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Home My WebLink About13-0079~.<~ ~ #~E QTY ~'~,K'~ 10l3 JA~t -4 P~f i2= 53 cuM~~~~~ra e~UNrY P t~I~SYLYANtA Burton Neil & Associates, P.C. By: 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. JUSTIN BARDER 606 B Street Enola PA 170251601 Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. ~~ -~ 1 1~ ~ I 1 C.~Y 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 HIItING 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 Carlisle, PA 17013 Telephone No. 717-249-3166 or 800-990-9108 C-43075 / 304 S Ck# ~ag3y~ ~~ a~4gr~ BURTON NEIL & ASSOCIATES, P.C. Trenton A. Farmer, Esquire, Id. No. 209422 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. 1N THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff v. JUSTIN BARDER 606 B Street Enola PA 17025-1601 CUMBERLAND COUNTY, PENNSYLVANIA NO. Defendant :CIVIL ACTION -LAW Com laint 1. Plaintiff is Citibank, N.A. with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. Defendant is Justin Barder who resides at 606 B Street, Enola, 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 5439. 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 $4,658.22 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 $4,658.22, and the costs of this action. B o '1 Associates P.C. By: r nton A. Farmer, Esquire ~rit J. Suttell, Esquire In making this communication, we advise Burton Neil. & Associates, P.C. is a debt collector. C-43075 / 205 Customer Service: myhomedepotaccou nt.com ® Account Inquiries: 1-866-458-7683 Summa of Account Activi Previous Balance $4,502.95 Pa ments -$0.00 Other Credits -$0.00 Purchases +$0.00 Fees Charged +$39.00 Interest Charged +$116.27 New Balance Past Due Amount $4,658.22 $1,115.00 Credit Limit $0.00 Available Credit $0.00 Statement Closing Date 05/13/2010 Next Statement Closing Date 06/11/2010 Da s in Billin C cle 31 Account Statement Send Notice of Billing Errors and Customer Service Inquiries to: HOME DEPOT CREDIT SERVICES PO BOX 653000, DALLAS TX 75265-3000 Account lVurribe - 543$1 Mailed payments must be received by 5:00 PM at the I Payment Information address for payments by the payment due date. New Balance $4 658.22 Minimum Pa ment Due $1 317.00 Payment Due Date June 09, 2010 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 $39.00. 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: )ty~t{~~d!f~It7~~G>?Fal=, YouW~ ' ~t ;iy"4ffthe .. At~d~otSv,~dt' ~ Y . ~ ~ t1~A(iCe~"(ilkW.n t3r1 th15;' ~ ' ~ e11r~"[fP-{Sayln(3 ~lfi ~rtd eact13Y1pnth~+pu pay x s~a# e_ ment lFl;about ~. estlmatec7 total iSF. z Only the minimum payment 23 years $12,354 $198 3 ears y $7,118 i i (Savings=$5,236) It you would like information about cred'R counseling services, call 1-877-337-8188. Your minimum payment due is $1,317.00. To avoid interest charges, pay your S.A~t" S'1',~~PS Register now for Papefless revolving balance of $4,658.22, plus any promotions expiring this period, by / ~ Ii~E.,, Statements and more at June 9, 2010 (residual interest may apply). Atlp ~~~;5! rnyhomedelsotaccourrt.cortb Your late fee was based on an account balance of $4,502.95, which was your account balance on the late fee transaction date. ~Z mZ o Z m Z ml tD Z ~Z ~Z w Z m I °oZ oZ ~~ Z Z Z Z Z TRANSACTIONS Trans Date Description Reference # Amount FEES 05/09 LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 4 This Account is Issued by Citibank (South Dakota), N.A. T 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 f Past Due Amount is included in the Minimum Payment Due. Dour Accountf+itimber.:' Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed ~` ;53'9 .~~ June 9, 2010 $4,658.22 $1,115.00 $1,317.00 $ Use The Card. Do Mot'e._More ways to save coming soon! 5439046582200100000131700100 KBAVHDi 2 5!13/10 OA N 'I'lllllnl'111111'IIIIIIIIIIIIIII"II'I'I'llllllllllll'lllll"II m JUSTIN BARDER 606 B ST ENOLA, PA 17025-1601 Print address changes above in blue or black ink. HOME DEPOT CREDIT SERVICES PROCESSING CENTER DES MOINES, IA 50364-0500 'II"II'I'I'Illtltlllltllltll'I'IIII'IIIII'Itlltlllll"II"11'111 EXHIBIT A Inforrrmtlon About Your Account. How to Avoid Paying Interest on Purchases. Your payment due date is at least 25 days after the close ~ each billing cycle. We oral not charge any interest on purdtases If you pay your New Balance by the payment duedate each month. This is called a grace period on purchases. ff you do not pay the New Balance in full by the payment due date, you vat not get a grace penod on purchases until you pay the New Balance in full for two tilling cycles in a row. If you have a balance subject to a deferred fnterest, 0% APR or Equal Payment Plan promotion, that balance is exGuded, except for a deferred interest, 0% APR or Equal Payment Plan balance in a billing cycle in which the promotion expires behxe the payment due date, {the "excluded promotional balances') from the anrount you must pay in full to et a grace ~erlod except for arty separately required payment on that balance. In bdfmg cyycclea in which paymants are alkicated to deterred 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 penod on purchases so bnq as you pay the New Balance less any excluded promotional balances in fu1 by the payment due date each billing cycle. We may refer to deferred interest promotions as No Interest promotions. In addition, certain promotional offers may take away the grace pperiod on purchases. Other promotional offers not described above may also albw 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 etther is the case, the promotional offer will describe what happens. How We CalCttlate Your Balance Sub)ect to Interest Rate. For each balance, the letter following the Annual Percentage Rata 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 dally balance method (including cunent transactions) to calculate interest charges. For Method K, we use an average daily balance method (excluding current trarrsactlais) to calculate interest charges. To firxt out more information about the balance computation method that applies to your account and how the resuRing interest charges were determined, contact us at Customer Service number on the front. Promotions. We may offer promotional terms for all or a part of an balances. Any promotional terms may apply for a limited period of time. They will be governed by the terms of the promotional offer and your card agreement They may include the deferred interest {also called No Interest), 0% APR and Equal Payment Plan offers described below. Your promotional terms vnll end when the promotional period expires or, to the extent permitted by law, if you make a late payment. The promotional offer will tell you if we require a separate minimum payment on the prorrxrtiort~ balance. • Deferred Interest. No interest charges will be imposed on the deferred interest balancerf you pay the balance in full by the end of the promotional period for that deferred ingest balance. We will impose interest charges on this balance at the APR for re ular purchases from the date of purchase if you do not pay the balance in full by the end of the promotional period. • 096 APR No Merest charges are imposed on this balance during the promotional period. • Equal Payment Plan. This balance will tie repaid in equal minimum Payments. Gredit 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 If You Thtnk You Flnd a Mistake on Your sratement If you think there is an error on your siaterrient, write to us at the Customer Service address shown on the front. In your letter, give us the folknving information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe 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 into wriBn .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 your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or arty interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainderof your balance. • We can apply any unpaid amount against your credit limit. Your Ri hts If You Are Dissatisfied With Your Credit Cana Purchases you are sea s ie w t e goo s or serv oes t at you eve u a wtth your credit card, and you have vied 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 folknving must be true: 7. 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 rf your purchase was based on an advertisement we mailed to you, or'rf we own the company that saki 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 qualify. 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, coirtact us in writing at the Customer Service address shown on the front. While we irnestigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that porcit, 'rf we think you owe an amount and you do not pay we may report you as delinquent. KEY CREDIT TERMS - NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS'. 5299 Minimum Purchase Required. Minimum Payments Required. Interest will be charged to your account tram 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 Isle payment. *With credit approval for qualifying purchases made on The Home Depot or DSO Design Center Consumer Credit Card. For accounts in good standing, APRs up to 26.!1996. Penalty APR up to 29.99% (rates may vary). Minimum INTEREST CHARGE: ~2. Lower rates may apply. See card agreement for details including when the penalty rate applies. Offer is ony valid for consumer arxotrnts and is subject to change without notice. Important Payment Instructions. Credltlng Payments. If we receive your mailed laymen[ in proper form at our processing fagfdy by 5 p.m. local time there, d wdl be credited as of ttatt day. A payment received there in proper farm after that time will be credited as of the next day. Alkrw 5 to 7 days for payments by regular mail to reach us. There may be a delay of up to 5 days in crediting a payment we receive that is not in proper form or is not sent to the correct address. The correct address for regular mail is the address on the front of the payment n. A payment made n-store is not sent th the correct address. The correct a rase for courier or express mail is the Express Payments Address shown below. Proper Farm. For a payment sent try mail or cotxier to be h proper form, you must • Enclose a valid check or money order rr~de payable lD Home Depot Credit Services. No cash, gift cards, or foreign currency please. • Include your name and account rwmber on the front of your check or money order. If you serxl an eligible check with this payment coupon, you authorize us to coinplet~ your paymert~ by electronic debit. H we do, the cheddnp aot~utrl wIN be debited in the amauttt on the check We may do this as soon as the dsy we receive the check. Also, the check wiN be destroyed. Copy Fee. We charge $5 for each copy of a billing statement that dates back 3 rranths or more. We add the fee m a balance of otr choosing. We reserve the right to add this fee to balances subject to a hider annual percantage rate. We waive the fee 'rf yore request for the copy relates to a billing error or deputed purchase. Payment Options Other Than Regular Mail. •Online Payments. lfisit myhornedepotaccourrtcom and sign up for free online payments. Eruollment may take a fear days. If we receive your r uest to make an anlinepayment by 5p.m. F~stern time, we wit credit your payment as of that day and it vhll post vnthin three business days. If vie receive your re oast 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. Far security reasons, you may be unable to pay your entire New Balance with your first online payment. •Pey by Phone Service. You may use this service any lime to make a payment by phone, 'rf your account is eligible. You will be charged $14.95 to use this service rf 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 pos ed withn three business da . If you call after that time, your pa merit wIN be credited as of the next d~ and posted within three business days. We may process your payment electronically after we verify your identity. •Express Payments. You can send payment by courier orexppress mail to the Express Payrriertts Address. This address is: Customer Service Center, Attention: Payment Mail Openinpg, 1500 Boltonfield St., Columbus, OH 43228. P~acimfic~trcrime m beecre~dite\d tool that day ~I at the proper address by 5 p.m. at the r address after that time will be a ymen~ ~i~ in proper form ProPa witted as of the next day •In Store Payments. For your added convenience, payrr~nts can be made at The Home Deoole stores with no senrice fee. Paymerrts made at the store prior to the store c ng time will be posted to your account as of that day but availability may be subject to verification of funds. HDIEX APR10 Page 2 of 4 Account: ****' **** **** 5439 ~Z ~Z o Z co Z ~ I N Z ~ Z jZ WZ ~ 1 OZ O Z N z Z Z Z Z TRANSACTIONS (cont.} Trans Date Description Reference # Amount INTEREST CHARGED 05/13 Interest Chazge on Purchases $ 116 27 TOTAL INTEREST FOR THIS PERIOD $ 116.27 ANNUAL PERCENTAGE RATE on the account: 29.99%" " The'ANNUAL PERCENTAGE RATE on the account' includes all transaction and periodic interest charges imposed this billing period on all balances on which interest charges were imposed. It the 'ANNUAL PERCENTAGE RA7E on the account' is N/A, no interest charges (after adjustments) were imposed this billing period. Interest charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer. Refer to the corresponding APR for the APR that applies to each balance. INTEREST CHARGE CALCULATION Your Annual Percentage Rate (APR) is the annual interest rate onyyour account ~;~e -- - 'Aflrnraf?Pi~C~etitap~ ~~e Ei~PRj`° "IBaTatttc~`S~ieof~o inlter~st~4a#e tn~er~st Chase ` 3evolvlng Balance 29 99% (M) $4 565 18 $116 27 Page 3 of 4 Account: **** '`*** **** 5439 Page 4 of 4 Verification Vikki L. Kpch I, , 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 201 L 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 unsworn falsification to authorities. d ~.. Signature C-43075 Justin Barder Account number ending 5439 1025 CITIBANK, N.A., : IN THE COURT OF COMMON PLEAS OF PLAINTIFF : CUMBERLAND COUNTY, PENNSYLVANIA V. JUSTIN BARDER, DEFENDANT NO. 13-0079 CIVIL IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE GUIDO, J., EBERT, J., AND PLACEY, J. ORDER OF COURT AND NOW, this 8th day of May, 2013, upon consideration of the Defendant's Preliminary Objections, the Plaintiffs Answer thereto, the briefs filed by the Parties and after oral argument, the Court noting that the complaint in this case, but for the name of the Defendant and the amount claimed is identical to the complaint in the case of Citibank, N.A. v. Heather B. Wadas, No. 12-1705 Civil, 61 Cumb. 303 (J. Peck 2012); IT IS HEREBY ORDERED AND DIRECTED that the Defendant's Preliminary Objections are SUSTAINED. This Court grants Plaintiff leave to file a legally sufficient Amended Compliant within 30 days from the date of this Order. See Citibank, N.A. v. Heather B. Wadas, No. 12-1705 Civil, 61 Cumb. 303 (J. Peck 2012). By the Court, INAN M. L. Ebert, Jr., J. oz V ZTrenton A. Farmer, Esquire Attorney for Plaintiff CD9 - Joseph P. Murphy, Esquire Attorney for Defendant bas QM)1*LS /770-7, CV-L .90 513 ;oTa0N0 A•; 2013 JUAN 10 PH 2: u8 �.UMOERLAND000NTY PENNSYLVANIA Burton Neil &Associates, P.C. By: I renton A. Fanner, Esquire ID. NO. 209422 1060 Andrew Drive. Suite 170 West Chester,PA 19380 610-696-2120 Attorney for Plaintiff CITIBANK,N.A. IN TILE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNT Y, PENNSYLVANIA v. NO, 13-79CIVILTERM JUSTIN BARDER Defendant : CIVIL ACTION - LAW Praecipe to Substitute Verification To the Prothonotary: Kindly substitute the attached verification for the attorney verification filed with the Amended Complaint. Burton Neil & Associa s, P.C. i" By: 4remon . F er, Esquire Attorney or Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. \4ri 15cmiuu Sherri Srrrith ,m emn M,II he I III ll lih,n m.I, 'i 01 i. stn'rL;ant III inlcrcnl to ( aibank (,"'dill tIAIII11U, `. L 1I, . inrhnl�> I,I n :, I'lci iro.id± nu I'd hl ( j j'i.ani< (.