Retirement

At Lowe's, we work hard to provide meaningful, rewarding career opportunities for our employees. We also understand that your future is full of plans and dreams, beyond the accomplishment of your career goals. That's why we provide employees with valuable retirement benefits, including:

Lowe's Stock Purchase Plan
Lowe's 401(k) Plan

Lowe's Stock Purchase Plan

Eligibility: All regular full-time employees on June 1 or December 1 on or after first day of employment; regular part-time employees on June 1 or December 1 on or after one year of service.

Lowe's allows employees to purchase the Company's common stock at a discounted price. Participants in the Plan may contribute a flat amount or percentages up to 20% of base pay on an after-tax basis through the convenience of payroll deduction.

The Plan has two six-month offering periods each year, beginning on June 1 and December 1. Participant contributions made during the six-month offering period purchase stock at a 15% discount off the closing price of Lowe’s stock on the last day of the offering period.
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Lowe's 401(k) Plan

Eligibility: All employees are eligible 6 months from original date of hire. Eligibility for the Company Match begins 6 months from original date of hire.

Lowe's 401(k) Plan is another benefit designed to help you plan for and invest in your future. Participation in this Plan allows employees to save from 1-50% of eligible compensation (not to exceed $17,000*, or $23,000* for employees age 50 and above, in calendar year 2013*) on a pre-tax basis through the convenience of payroll deductions.

* This amount will be adjusted by the IRS from time to time.

Once eligible, employees may elect to participate.

Lowe’s matches the first 3% deferred each pay period at 100%.  Savings at 4-5% of eligible compensation will be matched at 50% and 6% is matched at 25% for a total Company Match of 4.25%.

Plan participants may choose among 21 professionally managed funds as well as Lowe's stock for investment of savings. Choices include a stable value fund, a bond fund, U.S. large capitalization equity funds, U.S. mid capitalization equity funds, small capitalization equity funds, an international equity fund as well as retirement date funds.

Participants are immediately 100% vested in their savings, Lowe’s matching contributions, and all earnings on their account. A participant's entire account balance is payable in full 30 days after termination.
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Lowe’s is an equal opportunity affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, or disability.

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