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Home My WebLink About12-2028Burton Neil & Associates, P.C. By: Edward J. O'Brien, Esquire ID. NO. 32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 (610) 696-2120 Attorney for Plaintiff CITIBANK, N.A. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. KELLY GOODLING 395 Alison Ave Mechanicsburg PA 17055-4202 Defendant T fn ry , ;, IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. la- a0a,8 Oivil'Ferm CIVIL ACTION - LAW Complaint - Notice You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within (20) days after this complaint and notice are served, by entering a written appearance personally or by attorney and filing in writing with the court your defenses or objections to the claim set forth against you. You are warned that if you fail to do so, the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERENCE AND INFORMATION SERVICE Cumberland County Bar Assoc. 32 South Bedford Street a Carlisle, PA 17013 4103.75 PD AT" Telephone No. 717-249-3166 or 800-990-9108 0-#117530 C-57029 / 304 e ?731g8 BURTON NEIL & ASSOCIATES, P.C. Edward J. O'Brien, Esquire, Id. No. 32985 Brit J. Suttell, Esquire, Id. No. 204140 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff V. KELLY GOODLING 395 Alison Ave Mechanicsburg PA 170554202 Defendant : IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. : CIVIL ACTION -LAW Complaint 1. Plaintiff is CITIBANK, N.A. with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. Defendant is Kelly Goodling who resides 395 Alison Ave, Mechanicsburg, Cumberland County, Pennsylvania. 3. Plaintiff is a national banking association, engaged in various types of banking business including consumer lending through the issuance of credit cards. 4. Defendant obtained extensions of credit from Citibank, N.A., successor in interest to Citibank (South Dakota), N.A., by means of a Home Depot credit card account (hereafter the Account) with account number ending in 2749. 5. Citibank (South Dakota), N.A. merged into Citibank, N.A. in or about July 2011. 6. Accurate records of all debits and credits to the Account were maintained by plaintiff. 7. Defendant was provided with monthly statements for the Account including the billing statement attached hereto as Exhibit A (redacted to remove confidential information). The monthly statements accurately stated the previous balance and the debits and credits to the Account for the prior billing period. 8. Defendant had for many months after receipt of a billing statement made payment on the Account or retained the statement without payment. 9. Defendant retained the Exhibit A statement without making payment by the stated due date. 10. Defendant's assent to the Account balance set forth in the Exhibit A statement is manifested through the prior conduct of defendant either making payment on the Account or retaining the statement without payment, after receipt of the monthly billing statements. 11. As a result of said assent, an account stated for the sum of $4,60697 exists which sum reflects the Exhibit A statement balance less credits, if any, which were applied subsequent to the date of Exhibit A. Wherefore, plaintiff demands judgment against defendant for the sum of $4,606.97, and the costs of this action. Burton Neil & Associates, P.C. ZYBF/d ward J. O'Brien, Esquire Brit J. Suttell, Esquire In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. C-57029 / 205 Account Statement Loov Customer Service: myhomedepotaccou nt. corn Account Inquiries: 1-866-458-7683 Send Notice of Billing Errors and Customer Service Inquiries to: HOME DEPOT CREDIT SERVICES PO Box 790328 St Louis, MO 63179 Account Ntmtbein -- - 2T4$ Summa of Account Activity Previous Balance $4,490.03 Payments -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +$35.00 Interest Charged +$81.94 New Balance Past Due Amount $4,606.97 $774.00 Credit Limit $0.00 Available Credit $0.00 Statement Closing Date 12/16/2011 Next Statement Closing Date 01/17/2012 Days in Billing Cycle 30 Your minimum payment due is $937.00. To avoid interest charges, pay $4,606.97 by rRegister now for Paperless January 13, 2012 (residual interest may apply), Statements and more at myhomedepotaccourst.com It's not too late. We may have the right tools to help you bring your account current. Take advantage of our experience with resolving situations similar to yours. However, it is urgent that you call us today to discuss) Please contact us at 1-866-752-0874, visit us online at m omedepotaccount.com, or go to your local The Home Depot store. It's amazing how much brighter the season can be when your past due amount is behind you. Taking care of your past due amount now can help you enjoy the season. Bringing your account current M helps you avoid future late fees. Call 1-886-618-6168 now and our trained Account Specialists will holp you explore your payment options. Having an up-to-date account will help brighten your season. So call us today. We're here to help you. 8HD10 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pagel of 4 This Account Is Issued by Citibank, N.A. ----------------------------------------------------------------------------------------------------------------------------- 't' Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. + Make Checks Payable to: HOME DEPOT CREDIT SERVICES t Past Due Amount is included in the Minimum Payment Due. Your Aecourit,Number Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed 2748 JANUARY 13, 2012 $4,606.97 $774.00 $937.00 $ 2749046069700042000093700108 EXHIBIwI KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055-4202 Information New Balance $4,606.97 Minimum Payment Due $937.00 Payment Due Date January 13, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 4 ""r ??"Xr"Art?'.?"Tl?y t 7? ? .9., . . ??^'7`1±t1 { ?r Qn4+ an-". e'ttl?k.?KR?Fr Only the minimum payment 23 years $10,802 $176 3 years $6,333 (Savings=$4,469) If you would like information about credit counseling services, call 1-877-337-8188. HOME DEPOT CREDIT SERVICES PO BOX 182676 COLUMBUS, OH 43218-2676 Information About Your Account. . How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a gee period on purchases. If you do not pay the New Balance in full by the payment due date, you wilt not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. If you have a balance subject to a deferred interest or 0% APR promotion and that promotion does not expire before the payment due date, that balance (the 'excluded balance") is excluded from the amount you must pay in full to get a grace period. In addition, If you have a major purchase plan balance, that balance (the "excluded balance ) is excluded from the amount you must pay in hill to get a grace period. However, you must still pay any separately required payment on the excluded balance. In billing cycles In which payments are allocated to deterred Interest balances first, the deferred interest balance will be reduced before any other balance on the account. However, you will continue to gut a grace period on purchases so long as you pay the New Balance less any excluded balances In full by the payment due date each billing cycle. We may refer to deterred interest promotions as No Interest promotions. In addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not describeed above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. it either is the one, the promotional offer will describe what happens. How We Calculate Your Balance Subject to Interest Rate. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method (including current transactions)j to calculate interest charges. For Methods I and L, we use an average daily balance method (Inciuding current transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current transactions) to calculate interest charges. To find out more information about the balance computation method that appiles to your account and how the resulting Interest charges were determined, contact us at Customer Service number on the front. Credit Reporting Disputes. If you think we reported inaccurate infomration to a credit bureau write us at the Customer Service address shown on the front. Report a Lost or Stolen Card Immediately. Call the Account Inquiries number shown on the front. What To Do H You Find A MiWke On Year Ststament It you think there is an error on your statement, write to us at the address for billing inquiries and correspondence shown on the front of your statement. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount-The dollar amount of the suspected error. • Description of problem: ff you think there is an error on your bill, describewhat you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • At least 3 business days before an automated payment Is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors In writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question, What Will Happen Alter We Receive Your Le[tar When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • We cannot fry, to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • White you do not have to pay the amount In question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If ws made a mistake: You will net have to pay the amount in question or any interest or other fees related to that amount • if a do not bolkve them was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the dale payment is due. We may then report you as delinquent it you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled bin en us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your Rights R You Are 01cratisfled Ill Your Credll Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have ifisd in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or it we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality, 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address for billing inquiries and correspondence shown on the front of your statement. While we investigate, the same rules apply to the disputed amount as discussed above, After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may repot you as delinquent. KEY CREDIT TERMS - NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS'. $299 minimum purchase required. Minimam payments required. Interest will be charged to your account from the purchase date If the porches@ balance (Including premiums for optional credit Insurance) is not paid In full within 6 months or K you make a Into usyment. 'With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card, 17.99% - 26.99% APR. Minimum Interest charge: $2. See card agreement for details fnciuding APR applicable to you. Offer is only valid for consumer accounts and is subject to orange without notice. Important Payment Instructions. Right to Prepay Your Account. You may pay all or part of your account balance at any time. However, you must pay, by the payment due ate, at least the minimum payment due. Credit nil Payments. if we receive your mailed p in pro?r form at our processing facilityby 5 p.m. local time there, it col li be credited as of that r A paymamf received there In proper form offer th at time will 6e credited as of the next day, Allow 5 to 7 days for payments try regular mail to roach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form the correct address. The correct address for regular malt is the address on the front of or is not sent to the payment coupon. The correct address for courier or express mail is the Express Payments Address shown below. Proper Form. For a payment sent by mail or courier to be in proper form, you must: • Enclose a valid check or money order made payable to Home Depot Credit Services. No cash, gift cards, or foreign currency please. • Include your name and account number on the front of your check or money order. Ii you send an eligible check with this payment coupon, you authorize us to complete your payment by electronic debit. If we do, the checking account will be debited in the amount on Ste check. We may do this as soon as the day we receive the check. Also, the check will be destroyed. Eopy Fee. We charge $5 for each copy of a billing statement that dates back 3 months or more. We add the fee to a balance of our choosing. We reserve the right to add this fee to balances subject to a higher annual percentage rate. We waive the fee if your request for the copy relates to a billing error or disputed purchase. Payment Options Other Irian Regular Mail. • Online Payments. Visit myhmnedepotaccountcom and sign up for free online payments. Enrollment may take a few days. it we receive your request to make an online payment by 5 p.m. Easter lime, we will credit your paymrent as of that day and it will post within three business days. If we receive your request to make an online payment after that time, we will credit your payment as of the next day and it will post within three business days. For security reasons, you may be unable to pay your entire New Balance with your first online payment. • Pay by Phone Service. You may use this service any time to make a payment by phone, if your account is eligible. You will be charged $14.95 to use this service if a representative of ours helps expedite your payment. Call by 5 p.m. Eastern time to have your payment credited as of that day and posted within three business days. If you call after that time, your payment will be credited as of the next day and posted within three business days. We may process your payment electronically after we verity your identity. + Express Payments. You can send payment by courier or express mail to the Express Payments Address. This address is: Customer Service Center, Attention: Payment Mail Opening, 1500 Boltantleld SL, Columbus, OH 43228. Payment must be received in proper form at the proper address by 5 p.m. Eastern time to be credited as of that day. All payments received in proper form at the proper address after that time will be credited as of the next day. • in-Store Payments. For your added convenience, payments can be made at The Home Depoto stores, with no service fee, Any payment in proper form accepted in-store will be credited as of that day. However, credit availability may be subject to verification of funds. T01641-9196-0400-0002-E-40-D--06/01/11-98-000-P--0--5-6-0---06113/11-H27B-November 16, 2011-0 N--- HDIEX DEC11 Pane 2 of 4 Account' **** **** ***' 2749 TRANSACTIONS Trans Date Description Reference # Amount FEES 12/13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD $ 35.00 INTEREST CHARGED 12/16 INTEREST CHARGE ON PURCHASES $ 81.94 TOTAL INTEREST FOR THIS PERIOD $ 81.94 X L?' Total Fees Charged in 2011 $200.00 Total Interest Charged in 2011 $472.55 INTEREST CHARGE CALCULATION j Your Annual Percentage Rate (APR) is the annual interest rate on y?o+uyr account "A WWWWW" 'URCHASES Revolving Balance 21.99% (M) $4,534.14 $81.94 Panes A of d Account: **** **** **** 2749 Paae4of4 Verification 1, Tyne Reynolds , am employed by Citibank, N.A. (hereafter Citibank), which is successor in interest to Citibank (South Dakota), N.A. This includes accounts previously owned by Citibank (South Dakota), N.A. which merged into Citibank in or about July 2011. I am authorized to make this verification on behalf of Citibank. The statements of facts set forth in the Complaint are true and correct upon my information and belief and are made subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Signature C-57029 Kelly Goodling Account number ending 2749 1025 Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor SHERIFF'S OFFICE OF CUMBERLAND COUNTY ?'51€2 APP 19- AI, 1i 8*- L, l Citibank, NA Case Number vs. Kelly Goodling 2012-2028 SHERIFF'S RETURN OF SERVICE 04/05/2012 01:03 PM - Michelle Gutshall, Deputy Sheriff, who being duly sworn according to law, states that on April 5, 2012 at 1303 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kelly Goodling, by making known unto herself personally, at 395 Alison Avenue, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to her personally the said true and correct copy of the same. SHERIFF COST: $38.00 April 09, 2012 MICHELLE GUTSHALL, DEPUTY SO ANSWERS, RON R ANDERSON, SHERIFF 4 Z:`PD`,P.td\GCOdiing,Kelly Citibank, h.A.wpd FILEO-OF -161L x.: a CITIBANK, N.A., 2012APR : IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA CU SYLVAN A ; 4 v. PE PEN : NO. 2012-2028 CIVIL TERM KELLY GOODLING, : CIVIL ACTION - LAW Defendant ANSWER AND NOW comes the Defendant, KELLY GOODLING, by and through her attorneys, Stone LaFaver & Shekletski, and sets forth the following answer to Plaintiff's complaint. 1. Denied. Defendant is without knowledge to admit. or deny the allegations of paragraph 1 and proof thereof is demanded at trial. 2. Admitted. 3. Denied. Defendant is without knowledge to admit or deny the allegations of paragraph 3 and proof thereof is demanded at trial. 4. Denied. Defendant is without knowledge to admit or deny the allegations of paragraph 4 and proof thereof is demanded at trial. 5. Denied. Defendant is without knowledge to admit or deny the allegations of paragraph 5 and proof thereof is demanded at trial. 6. Denied. Defendant is without knowledge to admit or deny the allegations of paragraph 6 and proof thereof is demanded at trial. 7. Admitted and denied. It is admitted that Defendant was provided a copy of Exhib't A. It is denied that. the monthly statement accurately states the balance due. 8. Admitted. 9. Admitted. -1- 10. Denied. It is denied that Defendant assented to the Account balance by prior conduct. 11. Denied. It is denied that as result of any assent the account stated exists or correctly reflects the balance due. WHEREFORE, Defendant demands judgment against Plaintiff together with fees and costs. Respectfully sul5tted, STONE LaFAVER E LETSKI By Davies o ?s uire I:. D. #39785 414 Bridge Street New Cumberland, PA 17070 Telephone: 717-774-7435 Attorneys for Defendant -2- V E R I F I C A T I O N KELLY GOODLING, states that she is the Defendant in the foregoing instrument and that she is acquainted with the facts set forth in the foregoing instrument; that the same are true and correct to the best of its knowledge, information and belief; and that this statement is made subject to the penalties of 18 Pa. C.S.A. §4904 relating to unsworn falsification to authorities. t .? By: KELLY 0 G . Date: 7(-t3-(-L 4 1 a- w9s CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing document has been served this 23 day of 2012, by First Class Mail, upon: Edward J. O'Brien, Esquire Brit J. Suttell, Esquire Burton Neil & Associates, P.C. 1060 Andrew Drive, Suite 170 West Chester, PA 19380 STONE LAFAVER & SHEKLETSKI BY: Davi . St ne Esquire 414 Bridge Stre t New Cumberland, PA 17070 Telephone: 717-774-7435 Attorneys for Defendant zQ _-C r:• ?C: © a -•.. +4 .,,,,,E ? y 4,~ ~ _ _ a._t P~9 ~Sf} Z -r;..~. F.++++'.' N ~,.i U V r ".T T ' 1~ - yP ~.+3 BURTON NEIL & ASSOCIATES, P.C. Burton Neil, Esquire Id. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Citibank CITIBANK, N.A. IN THE COURT OF COMMON PLEAS Plaintiff v. KELLY GOODLING CUMBERLAND COUNTY, PENNSYLVANIA NO. 12-2028 CIVIL TERM Defendant : CIVIL ACTION -LAW Citibank's Motion for Summary Judgment Now comes plaintiff, Citibank (South Dakota), N.A., by and through its undersigned attorneys, Burton Neil & Associates, P.C., and hereby moves under Pa. R. C. P. 1035.2 for summary judgment against defendant, Kelly Goodling, in the sum of $4,606.97, plus the costs of this action, and, in support thereof, avers as follows: 1. The pleadings, consisting of the complaint and answer, are closed. 2. Plaintiff served defendant with requests for admission which she did not answer. A true and correct copy of the requests for admission with proof of service is attached hereto, incorporated herein and marked Exhibit A. 4. Citibank's affidavit in support of summary judgment is attached hereto, incorporated herein, and marked Exhibit B. 5. There is no genuine issue of material fact which will require a trial. Therefore, plaintiff is entitled to summary judgment. Wherefore, plaintiff moves the Court to enter summary judgment pursuant to Pa. R. C. P. 1035.2 for it and against defendant, Kelly Goodling, in the sum of $4,606.97, plus the costs of this action. eil & Associates, P.C. n Neil, Esquire for Citibank In making this communication, we advise our firm 4s a debt collector. Burton Neil Edward J. O'Bricn Yale D. Weinstein Derek C. Blacker Brit J. Suttcll Ncil Sarker Trenton A. Farmer David H. Stone, Esquire 414 Bridge St PO Box E New Cumberland, PA 17070 LAW OFFICES BURTON NEIL & ASSOCIATES, P.C. 1060 ANDREW DRIVE, SUITE 170 WEST CHESTER, PENNSYLVANIA 19380 610-696-2120 Facsimile 610-696-4111 Email: Burton.neil(a3burt-law.com May'~,~, 2012 Z~ r Rcfcr to Filc # C-57029 ~) RE: Citibank; N.A. Successor in interest to Citibank (South Dakota), N.A./THE HOME DEPOT Account with Kelly Goodling Account number ending in 2749 Dear Mr. Stone I herewith serve upon you plaintiff s First Set of Requests for Admission, Interrogatories and Request for Production of Documents. EOB/amc NOTE: Citibank {South Dakota), N.A. merged into Citibank, N.A., effective July 1, 2011, as approved by the Office of the Comptroller of the Currency. Citibank, N.A. is successor in interest to~the account. In making this communication, we advise that our firm is a debt collector. EXHIBIT A- t V Certificate Of Mailing This c.nifate or Mailing provides eviderwe that mail ties teen preserved to usPs® ra maiNng: This lam may be used fa domestic and Irvemational mail. From: Burton Nell b Associates. P.C. 1060 Andrew Drive, Suite 170 West Chester. PA 19380 To: David H. Stone, Esquire 414 Bridge Street NewCumt~rland, PA _17070 PS Form 3817, April 2007 PSN 7530-02-000-9065 To pay fee, affa stamps or meter postage here. O16Ft26523251 .d $ 01.150 • ~ 05!2612012 = Haired From 19380 US P©STAGlE ~-~ - PostmarkH ;,1~n,~ Q`~ . N ..'9y~ ~ N a 4 u,~, ~ ,~ ., ,r • _ tij 18~~ C-57029 Burton Neil & Associates, P.C. By: Edwazd J. OBrien, Esquire ID. N0.32985 1060 Andrew Drive, Suite 170 ' West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITTBANK, N.A. Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. KELLY GOODLFNG Defendant NO. 12-2428 CNIL TERM CIVIL ACTION -LAW PLAINTIFF'S FIRST SET OF INTERROGATORIES Plaintiff, by its undersigned attorney, hereby serves these written interrogatories upon the defendant who is to furnish written answers within thirty (30) days after service of these interrogatories in accordance with the Pennsyh~ania Rules of Civil Procedure. The answers shall be inserted in the space provided after each of the interrogatories; please attach additional gages if more space is needed for the answers. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering party is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers. Full and complete answers of the interrogatories must be provided and signed by the party making the answers. Definitions When used in these Interrogatories and Documents Requests, the words or phrases below will mean the following: "Plaintiff" means Citibank, N.A. "Defendant," "you, "your," or "yours" means the person whose name and address appears above as the named defendant in this lawsuit. "Credit Card account" or "Credit Card" as used in these interrogatories is an open end credit The Home Depot arrangement issued to the defendant with account number whose last 4 numbers ended in -2749. "Document" means the original, all drafts and notes thereof, and all copies of any written, printed, recorded, charted, taped, graphic or magnetic matter (including, but not limited to, video tapes, audio tapes, and computer tapes and discs}, however produced, reproduced or prepared including email. This request applies to all documents in your possession, custody or control or in the possession, custody, or control, of persons acting or purporting to act on your behalf, including, but not limited to, your present and former agents, accountants, debt management companies and attorneys. interrogatories and Document Production Requests 1. State the name and address of the person who is answering these interrogatories and documents requests. 2. State the name and address of each and every person who assisted the person identified in the immediately prior interrogatory in any way in answering these interrogatories and documents requests. 3. Based on your records what is the amount, if any, you contend is owed on account whose last 4 numbers ended in -2749? 4. State the manner in which you calculated your immediately prior answer? Request for Production # 1 Produce all documents, letters, papers, contracts, agreements, drafts, tapes, cancelled checks, cash or money order receipts or writings of any kind on which you rely in support of the amount and calculation referred to in your two immediately prior answers. S. Identify the name, address and telephone number of each person defendant intends to call as a witness for the trial of this case. Request for Production No. 3 Produce ali documents, letters, papers or writings of any kind that you intend to introduce at trial. Request for Production No. 4 Produce all documents, letters, papers, contracts, agreements, drafts, cancelled checks, cash or money order receipts or writings of any kind on which you rely in support of the pleading you filed in this case. 8. State whether any of the witnesses you will call at trial will be called as expert witnesses. 9. If your answer to the immediately preceding interrogatory was "yes," state the name, address and telephone numbers of the each and every one of the person{s) who you will call at trial as expert(s). 10. State the subject matter on which each and every one of the person{s) you identified as expert(s) are expected to testify. 11. State the substance of the facts to which each and every one of the person(s) you identified as expert(s) are expected to testify. 12. State the substance of the opinion(s) to which each and every one of the person{s) you identified as experts aze expected to testify. 13. State a summary of the grounds for each opinion(s) to which each and every one of the person(s) identified as experts are expected to testify. 14. State whether any of the person(s)you identified as experts prepared a report of his/her findings and opinions. Request for Production No. 5. Produce the resume or curriculum vitae of each and every person you indicated you will call as an expert witness at trial. Request for Production No. 6. Produce the report prepared by each and every person you indicated you will call as an expert witness at trial. TES, P.C. By: Edw .O'Brien, E; Attorney for Plaintiff NOTICE: Burton Neil & Associates, P.C. is a debt collector. Burton Neil & Associates, P.C. By: Edwazd J. O'Brien, Esquire 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. Plaintiff ID. N0.32985 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. KELLY GOODLING Defendant N0.12-2028 CIVII, TERM CIVIL ACTION -LAW Plaintiff s Requests for Admission, Interrogatories and Request for Production You are served with plaintiffs requests for admission, interrogatories and requests for production together with monthly billing statements which are hereafter referred to as "Account Statements" or when referred to an individual statement the "Account Statement". Requests for Admission In accordance vzth the Pennsylvania Rules of Civil Procedure, each matter is admitted unless, within thirty days after service of the request, or within such shorter or longer time as the court may allow, the party io whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection, signed by the party or by the party's attorney; but, unless the court shortens the time, a defendant shall not be required to serve answers or objections before the expiration of forty-five days after service of the original process upon him or her. If objection is made, the reasons therefore shall be stated. The answer shall admit or deny the matter or set forth in detail the reasons why the answering party cannot truthfully do so. A denial shall fairly meet the substance of the requested admission, and when good faith requires that a party qualify the answer or deny only a part of the matter of which an admission is requested, the party shall specify so much of it as is true and qualify or deny the remainder. An answering party may not give lack of information or knowledge as a reason for failure to admit or deny unless the answering party states that he or she has made reasonable inquiry and that the information known or readily obtainable by hirn or her is insufficient to enable him or her to admit or deny. A party who considers that a matter of which an admission has been requested presents a genuine issue for trial may not, on that ground alone, object to the request. That party may, subject to the provisions of Rule 4019(d), deny the matter or set forth reasons why he or she cannot admit or deny it. Interrogatories In accordance with the Pennsylvania Rules of Civil Procedure, you are to respond within thirty (30) days after service of these interrogatories. The response shall be inserted in the space provided after each of the interrogatories; attach additional pages if more space is needed for the response. These interrogatories are continuing and demand is hereby made to amend or supplement the answers as is required by the Pennsylvania Rules of Civil Procedure. If the answering parry is a minor, a decedent's estate or an individual who is incompetent or under legal disability to provide answers, the individual providing answers shall state his or her name and the authority under which he or she is providing the answers. Full and complete answers the interrogatories must be provided and signed by the party making the answers. Request for Production of Documents In accordance with the Pennsylvania Rules of Civil Procedure, you are to respond within thirty (30) days after service of these requests for admission. It is acceptable that the answer and produced documents be copied and mailed. For the purpose of this request, the word "document" means the original, all drafts and notes thereof, and all copies of any written, printed, recorded, charted, taped, graphic or magnetic matter (including, but not limited to, video tapes, audio tapes, and computer tapes and discs), however produced, reproduced or prepared including email. This request applies to all documents in your possession, custody or control or in the possession, custody, or control, of persons acting or purporting to act on your behalf, including, but not limited to, your present and former agents, accountants, debt management companies and attorneys. The term "account" refers to the credit card account which is the subject matter of the complaint The term "Account Statements" or "Account Statement" refers to the billing statements for the account which are attached to these requests. In making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. Requests for Admission With reference to the Account Statements served with the requests for admission, interrogatories and requests for production: 1. You admit plaintiff mailed, transmitted or provided each of the Account Statements to you. 2. You admit you received the Account Statements. 3. You admit that the Account Statements are correct copies of the Account Statements you previously received. 4. You admit that the detail for chazges in the Account Statements is accurately reflected. 5. You admit that the detail for credits in the Account Statements is accurately reflected. 6. With regard to each of the Account Statements which reflect a credit for a payment: A. You admit you reviewed the Account Statement. B. You admit that after determining the Account Statement information was correct, you then made a payment to plaintiff. C. You admit that for each month you made a payment that a credit for the payment was correctly set forth in the following month's Account Statement. 7_ With regard to each of the Account Statements which reflect no credit for payment: A. You admit you reviewed the Account Statement. B. You admit that after determining that the Account Statement information was correct, you did not make a payment by the payment due date. C. You admit that for each month in which you did not make a payment that the following month's Account Statement correctly reflected no payment was made. 8. You admit that you made the payment or you caused the payment to be made in the amount shown in each of the Account Statements for which a credit for a payment is reflected. 