BENEFITS ANNUAL ENROLLMENT GUIDE

Your 2014

BENEFITS ANNUAL ENROLLMENT GUIDE

Valuable Benefits Available Exclusively to You For Part-time Associates

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¿No hablas o lees inglés? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al 1-800-555-4954 y diga “Estados Unidos” para hablar con un representante en español. The benefits information in this Annual Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in the Annual Enrollment Guide, Benefits Summary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefit plans with the intention that they may be maintained indefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is available at livetheorangelife.com. The FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under the communications tab. The Health and Welfare Plans’ Summary Annual Reports will be posted to livetheorangelife.com under the communications tab in early 2014.The annual Medicare Part D notice has also been posted to livetheorangelife.com under communications and a paper copy can be requested by calling the Benefits Choice Center at 1-800-555-4954.

2014 ANNUAL ENROLLMENT What You Need to Know for 2014 Annual Enrollment •

As part of the new health care law, limited medical plans are no longer allowable in 2014. Our current part-time Aetna/SRC plans are impacted by this beginning January 1, 2014. —In place of this coverage, the law provides for a new public Marketplace (or “exchange”) where you will have more options and can shop for comprehensive medical coverage. —To help you understand and enroll in the medical options available, The Home Depot will provide free support online and by phone. See page 2 for details. —If you are currently enrolled in the Aetna/SRC medical plan, your coverage will end on December 31, 2013.

•

You must take action during your enrollment period if you would like to change your election for benefits like dental and vision coverage. If you do not make a change, you will be defaulted into your current option for these benefits. See pages 4 & 5 for more details.

2014 Annual Enrollment Key Dates •

Beginning October 29, get the details of your 2014 Home Depot benefit options in the electronic annual enrollment guide on livetheorangelife.com under Annual Enrollment.

2014 Annual Enrollment Periods Start Date

Deadline

Work State

Oct 29

Nov 8

AL, AR, FL, GA, KY, LA, MS, NC, OK, SC, TN, TX, VA, WV

Nov 5

Nov 15

CT, DC, DE, IL, IN, MA, MD, ME, MI, NE, NH, NJ, NY, OH, PA, RI, VT

Nov 12

Nov 22

AK, AZ, CA, CO, GU, HI, IA, ID, KS, MN, MO, MT, ND, NM, NV, OR, PR, SD, UT, USVI, WA, WI, WY

Visit livetheorangelife.com > Annual Enrollment

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Health Care in 2014 Reform Key Provisions Go Into Effect 2014 is an important year as key provisions of the health care law go into effect, including: • The creation of the new public Marketplace (or “exchange”) where you can shop for comprehensive medical coverage • Government tax credits (subsidies) available to those who qualify to help pay for Marketplace medical coverage • No exclusion for pre-existing conditions and no annual or lifetime plan maximums • The requirement for most individuals to have medical coverage. Learn more at livetheorangelife.com/IM

Your Health Care Marketplace Support Service The Home Depot is providing a free service to help you: •

Understand your options within the Marketplace

•

Learn how to apply for the government tax credits

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Enroll in coverage through the Marketplace

•

Learn about other public programs such as Medicare and Medicaid

This service is available online and by phone to answer your questions and walk you through the process of purchasing coverage in the Marketplace.

2 WAYS TO TAKE ADVANTAGE OF THIS FREE RESOURCE:

1

Easy to use website: Access the website 24/7 by visiting mymarketplacesupport.com.

2

Talk to an expert: If you have questions or need help enrolling, call 1-866-229-5477 from 9:00 a.m. to 7:00 p.m. ET Monday through Friday.

Want an Overview of Health Care Reform Basics and What’s Changing in 2014? Watch the Kaiser Family Foundation videos at livetheorangelife.com/kff. The Kaiser Family Foundation is an independent nonprofit organization.

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2014 B e ne fi t s A n n u a l En ro l l m e nt Gui de

REQUIRED LEGAL NOTICE Affordable Care Act Required Government Legal Notice

Notice About New Health Insurance Marketplace Coverage Options Why am I receiving this Notice? Key parts of the new health care law take effect in January 2014. One of these key parts is the availability of the Health Insurance Marketplace (the “Marketplace”), which will provide you a new way to buy health insurance. The purpose of this notice is to provide you some basic information regarding the Marketplace. Detailed information regarding the Marketplace is available at HealthCare.gov.

What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that may meet your needs. The Marketplace offers “one-stop-shopping” to find and compare private health insurance options. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014.