`oulh I},;i<ota}. VA, which ni ,"'_cd Into { oihanl. m ,I aivntl Phil,.'nl i. I :un .wfhoii�Jd In nude fhi, 11 IlhC:IUIIII ou hJluil "I I 'm cIn, 11" of I'. 'I, 'cI arlh in iln•-ei; h i.: Imw u ,I , upon m1 ;i14Ini 'Ii I ,, ,d it snl-nr 'a'Je 'uLjccl 2a III, I li uullir< o(Iti P.i. t .ti. SCCLOO .yin id. rd:nnl,.. t " ran,<a'nin ftd IIi Minn iu uthorili.: 1307, �Vccuunl numhcr a•ai a+:; ?.l t) RCTN'J?iUT;� . 2613 JU ' 10 Pig 2: L CU PE NNSYLOVANI COUNTY Burton Neil & Associates, P.C. By: Trenton A. Farmer, Esquire ID. NO. 209422 1060 Andrew Drive, Suite 170 West Chester, PA 19380 610-696-2120 Attorney for Plaintiff Cl HBANK,N.A. IN THE COURT OF COMMON PLEAS Plaintiff V. CUMBERLAND COUNTY, PENNSYLVANIA NO. 13-79 CIVIL TERM JUSTIN BARDER Defendant : CIVIL ACTION - LAW Certificate of Service I, Trenton A. Fanner, Esquire do hereby certify that I served a true and correct copy of the within Pmecipe to Substitute Verification on defendant's counsel, Joseph P. Murphy, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Burton Neil &Associates, P.C. Date: 'Trenton A. Farmer, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-03075 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION C-') =j CITIBANK, '� c rn cu rn ter_ Plaintiff(s) Docket No.: 2013-79n hr-; r V. JUSTIN BARDER, Defendant(s) PRAECIPE FOR JUDGMENT Filed on Behalf of Defendant Counsel: The J. Murphy Firm The Grant Building, 33rd Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 V. JUSTIN BARDER, Defendant(s) TO THE PROTHONOTARY: Kindly enter judgment in favor of Defendant, JUSTIN BARDER, and against Plaintiff, CITIBANK by default for want of a complaint. I certify that this praecipe is filed pursuant to order of court dated May 8th, 2013 directing the filing of an amended complaint within 30 days, which Plantiff has not done. A copy of the order is attached hereto. No further notice is required pursuant to Pa. R.C.P. 237.1(b)(2). Respectfully, Joseph P. Murphy 83120 a- f' The J. rphy Firm The;G nt Building, 33rd Floor 310 rant Street, #3309 Pittsburgh, PA. 15219 ORDER AND NOW, to wit, this _174k day of f lYl� , 20_/ Judgment is entered in favor of Defendant, JUSTIN BARDER, and against Plaintiff, CITIBANK, by default for want of a complaint. C31 �i1Co•5D Pn AT71 P-#6(WbD 3 H04ce loilecl IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 V. JUSTIN BARDER, Defendant(s) CITIBANK In Care of: Britt Suttell, Esq. Burton Neil & Associates 1060 Andrew Drive Suite 170 West Chester, PA 19380 Burton Neil and Associates 1060 Andrew Drive, Suite 170 West Chester, Pa 19380 NOTICE Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a default judgment has been entered against you. Prothonotary CITIBANK, N.A., IN THE COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. JUSTIN BARDER, DEFENDANT NO. 13-0079 CIVIL IN RE: DEFENDANT'S PRELIMINARY OBJECTIONS BEFORE GUIDO, J., EBERT, J., AND PLACEY, J. ORDER OF COURT AND NOW, this 8th day of May, 2013, upon consideration of the Defendant's Preliminary Objections, the Plaintiff's Answer thereto, the briefs filed by the Parties and after oral argument, the Court noting that the complaint in this case, but for the name of the Defendant and the amount claimed is identical to the complaint in the case of Citibank, N.A. v. Heather B. Wadas, No. 12-1705 Civil, 61 Cumb. 303 (J. Peck 2012); IT IS HEREBY ORDERED AND DIRECTED that the Defendant's Preliminary Objections are SUSTAINED. This Court grants Plaintiff leave to file a legally sufficient Amended Compliant within 30 days from the date of this Order. See Citibank, N.A. v. Heather B. Wadas, No. 12-1705 Civil, 61 Cumb. 303 (J. Peck 2012). By the Court, �'N, M. L. Ebert, Jr., J. C-) Trenton A. Farmer, Esquire =9 �_-' Attorney for Plaintiff M 3:p r--, Joseph P. Murphy, Esquire Attorney for Defendant Svc- - ,. :c car --4; bas IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 V. JUSTIN BARDER, Defendant(s) CERTIFICATION OF ADDRESS AND AFFIDAVIT OF NON-MILITARY SERVICE. I, Joseph P. Murphy, being duly sworn according to law, depose and say that I am the attorney for the Defendant in the above-captioned matter and that I am authorized to make this affidavit on behalf of the Defendant. I hereby certify that the address of the Plaintiff, against whom Judgment is to be entered is 64� (is I SD57 t 7 I further certify that the Plaintiff is not in the Military Service of the United States, nor any State or Territory thereof or its allies as defined in the Soldier's and Sailor's Civil Relief Act of 1940 or the amendments thereto. I certify that the address of the Defendant is: rLA �` -5 I solemnly verify that the averments in the foregoing certification and affidavit are true and correct to the best of my knowledge, infor ation, and belief, and I understand that this verification is made subject o th peho nalties set forth in 18 Pa. C.S. §4904, relating to unsworn falsific ion to utrities. DATE: . 1 I t 1'73ifI1 ONO-WS3. Burton Neil & Associates,P.C. 2t3 By: Trenton A. Farmer, Esquire ID. No. 209422 1060 Andrew Drive, Suite 170 CUMBERLAND COUNTY West Chester, PA 19380 PENNSYLVANIA 610-696-2120 Attorney for Plaintiff CITIBANK, N.A. : TN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA v. : NO. 13-79 JUSTIN B BARDER Defendant : CIVIL ACTION - LAW Joint Stipulation to Open Judgment it is hereby agreed by and between plaintiff, Citibank,N.A., and defendant, Justin B Barder, that the default judgment entered by defendant on June 17, 2013 shall be STRICKEN and OPENED. Plaintiff will file an amended complaint within twenty (20) days of the filing of the Joint Stipulation. Burton Neil & Associates, P.C. 7/ Date: � _ By: Trenton A. Farmer, Esquire A. ley for ' =intiff Dater 2- / By: osep •. Murphy, Esquire, A •rney for Defendant This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. i Burton Neil & Associates, P.C. By: Trenton A. Farmer, Esquire ID. NO. 209422 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. 13-79 CIVIL TERM JUSTIN BARDER Defendant : CIVIL ACTION - LAW Certificate of Service I, Trenton A. Farmer, Esquire do hereby certify that I served a true and correct copy of the within Joint Stipulation to Open on defendant's counsel, Joseph P. Murphy, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Burton Neil & Assoc': , P.C. Date: 7 /Thy: Trenton Farmer, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-43075 Pf' 11I10N07A 2613 JUL 10 A1, 10: 50 CUMBERLAND COU, y PENN,SYLVANIA Burton Neil&Associates,P.C. By: Trenton A.Farmer,Esquire ID.NO. 209422 1060 Andrew Drive, Suite 170 West Chester,PA 19380 (610)696-2120 Attorney for Plaintiff CITIBANK,N.A. IN THE COURT OF COMMON PLEAS 701 East 60th Street N Sioux Falls, SD 57117 Plaintiff CUMBERLAND COUNTY,PENNSYLVANIA V. JUSTIN BARDER NO. 13-79 CIVIL TERM 606 B Street Enola PA 17025-1601 Defendant CIVIL ACTION-LAW Amended 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 Carlisle,PA 17013 Telephone No. 717-249-3166 or 800-990-9108 C-43075 /304 BURTON NEIL & ASSOCIATES, P.C. By: Trenton Farmer, Esquire, Id. No. 209422 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 CUMBERLAND COUNTY, PENNSYLVANIA V. NO. 13-79 CIVIL TERM JUSTIN BARDER Defendant CIVIL ACTION - LAW Amended Complaint 1. The plaintiff is Citibank,N.A., with place of business located at 701 East 60th Street North, Sioux Falls, South Dakota. 2. Defendant is Justin Barder, who resides at 606 B Street, Enola, Cumberland County; Pennsylvania. 3. At all times material and relevant hereto plaintiff was a national bank engaged in various types of banking business, including but not limited to consumer lending through the issuance of credit cards. 4. Defendant obtained extension of credit from Citibank, N.A., successor in interest to Citibank (South Dakota), N.A., by means of a credit card account (hereafter the Account) with account number now ending in 5439. 5. 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, 6. Defendant utilized the credit from plaintiff through the use of the Account. Refer to Exhibit A, which are monthly billing statements with closing dates from February 10, 2009 through May 13, 2010. 7. Defendant was provided with aforesaid Exhibit A billing statements which accurately stated the prior balance due on the Account, the debits and the credits to the Account for the prior billing period, the dates when the debits and credits were posted to the Account, the new balance, the minimum amount due and the payment due date. 8. As reflected in Exhibit A, defendant had for many months after receipt of the billing statements made charges on the Account. 9. As reflected in Exhibit A, defendant had for many months after receipt of the billing statements made payments on the Account. 10. Defendant last made a payment on account which was posted on January 24, 2010. 11. As set forth in the billing statement with a closing date of May 13, 2010,. defendant's minimum payment was due on or before June 9, 2010. 12. Defendant failed to make the minimum payment by the stated due date. 13. Defendant's acts of making charges, making payments, and eventually retaining the statements without payment all demonstrate circumstances to which assent to the account stated is implied. 14. Defendant's actions as set forth above constitute an account stated between the parties for the sum of$4,658.22 being the balance in the statement with a closing date of May 13, 2010. WHEREFORE, plaintiff prays that judgment be entered on its behalf and against defendant in the sum of$4,658.22 and the cost of this action. BURTON N ASSOCIATES, P.C. B . _ K; rent er, Esquire Attorney for Plaintiff In making this communication, we advise our firm is a debt collector. Account Statement Shop online with Send Notice of Billing Errors and Customer Service: www.myhomedepotaGcount.com Payment must be received S, Customer Service Inquiries to: %p HOME DEPOT CREDIT SERVICES of 1-800-677-MZ by 5!00 p.m.Central Time homedepotcomW Po Box 689100,DES MOINES A 50368-9100 Account: 5439 un MARCH 08,2005 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' FEBRUARY 1 O.2009 MARCH 11,2009 $4,000.00 $2,402.00 MARCH 08,2009 $10.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES Now Balance Revolving Balancet $0.00 $0.00 $106-89 $0.00 $106.89 Promotion Balance $0.00 $0.00 + $1,490.66 + $0,00 $1,490.66 Total Balance $0.00 $0.00 $1,597.55 $0.00 $1.597.55 tRevolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIV17Y Transaction Date Location/Transactions Amount Please see the enclosed privacy notice for important information, SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. Thanks for using your The Home Depot Consumer Credit Card! Now's the time to continue using it for all your home improvement projects, big or small. 5021216 0120 THE HOME DEPOT MECHANICSBURG PA MILLWORK LUMBER $ 701.74 PROMOTIONAL PURCHASE:To avoid finance charges,please pay the above in full by 07f25f2009 0021894 01125 THE HOME DEPOT MECHANICSBURG PA MILLWORK PAINT $ 326.63 PROMOTIONAL PURCHASE:To avoid finance charges,please pay the above in full by 0713012009 4071195 01f31 THE HOME DEPOT MECHANICSBURG PA FLOORING $ 46229 PROMOTIONAL PURCHASE;To avoid finance charges,please pay the above in full by 03f05/2009 O Z Z 7573945 02/07 THE HOME DEPOT MECHANICSBURG PA Z ca Z ch I to Z oZ C>Z Z Z I ;1 z Please refer to the next page of your account statement for important z instructions on how to read your statement. continued on next page This Account Issued by Citibank(South Dakota),N.A. Page 1 of 5 ------------------------------------------------------------------------------------------------------------------------------ +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $1:597.55 MARCH 08,2009 $0.00 $10.00 $ Make Checks Payable to: HOME DEPOT CREDIT SERVICES We've permanently reduced prices on ftouincis of Visit The Home Depof*loday and look for the new lower Prices. 5439015975500000000001000106 KBAVHDi S 2h0109 85908 A W HOME DEPOT CREDIT SERVICES In Ln 11111 11 111$111111191 11 11121till PROCESSING CENTER ko JUSTIN BARDER DES MOINES,IA 50364-0500 606 B ST ENOLA,PA 17025-1601 ro Print address changes above in blue or black ink, CAHIBITA' If ifDrmatio i About Your Account gra*''s-b-as-lam G Lib°`:G!'inance('t?eicle-Ifir tha,he'ian:tie'iv�`X4,e- cf y-i;i{2 sn S_ie—'s YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. or-ransa-ions sulajs t;o"l is cawufat cr!rlethm b';anal iphnf c the applicable lnon-ll!y rwci-SG:ate for BALANCE SUBJECT TO FINANCE CI'v1ROE Etr;h i.: e?Y^c 32rtn'°y,is t�tiri^l:iiN0 ew TV:rO-CYCL F&ERA GE GAILY BALANCE(INCLUDING NEiV Tr AN,SACTfONfS'rMet rail C•if the AVERAGE fiAfiY�i LAtr'CE €P CLUi�IbfG WEYd E�hS4CTIGFiSS f✓ef 3a#R: !f t��;'�:rs ro;E✓' =lr,?ix._tf v_r:^,'r..; i r ? 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PRiSIi4ftTIONS, >{.?r>;e S::fir• ,}R?,�t;;'+=t:lyi;i;°rif'_?lff£n51}`"vtf f'J c”fi;?ROE:91?rn'ai ice,!”