9. You admit as to each Account Statement which reflects no credit for a payment made, that a payment was not made by the due date stated in the prior month's statement. 10. You admit that the Last payment on the account was made on July 24, 2011. 11. You admit that within sixty (60} days from your receipt of each Account Statement that a written billing en:or notice was not sent to plaintiff. Interrogatory No. 1 If the response to any of the requests for admission is a denial: 1. State, explain and detail each fact upon which you rely for your denial. 2. State the name and address of each person who has knowledge of the facts set forth in your response to interrogatory No. 1. Request for Production of Documents If any fact in response to interrogatory no. 1 is supported by a document, produce the document upon which you rely for the denial. Neil & As~Iates, P.C. By ~ - ,: _ d J. en, Esquire in making this communication, we advise Burton Neil & Associates, P.C. is a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. C-57029 z z z z z rz ~a ~z g+r Z ~Z z oZ ~, z ~, z By- onHrte frith TAI llO1tA DrpRt lyledlt Caul at ~ ~1~~. rim Customer Service: myhomedepotaccourrt.com ® Account Inquiries: 1-800-677-0232 Account Statement sale Natlxa elNhp Eiras an4 Cmtanar souls hq,Ml~ b: HOME DEPOT CREDIT SERVICES PO BOK 653000. DALLAS TX 75,''63.90DD Summa of Accoant Activi Previous Balance $0.00 Pa ments -$0.00 Other Credits -$0.00 Purchases ~+$4 t 34.82 Fees Charged +30.00 Interest Charged +60.00 New Balance Past Due Amount $4, t 34.82 $0.00 (Credit [_imA $7,000.00 I Date Msiknl peymenta nrrat 6e received blr 5.00 PM ei the IAfOrmit%OR .ddr.e. 1« P.ym.ra. br lM peymeM cue de1e. Minimum Payment Oue 342.00 Payment Due Date July 13, 2011 Late Payment Warning: If we do not receive your minimum payment by the dabs listed above. you may have to pay a late tea up to 535. Minimum Payment Warning: If you make only the minemum payment each period, you wiN pay more in interest and it wdl take you kuxJer to pay o8 your bttlanoe. For example: ... ~ ~, Y ~2 .?(.',ice A.W.. ~~~~ tt b ..~s~ Only the minimum payment 24 years S~ 1,089 - 515B 3 years ~'''~ (Savings=55,405) N you would Nke hformtdion about criadit counseNny savlces, cat 1-87T~337-8187. Your minimum payment due is $4200. To avoid interest charges, pay your ~ ~ 3Ri'dE STAtAAS, Register rww for Papertess I revolving tr'elartce of 54,13A.ti2. plus any promotions expiring this perKxl, by Ti31t:'E.» Statements and rtx;re at July 13.201 1 (residual interest may apply}. r4priC}'CR£E5t mybometfepfltaecouni.com Thanks for using your The Home Oepot Consumer Credit Card! How's the time to continue using itfor al! your home Improvement protects, big or sma[I, rn~tnsact7oArs Trans Date Desaiptlon Reference! Arwarnt 06x08 THE F14FAE DEPOT MECHwNIG.SBt~G PA 6185025 343645 5 4,134.82 KITCHEN AND BATH FLOORING FEES TOTAL FEES FDR THtS PERIOD s p,00 Everything you need ttr know aoout ycwr account iS here ~•• in on? ilVitiet S OI"l yQt,IC~.,{'--,~~•~ easy-to-read slettrmeni: account rttrmber, payments, fees, iMerext, ' ~ t'_ • "' '' credit Ilmft, contact iniormotion and more, :.billing statement?~:.~ ~'~`~~ •'.~<.~'~' Please see page 4 for additbnal Information. - - - :,:~ NOTICE: SEE REVERSE SIDE FOA IMPORTANT WFORMATK)N Papa t or B This Account Is Issued by t:Rihar,k (south Dakota), N.11. 't' Pk+ase deti,ch dtk portion and rsum vrith your payment to irqure propo-r uedd. Fteiain upper portion far your rerotds. t' Make Checks Payable to: HOME DEPOT CREDIT SERVICES 1 Pea, Due Amount ie inctudsd in the Minimum Paraiard Dw. ,_Ye_rattr ~a~• Payment Due Date New tialanes Past Due Amountt Minimum Payment Due Amount Enclosed ?~$,fi~• July i 3, 201 f 54.134.82 50.00 542.00 S 061 Optional Batanae Protractor: By [nitialing, I want to enroll in optional Balance Protector. X I received the enclosed Program Surttrnary. Bill the mordhly lee ($.99x$100 of balance) to my account. lritid rtaPe to enrox 2749041348200000000004200110 KBAYF10i3 6ei6it 3247227 w II'I{II'I'NINn'II'I'n'n'I'I'II'll'li'Irllrlllllr{Ilinrlli N KELLY GOODUNG 395 AUSON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PROCESSNVG CENTER DES MOfNES, IA 50364-0500 flirt Ill lr(tllltlrllllr I{Itll'I'(III'Illlirltlit,llllt,lledl'III Prim eddreri chanpm al+ove M Wua « Week irJf ttt~onrrsRfon AboutYOru A~ocourtL How to Avoid PaYlnp InlarNt on Purchases. Your payment dare data i5 at feast 25 days after tree rose a` each bftlir;g cycle. We wl!! not charge ya; any irnerest on otrrchases it you pay your New t3aiance by the payment due date each month. i his fs catled a grace period on purctszses. If you do not pay the a~lew t3afance in tuft by Site payment due date, you will not get a grace period on purchases unfit you pay the New t3alance in full for ivro biilinF cycles in a row. I# you have a balance subject to a deferred Irneresi, 0•.: APR ar Equal Payment Plan promodort and that promotion expires t»fora the payTnrutt due date, 8sat baknce (the 'excluded promodonal balance"} is excluded from the amount yore must pay in full tb get a grace period. However, t'ot' must stitl pay arty separately required pa)msent an the excluded promotional ba?ttnre. In bitting cycles in vvhith payrnersts era FJlacated to deferred Interest balances first. the deterred Interest balance will be reduced before any other balance on the account However, you will continue to get a grace period on purchases so bag as yor: pay she New Belanca toss any excluded promotional balances In tort by the payment dos date each bI11Mg cycfo, We may rotor to deferred 'merest promotions as No Interest promotions. In addition, certain pronodonei offers may farce away the grata pared on purchases. Other promotional offers not described above may also &Ilaw you to Hove a grace period on purchtses without having to pay a!! or a ppr*,ion of the promettartai bal~sce by the patianeM duo date. It elttser Is the case, the prorr,pionai otf8r wig describe what iteppers. How Mfr. CdeutafsYaatr t3alance Sutsfett to trrterest Rate. For each balance, it-e loner following the /anrruat Percentage Rate in dse Interest Charge Calculation section on the irorst at the statement indicates the me'ahod we use tc calculate interest charges. ;=or Methods C, H and M, wa use a daily balance rrrettrod (including current irarvac3ons) to calculate imerest charges. For Methods t and 1, we use an average daily balance rrrettrud {~rrcluding current transactions) io calculate interest charges. For Metfsod K, we use an a~~erage dally balance method (exduding currant transectbns} In calculate interest charges. To find out trees irtforrnatlon about L'te balance computatiar. method that applies to your account and hex the resulting tnlerest charges were delermined, corstact trs at the Customer Service number shown on the front. Cnadit Reporting Dtsputxea. H you think vve repcxte;d irraxureta infer. rnatton in a credit Eureuu writs us at the Custancr Service address shown on t, rr; front Resport a Lost or Stolen Card Emmedtatety. Call the Customer Service number s:rowr, an t!se front. What To Do HYou7hlnkYou Find a AAistalasonYour Statarrtent if you ihin't. more is an error on your statement write to us at ino Cus:aorrrer Service address Shown on Itra front In your letter, give us the fctiawirtg ~stormation: • ~Sfa pt' i~forrnatbrc Your name end account nrrrtxx. • ~3r: The daoUar emvum aF dra ecsaected error. • r itl@[h: It you thirNt there is an error on ywr bill, descri a chat you believe is wrong and why you believe it is a nirstaka. Ybu must contact ~ wGhln 6U days attar Ito orror appearod on your statement You moat notify us of any polerrtial ermrs in wri ' -You may catl us, but ii you do we are net ;squired m fnvssdgate any Dotentiei errors and you may have to pay the amaun; in Guesiion- VVhrle we htvestigate vfielher or not G`rere has been an error, the faollowirrg aro true: • Y1e t~rktot try fo CoAeca the amount it question. or repnrl you as desasgU~t on that amount . The cstarge in G:restlon may nmaki ors your staten!~rt, and rave treat' corriirtr.re to charge you in:are6t on that amount. But, of we day,ertrtineihtri we made a mist2laee, You wig not trove to pay the arrtolast In qurattlost a any irrtrerest or odspx lass. setdted to that amount. • +Ntsikr you do rot have to pay yte amount in question, you era responsible for the remainder of your balar>re. • We can apply art' urrpeid antoint against your cxsdtT ftmh Your Rfahts !if You An Dtattatlstisd With Your Credit Card Purchases If you ace dssetistiod vdth the goods or services chat you have purchased wills your credR card, and you have triad in good faith to carroct the problem with tht merctsant, y«: may have the right not to pay .'re remaining amount cue on flee purchase. To use this right, aR of the foilovvusg must be teas: 1 •Tha purtd'tase must reeve boon made in your home state or within ttl0 miles of your t•.unant mettle aadross, and fhs aurcha;.c prtco must have bean more than 550. ~Ncte: Neither of these aro rreceseary it vour pur>rhaso wtes based cn an advertisement we m&iled to you, ar if N'e own the carparry that sold you the goods or services.) 2, Yau rrsust havo usod your credit card for the Twrchaso. Pur,~hast~ made with ceah advances from an ATM or with a check that eccesees yasx trellis card accou:tt da not qualify. 3. You must not vet have ftdly paid for the purchase. !f all of the criteria above are met and you are still dissatisfied wfih fire purchase, contact us in wridno at the Customer Service rxtdr~asa ehcmn txr the front. White we inve5figate, the aema n;tes apply to Ehe disputed amount as dlscusseci above, A98r we ftntsh our investlg~stlon, we wNl tall you our decision. At tilpt point, H vve think you owe an amount and you do not pay we may report you es delinquent. KEY CAEDITTiERMS - i11O INTERE8T IF PAID IN FULL WITHtN 6 dtONTH3'.>)298lAinfmum Purchase Required. Minimum Payments Requireet. lntaraat will ba charged to You atcotern froth tM purcMss dins N the purcht+sa batana {incltrdinq pntrmiuma tar optional credit insurance) is not geld in furl rrltlrirt 6 aeanths or It You tttaks a bets payment. 'With credKapproval for qualiying ,ourehasss made on Tha Ficrrsre Depot or EXPO Design Caller Consumer Credit Card,17.9~G -26.89% APR. t~ilnimum ilrli'Ht~t3T CHARG - .Sea care! agrocunont for datail5 inckxting AFR applicabio lu you. t~Ffer Is only yr tic far orinsurnot a :caurns end fs subject to chat a wi*hael notice. Important PaYresrrt N1sQtrotioets. Crsa3tMrs Psytrretrle. If Ana reneiee yarx mrsi'erf Peymerrl ~n proper forth at err ptoCE9aing fseSty ay 3 p.m. boat tirtrE there, $ wIJ M c:ed~d act Of that day. A paymO-rt received Crete in form after that time w.ft bo credited as a the eau day. 4Aoar 5 to 7 days for payments by reg;tat maA to reach us. 7)sare may be a delay of r+P 1fl 5 oat's rn cmortcqa~ a payment we receive that is trot in proper farm a is race sans Ie iha mnect address. The correct a for regertar malt is tt+a adr:r:~s ai the fRxtl o` the~ ppaaymcrri ca~,«r. A paynrxd made an-store fs not sent to the correct address. 71se txxrect address for caxfer or express tease is the s i'ayrneras Address shown below. Proper Farm. For a payment aunt Lt' real or carrier to bo n grape form, you nwsC Enctosa a void cisedr or motley Defter made peyabb ~ t;amc D^px C,redi Services. No cash, gift cards. or foreign phase. • tndtrde ycprr name and accorxst rxxrrber on the fro. of yore citadc or matey ceder. k you aartd an pagfbit cliedc vr(tlt M,tla psytsnertt coupon, you authorize ue do wetplels your t by elscteonlc debit. H vve od ,the da.cldnp aecounl rHq bs tars fa the wneuM oe- fJr eheeK. lNe rpry rW fhls as soon as fire day fret r~rre tl~e aiteeir. Also, tine olrecir wig be eieatroycd. CCooppyy Fee.1Me charge iS to each ~ c" a bdfrsg s~temen dmt dates bads 3 ma~}:s ar taco. We add tree feeto a I:sarrca of our cftooairg. }Ne resexvo tree right to and tftis fee fG betazs~..as st3sjacl frs a ha'~tar anratal percerdage rate. Y,iEi waive [tae tae ii yw reour_wt for the Dopy r?Ierteslo a blfng a:rror ord~ute~d putdta~. • -06.Oi/11-ri8• -000-0-H276-OE13~11- -P-0-0-8196-W00.0002-H Payn+sni t)pttons Other Than Reguier Malt. Online Payrr»ats. Ylsk ~r>ad~tacr~rc-rtcan Prtd slgr; up t« freo txrtirtE pa•~rner-ts. Erao~nt may Ire a few days. If we reeeM1~e Kwr request to rtreke err oNine pavr~er: bY. S p.m. Ea.~tem Time, we will CrCdit your paymetrt as Of that day and ti sNp post' NitlsYi L'uee brtsirress days. I! we rereive }rou- ;agues[ teaks an online aynaeni aRer that yore, tive w0i crcMt your p~yrrtor;t as of dro nod day and ~ w~l post ri~n [Mee business days For seaxit}r ,,aasans, You may be unable to pay year entire Ner<~ f3alarrva wilt yorx ftrsft Deane pa}mern. •Psy br Phone Service. Ycsr may, use this serviaa any time to rrsaka a 1 by phone, if yew: account is alrgible. You will be chargt+d S1495 W rse 's senrictr T e rc+pre3ertative of o°.us trefps ezped~e }roar pay+nnnt. Call by 5 p.m: Ettsiarn fkrta to have Yarn paytraArrt aad>ted as od tltr!t day arxi poatert kaknrn IttrE;e b:rsirrov3 dav~. i# you cafl crier dmt tutee, yox payntertt wit be credited as of G`re next daayy ar~d pasxb within thrtro business days. VYc may process Y«s payment electraruc~liy &'l~ vve verriy your identity. •F~cprssa Payrrrertta. You can send paymerte bit ooiriG or a ass malt to the F~cpress Paryrttants Address. This address is: Customer ~5ersrtce Corder, Attemicvl: Payment i~~ail pp~ntag, t5U0 Bollonlieid St., Coi:xrrbus, OH x;.226. Payrnertt must De recair+ad in proper corm at rte proper address by 5 p.m. IoGal :yrre to ba credited as of that day. All paymerMs recaiveci it proper iorrn at the propor addross 21ter that ttrrx+ writ be Gradated as of ttx3 rsaoct day. •in Store Payraierreler. For your addod axrsronienco, tx>'Ymerrts cxur 5a nwda at The Hcxne atoms with no service tae. Payrrr~itts erode at Cre stc~e prior i7 lira s~r0 'rig tt•'T>C wfU bo posted to }err accorrrt es d the: day at a~'vlabiliC/ may be ~bieei W verlfiCation c~ funds. Ht7PEX .tIA~H 1 Page 2 of 6 Account: "'" "*''r *~''• 2749 TRaxsacTroivs cont. Trans Dde Dasalption Reference / Amount INTEREST CHARGL-D TOTAL INTEREST FOR THIS PERIOD S 0.00 c I,~n-~y~ru~'-!•. •Pt ~ kcak~af a~•f- ..-~~:.eurtA~~..., . . Total Fees Charged in 2011 $0.00 Total Ir-terest Charged in 2011 $0.00 z z z z z QNQ Z XZ ~z ~z ~z ~' z oz r~'i z Q,9t3 i~iTEREST ~iF 1P~QQ 1~ ~U~~. ~A-~Tidlai fi NlOidT~S' on purchases of X299 or mare. Minimum Payments Required. Interest will be charged to your account from the purchase ,; date if the purchase balance (including premiums for optional ~ credit insurance} is not paid in full within 6 months or if you ~~ make a late payment. Y PAYMEM75' '1i1(ith credit approval for quatlfyfng purchases made on The Home Depot or EXPO Qesign Center Consumer Credit Card,17.99°,t+ -26.8996 APR. Minimum fNTEREST CHARGE: $2. See card agreement for details including nPR applicab'e to you. Offer is only valid for consumer accounts and is subject to change without notice. L 201 . Herner TLC. ~:~:.. NI r)phrs reaer+ed• The HWae Depot• offsra free In~tore and online workshops, so you can learn how to do ell those home IrtnprovemeM proJeeta youneli. a Waek#y WairshDps -You x711 learn valuable skills such ~: painting, pl'Ing, safey and rrxxe et our in-store ~~oric3hops that tvitl :allow you to s2ve money by doing li yourself. ^ Do-N-Herself Workshops' - !Jo-If-Herself workshops allow women to learn hands-or home Improvement skills in a t:omtortable small-group ertvlronment. Many are taught by women with a home improverrrent background. pIH worlc9hops are offered quarterly anC are Tree to everyone. ^ Kids Workstlops - Tnis froe v~orkshop teaches children derft-yaurselt skills 2nd reel safety, and a:a ~E activities for familEes to do togetrer. 0lfered nn the firm Saturday of each morltil between 9 a.m. and rr.,on for kids 5-12. * Orliine 1florfcshop9 - Viev taped workshops online right from~rour own home at hwnedepol;.cortUhowto. Vstt homedepot.com/wroricsha{rs for more ceiails. 89 2011 Hamer t'_C. inc. All riGnrs reserved. •~; ~r ,, '~.~ k A• More SrtMirl$. MOrte tiOmg: Page 3 of 6 Account: *"'** **** **** 2749 See clearly the activity that occurred to create your monthly balance: purchases, payments and credits, fees end interest for the billing period •Pnomotlons Seotlon Customer-friendly summary so you know how your balance was calculated and how your payments are applied. Promotions are also listed in the order of expiration w [~9Q Paym®nt Information Your balance, minimum payment and due dale Payment Calculator An estimated time it will take to pay off your balance when making the minimum payment and how much you should pay each month to pay off your balance in 36 months ;r`T=`.; ~~.. ACCOYRt Stet E ~ y.~ ~i ~1lRR~~~.' A •OIt~~10 W~i ~~00• - ....:. . „ w~e cowri -" t~saweerton ~:'er.w.~:~,:_'„~: s WafoD.w w~warwr .pa~aao ~ a;. ::`~'T ou~ ~ ~•: + ar oa ara,,was ............. mow. ~ WilsniA+~or '~iY,flRw' ::::... ..::.. . Pi~ni. Gain Cii iiwi' oa vrir , . . ~_ . tisl1~/M :.; r Lr,Ap~RO+dYdwr•wwwr rrwi~nw. /•pr1 Yrrl ~:+~"'a .`,~i.,.. M^• Yr irlwdYr. rr•rfYwbP1•Y•1~,~rl~. Z.)€ yii:,,~ -aA Cn•Mq•l i.^C:~ .4 ,.. ;.,r~{~ fi3K, a~::,~~ - ~-'i~r~~: r, rwwi~Hwr~~lriwY~wWls ~hr~~yna~ ..eaw.wr.aNr~.r.....r..n.rri0wt Mw1MYbOlk w•ir~ i awn a RYw'° ~.... ~.w~ .;; ~ _ .. ~,ew,Q.c . ,.:,. eo ...... _ .,dt.. ..... ...,.r ~.. ~_ .. a.ww ,, .• aa++• ..... ~. ..... . •-' •. .... rr.'1.._ .--r,rrr .._ . ... ... . .. - . wur-~ .._. S _M1wFl~ For . .. _ ...... .. pn.rrr•!!~ Nor Promotion Balance Keep track of the amount of the original promotional purchase which remains unpaid HD/EX FEB 1 t = 7 ;k .ash;;.. '~' .ixwi2:a~. •tiry(r~x 'd`..M,. ~JJ Yw ~•!t. {~,j ~~ws rr~r.wrrrrirbnrMrYww.M ~ ,.;•l ;. ~_ ' Vii'., _ ..,.V...:.: :. :.,~~. ~A. p. "r.; .. Z; .,^'.. ~^ G?,:YS .~~. l i: ,iJ!:•{ •~ - . ' . , . .;. . :.:' • • ~ Ori$inal Transaction Amaurtt ;,,,;.,,,,r ~ Allows you to reference the ,, ~-t ~ original purchase amount ~~ +T~ r' ' ,~;,~. •: ~'r Page 4 of 6 Essy returns without rtceipts. It you return an item to Ths Henre cepot• within 90 days of the original transaction, and don't have your receipt, it's not a problem. We can Zook it up for you. sl;} 18abiiity on unet+th>}rized charges. It you report an unauthorized charge to your account within 9D days we'll promptly place that charge in dispute while we investigate. During our investigation, you won't be assessed arty bank tees for the disputed e+rnount, nor will it affect your available credit. z Hassle-free shopping starts at The Home Depot. t A 20' 1 Home iLC, I,x. All ttpY+se raeavod. Z ~Z Z z t ~z t Z z With paperiess Statements, {ass is really mere: Pass trees tieing cut down, and a mare effiGiant, secure tivay for you to view your sla:ements. Go Pape.^?ess ,sttd you cs:+: w Receive an email noti~,cation when your statement is ready e Viov., prim and save up to cne year of t?C?i= stat~an,ents immediatsiy a Request PLt=s cf past staterrens when available) -completely free of charge e Setup an er!ta~it slert for payment due reminders __~• ~~,r11A More saving. More doing: Kn etarrslss to tsuy. to mall to serd..l~sgi easy amine payrnEnta. .a Register now fer Online Bitl Pt3y, Feperless Sttit2ments end more •"" at myhomatiepotactount.c+zm. A zo1, Horror n~, t~ a. rir,,l,iF ,u~,R,K,. More $AYing, More doing: 'The Monte Uepot~ Gift Card is the perfect gift for any occasion. '.rJt,ether it'S tar a housraw2rminr, a yJ?Khd~y present cr An e?:pro&sio.^, r.•1 thar,':s, it's alYla}+s t^.s perte;.t so{utior. tx With over 2,100 stores and new lower prices at each one. you knew this gift will do more • Redeemable In-store and online In the United Sta<es, Canada and Mexico ^ Available in any amount from $10 to $5,000 • Na service fee or expiratlan date ~ Rurchase The Home Depot Gift CaM today at your focal store or homedepot.com. ~~?'~ {+ ` ~~~ C 2011 HC'10r 7Lc, Irrc. AI! ~tgRt3 reservetl. Mare ~V~R9, Mere dQ~, Page 5 at 6 z Z z z Z rz $z z ~} ~Z z i ~z 02 ~Z a0 Z ~ ~~ twith ~ Customer Service: 78w it>f0/11r a~Ol t~ Cord in trryhomedepotaccourrt.com Account Inquiries: ~ homec~epotcamR ®1-80077-0232 Account Statement Send taksa ~ Etrars andctataner sautes hgWrfes to: IaME DEPOT cREDiT sERV1cEs PO a0x 659000, DALLAS TI(732953000 Summa of Account Actitri Previous Balance S4 134.82 Pa menu -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +525.00 Interest Charged +577.99 New Balance Past Due Amount 54,237.61 $42.00 Credit Limit $7,000.00 ~ Available Credit 52,7fi2.00 Next Statemeni Closklg Date 08/17/2011 Days in BilUnq CYCte 31 NeNed P°7'^eRr' n^sl 6e rae^ived b7r 5.00 PM d the ,edr... to wry by M» wy~i aw d^t^. Minimum Pa ment Due 188.00 Payment Due Date August 13, 2011 Late Payment Warning: If we do riot receive your minimum payment ny the date I'isied shove. you may have to pay a Iate lee up to 535. Minimum Payment Warning: it you make only the minimum payment each period, you wi6 pay more In interest and it will take you brtger to pay oft your batirutce. For exempla: Ar~ ?. a. ~ i ' r ~y'.'t, v:=. Only the minimum payment 24 years St ~ ,t ~ s 61 s2 3 years 55,826 (Savings=$5.289) M you would Ske tdonnatbn about credtt courrxlYrg servkxs, cau 1-877-337-8t9t1. 5~`tYE STARRPS, Register rtow for Paperless To avoid interest charges, pay Your revolving balance plus any promotions expiring this ~ Tt~~,,, Stattarnants and more at period. by your due date (residual interest may apply}. AND TFf~ES! myhomeSepotarxourrt.t~m Forget to put your payment in the mail? You can make a payment by calling us at 1-866.435-6176, online at myhomedepotaccount.com or at your bcal The Home Depot afore. We're here br you. :; :.,:~~; THE HOME DEPOT' GARDEN CLflB MEMBERSNiP iS FRED +r_~ ~f 4 ~ ~ `~ i '' y~ Q6A Customli!od Rttortnabort, tips, DIY pIDJBCtS+ .Year-r0un0 t.~YtIQB an0 K • ~ ~ , ~ expert answers to as your outdoor ~rda, questions ~riwn 48 hours. ~' ,GARt#E~i CLUB Sign up today at hamedepotOandenolub.ootnlrt~ia0ar NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pape t ai4 Thls Account Is Issued by CWbrrk (South Dakotal, NA '* Plsa^s detach Ihi^ ponion and Murn whh your poymeM to incurs proper ved't. Redain upper pordon for your reeorda. '~' Make Cheeks Payable to: HOME DEPOT CREDIT SERVICES t Pasr Due Ameum is irmh,ded 1n t}rs Wnrwm Pavmero >7w_ ..,. ?~Yo~itrut~ Payment Due Dots New Batanu Past Due Amourtt7 Minimum Payment Due Amount F~tcloeed I~.3 ~ August t3, 2077 54,237.87 542.00 6188.00 5 SAVING HAS NEYER BEEN EASIER AT THE HQME QEP4Tg Receive incredible values by email. Sign up at homedepotcom/emeiloptM. ________ ?749D4237810000000D01a800106 KBAVHDi 2 7h 7;i ~ 48628 6 O P rltllllrltllrllurllrlrnrllrltltllrilillilillillllllrllllnlrlll m KELLY DOODLING 395 ALISON AVE MECHANlCSBURG, PA 17055.4202 HOME DEPOT CREDIT SERVICES PROCES51NCi CENTER DES MOINES, IA 50364500 iI1nIIrIrIr111r1iIII1rIILlI'I'IIII'Illllr611ullllnllull'I~I Prim edemas cfwges above in tdua or Week ndt. tntormation AboutYotxAecount Haw to Avoid Parirrq Mterest on Purchases. Your payrne: tt due date is at feast 25 days after the close Ot each billing cycle. We wilt not charge you any irtteres? on Ourchases it you pay your New 8aiance by the payment due date each month. This is tailed a grace period on purchases. If you do not pay the New Bafanca in foil by the pzyrnen! due date, you wiQ not get 8 grace period on purchases until you pay the New Balance in foil for two billing cycles in a row. ti you have a balance subje~ to a deferred !merest, D`.: APR or EgUat Payment Plan promotion and that promotion expires before the paytnont due date, that baance lthc- "exdudad promotional balance") is excluded from tt'-s amount you nws! pay in tuft tO pet a grace period. However, you must still pay any separately rooulrod payment an tY;e excluded prerrsotional balance. In biL'ing cycles in »tfich payments art: Etloca.ed to deferred lntereat balances first. the deferred Interest balance will be reduced before any ether balance an the account. However, you wltl continue to get a grace period on purchases so long as you pay the Ner+ Balance less any excluded promotional bxiartces In full by rho pay:rent due data oath billing cycle. We may refer :o deferred interest promotions as No Intsres? prorncSons. In addition, certain pranto3one! titers may tz,ka away the flrace psAod on purchases. Other promotional offers not described above may also allow you tp have a grata period on purchases wthout having w pay ail or a por-ien o} the promotional balance by the payment due date. If either is the case, (F'te promotional offer will describe what happens. Now tAl! Cafculete l'oetr Balantx Sut>[ect to lnterr9t Rata. For each balance, the letter following the Anrx;al Percentage Rate In the interest Charge Caicuktdon section. on the front of the statement indicates the method we use tc calculate interest charges. For AAetltods C. H rand M, we use a deity balance method (including current tra;rsactions) to calculate interest charges. For Methods i and L, wa use art average daily balance nseUhod {including current transecUona} to calculate interest ^Jsarges. For Method K. we use an average dally balance method {erduding Ct;rrerst *.ransactions) to calculate interest. charges. To fetd out mae informatitnt about the balance computation method that applies to your account and 'now the resulting interest Charges were determined, contact us et the C;t:stomer Service number shown pn the frprtt. Crodit Reporting Dtsputas. It you think tive reported irusccurate information m a credit bureau writC us al the Custom~rr S~rvica address sham on ttre front. Report a Lost ar Stolen Card immedtetely. G.zlllhe Customer Service number srwwr; cn the front. 0 What To Ob tfYouThttrkYQ}e Find ~ Mistaits onllour Siwtamant If you thing there is an amt on your statement. wrde io us at L7o Cua.amer Service address shown on the front In your tatter, givs us the iclir,twbta irdarnatrort: • You: name and acca.+nt nsrr:ba:. • CJotlar arnourtt Tt>a dollar arnoum of itte sssaected ervr. • - . 'r .: if you think them is an error on ywr bill, descri a what you bs eeve is wrong and why you believe it is a nrdake. You mt~t contact i~ vv:ftirt fill days attar the error appearsd on your sLstsmBM. You must notify us of any potential errors ' wri in .You may qll us, but if you ~ wre are not regt+irad to investigate any potential errors and you r,2y have to pay the amount in question. tAtttle we investinafe whelttsr or n~ [hare has been an error, the following are trot: • Yre carxsot try to coller;l 4he amount in question, a report you as dal6nquern on that arrtotrst . The charge in question[ may rt?mah on your stal¢rtraN, ertd we may cariintre fA charge you interest on that anrunt. But. R scare determine that we made a rrtistr~~. you wNl not ttavo io pay ttte artx urd to question or any interest of crtitar tees related to Thal amount. • 1Nr^ila you da not haw to pay ;rte amount in question, yvU am responsible for the retnalndar of your balance, • tNe can apply arty unpaid arriptrtl against your Crecilt Grnh4 Yaeu~Ri his NYou Ass Dtrtsstiafled With Your Cr+adit Card Purcteases It you ate dtssetisfed with the Beads or services that you have purchased with your credh card. ertd you have Vied in good faith to coaect the problem w!th thr: merchant, ya: may have the right riot to pay the remaining amount due on the purchase. To use this right. ail of the folbwing must be trt;a_ 1. T.he purchase must have been made to your home state or wi-:hin 100 mites of your currerst mailing address, and fha purch^.sc price must have been more then $fi0_ {Note; Neither of these are necessary h vour purchase was based ort an advertisement we matted to you, or (f :ve or+rt the oorp2rry that sold you the goofs cr s~rvfcea.) 2YOU rnr++st ham used your Crodlt card fOf the pur'Ghaso. i'ut>;hasos made with cash advances from an ATM or with a checF, that accesses yrwr crr~dit card account do not quality. 3. YOU must not vat have Tully paid for the purchase. !f all trf lice criteria above ere met arsd you are stilt dissatisfied with fire purchase, cexttact us in wrl n at the Customer Service address atravn on the front. While we investigate, the same rules apply to the disputed amount as discussed above. After we 9nlsh our etvestlgatbn, we wdl tall you our decision. At that point, it we think you owe an amount sod you do not pay we may repot you aS delirtquant KEY CREDIT - NO INTEREST IP PAIO IN Fula. WITHpJ a AIOt,ITHS'. ?~ minimum percdtase regained. itinlmum paymruets raqutred. intanast roil ba dtargad to your st:r:ourn tram the purchase data tf the purchase tbattrnce (induditeq prsmiueeu: for optlansi eredlt trtsuraneej is not paid to (uh arltidn d mantles or tt you make a late payatent. °J!ith credit approval for qualifying purchases made on The Home Depot a [XPC Oesign Center Consumer Coedit Card, t 7.9956 - 26.99% APG. Ntinimum iMerost charge: y'!. Soo carcf agreomont for d[[[ells including A?A apptioable to you. Dff:tr is only valid for ronsumor accounts and is aub}ect to ctr without notice. impottartl Partttreset tnetreerdimes. CradtHnq ParanetNa. ii we receive yrx:r meted payment[ in proper town at asr processing laClth/ by 5 p.rn IoCat tlrrre Caere, d wtl! -e Credited as of drat day. A payrrsatt received there i, proper form after that time wiA be Credited as of the t1W2 dayy. AJ[a+r 5 f0 T days for payrtertis ty regular mail 1D react[ t`5. Then? may be a deFay oT up ifl 5 Gaya in erttdRirrr~~ a Naytnartt we recttive Lysl is rat in proper form or is rsr)t can? tD the cornet? address. The twrrect address for tt~p+lar rstas7 is Irsc addrtss on the trout o` the pa',rrnenr raJpo:- A paym~ made sn-skxc is rot sent m the correct address. The correct address for counter or express rne8 is the [xpress Payments Address shown below. Proper Fem. For 2 payrtterk exit ty r?kv7 or octrsar to bo h prt>Fxr tarn, ycrr must EttCfoaa a val!d Check or ttlrxtay otdor made payable n Homo Depot :.rer#t Services. No cash. sift r~rds, or foreign c pk~ase. • fnelerde your name anti acccurrt rr+rttber on Ihs fro. d gar Check or money ardor. M you card sn Nipi6M dead[ writlr this paynNnt coupon, you autlrorise us to cam yon tTy NeeUOnk debit tf vre od ,the chsekinQ a rhl bas ~tha wnount an the dream wa nrry do this as anon es the der ~ reeeiere the credt. Also, the clred~ wip bra destroyed. Cops Fee. We coarge ~ icr each Ccooppyy d a lblbtg s~etteer>t tihsf dales 6eci 3 rrtonCrs a• mere. We add the fore to a balartoe otour choasrp.lNe resertat tfsa ri~~ t0 add Utis tae b balances 6ubjecl to a higfter amuat percentage rite. We waive [he tee it yvrr rj+Gtre91 for the Dopy reletcrs to a biting error a di~xtted purcltasR!. D - ~ 0&'OtH i - 08 - -000 - 0 - H279.0&'13lt t • • P • 1 •2.5106 -0400.0002 - N Payment Optlorrs Other Tha» Regular lMsll. Online Permeeets. YISI! 'rLcrnn and s?gr up to free Or111nE paytrtent5. Enrol6trerti rrey tekr. S lev+ days, if -ye reoeiv~e your tegtre3t to make ar: online oaytnent bl! 5 p.m. [:astern fkt-e, wa vr;A credf your pEyrtrent as of fiat day and it whl post witf>3n three 5usirress days. Ii we rc-cefve your request to rralx an onlirse ayrrertt after that d'rse, we wilt crt:dPs your as of the next day and h w~post within three business dais. For rtacur reasons, you may be unable to c>y your er>hre New i3aianCe wRh yarn ttrst~paytr+ettt •Par f~r Phone SenrfCa. Ytxt rri<!y use This service any louse tp make a ~yrnen, by p,`ruse, if yocrr acca:rR is t~rgible. You wit: be charged 51c.~ ~ uyy ~ttis service sT a represertatiw of o:As helps your payment. Call by 5 p;m: E•aR:tern ikrtte to have yore payment at~ of that day and porared withn IhrPe business dm's. If gas tail anc-r that tu-rre, your p twit be cmdkcd as t>f the nex<. drry ~d postt~d vrkhin three bu~ness days. Mrs rrmy pra.>ess gar payrrsertt electransr~py after we verity your' idergify. •t2xprsss Parmerts. You can send payment by caterer Or ex~rass mat to the F~ress Paymarrts Address. This $odress Is: Crat~rter 5erviCQ Csrrter, Attenl4xt: Payment i.