How Can I Get More information about the Marketplace? The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Visit HealthCare.gov for more information, including an online application for coverage and contact information for a Marketplace in your area. They can also be reached at 1-800-318-2596. TTY users should call 1-855-889-4325. In addition to HealthCare.gov, you can get information about and assistance with the Marketplace through a service provided by The Home Depot by visiting mymarketplacesupport.com, or calling 1-866-229-5477, 9 a.m. to 7 p.m., Eastern Time, Monday through Friday. This service also provides information about other public programs, such as Medicare, Medicaid, and the Children’s Health Insurance Program (CHIP) that you may find beneficial. This service is not affiliated with Healthcare.gov or any other governmental agency. It is being provided to you by The Home Depot as an additional resource for information on The Marketplace.

Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium, but only if The Home Depot does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.

Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from The Home Depot that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in coverage through The Home Depot. However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost-sharing if The Home Depot does not offer coverage to you at all or does not offer coverage that is either “affordable1” or meets “minimum value2”.

Information about health coverage available through The Home Depot If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application. You can also access a completed Employer Coverage Tool Form at livetheorangelife.com/ECT.

3. EMPLOYER NAME (HOME DEPOT COMPANY DESCRIPTION)

4. EMPLOYER IDENTIFICATION NUMBER (EIN)

HOME DEPOT U.S.A., INC.

58-1853319

HOME DEPOT STORE SUPPORT, LLC

45-2711871

HOME DEPOT SERVICES, LLC

04-3720503

HOME DEPOT INCENTIVES, INC.

58-2654433

THD AT-HOME SERVICES, INC. (INCLUDES RESTORATION SERVICES, INSTALLED PRODUCTS USA, RMA HOME SERVICES, MEASUREMENT SERVICES) U.S. REMODELERS, INC.

75-2698460 75-2686765

* If you are unsure which Home Depot company you work for, please refer to your pay check or contact the HR Service Center at 1-866-698-4347.

5. Employer address: The Home Depot, 2455 Paces Ferry Road 6. Employer phone number: 1-866-698-4347 7. City: Atlanta 8. State: Georgia 9. ZIP code: 30339 10.Who can we contact about employee health coverage at this job? The Benefits Choice Center 11.Phone number: 1-800-555-4954. Please note you may experience wait times. 12.Email address: n/a 14.You are not eligible for health insurance through The Home Depot. You and your family may be able to obtain health coverage through the Marketplace, with a new kind of tax credit that lowers your monthly premiums and with assistance for out-of-pocket costs. 1 An employer-sponsored medical plan is “affordable” if the annual cost of the plan for you (and not any other members of your family) is no more than 9.5% of your household income (as defined by the IRS). 2 As set by the Affordable Care Act.

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BENEFITS to Enroll In During Annual Enrollment Dental Plan—Free Preventive Dental Care Each MetLife dental option provides free preventive care until you have reached your annual maximum benefit. •

MetLife $500 Annual Maximum option— preventive and restorative care only

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MetLife $1,000 Annual Maximum option— comprehensive coverage, including orthodontia

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MetLife $2,000 Annual Maximum option— comprehensive coverage, including orthodontia

If you ARE CU RRENTLY ENR OLLED in the Dental, Vision, Hospital Indem Illness Protect nity, Critical ion, Short-term Disability and/o Term Life Insu r rance plans, yo u will continue your current o ption if you do not take actio n. If you ARE NO T ENROLLED and want coverage in 20 14, you can e n ro ll during your enrollme nt period.

To learn more and find an in-network provider, visit livetheorangelife.com.

Vision Plan—FREE In-Network Eye Exams and Discounts on Glasses and Contacts •

EyeMed Select $120 Plan

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EyeMed Select $150 Plan

Each of the two EyeMed vision options provides a free eye exam from EyeMed Select providers, which include independent providers and Sears, LensCrafters, Pearle Vision, Target Optical and JCPenney Optical. To learn more and find an in-network provider, visit livetheorangelife.com.

Your 2014 Dental and Vision Payroll Deductions Associate Only

Associate + Spouse*

Associate + Child(ren)

Associate + Family

$6.19

$12.38

$12.54

$18.80

$1,000 Annual Maximum

$12.91

$25.81

$26.13

$39.20

$2,000 Annual Maximum EyeMed Vision Options Select $120

$16.00

$32.01

$32.40

$48.60

$2.12

$3.72

$3.85

$6.44

$7.74

$13.84

$14.50

$22.76

MetLife Dental Options $500 Annual Maximum

Select $150

* Or same-sex domestic partner • For weekly rates, take the biweekly rates and divide by 2. • 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.

