2019 HOME DEPOT GUIDE FOR FULL-TIME HOURLY AND SALARIED ASSOCIATES LIVING IN U.S.V.I.

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1 2019 HOME DEPOT BENEFITS ANNUAL ENROLLMENT GUIDE FOR FULL-TIME HOURLY AND SALARIED ASSOCIATES LIVING IN U.S.V.I.

2 TOP THINGS TO KNOW FOR 2016 ANNUAL ENROLLMENT DON T MISS YOUR 2019 ANNUAL ENROLLMENT MARK YOUR CALENDAR NOV. 1 - NOV. 16 FOR DETAILS ON 2019 ANNUAL ENROLLMENT, visit livetheorangelife.com/aeisland BEGINNING NOV. 1, ENROLL BY LOGGING ON AT LIVETHEORANGELIFE.COM IMPORTANT: YOU WILL NEED YOUR PASSWORD. BE PREPARED Make sure you know your password before Nov. 1. You also can enroll by calling the Benefits Choice Center at between 9 a.m. and 7 p.m. ET, Mon. through Fri. Call volume may be heavy, so please be prepared for long wait times. YOUR 2018 BENEFIT ELECTIONS WILL CARRY OVER TO 2019 IF YOU DO NOT TAKE ACTION. An exception for full-time associates: Health Care/Dependent Care Spending Accounts To save money in a spending account you must make an active election for Spending account elections from 2018 will not carry over. LEARN MORE GO TO PAGE 2 COVERING A SPOUSE OR A CHILD IN A HEALTH CARE PLAN? You might need to provide documentation to verify their eligibility. LEARN MORE GO TO PAGE 8 PLEASE NOTE: Annual Enrollment is your time to review and make changes to your benefits. Don t miss out. After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for USVI Full-time Hourly and Salary Associates located on livetheorangelife.com/aeisland. 1

3 2019 MEDICAL PLAN OVERVIEW THE CIGNA MEDICAL PLAN YOU CAN RECEIVE CARE FROM ANY PROVIDER AND RECEIVE FULL BENEFITS FOR COVERED SERVICES. However, if you use a Cigna Open Access provider, you can pay a copay for many services with no claim form needed. For information on Cigna Open Access providers, go to mycigna.com or call YOU CAN RECEIVE CARE IN THE UNITED STATES FROM ANY PROVIDER AND FULL BENEFITS WILL BE PAID FOR ELIGIBLE EXPENSES. A QUICK LOOK AT THE U.S. VIRGIN ISLANDS CIGNA MEDICAL PLAN Deductible $0 Out of Pocket Maximum Preventive Care Inpatient Hospital per admission Primary Care Physician Specialist Prescription Drug, Generic, 30 day supply YOU PAY $6,350 individual; $12,700 family 100% covered 100% covered after $50 copay $15 copay $15 copay $5 copay HEALTH CARE SUPPORT TEAM (HCST) The HCST can help you navigate health care. They can: Provide an expert medical opinion Help with medical billing questions Provide medical advice Find the best provider for you Talk to you about a condition or treatment plan LIVETHEORANGELIFE.COM/HCST 2019 MEDICAL BIWEEKLY PAYROLL DEDUCTIONS ASSOCIATE ONLY SPOUSE CHILDREN FAMILY Cigna $77.00 $ $ $ 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 weekly payroll deductions, take the biweekly payroll deductions and divide by 2. LIVETHEORANGELIFE.COM/USVIMEDICAL 2