+a(i tSUCt Bokortlield St„ t:oktrrsbt.'s, OH '~~. ~rnLn ! ~C~ fed as of that Ora~y. All p~a~ya~t9rt~ssp~i~d p~,~?r {Oprm e, ~i proper addrtrss aihrr that tlrne win bcr c-rttdiDad as of ttso rsext day. •!rt Store Parmseets. Feu trrur added ccxtversiresoe, OaYttterRs ten , o motto at The F:utne pis stores u iih no serv+ce tea. Payrrreht° made al dre cilia prior to rho store closing ti;rsc v+8 bo potst>Zd to yDtrr accorrst as d Iha? day ot,t availabili'y may be s;rbjeci tci vtarifiCatio't of Curds. HQlEtf .tULt f Pape 2 of 4 Account: *'*` '*"* **`* 2749 IMPORTANT NOTICE ABOUT YOURACCOUNT Effective July 1,2011, Citibank (South Dakota), N.A is merged into Citibank N.A. Z Z Z Z I Z N Z Q Z }$,s z N } Z z z ~' z oZ ~Z Citibank N.A., which is located in Siotnc Fells, South Dakota is the new issuer of your account. Alt references to Citibank (Soutlt Dakota), N.A, in your account documentation, including the Card Agreement, and in communlcetions about your account shoukl be deemed to refer to Citibank, N.A. TRANSAC71aMIfS Trans Date Desviptbn Any optional program provided by Citibank (South Dakota), N.A., is now provided by Citibank, N.A. Reference tl Anaunt F O7/t3 LATE FEE S 25,00 TOTAL FEES FOR THIS PERIOD S 25.00 INTEREST CHARGED 07!17 INTEREST CHARGE ON PURCHASES S n,~ TOTAL INTEREST FOR THIS PERIOD S 77.99 Total Fees Charged in 2011 $25.00 Total Interest Charged in 2011 $77.99 lAfTEREST CHARGE CALCIlLA T]CN1f Y P• n ale on 'K~ nnu µPR me anrwa! Ueenlet yo uttl. ~..: ~~:-;.;;•~+~- . v ... ....~. .... .?- s*?y;;tn ~. s+~!~iF~-.'y±g*+arou.~,A ,,,,.~nthay~ R. • ~+ ~<~ - r+y -. !•+ia .~." . ~~~' ...~mt~l~ . ~ . - ~-~' .~~~" ~ '~t~,u,~,~e"~,~C.~' ' I~ icy PURCHASES Revohri Balance 21.99% M 34 17fi.43 X77.19 f7~i,~~ P~~F~T>lliit/'1r;1~fR,~~: ~~~ ~7+f~l~~97~~ Our 4,1 Q0+ Eco Options• produt:ts save energy over night. mon4y over time, and the p{anet for years to cotme It Save UR to $10D' in reduced water utility bills when replacir,a Oltler Toilets and ftAroets with products fe91txk7g the WBterSense° logo "' a l'oflets arr. the mein ~urc© of ureter use In 77x3 home, taocrwnting for ~' '~~ Hearty 3096' of an average home's indoor water consurn tion {~. :_ P s Replacing older to8ets wig WaterSeltss• labeled Ittodels could save ~' ......~.1 t ]gallons per t0ilei in y+0ur porno, pOr day -mat's nearly 2 billion i gallons per day natlcrwvioa" a ) For a "ho>rlr to' t~ldvo and to Isam ~~i kr ~p~6 ~ more visit homedepat;.camitoiit:ts. i , ~ ~ Sti 'Per M6lPA 1" 'aterS n a W j'~""" ~A' t - •' . a o2ram pM1 se \y. ~ G 2017 Horner TLC. Inc. AY rkFtls n95ervBQ. ,:~:,, ~ : e ~ : i ,. - 5:: .... . Page 3 of b Account: "" "" `~`ZI4y GET MORE THAN A NEVlf HEATING 8t GOOi_lNGI SYSTEM - r:~~r: -. ; k-~~. ~:-.°- •: , .TAX ~~:~;•.."' "94!cq, GET PEACE OF MIND "~ '`'`"~p`~ CREOfT •~~ CALL 1-S00-NQMEDSPOT' or risit hamedepot.contlheatingandoooting sJO~ .:~` to schetitde an in-hams appointment today. °~ ~ • ^iAf firl,g for 7 once StD 1ZXf5lI~M he8tf[I d~AflfJ11! A t3[~1'ChBL±e9 o in5~811~7s eait~- tha ttlgne5t st3n~ard5 O( °x~?:1P,f'tC2. Cool~ig iYTS,teht tune-up a-rallatNs FC(1CS~r-~lOt+l, SC1C~ CUB O!?ifi! r iG8 Gt3t a WtT¢>~t6 Gi1L Up of y[KJr hOtteL'S ^ Ail i; tSt~fitttiC!t5 2r8 l~3Clcad by T'h@ Home De t' ~ +~bOtrtg SVSt9tT1 irtduding a 22-pDirtt pa inspeciton hY an t-NAC specialist"`. i AN hslaWion ~nriaac Pro'+~ by insved. Gcensotl {w~eta atrr~hcab's) and }?al:ttQrDeild a^reaned kxfepertdertt cool'aota7lw Homo Dopol A;Attarized 3avice Providore. Lieanao rnmbera held ty a on 6ehNf of ?ne Marrw DaPOt V.S.A. Ina. avafable a: MOMEDE~OI,t~IW1.K~~NSENUMBEf~R or et the SaaohJ 9ervlces Uatfr to l:te Mane UeAOt itorv. laa'.alation aerr9coa not evailabde in a1 areas 'PurttttaYe attA inaSaN esleq energy-5eviryt Dr7dtrUS hom t /' 117 -12J91tt t ono you may w el~~le to racenrs a federal tix aqt tamer Yee "Tax Rebf, tYte'~V77+eat tns:ti'toe Feaitt:oAtafkr, and .MJb Creedon Attt of 2010'. V1Stt t1pNEDF.POT.COM/fA70C~F1XT' 8 OtJM9l;l.T YOUR 4 TAX ADVISOR FOR tvlOtiE IkFORMKTKIN. "Tha h0!neown8r or en eettlt tapieaeretNirs {0~lr thb ape d 191 nurst'~e prettera >u the Ilma d inepeaionRwte-up. MPeaQe ~,~`~ ons~pea mer aFpH M a,sr«;zt b more then 26 mllea ! om dare 'au:an. Fa :unerps an al urls ea e~flonef S30 jee mer; oe eertarec. There rray be addilienal ~ ~ _y ;xtargta for nsrydre o• con•Ftr1teiM aara,. The Horne Arprrl rmhorizaa H1/A~ yx:, are Txehdltee nom waic'rrg M any cord?t:om whsm+, to the epacate¢'s 7~ ofi'da1 rddd De uneero a a viotatlan U leralfatete Coded. farotomer h ret~tpminta br a~enr,ng amo aramd t~~raaa or tandanear d any o6:nn>etianu a 201 t Horror tor.~rr~y 71.G, max. AA i~Ms rese~vad. tsc r°"d+~s Pace 4 oT 4 fltiuy onltns ttrith TPN flbfntr D/pOf G'r'srdNt Cifd at - ~ homedepolt.comlr Cnstorner Service: ntyhamedepotaccou rtt.eom ® Account Inquiries: 1-600-677-0252 Account Statement surd Notteal ~ Eirors end trelorna 5ciyfce bgtiriea to: HOMEDEPOTCRED*rSERYCES PO BOX 65300D, l1LLLAS TX 7326S90Dp Minimum Pa ment Due $300_Op Payment Due Date September 13, 2011 t.ate Payment Warning: tf we do not receive your mirtimtun payment by the date listed above. you may have to pay a late iee up to 635. Minimrtm Paymert! Warning: If you make only the minimum payment each period, you wiA pay more in interest and it wdl faits you longer to pay off your balance. For example: .fir Only (rte mintmum payment 24 years 610,658 6t5e 3 y~ Ss,7aa (savings=S4, 952J h you would ike Ydametion above crtxLt counseing trArvk:es, w 1-077.337-else. JkVE STAI-RPS, Register rww to Paperless Your minimum payment due is 6300.00. Your revolving Isatartce is 64.149.08. 1 ~ '~l~S,,, Statr3ments and n>Gre at AI+tD 7fiEE5! mYhomedrpotlccourrt.com Forget to put your payment in the mad? You can make a payment by calling us at 1.866-435.6176, online at myhomedepotaccount.com or at your kx:al The Home Depot store. We're here for you. 7RANSACTfOAfS TwrtsDam Dssalptton - -Reference! Amount 07(22 PAYMENT•THANKYOU Pe19800eD00YEp22l. S g2.00• 07!22 THE HOME DEPOT MECHANICSBURG PA CREDR 21701138 313645 S l5g,go- KITCHEN AND BATH ~ta- 1~T~~ES3' IF P,a1d3 i~ F~f~.le W~7~1l~ ~ ~O~ISh1S' ~~ on purchases of $299 or more. Minimum payments required. Interest ~' will be charged to your account from the purchase date if the purchase balance (including premiums for optional credit insurance) is not paid in full within 6 months or if you make a late payment. eSee reverse for details. ~ ~' B 10 NOTICE: SEE REVERSE SIDE FOA IMPORTANT INFORMATK)N Peya 1 of 4 This Account is Issued by Citlbank, N.A. T Pbaae detach this portion and return whh your payment to incurs proper ersd'a_ Retain upper portico for your retOrds. • -- --- ARake Cheeks Payable to: HOME DEPOT CREDIT SERVICES tt. t Pan rLe Amourn is included M the Mlnimutn Paymssd Dw. ,, opr.Aaoultt ~" Payment Due Date New iBatanu Past Due Amountt Minimum Payment Drx Amount Enclosed :~~; 27±10` SEPTEMBER t3, 201 t 54,149.06 5148,00 6 ~.._..~.:.. ..ri.:.~:~;' 5300.00 ~~ ,GARDEN CLUB Garden Club members get money-saving offers and time-saving tips! ;,~ Sign up today for free: hamedepotgarcienci~l6.cornlt'etaister 2749041490800042000030000b07 HOME DEPOT CREDIT SERVICES PROCESSING CENTER KELLY GOODLING DES MOINES, IA 50364-0500 395 AUSON AVE MECHANICSBURG, PA 1 7055-4 20 2 Prue address etumpee above in due n black ink. Credit Limit $7,000.00 Available Credit $2,850.00 Statement Closin pate 08/17/2411 Next Statement Cbsing Date 09/16/2011 D sin Bilk C cle g1 tnformabn AboutYOUr Apcourtt How to Atroid PaYing (merest on Purt~eases. Your payme:tt cue date is at feast 25 days after the close of each blHing cycle. K'e w~fi not charge ya: any interest on ourchases if you pay you; New BaiarlCe by the payment due date eac`t month. 'Tsls is called a grace period on purchases. If you do not pay the New Balance in tuN by Ghe payment due date, you will not get a grace period on purchases until ycu pay the New Balance in tali for two billies cycles in a mw. I; you have a balance subje~ to a deferred Ineerest, 0`.: APR or Equal Payment Plan promotion and that promotion expires before the payment due date, drat balance (the "excluded promotlorssJ balance') is exdudad from the emourn you must pay In f,ril ;o get a grace period. However, you must stfil pay any separately r[;qulred payment on the excluded promotional balance. In biiiirtq cycles in which payments ace allocated to deferred Interest balances Srst the deferred lntereat balance will be reduced before any otter balance on the account. However, you will conthue to get a grace period on purchases so long as you pay the New BatanCa less any excluded promotional balances in fuiE by the payment tluo date each billing cycle. We may refer :o deferred interest promotions as No Intsrsss promcciians. In addNion, certain promadonet offers may taste away ~t a grace paAod an purchases. Qther promotional offers not described above may also allow you to nave 8 grace period on purchases wRhtwt having to pay all or a portion of the promotional balance by the payment due arts. N either is the case, the prorr,otlonal offer will descrtba what happens, How tlVe CshaeWeYour BNance Subject to Interest Rats. For each batazsce, the letter tollowirtg the Annual Percentage Rete in the Interest Chaps Calculation section on Bte irorst of the statement indicates ihp ma'Jtod the use tc calculate interest charges. ,,-'or 1Aetltads C, ii end M, we use a daily balance rnetitad (lnciuding Current ua•tsactians) to calculate interest charges. For Methods t and L, wa use en overage daily balance rrsettwd {including C;rrrent transactions) to calculate interest dsarges. For Method K, we use ors average deity balance method (exduding current transaClktns) to Ca~uiate interest charges. To find oat more lntorrnatlan about the balance computation method that applies to your account and how the resulting htterest charges were determined, contact us at the L'ustomer Strvicc numtter shown car the front. Credit Reporting Dlaputea. If yuu think we reported inaccurate information tot a credit huroau writs us at the Custamar Service address shown an the front. Report a lost or Stolen Gard Immediately. Call the Cuslamer Service nurtrber s''rawn cn fife trans. What To Do tfY,~(efnkYOU Find a A/iaake on Your 5taterreartt If you thin% testa is an attar on your statornorst. write to us at tfto Customer Service address shown a-s Yrts frrtnt. In your latter, give us the fclktwing irtfor,•natlirrr • Acmurrt inforrnaliarc Your name and account nurrbar- • UDllar amount The dollar amount of ells susaectaci error. • Llss:.rioiion crt i'rpbhxrt: if yorr think them is an error an your bill, describe what you bsfieve is wrong and why yxr believe d is a rrstake, Ycu must contact us w;~sln 60 days 3na the orror appeared on your statsntertl. You m,rsi notify us Of any potential errors in wri in .You may call us, but if you do we are trot ;squired to invsstlgde any potential attars and ycu r:tay have to pay the anourrt in question. WM'le we inve,,tigale whether rx rot there has been an error, Gee following arm true: • We carctot try to Collect the amount in question, a report ya: as ddtnquatt rnr that arnotmC . The Coates in quesGan may remain on your ~,alement. and we may condnue ro charge you irtteresl on that amnurtt, taut, a we ds6armine chat we made a roisterer. you wtil oat ttavC to pay the . tnau?t Mt que3tlort or any interest m rtG';ar lass related W that arnnunt. . While you do rot haw to pay the amount in questxx,, ya; errs responsible far the remainder e>t your balance. • We Can apply airy unpaid amount against your cr9dif fimP,. Your Rtohb ff You At+a fJtsafttafled Wkh Your Credtt Card Purtt+ases It you are dresatrsfied with the gooos or sexv-,:es that you have purchased with .your cre9it card, and you have tried in good faith to cease i the problem wf',h the merctant, yol: may have the right not to pay thz remaining amount cue on the purchase. To use this right. a!I of the folbwina must be t2 s: 1. The purohase ;rust have bean made In your Yton',e state or within tOQ miles of your current malting adc+ross, and rho auvct>vee pricy must have been more than 550. (fYeate: Nadher of these are rtecesaary ii vour purCttasa was based un an advertisement we maiktd to ;rou, a if we Cure the ~:rp2rty that sad you the goods or services.) 2. You must have used your credit Card for the purchase. PurGhasos made with casts edvanoes Irani an ATM or with a checM. that excesses }roar credit card account do not qualify. 3-You must not yet have fully Faid for the purchase. IF all Dt ilia r~erla above are met mid you are still dissatis`red with the purchase, canted us in wrlnna at the Customer Service address shown exs the front. While we irnesli~ale, the same n,les apply to the disputed amount as discussed above. P,fter we flnlsh our investigation, we will sett you our decision. At that point, if ura think you owe an amount reel you do not pay wa may report you es deltnquarst. KEY CREDITTERMS - NO tNTERES? fF PAlD IN Fl1LL MIITHtN 8 flONTH9'. tt29fl minimum purchase ragwred. 1ltinintrutt payments required. IMeretst wig bs charged to your account from the purchase dots If the purnheae tsNarrea (inr;tieeding pretrdumc for optlonat t:redit insurance) is not paid in fait within 6 mantles or If You make a tai payment, "dlrth aedtt approval to aualifving purchases made en the Home Depot or EXPO Osstgn Censer Consumer Credit Card, 17.99°x, - <<^A.9996 Ai'n. fJinimum int[3rost charge: 57. See cart; agreorrsant for details including A?R applicable to yeti. tJ(M is only valid for cexssumar accac+n;a and is sub)ect to change without r-Dtioe. tmportYnt PeYntent Inatrructioets. Creriting t'aYntatrts, I! art; receive your mailed ynred in proper form ffi au processing faclihj try 5 c.m. focal t6rse there, it wt l~ x!>e txed'!.ed as d #ha! day. A payment received titers nptopm lotto aRer that time arp be creel@ed as of the neat day. Allow 5 to 7 dtrrs for payrnerns by regular mail to reach us. There may be a delay of up io 5 days in crerdrtrrq,~ a pa~~-nHnt we receive tfsat is na in oroprer form Dr is rrrr sarR 1C the cerrsr,•t address. Tire correct address fa ra9ular may is the edd'~s rrt the front o` thcpaymcnt oo~,uri. A paynv~ri made r~tora is rot sent ro :`rte correct address. TThhe correct address for courier or express rne9 is ttie Express Payrrlerrts Address shown below. Proper Form. trot a payment ~ try mail tx a~rnsr fD b4 n ptcp~ faun, you mutx: • EnCftrp a valid tdseck or matey order made oeyable tD Home Urpa Creeft Services, No rash, grft cards, or foreign currPrcy piGase. • fncAede tau name anti account rnxrrber on Ihs rronE d yo;r ctteCk or rranay rider !f you sold anyNiyiWe elrett with flap payneetet oouppn, yott autlror~e ua a cam win 6e ~in tt~ anat;q mroi tt~d~ Mids the chackietg aoan as the day tee resales the cheat. Also, the cteedt wig hie ~ iroyed. Copyy Fee. Wa cisarpe 55 to each Copy ~ a bdirrg ataternerx that dates bee's 3 rtso.~flts or mare. We add the tee to a bararxxt d otr ctsooshQ.lNe reserve rote rlgnt to and this fay ro belanoes sr.~bjact to a hbgrtar arrxral parcentags rate. We waive the tee ii yar, r~uesi for the copy releaes Iv a piling attar a disputed purc~rasp Payneent Options OtlterThare Regular Mall. •On~te Petrmarlt:, Visit ~aedeivotaccountcorn any sgr up fa frerr Crites payrrsmsts. Ereroltr:rent rosy take a fear days. ff the receive your request b make 8rs exiles ,, t bS(~ p.m. Faatmt ty;te. w6 wit Credil~r i~nertt es of that day and d- NiA post lvlttlln ttN1@8 `J~irlr•SS dSyS. If iME r8irall~@ y0a! : EgtiEtl to rt-atec an Coins aytr,txtt after ttrat time, we wfil aodrt your mast as d the next ~Y and it wNl post -riEh'n thrree buairtess ways For recur reasar~s, you may oe unable to czy your entire New Balattca wr~•~ ~y~ur first Coins payrrsent •Pay by Phone Servtcs. You may use this servres arty t6r,e to make a ~ynren bN phate, it ycu• accwrR is eligible. You r,Nli be char3ed St<.9ts to use ,his Service r a repreaertatrve Of ours helps your payment. Cat by 5 p.m; Forfeit, ttn-,a to navA you paymo~t naclitod as M that day and prxred a•,tlrn Itu~ th,sir>FSSS d~•s. !f you colt a`Ir~ ffxai lane, yox pavrrsrri wtl be txedited as d the next bay er~d posteei wlttirt th~ec I>i~idc~u~ty days. Yde may process yea payment pkr:troniraliy etLP.r Yve frailty }soar •Errpress Partrrerro. Yex: ten sand paymsrr, by courier ore~e marl to the E~rass Paymarts Address. This address fs: Custanar 5erutp~' a Canter Auarttktrl: Payment t~iari tsoo Boltarstield St..^.oii.mbts, OI-i ~: Payment must be received inproper iomt at tte P-~er address by 5 pm. local *lrrre ro be .reedited ac of that day. AA payrnerrs received in grope form at the •~4r'S oardsd~~b~Ftu~ Kaldtbd ~r-vadrir~na~altsG rY+xt day r The Horne Y' -xryrr>orns r~ri bit mace a[ W the staeclosi ~ tI~ v ~ besennce tea. Payrrt9Mt: made at the stare prior a~'alabrlity may be~ rbject to veriti~~ol ~}n~da, accent as of that day bi,t D - •0601?1 r - 88 • -000.0 - H27B -Ott 13'11 - - P - 7 •2 - 8196 - OIOD -0002 - N . fttarEx JtJt.11 Page 2 of d Account: **** **** **** 2749 TRANSACTIONS (cont.l Trans Date Deseriptbn Reference S Amount FEES 0&'13 LATE FEE S 35.00 TOTAL FEES FOR THIS PERI00 ; 35.00 I T~/i'E~T CHARGED 08117 It~fTERE3'r CHARGE ON PURCHASES S 76.67 TOTAL INTEREST FOR THIS PERIOD S 76.67 ~ r1(,:,r.~i.3iy r.~ti ..~p~;~:n~es'.o~rt~ir•:r ~ ,~.. ;~ti, i..~lA'?:ss~.Y t+K,~M~42~~e.T.~i. wiKT.~ y~ ~L ~ M~}~1tf TK-~ ' Total Fees Charged in 2011 $60.00 Total Interest Charged in 2011 $154.66 CHOOSE YYO~UrR-VANITY PICK YOUR FAUCET SELECT YDUR TILE (~OROINAT6 YOUR `~`x`~Y,... `~ YOUR E3A~ H i=OR LASS 1 ":::~ :.. ,~-~.~ _. e YMI>De SuppGea Lar1 ~1 ~9 vuuE 36" Nartftwaod Yanity Combo with Mirror •38.5"W >c 18.7"Q t: 3T.6"H a Colorpoint Offtiet Top ^ Full ilbctension Qrnreer Glides PRICKS OF TtiE TRADE FROM Ot;R t3ESN`sfV TEAA~ Scan the Bode with your mobile phone for oru design taatt's top tridts, plus ask gaeelEone fn our kow-Ta Comreureity ` and croate Inoro bath titoicst:. !f roar don'! alraaeltr tram w wets reader ~- visit homeds~pw_comisean err text N08CSn r eo i3.5~ m ebrmload a the npp, (~ Fria! awl re0urfed: Pritars ntlwlnr:.kN 28 - Svtrte"~~trw 7, 2011. More bath choices, more VBIUBS 2t tlarettxiepot.troen ~ '' f.~' ~. 0 2Dr r Mp~q~ TLC. Y"r. A! rlylYs rCerswJ. ~QC'~~. ~~~Y.AL ~iAD~ E,~S~' ^ Having the right toils for your carpet cleaning - or any other project -makes all the difference D ff renting is easier on your budget, simply rent the Eools you need at The Home F~pote and get Pro results to You can rent tools hourry, dais or weeMy and keep them Imtil the project is done Yisk twme~lapot.cornfrentalg to filtd the Taol Rental Center nearest yau. ~'~ `~ ToolRental Toe Aa,tal ig net srs9abb m rC The Here Depo; loctllcenc O ?G1 r Hann ~.C. ins. ,w rvlr2s re~+anatl_ Page 3 or 4 =x.= ____ ___= 2749 ,y 255 I ' ~ : ~ Let one tm-sh stroke do the work of two with :-;.•: ~; ;.:~,:-•~~'^ Behr Premium Plus Ultra` Paint and Primer in One ' ~..~-~ l T:MR.- _;:;~3:~, .~~ ~ ^ iris only irnerior Paint 3nC Primer ~ One reted ~1' by a leacrmg constrrraBr study '~; tyro years in a rove. Ma it§ only et The Home taepot° "~"' ~';ki. ~•r' . ,;. ~a~'~j-~ ~ ^ 6ahr^s hnavawe Paint and Primer ~ Crte provides ~~Ibrarrt color and superior k,'~r .: ,. "a, average wish feKwr cua;s Its aso avatktible in a slain-btoc{dr+g cd;;tg patni, 8nd a durt+bleexlexior paint lhat shiokis ageinsl darrwgs from sunlight. mok:tura, chins ar~d dirt. Pius, h aeries a new look that Iasts longer Pick up Bella paitst today at your :• '~ local The Horne i7epAt sf#anr. ~ ~~ ~ •F'eH relac rrj a ka3rg ex+nsutrter d:dye See store to tiatela, O ?ll l t 11arr~rr TLC. Yr. An rigtws raeorvad. Page 4 of 4 81ry Onlh1! ^flth n10 HOfge ~ CndYt Cud K ~ holrruedepot.oomlt Account Statement Sad Nawea Blpbtp F.narsana Purlaaer SeMos Yrgrirla b: CUStOf~rSerVlCa'' tiOYiEDEPOTCIIED!TSERVICFS MyhOrYledlpOtsLCOUrIt.COm PO aot 790728, SL Louts, MU 63179 Accountlnquiries: ~.,'I~~~~ """i'=:y"`'""""'~ •~ ~•~ ® 1-80077-0232 ~~i..x,.:.r.~x..tt:~~ ._._._.._.... _. s Summa Account Actrvi Previous Balance $4 149.08 P meats -$0.00 Other Credits -$0.00 Purchases +$0•~ Foes Charged +535.00 Interest Charged +575.72 New Balance Past Due Amount $4,259.80 $300,00 Credit Llmi! $7,000.00 Available Credit $2,740.00 Statement Closing pate 09/16/201 i Next Statement Closing Date 10/17/2011 Da s in Billin C cle 30 New Balance $4 259.80 Minimum Pa ment Due $454.00 Payment Due Date October 13, 2011 Late Payment Warning: If tNe do not receive your minimum payment by the date listed above, you may have to pay a fate tee up to 535. Mirt'anum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it wal take you longer to pay off your balance. For example: ,. .r~ ~ }~ ..i a=. ~ .:a.. Only the minimum payment 23 years Sto,sas 5163 3 years 5J'~ ~sBVi.,gs=s4,a~o~ tt you would Yke prformalion about credk counsaMg servkes, call-877-337-0t BIS. Your minimum payment due is 545a.0o. To avoid interest charges. pay 54,259.80 by ~ ~'rikitE STANtP;i, Register now for Paperless Ti41E.. Statements and rrt0rs ai October 13, 2011 (residues interest may appy)_ pKD TRE~St myhoartedepotatxourrt.com Your statement cunemy reflects a past due amount of 5300.00.Our Account Resolution Specialists will be happy to ~ find a solution that works for you. Please contact to at 1-866.752.0874, visit us online at , or yo to your IocaJ Tf~e Home Depot atone. TRANSACTJONS TnarrsDate Desviptbn Reference! Amoum FFFS 09:13 LATE FEE S ~.~ TOTAL FEES FOR THIS PERIOD 75.00 Protect year credit rating! Your txxeurx ~s a :i6k of being repo: tad as past due to one ar a!I three ct ;fie major Credfl reportlrrg sgentcess. A tttrgr:tive incidcru or, your credrl report may oamaae your credit retina depending on Call US iCrJay ai lvilr ovtlrei! tacit freiltts. This may 8~rr3~ yrwt ebiltry to plechwe stings you need cr pet additiorsei !7[tdi4 n tr;e f!rt:u>'. Vita wart to Iretp you evdd this. lNe hour. a number cf soluHens to help yw, ~ ~s6-J~ 8-7 ~ rJ9 wtroug`t t;te fi•~en^iel difficulty yot; may to experier:cinp, but tNe moat hear Iran you. NOTICE: SEE REVERSE 31DE FOA IMPORTANT INFORMATION Pspe 1 of 4 This Account is Inwd by Ctt3bank, NA ? PMsse detach d+k portion and Mum wNh your payment m ir,suro proper uedi. Rddn upper potion for your tewrds. Make CherJce Payable to: HOME DEPOT CREDIT 5ERVICES ~ t Pea Dua Amoum i¢ inehrded in the Mirrmum Paymem Due. ~our;~xour~t f.i T~~„_. a Paymrnt Due Date New Balanrx Past Due AmouMt Minimum Payment Due Amount Enclosed Y ~ ~J ~, ; OCTOBER 13, 2011 54,259.80 S300.00 5454.00 5 091 dptional balance Protector. By initialing, I want to enroll in optional Balance Protector. I r~eived the enclosed Progrem Saasfmary. Bill the mouthy fee ($.99/3100 of balance) tD my account. X INtld Flans to EatoH i 49042598000042000045400116 KEI.I.Y GOODUNG 395 AUSON AVE MEGS•IANICSBURG, PA 17055.421)2 HOME DEPOT CREDIT SERViGES PO BOX 182676 COLUMBUS, OH 43218.2676 Prim address ehenpes adore in bh,e a blatlr uJ~ tMOienttion AbatatYtsutAeCaurtt. liaw to Afraid Payfep Iniareat ors Ptacltsses. Your payment due date is at feast 25 days after the cbse of each bitting cycle. We wiG not charge you any interest on ourcttases it you pay your New Liaiance by the payment due date each month. This is called a grace period on ptxchases. It you de not pay the New Ijalance in tuft by the payment due date, you will not get a grace period on purchases anti! yea pay the htew [)glance in full tar two falling cycles in a row. tf you have a balance subje;:t io a deferred Interest, taw APR or Equal Payment Plan promotioW and that promotion expires betbre she payrneht due date. Utat balance (the "excluded promodonal balance") 'ss excluded from fie 8mount you must pay in full to get a grace period. However, you moat sdtl pay amt separately required payment on Uie excluded promotional balance. in billing cycles in which payments ere allocated to deterrod Interest balances first, the dettxted trrterest balance will be reduced before any ether balance on the account Howcvet: you wtq construe to get a grace period an purchascs so bng xs you pay the Nevr Balance less any excluded prorrrodanal balances to toil by the pa}rrent due date each bfiling cycle. We may refer :o deferred interest promotions as No ?ntersst promotions. In addition. certain prortationat afters may take away rte grace parted on purchases. Other promotiorel offers net described above may area aft: w you to nave a grace parted on purchases wittlout havlnp m pay all w a porTien of the promotional balance by the payment duo date. tt either fs tna case, the promotional otter win describe what happera. Httsr We f:elcuM2oYOUr Balanas Stsbjeet to tMer+est Rate. For each balance, the lariat fnllowi; rg LtiE Annual Perceniatte Rate in the interest Charge Calcu4tttoh section on ate hunt of the statement Indicates the method we use tc calculate trterest charges. rot 1Aetltod9 C, H end M, we use a daily balance method (including current transactlarts) to caloutaie Interest charges. f-or Methods 1 and L, we uae an average daily balance matted (including current ;ranseCiions) to ~Iculate interest charges. Far A4ethod K. we use an average daily balance method (excluding curcent transacliarcts) bo calculate interest charges. To find out rnoce inforrnatinn about the balance cnmputaUofr method that applies to your account and how the resutttng interest charges wens determined, cxsMacf us at the ;:f,stomer Service number shown fin the front. Credit Reporting Disputes. N you think we reported inaccurate inform don to acredit t:ur:.au write us a- the Custamcr Service address shc'rvrl an the front. Report a Lost ar Stolen Card immediately. Cart the Customer Servico Wumber s'awr cn the Front. What TO DO ifYpNThlnkYou Flnd a MiataiGaonYour Statement If you thing those is an orr~r on your statomer•L wrsto to us at the Cuatonter Servsce address shown on th6 front to your latter, give us die fc:liawing information: • i. Your Warne and account ~~mba~- • t~t1Rr' amount Tt`e doAar arnotaft of ~ st;spected error. • r : if you think there is an error an ywr bill, dsscri a wttat you sieve is wrong and why you believe it is a nistake. Ycu must contact us within 60 days after dto error appearod on ynur stansment. Yuu must notify us of any potential ernxs in wri ' . You may call its, but it you do we aro not required to invssdgats any potential errrrs and you may have to pay Iha amount ir1 question. Wtule we investigate whulhar rx not there hay been an error, the folbwinp are true: • We cannot try .o collect the amount in que~ion, a report you as detlnquert on B!et amtxtnt . The charge in Guesoarf may remain on your ~:alement, artd we may continue to ctnrge you irrteresl on that arrol int. $ut, v we detarrrirne that we made a mfstalcr, you wit not have b pay the arrlotx;t In questwrl or any inGareat ar rdttar fees related to that amrxnt. . While you do rot haw 1o pay dfe amaurtt in questtxr, ya: am resporslble for the remelnder of your balance. • We can apply arty unpaid arrroutt against your credit imP~ Yore Rights NYau Aro Dlsssliaffed With Yow Cred(t Gtrrd Purchases tf you are dissatisfod with the goods ~ services that you kayo purchased with your credit ; ard, and you trove triad to goad faith to correct rho problem rvtth the merchant, yot: may kayo the fight not to pay +he remaining amount due on the purchase. To use this ri&hL aA of the following must :,e tn:s: 1. T"rfe purchase must have been made in your home state or whhin 100 miles of your currcnt rnallinp aadrnss, and the pumhaso pr'tca must have been mots than $50. {Note: Neither of these are necessary rf your purnttase was based Ctt an advertisement we rr-aiiad to ynu, or if we ovm the co;npanry that sold you the goads or services.) 2.Ynu must kayo itsod your Credit card for the twrcha:.o. i'urchasos made with cash advances front an ATM or with a check. that accesses your credit card accoum do not qualify. 3. You must Wot yes have fatty paid for the purd>~s, If all ;jt the criteria above are met ar:d you are slit( dissatisfied vrfth Ufa purchase, cafttzct sus W wrtdno at the Cuslorner Service address ehavn or fife front. Whsle we InVertigate, life same nile9 apply to the diaputed emoUnt 89 discussed shove. Attar we finish otu ytvestlgatton, wfe wnl raft you our decisiDn. At that point, i(.Ye think ~pu owe an amount end yw do not pay We rrfaY ret~n you as deltrtgl;9ni KEY CREDIT TERMS - NO Mli'EREST iF PAfD iN Fl1Ll. WITFHl1 B A/ONTHS•. ti299 mirfimurn purchase rraquirad. Mintmtun payments required. lrttarsst wiq ba dtargad to year account tram the purchase date if the putshase halsncs (Indudlry premiums for optiond ersdh fnsutrsnaej fs not paid Fn full wfthtn 6 martins or H you atetto a rata paymartt. 'Yltith credit approval for qualiying purchases made en The dome Dr!pot or EXPO Design Center Consumer Grades Card, 17.59% -26.99% APR. tdinirrtum intotost charge: 32. SSco~oo Deed agroerrtms tCU dafaits inciudinp AGR appficablo io ytur. Offx is or!ly valid for consumer acoottnts and 5 subject to ch a without notice. important PaymCrtt Matructiata. Cre~tfrlp PaYrnsnts If we raceua yor:r coat ed paynrmlt in FrUptp form at err procasawtg isclfty by 5 p.m local tlrWa there, ~ wti Me cr~~ied as oty'rat dtry. A payrnorrt received there if open form attar that time w:A be credited as of the War day. Plbw 5 to 7 ~,rs for payrtiettts >rr regular melt to reach ups, Then? may be a delay of up to 5 cat's to cradtsirrr~~ a paytr~n. ova receive L`tal is tar in proper form Ot is trot smart to the rxxract address. l7fe corre+c'. sddr~s is n3gular rso;i is tt.a P.dtflC8S 4'7 trio frarA a` the ymcnt oa~,orf. A paymaft made n-stotC is rot emit W :`ta correct address. ~ tsxta~ address for cocxier a exprte?s rnerl is d-a F.xtxass I'eyrrrents Address shown below. Proper Form. rot a payrtrxy cant by mad ar a7tJrinr W bo in prttat~ tarn, yDir mtJ~ • Ettt~on a vela chedr ~ rrlonay order made oayabb m home D°P~t Caedft Services. No cash. gi' ~, s foreign currarlC} pkaase. • trlrittde your name and accauft : rxnber rxr the front at you ctreCk or nxrrrey order. !M you teed an MtgibN chalk forth stria psyatant aottpon, you autlwt~s us to coatp~l~ y~ptr ~ etactrartlt: dash. ff ws d0. the cheeldrte secottlltl tieNt bs da rd to the amowtt on the WtaeK. We may do Ctlt as soon as the day 11ve racaire Ihs efrer3r. Also, the checir wilt tale destroyed. Fes. We charge ~ ice each COprr of a bifufg staterrfert L'tat dates hack 3 rrro or rrrres. We add the tee 5D a be'iarrce tar otr chaosirg. life rttsenw tt+e rtQnt to acid this fee to balances subject to a t~lter arrue! pc;noantage rife. VYe waive the fee U yore r~uest far the o~py 2letes a biifng error or deQsAed pumtfesa. D- •O6gD1111.96- -000-10-H2~B-ONt3r1f--P-2-3-x196-WOG-0002-N- Payment Options OtlterTttas Reguhr Mall. QrtNrrs PsYmenls. 1Asit myttior:+ede~pGtacaosuttcarW aid sgr. up for f:eu orli+rtE t78ytr1eWt5. E,~'YCd~J; twit iT18y iBkE' a tEYJ 48115.1f VYa reDCivB yC7tlf te({t:@3t to Wake ar online ~ t tn! 5 p.m. Gastem tine, we wiA crecfr't your Gaynfent as of d'•at day and, i~ t wrthtt three business days. li tw receh+e your request to rrakc an onirn^ syrr~ after that (time, we 1pnE crcdi•~ your as of dtc ttetct day and K vvnl post with:W three busfrtess days. Fa securp~raesans, you may oe unable w nsy your entire ~~ Baiarlce v your Srst on Payment •Pap btr Phone Sarvlae. You may, use ttis s art' tune to make a payment by phone, n you' ecctx:rrt is eJtgibla. Y.~u win be charged S149:i W axe ~'+vs si~vice T a repr8.aentap~ve d ours helps ex~ed~e your payrner>f. Ca11 by 5 p.m. i~stern timer tc na+re your paytrte,~E rxadded as of that day and por..tad wihtn Ihme ixrsiness days. It you caA,after that t'ttfe, yox payment wit be aedfcd as oI the Hex's day end postsa wNhiW itrec business delays. tKc may pros~ess ytxx payment elkc:Vontt~ily otter we verify your identity. •F.xprrlss Peytrtems. You can send payment by cornier or a mat to the Express Ptryrrrents Address. This address Es: Cus6orrfer~5erim~,e Center Attenti,xf: Payment b",ail ng, 15~ BWtonttetd Si., Coiurntxs, OH 43228 Payment mast be . i n proper form at ttfe pr-per address by 5 p.m. IoCal tnrts ta be credited a~ of that day. All paymerra received in proper farm at the propa address after that Urrfe x ~ t be aoditad as of ttaG rre~rt day. •irt Btorts Payments. tttr your adclod axlvartienoe, pa}manls r~rr bo n®dn ai the Fume stores x;th no service tea. Payrnsrlts made at the stars prior a tla sore 'rg brnc vf~ ba poked to your arxa.rrt as d that day xt svaslabtlity n>ay be subject ta verf~icattorr of f•,x1ds. kDlEtt JUL1t Page 2 of a Accounf: **'"` "*'* **`* 2749 TRANSACTIONS (cont.) Trans Dab Oesufptbn Refannca! Amount INTEREST CHARGED 09:'t6 W7'EREST CHARGE ON PURCWISES S 75.72 TOTAL. MITEREST FOR TltIS PERIOD S 73.12 Win:;-~ ~-4r...."'