.. t;ITi.:=r If c;<i in - s:: f; t="1 C{e;nw-fer 1.u rr-_xiruifarial -err n'all c M:-cf any b-iaiu.s.Any�fsma:!x+Lt te:'ris hlLy 8ppi;r :ni; Account: 5439 CURRENT ACTIVITY Transaction Date Location/Transactions Amount PAINT $ 106.89 ELECTRICAL AND LIGHTING PLUMBING .ANNUAL PERCENTAGE RATE on the account: NIA^ The'ANNUAL PERCENTAGE RATE on the account"includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed.K the"ANNUAL PERCENTAGE RATE on the account"is NSA,no finance charges rafter adjustments)were imposed this billing period.Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES 8 Credits Balance CHARGES* Payment NO INT-NO PMT FOR 6 MOS $701.74 0120109 0725109 - - - $701.74 $9.78 NO INT-NO PMT FOR 6 MOS $326.63 0125M. 07!30109 - - - $326.63 $3.52 - NO INT-NO PMT FOR 6 MOS $462.29 01/31/09 08105/09 - - - $462.29 $3.21 - `To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subjectto Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $535.88 0.06298% (M) 22.99% 29 - - NO INT-NO PMT FOR 6 MOS $192.44 0.06298% (M) 22.99% 29 - - NO INT-NO PMT FOR 6 MOS $175.90 O.D6298% (M) 22.99% 29 - - REGULAR REVOLVE CREDIT PLAN $0.00 0.06298% (M) 22.99% 29 - - f_ N 3 G The l-lorTte I�epot3 offers bath in-store and online workshops,so you z T ' T_ +.$ �F. can learn horn to do all these horse improvement projects ourself. z � �•t �� p P l z w z . WeeS 3y WarWiia ps-You can improve the look of your home with our free, cn I - �- - s. .' 3;.' -? Z ..;: ; l in-store workshops.Open to everyone,our workshops help simplify complex projects ?sf. m z ,�;. v✓th easy to follow instructions. Z5 � �'`!� r Kids Workshops-Designed for kids 5-12,these free workshops teach do-it-yourself ro Z \� s ; stalls and tool safety,while instilling a sense of accomplishment They are offered on the .,. '` '' first Saturday of each month between 9 a.m.and noon atThe Home Depot Z r• t t � Z x-tK t ® Online Tr'Waa'sta s-You can view taped workshops covering a wide variety of home Z improvement projects.Learn online about any or all of the topics right from Z Z your own home. ' Make us your home base for home improvements. w >� �� Visit hamedepatclinics.ccm for more details. .;: , -- P?;fi Horner T..C•ixn..J riahfs reserved. a 1e R Easy returns without receipts. �` f If you return an item to The Home 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. $0 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 investigotion, 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 Home Depot. 200^r Homer Tt.C,Inc.Al rig*�rese cod. Page 2 of 5 Account 5439 . e . : r Account Number Account.1234 5678 9012 345,6 Listed an each page for quick reference. CURRENT ACTIVITY T--,Io.13 u«elOnrrrAn „one A"�9� a 1:YO TIJF IYkJF DEPOT DACCA A GA :EAS„NALA7JJJDFI.1 s 171.+Y TI IC I WE DEPOT DAQA.A GA SEASMIALIGHDFY 5 7.95 rh2 T14E 1-"JE DEPOT DA,XI A(JA s GUILO NG MATERI,u.S + 22 At 12th INL 14[,"L DL-WI UAVAA CA FIr-CTRIC:II ANUI IC34I INC. S AIf 1n Easy to Understand .. ._.... . ......._....... ....... ._........_......._......, 1-u)UHIN(s.PATn .:... FROh1:)n0NAL P:F(CNASE'7:.,aoN]hrwr-ec;argts.{:caw Pay,na Fbo'.4 nl luJ Iy t2nYi-'2w7 Headers make statement information = ................................................................................................................. ._, easier to follow. ,',1T 'HILI.!J)tINAN!:L C:;AHCiES' ••5 12P..IA .�.. SPECIAL PROMOTIONS D,glial H.xos bllul fhw iraid original Transaction Amount ............ ..............••••............ Tr.n L:.'ankh FK%ix P—Ae FINANCE Fagn,xm P,an FINANCE ,+ Cnm Cawrc D:.'.,— CHARGES 6C-d- tlal— CHARGES Allows you to reference the original NO IYTW)MGS FOR 12 MUS 5135555 :d'1.iL6:•• ••n;•77)'7 S7:3SSSo 5,1 T355 S226.1i I NO IN]!NO P'7M'.5 FOR 12 Hui. ,+AU•:�A9 W21.'OG: UuetU/ - 3'.6.04 $405.ab Y,JG purchase amount. NO r4TIN]PYMTS FCNI£MOS. ;+1M,5 1Pt1=.M)G: L^.Gi07 6:41.15 SA.7A NDI.YPNGP'/tf,$Tk ol.'91r2(!0 Si T-?I- II."uin OIK,I.rR 31?V.19 Sf 9(Q.18 SZJIm NO 141-NO PUNT FOR 3 M0 Sr•e Lw tR(^.q.:i8 e,R;Ai t'L. Iii 5,5/-,tic ,5.0? S,K+T.1 345.432 Promotions Order ....................................... ....,. Nc1YT.or M= 3,»� 2:»�•� a„2$s a151.5I x„ x,an S9924 81,*1 F. .wJr. „sN F•'.E.e ii+lr LUt,.e t..11y Promotions listed in order of expiration. F,NANCE CKAAGE SUMMARY A kA4+ce as..ming Ila:ysn I+m�1,� SuLM rc DAJy r�ANNUAL olkrn, FINANCE Fcwr:c CA.U. r'.W.Rata PERCENTAGE RATE %W CHARGES Contact m ...................................................................... . ............... .............. ............ .. Accou nt Stateme nt t Easrto-find location. S lNIAY.a0W)rrraab`A cusone se, cc l-"X DFPOTiceh.�lrlee a. nw�emMw NcPCJaceourn.eom P...,<.n...see„r...�..a M3 GOX 6Ti0I.O.G[S IJDIJCS W SCJG68170 AecouM:7334 e678 9(112 111% CI.-9 Dne IJan Cbsing One C.ex1n Li+e Credit AedA1+k P.rymM,N.D... Nin—Payna+,Doe DECDMBEA 07.2746 J*A]Ad+Y 07.2097 S7 VDC•0 31,1151 03 ,LMV,Wf 03.29(Jr 8-49 A, OP-in91Ta1anee Peyme.aa A Crod'ns P„rehaaeal0thtr Chm9n F................ ...... ...... ....... ......... . ti2e.. ..... = HAwtvinO BoNr,ce' St.iK;B.7t SI31,,9 S2H;,.S, ••5729.19_ 51 tiA.GS Listed on each page for Prono,ion Baf— S+.f.5434 - S64303 { s9?ac Nyl rd = SA MO;a quick reference. Total EI.I.- $44.W.OS Si ai W-1 31.1855,5, 3124.1b stp'Ws 9 Account Summary Section.... ; CURRENT ACTIVITY T.nsx,kw Dale IncotbNrmnsac ors Anrxrnr Clearly separates your regular You trove a lxomohmal PUrch-e(s)'MIA ring 3 MinIMUM Payment VfilCh M'efl=tea in Vow mi.i rnum payment due ab-0- revolving and your promotional Fit—wA.,I tc C,e 3Peolal Promdions section on ywr slat—il. balances to make viewing your I L•I- T1EHO,E DEPOT LMZw CA RCCInCAL AND U-^I ITIAC S 46o tlV account breeze. HLIMJSAIW',VALL~,-NKUUynJ KITc HEN M40 PAIH FLOORNPU Account Message Area .............° ...........................� FRUMUTI(xYAI PUR(A{AAT A:aKdlinY,cRtfu,P=.(i m:u l,?y l.a:;rrNxn lW I* 4x Easily locate important account 11"8 r,IE HOW (,� cr`!R s ter. communications. PI UNR N I VII THE H(IJE DEPOT F.ACIJI-A CA CJED.IT R UtI+ALF)NfAI I PAPr•RSFNZONA1 GAMFN S 31 78 = PLINArA,SIJCJ T!IC I114NC DCPDI DAW ILA GS i 4ASLNIN.A:AHDL\ S 51.?5 - INRfFYN1-r Z P+11'LNENT.TWV•X.YOV S 1P3IX. z Next Page Identifier .....• Helps you to recognize when additional account information A184UALP R -N AGER oa lhAm-"Pi vn is being provided. -TC.44ti.,)7.LyP.,.E:nvralPx..r•;,)o;h ,:c-.•?v7;o n 7rsa.ao-a,_rteto>n.,o;9o1x •_nu:d:xaogen :: v, a+••ud.•..JJ W aie,4- wail, =,R.S.r t, r.l l....n,•n:a o,n,:e,mn,I,asr.4.vz+ :.... ..... ....... ..... ............................... .... Page Numbering.............w......_..m; ......._.._... .. ..._....... .. ..._.._... ._......._......._......._Pa Aat3 Tbia A-.-IC.iraA by CAibe nk(Sarah BIWA).N.A Helps you to recognize when additional account information •A. Is being provided. Your Account Number hkw Ba4nce Pay.uerd D.+e DaN: Amt D t P;...” �o—a g p P- 1239 So'T3 9DT2 3A5'n 36,04N3.P9 JANUAFN 3.2GOi 52.31 519.OD Make Cheeks Payabk b: ,JOLS DFPnT cprn rr SF;I1A(FG THD-HTRYSE Rev.07,07 Page 3 of 5 live may disclose any of the above information that we collect to affiliates and nonaffifiated third parties as described below. The Our goal Is to maintain your trust and confidence when handling term "Personal information," as used in this notice, means personal information about you. information that identifies you personally. We may use You Have Choices jnfDrmai,-,on which does not personally identify You to help At Citlbalrik,*the bank that issues your credit card account, you manage our businesses and to provide us,our affiliates,and other have the opportunity to make choices about how personal companies Insight Into consumer spending behavior.We may do this even if you ask us to limit disclosure of persoinal information information about you may be shared and used.As you consider about you as described in the Privacy Cho:ces Form. this,we encourage you to make choices that enatille us to provide I you with quality products and services that help you meet your Affiliates to Whom We May Disclose financial needs and obiecflves. Personal Information Security of Personal information Our affiliates are the family of companies controlled by Citigroup. The security of personal information about you is our priority.We Affiliates to whom vie may disclose personal information about protect this information by maint-aining physical, electronic, and you are in several different businesses.including banking,credit procedural safeguards that meet applicable law. We train our cards,consumer finance,insurance,and securities.Otur affiliates empioyees in the proper handling of personal information. When include those doing business. under the Citi narne, such as we use other compar-lesto,provide services for us,we require'them CRIF-inancial and CitilMortgage, as well as Smith Barney. and to protect the confidentiality of personal information they receive. Primerica. About This Notice Nonaff Illated Third Parties to Whom We hlair This notice tells you how we collect,handle,and disclose personal Disclose Personal Information information about you and how you can limit this disclosure.It Nonaffiliated third parties are those not part of the family of also tells you how you may limit our afflUates from using certain companies controlled by Citigroup. We may disclose personal information to market their products or services to you. Please information about you to the following types of rionaf fiflated third see the Privacy Choices Form on the bottom of this page or call parties- z us toll free at the Customer Service number shown on your billing Financial services providers,such as companies engaged in z statement or printed on the back of your credit card to make your banking,credit-cards,consumer finance,securities,and Zchoices. it you are a joint account holder, we will accept insurance, and I - 7. Instructions from either of you and apply them to th e entire Non-linancial companies,such as companies engaged in 10 Z account. This notice applies to both current and former CD z direct marketing and the selling of consumer products n Z customers.We may change this notice from time to time.If we do, and services. we will notify you as required,by applicable taw. z if you fill in Box I on the Privacy Choices Form, we will not z< Personal information We Collect disclose personal information about you to nonaffiliated third I and May Disclose parties except as follows. First, we may disclose personal z z The personal information we collect about you comes from the information about you as described above in "Personal z z following sources: information We Collect and May Disclose" to third parties that •Information we receive from you.such as your name,address, perform marketing services on our behalf or to other financial institutions with whom we have Joint marketing agreements. and telephone number, Second, we may disclose personal information about you to •Information about your transactions,such as your account third parties as permitted by law,such as disclosures necessary balances,payment history,and account activity,and to process and service your credit card account, to protect •information we receive from consumer reporting agencies aclaInst fraud, and to protect the security or confidentiality of and other sources,such as your credit bureau report and your our records. credit score. Please see back for processing Information and Important Information about Credit Reporting. C-1-- I t N- .......... ------ ------- ------- Privacy Choices Form My credit card account number is: Your Choices to Limit Information Sharing&Marketing To limit disclosures of personal Information about you,or to limit marketing offers by our affiliates, described in this notice,you can call us toll free at the Customer Service nurnber 5.439 shown on your billing statement or printed on the back of your credit card.Or you can fill in the appropriate box or boxes to indicate your privacy choices and send the form to the If you choose not to call us toll free and you filled In any of address listed on the back.Be sure to include account numbers since your privacy choices the boxes on the front of this form,please mall this form in will be applied only'a accounts listed- a stamped envelope to: Sox EII. Limit the personal information about me thril-you disclose to nonaffiliated Card Processing Center third parties, PO Box 650722 j_j Z.Limit the personal Information about rne that you share with Citigroup affiliates. Dallas,TX 75265-0722 3.Limit Citiaroup affiliates from marketing to me-using personal information about me that you share with them. El Please fill In this box if you're providing a new addr2ss, Cammember Name(Please�51r�mt) .............I .......... ----------........................................... ----------------------------------------------------- .......—_._._.__._.___J Ca remember Address ------------------------------------------------- ---------- .............-............------------------------------ ------------............. --------------------------------------------- cll-y S~ate I Zip -----------------------------------------......... .............1--l-.