L YOUR 2 015 NEW ASSOCIATE O ENROLLMENT … booklet is only a summary overview. ... • Health...

YOUR 2015NEW ASSOCIATE ENROLLMENT GUIDEfor USVI Salaried and Full-time Hourly Associates

ENROLL

Orange Life: Guide to Your Benefits

HEALTH CARE PLANS• medical• Dental• Vision• Critical Illness Protection• Health Care Spending Account

FINANCIAL PROTECTION PLANS• Disability Insurance• Life Insurance• Accidental Death and Dismemberment

Insurance• metLaw Legal Plan

FINANCIAL BENEFITS • FutureBuilder • employee Stock Purchase Plan (eSPP)• Success Sharing

ADDITIONAL PROGRAMS• Paid Time Off• Dependent Day Care Spending Account• Tuition Reimbursement• Adoption Assistance• CARe/Solutions for Life• Associate Discounts• matching Gift Program• Quit for Life® Tobacco Cessation Program• Financial engines

IT’S TIME TO ENROLL In YOUR HOme DePOT BeneFITS FOR 2015 WHAT’S INSIDE

This booklet is only a summary overview. For more important details regarding your benefits, check out the USVI benefit information on www.livetheorangelife.com!

Click U.S. Virgin Islands on the lower right side of the www.livetheorangelife.com home page.

¿No hablas o lees inglés?Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al 1-800-555-4954.

The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, is posted online at www.livetheorangelife.com. A paper

copy is available through the Benefits Choice Center at 1-800-555-4954.

What You Need to Know to Enroll as a New Associate . . . . . . . . . . 1

Medical Plan Coverage . . . . . . . . . . . . . . . 3

Best Doctors® . . . . . . . . . . . . . . . . . . . . . . 3

Critical Illness Protection Plan . . . . . . . . . 6

Dental Plan Coverage . . . . . . . . . . . . . . . . 7

Vision Plan Coverage . . . . . . . . . . . . . . . 10

Health Care and Dependent Day Care Spending Accounts. . . . . . . . . 13

Life Insurance and Accidental Death & Dismemberment Coverage . . . . . . . . . 15

Disability Coverage . . . . . . . . . . . . . . . . . 18

FutureBuilder . . . . . . . . . . . . . . . . . . . . . . 20

The Employee Stock Purchase Plan . . . 22

MetLaw Legal Services . . . . . . . . . . . . . 22

How to Enroll as a New Associate . . . . . 23

Benefits Contact List. . . . . . . . . . . . . . . . 24

2015 Payroll Deductions . . . . . . . . . . . . . 25

As a new associate, you must enroll in certain benefits before your 91st day of employment to have coverage in 2015.

2015 Benefits Enrollment For help, visit www.livetheorangelife.com or call 1-800-555-49541

U.S. Virgin Islands Full-Time Hourly and Salaried Associates

WHAT YOU NEED TO KNOW TO enROLL AS A new ASSOCIATe It’s time for you to enroll in your new Home Depotbenefits. Here is what you need to know for your first enrollment:

• Know your options by reviewing this Enrollment Guide!All the information you need to learn about,choose and enroll in your new Home Depot benefits is in this Enrollment Guide.

• Know your deadlines and enroll on time! Read thechart below, which contains your enrollment dead-lines and other enrollment information for each ofthe Home Depot plans. Please note that if youdon’t enroll in the highlighted plans, includingthe medical, critical illness protection, dental,and vision plans or the spending accounts, byyour enrollment deadline, you will not have

coverage for the rest of the calendar year andyou will not be able to enroll until the nextannual enrollment period (generally in the fallof each year) unless you have a qualified status change. See the Life Events chapter of the Benefits Summary for information on qualified status changes.

FULL-TIME HOURLY ASSOCIATES SALARIED ASSOCIATES

Medical MUST enroll before your 91st day of employment

Dental

Vision

Critical Illness Protection Plan

Health Care and Dependent Day CareSpending Accounts

Associate Basic Term Life Insurance • No evidence of insurability required for associate-only coverage if you enroll before your 91st day of employment• Can enroll once during a 12-month rolling period or when you experience a qualified status change—evidence ofinsurability may be required

• Associate Supplemental Term Life Insurance• Dependent Term Life Insurance

• No evidence of insurability required for associate-only coverage of one, two or three times your annual base pay ifyou enroll by your last day of employment enrollment deadline

• Can enroll once during a 12-month rolling period or when you experience a qualified status change—evidence ofinsurability may be required

AD&D Can enroll any time but not more than once during a 12-month period

New Associate Enrollment DatesPlease see the rest of this guide for more details on these plans. Plans highlighted in orange require enrollment by your enrollment deadline or you will not havecoverage for 2015. Also note that if you are a full-time hourly associate and don’t want disability coverage, you must decline it before your 91st day of employ-ment or payroll deductions will begin.



• Paid Time Off• Tuition Reimbursement (when you have

completed one year of service)• CARE/Solutions for Life

• Associate Discounts• Health Advocate• Tobacco Cessation Program• Financial Engines

• Best Doctors® Program• Adoption Assistance

More Home Depot Benefits:

FULL-TIME HOURLY ASSOCIATES SALARIED ASSOCIATES

Short-Term Disability (STD) • Automatic enrollment in STD and LTD coverage• Payroll deductions begin on your 91st day ofemployment unless you decline coverage

• If you decline coverage, you can enroll once duringa 12-month rolling period or when you experience aqualified status change—evidence of insurability willbe required.

• Automatic enrollment in company-paid STD and LTD• Automatic default into the Tax Plan Cost option. This means that the

Company-paid LTD premium will be charged to you as income and youwill pay income taxes on the premium. However, any LTD benefit youreceive, if approved, will be tax-free income to you. If you want toreceive LTD under the Tax on Benefit option, you can choose this optionduring your enrollment session.

Long-Term Disability (LTD)

MetLaw Legal Services Can enroll any time.

FutureBuilder 401(k) Savings Plan

Enroll during your enrollment session and before-tax and/or Roth after-tax contributions will begin after you have completed 90days of service. Company matching contributions begin the first day of the calendar quarter beginning on or after the date youcomplete one year of service (at least 1,000 hours in a 12-month period), if you have enrolled.

Employee Stock PurchasePlan

• Purchase Home Depot stock at a 15% discount through payroll deductions• There are two plan periods per year. The enrollment period for each plan is:—Plan One: January 1 through June 16 (contributions begin July 1)—Plan Two: July 1 through December 17 (contributions begin January 1)

New Associate Enrollment Dates (continued)



MEDICAL PLAN COVeRAGeEnrolling as a New Associate You must enroll before your 91st day of employmentor you will not have the medical plan coveragethrough The Home Depot in 2015.

THE ANTHEM BLUE CROSS BLUESHIELD (BCBS) PPO MEDICAL PLAN

How the Anthem Blue Cross Blue Shield PPO Works• You can receive care from any provider and receivefull benefits for covered services. However, if youuse a BlueCard network provider, you can pay acopay for many services with no claim formneeded. For information on BlueCard providers,go to www.anthem.com or call 1-877-434-2734.

• You can receive care in the United States from anyprovider and full benefits will be paid for eligibleexpenses.

BE A SMARTER HEALTH CARE CONSUMER

Know Your Risks and Actively Manage Them• Get certain preventive care services FREE from BCBSnetwork providers. Call Anthem BCBS for a list offree preventive care services.

Managing Costs of Your Care• Find out costs before you go. Call Anthem BCBS

to learn your out-of-pocket costs before you go tothe doctor or hospital. Anthem BCBS may be able to suggest a doctor or hospital that providesthe service you need at a lower cost while still providing high quality.

• Get help with claims, billing issues and other medicalservices through Health Advocate. Call HealthAdvocate at 1-800-519-6689.

• If you are covered under a Home Depot medical plan,Best Doctors can provide you with a confidential expertsecond opinion so you can be sure you’re getting theright diagnosis and the right treatment. Call BestDoctors at 1-866-797-8021.