~K -se ~~- •:~e:an~•dYa--•~c: a. Y ,r ro'i1 h ~AV..'sIV•~i:• Y. '.:..:Aa'~ ~."L~. .17. Total Fees Charged in 2011 $95.00 Total Interest Charged in 2011 $230.38 INTEREST CHARGE CAL_ Ci2ATION _ Maur Armual__~Par~nntay~a Rata APR is the aMlual Mtlerest rat®on ur axounl 'URCHASES RetroNina t3alanee 21.99°'.0 tM1 54,198. t9 575.72 '~F~~' ~uY 6'~ORIE. SAVE ~o-RE, . • ~ ~•~, Purchase two or store nav+r and s7$ TVMti APPLtANGES . ~~":.~; ~;..r~ exclusive GE Adorn appfiantres ' 3~xJU TNREEatsPltAlit~8 t ~Y ~,,• ,lid • #OG itrtstatttly and save up Its ~ S~QQ rouR At~r.lANCes ~ c1~' ::=~"", Ar-ailable Drily at Ttta Norse DapoRe, the QE Adana sprits otters you trp-tcrdata tectuto{ogy Eutd a:~tmrlirtb aallw OtiOr ~dlld This suite of a~t6alx:ss t~so mcrets at of yDUr kittixtrt nseda - from iortll praserwatiar. to cleanng {,terft:rtstertcs. t3/25/i 1-i 0!1?J11 Upgrade your kitchen appliances now stt The iiarrte Depot . . Visit geappiiancesatlsomt3depat.comlge-adorn ~ \p~ ~' to learn more. ...,...a.~..,.,~....~.s '~'~'~-'~'' -• •~ .~..,~.m.R.~....~...._~..~ 'P1anel~e an instant dleoeu:it on GE Adore aliWtancsa Ptvdbsnd ydweon 612:sr?GI1 anA IOi I?; )6S 1, ark ~acalve art ixtrrn diaownt 0; Site. &rY 1leraa snd rec.lw art aKtatK ~f9694att t.M S1•J0. ssy tOr1r an 8n fnahrt yiacteunt of ~i0~. Aleednun dlt~ourr! t30U. h+cludaa modals GHrJI'i08Yw11J, GNdS other ~Pcn otter. RrYe akxn rterecltne fa+ u~d Irr.. NI any 9CS l~ELp US GIVE ~25,!?t~a `I"O A DESERVlt~G NONPROFIT TI•lR4l.IGH ~tRROlVS iN ACTEOt~f t Around the country, Nome Depot Associates volunteer to restore and rebuild their ComrnunEties. Help L'S de:,ide how to support their projects in need. Learn more and vote at tac~eelwotc.cornhsorned'e~atfaundaiGan. 346 D 20 ~ 1 Horner TIC. 4vc. At ri~eb eC.rervsd. Page 3 of d Ac~~nrrnt• •*** `}*` *"" 2749 ~-a .~ Bt,~Y MC3RE. aAifE lVt~F~~. ~ SAVE UP TO $!0,000` INSTANTLY '' ,, ~. , ON SPECIAL-ORDER CABINETS - 5" ~ fitter va}id August 1 to October 30, 2011 '.{::_ .`' ''f'; .~ ~~:~ Canplete your remodel with our coortfirreted i'rra ad trlleAhe 96ewpt LiringnM ~` ~ -" - .. . .~-•' ~ ~s~..r=rte"~ custom cabkrets, countertops hY Dupontn'r Caciene and cabinet hardware. ~' For easy Dolor Ea61er,~tion match these symbols to coordinate the resi of the >~''°~~ `: room [n s1yb. „t~ :;in .. r Learn more about Martha Stewart LivrngTM cabinets at homedepotCOm/marthakttchens. as' 'ROOo-warinelar~da~-.+rton ait~eracePt P°rlmosdapac~goat ttpr;ms~to.lkmrs A'btt~n5awarl l~rtwr~r 1Koadrnerk. Waltrned. IntMl.Podrt, Ut~Gnc:iarn srd Anrexar+ Cassica brand tahitesx YMtid ~:~sx+ tlh./lU17 aid itY.iGrd)yT arr'y n -he liu~moevncus., R,~ntaea usva., a~~r~rr~~. ~>s r>a ~,m~.,T ~~.. r~,~ ~.~~~-a MARTHA"" .- .. a'a Stitlrr err! rrt5elSdwn lea. See eve aasoc:ds for dahels. bAs J:~ 3twael lJvip the MsAhy 3Wnat t~ and 1'trur ,'~o-> >•rrrne cafe wwry Re Tredorrr9rlm d Merme Stcardr, uMnp donnexln, rc Pon 1as~sre SnaMerr I~uhq amd~x+eb. `~:~~,~ ~, ~ ~ f ~. %4 e«s! Irsc. H fylns rwen9c:. D~nb:dsd tx iionr OsDa U9A. MG 2455 Faors FePry Rd. t:.Y:.. Alkn'a. G49~i9. ~'~3ri~'~` ~r>r. ~ ".~~ ~ ~~"L~~` ~.r.` ~~ Q 2C 11 rkr,,or TLC, hc. At rtrx reamed. ~.63WE~T TOTAL PRt~JECT V~ PRICE GUARA~tTEED' 1NSTALRED' GARPET + PAD + lNSYA~.LATi~~# ^ The Noma Daprrt° offers ycu the hest carpet wa ranties" f n :ne inr+ustry e ;house hum th~xrssrt.75 of crew styl6s find ; olors including exclusive brands a Pius, gst worry-free Inatallaiion backed by The Homy Depot, and the assurance thai our tale project price wiN beat the competition - every lime Or we'B beat the cEer by tt)%, (3uaaniaedi' For mote infortttatlon visit The Home Depot location nearest yvu or homt~egot.cocnit:arpet to schedule a measure. 'Say aaeotmu: iw delaiis. -'Sa5 in wanaairs tar de:HUa. •AU 3rsWkslon eervfcea :xavWad by irsursJ, lioar;srr: jWhpe r•}p'.kyL•W), arW beciground inward <~r indlpOrlOen: con~swcr Tba Horns DePOt auttrorrzad aeni„a pr7sidsrs. tJCenae nurrberS held by Or ar betaM of Tire Hare Depot'3.6.A., InC. ereNebK of u, homadcpoLoorr~'lloavaxarrlpore o: at the Sy~clel Sorvhaoa Doaklr. Ttw Hor.+o Dopot xbrb. IrrstaYstinn mrr.'~c;cc riot &•+e4shb in o~ ororu. n *.w ownt or arf nror, vo 1~r• make every reaaonabb anon W aoccmrnodate our watrxrkx. O'X!r t iA:mer TLC. rrrc. Ar fgta6 rssar+ed. - Page 4 of 4 /~-, CIJStOt1ler $erY1Ca: V myhomedepotaccount.cam ® Account Inquiries: 1-SOG-677-0212 Account Statement sand Nateear Nlro t~rorsarxtCueksrter senlx Ifgtalve b: DOME DEPOT CFtED1T SERYICES Po 8oK 7Si0328, st. ~, MO antra Su of Account Actitri Previous Balance $4 259.80 Pa merits -$0.00 Other Cred'Rs -$0.00 Purchases +$0.00 Fees Charged +;35.00 hrtenst charged +:80.38 New Balance Past Due Amount $4,375.18 ~•~ Credit Limit $7,000.00 Ava~able Credft 52,624.00 Statement Closing Date 10/i7/2011 Next Statement Closing Date 11/16!2011 D sin Bilbn C cle 31 Minimum Pa ment Due $614.00 Payment Due Date November 13, 2011 late Psyment Waning: If uve do not receive your minimum payment by the date listed above, you may have to pay a hate ice up to 535. Utinimsmt Pteyme~ Warning: If you make only the minimum payment each pertoa, you wtn pay more rn mreresr ana rt tivtx carte you monger co pay on your balance. For example: Only the minimum payment 23 years S1o,7a3 3167 3 years 56,015 (Savirgs=$4,718) ff you watld ttko Momtstion about credit counseerrg servkxs. caA t-877.337-8108. Your minimum payment due is 5614.00. To avoid interest charges, pay 34,375.18 by ~St"tYF STAI~Pg, Register now for f'aperless November 13, 2411 (residua{ interest may appy). 1715tJE.. S~tlamenis and rTlCre at APtt7 TFEES! myttOSttedepsttaeGOUtrt.COrri We may tae able to temporarily reduce your monthly payment and interest etiarga. Our Account Resolution Spertialists are availatNe to provide assistance. Please contact us at 1-866752.0874, visit us online at , or go to your local The home Depot store. tAVt~Ra heving Yarr ecccunt is e1 rsk a heirt.3 rt~orlod as pas! due ertd is schcduiod your account to ae closed ir. tt,e near tut;;re. fate wat+tto help you avoldthla. ~~Cccali US tOdBy a~ vve !lave a rtumbsr or soltntons to help you thrcuph the fintmciaE ~ -8w-752-0875 closed! dintc~lty you nrry be fixper'~tcing, but ree must Mar tram you. NOTICE: SEE REVERSE SIDE FOR IMPORTANT WFORMATION Poya 1 of 4 This Account la Iswed by Citlbenk, N.A. ?Please detach this portion and rdrtrn with your peyrnant to insure propel credo. Retain upper potion for your nteords. ~' Make Checks Payable to: HOME DEPOT CREDIT SERVICES t Past Duo Amounr u included in the Minimum Ferment Dw. ,wry ivwnwiwv, ,w:r,,,,w,~_,.. t'~~Yow; Payment Due Date New Balance Past Due Amountt Minimum Payrnertt Due Amount Enclosed w'~• i7,A3. ; NOVEMBER 13, 2011 54,375.18 5454.00 $614.00 $ ?749043751800042000061400101 KELLY GOODLtNG 395 ALlSON AVE MEGHANIGSBURG, PA 17055.4202 HOME DEPOT CREDIT SERVICES PQ 84X 182616 COLUMBUS, OFt 43218.2676 Print adore,: chanpaa above fn Mue m black irYe. Irttormation AboutYOUrAecount. How to Afraid Payfny Interest on Purchases. Your payment due date is at feast 25 days after the close o' each billing cycle. 1rl'e will not charge you any inlayer? on owchases if you pay your New Balance by the payment due date each month. This is called a grace period on pi.7chsses. 1f you do not pay the New [ialance in full by thr pa}arrant due date, you wit! rot g9t a grt:ce period on purchases until you pay the New Qalanca in full for two blHing Cycles in a row. t€ you have a balance subjer~ to a deferred (merest, tY~ .4PR or Equal Payment Plan pronwtion and that promotion expires be*ore the pa}Tnerrt due data, that balance (the "excluded proniodorir:t balance") is excluded from ?he r_mount you rrr~st pay in full to get a grace period. however, you must stftl pay any separately required payment on rte excluded promotional barance. In billing cycles in which paymerris are allocated to deferred interest balances first. the deterred Interest balance will be reduced balers any other balance on the account. However, you vtlil conUnrxr to get a grace period on purchases so long as you pay the Nevi Balance less any excluded prnntOtional balances in full by the pay:r~ent due date each billing cycle. We may refer to deterred krterest promotions as No fntsrest promcUans. In addition, certain promotmnel cfters may [arcs away th,9 ,Trace parted on purchases. Other pramotiona! offers not described above may also allrvr you to have a grace period on purchases without having W pay ail or a por?lon of the prometionai balance by the pa}Knent duo Bete. it aRher is the Asa, the prorr,otlonal offer will describe what happens. Now We Calcutste Your Balance Sub~eat to Interest Rate. I`or each balance, the letter fogawing the Anrxral Peroentage Rate in the interest Charge Calculation section on the irort of the statement indicates the mehod we use is culcuitLte interest charyes. For 44ethods C, H and M, we use a daily balance r*rethod (including current VSi>sacDOns) io calculate :nterest charges. f-or Methods t and L, wa use en ave-age daily balance rrrettrad {including current transactions) to calcuietP 'snterest :.irarges. For Method K, we use en ev~erage dally batancA met'iod {eirciuding current transactions) tq ca~ulate interest charges. To find out more inforrnatiori about the balance cornpulatlan method that applies to your account and frees Uie resuking interest charges were determined, crxitact us at +}ie ;;r.~stomer Service number shown an the front. C~redlt Reporting Diaputesr. If yvu think we reported inaccurate inforniaUon to a credit i:uroau write us at the Custairer Service address stic~+vn cn ttre trvnt. Report a lost ar Stolen Card rmmedialey. Cs111 the Customer Serrico number s`rowr. cn the front. 1Nhat To Do ff Y4xtThink You Find a iNlyda(ae on Your Statsmsm If you thin'r. there is an error on your statement write io us at ire Cuetorner Service address shown on Iha front In your !after, give us the fc9iowuig information: • ~'a~Lt[1LS ~~- Your name and account number. • fit: The ddlar amoirrn d die suspected error. ~f~@ d Problem: if you thing mere is an error an your bti, • ClE3Crr what you believe is munp and why you bailees it is a mistake. You must contact us within 60 clays after iha error ~.pprtared on ynw ste~menl. You rnirs! notify us d any potenliat errors ~ wri ' .You may call us, but tt you ~ vre aro oat required to investigate any pctanUaE errors and ycu they have W pay the erriount in Guestion- Whtle we inves~gate whether or not t.`rere has been an error, the following are true: • V+/e c~nnW fry fo cow Une amount in quenfion, er report yon; as ddlnqu3rt on that amount . 7tte c`mcge in question may remain on your r`:siertre~tt, end we may crxiUriue is charge you irterest on ttutl arr+nurt. Bra, if we determine Thal we made a rnlstatae. you w~l not have to pay the smart In grrestlon or any intRfeBt or other fees related to that amount. . yVhila you do not have to pay the amount in question, }rou aro resporsEb~ for the remainder d yckrr balance, • VJe can apply arty unpaid amount against your crsciit ItmP4 Yew tBghfs ifYou Are DlsatdMNed tilf{!h Yotte Cndlt Card Purchases if you are disseUstlad wNh the goods cr services that you have purchased wide your credit card, and you have tried in good faith to correct the problem wish the merchant, ya: may have the right not to pay he remaining amount due on the purchase. To use this right. taN of the following must be tore: !.The purchase must have been made in your home State orw,,hin 100 miles of your current rrrail:ng aodross, and iho aurcfnsc price must have loco more than S6Q (Naga: Neither of these are necessary it your purchase was based on an advertisrrrnent yre rriailad to you, a if ,ue own ihQ ~orpany that sold you the Qoods cr services.} 2You must have used your crodtl card for the /iunChasO. I'urotiases made with cash advances frortl an ATM or ~rfih a check that accesses your credit card accarrt do not qualify. 3.'fou must :rot vet have rutty paid Eor the pu: chase. 1l all of the criteria above are met aril you are still dissatisfied with the purchase, contact us its miUna at the Customer Ss-vice ocfdress shwvr on the front. While we investigate. the same rules eppy to the dispute9 amount es dlsalssed ekove. Alter we flntsh otrr investlgatlon, wie will left you our deJsion. At i~at point, re eve think you awe an anroimt and you do not pay ura may rspo-E you as detlnquent KEY CREi11TTERMS - ND INTEREST iF PAID !N I~IRL WITHIN 8 NONTHS'.1~ minbwrrrt purs:hase required. Ninlmum payments rsqufrsd. tntsrast wtH ba aftrrprtrt io your account from the purchase data If the purchase tbelanp (indudMq prarniums for aptlonsf credit insurance) is not pskt fn tuff zrlthfn 6 months or H you malts a l~r paymsM. 'V~rh a'edit approve! for quad, ing ourehases made on The Horne depot a EXF+C Design Center Consumer Credit Card, t 7.5996 - 26.99% APr;. Rifiramum intore;t charge: S2. Gard agreement for dcrtans including APR applicable to you. tJitar is Gory valid for rarsurrror acooun?s and is subject to c a+ithout notice. Is~m{i p~~otrtant Payment Instructions, peg baTar.ceaP tl ~r~iourever. Lyou ~P~aY. p!l the pawjrtne~d~9 data, at~a t the minimum pa}vrent dt.~e. Crcdldng frawnara. It we recrsiw~ yy~axr mail~d in proper rgr~n at ow processrrrg c~lity by 5 o.m. local t+•fre may, wrq s credited as of that day A payment rereired Itiere Ki Geer to rr after ttrat time wdq be txedited as d the next day AAox 510 7 days far prryrrieMs byreg.der mail t0 reectr ~~. Ttwre may be a delay of up to 5 Gaya in credtdn a payrxittwro nxsivs That is not in proper forrtr x is nrr4 sent 60 the correct ad~reros. the rxrrraCt s.idress. tM regular rrra~i is Ira: address t>n the Iron[ of the a};neM W~or~. A oavmenl made rrr~store is not aegt fa firs red 2ddnsss. ~ cor-ec't ppddrass forcourier cr express mat s the ass i~yr:lenfe Address shrnvn below, Proper Fem. Per a patyment sort try mat or carter so be in p,'oper him. ;you must; • Flydo~ a valid ct+edc cx rtiortey order made payatbe to items Dept Crad'd Servir.PS. NC c~str, gi" cards, ar foreign currency p1P.ase. • tinr~uude yvr nHCt: and atxtxrrt r>urrrlrer al the trtrrtt trf yen Cfrsdc tr cider. N you send any0atlfRgTpWeafncthock wl~h tltls coupon,~~DO,t~ atrtt ua : tr01n 1rH16s dabKaOr ~ anloltM~pon~tllaNcllaCk.Ylra Itlsy doe soon as t#ra ~t- are receive the cheek. Also, the cirecir wilt be destroyed. Copy Fee.1Ma charge i5 fa each ~ of a bgiing statarrrerx that rfatr+v back 3 rrroriCis a more. 4t%e add tine tee to a i~~arrcx dour droosr~g. Y!e reeerae the rgrght tc sad tYis tae to bafer+cae simJaci m a t~gtrar arrual pacentago ram. we vraMe the fee it you r~uesF for the cq.-y relates to a t>Gng errrir w disprted pu,~v~e. 5!66 -0400 -0002 - {) - -0691:'11-!!8 - -000 - 40 - H278.06+13'11 - - P - 3.4 - N - - Payment Options Other Shan Reaulsr Mall. •aSnt6ta Psymsata• Visit mylrorrrErfepotactnurrt4xnn sid sgr up fa fret, entitle payments. ErtrolfrteM stray talcs a taw days. tress receive your request to rt~ke an oNine by 5~~pp.m. Fastem tiros, we wig credit your of that day and i~ vrilFih twee business days. It we recelwe ~ 'eq~ue~st m make an orgine payrnern alter shat Urtre, wo wtti credit your malt as a~ the Went day and k rw~ post wfth.n ttrrea business days Per recupr~~yy rearm, you may be unable to pay your entire New Balance wrlh }~xr first onArie p,-ynrenL •Pay by Phone Settles. You they, use this service env tine to snake a payment by xxis, if ycrrr acawrd is ahggtla. You vdq ire cYiaiged S1~.95 to rse this service a repreaortative r)f ours tildes exoedHe your payment. Cal by 5 p:m i=astern lkno it have yrur payment craddxed as of theE day and posreo K?thin tt~e business days. if you call ,after (hat Curio, you pavrrent wiA be cxedrted as of f:tie next day erui nosir.~ wNtrirr th~ec twstrress days. Wo may P~~1~ payment e~rc:lrorpc~kv slier we vEriry Yo'?r identity. aynrerts, You can send paymsrr. by courier o^ ex~mar~~ Express PaymarRS Address. This address rs: Cra'tarier 5ervs Attention: i'aynrsnE f~fail 751)0 t3otta,lietd St, ~trntx:s, OH f2?2fl. Payrt,erit mt:st be in proper fomt at trs proper adtlress by 5 p.m. local time m ba cre.7itad es d tfrat da~. Ad payments received in proper farm at the prooctr eddros9 attar that Erne v:; ha crodRed as of the twit day. •In Storo Payrnerrts. Far y<.rur addud axrvarienoe, psy~rrarrts cxrrr ba rr>ado ~ The home i~noM stores u ~h rio service lea. Paym9nts mane at ttre more prig to the s•.orc ~ time ra11 bo posted to }~.r accor.rt as of the; day out avalabili`;r rosy be subject 1D veritiattim d funds. HOfEY OCTt 1 Parse 2 of 4 Account: **** **** *'*' 2749 TRAAfSAC7100YS Trans Dab Dasalption ReterenceB Amount FEES tOH3 LATE FEE S 35.00 TOTAL FEES FOR THIS PERIOD f 38.00 rNTF.REST CHAR6E0 10/17 N~tlEREST CHARiiE ON PURCFWSES S 80.38 TOTAL INTEREST FOR THIS PERIOD :r'vrzx ,Krv.yK.r_.,s• - 9iGA -~71~.r_ Total Fees Charged in 2011 $13000 Tataf Interest Charged in 2011 $310.76 80.38 W7EREST CHARGE CALCULATlA1V Your Agnusl PereerKepe Rea (APRj is the alwptalgt~er _raW On a~roo0nt. .~•srw ~ x. q':' s...+.::n,_,«-, wn'~n-•trtf =..: ~ ,7? `tlEiw. ,r-o.~,,~. ,@y.Yy`Ill~t~~76~y. .~ss..~ ~4,a;sJ, ~;;s~~:Si?~sfal'+~''k ~`7.. Sao/ ,C PURCHASES Revolvi Balance 21.99° M 34 304. t 6 .38 Page 3 of 4 Account: ,.•«' ".,'` •''„ 2749 Pie 4 ad 4 Account Statement ~~ `~ ~l \*i 6 Customer Service: myhomedepotaccount.com ®Account Inquiries_ i-86645E-7683 sa,a Nara elmre ErrasutOCtatomaservitt Yrquria lo: HOME DEPOT CREDR SEI•lVICES PO Bar 790328, St. Lauer, MO 63178 Sum of Account Activi Previous Balance $4 375.18 P merits -$0.00 Other Credits -$0.00 Purchases +$0.00 Facts Charged +S35.oo Irftsrest Charged +579.85 New Balance Past Due Rmount $4,490.03 $614.00 Credit LImM $0.00 Available Credit $OAO Statement Closin Date 11/16/2011 Next Statement Closin Date 1?J16/2011 Da s in Billin C cle 30 Your minimum payment due is 5774.00. Tc avoid interest charges, pay $4,490.0.3 by ~rS!'sitE STAt,APS, Register grow for Paperless December 13„ 2011 (residual interest may apply). ~ TiAAE.. Statements and more at RHD'TFi£ES! rrlvhoatedeootaccourrt,t:om we may be able to temporarily reduce your mouthy payment and interest charge. Our Account Resolution Specialists are available to provide assistance. Please contact us at 1-86&752-0874, visit us online at , or go m your local The Home Depot store. - .~•{'4°~.;: -~. it's amazing how much brighter the season can be whet. your past due y ' „~'=~ ~`'"~ amount is behind you. %t. ~ Taking care of your past due amount now can help you :trs}cry the seastsn. &in(Jinc3 your orxvun: Curren! '• ~ helps ycu avoid tuturo late fees. Cell i-JlA6-6/6~di6s now and rxir travlad AWgtust Syociagstr, wAi hdp you oRpltua your poymanf gstiatr, ,_ Harirg an tqs-to-date accatnf wiA help txiyhten yrxtr treason. So cab ua tcday. Yre'ro flue tc rrrlp you. NOTICE: SEE REVERSE SbE FOR tMPORTAN7 WFORMATION pegs 1 er4 This Recount Is Issued by CMJbank, N.A. • Please detacA tAb portion and rorum whh year payment m irxuro proper credt. Reuin upper Portion br ymrr roeords. Make Cheeks Payable for HOME DEPOT CREDIT SERVICES ~ t Part Dus Amoum is ImN,ded in the Mimnrn Permern ^r. a ~'~: '~ ~.:. ,~,s.~. .., _. qt ~~~, Paymenf Due Date flew lialsinee Past Due Amourrtr Minimum Payment Due Amount F~closed ~7,t18~' DECEMBER 73, 201 t 54,490.03 5614.00 5774.00 3 ?749044900300042000077400102 KELLY GOOOUNO 395 AUSON AVE MECHANICSBURG, PA 17055.4202 Information Minimum Pa ment Due $774.00 Payment Due Date December 13, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to 535. Minimum Payment blaming: If yw make ordy the minimum payment each period, you wiA pay more in interest and it wib take you brger to pay off your balance. For exempla. " ~ s '"".pP.. Ony the minimum payment 23 years 510,772 5171 3 years 36.173 (savings=34.sss1 b you waukl dke 4lormtaYon aboN eredlt carnseGng servlcas, call 1.077-337-01 ell. HOME DEPOT CREDIT SERVICES PO BOX 182676 COLUMBUS, OH 43218-2676 Prim eddras cMnger aheve in bkre or lileek irJc lrltprnlat{t)n AbOUtY4urA000Urtt Fiver to Atroid Paying Interest ors Purcttsses, Your payment due date is 3t least 25 days after the cbSe of each billirg cycle. We will not charge you any interest a.'t Durchases if you pay your Mew [iaiance by the payrrsern due date each month. This is called a grace period on purchases. If you de not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. tf you have a balance subject to a deferred Irnerest, 0•~ APR or Equal Payment Plan prmotion and that protttotion expires before the payment due date, that balance (tfte "excluded prornotb:trxf balance") is exctuded from ttte amount you rrvrst pay in #ult tq get a grace period. However, you must st81 pay any separately requtred payment on tt:e excluded promotional beJtutce. in billing cycles in which payments are allocated to deferred interest balances Rrst. the deferred Inte-est balance Witt be reduced before any Diner balance on the account. However, you will cantllue to gal a grace period on purchases so long as yotr pay the Nevi Balance less any exctuded promotional balances In iti?! try the payment duo data each billing aycfe. tNe may rater to deferred interest promotions as No interest promctians. !n additiah, certain promodortet offers may talcs away the grace petted an purchases. Other promotional offers cwt described above may also show you to have a grace ported on purchases without having to pay ill or a per?ten of the prontettona! balance by the pa)arrent due date. It either Is the use, the promottonat otter wilt describe whet happens. Haw YYe Cslculatt Your Baisnea Subject is Irstar+est Rate. For each balance, the letter foilrrtrirtg the Arrtual Percentage Rate to the Interest Charge Calcukt+aon sectior: on She front of the Statement indicates the me•,ttod we use to calculate interest charges. r=oc 1Aethods C. H and M, we use a daily balance method (inckiding currant traneaoUDns) to calculate tnterest charges. For Medtads !and L, wa use en average deity belarrce method (including current transactions) to calculate interest dtarge5. For Method K, the uSe an average dally balance method {exGudirtg current ttansaClians) t0 calculate interest charges. To find oat more intormatton about t:~se balance computatlan method that applies to your accoc:nt end hoot the resulting interest charges were determined, contact us at ;rte ;:us[omer Service number shown ort the frgtt?. Crodlt Reporting Disputes. H you think we reported inaccurate inforrna}Jan to a credit bureau writs us at the Customer Service address sttctxn on fire frvnl. Report a t.ost or Stolen Carr! Irsmedlataly. Cott the Oustcunttr Sarv+ce number shovm. cn the hoot. 0 INhstTo Oo HYouThtnkYou Fhtd a tWetalas on Your 5tstarnsrtt If you ilvn'r, mere ie an orror on your statomant write to us at rho Cu6;orster Service address sfiown on the front In your letter, give us the falfowatg inFarmaGun: • :Your name and account nurrbar. • Qpfl~r tirt~?t: The dollar amaxrt of rho euspecled error. • .f you think them IS an eROf qn your bat, desai~you be6eva is wrung and wfiry you betie+re tt is a mistake. Ytsu must contact u1; w;lhin BU days after rho error cppoarod on your statarstent. Yau rnuat noiity us of arty pptenti3l errors b wri intr. You may call us, but tt you do wo era not required to investigate any potential errors and you may have to pay Itte amount in question. Whle we irrrastigate whether or nG there has been an error, the toltowitg are ;rue: • we cannot try ;o callerU the amount in quedion, a report you as dtttlrtquer;r on that amaa-t. • 'fie c`terge in question may remain on yov satemartt, end we may carnirwe b charge you interest on That amaurtt. bt:t. H w+e dG,ermine that we made a mistake, you veil nd crave to pay rho amount In qur;Ftlon or any interest or Diller tees related to that amount. . while you do rot have b pay the amount in question, y«; aro responsible for the remainder of your balance. • 1Me Carr apply any urtpeld amount against your cr9dtt lirnfi Your b ItYou An !)Issetlstlad UYtth Yots• Credit Card Purohesea If you era dtssatls rod uvlt the goods or sorvlces t you have purchased with your credit card, and you have tried to good faith to correct the problem with file merchant, you may have the right not to pay the remaining amount due on the purchase. To use this rfgttt, all of the following must :se tree: 1. Tile purchase must have been made in your hd'na &;ate or within 100 mtlas a` your Currrni rrraitin aCidross, and the purchase prCO must have been more titan SEO. Mote: Neither of these are necessary H your purtUtase K~as baead on an advertiserttent rve mailed io yau, or rf t+ue own trio ~rpany that sold you the goods or seMces.) 2. Yau must have tlsad your crodil card for the purohaso. Nurchar>as made with eeah advances from an ATM a with a check that exesses your credit card account do not quality. 3. You must cwt yet have fully paid for the purchase. If all d tfte criteria above are reel 83rd you are still disQatis'ied with the purchase, contact us in rvr17n0 at the Customer Sarvlce address shown tXr the front. While we investigate, the same n:les apply to the disputed amount as dlsct;ssed above. Attar we Mlsh our investigation, tMe wpl tell you our dectsiort. At first point, H we think you ova an amount end you do not pay we may report you as daltnquent IEEY CREDIT TER1f.R - NO INTEREST If PAiD IN FULL YYfTHM ti NONTHS'. it:9a mirtMutm purchase required, Ytinimwn psyntsMS necpslred. Irstsrad will bs t:harpsd !o your account trots the prudtatw date It the purcltscs balance (indtrding premiums for optional credit insurance) is not pdd in tell ttrRMn 8 mornths or It yau tttaks s late psy,3rant. •Ytrth creGt approval for quattfying purchases made an The Home Qepot or EXPO Design Center Consumer CredN Card, 7 7.y3°.i, -26.99?: APR. r~firtimum irtterost charge: its. 500 card agrxmort tnr dotaits including APA appticabfa to yau. tJtfor is only valid for corsurrtor accounts znd is i subject to change without notice. trtstructions. rr Aoaount Y u :nayp~y alt or ;,a-f o! your accrtunt laheyet'. ya must pz~,r, iby 1Ra payma7t dare date, at least fi t'ayte-ee>4s. H tiv~ Bore yau mailed p ut eloper tgrm at o'A rig fagrety av 5 a.m. best time . R lure a cred+teo es of that d~y~ I rerxrved these et agar farm that time wiY be cxedited as ofihe AAa~,t. 5 to 7 Mays far p ~:ymonts by retg~ula{ melt to rcedt tom. 'ttrwc msy 3Y of up t0 5 says rn creCtting a pe .lyTr'tcsrt ta'e rr.+csrva that is trot in proper s rk'+t sent to the vorrect adarrass- to correct adaess fox regular ma0 d +~s oh rite Uont of the a}~ttettt coupon A payr:rent made n~tae is tc lire gorreq adQrtsas. TFa, correct address for counter cr eotpre..s mat fsraper gam. trot s paymer-t se~~t by mat cr easier to be r p,'opr tam, yet must • Flydose a valid check or monrw a'der made prryahte to tiortta Dapat Credit Servt~S. fYc cash, gk« rxrds, ot'loreign cursrxtcy please. • btaiude yes rtar>E cad aoxnxd ntrntrspon~trhee~6rv~n d you c'rt~roJc v n ceder. H you~tu l~~euYt ealtngfpbl~ey~c-heek w+Mh lNsron- fc ~~do, ~ir~ up itxoudt wNl a6 Mbrtaa hi ttw an~aara an tlta ets~ Mte may do lids as noon as the day .re rsoetre the atreoir. Afro, the droek twNl be destroyed. Fee, yMe a'targe:6 for each copy d a bttttQ sfatamert that date6 back 3 cis or rrtore. tAre add the fee tD a be.ame o! our cttoositg. }"le reeeroe the rift to add trtls tea to heterteas sub)aei to a higttor amuat pacerttago taro. tNa tvatva Ute f~ tf you to^uest far Bte mt-'y rebdes to a bipitg errcx or purchase. 4156•G400-0002-D-£-06~D1111•SO- •000.40•Fi27a•OfJ73~11• -P-4-S•N-' Payment Options Other Tlwa Regular ARali. •OrtNrts Psprnants. Visit -rryharrtaolspr#acoowrLcorr+ arto s'gn up for free rxt6ne paprten~. l:,rtroArrtorn +ttey eke a taw dabs, if t+ne reax:v'e y~ttr request to make tY: odlrte by 5 p.rt. F.astem tirti, v~ witt cradtt your pEymcnt as of that day and rt I post wiUtfn three brniness days. If uve rtrttve yau request to rralcc an an:n_ Payrrturi aver that J'ne. tvo wIR rxadit your ~aymcxt as of the next day and it wry post with.n three business days. Fa secwily ,~s~s, you :nay be actable to pay your entire New Balance vrRr your ttat grace pa}r, rent •Pay tsy Phone Serrloe. Yw may, t>ISe tftis service any tir:re io make a payment by torte, i(yaur acccwrR is ehgrttls- Kw rule ire charged Stc,gy to use the service 7 a rep-eaenf<itiMe of o-us helps aK ec~te your payrtror». Call by 5 p.m: r'_artarn torte b have yasr payment rx ed as of that day and pa>.ed x:trrn Ihree business days. tF ~X cap after fttet Yrrte, yol pavmertt troll be cxedited ae d thr nex day and nostcb srNFirt three txis{noss days. Vyc may process yocr payment efec:tranrr~lty actor we verify ycutr tder>:ity. • F.gtrsas Payments. You can send aayrrr„wti by ccur';sr ar e~r~ss mat to the Atteotlon: P I-dtiress. This address is' CtadDmer Service Gertter, Payment M.eil 1500 Battardiatd °,t., Cdumbts, CH X3228. n~ tn~be~s~~letl~as of trial dz~ ~ ~ trs propq address by 5 p.m. local payrnares received in proper form at fns proper addrtsss attar ti'rat t<mc Hi bs redited as at the rtoxt day. •tn t3tors Poyntats. Fer ywr addttd tttrtvcxtienoo, p::ymwrts tam bo made at the -czrte strxes w,tn rte service tea. PayntentE made et Itte store prig to tlto s•,oro 'ng bale vyl bo pastes' to yarn accent as of that Bair but ave$aWiy may be subjrtt;t to veri*icalioa d finds. Hutt ocTit Page 2 of 4 Account: *''** **** **** 2749 TRANSACTIONS Trans Oata Desciption Reference / Amount I-EES Is/t3 IATEFEE 5 35.00 TOTAL FEES FOR THIS PERIOD 36A0 INTEREST CHARGED 11!16 INTEREST GHARGE ON PURCFU0.SES S 79.85 TOTAL INTEREST FOR THIS PERIOD • ~~ ` ~~1i/ay{~cj~r~-wi tws-m,M-arji~^~y}~-ity~;'_ig6~ ~; pyj~. y~ v= Total Fees Charged in 20i 1 $165.00 Total Interest Charged in 2011 $390.61 79.86 11vTEREST CHARGE CALCl1LATtON _ _ Your Annual PerwNa~ Raa (APR L~ the aanu_el pN1 raW~ur ..~l~~.tit>II)iCA~ ~g,;.i.. ~ ~~'.~4.~"{.I'ArM1/1~3. i~8t~@~, '~Meflt'd 't0111wI yQBT~R~ ~i PURCHASES Revohri Balance 2t.99°k M 44418.28 8.85 Page 3 of 4 Account: **** **** **** 2749 Page 4 of 4 1`.\1ti Customer Service: myhomedepotaccourrt.com ® Account Inquiries: 1-866458-7683 Account Statement send Nalcesol euttp Enos and CtskRner seMa ngwrke lo: t10AAE DEPOT CAEDIT SERVICES Po ee~ ~saca, s. ta.ri:, Me sst ~s Summa of Account Activi Previous Balance $4 490.03 P meats -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +535.00 Interest Charged +681.84 New Balance Past Due Amount $4,606.97 $774.00 Credit Limit $0.00 Avatlable Credit $0.00 Statement Closing Date 12/16/2011 Neat Statement Closing Date 01!1712012 Da s in Bildn C cle 30 Your minimum payment due is 5937.00. To avoid Interest charges, pay 54,606.97 by I AVE STAfs4PS, Register now tw Paperless I January 13, 2072 (residual interest may ~frj. TiME.. 5*.atements and more at RAID TiifES± myhontedepntscceunt.car:- It's not too late. We may have the right lode to help you txing your account current. Take advantage of our experience with resoNirtg actuations ssnilar to yours. However, it is urgent that you call ua belay to discuss! Please contact us at 1-866.752-0874, visit us Dodos at , or go to your local The Home Depot store. =' ~=$'4'~~:: ~?~ it's amazing how much brighter the season can be when your past due '' ~ =' ~ ~`'"!! amount is behind u. ~'t. Takfnp carr; of your past due arytcunt now urn help you t'njuy the season. Bri I '~ .~ helps ycu avoid tuturo Isle tees. r'fl~nS your rirxvunt current Cell 1~b86~318-816Q now end rxx Ireinod Account SyociaYsts will hotp yuu oaplcuo your poymont opilms. Having an :rp-to-data account wiN help brighten ycxx season. So rsltf us today. We're here to help yau. NOTICE: SEE AEVERSE SIDE FOR IMPORTANT fNFORMATK)N Page 1 of 4 This Account is Issued by Cltlbank, NA 't' Pkaae detach thk portion and return v+kh your paytrr.m to lrwwe pmrrer credi. Retain upper potion for ywr moords. Make Checks Payable to: HOME DEPOT CREDiT SERVICES t par r1t. 1'nnur :~ i.r,~~r1.A tw rti ut.:.....,., o._..... n._ !F")'onc~A,a7ourrt•i~1 ~ { Payment Due Date New Balsnee Past Oue Amountt Minimum Paymerrt Due Amount Fltelosed 1 ~ :i _. ~E:•:ns_a~S::S+l.. .S~~~a.