-I....... Page 4 of 5 This section describes your privacy choices. Please remember that we will continue to protect personal information about you regardless of your privacy choices. I:you are a customer of another Citigroup affiliate and you receive Its privacy notic2l.you should also review that privacy notice since you may nred to separately notify that affiliate of your privacy choices. Limit Disclosure to Nonaffiliated Third Parties (Box 1) As described in this notice,we will limit the personal information about you that we disclose to nonaffiliated third parties if you fill in Box t on the Privacy Choices Form. Limit Sharing with Citigroup Affiliates (Box 2) Our ability to share information with our affiliates helps us'to more easily provide you with quality products and services to meet your financial needs and goals.The law allows us to share with our affiliates Information about our transactions or experiences with you,such as your account history, and also your name,address,and telephone number.unless otherwise permitted by law,we will not share with our affiliates other information thet you provide to us or that we obtain from third parties(tor instance,credit bureau_)if you fill in Box 2 on the Privacy Choices Farm. Limit Marketing by Citigroup Affiliates (Box 3) Federal law gives you the right to limit some,but not all marketing from our affiliates.You may limit our affiliates from marketing their products and services to you based upon personal information about you that we collect and share with them.?leis information may include your account history with us and your credit score.if you fill in Box 3 on the Privacy Choices Form,we will tell our affiliates to limit their marketing to you based upon this information. unless otherwise permitted by law,such as if you currently do business with one of our affiliates. it>;i`ormatlon for Vermont and California Customers In response to a Vermont regulation,we will automatically treat accounts with Vermont trilling addresses as it you tilled in Box L Brix 2,and Box 3 on the Privacy Choices Form,AnJ if we disclose personal Information about you to nonaffiliated third parties with whom we have joint marketing agreements, we wiii only disclose your name, address,other contact Information,and information about our transactions or experiences with you,in response to a California law,we will automatically treat accounts with California billing addresses as if you filled in Box?on the Privacy Choices Form and will not disclose personal information about you to nonatf"iiiated third parties except as permitted by the applicable California law.We will also'limit the sharing of personal information about you with our affiliates to comply wth all California privacy laws that apply to us.To further restrict sharing with and marketing by affiliates as described in this notice,you can fill.in Box 2 and Box 3 on the Privacy Choices Form. Important Information about Credit Reporting i We may report information about your account to credit bureaus.Late payments, hissed payments, or other defaults an your account may be reflected in your credit report. ._._._......................................--------------------------------- The privacy choices you make will apply until you tell us to make a change.if you already made any of these privacy choices with us,you;teed not maze that choice again.Please allow approximately 33 days from our receipt of your privacy choices for them to become effective. *All reterences to Citibank refer to Citibank(South Dakota),N.A. D 2008 Citibank(South Dakota),N.A. PNHD-Xtaoa Page 5 of 5 Account Statement Shop online vifth Send Notice of Billing Errors and Customer Service: DVp0fCr.Vdjj:C8jWR& Customer Service Inquiries to: www.myhomedepotaccount.com Payment must be received HOME DEPOT CREDIT SERVICES or 1-800-F* nnq by 5:00 P,m-Central Time homedept A com PO BOX 689100,DES MOINES 50369-9100 Account: 5439 un APRIL 00;2009 u 9-o Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due- MARCH 11,2009 APRIL 10,2009 $4,00000 $2,429.00 APRIL 06,2009 $10.00 Opening Balance Payments&Credits Purchases/other Charges FINANCE CHARGES New Balance Revolving Balancet $106.89 $50.00 $20.7 1 $2.17 $79.77 Promotion Balance $1,490.66 $0.01) + $0.00 + $0.00 $1,490.66 Total Balance $1,597,55 $50.00 $20.71 $2.17 $1,570.43 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date Location[Transactions Amount SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 9013930 02115 THE HOME DEPOT MECHANICSBURG PA BUILDING MATERIALS HARDWARE $ 20.71 P9194002409E6D63W 03/DB PAYMENT-THANK YOU $ 50.00- 03/11 'BILLED FINANCE CHARGES' $ 217 1 ANNUAL PERCENTAGE RATE on the account: 22.999%- The"ANNUAL PERCENTAGE RATE on the account"includes all transaction and periodic finance charges imposed this billing period on all balances on vAich finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corraspondin APR forthe APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued Prorno Transaction Transaction Expiration Promotion FINANCE payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES* payment NO(NT-NO PMT FOR 6 MOS $701.74 01/20)09 0725/09 $701.74 - $701,74 $22,89 NO NT-NO PMT FOR 6 MOS $326.63 01/25JO9 07/30/09 $326.63 - $326.63 $9.60 z NO Z-140 PMT FOR 6 MOS $462.29 01/31/09 0811)5/09 $462,29 - $46Z29 $11.79 Z "To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown- Z 04 C> z FOR- z A Z z Lq %�p i7"WO&k-1 K rti N�l V11% M z �• C=d *Vv1hqn pumbCsod with The Hicitnie Depot Consumer C-ed See reuesa--6r detaiis. I continued on next page This Account Issued by Citibank(South Dakota),N.A. Page 1 ot 3 -----------------------------------------------------------------------------------------------------------------------------• +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed $1;570.43 APRIL 06,2009 $0.00 $10,00 Make Checks Payable to: HOME DEPOT CREDIT SERVICES We've permanently reduced prices an thousands of items storewide. Visit The Home Depots today and look for the new lower prices. 5439015704300050000001000108 KPAVHDi 2 3!1V05 244098 A HOME DEPOT CREDIT SERVICES p. 1 111111 fiffill lift tiffil 1111111111111111 PROCESSING CENTER UT JUSTIN BARDER DES MOINES,A 50364-0500 0\ 606 B ST 11111111111 lilt 111111111lIIlI11!l1111l t ii111111l1l1 il1lllitlll ENOLA,PA 17025-1601 Prim address changes above in blue or black ink. Information About Your Account balances on the Closing Dale)and divide by the total number of days in the billing period-This gives us the • YDUR ACCOUNT IS ISSUED BY Account CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to finance Charge for that balance.Wt figure a portion of your finance charge on transac- tions subject to this calculation riEthod by multiplying the applicable monthly periodic rate for tbal balance • BALANCE SUBJECT TO FINANCE CHARGE by the Balance Subiecl to Finance Charge p.ncluding new transactions). TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C If the periods:rate - AVERAGE DAILY BALANCE ONCLUDING NEW TRARSACTIONS)i-Nethod M.II the periodic rate listed in the listed in the Finance Charge Summary Section of this statement is followed by a"C",we figure a portion of finance Charge Summary of this statement is followed by an'k1",we use the following calculation method. the finance charge on your account each day by multiplying the daily balance for each balance(eq.,each We calculate Periodic finance charges separately for each balance.Balances include regular purchases and purchase subject to promotional terms,other regular revolve credit clan purchases and other major pur- different promotional balances.To get a daily balance•we start with the balance as of the end of the previ- chase plan purchases)by the applicable daily periodic rate.Vie do this each day of the billing period,inched- ous day.We add any periodic finance charge on the previous days balance.(This results in daily compound- ing The f.1os[ng Cafe.in addition,for each balance,we multiply the da ly balance for each day of the previ ing of finance charges.)We add any new charges.We:hen subtract any new credits or payments and make ous billing period by[Ile applicable daily periodic rate,unless your account was credited for the amount other adjustments.A credit balance is treated as a balance of zero.We figure the periodic finance charge by required to get the grace period on purchases{described below in the section entitled the Grace Period on multiplying the daily balance by its daily per,odic rte.We do this for each day in the billing peeled.The Purchases)or a periodic finance charge was already billed on that balance.to gel the daily balance,we lake Balance Subject to Finance Charge is the average of the daily balances during the bitting period.lf you mill lha beginning balance for each balance every day,add any new purchases,'lees,and any finance charge on Hilly this figure for each balance by its daily perodic rte and by the number of days in the billing period, the previous day's balance,subtract any credits or payments credited as of that day,and make other adjust- the result is the total periodic finance charge on that balance.Rounding may cause a small difference. menL.A credit balance is treated as a balance of zero.The Balances Subject to finance Chargeare the aver- PROMOTIONS,fie may offer you promotional terms lot all or a part of any balances.Any prornotional terms ages of the respective daily balances during the applicable billing periods.if you multiply the current cycle may apply for a limited period of time.Ihev,will.be governed by the terms of(he promotional offer'and your Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily Card Agreement.1 hey nay include the No Interest,0%,and Equal Payment Plan offers described below.Your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(f currently subject cc promotional terms may end if you delaull under the Card A.ieement because you do not make the minimum a finance charge)by the number of days in that billing period and by the applicable daily periodic rate,and p Y e y q V add those two figures together the resul[will b21he peredic finance charges assessed for that balance, payinenl when due,go over the credit line,or make a payment to us that is not honored. except for mingnariatiois caused by s urrwill No Interest.No finance charges will be imposed oil'his balance if you pay the balance in full by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS-Method H.If the eriodic rate listed in the end of the promotional period. promotional impose eriod ocharges on ti s balance if you er mint pay the wAI Finance Charge Summary Section of this statemenl is followed by a"H",rr figure ea ortfon of the finance imp in lug by the end charges the promotional period a the promotional terms are terminated.lye;+ill charge on your account each day by mulliplying the daily balance for each balance(e.q.,each purchase sub- impose thens finance e ou from the date u purchase until the balance is paid in(u1L The proeciion ject to promotional terms,other regular revolve credit plan purchases and other major purchase plan pur- chases';fR the applicable daily periodic rate We do this each da i the billing Period,including the Closing O%.No finance charges are iripnsed on this balance during th€promotional period.The promotional Date.to gel the dairy balance,we lake the beginning balance loi each balance every day.add any new pull- offer will specify the amount of any minimum payment required on Mis balance. chases and any finance charge on the previous day's balance:subtract any credits or paymen(s credited as Equal Payment Plan.This balance will rte repaid in equal minimum payments The promotional after will of that day,and make other adjustments.A credit balance is treated as a balance of zero.The Balances specify the amoum of the minimum payment required on this balance. Subject to Finance Charge are the averages of the respective daily balances during the billing period.Il you CLOSING DATE At our discretion,this statement may include charges,lees,and payments on the Closing Date. multiply this figure for each balance by the numberof days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES You can avoid periodic finance charges on purchases.Ihis is called a grace periodic rate,the result will be the periodic finance charges assessed for that balance,except formirorvari- pznod do purchases.The grace period is at least 20 days.To get the grace period on purchases,pay the follow- ations caused by rounding. ing amounts by the due dale eve y billing period; AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method I.If the periodic rate listed In the . the New Balance,less any No Interest,Oslo and Equal Payment Plan balances that expire after the pay- Finance Charge Summary Section of this statement is followed by an"I",we use the following calculation ment due date,plus- method.To get the Balance Subject to Finance Charge for each balance(e.g,each purchase subject to pro- . the minimum monthly payments required for your No Interest.Ot+M,and Equal Payment Plan balances motional leans,other regular revolve creeih plan purchases and other major purchase clan purchases)vie that expire after the payment due date. take file beginning balance far ifial balance everyday(including finance charges imposed in previous billing periods),add any new purchases,subtract any credits or payments credited as of that day,and make other II you do not,you will not get a grace period unless you pay the above amounts by the due dale for two billing adjustments.A credit balance is treated as a balance of zero.This gives us the daily balance.We add up all fl not fn a rom We daily balances for the billing period(includiny the balances on the Closing Dates and divide by the total In addition.certain promotional oilers may take away the grace period on purchases.Other promotional offers, number of days in the billing period.This gives us the Balance Subject to finance Charge for that balance. in addition to No Interest,0%and Equal Payment Plan offer-,may also alloy you to have a grace period on pur• We figure a portion of your finance charge on transactions subject to this calculation method by multiply- chases without having to pay all or a portion;of the premoticnal balance by the due date.If either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happens. ing new t amsactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If you thinicyour bill is wrong, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or if you need more informal ton about a transaction on your bill,wit te us at the Billing Error address on This finance Charge Summary Section of this statement is followed by a"K",we use the following calculation statement as soon as possible We must hear from you no later than 60 days after we send you the first bill on method.To get the Balance Subject to Finance Charge for each balance(c.q.,each purchase subject to pro- which the error or problem appeared.You can telephone us,but doing so wilI not preserve your rights. motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we In your letter.give us the following information: take the beginning balance for!.he[balance every day and subtract.any credits or paymnts credited as of Your name and account number. that day and arty unpaid Finance charges.We do no(add in any new purchases.A credit balance is treated The dollar amount of the suspected error. as a balance of zero.This gives us the daily balarice.'d'e add up all the daily balances for the billing period (including Die bataiiceson the Chasing Date)and divide by the total number of days in the billing period.t his Describe The error and expain,if you ran.why you believe there is an error.II you need mace krormaliun, gives us(lie Balance Subject to Finance Charge for that balance.We figure a portion of your finance charge describe Gne lem you are unsure about Please be sure all conespuadwxe issk reed by the primary wrdholdef. on Iransactions subject to this calculation method by multiplying the applicable moll hill,periodic rate for You do not have to pay any amount in question white ore are investigating.But You are still obhgatEd to pay the that balance by tie Balance Subject to Finance Charge!excluding new transactions). parts of your bill that are not in question.While we investigate your question,we cannot report you as delin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rage listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L",we use the following calculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To get Tae Balance Subject to Finance Charge for each balance{erg.