I LIVE the Orange LIFE!

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1 I LIVE the Orange LIFE! That s the power of your Home Depot benefits Annual Enrollment Guide for Guam Part-Time Hourly Associates Carlene Noto Store 405 Glendale, AZ

2 Benefits Annual Enrollment Toolkit Full-Time Hourly and Salaried Associates What s inside Medical Coverage for Dental Coverage for Term Life Insurance for Part-time Hourly Associates 8 Disability Coverage for Part-time Hourly Associates 8 FutureBuilder 9 The Employee Stock Purchase Plan 9 How to Enroll Payroll Deductions 13 Benefits Contact List 14 Get the Power of Your Home Depot Benefits In 2010! Health Care Plans NEW! Medical Dental Financial Protection Plans Life Insurance Disability Financial Benefits FutureBuilder Employee Stock Purchase Plan (ESPP) Home Life Benefits Paid Time Off CARE/Solutions for Life Associate Discounts Quit for Life Tobacco Cessation Program When You Enroll November 3 through November 13! Benefits Annual Enrollment To enroll, go to or call

3 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates What s New for 2010! for Part-Time Hourly Associates Medical Coverage is now available to part-time associates! Dental New 2010 payroll deductions (See page 13) Life Insurance New online beneficiary designation 2010 Benefits Annual Enrollment 3 To enroll, go to or call

4 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates Medical Coverage for 2010 What s New NEW!!! Medical coverage is now available to part-time associates! For 2010, part-time associates can choose medical coverage through the TakeCare $10,000 Max medical plan. Medical Enrollment Must-Knows You must go to the Your Benefits Resources Web site and actively enroll in the new medical plan by November 13 to have medical coverage in 2010! If you don t actively enroll, you won t have medical coverage next year. Your Medical Option for 2010 The TakeCare $10,000 Max Plan The TakeCare $10,000 Max medical plan is available to you and your eligible dependents. You must use a TakeCare participating provider. The TakeCare network is the largest on-island network of medical providers and pharmacies, including the FHP clinic. No medical benefits are payable for services received from a non-network provider. To find a TakeCare participating provider, go to or call the Customer Service department on Guam at The TakeCare $10,000 Max plan has benefit limits on some services, such as primary office visits. When you have reached the limit for a plan service, the plan will not pay any more benefits for that service. For example, the plan has a $200 limit (per covered individual per calendar year) on primary office visits. This means that after you or a covered dependent has incurred $200 in primary office visit expenses in a calendar year, the plan will not pay any more for primary office visit expenses for that person. For information on your medical coverage and the plan limits, see the Medical Plan chapter of the Benefits Summary for Guam part-time associates. To verify that you and your dependents are eligible for coverage in 2010, see the Eligibility and Enrollment chapter of the Benefits Summary. As part of the ongoing dependent verification process, the Company may ask you to provide documentation of eligibility such as a marriage license or birth certificate Benefits Annual Enrollment 4 To enroll, go to or call

5 Guam Part-Time Hourly Associates TakeCare Asia $10,000 Max Medical Plan In-Network Out-of-Network Annual Deductible $100 individual/$200 Family Not applicable Out-of-pocket maximum $5,000 individual/$10,000 Family Not applicable Primary doctor office visit $15 copay; limited to $200 per covered individual per year Not covered Specialist office visit $15 copay; limited to $1,000 per covered individual per year Not covered Annual physical exam $15 copay; limited to $200 per covered individual per year Not covered Inpatient hospital care 80% covered; limited to $1,000 per covered individual per year Not covered Retail: Generic drug $15 copay; limited to $500 per covered individual per year Not covered Retail: Preferred drug $20 copay; limited to $500 per covered individual per year Not covered Mail Order: Generic and Preferred drug 100% covered; after deductible is met; limited to $500 per covered individual per year for generic and preferred combined Not covered 2010 Benefits Annual Enrollment 5 To enroll, go to or call

6 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates Get the FULL Power of Your TakeCare Medical Plan Get a TakeCare participating provider. TakeCare $10,000 Max medical participants must use TakeCare participating providers or no benefits are paid. To find a TakeCare participating provider, go to or call the Customer Service department on Guam at Get generic prescription drugs! Talk with your doctor about whether a generic drug will work for you. Get your maintenance drugs through the mail order service! You ll save time and money when you use the mail order service to purchase your maintenance drugs. Use the Power of ALL of These Home Depot Programs! Get free one-on-one sessions to help with family situations, depression, alcohol or drug abuse. Services available through CARE/Solutions for Life include face-to-face sessions, child care, elder care and parenting resources, and financial counseling and legal services. These services are confidential and available to you and your immediate family. For more information on the many free services offered to you through CARE/Solutions for Life, see the Work/Life chapter of the Benefits Summary. Get help with claims and billing issues and other medical services! Your Health Advocate will assist you and all of your dependents including your parents and parents-in-law with benefit claims and billing issues, scheduling appointments and many other services. Get a discount on getting in shape! Go to the Home Depot associate discount Web site and get discounts on fitness equipment, health clubs, nutrition and weight management and many, many other items. You can access the associate discount Web site by going to the Your Benefits Resources Web site Benefits Annual Enrollment 6 To enroll, go to or call

