Company: HUM
Filing Date: 2025-03-03
Form Type: 424B5
Source: 0001628280-25-009237
Chunk: 24

Company: HUMANA INC
Filing Date: 2025-03-03
Form: 424B5
Chunk 24
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, the trustee must send to each holder notice of the default within 90 days after it occurs. Except in the case of a default in the payment of principal of, or interest on, any note, the trustee may withhold notice if and so long as the board of directors, the executive committee, or trust committee of directors or responsible officers of the trustee in good faith determines that the withholding of such notice is in the interest of the holders.

The holders of a majority in aggregate principal amount of the outstanding notes may waive any past default or event of default except for a default in the payment of principal of or interest on the notes or a default relating to a provision that cannot be amended without the consent of each affected holder.

#### Modification or Waiver
There are three types of changes we can make to the indenture.

#### Changes Requiring Noteholder Approval
. Certain changes cannot be made to the indenture or the notes without approval of each affected noteholder, including the following:

• reducing the principal, any premium, or changing the stated final maturity of the notes or altering our repurchase obligations with respect to the notes;

<div align='center'>S-15</div>

• reducing the rate of, or changing the time for, payment of interest on the notes;

• making the principal or interest payable in a currency other than United States dollars or changing the place of payment;

• modifying the right of any noteholder to receive or sue for payment of principal or interest on the date such principal or interest is due;

• expressly subordinating the notes to other indebtedness of ours; or

• reducing the aggregate principal amount of the notes whose holders must consent to supplement the indenture or to waive any of its provisions.

Changes Requiring a Majority Vote of the Noteholders . Other than as set forth above, the indenture and the notes of any series can generally be amended by a vote in favor by holders owning a majority of the outstanding aggregate principal amount of the notes of such series. In the event that more than one series of notes issued under the base indenture is affected by the amendment, separate votes will be needed for each series even if they are affected in the same way.

#### Changes Not Requiring Approval
. From time to time, we and the trustee may, without the consent of the noteholders, amend either the indenture or the notes for specified purposes, including to:

• reflect that a successor has succeeded us and has assumed our covenants and obligations under the notes and the indenture