Humana and Republic Bank to Offer Innovative Healthcare Card.

HumanaAdvance(SM) Visa[R] Card Helps with Health Care Related Expenses

LOUISVILLE, Ky. -- Humana Inc. (NYSE: HUM) announced today that it has entered into a partnership with Republic Bancorp, Inc. (NASDAQ: RBCAA), parent company of Republic Bank & Trust Company, to offer the HumanaAdvance(SM) Visa([R]) Card. The new, innovative health care card issued by Republic Bank will be offered to a select set of Humana's employer group customers beginning this month.

The HumanaAdvance(SM) Visa([R]) Card can be used only at hospitals, doctor and dentist offices, drug stores and other locations that sell and provide health related products and services. The card features a low annual fee and a fixed 0% Annual Percentage Rate (APR) on all purchases, which are automatically paid back over six months. The card's convenient payroll deduction option is made possible by E-Duction, Inc. and allows a consumer to have access to a low cost and interest free credit line for health care expenses.

"As consumers continue to take more ownership of their health and health care related expenses, the new HumanaAdvance(SM) Visa([R]) Card will provide a simple, affordable solution to help cover out of pocket health care related expenses when other sources of funds are either unavailable or exhausted. The Card is a great tool for employees to use in conjunction with a consumer choice health plan and a tax advantaged health care account like a Health Savings Account (HSA)," said Beth Bierbower, vice president of Product Innovation for Humana. "Republic Bank's knowledge of the consumer financial services market and Humana's innovative approach to consumerism in health care provide the foundation for a great partnership."

"We understand that consumers need to bridge the gap on their health care expenses and believe our card is a perfect solution that allows consumers to better budget for their health care costs while more easily paying for them over time. Republic believes that a need in the market place should be met with a sensible product that will help benefit the consumer, the employer, as well as the health care provider. We are excited to be able to partner with Humana; an industry-leading, consumer-focused health care organization," said Steve Trager, president and chief executive officer of Republic.

About Humana

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health benefits companies, with approximately 11.3 million medical members. Humana offers a diversified portfolio of health insurance products and related services - through traditional and consumer-choice plans - to employer groups, government-sponsored plans, and individuals.

Over its 46-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.

More information regarding Humana is available to investors via the Investor Relations page of the company's web site at http://www.humana.com, including copies of:

* Annual reports to stockholders;

* Securities and Exchange Commission filings;

* Most recent investor conference presentations;

* Quarterly earnings news releases;

* Replays of most recent earnings release conference calls;

* Calendar of events (includes upcoming earnings conference call dates and times, as well as planned interaction with research analysts and institutional investors);

* Corporate Governance Information.

About Republic

Republic Bancorp, Inc. (Republic) is a financial holding company headquartered in Louisville, Kentucky. The Company is a national leader in the consumer financial services market. Republic has $3.2 billion in assets and $1 billion in trust assets under custody and management. Republic offers internet banking at www.republicbank.com Republic's Class A Common Stock is listed under the symbol 'RBCAA' on the NASDAQ Global Select Market.

About E-Duction

E-Duction, Inc. is a leader in employment-based payment solutions. The Company enables guaranteed-issue, reasonably-priced credit products that support consumer-directed healthcare and other innovative benefits products. Utilizing its proprietary payroll deduction technology, and through alliances with major consumer financial services companies and employee benefits firms, E-Duction offers general-purpose and healthcare-specific credit solutions that help employers save money and attract, motivate and retain talent and that help employees better manage healthcare and other everyday expenses.