7 Guam Part-Time Hourly Associates Dental Coverage for 2010 What s New for 2010 New 2010 payroll deductions (See page 13) Dental Enrollment Must-Knows If you don t go to the Your Benefits Resources Web site and make changes, you ll automatically receive the same dental coverage you have now (2009) for If you want to make changes to your dental coverage, you must go to the Your Benefits Resources Web site and make your changes by November 13. Your Dental Coverage for 2010 The TakeCare Dental Plan You must use TakeCare network dentists or no benefits are paid! To find a TakeCare network dentist, go to or call the Customer Service department on Guam at 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 cleanings and checkups each calendar year are free if you use a TakeCare network dentist. To verify that you and your dependents are eligible for coverage in 2010, see the Eligibility and Enrollment chapter of the Benefits Summary. As part of the ongoing dependent verification process, the Company may ask you to provide documentation of eligibility such as a marriage license or birth certificate. Need more detail? See the Dental Plan chapter of the Benefits Summary Dental Plan Coverage Dental Service Annual Maximum Benefit Preventive Care TakeCare Network Dentists Only $1,500 per covered person per calendar year You pay nothing. Restorative You pay 20% Simple Extractions You pay 20% Endodontics You pay 50% Periodontics You pay 50% You pay 50%; lifetime maximum orthodontia benefit Orthodontics is $1,000 per covered person Benefits Annual Enrollment 7 To enroll, go to or call

8 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates Term Life Insurance for Part-time Hourly Associates and Their Families What s New for 2010 New online beneficiary designation Term Life Insurance Enrollment Must-Knows You must designate the beneficiary(ies) for your life insurance coverage during your Annual Enrollment session using the new online Beneficiary Form! This online designation will replace any prior designation you have made on paper forms. You can enroll in life insurance during Annual Enrollment or if you experience a qualified status change by calling the Benefits Choice Center. If you are currently enrolled in life insurance, you do not have to reenroll during Annual Enrollment you will keep your coverage for 2010 unless you make a change. Your 2010 Term Life Insurance Options Term Life Insurance for Part-Time Associates You can buy life insurance coverage of $20,000 for yourself. If your death is the result of a covered accident, the plan pays your beneficiary an additional $20,000. Term Life Insurance for Your Spouse and Dependent Children You also can purchase Dependent Term Life Insurance for your spouse or same-sex domestic partner in the amount of $2,500 and/or your dependent children in the amount of $2,500 for each eligible child age six months and older ($500 for a child under six months). Disability Coverage for Part-time Hourly Associates What s New for 2010 There are no changes to your disability plan or your disability payroll deductions in Disability Coverage Enrollment Must-Knows If you opted out of disability coverage when you were hired, you can enroll in disability coverage during Annual Enrollment or if you experience a qualified status change by calling the Benefits Choice Center. If you are currently enrolled in disability, you do not have to reenroll during Annual Enrollment you will keep your coverage for 2010 unless you make a change. Your 2010 Disability Coverage If 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 disability 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. To find out more about term life insurance coverage, see the Life Insurance chapter of the Benefits Summary. To verify that you and your dependents are eligible for coverage in 2010, see the Eligibility and Enrollment chapter of the Benefits Summary. You MUST Designate Your Life Insurance Beneficiaries Online during Annual Enrollment! When you reach the Enroll in Your Benefits page during your enrollment session, you ll see a link Choose a Beneficiary. You must complete an online beneficiary designation if you have life insurance coverage. You ll need the following information for each beneficiary you designate: your beneficiary s date of birth. The online beneficiary designations you make will replace any prior designations you have made on paper forms. The short-term disability plan begins paying 50% of your covered weekly base pay (up to $125 per week) after an illness or injury has kept you unable to work for 14 consecutive calendar days. Shortterm disability benefits continue for an approved period of disability up to 26 weeks (your 14-day elimination period plus your 24 weeks of coverage). Short-term disability benefits are reduced by other income you receive (such as Social Security and Workers Compensation) while you are disabled. For more information on how the disability plan works, see the The Short-term Disability Plan chapter in the Benefits Summary Benefits Annual Enrollment 8 To enroll, go to or call

