Humana 2003 Annual Report Download - page 29

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We do not believe that any pending or threatened legal actions against us or any pending or threatened
audits or investigations by state or federal regulatory agencies will have a material adverse effect on our financial
position, results of operations, or cash flows. However, the likelihood or outcome of current or future suits, like
the purported class action lawsuits described above, or governmental investigations, cannot be accurately
predicted with certainty. In addition, the potential for increased liability for medical negligence arising from
claims adjudication, along with the increased litigation that has accompanied the negative publicity and public
perception of our industry, adds to this uncertainty. Therefore, such legal actions and government audits and
investigations could have a material adverse effect on our financial position, results of operations, and cash
flows.
ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
Not applicable.
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