BENEFITS ANNUAL ENROLLMENT2

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GUIDE FOR FULL-TIME ASSOCIATES LIVING IN USVI

IT’S TIME TO ENROLLDON’T MISS YOUR CHANCE TO ENROLL IN OR MAKE CHANG ES TO YOUR 2016 BENEFITS.

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ENROLL BY YOUR ENROLLMENT DEADLINE—NOV. 6

Enroll OnlineFast, convenient, easy and mobile-device friendly! Enroll at livetheorangelife.comby the end of your enrollment period.

You also can enroll by calling the Benefits Choice Center @1-800-555-4954, between9 a.m. and 7 p.m. Eastern Time, Monday through Friday. Call volume will be heavy.

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

FINANCIAL PROTECTION PLANS• Disability Insurance• Life Insurance• Accidental Death & 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

The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, is posted online at livetheorangelife.com. A paper copy is available through the Benefits Choice Center at 1-800-555-4954.

WHAT’S INSIDEMedical. . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

Best Doctors® . . . . . . . . . . . . . . . . . . . . . . 6

Critical Illness Protection . . . . . . . . . . . . . 7

Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Health Care and Dependent Day Care Spending Accounts. . . . . . . . . 10

More Valuable Benefits . . . . . . . . . . . . . . 11

Benefits Contact List . . . . . . . . . . . . . . . . 12

2016 Payroll Deductions . . . . . . . . . . . . . 13

WANT MORE INFORMATION?

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 $0Out-of-pocket maximum: individual/family $6,350 individual/$12,700 familyLifetime coverage limit Limit does not applyCoinsurance percentage 100% covered; unless otherwise notedPOLICIES/REQUIREMENTSNeed to file claims No; however, members may have to file a claim for out-of-network providers

ACCESSAbility to self-refer to OB/GYN YesAbility 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 Preventive services are covered as recommended by the U.S. Preventive Services Task Force (Grade A and B rating), the Advisory Committee on Immunization Practices of the Centers for Disease Control and Prevention, and the guidelines supported by the Health Resources and Services Administration.The complete list of recommendations and guidelines can be viewed atwww.healthcare.gov/preventive-care-benefits

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

MEDICAL

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Enrolling During Annual Enrollment• IF YOU ARE CURRENTLY ENROLLED IN MEDICAL AND DO NOT MAKE A CHANGE,

YOU WILL CONTINUE YOUR CURRENT 2015 COVERAGE.

• IF YOU WOULD LIKE TO ENROLL IN MEDICAL AND ARE NOT ENROLLED TODAY, YOU MUST ACTIVELY ENROLL BY NOVEMBER 6 TO HAVE COVERAGE IN 2016.

The Anthem Blue Cross Blue Shield (BCBS) PPO Medical Plan

How the Anthem Blue Cross Blue Shield PPO Works• YOU CAN RECEIVE CARE FROM ANY PROVIDER AND RECEIVE FULL BENEFITS FOR

COVERED SERVICES. However, if you use a BlueCard network provider, you can pay a copay for many services with no claim form needed. 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 ANY PROVIDER AND FULL BENEFITS WILL BE PAID FOR ELIGIBLE EXPENSES.

MEDICAL CONTINUED

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U.S. Virgin Islands Anthem BCBS Medical PlanBENEFIT YOU PAY

Preventive Care continued

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

INPATIENT SERVICES Inpatient Room and Board

Hospital copay $50 copay

Inpatient care 100% covered after $50 copay

EMERGENCY CARE

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

Walk-in clinic Not available

Urgent care clinic visit 100% covered -Accident; $50 copay-Illness

Ambulance services $50 copay

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MEDICAL CONTINUED

U.S. Virgin Islands Anthem BCBS Medical PlanBENEFIT YOU PAY

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 copay

Preferred $20 copay

Non-Preferred $30 copay

OTHER 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

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MEDICAL CONTINUED

Be a Smarter Health Care Consumer

Know Your Risks and Actively Manage Them• GET CERTAIN PREVENTIVE CARE SERVICES FREE FROM BCBS NETWORK PROVIDERS.

CALL ANTHEM BCBS FOR A LIST OF FREE 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 TO THE DOCTOR OR HOSPITAL. Anthem BCBS may be able to suggest a doctor or hospital that provides the service you need at a lower cost while still providing high quality.