•each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due on the goods or services.You have this protection only when take the beginning balance for that balance every day,add any aew purchases,and subtract any credits or the purchase price is more than SSO and the purchase is made In your home state or within 100 miles of your payments credfied as of trial day and any unpaid finance charges.A credit balance fs Irea[ed as a balance mailing address.(If we own of operate(he merchant,or if we mailed you the advertisement for the properly or of zero.This gives us the daily balance.We add up all the daily tmlances for the billing period(including the services•all purchases are covered regardless of arx.mit or location of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES vrill be added to your Account for the entire promotional period if qualiying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make c payment to us Ihel is net honored.See below for more details. "With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 26.990;4.Default APR up to 29.99%. Minimum FINANCE CHARGE:$2.Lotter rates may apply.See card agreement for details including when the default rase applies.Offer is only valid for consumer accounts and is subject to change without notice. IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. erecting Pagments.'Ne must receive lour mailed payment in proper form aL cur processing facility by 5 p.m • Onfine Payments.Visit myhorrkepotaccount corn and sign up for free online Payments.Enrollment may local time there If we do,it will be credited as of that day.(Please refer-to the top right hand corner on the take a few days,If we receive your request to make an entire payment by 5 p.m.Eastern time,we:till Iron;of your statement for processing facility time zone.)A payment received at the processing facility in credit your payment as of that day and it will post within three business days.It we receive your request to proper form alter that time will be credited as of the next day.Allow 5 to?days for payments try regular mail make an online payment after that time,we will credit your payment as of the next day and it will pest to reach us.There may,be a delay of up to 5 days in crediting a payment we receive that is not in proper form within three business days.For securlly reasons,you may be unable In pay your entire New Balance with or is no`sent to the correct address.The correct address tot a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made In-store Is not sent in • Pay by Phone Service.You may use this service any lime fro make a payment by phone,it your account is the correct address.The correct address fora payment sent by courier or express mail is the Express Payments eligible_You will be charged$14.95 to use this service.Call by 5 p.m Eastern time to have your payment Address shown below. credited as gf that day and posted within three business days.If you call after chat time,your payment will Proper Form.For a payment sent by mail or courier to be in proper form,you must: be credited as of the next day and posted within three business-days.We may process your payment • Enclose a valid check or money order made payable to lit-me Depot Credit Services.No cash,gift cards,or electronically after we verify your idenilty. foreign currency please. Express Payments.You can send payment by courier or express mail to the Express Payments Address • Include your name and account number on ilia(roof of your check or money order. Customer Service Center,Attention:Payment flail Opening,ST25 W.Sahara Ave,Las Vegas,MV 891V.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be sre env in propel form ai the proper address by 5 after t Pacific m time to be credited as of that day..All electronic debit.If we do,the checkin account will be debited in the amount on the check.We may do In Store ayment in proper format the proper address after that time will be he Horn as of the tore day. this as soon as the day we receive the check.Also,the check will be destroyed. In store Payments.for your added convenience,t payments can in mad? it The Home Depot'stores with Copy ee.We char S5 for each co elf a billing statement.that dates back 3s months or more We add the no service fee.PagmenLs made b the stare prier fc the store dosing time will be posted to your account as PY 9e- PY 9 s of that day but avaik�bifily may be subj?ci to verificalfon of funds. lee to a balance of our choosing.We reserve the right to add this fee to balances subier to a higher annual REPORT A LOST OR STOLEN CARD IMMEDIATELY You may call Customer Service 24 bears a day.7 days a week percenlage rate.We waive the fee if yo r request for the copy relates to a billing error or disputed purchase. The Home Depot Consumer HD 0309A Account: 5439 FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $717.82 0,0629801, (M) 22,99% 29 NO INT-NO PMT FOR 6 MOS $333,07 0.05298T. (M) 22.99% 29 NO INT-NO PMT FOR 6 MOS $09.62 0.06298% (M) 22.99% 29 - REGULAR REVOLVE CREDIT PLAN $118.91 0.06298% (M) 22.99% 29 $2.17 - THE #1 NAME IN HOME IMPROVEMENT MOM CARRIES THE 91 NAME IN LADDERS Please visit your nearest The Home Depot" store to see our full line of Werner ladder products. e z z z G)Z Cn z -0)z T H E T T I N G" EuuE PIZ 0 0 z z -INCH TRAC TOR MAKES z ARIENS" 42 Z = LAWN MOWING EASIER THAN EVER z z 4 164irch turning radius provides excellent maneuverability wherever z z you're cuffing„ Powered by a 19-HP premium Kohler engine,the 42-inch air induction deck produces a superior cutting performance, a Lever-operated, hydrosiaric transmission allows for smooth coeration. Ariens products Get this Ariens lawn tractor today may not be at your local The Home De1 or. available in all cir-acs. 0 2009 Here;T!C,inc_tai riqlht3 re-served. Page 2 of 3 Account: 5439 5 ' SAVE 10�4" O INSTALLED 30, 40 & 50 YEAR ARCHITECTURAL SHINGLE'S ITT. THE PEACE OF MIND-' WARRANTY Offer valid March 19—April 15, 2009_Minimum purchase required. .'. Maximize the life of your roof and enhance the beauty of your home with installed Integrated Roofing Systems from - The home Depot®. We offer premium shingles in an array or colors and styles,with product warranties up to 50 years and a craftsmanship Nvcrranty up to 20 years"What`s more, our team of roofing professionals will skillfully rebuild your roof with beautiful protection that stands the test of time. v,;t HOME f CALL 1-800-f OIAEDEPOT FOR DETAILS SERVICES `9nc9:v. 10%o$or,y insta'Isd Roofing sysiarn wi: 10-year,40 yogic,ord 50 year or&n:turat shirgtas omh$e Foam of Minow Waron;y I,•a gh Tna Home resat tome 5er ices. 4inirrm;r purchase-of 35G•."n^requ4ed Avoilaeditp of GAF-ELK 30 yev;40 yea,and 50 yaor shingles will vary by mar4e, Offer vol±d on to borne conirocts sienod'2/19/09 through 4115%0 of al .dpoti,g can?:ante: _s.Ae Name Depot Sore,Canrot x cz rb:nsi wiEh any e alto:excel o=C"-&J oiler.xes! ,r,'ons may orPlK t cre&I otter refs L Coll i-8;&T•i:ME1 a''0T for dotall..Ser:lc^s'nay not be oyoiicbb in 011 woos.The Home Dopot rasor�•as the righi to coroct prising ero!s on'pirW moterkrs.O`a4s',may not bo oombin;:d w*any of�u on".All tm oil.-•tion s?n is s fwrar„-ed fhrewgrt TFe Ho or D=por,inc'ctiiinv plumbing serscrm,ore per4rmed by it d pnr�ient aantia ors,indoding independent iicens°d plu-icdng conrradors,as Opp iica6le. Sar i a r av;do i by The 'arte Dopoi ook-fined ind3pande;;t Instaiia9w Profe;stonat>.:icans<3:u:mbe;s iyaid by o on bra ` tia flare Dow, i1.S.A_, ¢nc. c;1 c se ra°n vi<+t homy;°pnt.00mr+icer+a ooTE s."sd,ind'a•idual watrontirx ter detaels.C 20^9 Nome.Ti C,inc:.t.11 iijghts reserved. Y•'•Y�:r''�-"- r�4�^S';.,r�'�e�Sc^�.�, a t �y�,.A ,Qt THE HOME DEPOT ��. D t�L i �'iw m`.i°4.�.�'�it,ia�"" d+:'..Y. �,T,.'.xa'ht"�i� 5 �y Your free Garden Club Membership entitles you to expert answers to of of your outdoor questions within 24 hours, customized gardening info "or your region, DY projects for gardens,lawns and landscaping plus hundreds of dollars in savings t- throughout the year. J Expert advice j•Customized info Projects and tips Year-round savings s Sign up today at: homedepotgardenclub.com/register 0 2009 Nnrsr tC,Inc.Ott.ig s reser ec. _ (sage 3 of 3 Account Statement NWN it's easier than ever to manage Send Notice of Billing Errors and Customer Service: your account onlinel Sign on to Customer Service Inquiries to: www,myhomedepotaccount.com Payment must be received =wer.cum today. HOME DEPOT CREDIT SERVICES at,1-800-677-n9l'J by 5:00 p.m.Comm!Time PO BOX 689100,DES MOINES IA 50368-9100 Account: :5439 un MAY 06;2009 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' APRIL 10,2009 MAY 11,2009 $4,000.00 $1,368.00 MAY 06,2009 $71.00 Opening Balance Payments&Credits Purchasest0ther Charges FINANCE CHARGES New Balance Revolving Balancet $79.77 $0.00 + $747.13 + $13.11 $840.01 Promotion Balance $1,490,66 $0.0() $300.57 $0.00 $1,791.23 Total Balance $1,570,43 $0.00 $1,047.70 $13.11 $2,631.24 tRevofving Balance includes non-promotional transactions plus Promotions that have expired, CURRENT ACTIVITY Transaction Date Location/Transactions Amount 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. Your late fee was based on an account balance of$2,579.13,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 1084785 03/15 THE HOME DEPOT MECHANICSBURG PA PAINT $ 207.26 SEASONAUGARDEN 5012942 03121 THE HOME DEPOT MECHANICSBURG PA BUILDING MATERIALS $ 26.12 PAINT 5085408 0321 THE HOME DEPOT MECHANICSBURG PA ELECTRICAL AND LIGHTING $ 300.57 FLOORING GIFT CERTIFICATES PAINT is z PROMOTIONAL PURCHASE: To avoid finance charges,please pay the above in full by 01/01/201 0 z Z 4073782 0322 THE HOME DEPOT MECHANICSBURG PA to z PAINT $ 148.82 PLUMBING z ELECTRICAL AND LIGHTING C>z SEASONAL/GARDEN °o :;- � 8020325 0328 THE HOME DEPOT MECHANICSBURG PA z We've lowered over a thousand prices sx.jw on the things you use and buy the most- . ............ z so you can do more Arith your budget z and your sprifig. That's the power of The Home Depot*. More saving.More doing. cominued on next page This Account Issued by Citibank(South Dakota),N.A. Pagel 0f ------------------------------------------------------------------------------------------------------------------------------ +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed ;5439 $2;631.24 MAY 06,2009 11 $10.00 $71.00 $on�C'R*.Jtdl,of Items%!.,.Ewidr- Make Checks Payable to: HOME DEPOT CREDIT SERVICES rW. pR,-.n.e oni�y prices for the new lower prim. reduced Visit This Home De�p*V l7oday o=rd I.. 5439026312400050000007100109 KRAVHDi 3 4M0,100 344113 QA HOME DEPOT CREDIT SERVICES PROCESSING CENTER [fill liff Al 111111111 1 1 tit it t1111111111 11 4161111111111 fill 1111111 JUSTIN BARDER DES MOINES,IA 50364-0500 606 B ST ENOLA,PA i7025-l[601 Prim address changes above in blue or black ink. Information About Your Account balances on the Closing Date)and divide by the total number o`days in the biilieg period_This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N A Balance Subject to Finance Chance for that balance.We fiaure a portion of your finance chance on transat- lions subjed to this calculation rneihod by mullipiyinc the applicable monthly periodic rile for that balance • BALANCE SUBJECT TO FINANCE CHARGE by the Balar:.ce Subject to Finance Charge(including new transactions). - TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C.if the periodic rate - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method M.if the periodic rate tisied iii the listed in the Finance Charge Summary Section of this statement is followed by a"C",we figure a portion of ritrance Charge Summary of this statement is toiloired by an"let we use the following calculation method. the finance charge on your account each day by multiplying the daily balance for each balance(e.g,each We tafculate periodic finance charges separately to-each balance Balances include regular purchases and purchase subject to'promotional terms,other regular revolve credit plan purchases and other major put- different promotional balances.To get a daily balance,we start with the balance as of the end of the previ- chase plan purchases)err tie appiicahle daily periodic rate.Vie do this each day of the billing period,includ- ous day Yle add amy periodic finance charge on the previous day's balance.