9 Guam Part-Time Hourly Associates FutureBuilder FutureBuilder Enrollment Must-Knows You can begin making before-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! Use the Power of FutureBuilder, Home Depot s 401(k) Program! 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 lower tax bill you lower your tax bill today by making before-tax contributions to FutureBuilder. You pay no taxes on your contributions, the company matching contributions or your investment earnings until you take the money out of the plan. 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 Merrill Lynch Advice Access. Merrill Lynch Advice Access provides you with professional help on determining how much to save, which FutureBuilder core fund investments to choose and how to monitor your progress and stay on track. It s important to thoroughly review the FutureBuilder chapter in the Benefits Summary for complete information about how the plan works. Could you use some professional investment advice? Visit livetheorangelife.com and click the financial tab. Here you ll find a video about Merrill Lynch s Advice Access. The Employee Stock Purchase Plan ESPP Enrollment Must-Knows You have two opportunities to enroll in the ESPP each year before each ESPP Plan deadline December 17 for the January 1, 2010 plan and June 16 for the July 1, 2010 plan. You can enroll on Your Benefits Resources by clicking the ESPP tab. Use the Power of Home Depot s Employee Stock Purchase 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 deductions! When you enroll, you ll indicate the percentage 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. For more information on this exclusive associate opportunity, see the Employee Stock Purchase Plan chapter of the Benefits Summary Benefits Annual Enrollment 9 To enroll, go to or call

Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates How to Enroll What s New for 2010 New, simplified enrollment steps guide you through the process that includes helpful

10 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates How to Enroll What s New for 2010 New, simplified enrollment steps guide you through the process that includes helpful decision-making tools! New requirement to designate your life insurance beneficiaries online! Enrollment Must-Knows You must go to the Your Benefits Resources Web site and actively enroll in the new medical plan by November 13 to have medical coverage in 2010! If you don t actively enroll, you won t have medical coverage next year. If you want to make changes to your dental coverage, you MUST go to the Your Benefits Resources Web site or call the Benefits Choice Center by November 13! If you don t go to Your Benefits Resources and make changes, in 2010 you ll automatically receive the same dental coverage you have now. If you are currently enrolled in life and/or disability insurance, you do not have to reenroll in these plans during Annual Enrollment you will keep your coverage for 2010 unless you make a change. You must designate your beneficiary(ies) for your life insurance coverage using the new online Beneficiary Designation form during your Annual Enrollment session! This online designation will replace any prior designations you have made on paper. When You Enroll Your enrollment deadline is November 13! If you want to enroll in medical coverage or make changes to your dental coverage for 2010, you must go to the Your Benefits Resources Web site or call the Benefits Choice Center by November 13! Using Your Benefits Resources to Enroll The easiest way to enroll in your benefits is on the Your Benefits Resources Web site plus, you could win free medical coverage or a $50 VISA gift card! You can enroll at any time, as long as you enroll before November 13. Be sure to take advantage of the online annual enrollment tools to help you make your medical and dental plan decisions. FIRST, log on to Your Benefits Resources at then visit the Annual Enrollment page. Here you can learn about and enroll in your 2010 benefits. Use Steps 1, 2 and 3 to help you make your benefit choices and click Step 4 when you re ready to enroll! Select 4. Enroll in your benefits then click Enroll Now! to begin the enrollment process. Click on each plan Medical Plan and Dental Plan to choose your options for Don t forget while you re enrolling to: Choose your coverage option in each plan. Select the dependents you want covered under each plan. To add a new dependent, choose Add a Dependent located on each plan page and then enroll them for coverage. You also must certify that the dependent is eligible for coverage Benefits Annual Enrollment 10 To enroll, go to or call

Guam Part-Time Hourly Associates Click the Choose a Beneficiary link and use the new Online Beneficiary Form to name your beneficiary for your Term Life Insurance if you have this coverage.