• GET HELP WITH CLAIMS, BILLING ISSUES AND OTHER MEDICAL SERVICES THROUGHHEALTH ADVOCATE. Call Health Advocate at 1-800-519-6689.

• IF YOU ARE COVERED UNDER A HOME DEPOT MEDICAL PLAN, BEST DOCTORS CANPROVIDE YOU WITH A CONFIDENTIAL EXPERT SECOND OPINION SO YOU CAN BE SURE YOU’RE GETTING THE RIGHT DIAGNOSIS AND THE RIGHT TREATMENT. CallBest Doctors at 1-866-797-8021.

Wellness Resources for a Healthier You• THE FREE INDIVIDUAL COUNSELING AND NICOTINE PATCHES FROM THE QUIT FOR

LIFE PROGRAM HAVE HELPED MORE THAN 17,500 EMPLOYEES OF THE HOME DEPOTQUIT TOBACCO. The program is free for all associates and their spouses/domestic partners who are covered by The Home Depot medical plan. Call Quit for Life at 1-866-784-8454 to enroll today.

• BUILDING BETTER HEALTH (BBH) PROGRAM—THE GOAL OF BBH 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 OFTHE HOME DEPOT AT livetheorangelife.com. Take advantage of discounts on training equipment, gyms, weight control programs and much more.

• Traumas to multiple organs and/or body systems

• Complications from the prematurebirth of a child

• Spinal cord injuries• Traumatic brain injuries

• Severe burns• Sepsis• Acute 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 confidentyou’re getting the right diagnosis and the right treatment.

When you or your family member is facing a health issue, it’s difficult to knowexactly what to do—especially if you get conflicting advice from differentspecialists. You need the right answers to tough 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 acute medical events resulting in admittance to the ER, ICU orNICU, such as:

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

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CRITICAL ILLNESS PROTECTION THE CRITICAL ILLNESS PLAN PAYS A LUMP-SUM BENEFIT FOR CERTAIN MEDICAL CONDITIONS.

Enrolling During Annual Enrollment • IF YOU ARE CURRENTLY ENROLLED IN THE CRITICAL ILLNESS PROTECTION PLAN AND DO

NOT MAKE A CHANGE, YOU WILL CONTINUE YOUR CURRENT 2015 COVERAGE.

• IF YOU WOULD LIKE TO ENROLL IN THE CRITICAL ILLNESS PROTECTION PLAN ANDARE NOT ENROLLED TODAY, YOU MUST ACTIVELY ENROLL BY NOVEMBER 6 TO HAVECOVERAGE IN 2016.

Your Critical Illness Benefit Amount Options• $5,000 • $10,000 • $20,000 • $30,000

Learn More About the Critical Illness Protection Plan• GET DETAILED INFORMATION ABOUT THE CRITICAL ILLNESS PROTECTION PLAN in

the 2016 Benefits Summary by visiting livetheorangelife.com > Learn & Enroll > Legal Documents.

• FIND A WELLNESS CLAIM FORM at livetheorangelife.com > Save & Protect> Financial Protection.

A Quick Look at the Critical Illness Protection Plan

Critical Illness Plan Features• THE CRITICAL ILLNESS PLAN PAYS A LUMP-SUM BENEFIT FOR SPECIFIC CONDITIONS,

such as heart attack, stroke, cancer, transplant, Alzheimer’s disease andparalysis and benefits for eligible travel and lodging expenses. See thechart below for a complete list of covered conditions. 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 ProtectionPlan coverage.

• CRITICAL ILLNESS PROTECTION PLAN BENEFITS ARE PAYABLE ONLY FOR CONDITIONS DIAGNOSED AFTER YOUR COVERAGE UNDER THE PLAN BEGINS.

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 re-ceive benefits for each ofthe above critical illnessesif the dates of diagnosisfor each 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, including Thin-Prep Pap Test

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

• Serum Protein Electrophoresis (test for myeloma)

• Stress test on bike or treadmill

• Annual physical examination (only for covered persons over 18years 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 than 100miles 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, coronary artery by-pass surgery, transplant, invasive cancer or carcinoma in situ. The second date of diagnosis must be more than 12 months after the first date of diagnosis for thecritical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received any treatment during the 12 months afterthe prior occurrence.