For all other benefit premiums, log on to Your Benefits Resources™ at livetheorangelife.com or call the Benefits Choice Center at 1-800-555-4954.

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2014 B e ne fi t s A n n u a l En ro l l m e nt Gui de

Hospital Indemnity Plan—Cash When You Need It Most The Hospital Indemnity Plan* pays a cash benefit if you have an inpatient hospital stay: •

Hospitalization Benefit (once per calendar year): $1,000

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Per-Day Benefit (up to 100 days per calendar year): $100

The benefit is paid in cash and how you use it is up to you—groceries, rent, bills, etc. Please note that pre-existing condition exclusions may apply and this coverage is subject to plan limits.

Critical Illness Protection Plan—Cash for Specific Conditions and Wellness Screenings The Critical Illness Protection Plan* can be purchased in four benefit amount options: •

$5,000

• $10,000

• $20,000

• $30,000

This plan pays a lump-sum cash benefit for specific conditions, such as heart attack, stroke and cancer, as well as benefits for eligible travel and lodging expenses. Plus, the $75 benefit you receive for a wellness screening could pay the cost of your coverage!

MetLaw Legal Services MetLaw provides coverage for legal services, such as wills and estate planning documents and real estate matters, at a discounted price. If you are currently enrolled, you will continue your enrollment in 2014. To opt out or enroll, take action during your enrollment period.

Short-Term Disability—Pays Up to $125 Per Week While You Are Disabled If you are covered under the short-term disability plan, you’ll receive 50% of your weekly base pay— up to $125 a week (for a maximum of 24 weeks)—if a qualified disability leaves you unable to work. Benefits begin after you have been unable to work for 14 consecutive days. Note: Not available to associates working in California, New Jersey, New York or Rhode Island— these states have state disability plans.

Term Life Insurance—Support for Your Family You can purchase $20,000 of life insurance for yourself and $2,500 for your spouse and children.

* The Hospital Indemnity Plan and the Critical Illness Protection Plan do not qualify as “minimum essential coverage” under the Affordable Care Act.

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MORE VALUABLE BENEFITS FutureBuilder 401(k)—Free Money from The Home Depot Convenient payroll deductions, a wide variety of investment options and tax advantages make FutureBuilder a great way to save for retirement. Plus, after you have one year of service*, The Home Depot helps you reach your retirement goals by matching part of your contributions. If you need help investing your FutureBuilder account, you can take advantage of Financial Engines—an independent investment advisor. You can enroll in FutureBuilder at any time and contributions will begin once you’ve completed 90 days of service. Learn more and enroll at livetheorangelife.com > Financial Wellness > Save > FutureBuilder 401(k) Plan. *At least 1,000 hours in a 12-month period. Please see the Benefits Summary for detailed vesting rules.

Employee Stock Purchase Plan (ESPP)—Own a Piece of The Home Depot at a Discount The ESPP allows you to set aside up to 20% of your eligible pay (subject to certain tax limits) to purchase shares of The Home Depot stock at a 15% discount. You have two opportunities to enroll in the ESPP each year—before each ESPP Plan deadline of June 16 and December 17. Learn more and enroll at livetheorangelife.com > Financial Wellness > Save > Employee Stock Purchase Plan.

Purchasing Power The Purchasing Power voluntary benefit allows eligible associates to buy brand name products like electronics, baby gear, learning solutions and more through convenient payroll deductions and save 10%.1,2 Learn more at livetheorangelife.com > Financial Wellness > Save > Purchasing Power or call 1-800-541-4349.

Success Sharing For the first half of 2013, 100% of U.S. stores qualified for Success Sharing and earned the highest payout in Company history. Since the Success Sharing program began in 2002, The Home Depot has paid associates over a billion dollars in Success Sharing awards.

1 If you have at least 1,000 hours of service in one year. Visit livetheorangelife.com (Financial Wellness > Save) for eligibility requirements. 2 Not available to associates in New Jersey, Rhode Island and Wyoming.

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2014 B e ne fi t s A n n u a l En ro l l m ent G uide

Homer Awards You can earn Homer Awards for going above and beyond in living the Company values. And you will earn cash rewards for every third Homer Award you receive!

CARE/Solutions For Life—The Employee Assistance Program CARE is a free and confidential resource designed to help associates balance the demands of work and personal life. Assistance includes coaching/counseling for many work and personal concerns, financial and legal assistance, help with child and elder care and other support services. CARE is available to all associates and their household members. Learn more at livetheorangelife.com > Financial Wellness > Manage > EAP Financial Counseling.