(This results in daily compound• ing the closing Date.in addition,for each balance,vie multiply the daily balance for each day of the previ- ing of finance ctarges.)We add arty new charges.We then subtract any new credits or payments and make ous billing period by The applicable daily periodic rate,unless your account was credited for the arnouhl other adjustments.A credit balance is Ireated as a balance of zero.We figure the periodic tinance charge by required to get the grace period on purchases(described below in the section entitled the Grace Period or, multiplying the daily balance by its daily periodic rate We do this for each day in the billing period.The Purchases)or a periodic finance charge was already billed on that balance.to gel the do.ly balance,we take Balance Subject to Finance Charge is the average of the daily balances during the bil!ing period.lf you mul the begirwng balanx for each balance every day,add any,new purchases,fees.and any finance charge on tiply this figure for each balance by its daisy periodic rate and by the number of days in the billing period, the previous day's balance,subtract any credits or payments credited as of that day,and make other adjust- the result Is the total periodic finance charge on that balance.rounding may cause a small difference. menls.A credit balance is treated as a balance of zero.The Balances Subject to f inar:e Charge are the aver- ages of the respective daily balances during the applicable billing periods.it you multiply the current cycle PROMOTIONS.We may offer you prorrotional terms for all or a furl:of arr balances.Any promotional terms Balance Subject to Finance Charge bi the number of days in the billing period and by the applicable daily may apply for a limited period of(line.They will be governed by the tarns of(tie promotional offer and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge 0 currently subject to Card Ayreemeet.,hey nay include the No inlerest,00/a,and kquai Payment Plan offers described blow Your a finance charge)by the number of days in that billing period and by the applicable daily periodic rate,and promotional teens may end if you default under the Card Ayreernenl because you do not make the minimum add those two figures together,the result will be the periodic finance chances assessed for that balance, payment when due,ge over the credit line,of make a payment to us that is not honored. except for minor variations caused by rounding. No Interest No finance charges will to imposed on this balance if you pay the balance in full by the - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.It the periodic rate listed in the end of the promotional period.We will impose finance charges on this balance it you do not pay the hat- Finance Charge Summary Section of this slalemenl is followed by a"H",we figure a portion of the finance ante in lull by the end of the promotional period or the promotional terms are terminated.We will charge an your account each day by ntuliipiyiag the dairy balance for each balance(s.g.,each purchase sub- impose these finance charges from the date of purchase until the balance is paid in full.The promo ion- jed to pronwtiimaf terms.other regular revolve credit plan purchases and other major pwthase plan put- at offer will specify the amount of any minimum payment required on this balance, chases)by the applicable daily periodic rate We do lhis each day of the billing period,includirtl the Closing 0%.No finance charges are imposed on this balarr e during the promolionai perfect The promotional Date,to net the dai?y balance.we lake tie beginning balance for each balance every day,add any new pur offer will specify the amount of any minimum payment required on this balance. chases and any finance charge on Lite previous day's balance,subtract arty credits or payments credited as Equal Payment Plan.This balance will bee repaid in equal minimum payments.The promotional offer:viii of that day,and make other adjustments.A credit balance is treated as a balance of zero.The Balances spe=ity the amount of the minimum payment required on this balance. subject to Finance charge are the averages of the respective daily balances during the billing period.If you CLOSING DATE.Al our discretion,this statement may include charges,lees,and payments on the Closing Date. multiply this figure for each balance by the number of days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avuid periodic finance charges on puftlfases.f his is called a grace periodic rate,the result will be the periodic finance charges assessed far that balance,except formin'pr van- period on purchases.The race period is ai least 20 days.To et the race period em purchases,pay Lite fellow- ations caused by rounding. P g every g `g p ing amcun`.s 6y tile due dale every biling period: - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method I,If the periodic rate listed in the . the New Balance,less any No Interest,041,and Equal Payment Plan balances that expire alter the pay Finance Charge Summary Section of this statement is followed by an T,we use the foilowing calculation meet due date,plus method.To ge t the Balance Subject to Finance Charge for each balance(e.g,each purchase subject to pro motional terms,other regular revolve credit plan purchases and other major purchase clan purchases)ve the minimum xnthfy payments required for your NO Interest,016,and Equal Payment Pfau balances take the beginning balance for that balance every day(including finance charges imposed in previous billing that expire after the payment due date_ periods),add any new purchases,subtract any credits or payments credited as of that day,and make other It you do noL,you will not get a grace period unless you pay the abve amounts by the due date lot Iwo billing adjustments.A credit balance is treated as a balance of zero.Ibis gives us the daily balance.We add up all periods in a rum die daily balances fur the billing period(including the balances on the Closing Dalel and divide by the total in addition.certain promotional ollers may take away,the grace period on purchases,Other prornotionaf offers, number of days in the billing period.This gives us the Balance Subject to Finance Charge for that balance. in addition to No Irfierest,W9 and Equal Payment Plan offers,may also allow you to have a crate period on pur We liqure a portion of your finance charge on transactions subject to this calculation method by multiply- chases without having today all or a portion of the promotional balance by the due date.if either is the case, ing the applicable monthly periodic rate for that balance by the Balance subject to Finance Charge(mclud- the promotional offer will describe what bappens. ing new tansactions). BILLING RIGHTS SUMMARY.in Case of Errors ar Questions About Your Bill.If you think your bill is wrong, - AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method I-li the periodic rate listed in the or if you need more information about a transaction on your bill,write us at the Eilling Errors address_on this Finance Charge Summary Section of thls statement is followed by a'%",we use the following calculation statement as soon as possible We must hear from you no later than 50 days after we send you the first bill on method.To get the Balance Subject to Finance Charge for each balance(c.g,each purchase subject to pro- which the error or problem appeared.You can telephone us,but doing so vAil not preserve your rights. motional terms,other regular revolve;Tedil plan purchases and other major purchase plan purchases)vie In your letter,give us the following information: lake the beginning halance let That balance every day and subtract any credits or payments reedited as of . Your name end account number. that day and any unpaid finance charges We do not add in any new purchases.A credit balance is treated . The dollar amounl of the suspected-error. as a balance of zero.This gives us the daily balance.'Re add Ira all the daily balances far the billing period 8rduding the balances onIhe Closing Date)and divide by the total number of days in Lite billing period.i his ' D`5cribe the error and expain,it you can.why you believe liters is an error.If you need mare information, gives us the Balance Sutgecl to finance Charge fur that balance.We;inure a portion of your lname charge dn7ite L7e item you are unsure abouLPlease be sure al correspo:rdeirce issigned by lire;rimary cardholder, on transactions subject to the calculation method by multiplying the aliplicable monthly periodic rate for You do not have to pay any ar ouht in question while we are invest gating,But you are still obligated to pay the that balance_by t ne Balance Subject to Finance Charge(excluding new transactions). pars of your bill`that are not in question.While vie investigate your question,we cannot report you as defin- - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the quent on tae disputed item or take any ac;on to collect the amount you question. Finance Charge Summary Section of(his statement is followed by an°L",we use the following calculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To gel the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem with the merchant,you motional terms.other regular revolve crecil plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due on the goods or services.You have this protection only when take the beginning balance for that balance ever;day,add any new purchases,and subtract any credits or the purchase price is more than S50 and the purchase is made in your home state or within 100 miles of gout payments credited as of Thal day and any unpaid inance chames.A credit balance is treated as a balance mailing address.Of we own or baerate the merchant,or it we mailed you the advert isemen[for Cha property or of zero.This giyes us the dailybalance.iNe add up all the daily balances for the billing period(including the services,all purchases are covered regardless of anx:ur t or location of purdraseJ FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fait to make any required }payment on your Account when due or make a payment to us that is ret honored.See below for more details "With credit approval for qualifying purchases made on The Houle Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 213.99 0/6.Default APR up to 29.9901o, Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without riot ice. IMPORTANT PAYMENT INSTRUCTIONS, PAYMENT OPTIONS OTHER THAN REGULAR MAiL. Cmditing Payments.We must receive your mailed payment in proper form a''our processing facility,try 5 p.m Onfine Payments.Visit myhom>_depota countcom and sign up for free online payments.Enrollment may local time there.If we do,it will be credited as of that day.(Please refer to the top right hand corner on the take a few days If we receive your request to make an online payment by 5 p.rn.Eastern time,we will from:of your statement for processing facility,time zone)A payment received at the processing facility in credit your payment as of that day and it will post within three business days.If we receive your request to proper form after that lime will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment after that time,we will credit your payment as of the next day and it will post. to reach us.There may be a delay of up to S days in crediting a payment we receive that is not in proper form within three business days.For lecurily reasons,you may tie unable to pay your entire New Balance with in is not sent to the correct address.The correct address for a payment sent by regular mail is the address your first online payment, listed on the return envelope or on the front of the payment coupon.A payment made in-store is not sent to Pay by Phone Service.You may use this service any time to me ke a payment by phone,if your account is thecorrad address.Thecomect address Lora payment sent bycourterorexpress mail is the Express Payments eligible_You will be charged$1435 to use this senvice.Cali by 5 pure Eastern time to have your payment Address shown below, credited.,of than day and posted within,three business days.if you call aster that titre,your payment hill Proper Form.For a payment sent by mail or courier to be in proper form,you must: be credited as of the next day and posted within three business days.We may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically after we verily your identify. foreign currency please. Express Payments.You can send payment by courier or express mail to die Express Payments Address: • include your name and account number on the front of your check or money order Customer Service Center,Attention:Paymeof Mail Opening,80 W.Sahara Ave.,Las Vegas,NV 89117.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be received in proper tom at the proper address by 5 p.m Pacific time to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the check,We may do payments received ir,proper form at the proper address after that:time will be credited as of the next day. this as soon as the day we receive the check.Also,the check will be destroyed. In Store Payments tar your added convenience,payments can be made at The Home Depotr stores with Copy Fee.We charge S5 for each copy of a titling statement that dates back"s months or more We add the no service fee.Payments made at the store prior io the store closing time will be posted to your account as fee to a balance of our choosing.We reserve the right to add this fee to balances sub,iecf to a higher annual of that day but availab`lily may be sub;act to verification of funds. percentage rate.We waive the fee if your request for the copy relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY You may call Customer Seryice 24 hours a day,T days a week TheHomRDebotConsumer HDO309A Account: - 5439 CURRENT ACTIVITY Transaction Date Location7Transactions Amount MILLWORK $ 98.51 6020533 03130 THE HOME DEPOT MECHANICSBURG PA FLOORING $ 22742 PAINT LUMBER MILLWORK 04106 LATE FEE $ 39.00 04/10 'BILLED FINANCE CHARGES" $ 13.11 ANNUAL PERCENTAGE RATE on the account: 29.99%" "The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period an all balances an which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES' Payment NO INT-NO PMT FOR 6 MOS $701.74 0120109 0725109 $701.74 - - $701.74 $40.96 - NO INT-NO PMT FOR 6 MOS $326.63 0125/09 0750119 $326.63 - - $326.63 $17.99 - NO INT-NO PMT FOR 6 MOS $462.29 01131/D9 08/05/09 $462.29 - - $462.29 $23.61 - NO INT-NO PYMTS TIL 01/012010 $300.57 0321109 01/01/10 - - - $300.57 $5.23 - 'To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $733.32 0,08216% (M) 29.99% 30 - - NO INT-NO PMT FOR 6 MOS $340.26 0.08216% (M) 29.99% 30 - - NO INT-NO PMT FOR 6 MOS $479.76 0.08216% (M) 29.99% 30 - - NO INT-NO PYMTS TIL 01/012010 $212.13 0.08216% (M) 29.99% 30 - - REGUTAR REVOLVE CREDIT PLAN $531.79 0.08216% (M) 29.99% 30 $13.11 - a Z gk gg�°-- 0 _ A z6 YOU �. i W Z z i. °o Z a The new Philips dimmable bulb is ideal for recessed and track lighting fixtures. zf: It provides diffused,soft,white light,generates less heat than on incandescent Z bulb,and lasts up to seven years,'When used with the base up, it is even z z sullable for wel locations. i t• Z Fco-friendly,the compact fluorescent light(CFO bulb is comparable Z 1 r to a 65-watt incandescent bulb.You may save up to$39 over the ; !ife of the bulb.'* IM F £ s W-1 ILtAfF t T. F!r., �-`•:.r�°;'` �x',G� • y;�at � � } .sir 4` yr ,��[. y� � sense and saits�plicity a,` �,. RIM,.. *,"s; .ble for indoor cr o_dnor use dc%vn to-10°r.UL opproved for outdoor vvel locattort ooptiomions when use cao:e :tp cost eovm use c,4doos nogg?es an etcios i or vxeotherrofectl 'ix!