Wellness Resources for a Healthier You• The FREE individual counseling and nicotine patchesfrom the Quit for Life program have helped more than17,500 employees of The Home Depot quit tobacco.The program is free for all associates and theirspouses/domestic partners who are covered byThe Home Depot medical plan. Call Quit for Lifeat 1-866-784-8454 to enroll today.

• Visit my health chat at www.livetheorangelife.comto talk to other associates and to medicalexperts about health and health improvements.You can chat using a screen name and evendesign your own avatar.

• Building Better Health (BBH) Program—the goal ofBBH is to improve associates’ health. Check with the wellness Champion in your area to get more information.

• Get in shape for less by visiting the discount website for associates of The Home Depot at http://resources.hewitt.com/homedepot. Take advantage of discounts on training equipment, gyms, weight control programs and much more.

Traumas to multiple organs and/or body systemsComplications from the premature birth of a childSpinal cord injuriesTraumatic brain injuries

Severe burnsSepsisAcute Respiratory Distress Syndrome (ARDS) and Acute Lung Injury (ALI)

FREE PROGRAM: BEST DOCTORS® SECOND OPINION PROGRAMIf you enroll in a Home Depot medical plan, Best Doctors can provide you with a free, confidential expert second opinion so you can be more confident you’re getting the right diagnosis and the right treatment.

when you or your family member is facing a health issue, it’s difficult to know exactly what to do—especially if you get conflicting advice from different specialists. You need the right answers totough questions such as:

Am I getting the right treatment? Is surgery really my best option?

THE SUPPORT OF A CRITICAL CARE EXPERT WHEN YOU NEED IT MOSTWith Best Doctors, you can draw on the expertise of leading critical care experts for acutemedical events resulting in admittance to the ER, ICU or NICU, such as:

For more information call 1-866-797-8021.



U.S. VIRGIN ISLANDS ANTHEM BCBS MEDICAL PLANBENEFIT YOU PAY

Member services 1-877-434-2734 monday to Friday from 8:00am-8:00pm eST

Website www.anthem.com

MAJOR MEDICAL

Annual deductible: individual/family $0

Out-of-pocket maximum: individual/family $6,350 individual/$12,700 familyLifetime coverage limit Limit does not apply

Coinsurance percentage 100% covered; unless otherwise noted

POLICIES/REQUIREMENTS

Need to file claims no; however, members may have to file a claim for out-of-network providers

ACCESS

Ability to self-refer to OB/GYN Yes

Ability to self-refer to specialists Yes

Out-of-area dependent coverage Yes

OUTPATIENT SERVICES

PRIMARY CARE

Primary doctor office visit $15 copay

Specialist office visit $15 copay

PREVENTIVE CARE*

Annual physical exam 100% covered, no copay

Well-woman exam (includes pap) 100% covered, no copay

Mammogram 100% covered, no copay

Colorectal cancer screening 100% covered, no copay

Routine PSA and digital rectal exam 100% covered, no copay

Immunizations (adult) 100% covered, no copay

Pediatric exams 100% covered, no copay

Immunizations (child) 100% covered, no copay

OUTPATIENT CARE

Lab 20% coinsurance; 100% covered after $15 copay if performed in an office

Complex imaging 20% coinsurance; 100% covered after $15 copay if performed in an office

X-ray 20% coinsurance; 100% covered after $15 copay if performed in an office

Outpatient surgery 20% coinsurance; 100% covered after $15 copay if performed in an office

Outpatient physical therapy $15 copay; limited to 60 visits per policy year; all therapies and chiropractic combined

Outpatient occupational therapy $15 copay; limited to 60 visits per policy year; all therapies and chiropractic combined

Outpatient speech therapy $15 copay; limited to 60 visits per policy year; all therapies and chiropractic combined

FAMILY PLANNING/MATERNITY CARE

Office visit: pre/postnatal 100% covered, no copay

In-hospital delivery services $50 copay

*For a complete list of covered preventive care services, call Anthem BCBS.



U.S. VIRGIN ISLANDS ANTHEM BCBS MEDICAL PLANBENEFIT YOU PAY

INPATIENT SERVICES

Inpatient Room and Board

Hospital copay $50 copay

Inpatient care 100% covered after $50 copayEMERGENCY CARE

Emergency room (not followed by admission) 100% covered -Accident; $50 copay-Illness

Walk-in clinic Not availableUrgent care clinic visit 100% covered -Accident; $50 copay-Illness

Ambulance services $50 copay

PRESCRIPTION DRUG COVERAGE

General

Prescription drug web site www.anthem.com

Prescription drug member services 1 (877) 434-2734

Annual prescription deductible not applicable

Annual prescription maximum benefit not applicable

Annual prescription out-of-pocket maximum no separate prescription drug out-of-pocket maximum

Retail

Generic $5 copay

Preferred $10 copay

Non-preferred $15 copay

Mail Order

Generic $10 copayPreferred $20 copayNon-Preferred $30 copayOTHER SERVICES

Mental Health & Substance Abuse

Mental health: outpatient coverage $15 copay unlimited visits

Mental health: inpatient coverage $50 per admission copay unlimited days

Substance abuse: outpatient coverage $15 copay unlimited visits

Substance abuse: inpatient coverage $50 per admission copay unlimited days

Alternative Care

Chiropractic $15 copay; Limited to 60 visits per calendar year (combined with physical, occupational and speech therapy) Other

Noncustodial home health care 20% coinsurance; limited to 150 visitsDurable medical equipment 20% coinsurance



Enrolling as a New Associate You must enroll before your 91st day of employmentor you will not have Critical Illness Protection Plancoverage through The Home Depot in 2015.

YOUR CRITICAL ILLNESS BENEFITAMOUNT OPTIONS• $5,000

• $10,000

• $20,000

• $30,000

To view your rates, select the Critical IllnessProtection Plan during your enrollment session andenter your information (for example, tobacco-userstatus and number of dependents covered).

Visit http://www.allstateatwork.com/homedepotto learn more about the Critical Illness Protection Plan.

THE CRITICAL ILLNESS PLAN • The Critical Illness Plan pays a lump-sum benefit forspecific conditions, such as heart attack, stroke,cancer, transplant, Alzheimer’s disease and paral-ysis and benefits for eligible travel and lodgingexpenses. See the chart below for a complete listof covered conditions. The plan is administeredby Allstate Benefits.

• The plan also pays an annual benefit of $75 for wellnessservices. In some cases, that $75 could cover thecost of your Critical Illness Protection Plan coverage.

• Critical Illness Protection Plan benefits are payable onlyfor conditions diagnosed after your coverage under theplan begins.

CRITICAL ILLNESS PROTECTION PLAN COVERAGE

CRITICAL ILLNESS PROTECTION PLAN SUMMARY OF BENEFITS

PLAN PAYS 100% OF BENEFIT AMOUNT FOR: PLAN PAYS 25% OF BENEFIT AMOUNT FOR: PLAN PAYS UP TO $75 PER CALENDAR YEAR FOR EACH COVERED PERSON FOR ONE OF THE FOLLOWING ELIGIBLE WELLNESS SERVICES:

• Heart attack• Stroke• Invasive cancer• Heart transplant• Lung transplant• Liver transplant• Pancreas transplant• Kidney transplant• Bone marrow transplant• end stage renal failure• Paralysis• Complete blindness

• Complete loss of hearing

• Coma• Benign brain tumor• Alzheimer’s Disease

A covered person can receive benefits for each of the above critical illnesses if thedates of diagnosis foreach critical illness areseparated by at least 90 days.

• Coronary artery bypasssurgery

• Carcinoma in situ• Amyotrophic lateral scle-

rosis (Lou Gherig’s dis-ease)

• Adrenal hypofunction (Addison’s disease)

• Bone marrow donor• Cerebral palsy• Cystic fibrosis• Hemophilia• Huntington’s chorea

• meningitis• multiple sclerosis• muscular dystrophy• myasthenia gravis• necrotizing fasciitis• Osteomyelitis• Scleroderma• Sickle cell anemia• Systemic lupus• Tuberculosis

• Pre Biopsy test for skin cancer• Biopsy for skin cancer• Oral cancer screening• Blood test for triglycerides• Bone marrow testing• Colonoscopy• echocardiogram• eletrocardiogram (eKG, including

stress eKG)• Flexible sigmoidoscopy• Hemocult stool analysis• Lipid panel (total cholesterol

count)• mammography, including

breast ultrasound

• Pap Smear, includingThinPrep Pap Test

• PSA (prostate specific anti-gen—blood test for prostate cancer)

• Serum Proteinelectrophoresis (test for myeloma)

• Stress test on bike or treadmill

• Annual physical examination (only for covered persons over18 years of age)

• Immunizations

Transportation Benefit Actual cost, up to $1,500, for round trip coach fare on a common carrier; or $.50 per mile for personal vehicle travel, up to $1,500, to a facility if more than100 miles from place of residence.

