FUTUREBUILDER 401(K) PLAN FACTS AND QUICK …

1 SaLarieD & FULL-TiMe HOUrLY aSSOCiaTeS TO enrOLL, gO TO ; FOr HeLp, CaLL 1-800-555- 4954 FUTUREBUILDER 401(K) plan FACTSAND QUICK LINKSMAIN MENU for BENEFITS SUMMARYMAIN MENU for THIS CHAPTERCONTACT LISTSEARCH285 Cool FUTUREBUILDER Features You Contribute to FUTUREBUILDER through Convenient PayrollDeductions. You Can Have Your Contribution Automatically Increased by1% Each Year. You ll Lower Your Tax Bill When You Make Before-TaxContributions. You also can make Roth after-tax contributions. The Company Match Puts Free Money in Your FutureBuilderAccount. Once you ve completed one year of service with The HomeDepot (at least 1,000 hours in a 12-month period), you ll begin receivingmatching contributions on the first 5% of pay you save throughFutureBuilder.

2 You Invest Your Account Your Way. You can: Let the professionals invest your account by choosing a LifePathPortfoliobased on your projected retirement age; or Make your own investment decisions among the plan s core funds orthrough the self-directed brokerage window. Get Free Investment Professional Investment AdviceThrough Financial Do I Enroll in FUTUREBUILDER ?To enroll, from to the Your BenefitsResourceswebsite and select Savings & Retirement. Or, callthe Benefits Choice Center at 1-800-555-4954. You can enrollanytime. QUICK Links to Frequently Used FUTUREBUILDER Info How do I enroll in FUTUREBUILDER ? What investment funds are available throughFutureBuilder? How do I change my investments? How does the Company match work? Can I withdraw money from my FutureBuilderaccount?

3 I m retiring and want a final distribution of my account. Your FUTUREBUILDER OptionFUTUREBUILDER 401(K) plan QUICK FACTS AND QUICK LINKSF utureBuilderContactsYou can contribute:Up to a maximum of:1% to 50% of your pay as: Before-tax contributions; and/or Roth after-tax contributions.$18,000(in 2015) SALARIED & FULL-TIME HOURLY ASSOCIATES TO ENROLL, GO TO ; FOR HELP, CALL Salaried & Full-Time Hourly AssociatesFUTUREBUILDERCHAPTER CONTENTSMAIN MENU for BENEFITS SUMMARYMAIN MENU for THIS CHAPTERCONTACT LISTSEARCH286287 What Is FUTUREBUILDER ?287 Who s Eligible?288 How to Enroll288 What Is Considered Eligible Compensation?289 Changing Your Contribution Rate and Investment Elections 289 Choosing a Beneficiary289 Financial Engines Investment Advisory Services290 Contributions to FutureBuilder290 Your Contributions290 Before-Tax Contributions290 Tax Savings Comparison290 Roth After-Tax 401(k) Contributions291 Comparison of Traditional Before-tax 401(k) Contributions and Roth After-tax 401(K) Contributions291 Catch-up Contributions If You Are Age 50 or Older292 How the Company s Matching Contribution Works293 Calculating the Company Match293 Rollover Contributions293 If You Are on Military Leave294 How Your Contributions and Company Matching Contributions are Invested294 Savings Limitations294 FutureBuilding Vesting Schedule295 What Is Vesting?

4 295 What Is a Break in Service?296 Your Investment Options297 BlackRock LifePath Portfolios297 LifePath Retirement Portfolio297 LifePath 2020 Portfolio298 LifePath 2025 Portfolio298 LifePath 2030 Portfolio299 LifePath 2035 Portfolio299 LifePath 2040 Portfolio300 LifePath 2045 Portfolio300 LifePath 2050 Portfolio301 LifePath 2055 Portfolio301 FUTUREBUILDER Core Funds301 Stable Value Fund302 Bond Fund302 Balanced Fund303 Large Cap Value Fund303 Large Cap Index Fund303 Large Cap Growth Fund304 Mid Cap Value Fund304 Mid Cap Growth Fund304 International Fund305 Small Cap Value Fund305 Small Cap Growth Fund306 Home Depot Stock Fund306 Notice of Your Rights Concerning Employer Securities306 Your Rights Concerning Home Depot Stock306