~e. " JANUARY 13, 2012 54,606.87 5774.00 5937.00 $ 2749046069700042000093700108 KELLY GOODLING 395 ALISON AVE MECNANICSBURO, PA 1 705 5-4 20 2 Minimum Pa meat Due $937.00 Payment Due Data January 13, 2012 Late Payment Warning: ti we do rat receive your minimum payment by the date listed above. you may have to pay a late fee up to Sss. Minimum Paymerrt Warning: It you make only the minanum payment each period you wIU pay more in interest and it will take you k>nger to pay off your balance. For example: - i ~, 'fir 2'7 •i' tY'. i R e Lx ~' 2 Only the minimum payment 23 years Sio,eo2 $tT6 3 years ~'~ (Savings=$4.469) W you would fke YdormaNon sboul erodl oounseing serrkes, cal 1-077-337-818!!. HOME DEPOT CREDIT SERVICES PO BOX 182616 COLUMBUS, OH 4321&2676 Prirtt address ehenges above In blue a aleck ink. fafarmatloa Rhout lour Af'tannt. NsW to Aso1d t trttlreeet M PerNrpees. Your i~aent due date t5 zt leas) $ days a't?i Cie clrrse d each bilkng cycle. t1b wilt nrtt c~is~ ardr ireara5l rxr pardtaes it yen t!a!' your flaw Balarrx bf a+e piyrrrect due date each mardh.7pis is ~Ibd a ~rarx period oa purcl~s. d you der r:.~ pay UtE New Balar:ce in tun C) the pzynrerd doer tlale. yet wit! not get z q~~ pen;rt on pur^,~as~es cvdil you parr the NCw Etar.-roo'sn fug a Mo b0firrg cycles in a row. t rou have a Oafartrn subiact toe dderred'stlerast a Ox APR pprrrtmorion aru! that parrdion does not ex~e brhors the peyanem clot daG+, ttrat tsalarrce (are 'excttrded L~arrr;C') b aclur~d hom the amatrt yorr rrrxt pay In toll ro ~ a Qace Qatari. In addition, p yeru traw a majaJ prp~d~ purr talaara. stet batarrro flh: "axclurfed bdarrce) is eeeNrded from are amount you m' s! pay ~rn 1dl io f~aett a grace ppa~-x~d. Nowave6 you tr+uet edit pay any sepanlety rogrdred payrttem on the e~xtuoed Galartce. In hlllkig cyder la wtddt payments are eliaaled to defened trderest helartees first, the aelened interest +elanrx wit bs rectstxd 6aFae any dher balance on the account However, you will rortkwre to gat a race period on prmisases so lonO ere yeu pay the Nan Palanoe less cry exzlu~d balstces M full by ihs p~metd.due die eaN billing cycle. We may relr:r to dekir~ kr6erest Gramations as No ' pro!rotmns. In addi6ort eermtn prdnotiasal afters dray fake away Gta praca period on purrLrases. Oltrer poaratiorrat cdfers :rot dtntri5ed strove may also atlew tar !o bane a grace ps~arod on G'urcha~s wlth!pR havGrg ro pay alt a a pMlat d the promrefona! hatarce Ly the pagmetd due dale. a eIG'ter Is Ure rase, rbe pmrara7al after later dssrxibe what ttappettlt. Null w. Catddab liatr Baratea 5ahkct b hrtareat Rata. Fa each iatarrce, the t~ tollc+dnq are Aruaml t'erc~ge Rate h InE etterest Ctvage Calcugdon seotron on tla hortl of the rJata'edtt hldEates the rtdhod Met use ro crlrxdate interrst Cl'afgPS. For AtuRladS C, N err! M, i-a ore a tiafiy baierare nefitad (incll:ding nrrent Lroraactlons to catadate irderest rltaraes. Fflr tdtdttods J and t., ws use an avrrago roily balarrea ntearod Ina wrrsrt traraadions) ro sxicuNle ttkareb dta-ges. For rNeakd K ~ use err average daily tyagrsx merhot (exck,dirrg axnsrt trarrsaraiors) to ralprlab interest rlsarg~. Te and out room mbrnsa`ioa about tine tagnce canputation rtret, cd ittR aa~pppkkres to r etcotrrd end Prow the trntrlii^.g inttsost chargDS wore Oderrtrined, contact us at t~is•;amer er-tce rturtber on the front. Credi Re~rrflgg Dhtptae. a Se;u 1t:brk ws resorted I narxurate Irttonration b a credit burrow writs us at Ute t~rStentM 5ervioe address shown m are front. Repent r Lost or Slalae Ctrl tmeredttt6ay. Call tt+e Atxourtt ksquires nsatrber shown on rho trant. IYriat TD DO 0 YiD Flmd ~ llt4>brlb Oa ~.r Sdrfemeat !t yon ttrink there is an Etrnr ma you statarrertt, voile to us at dre addtrb for billing inquiries and rorresporda'+x sttorrrt as Ute NonA d your st~atreta. r year lager, giya us the blrowinti ir:ia~naion: • pocor;rl a:,ytrrrdia+r Your rsma and arccuni mrrrbG. • L>Lllar amaortTlse ddlar arrtdunt d Ure error. • Utscripiion olp+ob/ern.• U you think there is err errs ort your hill, describe why yo-u beieve is wrong and why you halleve it is a mistake. You mull contact us: • Yvfadn 60 days aT'~er the errs appwred an your statarrtarrL • AI rrral3 business Days fxdere an aufarotett payment is sdrrrdrded, it you want to stop payma+! en :he amormt 1•DU thini is wrong. Ycr! Want rt~ty us dxtty pr>fentlat avers in rr. rYlrtp. You rosy Ball is. but a ycu do we are rat rsrmired b Invai!lrate o:+y polerrUat errors znd You nay hays t~ pay are anard in Vsrstlen. Y7rat IYII!llapQeeAlea- iVlr Raals~e t'brrrLdltar Y'ihat we receive year kxer, we roust tb M'C 1. within 30 days of racelvirtg Your ~ we rotor tell you that se recd-~ed yarn !mac We will also tail you A we have alrr~tj caredad Ute error 2. YYdhkt 90 days of ;scekin g your !attar. we must either correct the errs er aarlaln m you why we believe tt~e bill rs rArt~t. Ythlle eve'strvssttpale wtseUs~ or not there hors been an error: • iAns tarrrtot aY to CClket the amorAa in Westion, a r~oAyou as delingtrertt on that amarrtt. • The rd-arg: in queriion my remain on yaw staiemert, and we may raartirere to charge you iraerest on that ant~trrtt. • Wfrile you do rat have to pay !tw emauri In question, you are +espDnsark far the ranainder n1 your ba:attce. • Yre can app!y>m5' unGatd turwurd against your grtdit I'rit. Nla we finish our imedigalion. one o` taro things wfii tuppen: • r a1'rr~'.' d Irri~'e: Yon Mull [rdE ftaYe tQ Gay ate anarrtt in qursllon a cry IrdC1Ci; a Deter Fps :•elated b that amourt. • 11 ws do fret r'rclaieve n5cre rws a rnfsiakr~ You will ta7vc to pay Ure amouK in qurstion, along Mridt applicabe mhr'es! and {eae. Yrge will send you a atalerrrN d GSe arrrouro you owe and the dale yaYrerd a due. VYe r~ Ihen reG~ t you as tfdingrred ii you do rat FqY ttte snood r, arm? ±rnt owe. a Yau receive x~r a>~atlon L~ s6a Geravs your biN is Wrong. ylr., mmt tvriis to us wiarirt 10 daycs to vin us that yet still rett:se to pey it ycu oo ro. we rarusor repon, you as delirrgt>~ wtlt+aa also repttr~Urg ratyer, are asa~ir:rrlr~ yea bltL We oast lal I yet lire fame of erryone to erfirom we reported my r as da6ngrraat. aM we mud I~ trose agarriatiau mow wtwn fha maltar tray ttrwn retried ~ets~r us. U erE dD oat f0 Uow ell o; itte roles above, ±rou der not Save to pay a>e ttrsl S5L' at the ttnsount you yuealktn Dven it yorrr bill is ronlxt. YbsrRlphb R Yorrdrr Dl:wd-islfi~ Nidi Year CrsdR Coed AerhasYa II you aver dtssatLSt'df wim the floods or servtcys mat you haMe purrha.~1 with your cedrt rau6, and You have hied Iff goon latlh t8 cared ttlB D+'eblam with (he n+Br~ you may haws the rigtN rest ro pay the rarairtrng amours ire on the Gurchase. To u.58 Uris riatd, at! of the iolbwring msnf ba 5tr,: 1. Tha purdrasa roust trans Item made ri yew home ~@ a wahin 10D realer al your raurerr, mai5ng ~dtGtS and Usepurdta~ pprrxe m:°st have tkren tno;e than t)5L. (Note: ;Yaidrer os tfrse era rtooes9ay t your purdase xas based ro an ad~eatisortreta we rr~alod ~ yw, arf M8 rnrn the company mat sold yet era goods a acvlxs) 2. You rtl'1:t Iave usM yota aedd ewer to the prrdase t'urchas~ treacle wnb remit advances trorn an ATM or wish a check Ghat aotassee yorr uadit sxd ar;,;orxn do not gralily. 3. You must trot yet have tally paid for tits purr«tase. a ati of tt.e aaaia aGtwe are met and ~eur are sti!i disaatisfirxl wiat the pu;r!!»ra, cerrract ss ir, rNlmrp at tR address for Dllyhp Inquldes and ~r•esporrderrce stwx7 cr the hard d your sa';errrertt Yyhile we inveWgak, the sacra rtrks appy m the disputed amount a discussed above. A!~ YR terkslt err ir-vestigatiorr, entwin tit you our derision. At that pairs, it re IhiNr you o•+ve an amours and you do not pay, we n+ay rep7A yap es deli ngrreta. ltfY tiiEDfT TBfid8 - RO lttiiEREST IF PAtD iR RtLL wifFali 8 fliQlfTttS•. 5299 mhtlmam ptreehaa required. NNttlmtra peymab required. tltiterest teRi he charged to your aerosol from fha puactaw flare n the perehoaa balance thrclndfep protulasn far rsptioryaf credit Iruursnee) k reef pale in hrtt tdthin 8 roeatfre « ii you taake a fate payarsrt. '!Yrdt credit appro+al 1a qualltyDtg purdtases made on The turn DeQd of E%PD Design Ce star i',anarnu Crete Card. 17.99% - 2&.99% APR. M Itar.axT interest ctrage: S'i. Sae cxd agree+7:~tt to detd! Is iackrcartg APA applfrzGk b yo'u. OHa a only valid for tx+naarra arxoures and I: subje~ to dranFe witirou: rn7t'a. IreMarfant Peyresnt lestractimt. Right b Prgay Year Atxouel. You +. pay ail or part Df • accarnt Lak7nDe at any tine. Hoverer, you must pay. bythe p~m;rd drx datz. at least the ndnlmwr. paytaea{;suer. lyeAitiD Payments. tt wa receive your rtr~f bl props form it our r7rel';E,SSirtg tedlHy by 7rat ~ II be O'edbe] ro au next ~ Albrv~d`i-rs torts pa~~>GS Gyieg+dar mail reach us. There may be a delay d sq m 5 dar+s in cred'etng a paymem ws recava ;;tar is rot in proper faro or is red sa;t ro the cared address. The Doffed ad6ess to regular mail is era: add<as ort the trail d the papnentcoupon. Tha crxrrwtaddre;<.b tdr CDtlfWraretrpresQ rftail is thefign~ss Pdytsr~Address strarn bebw. Proper form. For a payrteel sent by man a ogria to be in proper form, you rra,st • Errctrroe a slid rhedr a m:mey ar~rtr rttade payable m Horse Depd Credit Ser~!cra. No casts, gib ®rde, n' ioreipn wrr~ry please. • lncbde your Dame and a~.u:~s rarmber cn Use tract of tour r:`ectt or money order h gar ie4d as sftNttk sMent wRa rids psyrerewt eou on, yw arrtJtorime ua la csmprefe gofer ptr}raNd fay a txbaic debit. K tae do, the chsc~ a txourd edit iK debited is fhrr amoaK mr M etrrdr. yye essay ffi tltft as anon se tlu der ae reaha lire cheeat. Also, the cheek relR be lesfrotrsd. Cwv Fse. Yw cltarQe SS is each ropy a` a blllhrg s~terrre+tt ttal dales tradr 3 mordss a morn We add din Fee to a baiaroe d our dsDifSirg. We reserve Ute right to add this fee ro b~arrrBS subject to a higher trnnuet peradaage rate. iNe wain Ue tea U your regrrGSt for the Dopy rMties to a bfllirrg errs a dtsptiWd purclase. Paymanl Optlana Ottwr Than RaprfarlNetl. •tyeitne Payments. Yrrit myhameabDdaanur>t.corn and sign u0 for free online payments. Enroik~ra+t may take a tsw days n we rr your request ro male an Dniine pavreent by i pm. Eastern tire, wit wtlt erects! yorr payment as of mat day and a will past waisin if+rea Mni>ess days. n we rerPlve yore regrast to maker an oraine payrrrent aner that ifma, we evils credit your Gayntari as d the ngd darn and i< vw,ll ppt within, Ihra tarsiness dare. For seardy raascYn, you may be u,atrla to pay your erdire Hew italar.ce rs1tl; yarn tics! arfirra payment. • Pay by f+hoae Service. Yw rrvry tree Uric smlioe say Ume to male z paytrrorrt G7 DhonD. C Y°U1 at:.ar..t is eligitde. You vdU be charged Si~.95 b rte; this sanace ii a represFxrbt'rve d errs tss~s et~edita yrur payrrtent Cali by 5 pm. Fasten time to have year payment credited as of shat deya7r) pasMd wiasin ffaee Nuskrsrs days. a yvu ~I aher treat forte„ your payntern nilE be aedifed as d the trod dt:ymd pns~ed wUhin iota? ~stness days Nie fray process yetr paymetd etedrontca;ry aRer we verily your ider,!Ty. • Etrpresa hymenb. You ran Serb PaNntnst by auri~x a expos m~E to the Expra~ !'ay;nerrts Add;ass. This address is Cintomv Sertrax Center. Attention: Paynant Mail Opening, tsW so!tcMieM x., Cokrrtrbus, OH 45x18. t'ayrlent trrwst ba rexhrro in proper for;~t at the proper artdtess b!' S pun. Fassern Iirrre to be credited as of that day. W) paymerds received m proper tarn at the proper address alter that Cme wilt be txedtted as of>fie rsgd day. • In-8tere Payments. r'or your added corrrenierue, paymads can bD made el The ttarre th~"a stores, rills rru scrJkre fee. Arty payment in paper fans aaxyrteo ir~,,tore wire ee Dr~led as of lira; Any. FinMrever, rxeda ataiiablay maybe suGjr~: mvcrlacadon Of fords. 701511-8196-0100-0OD2-E oO•D•Od01lf 1.6B~000•P-0-668-08~13N 1 •F12IB-NovnBer t6, 2D71-0 N- HWEIt DEC]t Page 2 of 4 Account: **** **** *''** 2749 rrzarvsacrronrs Trans OaU Dssvtption Reference! Amount FEES 1?Ii3 LATE FEE g ~ Op TOTAL FEES FOR THIS PL3210D 35.00 r>rn~~r I:HARGFD 1?J75 INTEREST CHARGE ON PURCh1ASES g gt,94 TOTAL INTEREST FOR THIS PERIOD S 01.94 -!,~ ~ ..-~ 1>*:~ ~•:. r ~ :.w-:w -~Su«i~. ~ .ya.sra+i~i'!'~ . . ~ .~ ' ..~ y~ Total Fees Charged in 20] ] $200.00 Total Interest Charged in 2011 $472.55 rMTFREST CilARGE CALC(AATION Your Annum Parnnteg~Rate (APR Is the annual ra.... •~ ~~ ~ .re+.a~+,~..wa +yn~~~y~.ca.~ ,...,r-.. -*.-;%f'tj't_t~"` `~",~C`~~ rya ~EfWL f816 011 jlOllr 9L~COIIIII. 7~ ~~. ~s~;r"~'~~s~.'~*;~~,~o'A`tmtl5{:i~~ta"ceLtla aba~ le ' MIB~' ~Rtrter~r` PURCHASES R ce 21.9990 M Sa534.ta t,ga Page 3 of 4 Account: **** **** *'** 2749 Page 4 of 4 ~_- -~~ ~1 ~1i { a. /R Customer Service: V~ myhomedepotaccouM.com ® Account Inquiries: t-8ss~e-/sea Account Statement swsl Nalua III tEnasandcust«nwseevlon Ygttrkab; HOME t7EP0T CREDIT SERVICES PO Boc 79t73Y8, Sa. l.oua, MO 83179 Summa of Account Activi Previous Balance $4 606.97 Pa meats -$0.00 Cnher Credits -$0.00 Purchases +$0.00 Fees Charged +;O.OQ Interest Charged +;Q.pp New Balance Past Due Amount $4,606.97 $937.00 Credit Limft $7,000.00 Avaiable Credit $0.00 Statement Closin Date 01/17/2012 Next Statement Closin Date 02/15/2012 Da s in Bilkn C le 32 Your minimum payment due is 59t14.00. To avoid interest charges, pay 54.606.97 by February 13, 2012. TR"4NS,4CTIONS OVERI=E.AWIPEI.i Get Feperless Statemarts Flt.lc C`.At3fhiETSi and more at ~ myhaastedepat$>rcaunttwm Trans Dats Dasalption Referents ate Amount FEES TOTAL FEES FOR THIS PERIOD S ~ 0.00 mrE~rESr cH"nRCED TOTAL INTEREST FOR TFpS PERIOD S 0.00 0 HD S0 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION _ Pape 1 of 4 This Aec•urrt is Issued Cttlbenk, NA • Please detach Oda ponlon and rdarm wits your payment to 4asuro proper ued'C. Retain upper ponion for your records. hake Checks Payable ta: HOME DEPOT CREDIT SERVICES ... y,,........r .,.,. ,~''Yoyr~+it~~r#ti; }~ i:t:r_ ~.:..._. .e. ~= ~ 'Zt Paymer-t Due Date New Balance past Duc Amount? .. _.___....._-....-.....~. Minimum Payment Due _......~ ...............~..r,....nw Amount Enclosed a, 4B~ .,r. FEBRUARY 13, 2012 Sd,606.97 5937.00 5984,00 $ :2749046069700042000098400100 KELLY GOODLING 395 Al1SON AVE MECHANICSBURG, PA 17055.4202 New Balance $4,fi06.97 Minimum Payment Due $9t34.00 Payment Due Date February 13, 2012 Late Payment Warning: If we do not receive your mirmmum payment t>)r the date listed above, you may have to pay a late tee up >b 535. Minimum Payment Warning: It you make only the minimum payment each period, you wiU pay more in interest and I will take you longer to pay ott your balance. For exatrlple: y~, ~r K Qt2:!' Orly the minimum payment 19 years , ' Sa 607 5128 3 years ~~~ (Savings=30) K you woukl Ike Irafomaatkrn about ererdl eouaueBnp serriaxs, call 1-87T~337-O10C. NOME DEPOT CREDIT SERVICES PO 130X 182676 COLUMBUS; OH 43218-2676 Prim atWreas chan0n above in table or deck ink. taferantiisa rlYaut Y~r Auamn. How to Aeeld Paylnp htb'sat oe Pooheses. Your payraeradrte data Is at f~s125 days after ~ rJnsE of eedt bAGsq cycle tYe will oat drarya eau any irearest an prrrtPasas if you pay your New Balance by the prymsr'd dr.~e dole each erorra>_ This is raged a green perbd on parclases. R you do r;Ct pay the Neer BalaeaBln ht1 Oy ihE p~rrert drrE die, yes wilt nDt get a prate pedod on purfia~ urdi you pay the floe ~tarxa in fuA for l»~o btlAng fides in a tour. 'f rou haver a hatarrrIr sabjed to a deterred inlerESt a t1•» APR pomorirxr and that prrxndioadoes not ~re trctae the payment due dehe, itat txfarce (a:E `Excluded M~laax7 is er~iud~ tram i`ie arnorxd you rcust pay ill trdE b aY a ~ ~"d. hr ada3iboa, R you hays a ma>ar San baLarrx, that belrice late 'Excluded balance - is eroptded from the amount you mist pear is h~ to e1 a ptxep~ lad. HaMaver, you dxla atRl pry anY separ:teiy rerdrdred paymerd on are excluded ~atarrce. to blilkrq ryties M rdiidr paymzrds zre aliotnled b deterred tot ba~rroes fleet. ttre 6~rred irderest Wince trio be t~~ced be[ore any op>er bafartu on the account Howa+er, you ril I tmrsirara 10 Qet a parbd On pueGta;xs ~ Yr>g as you pay the t+tew Balarax less any e>Wlviced baanecs M furl the psymrnt die dale rarh blAlnp iyek. YYe may rater m deterred irden:sl prnn;atta~5 e5 Na Draleohans. in addiliort tafrain promatiaal ofiars may lake array ate gracE prriad an put:hases. Oats prozrotiaral offers trot deauibed above may also s9ow you to have a prey period an purcFa~s wrlfuutt travfnp W pay all err a particn of the prannaonal bztar>cc by the payment due Sate, It elLher u the m34 an prarors>,'ral offer will dasaibe adsat ttaQpera kow Ws Catdete Tout Mrtlaee Sa6}act m btaOteat Rata. Par ~t Marta. th6 Istic bilcrdnp the Aareml ~ Rak h+ t!re hr;zres< Charge Cak.:Aation se~!on on Gre Ironl of tfre ~SmErd irrdi~ the we rise fo alrulale in4enst rltatpes. Fa kteRrods C, H and M, rr, vse a darTy baiati06 mB?ha^ (inC!utifnp CUrrE!d':farlSaCtlalSJt,t0 eelgJlit9 krtaestcfrarges, For ML9h0ds I d[d L, wo USE en avaape dilly batarrCe rtottod (ttlCltr,~ir>g currad tlaiBadfafli) t0 cakulaEa irmarC3l cf>atges. Far Aielhad K wz use an avaape dally hahdrrce rrrotltod (exckrdk>g arresd trerrsactions) to atulam hdare~ ~+rgee To End out more irlbmraian abaa,~t ate lance dprrpuiatior! method that ~aDDuixs la y~oouur acaard znd itaw Me rES!~tfi^q inlenrsl Bergs rWre dctermin~, conlai us at Ctisfomer ~ntcr rruirber on die troat Qredil Raportbp Dlapdtas. if yDU tHrrk we reported Inacctrate kdortialion Ps a a~ii! hureau writs us ~ Ihs Cus+:~ner Service addrasa sitswrr on arE font Report a Loaf a Stolae Card Imeredistaq. Call Lhe Account Inquiries number shaven an fha ircnt. weal 7b Da n too Hmd~ ~+eta Orr ton if yar: think stare is an stmt an yorx statanrErd, rwite to us ai fire address for billing inquiries and caresgord~rCeshown an the lead to your statemerd. h. you lelbr; give us :h3 foeowir+.g irto~rraiion: • Acturrrl inMm+afioa~ :'our Hama and arccrxd rarn4u. • Cellar ama~ny: The Bator astarnt of the suspacEer! amt. • Cwxrrprrx, otpnNr+fxn:lf you arkrk theretsanErrxanytiur bid, describe wt~ }n~.r tieie+R is wcwrq and wry you believe a is z mistake. You must toread rs • V+tiarln t~ days zi'~ the attar aFp®red Dn rove stuecrrertt • At least 3 bits loess days bEtOtE an automited paymerd is Sdred>rbd, if YW want 10 slap payment cr ffl! anrorady'?'J cr!ns itwranD. You mret nodty us a1 airy poten;!et errors In rr,Ylkrp. Yov trayy es1i us. tart a you do w>? are oat raqulrsd b tnvestlgate any poterdial errors L~0 you rtay Craw to pay sie arnard in tarestien. 11!bsl tiirfAAfsppewdlbr iYe Alesliro fi'ew t.atlar when xe rxeire your le:~r, rue must des two thlnps: 1. Within 30 days of reodvl~0 roar feller, riE must 1c1 YDU that wz received your l~r. YVe will ~ teA yov it w>3 tiara alrtrady carErlea Vre error. 2. Yyithin 90 days DI receiving y~ lettu. we must eidrer conaf d>r errs ar aplaln >s you rdR we bdiera the bill a x~i. YytMle rue iar~tigate >Nietlta or trot orate has Deeri an error: • YYe cannot hY b cclkC dre amarrt in gr>sstiaq a rePott you as d°Arrgtrerd on that amaad. • The do+ps in question may rerr2in D!1 your s13o;rrSd, and we may aotiiexxr to :harpe you irden :t en tha<amDUrrt. • 1Mhiie you ~ not lravE to pay the amaurt in qu:sElon, rtes are n:sporrsW~ for the remainder of your Daar>tx. • YWu ran afipy arty unpeldamarad apaast your ,redit limit. Aihr xe trrdsh our irrrestiprtion. are a? irra tlrinps wUt faptren: • ~' YC rrAta Al~iie.' Yau will oat fore b payafe 8lrrotrd in grwsdcn ur arry irdClESf Dr o#ICr furs related (e slat anrotrlt. • N ra do rid lrclkve 65cvx rxas a mislala~ ?bu wilt lave to pay die amount is qucsfioa.:long with appiicabte i;derest and Tees. We wiA send you a Sta>brtesrt of fire arrauru you owe and file data ~r:Kot o due. >NE rr3y dren repxt you es ddinarreri rT yes do trot pay liw:3nraud wt then? »r owe. a ~rs nxiire a: r expgrretien bvt still believe your oil I ~ wraap, You must mite to as within 1Q ~ lE tin as drat yCU still rt:h:se b pay. t`, yyeCn des 50, we rannor report rive 1s de5egrra,~ wti1t~A abo repa~r>g Rantyou arc aualiordnp your bI1L Nk must tat i you Ilia torte o! anyone b whom we rr~oried ~defrr>qurr~t, sort we must let ihnse agatiaatim>s krrDw wtren the rtadar has hraxr sertterf ~s. R ire do oot fa,law all a the rules zbave, wu do oat have to pay 1Fe qr~ ~ of h amorrd you question eren ii you bHl is CaneC: t7~a, A1pDla A 1'anMe Did IYxYi trot l,Yed7f Caeid P~teeirases I! you a;e dlssxRt;ed wgh die peods cr services tlrat you Hare pradru~d rritn yar tread aid, aro you tow hied in good Faith b oared the Droblam with the mer~,tdnt, you Trey Nava die right ne b pay the remanrrq amgrm due err the pur~f'ase. To use fits rigtrt, at! 01 the folloxing rtusF bens: 1. The purchase Host lave bxn rinse in your home stale a within 100 miles at yynna torten: mat Irr>p address, and are ppuurcbase pprrro9 must have Deer more start ~+. ~Nofa; Yeitlter of thesrr are rracassay r yaur purritase was based on an ad~~tisarrrord we rr~lad to Yar, a it we awe the corrparry lha! sold yrrrr the goon a aavitxs.y 2. You mot fteve used yore aed; card br the purdtase. Prrahases made wflh cb,1 adraxes tram an tiTM or wiM a check ttraf aaessm yotr aadit :aid aGGarnt da nor gratify. 3. Yar must oat rat Haw fully paid lot are purc~asa. R aA d tie aia~a above ere mat and you are Sti!i dissattsfmd with are pua;hasa, corral vs i^ wih~rp at 6'u adrtts_~ far billing lnqukies and torRSparrdesce showy En the had of raft s~'~rrrent Y1Rrile;ve invasapia, Elie same rule: apply to the disputer! amorrd as discussed strove. A+.ler we Imrsh orr imnsfigahon we trip Ceti You our aension. A! that pcirr~ A we Think you rcxe an a,'tmur.! and you do Trot pay, we may repottyx: as detlnquerrt. ttFY t:IiEDR T9MilS - R018REREST IF PAID fM FtIEt Wiitipi 6 Ai0MTH5'. S2ft9 mldmutn parcireae nqulred. RRYttomt paroab tequhed. ttelerest arRl be charged to rot tetoaet hats the pert:base date R Ute parches balanss (ltrdediap pnmieera hr aptiorral aedlt haarana) h not paid in fHk >rRhie 6 trrmtirs or q roe stale a lato patmrert. 'N1at cne!,'tt zpproval fa quaiaykrp purt:tnses made on T1>e fkxo Depot a f:XPO Oeslgn Carder Consurei r.,red! Card. 17.9°% - 26.9_ APR. Mtrrlr;ru,T Im~est cha~z: Si. Say card a~trait fa ~ Befalls frrclucinq APR appf{~bla b you. ORa €s o^Iy r~)d for ca~.surer accouns acre is subjxt to flange witi~ut not+a. Irerarlaat Peynart lestraetiaoa. Right to Pry Year Aecorrnt. Yar ray art err part ulyrx~ acooum halan~ ai any fire. However, you mat p:y, by>he payment drx ddz. az I~st the mmirmm {ayraent i~,x. 6ledbrrM Peymeete. a xi roctive your walled ~ to proper brm at Dur gro~ssing FadlBy by >h~ rsK wi d 6e as the rrpd day Allow S~to% 7 da~js br payrtrnts n~ular r~iraRt to reads us. There mdy be a daisy d uD ca 5 days in cadiurtg a paymem we recehra toot is not a proper form err i4 rro[ srnl to arc tarred address. The cartai address fa regular mail is are address an are trord of the paymerd carrpon. The corrixd address for touriarar express teal! rs the Express Payrr!r~ Address stxxrn I1Pdorr. Pro prat Faaa. For a payrttsnl card by mass a Dottier !o f>c is praprr lotrn. you rrerst: • Emdasre a riid checrc a m:rrey arch ntaie payable to Horne f~nl Credo SerAces. No rash, gM raids, or fo:-9ign wnercp ptssse. Paywern DpUeee Otter Taan RaM[larlNeil. •Otlfaa Paylrnett. YCit n~acwrx7tcpn and Sign up far fi'98 online paianerrls. Enroilrssd maY hoot a tort Says. R ws reranre your rust b main, an anCU~e payment hr 5 pm. Fart iirrrr; rot wdl aa",.ir. your pa}fltCrtl as of alai dzy and i1 WIII pnSt vidiur. axes Iaesi;.est days. d w9 receive your regrrESt tC ankh en adire Gaynrxr• spar ati time, wB wAl et•dif you paymsrd as ~ the rtssd datrand g wit I postwiihin Three business days. FDr sEUxily rezsrv>s. you may be u;.able to paY Your etrlre New i3atarrce with you Post on9ne payrrred. • PaY by Pbes 8errtiee_ Yau may use this imhtiv any Brix >Q make 2 paymerd Gy phone, Er your arorrrt is eligible. You wilt he charged ~ i~.s5 b use this servitg it a ralxesorla6ve cf nuts tvdps erpediR yar payment Call by 5 p m. Eastern lima fc have tar payreent credited a, of itrat afar std poafwiwiRin seas br~tess days. R you ~!I uYnrthat Gene, your payrrtertt vw7i beded'ded es of the nerd dEy and pasted en'hin fiRj? bushtess days Yye may pro=ass yr!vr portrait eler~onlcally slier rrE >rSlfy yin iderl fry. • lnr:hde yax rtartie and ar.,ar:7 number on the lard of your l~rpCtl err money order M roe seed ere ~!f~6N Break witb tk@ parraeM roapon you autbotFza ua is eortrylefa y~ PMeMt M eft dabri. M rEe do, tfio checldea assent xfR bs debited in tba aooent to Mrs tdtudr. Mrs oar des tMc ere eoen as tlh dolt >w rtteelra the rdeuk. AI:o, the ebedt w~ 6a desitoyrd. CaMV Fee. ;rYe clmge S5 to each copy a' a hlttfrp sia6dtaent that draw back 3 months a mere. yWe add t~ tae to a baar~ca of our C:ansing. WE rr~rw th rir~td to add rite fEe to ~ifarxas suhjed to z higher annual perDenlige role. YYe rr3ive Ure fee if row rtxfuest far the copy relaes tc a b9tirlp errs ~ 415ptdEd pUrC1a59. rorcat~rss-c~oo~ooaza•az-aodoan,-ae~ooaF-d-~.~-o-oer+y„+rxve-o~•~, rs. xo„-o r~ • 6gtnen taynreeda. Tarr can sa-d payment OY cV mar a er~ress mat to Rte ~xpresr Payaterds Address. This addr>>ss is: Customer ServicE Ceru'er, Atks6on: Payrtrent t~liil Opening, 15(k! Boltcrrtletd x. Columbus, OH 4'x228 t'aymrutt must be received fn proper torn at the propu address by 5 p.m. F~terit time to be created ec of that day. Alt payrraMs rarxfnred in proper fern d the props address afar Ghat ame wilt be txedttx as of are rtod dry. • fa•f3tete PayareMc. rot y our added corneniaoe, paYmerrls cart ~ rrsde zi Tta Hrxr>e Dapa'~ slags, velar ro servioa 1x. Airy paymerd in pmpEr tam actxplee irrtare will be craddrtfld as of rte: oat: However, aedh a'asffiitiy may he sl;t!ie~t tp verltlta:ion of hinds. fiO1E]t 0EC71 r Page 2 of 4 Account: **** '*** **"'* 2749 Page 3 of 4 Account: **** **** **** 2749 Page 4 of 4 Burton Neil & Associates, P.C. By; Edward J. O'Brien, Esquire ID. N0.32985 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff' CITIBANK, N.A. 1N THE COURT OF COMMON PLEAS Plaintiff v. :CUMBERLAND COUNTY, PENNSYLVANIA KELLY GOODLING NO. 12-2028 CNIL TERM Defendant : CNIL ACTION -LAW Certificate of Service I, Edward J. O'Brien, Esquire do hereby certify that I served a true and correct copy of the within First Set of Request for Admissions, Interrogatories and Request for Production of Documents on defendant's counsel, David H. Stone, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Burton Neil & ~ssociate~, P.C. zs ~~~ ~ Date: ~ By: w J. OB ' n, Esquire Attorney for ~aintiff The law firm of Burton Neil & Associates is a debt collector. C-57029 CITIBANK, N.A. vs. KELLY GOODLING Plaintiff, Defendant. Case No. G ,57o a~ AFFIDAVIT SUPPORTING SUMMARY JUDGMENT STATE OF MISSOURI ) ss. COUNTY OF PLATTE ) Before me, the undersigned authority, personally appeared the person identified below, who being by me duly sworn, deposed as follows: 1. My name is ~Y CAO~ I am of sound mind, lawful age and capable of making this Affidavit. The statements set forth in this affidavit are true and correct based on my personal knowledge and review of the business records described herein. I am authorized to make this affidavit on behalf of plaintiff Citibank, N.A. (referred to herein as "Citibank"). Citibank is a National Bank located in Sioux Fafls, South Dakota. 2. I am employed by Citibank. My job title is Document Control Officer. My employment duties include being a custodian of records with respect to accounts owned by Citibank. As a custodian of records, I have knowledge of, and access to, account information and records concerning the defendant's Citibank account number currently ending in 2749, which is the subject of this lawsuit (the "Account"). As a result, I am competent to testify to the matters stated herein. 3. Citibank's records regarding the Account contain the name and billing address of the defendant, the Account number (and predecessor account numbers, if any), the Account's history, which may include charges made, interest and/or fees assessed, payments and/or credits received, and the minimum payment due and the total outstanding balance due on the Account, all of which are collectively referred to as the "Account Information". Exhibit A attached hereto and incorporated herein are copies of the Account statement transaction detail for the period from 6/16/2011 to 12/16/2011 that was sent to the defendant (the "Account Statement"). 4. The Account Information reflects that charges were made on the Account to purchase goods and services and/or obtain cash advances. Defendant was provided periodic billing statements for the Account when there was Account activity, which described the charges on the Account, along with interest, fees, payments, credits and the amount due on the Account. The Account is subject to written terms and conditions, as amended from time to time, which are reflected in the exemplar card agreement attached as Exhibit B along with the Account Statements. Defendant agreed to the terms and conditions by using the Account. 5. Exhibit(s) A and B are business records reflecting information created and maintained by Citibank or its affiliates, in the course of regularly conducted business activity, and are part of the regular practice of Citibank to create and maintain such information, and also were made at the time of the act, transaction, occurrence or event or within a reasonable time thereafter. 6. As reflected in the Account Information, defendant did eventually fail to make required payments on the Account. 7. As a result of defendant's failure to make proper payments on the Account, defendant is presently in default on the Account. 8. The Account Information shows that the Account Statement reciting the amount of the debt was sent to the defendant either by regular mail or by electronic mail. The attached Account Statement does not reflect any outstanding disputes on the Account. 9. As reflected on the attached Account Statement, the balance on the Account is $4,606.97. After the attached Account Statement was sent to the defendant, an additional payment or credit/debit was received on the Account in the amount of $0.00. As of the date of this affidavit, the Account balance of $4,606.97 is due and owing. 10. Citibank's records reflect that defendant opened and/or used the Account and, therefore, to the best of my knowledge, defendant is neither an incompetent, nor a minor. EXHIBIT 3 11. The debt reflected herein is delinquent, past due and remains due and owing. Citibank is the owner of the Account and the party and entity to whom the delinquent debt is owed. I solemnly affirm under the penalties of perjury and upon personal knowledge that the contents of the foregoing paper are true. EXECUTED on , ~~ Signature C,oowy STATE OF MISSOURI ) Name ss. COUNTY O~IATTE ) On this ~ day of ' , 20~efore the undersigned Notary Public in and for the state of Missouri, Coo1sY personally appeared known to me to be the person who executed the Affidavit on behalf of the above-named Plaintiff, and acknowledged to me that he/she executed the same for the purposes therein stated. Notary Public My commission expires: SNELLEY R. BAKER Notary Public -Notary Seal State of Missouri Commissioned for Clay County My Commkasion Expires: Sep. 22, 2012 Commission Number: 08397452 8&ry online with TIN Horror aPa Cnld/t Card et ~ homedepot.trom 1~ Customer Service: myhomedepotaccount.com ® Account Inquiries: ~-eoo-en-ossz Account Statement Sand Ndlad BIINrq Etwa and Ctattorrtsr 9anAa Inqukiss to HOME DEPOT CREDIT SERVICES PO BOx 66.9000, DALLAS TX 752863000 Mai1W payments must ba received by 5:00 PM at the address tar IuymsMS by the payment due date. $4.134.82 Due Payment Due Date July 13, 2011 Late Payment blaming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment blaming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oB your balance. For examole: $7,000.00 ,~ ~ r .~ •pt.~~..i z Credit Limit ~.• • ,t,r . ,r ~ ~ ".~ ' ~x; Z Available Credit $2,865.00 Only the minimum payment 24 years $1 t,089 zl Statement Closing Date 06/16/2011 $1~ 3 years $5,684 _ z Next Statement Closing Date 07/17/2011 (Savings=$5,405) z Da s in Billin C cle g n you woukt Mke informatbn about credit counseNng services, caN 1-877337-8187. z I ~ } Your minimum payment due is $42.00. To avoid interest charges, pay your ~sAVE 57AMPS, Register now for Paperless cQ'i z revolving balance of $4,134.82, plus any promotions expiring this period, by i M TIME.,. Statements and more at n Z Juty 13, 2011 (residual interest may apply). 