Lodging Benefit $60 per day up to 60 days if facility is more than 100 miles from residence. Only applies to lodging occurring within 24 hours of, and including days of treatment.

Reoccurrence Benefit A benefit of 100% of the previously paid amount will be paid if a covered person is diagnosed for a second time with a heart attack, stroke, coronaryartery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after the firstdate of diagnosis for the critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received anytreatment during the 12 months after the prior occurrence.



Enrolling as a New Associate You must enroll before your 91st day of employmentor you will not have dental coverage through TheHome Depot in 2015.

YOUR DENTAL PLAN OPTIONS• metLife $500 max

• metLife $1,000 max

• metLife $2,000 max

HOW TO GET THE DENTALSERVICES YOU NEED AT A LOWERCOST• Get a MetLife PDP Network dentist and pay less for den-tal services. You can use any dentist; however, youwill pay less if you use a metLife PDP (PreferredDentist Program) network dentist because PDPnetwork negotiated fees typically range from 15% to45% less than average fees for the same or similarservices charged by dentists in your area. To find ametLife network dentist near you, go towww.metlife.com/dental, under Find a Dentistchoose the Dental PPO and enter your ZIP code.

• Get free dental preventive care! Two dental cleaningsand checkups each calendar year are free if youuse a dentist in the metLife PDP network—youdon’t have to meet the deductible for covered

preventive care benefits to begin. Preventive careis subject to your option’s maximum annual bene-fit.

• Get discounts on cosmetic dentistry and other uncov-ered dental services. You’ll receive the metLife PDPdentist negotiated rate on cosmetic proceduresand other services not covered by the dentaloptions when you use a PDP dentist. You alsowill continue to receive the negotiated rate afteryou have reached your annual maximum benefit.

• Get a tax break! Pay for eligible dental care services that are not paid for by the dental planwith tax-free dollars through the Health CareSpending Account and savemoney—for many associates,this savings is at least 22%.

DENTAL PLAN COVERAGE

SERVICE

METLIFE $500 MAXMetLife network and non-network dentists

METLIFE $1,000 MAXMetLife network and non-network dentists

METLIFE $2,000 MAXMetLife network and non-network dentists

Annual Deductible (individual/family per calendar

$25/$75 $50/$150 $50/$150

Annual Maximum Benefit1

(per covered individual per calendar year)$500 $1,000 $2,000

Preventive and Diagnostic Care (deductible does not apply)

Covered at 100%2 Covered at 100%2 Covered at 100%2

Basic Restorative Care (fillings, root canals) You pay 30%2 You pay 25%2 You pay 20%2

Major Restorative Care (bridges, dentures, crowns) no coverage You pay 60%2 You pay 50%2

Orthodontia no coverage 50%2 up to $750 lifetime maximumper covered dependent child

50%2 up to $1,500 lifetime maximumper covered dependent child

1 All preventive/diagnostic and basic and restorative dental benefits are subject to the annual maximum benefit.2 Plan pays this percentage of the reasonable and customary (R&C) charge if you use a non-metLife dentist.

DENTAL COVeRAGe



Special Rules for Orthodontia BenefitsPlease note that the lifetime maximum orthodontiabenefit that will apply is based on the option inwhich the covered dependent is enrolled whenorthodontia services began. The maximum ortho-dontia benefit will not change throughout thatdependent’s orthodontia treatment regardless of the option chosen in subsequent years.

For example, if you are enrolled in the $500 maxoption when orthodontia treatment begins, no ortho-dontia benefits are paid for any orthodontia treat-ment even if a benefit plan is chosen in subsequentyears that covers orthodontia treatment. If you areenrolled in the $1,000 max option when the ortho-dontia treatment begins, the $750 lifetime maximumbenefit will apply throughout the orthodontia treat-ment regardless of whether you enroll in the $2,000max option or $500 max option in subsequent years.

CHOOSE THE RIGHT DENTAL PLAN FOR YOUR SITUATIONHow will you use the dental plan in 2015? Readeach situation like yours and look at the QuickComparison of Dental Plan Costs to determinewhich plan will meet your needs next year.

“I don’t want more dental coverage than I need.”It’s a good idea to talk with your dentist about yourpotential dental needs in 2015. If it looks like youneed expensive dental work next year, considerchoosing an option with a higher annual maximumbenefit. For example, the difference between thecost of associate-only coverage in the metLife$1,000 max and the metLife $2,000 max options isabout $80 a year but you get an additional $1,000 in benefits in the $2,000 max option.

“I generally have only dental checkups and anoccasional cavity.”If you generally need only basic dental services,why pay for more comprehensive coverage? ThemetLife $500 max option pays 100% of the cost ofcheckups* and also covers restorative dental servic-es at 70%. while it does not cover major servicesand orthodontia, it is the least expensive dentalplan—only $6.19 per biweekly paycheck—half thecost of the metLife $1,000 max option.

* Up to the reasonable & customary limit if you use a non-networkdentist.

These examples assume associate-only coverageand that no part of your deductible has been met.This is a representative example only and may notreflect how your particular claim will be processed.

QUICK COMPARISON—DENTAL PLAN COSTS METLIFE $500MAX

METLIFE $1,000MAX

METLIFE $2,000MAX

Annual MaximumBenefit(per covered individual)

$500 $1,000 $2,000

Associate-only Cost Per Year

$161.04 $335.64 $416.04

TEETH CLEANING—ALL DENTAL OPTIONSAVERAGECOST OF A

CLEANING

YOU PAY PLAN PAYS

$60 (in-network)

nothing* $60**

**As long as you have not met your plan limit of two cleanings per year.

QUICK COMPARISON—THE DENTAL OPTIONSMETLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX

Covers Preventive Care 100%* 100%* 100%*

Covers Restorative Care (fillings, oral surgery, root canals, periodontics) Yes, you pay 30%* Yes, you pay 25%* Yes, you pay 20%*

Covers Major Care (crowns, bridges) no Yes, you pay 60%* Yes, you pay 50%*

Covers Orthodontia (braces) no Yes, you pay 50%* Yes, you pay 50%*

Per-biweekly Paycheck Payroll Deduction—Associate-only Coverage $6.19 $12.91 $16.00

* You pay this percentage of the PDP (Preferred Dentist Program) charge if you use a metLife dentist or the reasonable and customary charge if you use a non-metLife dentist.



“I have talked to my dentist about my dentalneeds in 2015 and I will have to have a crown.My spouse also generally needs a root canal orother dental work every year.”Both the metLife $1,000 max and metLife $2,000max options cover major services. However, themetLife $2,000 max option has higher coverage formost services and a higher payroll deduction—itcosts $32.01 for associate + spouse per biweeklypaycheck—while the metLife $1,000 max has lowercoverage and a lower cost—$25.81 for associate +spouse per biweekly paycheck. The option youchoose depends on the cost of the dental servicesneeded and the amount you want to pay for dentalcoverage. Consider participating in the Health CareSpending Account and using tax-free dollars to pay for your portion of your dental expenses. Alsoconsider using a metLife PDP network dentist andpay a discounted cost for services.

These examples assume associate-only coverageand that no part of your deductible has been met.This is a representative example only and may notreflect how your particular claim will be processed.

“My child will be getting braces in 2015.”Both the metLife $1,000 max and metLife $2,000max options cover orthodontia—the metLife $2,000max option provides the highest maximum ortho-dontia benefit of $1,500. The metLife $1,000 maxoption pays up to $750 for orthodontia, but has alower price tag than the metLife $2,000 max option.

note that the lifetime maximum orthodontia benefitthat will apply is based on the option in which thecovered dependent is enrolled when orthodontiaservices began. It’s important to review the orthodon-tia benefit rules before you choose a dental option.

