ENROLLMENT GUIDE - Home Depot Live The Orange Life

For Guam Part-Time Hourly Associates

ENROLLMENTGUIDE

Your 2012 New Associate

What You Need to Know to Enroll 1

Critical Illness Protection Plan 3

Dental Plan Coverage 5

Term Life Insurance 6

Disability Coverage 6

FutureBuilder 7

The Employee Stock Purchase Plan 9

MetLaw Legal Services 9

Ayco’s Money in Motion Program 9

How to Enroll 10

Benefits Contact List 11

2012 Payroll Deductions 12

HEALTH CARE PLANS• Dental

• Critical Illness Protection

FINANCIAL PROTECTION PLANS• Disability Insurance

• Life Insurance

• MetLaw Legal Plan

FINANCIAL BENEFITS • FutureBuilder

• Employee Stock Purchase Plan (ESPP)

• Success Sharing

ADDITIONAL PROGRAMS • Paid Time Off

• Adoption Assistance

• CARE/Solutions for Life

• Associate Discounts

• Matching Gift Program

• Quit for Life® Tobacco Cessation Program

• Ayco’s Money in Motion Program

• Financial Engines

IT’S TIME TO ENROLL IN YOUR HOME DEPOT BENEFITS FOR 2012

What’s Inside

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

Puerto Rico Full-Time Hourly and Salaried Associates

2012 New Associate Enrollment For help, visit www.livetheorangelife.com or call 1-800-555-49541

Guam Part-Time Hourly Associates

What You Need to Know to Enroll as New AssociateIt’s time for you to enroll in your new Home Depot

benefits. 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 the chart below, it contains your enrollment

deadlines and other enrollment information for

each of the Home Depot plans. Please note that

if you don’t enroll in the highlighted plans,

including the dental and critical illness protec-

tion plans, before your 91st day of employ-

ment, you will not have coverage for the rest

of the calendar year and you will not be able to

enroll until the next annual enrollment period

(generally in the fall of each year) unless you

have a qualified status change. See the Life

Events chapter of the Benefits Summary for infor-

mation on qualified status changes.

New Associate Enrollment DatesPlease see the rest of this guide for more details on these plans. Plans highlighted in gray require enrollment by your enrollment deadline or you will not have coverage for 2012. Also note that if you don’t want life insurance or disability coverage, you must decline it before your 91st day of employment or payroll deductions for this coverage will begin.

Part-Time Hourly Associates

Dental MUST enroll before your 91st day of employment

Critical Illness Protection Plan

Associate and Dependent Term Life Insurance

• Automatic enrollment in associate life insurance• Payroll deductions begin on your 91st day of employment unless you decline coverage • If you decline coverage, you can enroll any time but not more than once during a 12-month period

Short-Term Disability (STD) • Automatic enrollment in STD coverage• Payroll deductions begin on your 91st day of employment unless you decline coverage• If you decline coverage, you can enroll any time but not more than once during a 12-month period

MetLaw Legal Services MUST enroll before your 61st day of employment or you will have to wait until the next annual enrollment


Live the Orange Life: Guide to Your Benefits Puerto Rico Full-Time Hourly and Salaried AssociatesPuerto Rico Full-Time Hourly and Salaried AssociatesLive the Orange Life: Guide to Your Benefits

Part-Time Hourly Associates

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 90 days of service. Company matching contributions begin the first day of the calendar quarter beginning on or after the dateyou complete one year of service (at least 1,000 hours in a 12-month period), if you have enrolled.

Employee Stock Purchase Plan • 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)

More Home Depot Benefits:

New Associate Enrollment Dates (continued)

• Paid Time Off

• Adoption Assistance

• CARE/Solutions for Life

• Associate Discounts

• Health Advocate

• Matching Gift Program

• Tobacco Cessation Program

• Ayco’s Money in Motion Program

• Financial Engine




What You Need to Know To have critical illness protection plan coverage

through The Home Depot in 2012, you must actively

enroll before your 91st day of employment.

To verify that you and your dependents are eligible

for coverage in 2012, see the Eligibility and

Enrollment chapter of the Benefits Summary.

Your Critical Illness BenefitAmount Options• $5,000

• $10,000

• $20,000

• $30,000

A summary of benefits under the Critical Illness

Protection Plan is on the next page.

To view your rates, select the Critical Illness

Protection Plan during your enrollment session and

enter your information (for example, tobacco-user

status and number of dependents covered).




Visit http://www.allstateatwork.com/homedepot or

see the Critical Illness Protection Plan chapter of

the Benefits Summary to learn more about the

Critical Illness Protection Plan.