4 CRITICAL ILLNESS PROTECTION CRITICAL ILLNESS PROTECTION FEATURES 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 below for a complete list of covered conditions. The plan is administered by Allstate Benefits. BENEFITS ARE PAYABLE ONLY FOR CONDITIONS DIAGNOSED AFTER YOUR COVERAGE UNDER THE PLAN BEGINS. 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 OPTIONS 1 2 $5,000 $10, $20,000 $30,000 PAYROLL DEDUCTIONS FOR THIS BENEFIT WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION. A QUICK LOOK AT CRITICAL ILLNESS PROTECTION PLAN PAYS 100% OF BENEFIT AMOUNT FOR: PLAN PAYS 25% OF BENEFIT AMOUNT FOR: PLAN PAYS UP TO $75 PER CALENDAR YEAR FOR EACH COVERED PERSON FOR ONE OF THE FOLLOWING ELIGIBLE WELLNESS SERVICES: Heart attack Stroke Invasive cancer Heart transplant Lung transplant Liver transplant Pancreas transplant Kidney transplant Bone marrow transplant End stage renal failure Paralysis Complete blindness Complete loss of hearing Coma Benign brain tumor Alzheimer s Disease A covered person can receive benefits for each of the above critical illnesses if the dates of diagnosis for each critical illness are separated by at least 90 days. Coronary artery bypass surgery Carcinoma in situ Amyotrophic lateral sclerosis (Lou Gherig 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 Electrocardiogram (EKG, including stress EKG) Flexible sigmoidoscopy Hemocult stool analysis Lipid panel (total cholesterol count) Mammography, including breast ultrasound Pap Smear, including ThinPrep Pap Test PSA (prostate specific antigen 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 18 years of age) Immunizations Non-melanoma Skin Cancer Benefit Transportation Benefit Lodging Benefit $250 benefit paid for skin cancer diagnosis of basal or squamous cell carcinoma. Melanoma and other invasive skin cancer are paid under the carcinoma in situ or invasive skin cancer benefits described above. Benefit is payable once every 365 days. 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 100 miles from place of residence. $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. 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 more than 12 months after the first date of diagnosis for the Reoccurrence Benefit critical illness, and for the cancer critical illness benefits, the covered person must have had no symptoms nor received any treatment during the 12 months after the prior occurrence. NOTE: Your payroll deductions are based on age and tobacco-user status. Because of this variability, they will be available during your personalized enrollment session. 3 LIVETHEORANGELIFE.COM/CIPP

5 DENTAL IN-NETWORK DENTAL FEATURES DENTAL CHECK-UP 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 DENTAL OPTIONS 1 MetLife $500 Max 2 MetLife $1,000 Max 3 MetLife $2,000 Max SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE DENTAL PLAN OPTIONS METLIFE $500 MAX METLIFE $1,000 MAX METLIFE $2,000 MAX Preventive Care (2 cleanings per year) $0 $0 $0 Annual Deductible (applies to restorative care and orthodontia) Basic Restorative (fillings, oral surgery, root canals, periodontics) $25 $50 $50 30% 25% 20% Major Restorative (crowns, bridges) Not covered 60% 50% Orthodontia (braces) Not covered 50%, up to $750 lifetime maximum per covered dependent child 50%, up to $1,500 lifetime maximum per covered dependent child 2019 DENTAL BIWEEKLY PAYROLL DEDUCTIONS ASSOCIATE ONLY SPOUSE CHILDREN FAMILY 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 $ LIVETHEORANGELIFE.COM/DENTAL

6 VISION IN-NETWORK VISION FEATURES FREE VISION EXAMS The plan covers one free eye exam every 12 months. NEW FOR 2019 Retinal imaging is now free. DISCOUNTS ON LASER VISION CORRECTION PAY LESS FOR GLASSES AND CONTACTS AT EYEMED SELECT PROVIDERS IN-NETWORK PROVIDERS VISION OPTIONS 1 2 EyeMed Select $120 EyeMed Select $150 LIVETHEORANGELIFE.COM/VISION SHOWS WHAT YOU PAY FOR ASSOCIATE ONLY IN-NETWORK COVERAGE VISION PLAN OPTIONS EYEMED SELECT $120 EYEMED SELECT $150 Disposable Contact Lenses Any remaining balance after plan pays $120 Any remaining balance after plan pays $150 Frames 80% of remaining balance after plan pays $120 (once every 24 months) 80% of remaining balance after plan pays $150 (once every 12 months) Lenses $15 copay $0 copay Lens Options Coverage Some covered, others available at a discount Covered in full 2019 VISION BIWEEKLY PAYROLL DEDUCTIONS ASSOCIATE ONLY SPOUSE CHILDREN FAMILY EyeMed Select $120 $2.32 $4.06 $4.20 $7.03 EyeMed Select $150 $8.99 $16.08 $16.84 $