The Health Care Spending Account is a great wayto help you pay for uncovered orthodontia expensesbecause you know exactly how much you willspend each year on orthodontia each year. why notuse tax-free dollars to pay for this predictableexpense?

FILLING—METLIFE $500 MAXCOST OF A FILLING

YOU PAY ($25 DEDUCTIBLE PLUS 30% OF THE COST)

MetLifePDP Dentist: $70

$25 deductible plus 30% of $70 (costof filling) $25 + $21 (30% of $70) = $46

Out-of-Network Dentist:$129

$25 deductible plus 30% of $129 (cost of filling*)

$25 + $38.70 (30% of $129) = $63.70

*Allowable fees are based on the Reasonable & Customaryallowance— please see Benefits for Out-of-Network Servicesin the Dental Chapter of the Benefits Summary.

ROOT CANAL—METLIFE $1,000 MAXCOST OF A ROOT CANAL


MetLife PDP Dentist: $700

$50 deductible plus 25% of $700(cost of root canal)

$50 + $75 (25% of $700) = $225

Out-of-Network Dentist:$1,145

$50 deductible plus 25% of $1,145 (cost of root canal)*

$50 + $286.25 (25% of $1,145) =$336.25


CROWN—METLIFE $2,000 MAXCOST OF ACROWN


MetLife PDP Dentist: $750

$50 deductible plus 50% of $750(cost of crown)

$50 + $375 (50% of $750) = $425

Out-of-Network Dentist:$1,127

$50 deductible plus 50% of $1,127 (cost of crown)*

$50 + $563.50 (50% of $1,127) =$613.50


2015 ID CARDS

PLANYOU WILLRECEIVE A NEW ID CARD IF

YOU WILL NOTRECEIVE A NEWID CARD IF

MetLifeDental

You are enrollingin coverage forthe first time in2015.

You are stayingenrolled in dentalcoverage (regard-less of whichoption) for 2015.



VISION COVeRAGeEnrolling as a New Associate You must enroll before your 91st day of employmentor you will not have vision coverage through TheHome Depot in 2015.

YOUR VISION PLAN OPTIONS• eyemed Select $120

• eyemed Select $150

You’ll find a summary of the 2015 Vision PlanCoverage on the following page.

HOW TO GET THE VISIONSERVICES YOU NEED AT A LOWERCOST• Get an EyeMed Select network provider and pay less for eyeglasses and contact lenses! For a list of eyemed Select network providers, go towww.livetheorangelife.com, choose US VirginIslands, then Find a Provider.

• Get free eye exams! eye exams are free when youuse eyemed Select network providers. eye examsare important for all ages because this exam notonly detects vision correction needs but also canreveal the signs of other health conditions, includ-ing diabetes and high blood pressure.

• Get discounts on laser vision correction. eyemedoffers vision plan participants a laser vision cor-rection discount of 5% off any promotional price or15% off the retail price for treatments performedthrough the U.S. Laser network.

• Get unlimited additional discounts on eyeglasses and contact lenses. Vision plan participants get a 40% discount off complete pairs of eyeglasses and a 15% discount off conventional contact lenses once your frame, lens and contact lens benefits have been used.

• Get a tax break using a convenient debit card! Pay foreligible vision care services that are not paid forby the vision plan with tax-free dollars throughthe Health Care Spending Account and savemoney—for many associates, this savings is atleast 22%.

QUICK COMPARISON—THE VISION OPTIONSEYEMED SELECT $120 EYEMED SELECT $150

Disposable Contact Lenses Plan pays first $120, then you pay balance over $120 Plan pays first $150, then you pay balance over $150

FramesPlan pays first $120 then you pay 80% of balance over$120—frame benefit available once every 24 months

Plan pays first $150 then you pay 80% of balance over$150—frame benefit available once every 12 months

Lenses $15 copay $0 copay

Lens Options Coverage Some covered, others available at a discount Covered in full

Per-biweekly Paycheck PayrollDeduction—Associate-only Coverage

$2.12 $7.74

2015 ID CARDS

PLANYOU WILLRECEIVE A NEW ID CARD IF

YOU WILL NOTRECEIVE A NEWID CARD IF

EyeMedVision

You are enrollingin coverage forthe first time or ifyou change yourplan option for2015.

You are stayingenrolled in thesame coveragefor 2015 that you have in 2014.



THE EYEMED SELECT VISION OPTIONS

EyeMed Select $120 EyeMed Select $150

EYEMED SELECTPROVIDERS:YOU PAY

NON-EYEMED SELECT PROVIDERS:YOUR REIMBURSEMENT AFTER

YOU SUBMIT CLAIM

EYEMED SELECTPROVIDERS: YOU PAY

NON-EYEMED SELECT PROVIDERS:YOUR REIMBURSEMENT AFTER

YOU SUBMIT CLAIM

Exam (once every 12 months) $0 copay Up to $40 $0 copay Up to $40

Eyeglasses (frames and lenses)

Frames Plan pays first $120 then you pay80% of balance over $120—frame

benefit available once every 24 months

Up to $45 —available once every 24 months

Plan pays first $150 then you pay 80%of balance over $150—frame benefit

available once every 12 months

Up to $53—available once every 12 months

Standard Plastic Lenses

Single vision (once every 12 months) $15 copay Up to $35 $0 copay for all Up to $35

Bifocal (once every 12 months) Up to $55 Up to $55

Trifocal (once every 12 months) Up to $75 Up to $75

Lenticular (once every 12 months) Up to $75 Up to $75

Standard progressive (once every 12 months) $80 copay Up to $55 Up to $84

Premium progressive (once every 12 months) fixed pricing list Up to $55 Up to $140

Specialty Lens Options

UV coating $0 copay Up to $11 $0 copay for all Up to $11

Tint (Solid and Gradient) $0 copay Up to $11 Up to $11

Standard scratch-resistance $0 copay Up to $11 Up to $11

Standard polycarbonate $40 ($0 copay for dependents under age 19)

n/A for adults (Up to $28 for dependents under age 19)

Up to $28

Standard anti-reflective coating $45 n/A Up to $32

Photochromatic 80% of charge n/A Up to $53

Transitions 80% of charge n/A Up to $53

Edge coating 80% of charge n/A Up to $11

Contact Lens Fit and Follow-up (once comprehensive eye exam has been completed)

Standard (examples include conventional,disposable, frequent replacement)

$0 fit and two follow-up visits Up to $40 $0 fit and two follow-up visits Up to $40

Premium (examples include toric,multifocal)

You get 10% off retail price, Planpays first $40, then you pay 100% of balance over $40

Up to $40 You get 10% off retail price, then youpay balance over the plan’s $40

allowance

Up to $40

Contact Lenses (once every 12 months instead of eyeglasses)

Conventional Plan pays first $120, then you pay85% of balance over $120

Up to $96 Plan pays first $150, then you pay85% of balance over $150

Up to $120

Disposable Plan pays first $120, then you pay100% of balance over $120

Up to $96 Plan pays first $150, then you paybalance over $150

Up to $120

Medically necessary $0 copay Up to $200 $0 copay Up to $210



CHOOSE THE RIGHT VISION PLANFOR YOUR SITUATIONHow will you use the vision plan in 2015? Read each situation like yours and look at the QuickComparison of Vision Plan Costs to determine which plan will meet your needs next year.

“I only use the vision plan for my annual eye exam.”An annual eye exam is important for your health,even if you don’t have vision correction needs. Bothplans cover eye exams at 100% when you use aneyemed Select network provider. So if an eye examis your main use of the plan, consider the eyemedSelect $120 option, which is less than half the cost ofthe eyemed Select $150 option.

Here is an example of how the plan pays benefitsfor an eye exam.