The Critical Illness Protection Plan • The Critical Illness Protection Plan pays a

lump-sum benefit for specific conditions,

such as heart attack, stroke, cancer, transplant,

Alzheimer’s disease and paralysis and benefits for

eligible travel and lodging expenses. See the chart

on the next page for a complete list of covered condi-

tions. The plan is administered by Allstate Benefits.

• The plan also pays an annual benefit of $75 for

wellness services. In some cases, that $75 could

cover the cost of your Critical Illness Protection

Plan coverage.

• Critical Illness Protection Plan benefits are

payable only for conditions diagnosed after your

coverage under the plan begins.

Critical Illness Protection Plan Coverage



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 ofhearing

• 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 illnessare separated by atleast 90 days.

• Coronary arterybypass surgery

• Carcinoma in situ• Amyotrophic lateral

sclerosis (LouGherig’s disease)

• 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 specificantigen—blood test for prostate cancer)

• Serum ProteinElectrophoresis (test for myeloma)

• Stress test on bike or treadmill

• Annual physical examination (only for covered personsover 18 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 afacility if more than 100 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 includingdays 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, coronary artery bypass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be morethan 12 months after the first date of diagnosis for the critical illness, and for the cancer critical illness benefits, the covered personmust have had no symptoms nor received any treatment during the 12 months after the prior occurrence.

Critical Illness Protection Plan Summary of Benefits




What You Need to KnowTo have dental coverage through The Home Depot

in 2012, you must actively enroll before your 91st

day of employment.




Your Dental Coverage

The TakeCare Dental Plan• You must use TakeCare network dentists or no

benefits are paid! To find a TakeCare network

dentist, go to www.takecareasia.com or call the

Customer Service department on Guam at

1-671-647-3526.

• No deductible in the dental plan! The dental

plan begins paying benefits immediately—there is

no deductible before benefits for covered dental

services are paid.

• Free dental preventive care! Two dental clean-

ings and checkups each calendar year are free

if you use a TakeCare network dentist.

Dental Coverage

Dental Service TakeCare Network Dentists Only

Annual Maximum Benefit • $1,500 per covered person per calendar year

Preventive Care You pay nothing.

Restorative You pay 20%

Simple Extractions You pay 20%

Endodontics You pay 50%

Periodontics You pay 50%

Prosthodontics You pay 50%

Orthodontics Plan pays a lifetime benefit up to $1,000 per covered person. Coverage is limited to the active

phase (Phase II) of the treatment plan and is only available to covered children up to age 17.

2012 Dental Plan Coverage

www.takecareasia.com



What You Need to Know• As a new associate, you are automatically

enrolled in disability coverage. If you don’t want

this coverage, you must decline it before your 91st

day of employment or payroll deductions will

begin. To decline disability coverage, go to the

Your Benefits Resources website or call the

Benefits Choice Center at 1-800-555-4954.

• If you decline disability coverage as a new associ-

ate, you can enroll at any time—but not more than

once during a 12-month period or if you experi-

ence a qualified status change—by calling the

Benefits Choice Center.

Disability Coverage for Part-Time Hourly AssociatesDisability benefit • 50% of your covered weekly base pay (up to $125 per week)

for an approved disability

• Benefits are reduced by other income you receive (such as Social

Security and Workers’ Compensation) while you are disabled.

When benefits are payable • After an illness or injury has kept you unable to work for 14

consecutive calendar days

How long benefits are payable • Benefits continue for an approved period of disability up to 26 weeks

(your 14-day elimination period plus your 24 weeks of coverage)

What You Need to Know• You are automatically enrolled in Term Life

Insurance for yourself. If you don’t want this

coverage, you must decline it before your 91st

day of employment or payroll deductions will

begin. To decline Term Life Insurance, go to the

Your Benefits Resources website or call the

Benefits Choice Center at 1-800-555-4954.

• You must designate the beneficiary(ies) for your

life insurance coverage during your enrollment

session using the online Beneficiary Form!

When you reach the “Enroll in Your Benefits”

page during your enrollment session, you’ll

see a link “Choose a Beneficiary.”

• If you decline term life insurance coverage as a

new associate, you can enroll at any time—but

not more than once during a 12-month period or

if you experience a qualified status change—by

calling the Benefits Choice Center.




To find out more about term life insurance coverage,

see the Life Insurance chapter of the Benefits

Summary.