�re wi �"Ene rgy sovines ever rated averoar h.e tanpareo to incrndesrPnt equiva!ent base an$,1Q kw/n r,�te 20.."4!'orser?Li:,tra:.All riGna ra�ern Page 2 of 5 Account: 5433 GIVE YOUR BATHROOM A WAIN " MO The Home Depot's expanded product offerings allow you to save energy and water without sacrificing performance. e The EPA estimates flat a fomily of four that replaces less-efficient toilets will save on average more than$90 c year on water utility btfs...and$2,000 over the lifetime of the toilets_ x•_q, n Install WaterSense-labeled fixtures and sove more than 11,000 . gallons of water annually.WaterSense-labeled toilets are available in a broad range of styles and of a variety of prices. !s You can save even more by adding high-efficiency showerheads, foucers and aerators,all available at The Nome Depots. Not only will you cut your water bills,you'll reduce your water-heating energy costs as well. SAVE MONEY., verse' W^i! ,�:r`,: ; .�� i� s r� •_�,,�`g'�y�.:-� ,a t4 .©Pt10tiS �;�r�„r � , i '�'°t For more WaterSense information and products �sft_a ; visit ltEiriE f YAOt.£tl 8 t 4YtStF i Ct57tert atAA�F. c,A `�_� iL H rnet TiC,1nL.All i' t is r� aFV d. r-11 } W, s OW M. C y rs� ; .;,•. rye' .,,n S ..•i.r?y 4' C., v:{ + r '�`x r ... ...._._. __... ✓ - .}rt 1, -4 . .5'w- �:, 4 "' AV2.^`el. $149—S299: TiMM'.. —S599 $75 On combined aura loses of oil Dartabie Dower too s, generata v, •- xy t 7 z f �� - �". g $ €-5994 i$150 .. 4ompressors, pneumatics,pneurno is fasteners, lobsi.e ttools and � � � � �� ,� woifdrr vacs i•.tinirnun7 purchases$149. ,- } " fib � � $1,000 41 Offer valid from April 23 through May 6,2009. tncFave set F,C t ixxwcr Facti at fix rombinar(on of.Aeci pewter tools and receive an ir„?ast ravings w0+Instant Rebate Coupon.Chili valid 4/21/00 throw 5/06,%i7v in:he t!,S.Pumio Ram, Guam and U.S.+1rgin Iswnds,Tile Horne Dopars sioras only.Pur6asc q all{:kng pr��zticts or t o ccmbYna7icn of qual,ying p aduC.s and rocs M a$25 Instal;Scongr tar auraha as bawsln $14`'•$254,a 75 tisston;Savings for puxaaes 1)uiweon$3'30-$599,a$1_50 ins-arr.Sav€r.cs tar pt:rchaies hrmaa$6U $ci99,e$300 trsiwt Savings for pwat";csas ct$1=0 or moms Minimum qualitying p.;rcf} vat;ies excii+der taxes and any oi4w tees.Offer valid only,on the szngt of coma»riser pwchasca of qws+!}'ins po,.bbie p-Aer fasts, uin CS,}nev lotto!stenar<_, benc^./stationcty#,ais;ccinprescors and t Je,i/Dfy Y=.,7osir.;oie wietaiurs one aiher peri'ciaating items from within the F•ta,:-e Depol's;ro,,-vwe dep—,a :er.!,Offet not valid oat 16 pu;ches- of cry other pc wer cmduds or_steners sold cy Tha Horne 0epo ynduding,but not iirmted k•:aec!r s!uoitm and electric gl_:na P%` Les;home generaicr skied}-by unite,wncir:g eyuiprnent, n a rs ed vdnc ;cncrcers or power pnadocts%ern w rit of ne i cme Oe s'do Gr ants including, t to t i;ri ev tq, ±re?esnt Czpi., iurnbiry Dept.,Etertr�c&tscg}:c Etipt.,lave G..aiden De t-a,Kn6en arid Appliance DfGM.✓rtf not Vatid on prie,oviclic -clemoncs rne,60,tdise_ urcho�es ar ciih^,,.(,'Ids or C.'en:'X'C]aes,or rtiritt on y Cider cite,.r4lier[!e P F P } and;se eery vcy tvf Store,t:o cra?t if c Efsr reiosed r eth va ue i/2C h LL 1 cent.As associo a for ins an lehnte farm vile camp re rtefciis.CS2C Numer T ,in:.Ni right to en ad. Page 3 of 5 O z Z Z WZ A z Z O z O Z W I Z Z I Z Z Z Z JUSTIN BARBER, Now is the right time to transform your home into the living space you've been dreaming about. Take advantage of this special offer today! ON PURCHASES THAT TOTAL $299 OR MORE MADE ON THE HOME DEPOT CONSUMER CREDIT CARD r^ HURRY! OFFER GOOD: 4/23/09 4/28/09 *See reverse for details. ° ' Page 4 of 5 Account Statement 4 Shop online with Send Notice of Billing Errors and Customer Service: 0 Mailed payments must be T+ Depaf Cpe€a.Ladd as Customer service Inquiries lo: myhomedepOtaCCOUnt.COm received by 5:00 p.m. HOME DEPOT CREDIT SERVICES or 1-800-677-0232 Central Time on homedepot.comW, PO Box 6891 D0,DES MOINES IA 50368-9100 Account: 5439 JUNE 06,2009 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due` MAY 11,2009 JUNE 1D,2009 $4,000.00 $933.00 JUNE 05,2009 $33.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balancet $840.01 $149.00 11�� $201.02 11-- $23.59 $915.62 Promotion Balance $1,791.23 $0.00 T $359.30 T $0.00 — $2,150.53 Total Balance $2,631.24 $149.00 $560.32 $23.59 $3,066.15 t Revolvi rig Balance includes non-promotional transactions plus Promorions that have expired. CURRENT ACTIVITY Transaction Date LocatioNTransactions Amount SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 5016942 04/1D THE HOME DEPOT MECHANICSBURG PA MILLWORK $ 19051 PAINT HARDWARE F91960038000UM107 04111 LATE FEE REVERSAL $ 39.00- P9196003900Y4RF8Z 04/14 PAYMENT-THANK YOU $ 10.00- 1162936 04114 THE HOME DEPOT MECHANICSBURG PA ELECTRICAL AND LIGHTING $ 10.51 MILLWORK P9194003D09Y0J137 04/18 PAYMENT-THANK YOU $ 100.00- 6183358 05/09 THE HOME DEPOT MECHANICSBURG PA SEASONAUGARDEN $ 359.30 PROMOTIONAL PURCHASE: To avoid finance charges,please pay the above in full by 11/11/2009 D5/11 `BILLED FINANCE CHARGES' $ 23.59 m Z ANNUAL PERCENTAGE RATE on the account: 29.99%" CD z "The'ANNUAL PERCENTAGE PATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. 2 Z Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to (p 1 each balance. 1.0 Z cn Z V Z Z of oZ O Z ,:. _ R ... .. -< " . �#` We've lowered over a thousand prices zi on the things you use and buy the most— z r!° 3 Z so you can do more xith ycur budget �4 j•; z and your spring. That's the power of The Home Depots. More saving.More doing. continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 of4 ------------------------------------------------------------------------------------------------------------- +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $31066.15 JUNE 06,2009 $0.00 $33.00* $ Make Checks Payable to: $ ' HOME DEPOT CREDIT SERVICES We've permanently reduced prices an thousands of items storewide. YWI The Home Depot@ today and look for the new lower prices. 5439030661500100000003300105 KBAVHDi2 S.NiM 356719 A HOME DEPOT CREDIT SERVICES Ln 1„1111111111111111111111„1111,!11,II r,1„1111111,1111111,111 PROCESSING CENTER JUSTIN BARDER DES MOINES,IA 50364-0500 606 B ST 11111,1111,11111,111„{,11111111!111111.1111,,,11l,1111,L1,11 ENOLA,PA 117025-116011 Prim address changes above in blue or black ink. FINANCE CHARGES accrue from the date of purchase at the regular purchase raie I in effect from qme to time and all acctued FINANCE CHARGES will be odded to your Account for the entire promotional period if qualifying purchases (including t i premiums for optional credit insurance) are not paid in full before the end of the promotional period or if you fail to make any required payment on your Acccunr i l when due or make a payment.o us that is not honored. See below tz>r more details. `With credit approvol for quolifying purchases made on The `comer Dapot or EXPO Design Clenter Consumer Credit Card. -'or accounts in good standing, APRs up to 26.99%. Default APR up to 29.9.0%. Minimum FINANCE CHARGE:$2. ON PURCHASES THAT TOTAL $299 Lower rates may apply. See cord ogreen;ant for doiaik including whar. the OR MORE MARE ON THE HOME DEPOT default rasa applies. Offer is only valid for consumer accounts and from CONSUMER CREDIT CARD 4/23/09 through 4/28/01y. HURRY! OFFER GOOD: 4/23/09 - 4/28/09 9 2009 Homer TIC,tac.At,rights tesen ed. Page 5 of 5 information About Your Account balances on the Closing Date)and divide by the total number of days it the bitting per ad.This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to finance Charge for that balance.We Figure a portion of your finance charge on Iransac- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this calculation nova oil by multiplying the applicable monthly periodk rate for that balance by the Balance Sublet:to France Charge(including ncv transactions). TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS}-Method C.If the periodic rate - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method M.N[tie periodic rate listed in the listed in the Finance Charge Summary Section of this statement is followed by a"C",vie figure a portion of Finance Charge Summary of this statement is followwi by an"kT',we use the following calculation method. the finance charge on your account each day bill n•.ultiplying the daily,balance for each balance(eg,each We calculate periodic finance charges separately For each balance Balances include regular purchases and purchase subject to promotional terms,other regoLar revolve credit plan purchases and other major pur- different pror wtianal balances To get a daily balance,w?skirt latch the balance as of the end of the previ- chase plan purchases#by tie app€ira`;€e daily petiaic rake We do this each day of the billing period,induct ous day.We add any periodic finance charge on the previous day's balaace-(this results in daily compound- €ng the Closing Date,in addition,for each balance,we multiply the da€ly balance for each day of the previ- ing of finance charges.)We add arty new charges.We then subtract any n?w credits or payments and make ous billing period by the applicable daily perfnd€c rate.unless your account was credited for the amount other adjustments.A credit balance is treater as a balance of zero.We figure the periodic finance charge by required to get the grace period an purchases(described below,in the section entitled the-;race Period or multiplying the daily ba lance by its daily periodic rate We do this for each day in the billing ponied The Purchases)or a pengdfc Finance charge was already billed or that balance-to gel the daily balance,we take Balance Subject to Fire rice Charge is the average of the da'€v balances during the hiking period,It you not- the beginning balar;ce for each balance every day,add any new purchases,lees,and any finance charge on tiply this figure for each balance by Its daily periodic rate and by the number of days in the billing period, the previous cay'sbalance,subtract any credntsor payments credited as of that day,and make other adjust- the result is the total Deriodit finance charge on that balance.Rounding may cause a small diflerence. meats.A credit balance is treated as a balance of zero.The Balances Subject to finance Charge are lbre aver PROMOTIONS.yd?may offer you promotional tenons tgr all or a part o1 atry balances Any promotional terms ages of the respective daily balances during the applicable_ilfinq periods.If you multiply the current cycle may apply N a limited offer y of lime promotional wit#be governed h Ufrt terns of I a promotional Any utter and your Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily p Y p g Y p yo periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge Ail currently subject to Card Agreement i hey nay include the No Interest.0%,and Lqual Fayment Plan offers described below,Your a finance charge)by the number of days in that billing period antl by the applicable daily periodic rate,and promotional terms may end it you default under the Caro Agreement Decaus?you do not make(lie minimum add those two ficores together,the result will be the periodic finance charges assessed for that balance, payment when due•go over the credit line,or make a payment to us that is not honored except for minor variations caused by rounding. No Interest NO finance charges will be imposed on this balance it you pay fro balance in full by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the.peril race listed in the end of the promotional Deriod.We will impose finance charges on this balance if you do not pay the bal- Fhmnce Charge Summary Section of this statement is followed by a"H".we,Figure a portion of the finance ance in lull by the end of the prornotional period or the promotional terns are terminated.tale will charge on your account each day by multiplying the daily balance for each ba#ance leg.,each purchase sub- impose these finance charges from the date of purchase until the balance is?aid in full.The promotion- jecl to pramotional terms,other regular revolve credit p'an purchases and other major purchase plan pur- at offer will specify the amount of any minimum payment requ€red on this balance. chases)by the applicable daily periodic rate We do this each day of the billing period,including the Closing OIAo Nu finance charges are imposed on this balance during the pronfAional period.The promotional Date to get the daily balance,ore take the beginning balance lot each balance eyery day,add any new pur- oiler will specify the amount of any minimum paymenl required on this i>alartce- oases and any finance charge un the previous day's balance.subtract any credits or payments credited as Equal Payment Plan.]his balal will oe repaid in equal minimum payments.The promotional offer wig of that day,and make other adjustments.A credit balance is treated as a balance of zero.The Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the averages of the respective daily balances during the billing period.If you CLOSING DATE At our discretion,this statement may include chargs,fees,and payments on the Closing Date, multiply this figure for each balance by the number of days in the bitting period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges ooh purchases this is called a grace periodic rate,the result will be tix periodic finance charges assessed for that balance,except for minor vari- period on purchases.The grace period is at least 20 days-To get the grace period on purchases,pay the follow- ons caused by rounding. ing amuunts by the due dale every billing period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic,rate listed in the the New Balance,less any No Interest,0 9a,and Equal Payment Plan balances that expire after the pay- Finance Charge Summary Section of this statement is followed by an"I",we use the following calculation ment due date,plus method.To g':t the Balance Suti?d to finance Charge for each balance(eg.,each purchase subject to pro- the minimum monthly payments required for your No Irterest,0%.and Equal Payment Plan balances motional Ierms,other regular revolve credit plan purchases and other major purchase plan purchases)vie that expire alter the merit due date. lake the beginning balance for that balance every day(including Finance charges imposed in previous billing payment periods),add any new purchases,subtract any credits or payments credited as of that day,and rake other It you do not,you will rot gel a grace period unless you pay the above amounts by the doe date for two billing adjustments.A credit balance is treated as a balance of tem this gives us the daily balance.five add up all Pail in a Few. the daily balances for the billing period(including the balahxes on the Closing Date,and divide by the total In addition,certain promotional oilers may take away file grace period on purchases.Other promotional offers, number of days in the billing Period.this gives is the Balance Subject to Finance Charge for that balance in addf.on to No Interest,D°,'a and Equal Payment Plan offers,may also allow you to have a grace period or:pur We figure a 0ortion of your finance charge on transa.