1 ~ z APIU TREES. myhomedepotstccount.com ~ z Thanks for using your The Home Depot Consumer Credit Cardl Now's the time to continue ~ z using it for all your home improvement projects, big or small. TRAMSACTlONS Trens Dab Dssetiption Rebrenu 8 Amount 06/08 THE HOME DEPOT MECHANICSBURG PA 6185025 343645 $ 4,134.82 KITCHEN AND BATH FLOORING FEES TOTAL FEES FOR THIS PERIOD $ 0.00 Everything you Head to know about your account is here -- in one lAfllat'S on ~Olit ~ easy-to-read statement: account number, payments, fees, interest. billing statement? ~ credit limit, contact Information and mo-e. Please see page 4 for additional information. s NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of B This Account is lasusd by ClGbank (South Dakota), N.A. T Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. '* ~ Make Checks Payable to: HOME DEPOT CREDIT SERVICES t Past Oue Amount is included in the Minimum Payment Due. Yqut Aat~ett Nu~- Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed '~41~'°, ~ July 13, 2011 $4,134.82 $0.00 $42.00 $ Optional Balanw Protector: By initialing, I want to enroll in optional Balance Protector. 061 I received the enclosed Program Summary. Bill the monthly fee ($.99/$100 of balance) to rrty account. X Inttlal Hen to F.nral 2749041348200000000004200110 KBAVHDI3 6J16/11 3297227 w II'llll'I'lllllll'11i1111'II'I'I'II'll'll'I'll'llllll'illllll'lll N KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PROCESSING CENTER DES MOINES, IA 50364-0500 tll"II'I'I'llltlrlllltlll'll'I'1111'lllll'Itlltrllll'rllnlLll) Print address changes above in blue or black ink. A Information About Your Account. How to Avoid Paying Interest on Purohaess. Your payment due date is at least 25 days after the close of each billing cycle- We will not charge you any interest on purchases If you pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in ful! for two billing cycles in a row. If you have a balance subject to a deferred Interest, 096 APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment on the excluded promotional balance. In billing cycles in which payments are allocated to deterred Interest balances first, the deterrod Interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. We may rotor to deterred interest promotions as No Interest promotions. In addition, certain prornotlonal offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all a a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How Yye Calcu~te Your Balance SubNet to Interest Rab. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method (including current Uansactions) to calculate interest charges. For Methods f and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average dally balance method (excluding current transactions) to calculate interest charges. To find out mae infermatian about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at the Customer Service number shown on the front. Credit Reportlrrp Dleputst. If you think we reported inaccurate informatlon to a crodlt bureau write us at the Customer Service addross shown on the front. Report a t.oat or Stolen Card Immediately. Call the Customer Service number shown on the front. MVhsf To Do BYouThlnkYou Flnd a Mhtalos anYour $tabment If you think there is an error on your statement, write to us at the Customer Service address shown on the front. In your letter, give us the folbwing informatlon: • Atad2unt informatlon; Your name and act:ount number. • Collar amourrt: The dollar amount of the suspected error. • d~~ ae w~. If you think there is an error on your bill, you believe is wrong and why you believe it is a mistake. You must contact us wlthln 80 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the folowing are true: • We cannot try to collect the amount in question, a report you as ddtnquent on that amount. . The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mtstake, you will not have to pay the amount In question or any intere~ or other fees related to that amorult. . Whil© you do not have to pay the amount in quosUon, you are responsible for the remainder of your balance, • We can apply any unpaid errlotalt against your credit Ilmft. Yore Rlehb BYou Ara Dleastldkd WMh Your Credit Card Purohaees If you era drsaaUsfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem wfth the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 • The purchase must have been made in your home state or within 100 miles of your current mailin address, and the purchase price must have been more than 550. Nob; Neither of these are necessary 'rf your purchase was based on an advertisement we mailed to you, or if we own the company that sdd you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM a with a check that accesses your credit card account do not qualify. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in rl at the Customer Service address shown on the front. While v+e investigate, the same rules apply to the disputed amount as discussed above. After we finish our Investlgatlon, we will tell ycu our decisan. At that point, 'rf we think you owe an amount and you do not pay we may report you as deUnquent. KEY CREDITTERMS - fr10 INTEREST IF PAID IN FULL Yy1THIN !< MONTHS `, ~ Minimum Purohase Requtrad. MlMmum Payments Required. IMerest will bs charged to Your account from the purchase dab K the purchase babnce {Includlrrp pram ms for optional cndit Insuranp) is not pakl In fuN wMMn d montlrs or If You males a lab psYment. 'With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card, 17.999E - 28.99% APR. Minimum INTEREST CHAt: tit. See card agreement for details Including APR applicable to you. Offer Is only valid for consumer accounts and is subject to chantte without notice. lmportaM Payment Instructions. CredlHny Paynrsnb. I f we receive your mailed.~ayment in proper tam at our processing facitty by 5 p.m. local time there, k un I be q'edited as of that day. A payment received there in proper fam after that lima wit be credited as of the next desy. Allow 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in creddng a paymertt we receive that is rwt in proper form a is not seM to the correct address. The correct address for re~lar mat is the addross ~ the front of the payment coupon. A payment made n-store is not sent ~ the correct sddress. The correct address fa courier a express met is the Express Payments Address shown below. Proper Farm. For a paynX~rK sent try mt~l a cornier to be h proper form, you must • Enelose a vend check a money order made payable to Home Depot Credit Services. No cash, gift cards, a foreign currency please. • Irrcluda your name and account number on the front of your check or money order. It you sand ruyr~slufrglbit cfnclt wNh lids PsYrnsnt cottpon, autltorM us to oom wIM bs ~thi amowN ofir check We~ths dwcklrtg soon a• tM daY rre racehe the ohsek Also, the check wlll~bedealroYed. Copy Fes. We charge 35 fa each copy of a billing statement that dates beck 3 r amore. We add the fee to a ba of our choosing. We reserve the right to add this fee to balances subject m a higher annual percerrtage rate. We waive the fee if yore request fa the copy relates to a bilAng error a dieted purchase. - -0601)11 -98- -000-0•H278-0613/11 - -P-0-0.9196-0400-0002-N Paymsrrt Options OthsrThan Rpular Malt. •OMkre PsYmarb. Visit myiromedepotacaaurfcom and sign up for free online payments. F_nrdlment may take a few days. If we receive your request to make en online payment b5! 5 p.m. them time, we wiN credft your payment as of that day and ~t Nall post within three business days I1 we receive your request to make an onl~e payrnerlt after that tim©, ws wilt crodlt your p as of ttw next day and H will pet wnthin, thee business days. Far securireasons, you may be unable to pay your entire New Balance with your first online payment. •paPyaY Phone Service. You may use this service arty t' to make a this service If a rep nrese~tative of ourstlgelps x~ite~va~ir~ ~1~ .~Ij hus~ y,~n, ~aawrrr urrro W nave your paynleni Cf801[etl a8 Ot U18t day and posted withrn three business d s. If you call after that time, your p ant wig be credited as of the next and posted wlthln three business days. We may process your payment el ranically offer we verify your identity. • Express Payments. You can send payment by courer or a mail to the Express Paymerds Address. This address is: Customer ~Serv-ce Center Attention: Payment Mail 'ng, 1500 Boltonfield St., Columbus, qH 43228: Payment must be In proper form at the proper address by 5 p.m. local time to be credited as of that desy. All payments received in proper form at the proper addross after that time wit he credited as of the next day. •In Storo Payments. Fa Xour added cornenience, payments can tie made at The Home De slor~ vnth no service fee. I'ayrrlents made at the store prior to the store closing time wit be posted to your account as of that day but availability may be subject to verification of funds. Page 2 of 6 HDlEt(JUN1t Account: ~""" """" ~""` 1 ~4~ ' Y~sur new statement: -:Clear. concise'. Eesy: to read. ~ Cllr. Statements are written In everyday lahguags that you'll be able to read and understand. They show you exactly how much you've spent, how much you owe,: when you owe it and how bng it wfllYake you to pay k off. ' Conchlle: The lnformatlon Is "budceted',Into sections that;make Iteesy to find what you're looking for end 1s written In riormaf, everyday language. Easy to read. Not only are the words themselves easier to understand; they're in a larger end easier to read type.l&ce. a.~wiras.~ss~:•ss~w-a~aw,sssss~aw~~a~r~arswwrass~sw~ Summary of Account Activity Monthly account activity-payments, credits, fees, and interest charged Transactlona Account Number/Contact Infornlstlon See clearly the activity that payment Information occurred to create your monthly Your balance, minimum payment and due date balance: purchases, payments Payment Calculator and credits, fees and interest An estimated time it will take to pay off your for the billing period balance when making the minimum payment and how much you should pay each month Promotions Section to pay off your balance in 36 months Customer-friendly summary Account S so you know how your balance ....w.w......._... was calculated and how your ' ~ ~ ~ .. °~''°°~ ' ~"" payments are applied. 't ` ~ +«,:+»'":"''"" ^.eewR-M~6R+MNIN Promotions are also listed ~ o-~:wr~r : rapn~lfon _ suer in the order of expiration ;' _' ~ ~ ~ < , _ »;.';,; Nwi°'`"°' "'•'"" mow. a Dir _.. .w•a.... Fw ~/y ~~ - I~~M~r~Mwi~elwalw haw ~iYSwpMwf Ou iUlw/Iw1\M.nArIM~.rp/. YUMMY/x NM~w 11ywe. M 7w+~• 1M e6Anue ~yw~ .ri wiw. ~wur wnw.tirrwe w'~w+r~.rwdo.~ w.c w ~w.e w.ow w arye wwr rv..r~. y~u M w ibu ' .,du~u wrlwe~ a~r,wp.~ar.r «w~w~,~~ ~i.iti~e".t~ wr~r+ti.re r~ ~ 9990 egrsunr wirerassr _ .. , _,- iwpw~ .++^.. +o ' p,~„ wo ~ ~ i r o~. M sq orar au y..rr rw iruwMM ~ ~ i ~~^ ,` ,.L aw.~ _ ~~~~ .. MOQ~~'~yYp1. IlDOIY'IR ~^,~.wuM4 71{ w~M~^!~~ _ _ ..ate ~ ~~ p ia. . ~ ~~~ .~. ~ wera~~ ' - - _ ,Y ~~ ~° ~~ql ewfus ni+r.rrrw.~MO.wr Pw•o+K •'~ 1d.L1MA~ ~:,• , .. ~ . e~.. 4.1. . . , .. ,~~ "' ~~~"' ` ~ ~ '~ "r"' ~---, ~• Original Tran section Amount ,,... ~ ~ ~ ~ ~ Allows you to reference the , .w~ Y :,,~.~..... , „~.,~.,. original purchase amount ~,,,,,~ w ` ` ' ~~~""~ ~"'~' ~ ,, ;, ~ ~ ~•+ ' New Promotion Balance ,,, ~~~~,,,, .. M ~..• ,,,r.,M.* x.,. ~ Keep track of the amount ~,~,,,,~, ~~ , ~~ M ~~'~ of the original promotional ~~•~~ ""°°"" ~ *~M + ~ «~"~' purchase which remains unpaid M•""~""" tiD/EX FEB 11 Paae 4 of 6 Easy returns without receipts. If you return an item to The Hoare Depot' within 90 days of the original transaction, and don't have your receipt, it's not a problem. We can look it up for you. z z z z z z z z ^z z ~} ~z ~' z oZ c~, z SQ liability on unauthorized charges. If you report an unauthorized charge to your account within 90 days we'll promptly place that charge in dispute while we investigate. During our investigation, you won't be assessed any bank fees for the disputed amount, nor will it affect your available credit. Hassle-free shopping starts at The Homs Depot. , ®2011 Hamer TLC, Inc. All rights roaorooa. More soul More doln ~g• i~ With Paperless Statements, less is really more: less trees being cut down, and a more efficient, secure way for you to view your statements. ~o Paperless and you eon: e Receive an email notification when your statement is ready e View, print and save up to one year of PDF statements immediately >• Request PDFs of past statements {when available) -completely free of charge ^ Set up an email alert for payment due reminde-s h!o stamps tp buy. No mai! to sesnd, Just easy online payments. Register now For Online Bill Pay, Paperless Statements and more at myhornedepotaccount.com. ® 2011 liomer TLC, Inc. All rights reserved. The Home Depot Gift Card is the pertect gift for any occasion. Whether it's for a housewarming, a birthday present or an expression of thanks, it's always the perfect solution. ^ With over 2,100 stores and new lower prices at each one, you know this gift will do more ^ Redeemable in-store and online in the United States, Canada and Mexico ^ Available in any amount from $10 to $5,000 .fir ,` ,~. More saving. Moro doing: y Purchase The Home Depot Gift Card today at your local store or homedepot.com. , ~ ^ No service fee or expiration date ~ 2C11 Hamer TLC, hie All rights reserved. ~~I' More saving. More doing: Page 5 of 6 Account Statement z z z z 8try onlMt~ with rn. apa P~Ilydlt` caild a ~ holmedepot.com R Customer Service: myhomedepotaccount.com ® Account Inquiries: 1-800-87T-0232 StttM Ndbed BIIAtg Errors ertd Cwtetrtw 3etvla Ingtdrlw to HOME DEPOTCREDIT SERVICES PO BOX 863000, DALLAS TX 7526b-3000 A,t.~.~t'rf~lltl5,..~",i ! ~'f+ 49 4 ~. - - , . Summa of Account Activi Previous Balance $4,134.82 Pa ments -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +625.00 Interest Charged +677.99 New Balance Past Due Amount $4,237.81 $42.00 MaikM payments moat hs rocsivsd bV 5:00 PM at the addreea for payments by the payment dos date. Due ,ti - t ,~ ,4 .~. r ~~#!~' Only the minimum payment 24 years $11,115 $162 3 years $5,828 (Savings=$5,289) z z ~z z z z } z ~z oz ru'~i Z Credit Limit $7,000.00 Available Credit $2,762,00 Statement Closing Date 07/17/2011 Next Statement Closing Date 08/17/2011 Da s in Billin C cle 31 New Payment Due Date August 13, 2011 Lats Payment Worming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Waming: If you make onty the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: h you woukt Ake information about credit counseling servk:es, caA 1-877-337.81136. To avoid interest charges, pay your revolving balance plus any promotions expiring this SAME STAIYlPS, Register now for Paperless TIME.,. Statements and more at period, by your due date (residual interest may appty). ANIa `£FiEES! Iftyht]n'tt3depota000Ui!1t.COm Forget to put your payment in the mail? You can make a payment by calling us at 1-868-435-6178, online at myhomedepotaccount.com or at your local The Home Depot store. We're here for you. THE HOME DEPOT' GARDEN CHUB MEMBERSHIP IS FREE .' ::~ Get customzed irtfom,atlan, tips. Dn proJecxs, year-round savings and . ~ , GARDEN CEUB expert answers to all your outdoor garden questlans within 48 hours. ~ ~ Sign up today at hontedepotOardenolub.oom/rpitttbr NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 4 This Account is Issued by ClUbank (South Oakota), NA. T Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. 'P Make Cheeks Payabls to: HOME DEPOT CREDIT SERVICES t Past Due Amount is included in the Minimum Pam t D y en us. ? Yo1+P ikacailrtitiimb~t;~ Payment Due Data New Balance Past Due Amounts Minimum Payrttent Due Amount Enclosed 21'Iit` .~ August 13, 2011 $4,237.81 $42.00 $188.00 $ SAVING HAS NEVER BEEN EASIER AT THE HOME 13EPOT~ Receive incredible values by email. Sign up at Ihomedepot.com/emailoptin. 2749042378100000000018800106 KBAVHDI 2 7/17/11 486288 O ll'1111'I'Illllu'II'I'II'II'I'I'II'll'll'I'll'llllll'illlul'In 1v KELLY GOODLING 0D 395 ALISON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PROCESSING CENTER DES MOINES, IA 50364-0500 tlltlll'I'I'llltlrllll'111'11'1'1111'11111'Irllttllll'tllrtll1111 Print address changes above in blue or black ink. IMormatlon About Your Account. How to Avid Paying Interest on Purchases. Your payment due date is at least 25 days after the close of each billing cycle- We will not charge you any Interest on purchases If you pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a raw. If you have a balance subject to a deferred Interest, 096 APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded prornotlonal balanc©") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payrnont en the excluded promotional balance. In billing cycles in which payments are allocated to deferred Interest balances first, the deferred Interest balance will be reduced before any ether balance an the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. We may refer to deferred interest promotions as No Interest promotions. In addition, certain promadonal offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How nth Calculate Your Balance Subset to Interest Rats. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C. H and M, we use a daily balance method (including current transactions) to calculate interest charges. For Methods I and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average daisy balance method (exclud+ng current transactions) to calculate interest charges. To find out more information about the balance camputatlon method that applies to your account and how the resulting Interest charges were determined, contact us at the Customer Service number shown on the front. Credit Reporting Disputes. If you think we reported inaccurate informadon to a crodlt bureau write us at the Customer Service address shown on the front. Report a Loat or Stolen Card Immediately. Call the Customer Service number shown an the front. O What To Do KYouThlnkYou Find a Mlstatoa on Your Statanant If you think there is an error on your statement, write to us at the Customer Service address shown on the front In your letter, give us the following information: • AL'&lZtlOt.fOft~tl00: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Q5S ~ : If you think there is an erns on your bill, descri a what you believe t8 wrong and why you believe it is a mistake. You must contact us wtthln BO days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but If you do we are not required to Invesdgate any potendal errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report ycu as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, ff we determine that we made a mistake, you will not have to pay the amount In questbn or any interest or other fees related to that amamt. . While you do not have to pay the arraunt in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rklhb KYou An Dlssatldled Wffh Your Cndlt Card Purchases If you are dissatisfied wfth the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made to your home state or within 100 miles of your current mailin address, and the purchase price must have been more than $50. Nob: Neither of these are necessary 'rf your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase, Purchases made with cash advances from en ATM or with a check that accesses your credit card account do not qualify. You must not yet have fully paid for the purchase. If all of the criteria above era met and you are still dissatisfied with the purchase, contact us i rl n at the Customer SaMce address shown on the bout. While we investigate, the same rules apply to the disputed amount as discussed above. Attar we finish our Investlgatlon, we will tell you our decisan. At that point, 'rf we think you owe an amount and you do not pay we may report you as delinquent. KEY CREDIT TERAAS - NO INTEREST IF PAID IN FULL WITHtN tf MONTHS'. tts99 minimum purchase rsqulnd. Minimum psymarb nqulred. Interest will be charged to your account from tM purchaw dab If the purchaes bNsnce (Inducting premiums for optlonel credR insurance) is not paid in /tral wtthln 8 months or M you make a lots payment. "With credit approval for qualifyng purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card, 17.99% - 2f3.99% APR. Minimum interest charge: $2. See card agreement fqr details including APR applicable to you. Offer is only valid for consumer accounts and is subject to chanste without notice. lmporbnt Payment Instruotbns. Cndlting Ferments. If we receive your mailed,payment in proper format our processing taciAty by 5 p.m. local time there, d ~nnll re rxedited as of that day. A payment received there in roper form after that time wIA be credited as of the next day. Albw 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in credrtng a pa t we receive that is not in proper form or is not sent to the correct address. The correct address for regular mat is the address on the front of the payment . A payment made rn-storo is not sent to the correct address. The correct a tees for courier or express mat is the Express Payments Address shown below. Proper Form. For a payment sent by maA or comer b txj h proper form, you must • Enclose a valid check ~ money order made payable to hkxrte Depot Credit Services. No cash, gift cards, or foreign currency please. • Include your name and account number on the front of your check or money order. if you sand an suglbM chedt wMh this payment coupon autltorltoe us to r pa~rmsnt try elsctr+ortb dsMt. M ew the ducldrtg s~ 6s dsbfbd In the sntouM at the cbsdc. Nh may do this as soon as the day ws recsiw the dtedc Also, ilia dntdt will bs destroyed. Copy Fee. We charge ~ for each copy of a btltng statement that dates back 3 months or more. V0e add the tee to a balance of our dloosing. We reserve the right to add this tee to balances subject to a higher annual percentage rate. We waive the fee if your request for the copy relates to a billing error a disputed purchase. D- -06/01/11-98- -000-0-H27B-0613/11- -P-1-2.9198-0400-0002-N Payment Options ObsrThsn Regular Mall. •Online Payments, Yrsit myhanecfepotacaountcan and sign up for free online payments. Enroltnent may take a few days. If we receive your request to make an online payment by 5 p.m. East~xn time, we wit creriit your payment as of that day and ~t Hrrll post within thr~ business days If we receive your request to make an online payment after that time, >,ve writ credft your p mctrlt as of the next day and d will ~t within, three business days. Far ascot' reasons, you may be unable to pay your entire New Balance wdh your first on~ne payment. •Pay Phone Ssrvks. You may use this sFxvrce any time to make a pay by e, 1f your account is eligible. You wiA be charged $14.95 to use this service if a representative of ours helps a your payment- CaA by 5 p m. Eastern time fd have your payment crsd~ of that day and pasted wdhin three business days. If you call after that time, your payment wiA be credited as of the next day and posted wtthln three twsinoss days. We may process your payment electronically after we verify your identity. •F.xprsss Payments. You can send paymerrt i?Y courrer or e~5ervicemaACteoiite~r Express Payments Address. This address rs: Customer Attention: Payment Mail ppe~ening, 1500 Bottonfield SL, Columbus, OH 43228. Payment must be receivedin properform at the proper address by 5 p.m. local time to be credited as of that day. All payments rer~ived n proper form at the ~o ~rodross after that time wiA he crodlt~sd as of the next day. Payments. For your added convenience, payments can be made at The Home De R stores with no service fee. Payments made at the store prior to the store closing dme wAl he posted to your account as of that day but availability may be subject to verification of funds. Page 2 of 4 HOrlE7(JUL11 Account: **'`" ""`* ***" 2749 IMPORTANT NOTICE ABOUT YOUR ACCOUNT Effective July 1, 2011, Citibank (South Dakota}, N.A. is merged into Citibank, N.A. Citibank, N.A., which is located in Sioux Falls, South Dakota, is the new issuer of your account. All references to Citibank (South Dakota), N.A., in your account documentation, including the Card Agreement, and in communications about your account should be deemed m refer to Citibank, N.A. Any optional program provided by Citibank (South Dakota), N.A., is now provided by Citibank, N.A. Z Z Z Z z N Z Z z } z z Z Z o_Z c~ Z TRANSACTIONS Trans Dab Dsacrlption Refaronea * Amount FEES 07/13 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 INTEREST CHARGED 07/17 INTEREST CHARGE ON PURCHASES S 77.99 TOTAL INTEREST FOR THIS PERIOD S 77.99 .rki y,.s4fa y s ,~,~~~ .~. _. ~~~A, iyy-+ ~t ~ v, Total Fees Charged in 2011 $25.00 Total Interest Charged in 2011 $77.99 TION Your Annual Parcantapa Rab (APR Is the annual Interest rate on Your account INTEREST CHARG CAL PURCHASES Revolving Balance 21.99% (M) $4,176.43 $77.99 ~~ ` '~ ~ ~~~~" HiGR PERFC3RMAI'~CE, BIG SAVI~itG5 .~ ~~:4; ~~`F~;~~~: Our 4,100+ Eco Options• products save sner'gy over night, #,~, ~`vrs money over time, and the planet for years to come ~y~Y..s YYY ^ eve up to $100' in reduced water' utility bills when replacing older toilets and faucets with products featuring the WaterSense• logo ~.: to Tdlets are the main source Of water use In the home, accounting for nearly 30%' of an average home's indoor water consumption ^ Replacing rider toilets with WaterSense• labeled models could save ~ .- 11 gallons per toilet in your home, per day -that's nearly 2 billion J~~ '' i '~ i, gallons per day nationwide" Fora "how to" video and to loam ~,<°iS~,~ v;.~ - more visit homedepot.com/taiiets. -"~'~' ` tzx 'Pe- the EPA Wet6r$Anea®Program ~ EM~ . ~ ~ ~ .' ~'' ®2011 Florner 7LC. inc. All rlgtds rnsanred. ,.,~,'„ ~~ ,ik. , .` :r . , ,.;h r ~ 155 Page 3 of 4 GET MORE THAN A NEW HEATING & COOLING SYSTEM ~~`'F~ '~~`'' ~~:a :- GET PEACE OF MIND CREDIT - CALL 1->ti30d-HOMEDEPOT or visit homedepot.com/heatingandcooling °J0~`=~ to schedule an in-home appointmttnt today. ~• ecial [iDgncingfor i2 months on installed ~' ye_;~~i9. o~ /fir Conditlsl~9-P~A~I~s~ ^ Installers with the highest startdards of experjence, Cool~g system tune-up available know-haw, and c~istomer service Get a complete ttme-up of yoLx home's existing cooling system Inckading a 22-point ~ Ail installations are hacked by The Hame DepoY~ inspection by an HVAC spt3c;kaiist". All inst~atbn sarvicos providod by inaurod, IiCenaod (whore applicable) and background screened irxtopendent conVactor The Home Depot Aulttorhed Service Providers. License numbers held by a on behalf of The Home Depot U.S.A. Inc., avaNable at HUMEDEPOT.COM/LIGENSENUMBBIS or at the SpeoNl Services Deck M The Home Depot store. Innatlation services not available b all area. 'Purohaae and install select energy-sevinp p-oduCts han 1!1!11-12/31/11 end You may ~ eligible to receive a federal tax aedlt under the 'Tax Fkllef, Unemployment Insurance Reeuthorhsfbn end Job Cr~tlan Act of 2010". VISIT tiOMFDFPOT.COMIfAxCRFDR 8 CONSULT YOUR TAY(ADVISOR r-oR MORE INFORMATION. "The homeowner or an adult reproexrtntlve (over the ape of 18) must be present al the time ai inapectbn/tune-~. Mil~pe chmgea msy apply it customer is more then 26 miles hom store location. For tune-ups on oA snits an adaHonal S30 lee may be requirod. There may be addiUond \~~ chargaa for rnpalrs ar non-Inckrded Mems. The Homo Deprrt authorized HVAC spedaYafe are prohlbRed tmm worklnp in any cbndklona whk:h, kt the speclaHatk ; opinbn, woukt be unsafe a a oblation of bceVstate codas. Customer b reeponalble for cleaving area around furnace or condenser of arty obatructiaxs. O 2011 Planer Mon TLC, InC. All rlghtt: roserved. t s6 Mwdsa~ Page 4 of 4 ~ tml~ tld/h Customer Service: 11lI itl0ft>M ~ Cld~ft ~~~ ~ myhomedepotaccount.com ® Account Inquiries: ~ homedepot.com R 1-800-677-0232 Account Statement Sand Nader d elnkto Enots end Cwtorrnr s.Mw Inqukiw to HOME DEPOT CREDIT SERVICES PO BOX 653000 DALLAS TX 75265-3000 1f-runv,~Nt,a»161r~ar . 2T49~~ Information New Balance $4 149.08 Minimum Pa ment Due $300.00 Payment Due Date September 13, 2011 Late Payment Warning: if we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Wamfng: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay ott your balance. For example: '~'4~ i} ~t~ ) ~~ fI ~ . !~ ~ ~F ~~ . . ~ Q YY , . ~~ 4' ~ 5 ,~ Only the minimum payment 24 years $10,656 $158 3 years $5,704 (Savings=$4, 952) d you would like Informatbn about credt counselMg services, cad t-877-337-8168. SAVf~ STAMPS. Register now for Paperless Your minimum payment due is $300.00. Your revolving balance is $4,149.08. TIME.,. Statements and more at APlD `i'RIEE5! myhomedepotsccount.com Forget to put your payment in the mail? You can make a payment by calling us at 1-866-435-6176, online at myhomedepotaccount.com or at your local The Home Depot store. We're here for you. TRANSACTIONS Trara Data Description Reference N Amount 07/22 PAYMENT -THANK YOU P9t98008D00YE022L S 42.00- 07/22 THE HOME DEPOT MECHANICSBURCi PA CREDIT 2170836 343645 $ 158.40- KITCHENAND BATH ~ICi i~ITEREST I~ PAID li~l FULL aAIITMIN ~ MONTI~S* on purchases of $299 or more. Minimum payments required. Interest will be charged to your account from the purchase date if the purchase ; `~~ ~ balance (including premiums for optional credit insurance) is not paid in full ,,~,,, within 6 months or if you make a late payment. *See reverse for details. "~'- NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 4 This Account Is Issued by Citibank, N.A. ~' Please detach this portion and return with your payment to insure proper credh. Retain upper portion for your records. 'N Make Checks Payable to: HOME DEPOT CREDIT SERVICES ~ 1 Past Dus Amount is included in the Minimum Payment Due. Your-Accoagf Numbn~. ; ~ Payment Due Date I New Balance I Past Due Amountt I Minimum Payment Due I Amount Enclosed 27~' .:. SEPTEMBER 13, 2011 $4,149.08 $146.00 $300.00 $ GARDEN CLUB ~rrlbers get for tree: ster t274904149D800042000030000107 KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PROCESSING CENTER DES MOINES, IA 50364-0500 Print address changes above in blue or black ink. Credit Limit $7,000.00 Available Credit $2,850.00 Statement Closing Date ~ 08/17/2011 Next Statement Closing Date 09/16/2011 Da s in Billin C cle 31 lntormatlon AtfoutYour Account. How to Avid Paying Inbraat on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the New Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. If you have a balance subject to a deferred Interest, 096 APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment on the excluded promotional balance. In billing cycles in which payments are allocated to doferred Interest balances first, the doferred Interest balance will be reduced before any other balance on the account. Howevor, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each billing cycle. We may refer to deterred interest promotions as No Interest promotions. In addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How YVe Calculate Your t3alance Sut>iset to IrKerest Rats. For each balance, the letter following the Annual Percentage Rate in the Interest Gharge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method {including current transactions) to calculate interest charges. For Methods I and L, we use an average daily balance method {including current transactions) to calculate interest charges. For Method K, we use an average daily balance method {excluding current transactions) to calculate interest charges. To find out more inforrnatian about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us ai the Customer Service number shown on the ficnt. Crsdlt Reporting Dlsputee. If you think we reported inaccurate information to a crodlt bureau write us at the Customer Service address shown on the front. Report a Lost or Stolen Card Immediately. Call the Customer Service number shown on the front. 