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DENTALFREE DENTAL CHECK-UPS AND DISCOUNTED CARE FROM AN IN-NETWORK DENTIST.

A Quick Look at Dental — assumes in-networkMETLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX

Preventive Care 100% 100% 100%

Restorative Care (fillings, oral surgery, root canals, periodontics)

You pay 30% You pay 25% You pay 20%

Major Care (crowns, bridges) Not covered You pay 60% You pay 50%

Orthodontia (braces) Not covered You pay 50%, up to $750 lifetime maximum per covered dependent child

You pay 50%, up to $1,500 lifetime maximum per covered dependent child

Dental Options In-network Dental Features• FREE DENTAL CHECK-UPS. Two cleanings and checkups each calendar

year are free (subject to your option’s maximum annual benefit)

• 15% TO 45% DISCOUNT ON SERVICES.

• DISCOUNTS ON COSMETIC DENTISTRY.

MetLife $500 Max1

MetLife $1,000 Max2

MetLife $2,000 Max3

LEARN MOREABOUT DENTAL AND FIND IN-NETWORK PROVIDERS

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VISION FREE VISION EXAMS FROM IN-NETWORK PROVIDERS.

EyeMed Select $1502

A Quick Look at Vision EYEMED SELECT $120

(IN-NETWORK)EYEMED SELECT $150

(IN-NETWORK)

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

Frames Plan 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

Vision Options

In-network Providers

In-network Vision Features• FREE VISION EXAMS. The plan covers one free eye exam every 12 months

• DISCOUNTS ON LASER VISION CORRECTION.

• PAY LESS FOR GLASSES AND CONTACTS AT EYEMED SELECT PROVIDERS.

EyeMed Select $1201

LEARN MOREABOUT VISION AND FIND

IN-NETWORK PROVIDERS

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SPENDING ACCOUNTSSAVE ON ELIGIBLE HEALTH CARE AND DEPENDENT CARE EXPENSES.

A Quick Look at the Spending Accounts How You Save Money Using the Spending Accounts When you pay for eligible health care expenses—such as deductibles, coinsurance, copayments and prescription drugs—and dependent day care expenses through these accounts, you are using before-tax dollars, which are put into your account before taxes are taken out of your paycheck.

The amount you save depends on your tax bracket and the tax rate in your state. So, if you’re in the 15% tax bracket and you also pay the7.65% Social Security/Medicare tax, you could save as much as 22.65%on expenses you pay for through the accounts. If you pay a state incometax or are in a higher tax bracket, you’ll save even more.

IN 2016 YOU CANCONTRIBUTE:

FOR ELIGIBLE EXPENSES YOU

INCUR BETWEEN:

IF YOU CONTRIBUTE$1,000/YEAR ($38BI-WEEKLY) TO ANACCOUNT, YOU’LLSAVE AT LEAST:

Health CareSpending Account

$260 minimum up to $2,550 maximum

January 1, 2016 – March 15, 2017

$266 a year

Dependent DayCare SpendingAccount

$260 minimum up to $5,000 maximum

January 1, 2016 – December 31, 2016

$266 a year

LEARN MOREABOUT THE SPENDING ACCOUNTS

MORE VALUABLE BENEFITSDURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS.

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Life Insurance• Basic Life and Supplemental Life Insurance

• Dependent Life Insurance

Disability • Short-term Disability

• Long-term Disability

Accidental Death & Dismemberment (AD&D)• Associate-only AD&D

• Family AD&D

MetLaw Legal Services• Covered services such as wills and traffic issues are FREE when

you use a network attorney

• If you enroll, your spouse/domestic partner and children can also use the plan

FutureBuilder 401(k) Savings Plan• Lower your tax bill today while saving for tomorrow with before-tax

contributions

• Once you’re eligible, you’ll begin receiving matching contributions on the first 5% of pay you save through FutureBuilder

Employee Stock Purchase Plan• The Home Depot stock will be purchased for you at a 15% discount

BENEFITSCONTACT LIST

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PHONE NUMBER INTERNET ADDRESSGeneral Assistance

Benefits Choice Center: Benefits questions & enrollment 1-800-555-4954 Log on to livetheorangelife.comHR Services:HR/Pay questions 1-866-myTHDHR (1-866-698-4347) www.myTHDHR.com