“My spouse and I wear glasses and both of mychildren wear contact lenses.”when your eye care needs are high, consider theeyemed Select $150 plan which offers the highestlevel of coverage. For example, under this option, youpay no copay for eyeglass lenses and eyeglass lensoptions are covered in full. The eyemed Select $120plan provides lower benefits but has a lower payrolldeduction. See the chart on the next page for anexample of how the plan pays benefits for eyeglassesand contact lenses.

“I get an eye exam every year, but I don’t getnew glasses every year.”Both plans cover eye exams at 100% when you usean eyemed Select network provider. The eyemedSelect $120 plan provides benefits for frames onceevery 24 months and has a lower payroll deduction.See the chart below for an example of how the planpays benefits for eyeglasses. These examplesassume associate-only coverage, that no part of

your deductible has been met and that networkproviders and facilities are used. This is a represen-tative example only and may not reflect how yourparticular claim will be processed.

EYE EXAM—BOTH OPTIONSAVERAGE COST OF AN EYE EXAM YOU PAY

$95 $0

CONTACT LENSES—BOTH OPTIONSAVERAGE COST OF EYE EXAM,

CONTACT LENS FIT ANDFOLLOW-UP AND ACUVUE

2 CONTACT LENSESEYEMED SELECT $120 EYEMED SELECT $150

Eye Exam: $95 You pay $0 You pay $0

Standard Fit and Follow-up: $718 Boxes Acuvue 2 Contact

Lenses: $160

Standard Fit and Follow-up: $0

Contact Lenses: $40(plan pays first $120, then you pay

balance over $120) $160-$120=$40

Standard Fit and Follow-up: $0Contact Lenses: $10

(plan pays first $150, then you paybalance over $150) $160-$150=$10

$326($95+$71+$160)

You pay $40 You pay $10

EYEGLASSES—BOTH OPTIONSAVERAGE COST OF EYE EXAM AND EYEGLASSES EYEMED $120 OPTION EYEMED $150 OPTION

Eye Exam: $95 You pay $0 You pay $0

Standard Progressive Lenses:$328 (with Standard Anti-reflective

Lens Option and StandardPolycarbonate Lenses for an

Adult Option)

Total Lens Cost: $165Standard Progressive lens: $80; Anti-Reflective lens option: $45;Polycarbonate lens option: $40

Total Lens Cost: $0Standard Progressive lens: $0; Anti-Reflective lens option: $0;Polycarbonate lens option: $0

Frames: $180 Frames: $48 (Plan pays first $120 then you pay

80% of balance over $120) $180-$120=$60; 80% of $60 = $48

Frames: $24(Plan pays first $150 then you pay

80% of balance over $150) $180-$150=$30; 80% of $30 = $24

$603($95+$328+$180)

You pay $213($0+$165+$48)

You pay $24($0+$0+$24)



HEALTH CARE AnD DEPENDENT DAY CARE SPenDInG ACCOUnTSEnrolling as a New Associate If you would like to participate in the Health Careand/or Dependent Day Care Spending Account in 2015, you must enroll before your 91st day of employment.

SPENDING ACCOUNT ENROLLMENT TOOLS!Use the online tool “Estimate Your Health Care Expenses”on the Your Benefits Resources website to quickly helpyou determine how much to contribute to the health careaccount and how much you could save in taxes. To findthis tool, go to Your Benefits Resources, at theEnroll in Your Benefits page, click Health CareSpending Account, and then Estimate HowMuch to Contribute.

HOW YOU SAVE MONEY USING THE SPENDING ACCOUNTS How do you save money on eligible health careand day care expenses? All it takes is a little plan-ning and enrollment in the Health Care and/orDependent Day Care Spending Accounts.

when you pay for eligible health care expenses such as deductibles, coinsurance, copaymentsand prescription drugs and dependent day careexpenses through these accounts, you are usingbefore-tax dollars, which are put into your accountbefore taxes are taken out of your paycheck. For adetailed list of eligible health care expenses clickon Health Care Spending Account during yourenrollment session and then click on the EstimateHow Much to Contribute button and thenEligible Health Care Expenses. The amount yousave depends on your tax bracket and the tax ratein your state. So, if you’re in the 15% tax bracketand you also pay the 7.65% Social Security/medicare tax, you could save as much as 22.65%on expenses you pay for through the accounts. Ifyou pay a state income tax or are in a higher taxbracket, you’ll save even more.

Estimate Your Expenses Carefully!All it takes is a little planning to make the spendingaccounts work for you. Simply estimate the amountof health care expenses—such as your deductible—and/or dependent day care expenses you’ll have in2015. It’s important to put money into the accountonly for expenses you know you’ll incur betweenJanuary 1, 2015 and march 15, 2016 for the HealthCare Spending Account or January 1, 2015 andDecember 31, 2015 for the Dependent Day CareSpending Account. You can only receive reim-bursement for expenses incurred during those timeperiods and you will lose any money not used topay reimbursements for expenses.

YOUR 2015 SPENDING ACCOUNT OPTIONSHOW MUCH YOU CAN CONTRIBUTE IN 2015:

FOR ELIGIBLE EXPENSES YOU HAVE:

Health Care Spending Account

$260 minimum up to $2,550 maximum

January 1, 2015 through march 15, 2016

Dependent Day Care Spending Account

$260 minimum up to $5,000 maximum

January 1, 2015 through December 31, 2015



How Much Can I Save?The Spending Account Tax Savings chart belowshows how much you can save on eligible expens-es through the accounts. These savings assume a4% state income tax rate, which could be differentin your state. For information on tax brackets, seethe tax bracket chart.

HOW THE HEALTH CARE ACCOUNT YSA CARD WORKSThe YSA (Your Spending Account) card allows youto avoid paying for eligible health expenses out ofpocket. when you use your YSA card, your eligibleexpenses are deducted automatically from yourhealth care account. You can use your YSA card to pay for eligible health care expenses includingprescriptions, medical copays, deductibles anddental work.

It’s important to follow these YSA card guidelines touse your card as efficiently and conveniently aspossible and to avoid having your card suspended:

• Every item or service that you pay for using your YSAcard must be an eligible health care expense. Alwaysseparate eligible health care items from ineligibleitems (e.g., magazines, cosmetics) before usingyour YSA card.

• All YSA card transactions must be validated—keep allof your itemized receipts. Because all YSA cardtransactions must be verified as eligible health careexpenses, you may be required to provide support-ing documentation to validate your expenses.make sure that you save all of your itemizedreceipts (indicating the date of service, the name

of the service provider, the name of the personreceiving service, the name of the product or service, and any amount paid by other coverage).

• Use select merchants and avoid sending in receipts!when you make eligible health care purchasesusing your YSA card with select merchants thatcan validate your expenses at the point of sale, thedollar amount will be deducted from your accountautomatically. no follow up needed! Select mer-chants include pharmacies, doctors and dentaloffices (including all metLife PDP dentists), hospitals, clinics, vision centers and more.

• Choose “credit” when you swipe your YSA card. You can use your card as “credit” with a signatureor as “credit” with a PIn if your merchant acceptsPIn transactions. If you need to make a changeto your PIn, follow these easy steps:

1. Call 1-888-999-0194 or the number on theback of your current YSA card.

2. You will be required to provide your card number, ZIP code, and three-digit securitycode located on the back of the card.

3. After providing the above information, you will beasked to select a four-digit PIn of your choice.

If you choose the “debit” option, your transactionwill not be processed.

• Don’t give the doctor your YSA card to pay the coinsur-ance amount at the time you receive service. You mayuse your YSA card to pay the coinsurance amountafter the insurance has covered its portion and theprovider has sent you a bill.

You’ll receive detailed information on the health carespending account YSA card if you enroll in theHealth Care Spending Account.