7 SPENDING ACCOUNTS TAKE ACTION IF YOU DO NOT ACTIVELY ENROLL, YOU WILL NOT HAVE A SPENDING ACCOUNT IN A QUICK LOOK AT THE SPENDING ACCOUNTS Health Care Spending Account Dependent Care Spending Account IN 2019 YOU CAN CONTRIBUTE: $260 minimum up to $2,650 maximum $260 minimum up to $5,000 maximum FOR ELIGIBLE EXPENSES YOU INCUR BETWEEN: January 1, 2019 March 15, January 1, 2019 December 31, IF YOU CONTRIBUTE $1,000/YEAR ($38 BIWEEKLY) TO AN ACCOUNT, YOU LL SAVE AT LEAST: $ a year $ a year 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 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 12% tax bracket and you also pay the 7.65% Social Security/Medicare tax, you could save as much as 19.65% on expenses you pay for through the accounts. If you pay a state income tax or are in a higher tax bracket, you ll save even more. IF YOU DO NOT USE THE MONEY IN YOUR SPENDING ACCOUNT BY THE DEADLINE, YOU WILL LOSE THE MONEY BE SURE TO SPEND WHAT YOU HAVE SAVED SPENDING ACCOUNTS BIWEEKLY PAYROLL DEDUCTIONS Health Care Spending Account You can contribute biweekly up to: Dependent Care Spending Account You can contribute biweekly up to: $ $ NOTE: Annual calendar year IRS limits apply. LIVETHEORANGELIFE.COM/SPENDINGACCOUNTS 1 After the 2019 Annual Enrollment Period, you will not be able to make a change unless you experience a Qualifying Life Event as described in the Benefits Summary for U.S. Full-time Hourly and Salary Associates located on livetheorangelife.com. 2 Deadline to submit eligible expenses for reimbursement is April 30,

8 MORE VALUABLE BENEFITS DURING YOUR ENROLLMENT SESSION, TAKE A LOOK AT THESE BENEFITS LIFE INSURANCE METLAW LEGAL PROGRAM BASIC LIFE SUPPLEMENTAL LIFE SPOUSE LIFE CHILD LIFE LIVETHEORANGELIFE.COM/LIFEINSURANCE COVERED SERVICES SUCH AS WILLS AND TRAFFIC ISSUES ARE FREE WHEN YOU USE LIVETHEORANGELIFE.COM/METLAW A NETWORK ATTORNEY. IF YOU ENROLL, YOUR SPOUSE AND CHILDREN CAN ALSO USE THE PLAN. DISABILITY SHORT-TERM DISABILITY LONG-TERM DISABILITY ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) ASSOCIATE-ONLY AD&D FAMILY AD&D LIVETHEORANGELIFE.COM/DISABILITY LIVETHEORANGELIFE.COM/ADD FUTUREBUILDER 401(K) SAVINGS PLAN LOWER YOUR TAX BILL TODAY WHILE SAVING FOR TOMORROW WITH BEFORE-TAX LIVETHEORANGELIFE.COM/FUTUREBUILDER CONTRIBUTIONS. ONCE YOU RE ELIGIBLE, YOU LL BEGIN RECEIVING MATCHING CONTRIBUTIONS ON THE FIRST 5% OF PAY YOU SAVE THROUGH FUTUREBUILDER. LEARN ABOUT OTHER BENEFITS THAT CAN SUPPORT YOU AND YOUR FAMILY, VISIT LIVETHEORANGELIFE.COM/BENEFITS4U PAYROLL DEDUCTIONS FOR THESE BENEFITS WILL BE AVAILABLE DURING YOUR ENROLLMENT SESSION. 7

9 TAKE ACTION YOUR ACTION IS NEEDED BEGINNING NOV. 1, ENROLL BY LOGGING ON AT LIVETHEORANGELIFE.COM MOST 2018 BENEFITS WILL CARRY OVER TO 2019 EXCEPT: PLAN Health Care and Dependent Care Spending Accounts ACTION NEEDED: You must actively enroll to contribute to the Health Care or Dependent Care Spending Accounts in elections will not carry over. COVERING A SPOUSE OR CHILD IN A 2019 MEDICAL PLAN? ARE YOU... Adding a spouse or child onto Medical coverage in 2019 that was not enrolled in 2018? Continuing Medical coverage for a spouse in 2019 that was enrolled in 2018? ACTION NEEDED: You will need to provide the required documentation within 45 days of completing your enrollment. More information will be available after your enrollment regarding the types of required documentation or visit livetheorangelife.com/da. Your required documentation will be due Friday, Feb. 15, To learn more, visit livetheorangelife.com/sa. 8

10 NO HABLA O LEE INGLÉS? Por favor llame al Benefits Choice Center (Centro de Opción de Beneficios) al y diga Estados Unidos para hablar con un representante en español. The Summary of Benefits and Coverage (SBCs), which lets you easily compare the different medical options, is posted online at livetheorangelife.com/sbc. A paper copy is available through the Benefits Choice Center at The benefits information in this Enrollment Guide is provided as a service to associates. In the event of a conflict between the information provided in this 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 Health & Welfare and FutureBuilder Summary Annual Reports have been posted to livetheorangelife.com under Contacts & Documents. The annual Medicare Part D notice has also been posted to livetheorangelife.com under Contacts & Documents and a paper copy can be requested by calling the Benefits Choice Center at _AE GUIDE USVI FT