5 The Brokerage Window: Schwab PCRA307 Different Investments Carry Different Risk and Return307 Trading Restrictions308 FUTUREBUILDER Investment Expenses309 Notice of Importance of Diversification309 Keeping Track of Your Account309 FUTUREBUILDER Statements310 Confirmation of Your Transaction310 Accessing Your plan Balance310 Loans from Your Account311 Hardship Withdrawals312 In-Service Withdrawals313 Military Leave Distributions313 Final Distributions of Your Account314 Tax Considerations315 Home Depot Stock315 Rollovers315 How to Obtain Additional Information315 Dividends316 Forfeitures316 When Benefits Are Not Paid316 Right to Amend or Terminate the Plan316 Implied Promises316 Limiting Liability316 Your Rights Under ERISA319 Glossary of

6 Investment SaLarieD & FULL-TiMe HOUrLY aSSOCiaTeS TO enrOLL, gO TO ; FOr HeLp, CaLL 1-800-555- 4954 MAIN MENU for BENEFITS SUMMARYMAIN MENU for THIS CHAPTERCONTACT LISTSEARCHFUTUREBUILDER287 What Is FUTUREBUILDER ?The sooner you begin contributing to FUTUREBUILDER ,the longer your money has to grow. Through theplan, you can generally save anywhere from 1% to 50% of your pay, subject to certain limitations. For 2015, the irS considers an associate whoearned $115,000 in 2014 to be a highly compensat-ed employee (HCe). HCes can contribute between1% and 12%. The plan s administrative Committeemay adjust the maximum contribution percentagefrom time to time. For example, the administrativeCommittee increased the HCe maximum contribu-tion rate from 11% to 12% on October 23, contribution limit will be referred to as the HCe limit subsequently in this chapter.

7 For moreinformation, go to the Your Benefits Resourceswebsite or call the Benefits Choice an incentive to save, the Company adds $ to your account for every $1 you save on the first1% of your pay, and 50 cents for every additional $1 you save from 2% to 5% of your pay. Companymatching contributions begin the first day of thecalendar quarter beginning on or after the earlier of(a) the date you complete one year of employmentduring which you worked at least 1,000 hours in theprevious 12-month period; or (b) the date you com-plete two years of employment (regardless of thenumber of hours worked), if you enrolled make the investment decisions for youraccount. You can invest your account in the follow-ing three tiers to develop your investment portfolio: Tier One: Blackrock Lifepath portfolios; Tier Two: FUTUREBUILDER s core funds; and Tier Three: The Schwab personal Choiceretirement account (pCra), a self-directed brokerage have direct access to your account informationby accessing the Your Benefits Resourcesweb-site or by calling the Benefits Choice Schwab for information about your broker-age you leave the Company, you re entitled to the vested balance you ve earned in FUTUREBUILDER .

8 You always have ownership of the money you putinto FUTUREBUILDER , including your before-tax, rothafter-tax 401(k) and rollover s Eligible?associates (other than those classified by theCompany as temporary employees) are eligible toparticipate in the plan after completing 90 days ofservice. if you are employed by the Company when90 days have passed since you were first hired,you are eligible to make before-tax and/or rothafter-tax contributions, without regard to any inter-vening termination, leave of absence, reemploy-ment, matching contributions begin the first dayof the calendar quarter beginning on or after thedate you complete one year of service (at least1,000 hours in a 12-month period), if you haveenrolled in do you need?

9 Find it building your future by enrollinggo to call the Benefits Choice Center at 1-800-555-4954 Stay on top of your future by tracking your account performanceIncrease or decrease your contribution rateApply for a loanComplete beneficiary electionGet the Most Value from Your SALARIED & FULL-TIME HOURLY ASSOCIATES TO ENROLL, GO TO ; FOR HELP, CALL 1-800-555-4954 MAIN MENU for BENEFITS SUMMARYMAIN MENU for THIS CHAPTERCONTACT LISTSEARCHFUTUREBUILDER288If you do not work at least 1,000 hours during yourfirst 12 months of employment with the Company,your (other than those classified as temporaryassociates) Company matching contributions willbegin the first day of the calendar quarter followingthe earlier of (a) 1,000 hours of service during anyplan year (January 1 December 31) or (b) twoyears of employment (regardless of the number ofhours worked) after you become employed by theCompany.

10 For purposes of calculating the two yearsof service in subsection (b) above, service is meas-ured beginning with your date of hire and includes allperiods you were paid including sick time, vacationtime and approved leaves of absence. It does notinclude periods you were classified as terminated bythe are credited with hours of service for the calen-dar year in which you receive compensation forthose hours. For example, you were not paid forsome of the hours you worked in December 2014until the January 2015 payroll. Because you werepaid for those hours in January 2015, you willreceive credit for those hours in 2015, even thoughyou worked those hours in eligible, you can begin participating at anytime. If you don t enroll once you become eligible,you can enroll anytime thereafter.