Term Life Insurance for Part-time Hourly Associates and Their FamiliesAssociate Coverage • $20,000 coverage

amount

• If your death is the

result of an accident,

your beneficiary will

receive an additional

$20,000

Spouse or Same-Sex

Domestic Partner

Coverage

• $2,500 coverage

amount

Child Coverage • $2,500 coverage

amount for each

eligible child age six

months and older

• $500 coverage

amount for a child

under six months




Disability Coverage for Part-Time Hourly Associates (continued)

What You Need to Know• You can begin making before-tax and/or Roth

after-tax contributions to your FutureBuilder

account when you complete 90 days of service.

• It’s easy to enroll in FutureBuilder or make

changes to your contributions or investments

during your enrollment session!

• Automatic escalation of your FutureBuilder contri-

bution percentage is available! You can choose

to have your contribution percentage automati-

cally increased by 1% each year up to a maxi-

mum target rate of 10% through the Quick

Enrollment Process, or you can choose your own

automatic contribution percentage increase and

target maximum rate (up to 50%). You can enroll

in automatic escalation during your annual enroll-

ment session!

How FutureBuilder Helps You Save for Retirement• Matching Home Depot contributions—once

you have completed one year of service (at least

1,000 hours 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’ll receive

50¢ for every dollar you save from the next 2% to

5% of your pay.

• A variety of investment approaches—you

can let the professionals invest your account by

choosing a LifePath Portfolio or make your own

investment decisions among the plan’s core funds

or through the self-directed brokerage window.

• Professional investment advice—if you would

like professional advice on how much to save

through FutureBuilder and how to invest your

savings in the plan, consider using Financial

Engines Investment Advice. Financial Engines

is an independent investment advisor that

provides unbiased advice to FutureBuilder 401(k)

Plan participants. Log on to Your Benefits

Resources from www.livetheorangelife.com

and click on the Savings & Retirement menu

and then Investment Advice to access this

valuable service.

• A lower tax bill—you lower your tax bill today by

making before-tax contributions to FutureBuilder.

You pay no taxes on your contributions, the com-

pany matching contributions or your investment

earnings until you take the money out of the plan.

It’s important to thoroughly review the FutureBuilder

chapter in the Benefits Summary for complete infor-

mation about how the plan works.

Your Disability CoverageIf an illness or injury leaves you unable to work, your

bills keep coming even though your paychecks stop.

When you are covered under the short-term dis-

ability plan, you’ll continue to receive part of your

income if a qualified disability keeps you at home.

That’s why disability coverage is such an important

financial safety net for you and your family.

For more information on how the disability plan

works, see the The Short-term Disability Plan

chapter in the Benefits Summary.

FutureBuilder



Comparison of Traditional Before-tax 401(k) Contributions and Roth After-tax 401(k) ContributionsTraditional 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

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 annual contribution limit of $17,000?

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 and hardship 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 no taxes are due if you receive a qualified distribution(Note: Does not apply to Company-matching contribu-tions)

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 distributionor if your distribution is rolled over into an IRA or another qualified employer-sponsored plan. Earnings on before-tax Company matching contributions will be taxed since those contributions have not yet beentaxed.




The Employee Stock Purchase PlanYou have two opportunities to enroll in the ESPP

each year—before each ESPP “Plan” deadline—

December 17 for the January 1, 2012 plan and June

16 for the July 1, 2012 plan. You can enroll on Your

Benefits Resources by selecting Savings &

Retirement and clicking 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 opportunity to invest in ownership of the

Company at a special associate price. Through

the plan, you can purchase shares of Home Depot

stock at a 15% discount.

• Buy stock through convenient payroll deduc-

tions! When you enroll, you’ll indicate the percent-

age of your pay you want to invest in the ESPP

through payroll deduction, up to a maximum of 20%

of your eligible earnings or $21,250. On the last day

of each plan, Home Depot stock will be purchased

for you. The price of the stock is 15% off the closing

stock market price on the last day of the plan.

What You Need to KnowIf you want MetLaw legal services coverage for

2012, you must go to the MetLife website and enroll

before your 61st day of employment. You cannot

enroll in this coverage at any other time.

To get more information about MetLaw (including

price quotes) and to enroll, go to the MetLife

website—you’ll find a link to this website on

the Your Benefits Resources website: Click Health

& Insurance…> click Health and Insurance

Summary—the link is under Take Charge

of Your Health > click Voluntary Benefits.

MetLawThe MetLaw network of over 9,000 experienced par-

ticipating attorneys can help you prepare a will and

deal with debt issues, identity theft, family law and

real estate and traffic matters. Covered services are

paid in full when you use an in-network attorney.

You also can use an out-of-network attorney and be

reimbursed based on a set fee schedule. When you

enroll in MetLaw, your spouse or eligible domestic

partner and your eligible children are covered.