0 What To Do RYaaIThlnkYou Find a Mlebke onYour Statement If you think there is an error on your statement, write to us of the Customer Service address shown on the front. In your letter, give us the folknving information: • AGfAlJOLIO: Your Warne and account number. • Dollar amount: The dollar amount of the suspected error. • Jed If you think there is an erns on your bill, descri a what you believe is wrong and why you believe it is a mistake. You must contact us wlthln 60 days after the error appeared on your statement. You must notify us of any potential errors In~tcisin0• You may call us, but If you do we are not required to Investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. . The charge in question may remain on yo,u statement, and we may continue to charge you interest on that amount. But, 'rf we determine that we made a mistake, you will not have to pay the amount In questbn or any interest or other fees related to that amount. . While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limft. Your Rl~hh MYou M Dlssetlefled WFth Your CrsdR Card Purchasso If you arc dissatisfied wkh the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the probbm with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 • The purchase must have bean made in your home state or within 100 miles of your currant mailin address, and the purchase price must have been more than $50.Note: Neither of these are necessary 'rf your purchase was based on an advertisement we mailed to you, or if we own the company that add you the goods or services.) 2. You must have used your credit card far the purchase, Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If ail of the criteria above are met and you era still dissatisfied with the purchase, contact us in wrlttna at the Customer Service address shown on the front. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our Investlgatlon, we will tell you our decisan. At that point, ii we think you owe an amount and you do not pay we may report you as delinquent. KEY CREDITTERMS - NO INTEREST IF PAID IN FULL WITHIN 8 MONTHS'. i~E9 minimum purchase requlnd. Minimum paymenb nqulred. Interest will bs chsrged to your account from the purchase deb If the purchase ttalance (tnciudin9 prsmlums for optional eredR fns~anae) is not paid In full wlthln d montlts or If you make a lots payment. 'With credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card, 17.99% - 28.99% APR. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is only valid for consumer accounts and is subject to than a without notice. Important Peyntent Instructions. Croditing Payments. If we receive your mailed.payment in proper format our processing facility by 5 p.m. local time there, tt uwll be aedited as of that day A payment recefvrad there in roper Iorm after that time wiN bo credited as of the next da ,Allow 5 to 7 dare for payments by regular mail to reach us. There may be a de~y of up l0 5 days in credding a payment we receive prat is not in proper form or is not sent to the correct address. The correct address for radar ma0 is the address on the front of the ppaymorrt c . A payment made n-store is not sit to the correct address. The correct a rase fa courier or express ma0 is rho Express Payments Address shown below. Proper Form. Far a payment sent by rr>dl or eerier to be in proper farm, you must • Errcloee a valid check ~ money osier made payable to Homo Depot Credit Services. No cash, gift cards, or foreign currency please. • Irriduds your name and account number on the front of your check or money radar. It you nsaplnd anyoNulglpb~Nyct~tsdt t with this payntsnt coupon, authorba w abi,~c~ourd w~lq bs d~ IWr tiA M the ~wuN w~i h ck YMs ~ d~ soon se the day wr rseMrs the check Also, the cheek will be destroyed. Copy Fee. We charge SS for each copy of a baling statement that dates beck 3 s or more. We add the fee 1a a ba x;e of our choosing. We reserve the right to add this foe to balances subject to a higher annual percentage rate. We waive the Fee "rf your request for the copy relates to a billing error a disputed purchase. Payment Options OtherThsn Regular Mall. •OnIkN Payments. Visit myhomedrspotacaoun[cam and sign up for free online payments. Enrollment may take a few days. If we receive yore request to make an online payment by 5 p.m. t:astern time, we wit crodlt your payment as of that day and d will post within three business days. If we receive your request to make an on(ba payrrrer~ after that time, tive will credit your p moot as of the next day and it wi(I post within three business days. Far security reasons, you may be unable to pay your entire New Balance with your Rrst on me payment. •Pay by Phone Service. You may use ttus servce arty ti to make a payment by phone,rf yore account is eligible. You will be charged X14.95 to use this service if a representative of ours helps expedite your payment. Call by 5 p.m. Eastern time to have your payment credr'tad as of that day and posted within three business d s. If you call after that time, your p ant will be credited as of the next clay and pasted wkMn three business days. We may process your payment electronically after we verity yore identity. •Exprsss Psymertb. You can send payment by couner or expos mat to the Express Payments Address. This addnss is: Customer e5 rvice Center, Attention: Payment Mail 0 rung, 1500 Bdtonfield St., Columbus, OH 43228. Payment must be received In proper form at the proper address by 5 p.m. local time to be credited as of that da ,All payments received in proper form at the proper addross after that time wi~ be credited as of the next day. •In Store Payments. Fror your added corrv~ience, payments can be made at The Home De stores with no service fee. Payments made at the store prior to the store closing time will be posted to your account as of that day but availability may be subject to verification of funds. o - - 06o ui r - sa • - o00 - o - r+z~e - orv r ~> > - - P - r - z - sr ss - oaoo -0002 - rv - Nl)iIEX JUL11 Page 2 of 4 Account: ***" """''` "*"' 2749 TRANSACTIONS cont. Trans Dab Description Rebrencs M Amount FEES S ~ ~ rwi~n 1 ATF FFF __ TOTAL FEES FOR THIS PERIOD : 35.00 INTEREST CHARG D 08!17 INTEREST CMAROE ON PURCHASES S 78'87 TOTAL INTEREST FOR THIS PERIOD S 78.87 Total Fees Charged in 2011 $60.00 Total Interest Charged in 2011 $154.66 YourA Paces Rab(AP INTEREST CHARGE CALCULATION ~5~ 1~ + the annual interest rate on your account, ,.. i,..,;~...v ~ f '~,r.Fw 'a ~" ~~~r gar •,~yn ~d~ai Yt.r~ ~~ - - nnuif ~ q PURCHASES Revolving Balance 21 99"/. (M) $4.106.05 $76.67 REDt~ YOUR k3ATH FOR LESS CHGOSE YOUR VANfTY ..~ PICK YOUR FAUCET SELECT YOUR TILE COORDINATE YOUR PAINT 3 ACCESSORIES r~ .ire _ ,,. ,~~ ~~ ,~ ~, ~' f`w' ~ TRICKS OF THE TRADE PROM OUR DESIGN TEAM ~ ,,. °` ' , ,.° •. ~ ~,~, Whrs Supplies Lest [iij~ Scan tlat• cods with your mobile phone for p « , ~~ ~~ - ~~ cur design team's top tricks, plus ask -~ .. ;,~ '~°" ~ ~ ~ ~ questklns In our How-To Community a and create more bath chokes. V~~ Y ~ cr » ho ~a c ~ . iml s or tspct NDl>snsn msdspot o a visit 36" Northwood Yanity m {ease to download a free app. Combo with Mirror ^ 36.6"W x 16.7"D x 37.6•H More bath choices, more r Colorpoint OHaetTop values at homedepot.cam ~ ~.,'' ^ Full Extension Drawer Olkles ~ uds "ot Indudad. Paces stfsctly~ Juy 2a - September 7.2011, 0 2011 Homer TLC. Ux;. a rtghta reserved. 263 TUOI. RENTAL MADE EASY ^ Having the right tools for your carpet cleaning - ar any other protect -makes all the difference ^ If renting is easier on your budget, simply rent the tools you need at Ths Horrle Depots and get Pro results ^ You can rent tools hourty, daily or weekly and keep them until the project is done Ylslt hamedepot.t:omlrent>sis to find the Toal Rental Center nearest you. ~ ~~>~ ToolRental Tool Rental is trot a~ralable at all The Home Depot bcatioro. D 2011 Homer TLC, Inc. AN rlghb reserved. Page 3 of 4 ~~`'~ zsa Account: ~~"" """" ~"~' 1 /4J .« ,.,,n:~ ;` ~ ~ T~ .-.~,~- `. ~h „ ~~_t L ~~fu, k t1'; ~~M~P91M ? IM'+~. 2se I TRANSFORIeA lt'IOUR Rt7UM !N LESS TIIIAE Let one brush stroke do the work of two wilfi Behr Premium Plus Ultra° Paint and Primer in One ^ 'tT1e only interior Paint and Primer in One rated ~1' by a leading consumer study two years in s row. Md It's only at The Homa iDePot° ^ Behr's Innovative Paint and Primer In One provides vibrant color and superbr coverege with fewer mats ^ It's also avaNable In a stain-blocking oeipng paint, and a durable exterior paint that shields against damage from s~8ght, moisture, stains and dirt. Plus, it creates a new bak that lasts longer Pick up Behr° palM today at your ~ local The Home Depot atom. ~ , ,~ `Paint rated by a 19e~ng Consumer study. Ses store for detaas. SD 2011 Homer TLC. Inc. All rfghb reserved. Page 4 of 4 Account Statement Sartd Nodes d BiI1Np Erras and Ctartsrtter 9arvia Ytqufrlaa tea Buy Oftlirts with T1ul~fN ~t f~1rdK ~„ ~ homedepot.COm R /~ V ® Customer Service: myhomedepotaccount.com Account Inquiries: , -fioo-e»-osss HOME DEPOT CREDIT SERVICES PO Bor 790328, St Loun MO 63179 ~ ,~~a i! _~ L . ~ ~t~ml~ `- ~ , ~'~g<. Summa of Account Actfvi Previous Balance $4,149.08 Pa ments -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +535.00 Interest Charged +;75.72 New Balance Past Due Amount $4,259,80 $300.00 Credit Limit $7,000.00 Available Credit $2,740.00 Statement Closing Date 09/16/2011 Next Statement Closing Date 10/17/2011 Da s in Billin C cle 30 Information New Balance $4 259.80 Minimum Pa ment Due $454.00 Payment Due Date October 13, 2011 Late Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late tee up to $35. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Y~ .•.. •. .. . ~ e ~ryP4.~ . , ~ t ... .t ... .. _ ., , Only the minimum payment 23 years $10,696 $163 3 years $5'856 (Savings=$4, 840) If you woukl Ake Infomtatbn about credt counsedng servk:es, caA 1-877-337-8188. Your minimum payment due is $454.00. To avoid interest charges, pay $4,259.80 by ~+,~ SAME STAMPS, Register now for Paperless October 13, 2011 (residual interest may apply). TIME.,. Statements end rrare at AfVIU TREES! myhomedepotaceourtt.wm Your statement currently reflects a past due amount of $300.00. Our Account Resolution Specialists will be happy ~ help find a solution that works for you. Please contact us at 1-866-752-0874, visit us online at nlyhomedenotaccount.com, or go to your local The Home Depot store. TRANSACTIONS Trans Dab Description Refsnnce tK Amount FEES 09/13 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD S 35.00 Protect your credit ratings Your account is at risk of being reported as pact dw to one or all three of the major credit reporting agencies. A negative incidont on your credit report may damage your credit rating depending on Call US today at your overall credit health. This may affect your ability to purchase things you need or get additional crodit In the future. Wa want to fwip you avoid this.lNe have a number of solutions to hNp you 1'$~518'7~ 59 through the financial difficulty you may be experiencing, but we must hear from you. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pags 1 of 4 This Account is Issued by Ckibank, N.A. ~ Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. 't' Make Checks Payable to: HOME DEPOT CREDIT SERVICES t Past Due Amount is included in the Minimum Payment Due. YqurAcaou~lt~Number< Payment Due Date New Balance Past Due Amountt Minimum Payment Dus Amount Enclosed ~r~'``. OCTOBER 13, 2011 $4,259.80 $300.00 $454.00 $ Optional Balancs Protfctor: By initialing, I want to enroll in optional Balance Protector. 091 I received the enclosed Program Summary. Bill the monthly fee ($.99/x100 of balance) to my account. X Initial Nento Enroll 274904259800DD42000045400116 HOME DEPOT CREDIT SERVICES PO BOX 182676 KELLY GOODLING COLUMBUS, OH 43218-2676 395 ALISON AVE MECHANICSBURG, PA 17055-4202 Print address changes above in blue or black ink. IMormatlon About Your Account How to Av~vM Paying IMsrost on Purchases. Your payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if yew pay your New Balance by the payment due date each month. This is called a grace period on purchases. If you do not pay the Naw 0alance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two bitting cycles in a row. If you have a balance subJoct to a deferred Interest, 096 APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. Howevor, you must still pay any separately requlrod payment on the excluded promotional balance. In billing cycles in which payments are allocated to deferred Interest balances first, the deferred Interest balance will be reduced before any other balance on the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment duo date each billing cycle. Wo may rofer to deferred interest promotions as No Interest promotions. In addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay ail or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How Yye CaiwbU Your Balanco Subject to Inbrost Rata, For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a deify balance method (including current transactions) to calculate interest charges. For Methods I and L, we use an average daily balance method (including current transactions} to calculate interest charges. Far Method K, we use an average dally balance method (excluding current transactions) to calculate interest charges. To find out more information about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at the Customer Service number shown on the front. Credit Reporting Disputes. If you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on the front. Report a Lost or Stolen Card Immediately. Call the Customer Service number shown on the front. O What To Do KYouThlnkYou Flnd a Mlstafoe on Your Statsntent If you think there is an error on your statement, write to us at the Customer Service address shown on the front. In your letter, give us the following information: • Account inforrnatlan: Your Hama and account number. • Dollar amount: The doper amount of the suspected error. • of Problem: If you think there is an error on your bill, desert what you believe is wrong and why you believe it is a mistake. You must contact us wlthln 80 days after the error appeared On your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are Hat required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following aro true: • We cannot try to collect the amount in question, or report you as delinquent on that amount- . The charge in question may rema~ on you statement, and we may continue to charge you interest on that amourN. But,rf we determine that we made a mistake, you will not have tb pay the amount In questbn or any interest or other fees related to that amount. . While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit Itmit. Your Rt9hts Hltou An Dlssatbfled With Your CndR Card Purohassi If you are drssatsfied with the goods or services that you havo purchased with your credit card, and you have tried in good faith to corroct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current maiiin address, and the purchase price must have been more than $50. Nob: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accamt do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above era met and you are still dissatisfied with the purchase, contact us in wrltlna at the Customer Service address shown on the Front. While we investigate, the same rules apply to the disputed amount as discussed above. After we flntsh our Investfgatfon, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. KEY CREDIT TERIIAB - NO Mf1'ERIF.ST IF PAID IN FULL WITHIN 8 MONTHS'. ;299 minimum purchase requlrrd. AAlnlmum paymorrb requlrod. Interest will bs charged to your account from the purchase dab M the purchase balance (Indudin9 promlums for optional credit Insurance) is not paid Fn full wltftM 8 montla or If you mob a lab payment. "With credit approval for quel~fying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card, 17.99% - 26.9996 APR. Minimum interest charge: $2. Sea card agreement for details including APR applicable to you. Offer is only valid for consumer accounts and is subject to than without notice. Important Payment Instructions. Crsditlnp Payment. If we receive your mailed payment in proper format our processing facility by 5 p.m. beat time there, it will be credited as of that day. A payment received tFbre in opor farm after that lima will bo redited as of the next day. Albw 5 to 7 days for payments by regular mail to reach us. There may be a delay el up to 5 days in creddmgg a pa men! we receive that is not in proper form or is not sent to the r~rrect address. correct address for rapular nrai is the address on tho front of the paymerrt coupon. A payment mado rn-shore is not sent to the correct address. The correct address for courier or express mall is the Express Payments Address shown below, Proper Form. For a paymerd sent by mail a oxrier to be h proper form, you musC • ErtcloM- a valid check or matey order made payatrle to Homa Depot Credit Services. No cash, gift cards, a foreign currency please. • Indtkile your name and account number on the front of your check or money order. If y~oou~nspwtd~anyaNulrglpblas~crh~sr~dtc with this PaynNnt coupon, you atnhorlros w accourti wlp bo Nbtted In ttt~e amourN orMi tt~ebsck. VYS~intq docias soon a: the day ws redlw the check Aieo, Ilte eherdc will be destroyed. Coppyy Fee. We ct,arge $5 for each copy of a billing statement that dates bade 3 rnondis a more. We add the fee to a balance of our choosing, We reserve the right to add this fee to balances subject to a higher annual percentage rate, We waive the fee it your request for the copy relates to a billing ernx a disputed purchase. D- -0601/11 -98- -000-40-H27B-06/13711 - -P-2.3-9196.0400-0002-N- Payment Optbns Other Than Regular MNI. •OnlMte Payments, Ysit >r+Yhomedepofaccount:cwn and sign up for free online payments. Errroltment may take a few days. if we receive your request to make an online ayment by 5.p.m. Eastem time, ~ wit credit your payment as of that day and ft well post withn three business days. If wa receive yarr r oast to make an only pe~r~n~ after that time, we will credit your p a of tho next day and it will post within !Fuse business deya. Far escort reasons, you unable to pay your entire New Balance with your first on ne payment. Phone Servke. You may use this service arty time tc make a pa by phone, 'rf your account is eligible, You will be charged $14.95 to use this service rf a representative of ours helps expedrte your payment. Call by 5 p m. Eastern time in have your payrnerrt credttad as of that day and posted within three business days. If you Call offer that lime, your payment wiN I>e credited as of the next aaY and posted wlthln three business days. We may process your payment electronically after we verity your identity, •Expnse Psymertts. You can send paymerrt by courser a e mail to the Express Payments Address. Ttus addr~ is: Customer x e5 rv(re Center, Attention: Payment Mail O Wing, 1500 Bolto-tfield St., Cdumtws, OH 43228. I'aymer'It must be received l~n Proper form at the proper address by 5 p.m. local time to be credited as of that day. All payments received in proper form at the proper addross attar that time wiA be credited as of the next day. •In Storo PsymsMe. Fa your added convenience, payments can be made at The Home De stores with no service fee. Payments made at the store prior tv the store closing time well be posted to your account as of that day but availability may be subject to verification of funds. Page 2 of 4 HD/El(JUL11 Account: ***" **"* **"" 2749 TRANSACTIONS (cont.) Trans Dats Description Reference ar Amount INTEREST CHARGED 09116 INTEREST CHARGE ON PURCHASES $ 75.72 TOTAL INTEREST FOR THIS PERIOD ; 75.72 ~~.~'~ 4'11..,, r, YN .K. .~"~ '._d~ 3i'bY .:ry Total Fees Charged in 2011 $95.00 Total Interest Charged in 2011 $230.38 INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR b the annual interest rate on your account.; ~_,,,r s. ,.,~ ~i~; I PURCHASES Revolving Balance 21.99°fo (M) $4,190.19 $75.72 BUY MORE. SAVE MORE, Purchase two or more new and X75 TtM"O APPLIANCES exclusive aE Adorn appliances x150 TfiR1=E APPt.IANCetH and save up to ~3~0e Instantly s3pp FOUR APPLlAWCfs Avaffat~e only at The Hong Die, the DE Adore series ;' ~~ ~ otters you up-to-date technology and outsitutding value. Ot'!er valid This suite of appliances also meets aA of yiour Idtchen needs -from food preservation 1o Leaning performance. 8/25/11-10/12/11 Upgrade your kitchen appliances now at The Home Depot. _ .. ~ w ' Visit geappllancesathomedepot.aom/ge-adore • • ~ to learn more. °"'"~'~'~" t.:~. 'Receive en (natant dtscount on OE Adore appNencee purohaeed between 8/25!2011 end 10/12/2011. Buy two end receive an Mtant discount of $75. Buy three and receive en (natant dlacotmt of $ta0. Buy four and receive in The Home stores in the us., Riarbo Rico, us V.L, and Guam. Thie offer cannot be cornbnett wish arty other coupon of er. See store aasoclats for detalfa. ®2011 tfornar TLC, Inc. All rights reserved. 345 ~E~p u8 +~ivE $2~,aao TO A DESERVING NONPROFIT THROUGH APRONS IN ACTIC)IV! Around the country, Hvme Depot Associates volunteer to restore and rebuild their communities. Help us decide how to support their projects in need. Lt>,arn more and vote at facebaok.com/hornsdepatfoundsitian. 346 _ _- -,~- - r` ~„~ ;~~ ~OU~fDAT1t7~'tJ Improving homes. Improving lives. ® 2011 Homer TLC. Uw. All rtyttts reserved. Page 3 of 4 Account: **** **** **** 2749 ~~ .r: , BUY #V#ORE, SAVE lIA~3RE. SAVE UP TO 310,000` INSTANTLY ON SPECIAL-ORDER CABINETS ~; Offer valid Augtut 1 to October 30, 2011 ,.~ x '~' Complete your remodel with our coordinated line of Merfh^ t3bewert tJlrirtOTMr custom cabinets, countertops by DupontTM Coriene and cabinet hafdwere. For easy color selection match these symbols to coordinate the rest of the room in style. 1 ...,.~.. ~ ~ ~ ~ J Learn more about Martha Stewart LivingTMf cabinets at hom~depotcom/marthakitchens. 34 7 'Fteceive an iraksd dtscaraft on single receipt pru~hesea of order 1Tomaerils, Decors. ItAarttra 3tevrlrt, American Woodmark, i4aMrid, hnarAAnN, Gistlncliane end An>erman Claeafa arard cabinetry. llald tMetwoan t?/1/Y011 end 10/3d2U11 ony in The Homo Depot U.8., Puerto FRoo. U.8.V.1., and t3usm stores. Oiler b not cornbYrebb and rtwdrnum purottaes amaar era*rdes Ist96 and deirsy and rslrlletion kee. See store sanociele for d~tls. RAerthe Stewart lhNgrr Ure Martha Stewat Logo rr oral Ycxr 'r : r1 i MARTHA~~" Meda ~ ,~, inc. AA reserved. Dreo-lbufed Horne ~"0 InG t,`,opyripht 201, nAenha saawart Uvrrg omnlmedm are ThedernerfQ; of Martha Stewart Orm ~Y W, Atlarte, t3A 30339. .t y r '~ ~r ~' ~ t ~+ 4 ` riphte df' Depot U.S.A., Inc. 2465 Pacxe Rd N. ~ 3 0 2a11 Homer TLC, Inc. AI rlgMe reserved. ~. ~ '~~.' ~ ~ '~ ~',~ `~ ~ ~ ~ LOWEST TOTAL. PROJECT PRICE Gtr1ARANTEED* ~NSTAU.EDI' CARPET + PAD + lNSTAL.L.ATlON ^ The Name Depots offers you the best carpet warranties" in the industry ^ Choose from thousands of new st}Aes and cobra including exclusive brands ^ Plus, get worry-free installation backed by The Noma Depot, and the assurance that our total project price will beat the competition -every time or well beat the offer by 10%, Quaranteedl' For moro Inforrnatlon visit The Home Depot location nearest you or hamadepat.com/carpet to schedule a measure. ~~ ~,r sts 'See associate for detefi3. "Sea IndNidual warranties for details. 4A11 instaNetlon services provkled by insured, Itceneetl (where applicableJ, and beckgreund aoraenad .~ Independent oorrtractor The Home Depot authorized aeMCe provldare. tlcertee numbers t>eld by or on behalf of The Home Depot U.S.A., Irq, evepeble at honwdepol.comNCenarutumbera or atthe 3pocial Services Doak M The Homo Depot store. Inetalletbn awvicoa not eveNebb in aN erase. In the event of en error, we ~ make every reseone6le effort to aocommodata our customer. 02011 Horner TLC, inc. All rigMa reserved. ~~~ Page 4 of 4 Account Statement Seth Nattad @IIMtg Ewan rMtd CwtartlsrSetVlq ktt111ir1w to CUStom@r $@NIC@: HOME DEPOT CREDIT SERVICES myhomedepotaccount.com Po Sox 7tx>32s, st. t.o~i,, MO sane ® Account Inquiries: `-- ~s ~ ~ !: , ~~-_-"` ~. ~ 1-800-877-0232 ~~~ ~`~i "~19< i, pr 375.18 Minimum Pa ment Due $614.00 Payment Due Date November 13, 2011 Late Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Waming: It you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 4 • ~ ~ ~ ~~, Mfr ~ yam:}' ~' f, S j~ ~ c!• A• Only the minimum payment 23 years . $10,733 $167 3 years $6,015 (Savings=$4, 718) tt you would Ake infortnetbn about cradlt caunseNng servk:es, call 1-977-337-8188. Your minimum payment due is $614.00. To avoid interest charges, pay $4,375.18 by ~ SAYS 57AMPS, Register now for Paperiess November 13, 2011 (residual interest may apply). ~ TiME.,. Statements and more at Akira ~'iiE~S! myhom@depotaccourri.com We may be able to temporarity reduce your monihty payment and interest charge. Our Account Resolution Specialists are available to provide assistance. Please contact us at 1-866-752-0874, visit us online at myhomedeno a - -o rnt .om, or g0 to your local The Home Depot store. Avoid having Your acc:otmt is at risk of being reported as past dw and is scheduled ~.: ~ your account to be closed In the near future. We went to hslp you avoid this. Call us today at . ; ; ( We have a number of solutions ro help you through the financial ~ X868'752'0875 `~~ ~ .;,~ closed. difficulty you may be experiencing, but we must hoer from you. onu rv NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ------- Page 1 of 4 This Recount is Issursd Cttibank, N.A. by ----------------------------------------------- ------------------------------------------------- ~ Please detach this portion and return with your payment to insure proper credit. Retain upper ponion for your records. ? ----------- Make Checks Payable to: HOME DEPOT CREDIT SERVICES ~ ~ ~...~...~,~~~,~ , ~nc~we a m me mmrmum raymsnt Uus. YquR':Ascougl:~Iumbp~.', Payment Due Date New Balance Past Due Amounts Minimum Payment Due Amount Enclosed 2T~'"': NOVEMBER 13, 2011 $4,375.18 $454.00 $614.00 $ 2749043751800042000061400101 KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PO BOX 182676 COLUMBUS, OH 43218.2676 Print address changes above in blue or black ink. Credit Limit $7,000.00 Available Credit $2,624.00 Statement Closing Date 10/17/2011 Next Statement Closing Date 11/16/2011 Da s in Billin C cle 31 Iniormatlon About Your Account. How to Arrald PayMq Interest on Purdutesa. Your payment due date is at least 25 days after the close of each billing cycle- We will not charge you any Interest on purchases it you pay your New Balance by the payment due date each month. This la called a grace period on purchases. If you do not pay the Naw Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. If you have a balance subject to a deforrod Interest, 0% APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separatoly required payment on the excluded promotional balance. fn billing cycles in which payments are allocated to deferred Interest belancos first, the daferrod Interest balance will he reduced before any other balance on the account. However, you will continuo to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date oach billing cycle. Wo may rofor to deferred interest promotions as Na Interest promotions. In addition, certain promotional offers may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer wilt describe what happens. How YUe CalcutsbYour Balance t3ub(act fo Intareat Rata. For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C, H and M, we use a daily balance method (including current transactions) to calculate interest charges. For Methods I and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current transactions} to calculate interest charges- To find out more information about the balance computation method that apples to your account and how the resulting Interest charges were determined, contact us at the Customer Service number shown on the font. Credit Reporting Dlaputea. If you think we reported inaccurate informatlon to a crodlt bureau write us at the Customer Service addross shown on the front. Report a Lost or Stolen Card Immediatsty. Call the Customer Service number shown on the front. O What To Do ffYouThlnkYou Flnd a MNtab onYour Statarnent If you think thorn is an orror on your statement, write fo us at the Customer Service address shown on the front. In your letter, give us the folbwing information: • Account information: Your name and account number. • Dollar amount: The dollar amourri of the suspected error. • otl~on at Problem: If you think there is an error on your bill, descri a what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writino. You may call us, but If you do we are not required to Investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following aro true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. . The charge in question may remakt on your statement, and we may continue to charge you interest on that amount. But,rf we determine that we made a mistake, you will not haven pay the amount In question ar any interest or other fees related to that amount. . While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rldlte HYou An Dtaeatlafled WHh your Credit Cab Purchases If you are dissatisfied wdh the goods ar services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the folkrnring must be true: 1. The purchase must have keen made in your home state or within 100 miles of your current mailin address, and the purchase price must have been more than $50. Nob; Neither of these are necessary 'rf your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your Credit card far the purchase. Purchases made with cash advances from an ATM or whh a check that accesses your credit card account do not qualify. You must not yet have Cully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in ri n at the Customer Service address shown on the Front. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our Investlgatlon, we will tall you our decision. At that point, H we chink you owe an amount and you do not pay we may report you as delinquent. KEY CREDITTERMS - NO INTEREST IF PAID IN FULL WITHIN 0 AAONTHS'. i~e9 minimum pu-chasa ntqulnd. Minimum payments roqulrad. tttNrsst wNl ba charSad to your account iron file purdtasa data n the purchase balance (Indudlny premluma br optional cradN tntwranca) Is not paW in IuN within d rrsontlsa or N you mob a late payment "With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Gonsumer Credit Card, 17.99% - 26.99% APR. Minimum interest charge: $2. Sea card agreement for details including APR applicable to you. Offer is only valid for consumer accounts and is subject to change wfthout notice. Instrudlons. r AroosaH. You may pay all or part of your accormt bwr3ver, you must pay, 6y the payment dus dabs, at least CredlNrsE Psjmfarsta. tf wre receive your mailed payment in proper form at our processing tarifdy by 5 p.m. local time there, it unit be cxedited as of that day. A payment recenred there n roper form after that time wiY be credited as of the Hera day. Allow 5 to 7 days for payments by ular mall to reach us. Thera may be a delay of up to 5 days Fn crecflting a pa~it we reaeNa that Is not to proper farm a is not sent oD the correct address. correct address for regular mat is the address on the front of the payment coupon. A payment made rn-store is not sent to the ~orract azidress. The-correrct address for courier or express mail is the t~cprass Payments Address shown below. Proper Form. For a payment sent by mat or courier to be In propor farm, you must: • Endorse a valid check or money order made payable to Home Depot Credit Services. Nc cash, gift cards, rn foreign currency please. • Irrdrsdra your Harare and account rKUrtber on the front of your check or Honey order. II yo~umrte~rlt~dsanyoNulryiWa cheek wph tltla paym~M coupon,lrou authorize us account wNt Ib~a ~t'M amt on dnt~a ~ct~ vw`bma~y do ~a a soon as tits day wa retain file chock. Also, the chadc will ba daapoyad. Copy Fee. We charge tilt for each copy of a t>il ing statement that dates beck 3 months or more. We add the fee to a balance of our droosrtg. We reserve the n''gght to add this free to balances subJoct to a higher annual percentage rate. We wrelve the fee if your request far the copy relates to a billing eROr or dL~wted purchase. 