YOUR SPENDING ACCOUNT CONTRIBUTION

SPENDING ACCOUNT TAX SAVINGS

15% tax bracket + 7.65% FICA tax+ 4% state tax = 26.65% savings

25% tax bracket + 7.65% FICA tax+ 4% state tax = 36.65% savings

$260 a year/$10 bi-weekly $69 $95

$550 a year/$21 bi-weekly $147 $202

$750 a year/$29 bi-weekly $200 $275

$1,000 a year/$38 bi-weekly $266 $366

$1,650 a year/$64 bi-weekly $440 $605

$2,250 a year/$87 bi-weekly $600 $825

2014 TAX BRACKETS15% TAXBRACKET IN 2014

25% TAXBRACKET IN 2014

Single with adjusted grossincome between:

$9,076 –$36,900

$36,901–

$89,350

Married filingjointly withadjusted grossincome between:

$18,151 –

$73,800

$73,801 –

$148,850



Enrolling as a New Associate• You have a one-time opportunity to enroll in Basic LifeInsurance and Supplemental Life Insurance (coverageof up to three times your pay) without having to providean Evidence of Insurability form.* To take advantageof this, you must enroll in life insurance beforeyour 91st day of employment.

• For information on your life and AD&D options,see the “Life Insurance: enrolling As a newAssociate” chart on page 16 and the “AD&DOptions: enrolling as a new Associate” chart onpage 17.

• If you enroll in life and/or AD&D coverage, you MUSTdesignate your beneficiary(ies) during your enrollmentsession. On the “enroll in Your Benefits” page,you’ll see a link “Choose a Beneficiary.”

* An Evidence of Insurability form is required if you elect a coverageamount above $500,000.

HOW LIFE AND AD&D WORK• The Home Depot life and accidental death and dismemberment (AD&D) plans are administered by Minnesota Life.

• You can enroll or make changes in your life and/or AD&D coverage once during any 12-monthrolling period or when you experience a life event—evidence of insurability may be required for lifeinsurance—by calling the Benefits Choice Centerat 1-800-555-4954.

• You can cover your:

—Eligible dependent children up to age 26 in the dependent life and AD&D plans.

—Spouse/domestic partner under the age of 70in the AD&D plan. There is no age maximumfor life insurance coverage but benefits are reduced.

• AD&D benefits are paid if you are involved in an accident and your injuries result in death or loss of limb within one year of the date of the accident. Forexample, if you die as a result of an accident, the plan will pay 100% of your AD&D coverageamount; if you lose a hand, foot or eyesight as aresult of an accident, the plan will pay 50% ofyour AD&D coverage amount. For complete infor-mation on AD&D benefits, see the AD&D chapterof the Benefits Summary.

• You can review or change your life and/or AD&D beneficiaries during your enrollment session. On the“enroll in Your Benefits” page, you’ll see a link to “Choose a Beneficiary”.

LIFE INSURANCE AnD ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) COVeRAGe



FULL-TIME HOURLY ASSOCIATES: LIFE INSURANCE OPTIONS AS A NEWLY HIRED ASSOCIATELIFE INSURANCEOPTIONS:

AMOUNT OF COVERAGE YOU CAN PURCHASE:

EVIDENCE OF INSURABILITY AND APPROVAL REQUIRED:

Basic Life Insurance forYou

$20,000 no. One-Time Opportunity!• To take advantage of this opportunity, you must enroll before your 91st

day of employment• If you enroll at any other time, evidence of insurability is required

Supplemental LifeInsurance for You

Up to 10 times your base pay (rounded to thenext $1,000) up to a maximum of $500,000

One-Time Opportunity!• You can enroll in coverage of up to 3 times your pay with no evidence of

insurability• To take advantage of this opportunity, you must enroll before your 91st

day of employment

Dependent Life Insurancefor Your Spouse/DomesticPartner

• $20,000• Up to 10 times your base pay (rounded to the

next $1,000) up to a maximum of $250,000

• no, for the $20,000 coverage amount• Yes, for any other coverage amount

Dependent Life Insurancefor Your Child(ren)

• $2,500• $5,000• $10,000• $15,000• $25,000

no.

SALARIED ASSOCIATES: LIFE INSURANCE OPTIONS AS A NEWLY HIRED ASSOCIATELIFE INSURANCEOPTIONS:

AMOUNT OF COVERAGE YOU CAN PURCHASE:

EVIDENCE OF INSURABILITY AND APPROVAL REQUIRED:

Basic Life Insurance forYou

$50,000 no. One-Time Opportunity!•To take advantage of this opportunity, you must enroll before your 91st

day of employment• If you enroll at any other time, evidence of insurability is required

Supplemental LifeInsurance for You

Up to 10 times your base pay (rounded to the next $1,000) up to a maximum of $1,000,000

One-Time Opportunity!• You can enroll in coverage of up to 3 times your pay* with no evidence

of insurability• To take advantage of this opportunity, you must enroll before your 91st

day of employment

Dependent Life Insurancefor Your Spouse/DomesticPartner

• $20,000• Up to 10 times your base pay (rounded to the

next $1,000) up to a maximum of $250,000

• no, for the $20,000 coverage amount• Yes, for any other coverage amount

Dependent Life Insurancefor Your Child(ren)

• $2,500• $5,000• $10,000• $15,000• $25,000

no.

LIFE INSURANCE: ENROLLING AS A NEW ASSOCIATE



FULL-TIME HOURLY AND SALARIED ASSOCIATES: AD&D OPTIONS AS A NEWLY HIRED ASSOCIATE

AD&D OPTIONS: AMOUNT OF COVERAGE YOU CAN PURCHASE:EVIDENCE OF INSURABILITY AND APPROVAL REQUIRED:

Associate-Only AD&D Up to 10 times your base pay (rounded to the next $1,000) up to amaximum of $500,000

no.

Family AD&D • Choose a coverage amount of Associate-Only AD&D for yourself• Choose the family members you want to cover during your

enrollment session• Your spouse/domestic partner coverage amount is 80% of your

coverage amount• Your child(ren) coverage is 10% of your coverage amount

no.

AD&D OPTIONS: ENROLLING AS A NEW ASSOCIATE*

* AD&D is not a substitute for life insurance because it only pays out if you are involved in an accident and if death or dismemberment results from unintended bodily injury or death.Keep this in mind when deciding how much and what type(s) of insurance to purchase.



DISABILITY COVERAGE FOR FULL-TIME HOURLYASSOCIATES

Enrolling as a New Associate • You are automatically enrolled in the short-term disabil-ity plan and the long-term disability plan. If you do notwant this coverage, you must decline it beforeyour 91st day of employment or payroll deduc-tions will begin. To decline, call the BenefitsChoice Center at 1-800-555-4954.

• If you decline coverage as a new associate, you canenroll in the short- and long-term disability plans onceduring any 12-month rolling period or when you experi-ence a qualified status change; however an evidence of insurability form and approval will be required. To enroll, call the Benefits Choice Center at 1-800-555-4954.

Your Disability Coverage Options• Short- and long-term disability coverage (you must be enrolled in short-term disability to enroll for long-term disability)

• Short-term disability insurance only

Short- and Long-term DisabilityCoverage for Full-time Hourly Disability Associates• The short-term disability plan begins paying 60% of

your base pay after an illness or injury has kept youunable to work for seven consecutive calendardays; benefits continue for an approved period ofdisability up to 25 weeks.

• If you are enrolled in the long-term disability andyour disability qualifies as a total disability after 26 weeks, long-term disability benefits of 60% ofyour base pay continue for the remainder of yourdisability, up to the maximum benefit duration.

Short- and long-term disability benefits are reducedby other income you receive (such as Social Securityand workers’ Compensation) while you are disabled.

DISABILITY COVERAGE FOR SALARIED ASSOCIATES

Enrolling as a New AssociateYou will automatically be defaulted into the Tax on Plan Cost long-term disability tax option. If you want to change your option, you can do soduring your annual enrollment session. You will notbe able to change this option until the next annualenrollment period.

Your Disability Coverage• Short-term disability

• Long-term disability

—Tax Plan Cost Option

—Tax on Benefit Option

Short- and Long-term DisabilityCoverage for Salaried AssociatesThe Home Depot automatically provides salaried asso-ciates with short- and long-term disability coverage.

• The short-term disability plan begins paying yourregular bi-weekly pay after an illness or injury haskept you unable to work for seven consecutive cal-endar days. Short-term disability benefits continuefor a period of disability approved by the plan’s thirdparty administrator up to a maximum of 90 days.

• If your disability qualifies as a total disability after 90days, long-term disability benefits of 60% of yourbase pay plus bonuses begin. Long-term disabilitybenefits continue for the remainder of your disability,up to the maximum benefit duration.