Associates have access to financial education

and counseling at a highly discounted rate. To

learn more about or enroll in this program, visit

www.livetheorangelife.com and select the

Financial Benefits tab.

MetLaw Legal Services

Ayco’s Money in Motion Program



What You Need to Know• If you want to have dental or critical illness

protection plan coverage through The Home

Depot in 2012, you MUST go to the Your

Benefits Resources website or call the

Benefits Choice Center before your 91st

day of employment.

If you don’t go to Your Benefits Resources and

enroll, you will not have coverage under these plans

through the Company in 2012.

• You also must enroll in MetLaw before your 61st

day of employment to have this coverage in

2012—you’ll find a link to the MetLaw enrollment

website on the Your Benefits Resources

website: Click Health, Insurance….> click

Health—the link is under Take Charge of

Your Health.

• You must designate your beneficiary(ies) for

your life insurance coverage using the online

Beneficiary Designation form during your

enrollment session!

Using Your Benefits Resources to EnrollThe easiest way to enroll in your benefits is

on the Your Benefits Resources website.

You can enroll at any time, as long as you enroll by

your enrollment deadline. Be sure to take advantage

of the online enrollment tools to help you make your

spending account, dental and vision plan decisions.

First: Register as a New User

It’s easy to register as a new user on Your Benefits

Resources—simply follow the prompts to access

your personal account:

• Next to Log on, click the “Register as a New

User” link

• Enter your Personal Identification: the last four

digits of your Social Security Number and your

date 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 of

your choice (four to 20 letters and/or numbers)

• Choose your security questions and

answers—if you forget your User ID or Password,

you will be able to access your account by

answering the security questions you set up

correctly. You also have the option to have your

password sent to your e-mail address if your

e-mail address is on file—this prompt will appear

on the I Forgot My Password page. If you would

like to have your e-mail address on file, you can

provide it by going to Your Profile at the top of

the web page.

Congratulations! You can now access your personal

Your Benefits Resources account!

Use Steps 1 through 2 to help you make your

benefit choices and click Step 3 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 2012 BenefitsThrough The Benefits Choice Center

While 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




Benefits Contact ListGeneral Assistance

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

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

Critical Illness Protection Plan Provider

Allstate 1-866-828-8766 www.allstateatwork.com/homepdepot

Part-Time Hourly Dental Plan Provider

TakeCare 1-671-647-3526 www.takecareasia.com

Life Insurance/Disability

Aetna SRC 1-800-508-4015 Log onto Your Benefits Resources from www.livetheorangelife.com

To Learn About...

Associate DiscountsLog onto Your Benefits Resources from www.livetheorangelife.comand select the Associate Discounts tab

Financial Engines Investment Advice 1-800-601-5957 www.livetheorangelife.com and choose General Information

Ayco’s Money in Motion Program 1-800-437-6383www.livetheorangelife.com and choose General Information, then the Financial Benefits tab

CARE/Solutions for Life 1-800-553-3504 www.caresolutionsforlife.com

ESPP (Employee Stock Purchase Plan) 1-800-843-2150www-us.computershare.com/employee; To enroll: http://resources.hewitt.com/homedepot

Health Advocate 1-800-519-6689

The 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 www.quitnow.net/homedepot

Phone Number Internet Address



2012 Payroll Deductions2012 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions

Full-TimeHourly &SalariedAssociates

Part-TimeHourly

Associates

Associate -Only

Associate +Spouse

Associate +Child(ren)

Associate +Family

DENTAL PLAN OPTIONS

TakeCare Dental o o $24.80 $49.51 $47.13 $65.48

For all other benefit premiums log on to Your Benefits Resources™ from www.livetheorangelife.com 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.

This information offers only a brief overview of the benefit

plans. By enrolling in or making changes to your benefits

(including such actions as, but not limited to: adding depend-

ents, verifying a child’s full-time student status), you are

responsible for providing truthful and accurate information.

Providing false information may result in disciplinary action as

outlined in the Company’s code of conduct.

The Benefits Summary is the definitive guide to benefits

at The Home Depot. The benefits information in this guide

is provided as a service to associates. A description of the

benefit provisions, conditions and limitations will be included in

the current Benefits Summary. Plans having these programs

and features also have exclusions, limitations, reductions of

benefits and terms under which the plans and policies may be

continued in force or discontinued. In the event of a conflict

between this guide and the plan documents or policies, the

plan documents or policies will govern. The Company has the

right to amend 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.

GUAM PART-TIME HOURLY ASSOCIATES

GUAM PT NH GUIDE 2012

© 2011 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC.

ENROLLMENT GUIDE - Home Depot Live The Orange Life

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