Adoption Assistance Once you've completed one year of continuous service (working more than 15 hours a week) from your original date of hire, you may be eligible to apply for adoption reimbursement. The Home Depot reimburses eligible adoption expenses up to a maximum of $1,500 per adoption. Learn more at livetheorangelife.com > Financial Wellness > Manage > Adoption Assistance.

The Matching Gift Program The Home Depot Foundation will match individual associate gifts to eligible organizations ranging from $25 to $3,000 per charity per calendar year.

Time Off Part-time associates are eligible for paid time off after one year of service. For complete information, see the Time-Off Benefits—US SOP available on myApron or call the HR Service Center at 1-866-698-4347.

Homer Fund Since 1999, the Homer Fund has provided more than $90 million to over 71,000 associates in need of shelter, food, clothing and funeral expenses through its Direct and Matching Grant programs. This unique program is funded in part by donations from fellow Home Depot associates. Learn more at thdhomerfund.org.

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MORE VALUABLE BENEFITS

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Quit for Life—FREE One-on-One Coaching and Nicotine Patches Get professional help and kick your tobacco habit like many of your fellow associates have! The Quit for Life program is free to Home Depot associates. Get started today by calling Quit for Life at 1-866-784-8454.

The Home Depot Health Challenge Challenge participants complete healthy activities in three categories: Be Active, Eat Healthy and Outsmart Stress. You will earn points each day by performing healthy activities in the following three categories: Earn up to 4 points per day

Earn up to 4 points per day

Earn up to 2 points per day

Earn up to 10 Bonus Points per week— complete activities like cooking healthy meals and keeping a food journal.

MORE THAN 63,000 associates and spouses participated in the 2013 six-week Home Depot Health Challenge.

MANY WON $1,000 for themselves or their location’s Fun Fund. JOE

The Challenge takes place on hdhealthchallenge.com. Look out for information about the Challenge before it begins in July 2014.

District Winners 3 Years Running—Store 2780 in Grand Haven, Michigan Leading the charge for 2780 is D25 supervisor Don Van Zytveld. Don always has a word of inspiration for his fellow associates and champions healthy alternatives, such as water flavored with fresh fruit, instead of drinks from the soda machine.

BRIAN

This gave Brian Jacobs, MET supervisor, the nudge he needed. Brian has transformed himself by eliminating soda and fast food from his diet. Just 3½ months into his new lifestyle, Brian had already lost 39 pounds and two pants sizes. Garden Associate Joe Masar beats high cholesterol and high-sodium snacks by serving up delicious healthy alternatives, such as chicken kabobs and sushi.

DON

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Way to go store 2780—keep up the great work!

2014 B en e fi t s A n n u a l En ro ll me nt Gui de

Back-Up Dependent Care—Quality Care at a Discount When your regular child or adult/elder care is unavailable, the Bright Horizons Back-Up Care Advantage Program can help. Once you have completed a year of service with the Company, you will receive up to 10 days of care through a nationwide network of quality providers at deeply discounted rates. Learn more at livetheorangelife.com > Financial Wellness > Manage > Back-up Dependent Care or call 1-877-543-2822 to learn more.

Associate Discounts—Why Pay More? Get a Discount Electronics, fitness equipment, gym memberships, gift cards, movies, computers… you can get a discount on just about anything on the Home Depot Associate Discount website. This is a website you should visit often. The Associate Discount website allows you to save on thousands of products and services, including discounts on cell phones, fitness equipment, electronics, movie tickets and many discounts exclusive to The Home Depot! PLUS as a Home Depot associate, you get exclusive discounts on foot orthotics, prescription drugs, eyeglass frames and MUCH MORE! Log on to Your Benefits Resources from livetheorangelife.com —and click on the Associate Discounts tab. 

Commuter Benefits Associates can purchase passes for work-related public transportation and parking expenses (for example, a monthly bus pass) while taking advantage of before-tax payroll deductions. Learn more at livetheorangelife.com > Financial Wellness > Manage > Commuter Benefits.

Get Complete Details on All of Your Home Depot Plans, Programs and Discounts on livetheorangelife.com!

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The Benefits Department The Home Depot 2455 Paces Ferry Road, C-18 Atlanta, GA 30339

NT! A T R O IMP t u tion abo a m r o f In 14 your 20 e! insid benefits

2014 US PT