11 Guam Part-Time Hourly Associates Click the Choose a Beneficiary link and use the new Online Beneficiary Form to name your beneficiary for your Term Life Insurance if you have this coverage. This online designation(s) will replace any prior designations you have made on paper. Paper beneficiary forms will no longer be used to name beneficiaries this must be done online! Once your benefit selections are complete, go to Confirm Your Choices at the bottom of the screen and click the Complete Enrollment button. You should receive a Completed Successfully message on screen. If you don t, your elections haven t been saved. It s a good idea to print your confirmation for your records. You ll see this Completed Successfully message when your enrollment is complete. You can also make changes to your FutureBuilder account quickly and easily during your enrollment session by clicking 5. Review Your FutureBuilder 401(k) Plan on the Annual Enrollment page. You can enroll in your 2010 benefits through the Benefits Choice Center While the easiest, most convenient way to enroll is through Your Benefits Resources, you also may call and speak with a representative. You ll receive a Confirmation of Enrollment in the mail whether you enroll online or by phone. Don t forget to enroll by your enrollment deadline! Use Your Online Annual Enrollment Tools Your online Annual Enrollment tools are valuable resources for choosing your benefits. You ll find links to these tools on the Annual Enrollment page: Under 2. Medical tools to help you choose, you ll find: Search for medical providers Compare medical plan costs Under 3. Dental tools to help you choose, you ll find: Compare dental plan details Search for dental providers 2010 Benefits Annual Enrollment 11 To enroll, go to or call

Keep in mind that you may experience long wait times to speak with a representative during the annual enrollment period! Have Your User ID and Password Ready Before Enrollment! 1.

12 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates I Want to Enroll Now! Go to the Your Benefits Resources Web site. Call the Benefits Choice Center at and speak with a representative. Keep in mind that you may experience long wait times to speak with a representative during the annual enrollment period! Have Your User ID and Password Ready Before Enrollment! 1. Log on to 2. Enter your user ID and Password 3. Click Log On Are you a new user? Log on to Click Register as a New User. You will need to provide the last four digits of your Social Security number and your date of birth. Then you will be prompted to set up a new User ID and password. You also will answer five security questions. 2 3 Forgot Your User ID or Password? 1. Click I Forgot My User ID or I Forgot My Password 2. To get your User ID, enter the last 4 digits of your Social Security Number and your birth date 3. To get your password, enter the last 4 digits of your Social Security Number and your birth date and use one of the prompts: Use Hint to Retry Password, Answer Security Questions or Reset Password Benefits Annual Enrollment 12 To enroll, go to or call

13 Guam Part-Time Hourly Associates 2010 Payroll Deductions 2010 Health Care Plan Eligibility and Bi-Weekly Payroll Deductions Full-Time Hourly & Salaried Associates Part-Time Hourly Associates Associate - Only Associate + Spouse Associate + Child(ren) Associate + Family FULL-TIME AND SALARIED ASSOCIATE MEDICAL/VISION PLAN OPTIONS TakeCare PPO o $30.50 $76.50 $62.50 $ TakeCare Asia o $21.50 $54.00 $44.00 $78.50 PART-TIME ASSOCIATE MEDICAL PLAN TakeCare $10,000 Max o $37.38 $82.14 $67.38 $ DENTAL PLAN OPTIONS TakeCare Dental o o $20.97 $41.95 $39.85 $55.37 For all other benefit premiums log on to Your Benefits Resources at or call the Benefits Choice Center at 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 Benefits Annual Enrollment 13 To enroll, go to or call

14 Live the Orange Life: Guide to Your Benefits Guam Part-Time Hourly Associates Benefits Contact List General Assistance Phone Number Internet Address Benefits Choice Center: Benefits questions & enrollment Your Benefits Resources HR Services:HR/Pay questions myTHDHR ( ) Part-Time Hourly Medical and Dental Plan Provider TakeCare Life Insurance/Disability/Accidental Dismemberment MetLife or go to Your Benefits Resources for single sign-on To Learn About... Associate Discounts and select the Associate Discounts tab CARE/Solutions for Life CareerDepot ESPP (Employee Stock Purchase Plan) www-us.computershare.com/employee; To enroll: Health Advocate The Home Depot Awareness Line: Report workplace concerns The Homer Fund (An independent public charity) Ext Matching Gift (A program of The Home Depot Foundation) Merrill Lynch Quit for Life (Quit Tobacco Program) Benefits Annual Enrollment 14 To enroll, go to or call

15 Hawaii Full-Time Hourly and Salaried Associates 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 dependents, 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 Annual Enrollment 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, which is provided annually to all associates. 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 Homer TLC, Inc. All rights reserved. Your Benefits Resources is a trademark of Hewitt Management Company LLC. 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 GU PT GUIDE Benefits Annual Enrollment To For enroll, help, go to or call

Your 2012 Benefits ORIENTATION GUIDE. For Permanent Guam Part-time Hourly, Full-time Hourly and Salaried Associates

Your 2012 Benefits ORIENTATION GUIDE For Permanent Guam Part-time Hourly, Full-time Hourly and Salaried Associates YOUR KEY BENEFITS AND HR RESOURCES Your Benefits Resources Benefits Information Website