9196.0400.0002-D- -0601/11-98- •000-40-H278-0613 71- -P-3-4-N- - •OPey ~t Options OtharTtean Rpuiar Mdl. online Pets. Visit myfromedepotaccxrunfcan and sign up for free paymerds. Enrollment may take a few days. If we receive your request to make an online payment by 5 .m. Eastern time, we will credit your of that day and d unit post within three business days It we receive your re~ues~t to make an online ppaaymEmt after that tune, we will credit your pa t as of tho next day and i wiN'ost within, three business days. Far security reasons, you may be unable to pay your entire New Balance wdh your first online payment, •Pay Phone Ssrvkfa. You may use this servxs any time to make a pa by phone,rf you account is eNgible. You will be charged $14.95 to use this service rf a representative of ours helps de your payment Call by 5 p.m: Eastern time tD have your payment crt~as of that day and posted wdhrn thn:e business s. If you call after that time, your p ant wiN be credited as of the next~nd posted within three business days. We may process your Payment el ically after we verify your identity. •Estprasa Paymerrq. You can send payrnerd by couner or a mat to the Express Payments Address. This address rs: Customer ~ce Center, Attention: Payment Mail paring, 1500 8oltonfield St., Columbus, OH 43228. Payment must be recenred In proper form at the proper address by 5 p,m. local time to be credited as of that day All payments received in proper form at the proper addross after that time wri be credited as of the next day. •In 3ton Paymanb. For your added convenience, payments can be made at The Home Depo1a stores wrath no service tee. Payments made at the store prior to the store cling time will be posted to your account as of that day but availability may be subject to veriflcatia~ of funds. HDIEIf OCT'ti Page 2 of 4 Account: *"** *"*" *"`** 2749 TRANSACTIONS Trans Date Descrlptlon Ref~-ence N Amount FEES 10/13 LATE FEE S ~ ~ TOTAL FEE8 FOR THIS PERIOD 35.00 INTEREST CHARGED 10/17 INTEREST CHARGE ON PURCHASES 3 ~ ~ TOTAL INTEREST FOR THI8 PERIOD Total Fees Charged in 2011 $130.00 Total Interest Charged in 2011 $310.76 80.38 INTEREST CHARGE CALCULATION o ual sb PR Is Interea ur Ann Peres R (A the annual t rats on your account, t ~ ,.' 3 ~4 .. ~ . - :.. , . } ~, .~..N+tts h rc a ,. PURCHASES Revolving Balance 21.99% (M) $4 304 16 $80 38 Page 3 of 4 Account: **** **"' *"** 2749 Page 4 of 4 Account Statement .~`~ 11 ~~~r~1 ~~~~ /R Customer Service: V myhomedapotaccount.com ® Account Inquiries: 1-888-458-7883 Srstd Ndip d BNINg Error rMd Curtrtanrsr 9sMa Inquklse to: HOME DEPOT CREDIT SERVICES PO Box 790328, St. Louis, MO 63179 = ~ iu~~~, ~`~ i .~ r > ., ~- AtOhICluttL t~~elf~t ~i Q9' ` v. Summarfv of Account Act/vi Previous Balance $4,375.18 Pa marts -$0.00 Other Credits -$0.00 Purchases f$0.00 Fees Charged +635.00 Interest Charged +679.85 New Balance Past Due Amount $4,490.03 $614.00 Credit Limft $0.00 Available Credit $0.00 Statement Closing Date 11/16/2011 Next Statement Closing Date 12/16/2011 Da s in Billin C cle 30 New Balance $4 490.03 Minimum Pa mart Due $774.00 Payment Due Date December 13, 2011 late Payment Waming: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Waming: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oit your balance. For examde: Only the minimum payment 23 years $10,772 $171 3 years $6,173 (Savings=$4,599) n you would Nke infolmetbn about crecEt counseling sarv~es, call 1-877-337-8188. Your minimum payment due is $774.00. To avoid interest charges, pay $4,490,03 by SAVE STAIYIPS, Register now for Paperless December 13, 201 t (residual interest may apply). ~ TiME.,. Statements and more at AAiD TREES! myhomedepotaccount.com We may tie able to temporarily reduce your monthly payment and interest charge. Our Account Resolution Specialists are available to provide assistance. Please contact us at 1-868-752-0874, visit us online at myhomadanetacco rnt mom, or g0 to your local The Home Depot store. ~~~~"4'~~!;-"`~'~ It's amazing how much brighter the season can be when your past due amount is behind you. ~ f t ' Taking care of your past due amount now can hel helps you avoki future late fees. P Y°u enjoy the season. Bringing your account current Call 1-888-818-8188 now and our trained Ar;000r1t Specialists wiN hdp you oxpk)re your payment options. Having an up-to-date erZ'quM will help brighten your season. So cal us today. We're here to help you. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ------- page 1 of 4 This Account is Issued by Citibank, N.A. ----------------------------------------------- --------------------------------------------- • Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. T -------------------- Make Checks Payable to: HOME DEPOT CREDIT SERVICES i roar we rmoum rs mctuae o m the Minimum Payment Dus. Yc~tu'~caur}t't~yrgh*->i Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed 274g~`'. DECEMBER 13, 2011 $4,490.03 $614.00 $774,00 $ 2749044900300042000077400102 KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055-4202 HOME DEPOT CREDIT SERVICES PO BOX 182676 COLUMBUS, OH 43218-2676 Print address changes above in blue or black ink. Information About Your Account. How to Avoid Paytrty Interest on Purchases. Your payment due date is at least 25 days after the cbse of each billing cycle. We will not charge you any Interest on purchases if you pay your New Balance by the payment due date each month- This is called a grace period on purchases. If you do not pay the Naw Balance in full by the payment due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing cycles in a row. If you have a balance subject to a deferred Interest, 0% APR or Equal Payment Plan promotion and that promotion expires before the payment due date, that balance (the "excluded promotional balance") is excluded from the amount you must pay in full to get a grace period. However, you must still pay any separately required payment an the excluded promotional balance. In billing cycles in which payments are allocated to deferred interest balances Hrst, the deterred interest balance will be reduced before any other balance an the account. However, you will continue to get a grace period on purchases so long as you pay the New Balance less any excluded promotional balances in full by the payment due date each b(Iling cycle. We may rotor to deferred interest promotions as No Interest promotions. In addition, certain promotional afters may take away the grace period on purchases. Other promotional offers not described above may also allow you to have a grace period on purchases without having to pay all or a portion of the promotional balance by the payment due date. If either is the case, the promotional offer will describe what happens. How nth CalculsteYour Balance Sutrjsct to Inteeest Rata, For each balance, the letter following the Annual Percentage Rate in the Interest Charge Calculation section on the front of the statement indicates the method we use to calculate interest charges. For Methods C. H and M, we use a daily balance method (including current transactions) to calculate interest charges. For Methods I and L, we use an average daily balance method (including current transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current transactions) to calculate interest charges. To find out more information about the balance computation method that applies to your account and how the resulting interest charges were determined, contact us at the Customer Service number shown on the front. Credit Reporting Disputes. If you think we reported inaccurate information to a credit bureau write us at the Customer Service address shown on the front. Report a Lost or Stolen Card Immediately. Call the Customer Service number shown on the front. What To Do BYouThlnkYou Ftnd a Mhrfab on Your Statement If you think there is an error on your statement, write to us at the Customer Service address shown on the front. In your letter, give us the foAowing information: • AGf~1i0t.10: Your name and account number. • Dollar atrrount: The dollar amount of the suspected error. • Q58 If you think there is an error on your bill, descri a what you believe is wrong and why you believe it is a mrstake. You must contact us within t30 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but If you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delnquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But,rf we determine that we made a mistake, you wIN not have to pay the amount In questbn or any interest or other fees related to that amount. . While you do not have to pay the amount In question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Yotu Rlnhta Hlfbu Aee Dlssetlsfled With Ybur Cnedlt Card Purchases If you are dissatisfied wtlh the goods or services that you have purchased with your credit card, and you have tried in good faith to conect the problem with the merohaM, you may have the right not to pay the remaining amount due on the purchase. To use this right, alt of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your currant mailin address, and the purchase price must have been more than $50. Nob: Neither of these are necessary 'rf your purchase was based on an advertisement we mailed to you, or if we awn the company that sold you the goads or services.) 2. You must have used your Credit Card for the purchase. Purchases made with cash advances from an ATM ar wRh a check that accesses your credit card acca~nt do not qualify. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us In wr( at the Customer Service address shown on the Front. While we investigate, the same rules apply to the disputed amount as discussed above. After we flntsh our irrvestlgatlon, we will tell you our decision. At that point, H we think you owe an amount and you do not pay we may report you as delinquent. KEY CREDIT TERM8 - NO WTEREBT !F PAiD IN FULL tIYITHIN d MONTHS'. _~ minlmwn purchase requtnd. Minimum paymsrtts required. Interest w81 bs charpsd to your aecouM iron the purchase dab K the purchase baiatta;s (Indudln9 Oremlums for ootbnal eradk Inarw,ne.- r~ _.~ . nva papa m ~~n w~urm O munuq W IT you IIIaKe a IQs payment. -- - - - -- -- -----• ' 'With credit approval kx qualifying purchases made on The Horne Depot ar EXPO Design Center Consumer Credit Card, 17.99% - 28.9996 APR. Minimum interest charge: $2. See card agreement for details including APR applicable to you. Offer is only valid for consumer accounts and is subject to Chan without notice. Instructions. s Accourrt You may pay all or part of your account k>vvever, you must pay, yb the payment due date, at least ars®onq . rt we receive your mailed payment in proper f at our processing fapility ~ 5 p.m. krcal ' there, rt vwll be credited as of t~- t day. A Payment recenred there m roper form after that tune wit be credited as of the next day. Alban 5 to 7 days for is by ular mall to roach us. Thera may be a delay of up to 5 days In credig a pa~it wa receive that is not in proper form a is not sent tp the correct address. correct address for regular mat is the addn3ss on the front of the riyment Couppn A payment made rn-store is not sent to the i~rrest address. ~ correct address for courier or express ma+~ is the Express Payments Address shown below, Proper Form. For a payrrrent seat by mail ar caviar to be In proper farm, you must: • F~rdoss a valid check or money order made payable to Home Depot Credit Services. No cash, gift cards, or foreign currency please. • Inclnds you name and account number one ~p check ~morrey ar ~, If yooumseplnsdl~an~oeuNyfbls ehsdc wit tNs _ r hoAza accoand will bs d~>~ amotatt obi tM cltsKclc~Wi ~ do ~~ soon as tM day rrs noalvs tM check. Also, tM drsck will bs destroyed. Copy Fes. We charge $ti for each copy of a billing statement that dates back 3 months or more. We add tre fee to a balance of ou choasrclg. We reserve the r~~'gght to add this fee to balances subject to a higher annual percentage rate. We waive the fee if your request for the copy relates to a billing error or disputed purchase. 9196-0400-0002-D-E-0601/11-98• -000-40-H276-0613/17- -P-4.5-N- - Other Than Rsmrlar Mall. -vmww rnmen><s. vrsn mynomeueporacavuntcom and sign up for free online payments. Enroltrnent may take a few days. If we receive your request to make an online payment by 5 .m. F_astem rime, we wit credft your payment as of that day and ft vnll post within three business days. tt wa receive your request to make an online ppaayment after that time, we win credit your p as of the next day and d will'ost Mnthln, three business days. For secur' reasons, you matey be unable to pay your entire New Balance wdh yatx f<rst on~ayment. • Phone Ssr'vlcs. You may use tNs servrce any time to make a ~y by phone,rf your account is eligible. You will be charged $14.95 to use this service if a representative of ours helps expadrte your payment. CaN by 5 p;m. Eastern time to have you payment credtted as of that day and posted within three business days. If you call otter that time, you will be credited as of the next day and posted wlttvn three busines§ days. We may process your payment electronically after we verrfy your identity. •~P~ Paymsrra. You can send payrrrerrt t?Y covier or express mail to the Express Payments Address. This address rs: Customer Service Center Attention: Payment Mail Wing, 1500 BoltoMield SL, Columbus, OFI 43228. Payment moat be rec In proper form at the proper address by 5 p.m. local time t0 be credited a9 Of that day. All payments received in proper form at the •~In ~ndroea attar that time wIA be credited as of the next day. Raytltsnts. For your added convenience, payments can be made at The Home DeppooN~ stores unth no service fee. Payments made at the store prior to the store closing time w~l be posted to your account as of that day but availability may be subject to verification of funds. H!]fEX OCFt1 Page 2 of 4 Account: *'`** "''** ***" 2749 TRANSACTIONS Trans Dab Dascrlptlon Rei~rence N Amount FEES 11/13 LATE FEE _ $ ~ ~ TOTAL FEES FOR THIS PERIOD 33.00 INTEREST CHARGED 11/16 INTEREST CHARGE ON PURCHASES $ 79 85 TOTAL INTEREST FOR THIS PERIOD Total Fees Charged in 2011 $165.00 Total Interest Charged in 2011 $390.61 79.85 INTEREST CHARGE CALCULATION Your Annual Pa Rsb (APR Ie the annual interest rate on your account. ... ~.,., ,.. .,.a;.. fit.. ~ '+~ .. .r~:,',- ,,. ~~~ ~ .~~3` Y. `:'7. t:_• ar S~•: _ v'c'iF PURCHASES Revolving Balance 21.99% (M) $4 418 28 $7g 8,5 Page 3 of 4 Account: **** **""` ***'` 2749 Page 4 of 4 ~~~~~~ ~`~~,r ~~~ /~ Customer Service: V myhomedepotaccount.com ® Account Inquiries: 1-8ti8-458-7883 Account Statement Sand Naaad &Ilbg Error and Custamar 3arNoa In4ukiw to NOME DEPOT CREDIT SERVICES PO Box 790328, St. Louie, MO 63179 ~ AC60tJfftl~tltt't~1i!" i -,,,r: ~'~;~ i" Balance Payment Due Date January 13, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee up to $35. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay oft your balance. For example: g~ ~ • ` . _ , ~py~y~ r ce ' w~3„ _..,~ ~ IC-' k i ' 4 ~~,..@~,~by t~ 1~ r ~~;. Only the minimum payment 23 years $10,802 $176 3 years ~'~3 (Savings=$4,469) h you woukl Nke intorrrtatbn about credit counseNng servkes, caN 1-877-337-8188. Your minimum payment due is $937.00. To avoid interest charges, pay $4,606.97 by 5A4E STANAP3, Register now for Peper!ess January 13, 2012 (residual interest may apply). TIME.,. Statements and more at AIWt7 TREES! frtyhomedepotsccount.com It's not too late. We may have the right tools to help you bring your account current. Take advantage of our experience with resolving situations similar to yours. However, it is urgent that you call us today to discuss! Please contact us at 1-866-752-0874, visit us online at , or go to your local The Nome Depot store. ,' :~.'R^~~`~'"'~ {t's amazing how much brighter the season aan be when your past due '~ ~~ ~ amount is behind you. ,l . '~ . •. < TaklnQ care of your past due amount now can help you an!oy the season. Bringing your account current helps you avoid future lets fees. Ca111-8Qe-618-6168 now and our trained Account 6pociailsts wiN holp you oxplore your paymont options. Havirg art up-to-date account wilt hc+fp brighten your season. So cab us today. We're here to help you. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Paga 1 of 4 This Account is Issued by Citibank, N.A. 'r Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records. 't' Make Checks Payable to: HOME DEPOT CREDIT SERVICES t Past Due Amount is included in the Minimum Paymem Due. YautAacowtt Numbet4.~~- Payment Due Date New Balance Past Due Amountr Minimum Payment Due Amount Enc{osed 2Z4q::: JANUARY 13, 2012 $4,606.97 $774.00 $937.00 $ 2749046069700042000093700108 KELLY GOODLING 395 ALISON AVE MECHANICSBURG, PA 17055.4202 Print address changes above in blue or black ink. HOME DEPOT CREDIT SERVICES PO BOX 182676 COLUMBUS, OH 43218-2676 Due Credit Limft $0.00 Available Credit $0.00 Statement Closing Date 12!16/2011 Next Statement Closing Date 01/17/2012 Da s in Billin C cle 30 lelomatloa About Yaw Arreeent. Note b Mtold Paylttg ltfaeretl on Peroaaet. Your payment due date is at least 25 days otter the close of ~ billing cycle. We will nd charge you any interest nn purchases if you pay your Nnw Balance by ore payment due date eadr month. This is celled a grace period on purdrasea. If you do not ~y tiro New Balance In tug by the ~ym~ due date, you will not get a tip pedod on purchases until yw pay the Nerr Balarne in full to lwO billing cycles in a row. N you ham a halarrce subject b a deterred irderest or 096 APR uromotion and ttrat promaliorr does not expire before tl~ payment due date, that balance (the 'excluded balance') b exduded Fran the amount you rrxrst pay In ivff to get a grace ~rerbd. n addition, It you trove a major purchase plan balance, fret balarxe (the `excluded balance) is excluded tram ttre amount you must pay rn full to get a grace period. However, you rrxrst still pay arty seperatery required payment an the excluded balance, fn illing cycles In which payments are alloated to deferred imerest balances first, the deterred interest balance wig be reduced before any dher balanr:e on the account. However, you will cartirwre b get a grace period on purchwes so Ion es you pay the New Baance less any excluded balances In full DY the paymeM,thre dale each bRlling cycle. We may refer to deterred interest pramotior>s as No k~resk pranohons. In additioann,, certain promdiocral offers may lake away the grace period on purchases. OB'rer promotlonal offers not desalted above may also allow you b have a grace period on purchases wNfrotrt having to pay ~I or a paAlon of the promotfaral balance by the payment due date. ff either fs dre case, the ptamolraral offer will describe wfrat happens. Haar We Caladab ricer lalana SuWed to IrAaeet Rob. For eadr balance, the letter following the Argwrsl Percentage Rant to thelnterest Charge Cakwlatlon section on the hoot of the staterrrerd indtcatms the method vas use b calculate interest darges. For Methods C, H aril M, we use a dairy baiarrce method (mduding currant traraxtia~) to Calgtlate interest darges. For Methods I and L, wt use an avtxage daily balance rtretlrod (Including current transactions) to calculate irdaest darges. For Method K, we use an average daily tat~rrce method (exckrdirrQ currerd trdnsarttansl to rakarlHe irrtereat charges. To lirb out mare mbmatlon about the balance computation method that aappppfle,9 to account and haw the resulting inrorest ctrarges were determined, contact us at Cuutomer ~ nrtrttxrr an ttre hoot, Cradlt Repordag Dlepebs. If you think we reported Inaccurate Inromration to a aedit burreu unite us ~ the Customer Barnes address shown on 0te frord. Report t Lott w tftoiN Cant Itmrtedlalely. Coil the Account Inquiries number shown on the front. wear m a n tour pram flllbhb a ybrr.9Tb~tznsNf 4f you thinlcttrere h an error ar your statemarrt, wrtte b us at the address for bitting Inquires and comesponderxx shown on the hard of your statement. In your letter, give us the following information; • A+xarnt intomration: Your name and arxourrt raurrber. • Dollar avrrourN: Tim dollar amount of tits suspected wrar. • Des~rtption ta`arr~,hm.• If you think there is an error on yaw bll I, descdt>e why you fxlieve is wrong and why you believe tt is a mistake. You must contact us: • WHhfn 60 days after the error appmred nn your statement. • At Ir~t 3 txrslntsss days before an automated paymer-t is scheduled, it you want to stop payment on the amount you think s wrong. You must notify us of airy poterdlal errors In writMg. You may call us, but ff you do we aze not required to investigate any poterrdal errors and you may Crave to pay the amount 1n question. MthaN NRl/lle/p'ear Alfa Wi Aea/w Yarn Leftir When we receive your letter, we must do two thk>Sp: 1. WitMn 30 days of retmlvlrrg your letter, we rrxrst tell you that we received your !Ater. Wa will also tell you it we have already correbed the error. 2. Wghin 90 days of receiving your letter, we must either correct the error or explain to you why we bet lave the bill rs cared While we Im~estlgade whelller or rnot there has been an error: • We cannot by to calroct tiro amarM in question, or report you as delfnquant on that azrrourrt. • The charge In question may remain on your statemerrk and we may CoMlrx~ to charge you Interest on That anrourtt. • While you do not Have to pay the artrount In question, you are responsible for the remalrrder of your balance. • We can apply arty unpaid arnouM against your credtt limit. Attar we finish our investigation, one of two things wiH trapper: • h we meal~a misrake.• You will trot have b pay the amoum In question or arty interest or other tees related b tt~ amount. • ff se do not belle-e fliers aces a misfewra: You will Crave to pay the amount In question, along with applicable irtleresl and fees. We will send you a staterrrerrt of the amount you owe and the dale payment is due. yNa may then repot you as dellnquerd if you do not pay the amount we Ihfnk ya, owe. If receive our exploration but still believe your bill is wrong, You must write ro us within f0 days to linoa us that you still refuse to pay. If yyoou do so, we carrot report you ea delinquent without also reporting that you are queslloning your bill. We must roll you the name of anyone to whom we reported you as delinquent, afrd vre must let Ihase organizations know when the mat6er has been settled between us. If we dD not follow all of tt~e rules above, you da not Crave to pay the Arst 550 of ffre amount you queston even It your bill Is cared. YBa R/yktr d Yes An D fiNNft -err Cred/f Card Pn It you are dl5sallsfled with the goods or seMces that you have purtirased with your credtt card, arxf you have teed in good faith b coned the emblem with the merchant, you may have the nght not to pay the remaining amount due on the purchase. 7o use this right alt of the fogowing must be true: 1. The purchase must have been node in your home state or wkhln 1110 miles of yyoouur crszent maihng address, and Cie punttrase price must trove been more than SSD. (Note: Dither of ltrese are rrac~ary d your purchase was based on an advertisement we mailed to you, or if wa awn the comparry rtal sold you the goods or services.) 2. You must have used your aedil card for the prxdrase. Purchases made with rash advances from an ATM or with a sheds that accesses your credit card accoum do not quality. 3. You must not yet have fairy paid for the purchase. If all Of the criteria above ere trial and you are still dissa<is9ed with the ppuurrdrase, ron>act us in writlrrg at the a~ress rot billing Inquiries and correspondence shown on the herd of your statement While we investigate, the same rotes apply to the disputed amorxfi as d(scussed above. After we finish our irnresfipatiorr, we will tell you our s1on. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. ~e pwehs:•tr~t~ i H~fhe Parchste bNaoa (Nrcludi~ ~uaiu~ for o/tterrarf aa11t t ad jald inn Mll~ird~e ti ~~ ~rett trill be clsryal to your got toot a fate payaaerd. 'With credit approval for qualilykrg purchases made an The Home Depot or EXPO Design Center Consumer Credit Card, 11.9996 - 26.9996 APR. Minlrmtm Interest charge: $2. See card agreement for daiails iircluding APR apptfcable to yai. Offer is only valid ire consumer accourds and is subject to flange without notice. Important Peyraent IrreWclltras. Rfgbt to Prtpsy Yew Aaaunt. You may pay a8 or part of your accour-1 balance at any time. However, you must pay, by the payrr>ertt due state, at least the minlmrxn payment due. Crediting PeyrrrarM. ff we receive yy~owcrr mailed in proper ions at our processing haciliry by 5 p. m. local ffme there, tt wilt be credited as of that. A payntmt received there In proper lam after that time wilt he credited as of the next day. Allow 5 b 7 days for paymerds by rethrlar mail to reach us. There may be a delay of up to 5 ~ in credi9ng a paymem we recxdue tfrat is not in proper form or is not sere to the coned address. The correct address fir regular mail Is the address on the front of g>e payment coupon. The correct addmss for courier or express mall 1s the Express Payments Address shown below. Proper Form. For a payment sent by mail or CUUrier to be in proper torn, you must: + Errclornt a valid dreck or money ardor made payable b Name Depot Credit Services. No cash, gift cards, or foreign currency please. • Inebde your nanre and aaourd number on the front of your dteck or money order. M y~ sand se el M cheek wltk ibb payment eorpon, yea tuthorka ue to eompleh yaw paynrenl by elalnade dabN. li we des, iM tlreeidnp eecawd mill Ae debited ie tba amount en Mra steak. VW mty do fhb at Bran as the dory ws receive ttre cMdc. Alts, the cheek wiN bs deskeyed. Co Fse. We charge S5 for each copy of a WII Ing statement that dates bade 3 months ar more. We add the tea to a balance of our dwosirg. We resazve riot right to add this fee to balances sutrjed to a higher annual percerdage rate. We waive the tee if your request for the copy relates b a billing error or disputed purchase. Peyarent Opgora Other TMn Regular Mall. •Qnllne Paymerrtt. Yrsit rrrylran6~clapohr<acourrtr~rrr and sign up for free online payments. Enrolktant may take a iew days. M we receive your request to make an online paryrrient by 5 p.m. Fasten time, we will credit your payment as of that day and d will post within fixes business days. ff we receive your request b make an Doane payment after that tkrre, we will credit your payment as of the next day and if wit l post within three ttusineu days. Far security reasons, you may ba unable b pay your entire New Balance with your first online payment. • Patr by wtoee Service. Yau may use this service arty time ro make a paymerd try Phone, ff your account 1s Pdigltrle. Yau will be charged 514.95 b use this service if a rhdtive of ours helps expedite your payment. Call try 5 p.m. Eastern time to have yarn parymartt credited as of that day and posted within ttrree business days. ff you call alder drat time, your paynrerd will be asd iced as d the next day acrd posted within three business days. We may process your payment eledronicalty after wre verily your idantiTy. • Etgrott Paymartb. You can send paymant by courier or express mail to the Express Payments Address. This address is: Cusbnmr Service Center, Attention: Payment Mail Opening, 1500 Boltanfkld St., Columbus, OH 43228. Payment must be received In proper form at the proper address by 5 pm Eastern lime b be cretkied ~ of that day. Afl paymerds received in pro~r form at the proper address after that time will be aedirod as of the next day. • In-Stsn Paymenlt. For your added carvenlerx;e, payments can be made at Tha Home Depolw stares, with no service fee. Arty payment inproperfarmaccepted in-store will be credited as of that day. However, rxedlt avallabllity may be sub~ct ro verlflrxtlon of funds. T01641-91960400-0002-E-40-D--0601!11.98-000-P•-0--5.6-0---06~13~11•H278-Novembx 16, 2011-0 N--- ttOIEX OEC11 ~ Page 2 of 4 Account: '`'`** "`**'`*** 2749 TRANSACTIONS Trans Date Description Reference N Amount FEES 12!13 LATE FEE $ 35,00 TOTAL FEES FOR THIS PERI00 S 38.00 INTEREST CHARQED 1?J16 INTEREST CHARGE ON PURCHASES $ 81.94 TOTAL INTEREST FOR THIS PERIOD $ 81,94 ~;~ t ~ tie '~ ~ 1 y ~ ,~ tY'~Y;n ,4~~ Total Fees Charged in 2011 $200.00 Total Interest Charged in 2011 $472.55 INTEREST CHARGE CALCULATION . , Your Annual I+ercm Rate (APR) is the annual Interest rate on your account. ,. ~.,. ,_ ..., ,.. ~;:~ :,. .... _. { ~ ~ - a z c .. '~ ~, ~' PURCHASES Revolvin Balance 21.99% M 4534.14 1.94 Page 3 of 4 Account: *""* ***" *"*'` 2749 Page 4 of 4 ~ ~ ~ a ~ ~ v, o ~ o ~'~.o c cno ~ Dan c m yQC~ p n v~m~ -I n~ N c ~ 3~3 Sc ~ -Q °~<:~tQ < ~ m ~,~tD o ~ ?S~ o S o~. ~c°1iowQ'~';~Q o~~-''~xcym~3~~3mc ~ c_cQ=°*_v°,~C~ ~' ' v, -, ~ ~ O ~t ~ w c ~ ~ O AO .+ O ~ N N (D ~ •~~ C ~_ n S1 (D .'y. p(Dj ~ N~ ~ O ",- i `.< N ~'' a ~, N C >Z y ~ cCyD ~ 7 ~ ~ p 'Y O W Ol y O G. ~ .O. f'n A 4 t'n ° ~ ~ T~ ~ ~ ~ (D D OS N a cn `< O cOD c y > > ~ j O -i ~ ° O y 0) 01 01 '~ ~ ~ ~ c~ C ~ ~C m fO ;-. a 01 a -« D ~ () ~ ~ o ~ ~ ~ c ~ ~ ~ o ~ ~ ~ m ~• m ~ ~ ~ ai ~ p I m ~ _~ o ~ m ~ y ~ ~ D~ y 0~~ 1 n C y 0) ~ C `< O j~ 6~ ~~ ~ Q O .C. 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O f/1 ~ (D ~p 'O 01 y O (D t0 (D C1 O Ef) y `< O ~ y y ~ ~ C C ~ ~c~ ~° Sc~°o.-•m~-o'~m°~-- o a cncuo3~ °c~.. m j= m ° o cu m "o-~v,'~~ ~ ° ~y m ~ a° m`~ ••°~ ~ m m _s o ~ v c7i °. °+ ~ dO-' ~ D ~ ~ 7 7 (D ~ A ~ ~ C ~ ~ 'O C y ~ ~ .,G ^ A C d C y N ~ N f<D N .0 ~ ~' C W < ~ (D fOD Q. ~ ~ N fCl1O. ~ O. n C ~ 7 O C O CD '~ tD n t0 ^' (D - C ~ ~ Z °--°ai°c~ tna~c~m~o.~n<i~~y`<~~m3~om ~ ? o~y ° D ~ °~ ~~ o vfDi ~v o ~ ~ ~ ~ N ? ~~ c ~3 ~ m °-' m ~ ~ m a ~ o~.n;vm ~~,~~ ~~~vOi c<urn~'gstDV~?.g~ o ~3~°m~ ~ ~ ?~ vy, ~ ~,'°.vn~, ° c`•<~~ ~ ai o ~ a_a, s~ a3 m a °' °c ~0 0 3 ~=a~ » ~ m .~ ma~vo, ~ ~ ° ~ y ~ y m ~ ~ ° v ° ~ fl. co c.c o y ~ c~~o'~ ~ a ~ O as ~ a~ c°.~ ° ~ av ~ Qo O < ~< -y. Q. 1 (D rt O N~ Q SU C n ~ C~~ C y n p O ~~ n ~> > S a ~ N t<D ~ n typ O O C C .. ~^~~ '~O fD O O ~•~'~ p 7 ~ ~ ~ ~ y, ~ ~ ~ ~ Q ~ 7 3 N ~ fD tD ~- N C ~ O ~7 (D O fD ~ y Burton Neil & Associates, P.C. By: Burton Neil, Esquire ID. NO. 11348 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. IN THE COURT OF COMMON PLEAS Plaintiff v• :CUMBERLAND COUNTY, PENNSYLVANIA NO. 12-2028 CIVIL TERM KELLY GOODLING Defendant :CIVIL ACTION -LAW Certificate of Service I, Burton Neil, Esquire do hereby certify that I served a true and correct copy of the within Motion for Summary Judgment, Praecipe for Argument, and proposed Order on defendant's counsel, David H. Stone, Esquire at his address of record via first the date set forth below. Date: The law firm of Burton Neil & Associates is a Burton,3Vei1 &~ ~, ~ /"'' f' Burto eil, A ev for collector. mail, postage prepaid on fates. P.C. C-57029 ~p'Al Praecipe for Listing Case for Argument (Must be typewritten and submitted in duplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: ~) ~ -. _T..Y Please list the within matter for the next Argument Court. ~ ~ N `~~ -; ~ . m o Y--- -------------------------------------------------------------------------------------------------- r~~*---.~---=FS~-~ , CITIBANK, N.A. ~ ~ ~ `~ ~ , Plaintiff < ~-' -n ~ ~-; c~ ~, c-; - v. ~ ~ ~.> KELLY GOODLING Defendant NO. 12-2028 CIVIL TERM 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Motion for Summary Judgment 2. Identify counsel who will argue case: 3 4 Burton Neil, Esc Attorney for the The law firm of Burton Neil & Associates is a debt collector. ~Iq.'!5 PA ~~ ~~+ lay i98 ~# ~93a~O (a) for plaintiff: Burton Neil, Esquire c/o Burton Neil & Associates, P.C. address: 1060 Andrew Drive, Suite 170, West Chester, PA 19380 b) for defendant: David H. Stone, Esquire address: 414 Bridge St PO Box E New Cumberland, PA 17070 ,.~~~-" I will notify all parties in writing within two d~"tliat this c e has been listed for argument. = .- Argument Court Date: Dec fiber 21, 2012 � w mF rn 5p O CS Z =te-n 7P =-- G 7�► tom , .� 4W Burton Neil&Associates,P.C. By: Burton Neil, Esquire ID.NO. 11348 1060 Andrew Drive, Suite 170 West Chester,PA 19380 610-696-2120 Attorney for Plaintiff CIMANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY,PENNSYLVANIA V. NO. 12-2028 CIVIL TERM KELLY GOODLING Defendant : CIVIL ACTION-LAW Praecipe to Satisfy Judgment To the Prothonotary: Mark the judgment Satisfied . Burton it &Associates, P.C. Burt Neil,Esquire Atto ney for Plaintiff The law firm of Burton Neil&Associates is a debt collector. C-57029/318 q 5p PO A'TN 001a941a5 P,+ azsals