Full-Time Hourly/Salaried Medical Plan ProviderAnthem – Blue Cross Blue Shield 1-877-434-2734 livetheorangelife.comCritical Illness Protection Plan ProviderAllstate Benefits 1-866-828-8766 http://allstatevoluntary.com/homedepot Dental Plan ProviderMetlife 1-800-638-9909 www.metlife.com or log into www.livetheorangelife.com for single sign-onVision Care Plan ProviderEyeMed Vision Care 1-888-203-7447 www.eyemed.com

Full-time Hourly/Salaried Flexible Spending AccountsYour Spending Accounts (YSA) 1-800-555-4954 Log on to livetheorangelife.comFull-time Hourly/Salaried Life Insurance/AD&DSecurian Life 1-888-254-1324 Log on to livetheorangelife.comFull-time Hourly/Salaried DisabilityAetna 1-866-400-8762 Log on to livetheorangelife.comTo Learn About...

Associate Discounts Log on to livetheorangelife.comCare Solutions for Life 1-800-553-3504 livetheorangelife.comBest Doctors (Critical Care Second Opinion Program) 1-866-797-8021 livetheorangelife.comFinancial Engines Investment Advice 1-800-601-5957 livetheorangelife.comFinancial Management Program 1-877-654-2427 www.bettermoneyhabits.comIdentity Theft Protection (AllClear) 1-877-676-0373 www.enroll.allclearid.comCareerDepot http://careers.homedepot.com/career-depot.htmlESPP (Employee Stock Purchase Plan) 1-800-843-2150 www-us.computershare.com/employee; To enroll: Log on to livetheorangelife.comHealth 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.orgMatching Gift (A program of The Home Depot Foundation) 1-888-628-2442 www.givingprograms.com/homedepotQuit for Life (Quit Tobacco Program) 1-866-784-8454

Adoption Assistance Program 1-800-555-4954 livetheorangelife.comTuition Reimbursement Program 1-800-555-4954 livetheorangelife.com

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

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2016 MEDICAL BIWEEKLY PAYROLL DEDUCTIONSPAYROLL DEDUCTIONS FOR ALL OTHER BENEFITS WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION

MEDICAL

Anthem Blue Cross Blue Shield $64.00 $129.00 $107.50 $170.75

DENTAL

MetLife $500 Max $6.19 $12.38 $12.54 $18.80

MetLife $1,000 Max $12.91 $25.81 $26.13 $39.20

MetLife $2,000 Max $16.00 $32.01 $32.40 $48.60

VISION

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

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

• 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.

ASSOCIATE ONLY ASSOCIATE+SPOUSE ASSOCIATE + CHILD(REN) ASSOCIATE + FAMILY

¿NO HABLA O LEE 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.

This guide is for associates living in Hawaii only. Guides for associates living in the U.S., Guam, Puerto Rico and U.S. Virgin Islands are available at livetheorangelife.com. The benefits information in this Annual EnrollmentGuide 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 orpolicies 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 BenefitsSummary is available at livetheorangelife.com. The FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under Learn & Enroll. The Health and Welfare Plans’ Summary Annual Re-ports will be posted to livetheorangelife.com under Learn & Enroll in early 2016. The annual Medicare Part D notice has also been posted to livetheorangelife.com under Learn & Enroll and a paper copy can berequested by calling the Benefits Choice Center at 1-800-555-4954.

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¿NO HABLA O LEE 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.

This guide is for full-time associates living in USVI. Guides for other areas are available at livetheorangelife.com.

The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, is posted online at livetheorangelife.com. A paper copy isavailable through the Benefits Choice Center at 1-800-555-4954.

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 AnnualEnrollment Guide, Benefits Summary and other plan documents or policies, the plan documents or policies will govern. Although The Home Depot established its benefitplans with the intention that they may be maintained indefinitely, the plans may be amended, terminated or discontinued at any time. The Benefits Summary is avail-able at livetheorangelife.com. The FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under Learn & Enroll. The Health and WelfarePlans’ Summary Annual Reports will be posted to livetheorangelife.com under Learn & Enroll in early 2016. The annual Medicare Part D notice has also been postedto livetheorangelife.com under Learn & Enroll and a paper copy can be requested by calling the Benefits Choice Center at 1-800-555-4954.

16 THD USVI FT AE