Short- and long-term disability benefits are reduced byother income you receive (such as Social Security andworkers’ Compensation) while you are disabled.

DISABILITY COVeRAGe



How Taxes Affect Your Long-termDisability (LTD) BenefitHere is an example of how the tax plan cost and thetax on benefit options affect the biweekly paycheckand the annual LTD benefit of an associate making$70,000 a year:

As you can see, the tax plan cost option lowersyour biweekly paycheck—in this $70,000 salaryexample, it lowers each biweekly paycheck by$4.74 or $123.24 a year—but provides a higher LTD benefit.

The following charts show detailed examples of how the tax plan cost and tax on benefit options affectyour LTD benefit and your income taxes.

Detailed Example of How LTD Options Affect Your Paycheck and LTD Benefit

This example shows how each of the LTD options affects the paycheck and LTD benefit of an associateearning $70,000 a year.

$70,000 A YEAR SALARY

ANNUAL NETPAY IMPACT

ANNUAL LTDBENEFIT

Tax Plan Cost Option

$123.11 net Pay

$42,000

Tax on Benefit Option

nOne $26,607

EXAMPLE ASSOCIATE PROFILE

Annual Base Pay $70,000

Federal Income Tax Rate (based on single filing status) 25%

State Tax Rate 4%

FICA 7.65%*

Total Tax 36.65%

Company Paid Biweekly LTD Premium for Annual Base Pay of $70,000 $12.92

TAX PLAN COSTPAYCHECK EXAMPLE

EARNINGS TAXES (ON $2,705.23)

Regular $2,692.31 FICA med (1.45%)* $39.23

Company Paid LTD Premium

1

$12.92

FICA OASDI (6.2%)* $167.72

Federal $676.31

State $108.21

Total Taxes $991.47

GROSS PAY$2,705.23

neT PAY2

$1,700.84

1 Taxable Income, not actual income2 net Pay reduced by $4.74 per paycheck or $123.11 annually* The tax rates are subject to change.

IMPACT ON LTD BENEFIT (IF APPROVED FOR LTD)

Annual LTD Benefit (60% of annual base pay)

$42,000($70,000 x 60%)

Federal Income Tax Rate (based on single filing status)

$0

Annual LTD Benefit After Taxes $42,000

TAX ON BENEFITPAYCHECK EXAMPLE

EARNINGS TAXES (ON $2,692.31)

Regular $2,692.31FICA med (1.45%) $39.04

FICA OASDI (6.2%) $166.92

Federal $673.08

State $107.69

Total Taxes $986.73

GROSS PAY$2,692.31

neT PAY2

$1,705.58

IMPACT ON LTD BENEFIT (IF APPROVED FOR LTD)

Annual LTD Benefit BeforeTaxes (60% of annual base pay)

$42,000($70,000 x 60%)

Income Tax on BenefitReceived (assumes 25% federal, 4% state and 7.65% FICA* = 36.65%)

$15,393($42,000 x

36.65%)

Annual LTD Benefit After Taxes $26,607($42,000-$15,393)

* The tax rates are subject to change.

* The tax rates are subject to change.



Enrolling in FutureBuilderYou can enroll in the FutureBuilder 401(k) Plan ormake other FutureBuilder changes at any time.Before-tax and/or Roth after tax contributions toyour FutureBuilder account will begin after youcomplete 90 days of service.

It’s easy to enroll in FutureBuilder or make changesto your contributions or investments during yourenrollment session!

CONSIDER AUTOMATICESCALATIONS OF YOURFUTUREBUILDER CONTRIBUTIONSYou can choose to have your FutureBuilder contri-bution percentage automatically increased by 1%each year up to a maximum target rate of 15%through the Quick enrollment Process, or you canchoose your own automatic contribution percentageincrease and target maximum rate (up to 50%). Youcan enroll in automatic escalation during your enroll-ment session!

HOW FUTUREBUILDER HELPS YOU SAVE FOR RETIREMENT• Matching Home Depot contributions—once you have

completed one year of service (at least 1,000hours in a 12-month period), the Company contributes $1.50 for every $1 you contribute up to the first 1% of your pay. In addition, you’llreceive 50¢ for every dollar you save from thenext 2% to 5% of your pay.

• A variety of investment approaches—you can let theprofessionals invest your account by choosing aLifePath Portfolio or make your own investmentdecisions among the plan’s core funds or throughthe self-directed brokerage window.

• Professional investment advice—if you would likeprofessional advice on how much to save throughFutureBuilder and how to invest your savings inthe plan, consider using Financial enginesInvestment Advice. Financial engines is an independent investment advisor that providesunbiased advice to FutureBuilder 401(k) Plan participants. Log on to Your Benefits Resourcesfrom www.livetheorangelife.com and click onthe Savings & Retirement menu, FutureBuilderSavings, and then Investment Advice to accessthis valuable service.

• A lower tax bill—you lower your tax bill today bymaking before-tax contributions to FutureBuilder.You pay no taxes on your contributions, thecompany matching contributions or your invest-ment earnings until you take the money out ofthe plan.

It’s important to thoroughly review the FutureBuilderchapter in the Benefits Summary for completeinformation about how the plan works.

FUTUREBUILDER



COMPARISON OF TRADITIONAL BEFORE-TAX 401(k) CONTRIBUTIONS AND ROTH AFTER-TAX 401(k) CONTRIBUTIONS

TRADITIONAL 401(k) CONTRIBUTIONS ROTH 401(k) CONTRIBUTIONS

How are your contributions deductedfrom your pay?

Contributions are deducted from before-tax pay Contributions are deducted from after-tax pay. They aresubject to income tax withholding and are calculatedbased off of eligible compensation.

How do your contributions affect your current taxes?

Current taxable income is reduced so your current tax bill is lower

Current taxable income is not reduced so there is noeffect on your current tax bill

Do contributions count toward the 2015annual contribution limit of $18,000?

Yes Yes

Are contributions eligible for Companymatching contributions?

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Yes, up to FutureBuilder limits (up to 3.5% on your first5% of pay)

Are contributions available for loans andhardship withdrawals?

Yes Yes

When will you pay taxes on your contributions?

Income taxes are paid on your contributions when youreceive a distribution, unless your distribution is rolledover into an IRA or another qualified employer-spon-sored plan

You have already paid taxes on your contributions, so notaxes are due if you receive a qualified distribution (note:Does not apply to Company-matching contributions)

When will you pay taxes on your investment earnings?

Income taxes are paid on investment earnings whenyou receive a distribution, unless your distribution isrolled over into an IRA or another qualified employer-sponsored plan

no taxes are due on earnings from your Roth after-taxcontributions if the withdrawal is a qualified distribution orif your distribution is rolled over into an IRA or anotherqualified employer-sponsored plan. earnings on before-taxCompany matching contributions will be taxed since thosecontributions have not yet been taxed.



THe EMPLOYEE STOCK PURCHASE PLAnEnrolling in the ESPPYou have two opportunities to enroll in the eSPPeach year—before each eSPP “Plan” deadline—June 16 for the July 1, 2015 plan and December 17for the January 1, 2016 plan. You can enroll on Your Benefits Resources by selecting Savings & Retirement, Other Savings Opportunities, andclicking the ESPP tab.

BECOME A HOME DEPOTSTOCKHOLDER AT A DISCOUNTTHROUGH THE EMPLOYEE STOCKPURCHASE PROGRAM• Get Home Depot Stock at a discount! The employee

Stock Purchase Plan gives you a unique opportu-nity to invest in ownership of the Company at aspecial associate price. Through the plan, youcan purchase shares of Home Depot stock at a15% discount.

• Buy stock through convenientpayroll deductions! whenyou enroll, you’ll indicate the percentage of yourpay you want to invest in the eSPP through pay-roll deduction, up to a maximum of 20% of youreligible earnings or $21,250. On the last day ofeach plan, Home Depot stock will be purchasedfor you. The price of the stock is 15% off the clos-ing stock market price on the last day of the plan.

Enrolling as a New Associate • You can enroll during your enrollment session

or anytime by calling the Benefits Choice Center at 1-800-555-4954.

• To get more information about metLaw, go to themetLife website—you’ll find a link to this websiteon the Your Benefits Resources website: clickHealth & Insurance… > click Voluntary Benefits.

HOW METLAW WORKS• Covered services are free when you use anin-network attorney. The metLaw network has over9,000 experienced attorneys. You also can use anout-of-network attorney and be reimbursed basedon a set fee schedule.

• If you enroll in MetLaw, your spouse or domestic partner and your eligible children can use the plan.

• Covered services include:—will Preparation

—Identity Theft

—Real estate

—Debt Issues

—Family Law

—Traffic matters

METLAW LeGAL SeRVICeS



WHAT YOU NEED TO KNOW• If you want to have medical, dental, vision or critical illness protection plan coverage or participate in aspending account through The Home Depot in 2015, you MUST go to the Your Benefits Resources website or call the Benefits Choice Center before your91st day of employment:

If you don’t go to Your Benefits Resources andenroll, you will not have coverage under theseplans through the Company in 2015.

• You must designate your beneficiary(ies) for your lifeinsurance coverage using the online BeneficiaryDesignation form during your enrollment session!

USING YOUR BENEFITS RESOURCES TO ENROLLThe easiest way to enroll in your benefits is on theYour Benefits Resources website.

You can enroll at any time, as long as you enroll byyour enrollment deadline. Be sure to take advantageof the online enrollment tools to help you make yourspending account, dental and vision plan decisions.

First: Register as a New User

It’s easy to register as a new user on Your BenefitsResources—simply follow the prompts to accessyour personal account:

• Next to Log on, click the “Register as a NewUser” link

• Enter your Personal Identification: the last fourdigits of your Social Security Number and yourdate of birth

• Enter your ZIP Code, if prompted

• Enter the User ID of your choice (eight to 20 letters and/or numbers) and the Password ofyour choice (four to 20 letters and/or numbers)

• Choose your security questions andanswers—if you forget your User ID or Password,you will be able to access your account byanswering the security questions you set up correctly. You also have the option to have yourpassword sent to your e-mail address if youre-mail address is on file—this prompt will appearon the I Forgot My Password page. If you wouldlike to have your e-mail address on file, you canprovide it by going to Your Profile at the top ofthe web page.

Congratulations! You can now access your personalYour Benefits Resources account!

Use Step 1 to help you make your benefit choices and click Step 2 when you’re ready to enroll!

You’ll see this Submitted Successfully - Required Follow-Ups message when your enrollment is complete.

You Can Enroll in Your 2015 BenefitsThrough The Benefits Choice CenterWhile the easiest, most convenient way to enroll is Your Benefits Resources, you also may call 1-800-555-4954 and speak with a representative.

HOW TO ENROLL IN YOUR HOME DEPOTBENEFITS AS A new ASSOCIATe



PHONE NUMBER INTERNET ADDRESS

General Assistance

Benefits Choice Center: Benefits questions & enrollment 1-800-555-4954 Your Benefits Resources™ from www.livetheorangelife.com

HR Services:HR/Pay questions 1-866-myTHDHR (1-866-698-4347) www.myTHDHR.com

USVI Full-Time Hourly/Salaried Medical Plan Provider

Anthem – Blue Cross Blue Shield 1-877-434-2734 www.livetheorangelife.com

Critical Illness Protection Plan Provider

Allstate Benefits 1-866-828-8766 www.allstateatwork.com/homedepot

Dental Plan Provider

Metlife 1-800-638-9909 www.metlife.com or go to Your Benefits Resources™ for single sign-on

Vision Care Plan Provider

EyeMed Vision Care 1-888-203-7447 www.eyemed.com

USVI Full-time Hourly/Salaried Flexible Spending Accounts

Your Spending Accounts (YSA) 1-800-555-4954 Your Benefits Resources™ from www.livetheorangelife.com

USVI Full-time Hourly/Salaried Life Insurance/AD&D

Minnesota Life 1-888-254-1324 Your Benefits Resources™ from www.livetheorangelife.com

USVI Full-time Hourly/Salaried Disability

Aetna 1-866-400-8762 Your Benefits Resources™ from www.livetheorangelife.com

BENEFITS COnTACT LIST

To Learn About...

Associate Discounts Your Benefits Resources™ from www.livetheorangelife.com

CARE/Solutions for Life 1-800-553-3504 www.caresolutionsforlife.comBest Doctors Medical Second Opinion Program & Best Doctors Critical Care Program 1-866-797-8021 www.livetheorangelife.com

Financial Engines Investment Advice 1-800-601-5957 www.livetheorangelife.com

Financial Life Management Program 1-877-654-2427 www.bettermoneyhabits.com

Identity Theft Protection (AllClear) 1-877-676-0373 www.enroll.allclearid.comCareerDepot http://careers.homedepot.com/career-depot.html

ESPP (Employee Stock Purchase Plan) 1-800-843-2150 www-us.computershare.com/employee; To enroll: Your Benefits Resources™ from www.livetheorangelife.com

Health Advocate 1-800-519-6689 http://healthadvocate.com/membersThe Home Depot Awareness Line: Report workplace concerns 1-800-286-4909

The Homer Fund (An independent public charity) 1-770-433-8211 Ext. 12611 www.thdhomerfund.org

Matching Gift (A program of The Home Depot Foundation) 1-888-628-2442 www.givingprograms.com/homedepot

Quit for Life (Quit Tobacco Program) 1-866-784-8454

Adoption Assistance Program www.livetheorangelife.com

Tuition Reimbursement Program www.livetheorangelife.com

THD Road Companion 1-877-272-4481 (to enroll); 1-877-335-7899 (for service)

www.THDRoadCompanion.com



2015 BI-WEEKLY PAYROLL DEDUCTIONS

ASSOCIATE -ONLY

ASSOCIATE +SPOUSE

ASSOCIATE +CHILD(REN)

ASSOCIATE +FAMILY

MEDICAL PLAN OPTIONS

Anthem Blue Cross Blue Shield $59.75 $120.50 $100.50 $159.50

DENTAL PLAN OPTIONS

MetLife $500 Annual Maximum $6.19 $12.38 $12.54 $18.80

MetLife $1,000 Annual Maximum $12.91 $25.81 $26.13 $39.20

MetLife $2,000 Annual Maximum $16.00 $32.01 $32.40 $48.60

VISION PLAN OPTIONS

EyeMed Select $120 $2.12 $3.72 $3.85 $6.44

EyeMed Select $150 $7.74 $13.84 $14.50 $22.76

For all other benefit premiums log on to Your Benefits Resources™ at http://resources.hewitt.com/homedepot or call the Benefits Choice Center at 1-800-555-4954.

• For weekly rates, take the biweekly rates above, multiply by 26, then divide by 52. • In some instances your paycheck may not be enough to cover the entire amount of your benefits premiums. In those cases, the amount of the premium

above your paycheck is still owed and will be collected from your future paychecks.

2015 PAYROLL DeDUCTIOnS

© 2014 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt management Company LLC.

This information offers only a brief overview of the benefit plans. Byenrolling in or making changes to your benefits (including such actions as,but not limited to: adding dependents, verifying a child’s full-time studentstatus), you are responsible for providing truthful and accurate informa-tion. Providing false information may result in disciplinary action as out-lined in the Company’s Standards of Performance.

The Benefits Summary is the definitive guide to benefits at The HomeDepot. The benefits information in this New Associate EnrollmentGuide is provided as a service to associates. A description of the benefit provisions, conditions and limitations will be included in the current Benefits Summary, which is provided annually to all associates.Plans having these programs and features also have exclusions, limita-tions, reductions of benefits and terms under which the plans and poli-cies may be continued in force or discontinued. In the event of a con-flict between this guide and the official plan documents or policies, theplan documents or policies will govern. The Company has the right toamend or terminate these benefits at any time.

Confidential and Proprietary

This is an unpublished work containing confidential and proprietary information of The Home Depot. All rights reserved.

USVI FULL-TIme HOURLY AnD SALARIeD ASSOCIATeSUSVI FT nH GUIDe 2015

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