-tions subject to this calculation ral by mulk;ply- chases without having to pay all or a porpon of the promotional balance by the due date.If either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(mctud- the promotional oiler will describe what happens, ing new transactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If you think your bill is wrong, w AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or it you need more informal ion about a transaction on your bill,write us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a"K",we use the folloil cacu€atim statement as soon as possible.We must hear from you no later than b0 Days alter we send you tae first bill on method.To get the Balance Subject to Finance Charge for each balance l each purchase subject to pro- which the error or pxobiem app?ared.You can teiephsne us,Out dalag so will not preserve your ril national terms,Other regular revolve creliit plan purchases and tither mayor purchase plan purchases)vie In your letter,give us the following information: la±.e the beginning balance for that balance every day and subtract any credits or payments credited as of your nave and account number. that day and any unpaid finance charges,We do net add in any new purchases.A credit balance is'uealed as a balance of zato.This gives us the daily batEri Ale add up all the daily balances for the tilling period ^ The dollar amount of the suspected error, finduding the balances on the Closing Dale)and divide by the total null of days in the billing period.I his • Describe the error and explain if you cat why you believe(here is an error.11 you need rrore hiotmalion, gives us the Balance Subject to finance Charge for that balance.We figure a portion of your finance charge describe the tion you are unsure about.Pieasr be sure all correspondence is sidrr.-d by,One primary cardiroldec on t raresactians subject to this calculation method by mufti]lying ice applicable monthly periodic rate for You dg not have to pay any amount in question while we are investigating.But you are still obligated to pay the that batance by the Balance Subject is Finance Charge iexduding new loan action:}. parts of your bill.that are not in question.While we investigate your question,we cannot report you as detin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.U the periodic rate listed in the quent on the disputed item c•r take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L",we use the following calculation Special Rule for Credit Card Purchases.If you have a proble in with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(eg,,each purchase_subject to pro- purhased with a credit card,and you hay,tried in good faith to correct the prof-lem;rift the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)vie may net have to pay the remaining amount due on the goods or services.You have this protection only when tare the beginning balance for that balance every day,add any new purchases,and subtract any credit or the purchase price is note than S50 and the purchase is made in your home Slate or Vdth•.n 100 rules of your payments credited as of that day and any unpaid 11nance charges,A credit balance Is treated as a balance mailing address,fit we own or operate the merchant,or it we mailed you the advertisement for the property or of zero.Tails gives us I he da€ly balance.We add up all the daily balances for the billing period(Including the services,all purchases are covered regardless Of amount or toaticin of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(Including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required I paymeal on your Account when due or make a payment to us that is not honored.See below for more details. lWh credit approval for qualifying purchases made an The Home Depot or UPO Design Center Consumer Credit Card,For accounts in good standing,APIA up to 26.99%,Default APR up to 29.99%. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies,Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.We must receive your mailed payment in proper form at but processing facility by 5 p.m • Online Payments.Visit myhomedepotaccountcom and sign up for free online payments.Enrollment may local time there If vie do,it will be credited as of that day.(Please reler to the top right hand corner on the take a few days.If we receive your request to make an online payment by 5 p.m Eastern time,we will from of your statement for processing lacirity time zonel A payment received at the processing facility in credit your payment as of that day and it will post within three business days If vie receive your request to proper term after that time will be trediled as of the next day Allow 5 to 7 days for payments by regular mail make an online payment alien that time,we vales credit your payment as OF the neat day and it will pest to reach us.1here may be a delay of up to 5 drys in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be unable to pay your entire New Balance with cr is not sent to the correct address.The correct address for a payment sent by regular mail Is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made in-store is not sent to Pay by Phone Serr ce.You may use this service any lane io make a payment by phone,if your account is the correct address The correct address for a payment sent by courier or express mail is the Express Payments eligible.You will be charged S14.95 to use this service Call by 5 p.m.Eastern time to have your payment Address shown below. credited as at that day and posted within three business days.l'you call after that time,your payment will Proper Form-For a payment sent by mail or courier to be in proper form you must: be credited as of the nexl day and posted within three business days.We may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services,Na cash,gilt cards,or el ttrnnital!y oiler we verity your id?nf fly. foreign currency please. + Express Payments.You can send payment by courier or express mail to the Express Pa meats Ad r=_ss: • Include your name and account number on the from at your dheck or money order, Customer Service Center,Attention:Payme of Mail ripening:87:5 W.Sahara Ave,Las Vegas,N.89Th.Payment It you send an eligible cbedk with this payment coupon,you authol us to complete your payment by must be received in proper form at the proper address by 5 p.m Pacilic Brno to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the obeck.We may do payments received in proper Corm at the proper address after that time will be credited as of the next day, this as soon as the day we receive the check.Also,the check will be destroyed. • In Store Payments.For your added eonve,ial payments can be made at me Home Depot"stores with rid service fee Payments made at the store prior to the store closirr time will he posted to your account as Copy Fee.ri'?charge S5 for eacfi dopy of a billing statement that dates back 3 months or more.We add the of that day but availability may be subject to verification of funds. fee to a balance of our choosing.We reserve the right to add this fee to balances suttlect to a higher annual percentage rat?.We waive the fee if your request for the copy relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hours a day.7 days a week The Home Depot Consumer HD 0309A Page 2 of 4 Account. 5439 PROMOTIONS original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES` Payment NO INT-NO PMT FOR 6 MOS $701.74 0120/09 0725109 $701.74 - - $701.74 $60.11 - NO INT-NO PMT FOR 6 MOS $326.63 0125/D9 07/30/09 $326.63 - - $326.63 $26.87 - NO WT-NO PMT FOR 6 MOS $462.29 01 r31/09 08105109 $462.29 - - $462.29 $35.14 - NO INT-NO PMT FOR 6 MOS $359.30 05/09/09 11/11/09 - - - $359.30 $0.88 - NOINT-NOPYMTSTIL01/0112010 $300.57 0321/09 01/01/10 $300.57 - - $300.57 $13.12 - 'To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown- FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $751.91 0.08216% (M) 29.99% 31 - - NO INT-NO PMT FOR 6 MOS $348.89 0.08216% (M) 29.99% 31 - - NO INT-NO PMT FOR 6 MOS $491.93 0.08216% (M) 29.99% 31 - - NO INT-NO PMT FOR 6 MOS $34.79 0.08216% (M) 29.99% 31 - - NO INT-NO PYMTS TIL 01/01/2010 $309.59 0.08216% (M) 29.99% 31 - - REGULAR REVOLVE CREDIT PLAN $926.13 0.08216% (M) 29.99% 31 $23.59 - PAYMENTS5 NO INTEREST r IF PAID IN FULL WITHIN 12 MONTHS" ON ALL PURCHASES THAT TOTAL $299 OR MORE HIVIRIFIffl. OFF ON THE HOME DEPOP CONSUMER CREDIT CARD co Z 5/14/09 - 5/27/09 in TW Z More wving More doing:EZA z W z 0 2OW Homer TLC,Inc.AY ria nts reserved. cnZ r° -- ---- ----- -- ------ ffi --------- 4 z FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FIDE ANCE� o I i CHARGES v.-ill he added to your Account' for the entire promotional period if qualifying purchases(including premiums for optional credit C5 z Insurance)are net paid in full before the end of the promotional period or if you fail to make any require,✓payment on your Account when due N �cr make a p3vment to us that is not honored.See below for more details. - - ..........----- ----------......-............................__................-........_ Z '0,ith credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good Z standing,APRs up to 26.59%h Default APR up to 23.t 9%-Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for zdetails including when the default rate applies.Offer is only valid for Consumer accounts and from 5/14/09 through 5/27109. z IINITRIODUCING TREE GREAT 1` P0011WER PAIN "I"OU Cordless Power Paint Sprayer Tool Kit Cordless Backpack Power Paint Tool System DUET'Power Paint Tool System M. *Cordless convenience makes paint a Ergonomic backpack design for a Allows two users to roll and do trim work projects fast and easy maximum portability at the same time *Eliminates the need for dilution a FLUID TEHCNOLOGY`:No Dilution,Easy Setup, a Only unit in its class with versatility to use as *Works with all Ryobie ONE+r"products Easy-Cleaning system a roller and finish sprayer Works with all Ryobi®ONE+'products a FLUID TEHCNOLOGY'":No Dilution,Easy Setup,Easy-Cleaning System luu 13 rbelrnoroyy' Shop at The Horne Dep�oe fear a wide selection tat Ryobi'"products. ' EXCLUSIVELY AT 'o � For further product information visit Ins mc--de-pat.clDm palntspmyers. 02DD9 Homer TLC,Ino.Adrighm-resenv;eo. Page 3 of 4 Account: 5439 S VE 1 /o Y � � O ��. LEA OL��`{ SPECIAL ORDER BLINDS AND SHADES Offer valid April 30—June 3,2009. n Transform your home now with Levolor custom window treatments at special savings. - n Choose blinds and shades includin g energy-saving ener cellular shades in a variety of stylish colors and textures. =� 0 Complete the job with coordinated decorative Levolor hardware that complements your selections and decor perfectly. :r;?'_ Q.- �g � VISIT YOUR LOCAL THE HOME DEPOrTODAYI �f LGYVLVR //�'^per `Osier valid 4i3QE09—6,3.09 on ute rurchase of Lerolor special order Y4rlow lie-an-rents,Otter valid in U.S., Pueft P.im,u•S.v i.and Guarn Thr:Horne rd par Stores.Offer wal;d ep s y3alpf wdst proauat ordy and door not apply to irrs:ock product or ins`.a!iation swcas.C--;.cog Hamer Tt C.Inc.Ali rights reserved. F MEMBERSHIP r am GARDEN CLUB zc T HOME DE P Your free Garden Club Membership entitles you to expert answers to all of your outdoor questions within 24 hours,customized gardening info for your region, DIY projects for gardens, lawns and landscaping plus hundreds of dollars in savings IX y throughout the year. Expert advice a Projects and tips a Customized info m Year-round savings Sign up today at homedepotgardenclub.com/register ` ©e)i L� a- Hner TLC,inc.All rights reserved. HOME DECORATORS Discover why Home Decorators Collection is one collection of the nation's largest direct sellers of home decor. where value and seleckion come home Lr 10% when you shop with The Home Depot® ON YOUR ORDER Consumer Credit Card OF $299 OR MORE now through 8/31/09 Entar code 1758715 on the shopping cart page at kfomeLlecoretors,corrYcreditof-fer or mention it when you order by phone at 1-800-245-2217.Deterred financing available. `Tha'1056 discccrl is valid now through:August 31,Za79 and is good!or a disouunt on the tolal rrmrdnandise value of your single-re-wipt purchase of 52 3 or morn made with The Home Depot Consumer Credit Card from HcmeDecorators.com,the current Home Decorators Col!ecticn catalog,cr Home Decorators Collection retail stores on!y.This after ca riot be used F—�HorneDecoratorsoutletcom:cannot be combined with any Other oiler;cannot be Transferred;and does not apply to taxes andior proceesingishipping charge=.Cr g3t card or Previous purchesea No credit if offer refused.Cash value IP.0 th of 1 cent. Page 4 of 4 Account Statement Shop online w th Send Notice of Billing Errors and Customer Service: FfW k�,c,�,-np;f�? C Z' ty�, a Customer Service Inquiries to: myhomedepotaccoum.com Mailed payments P ustbe isr1IR 7x received b 5:00 m. HOME DEPOT CREDIT SERVICES or 1-800-677-n9a9 Central Time on homedepot.co tYl PO BOX 689100,DES MOINES IA 50368-9100 Account: S 5439 JULY 06,20N- Closing Date Next posing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' JUNE 10,2009 JULY 13,2009 $4,000.00 $545.00 JULY 06,2009 $114.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balance't $915.62 $20.23 $408.34 1� $28.50 $1,33223 Promotion Balance $2,150.53 i $28.95 + $0.00 T $0.00 $2,121.58 Total Balance $3,066.15 $49.18 $408.34 $28.50 $3,453.81 f Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENTACTIW7Y Transaction Date LocationfTransactions Amount Forget to put your payment in the mail?You can make a payment by calling us at 1-866-435-6176;online at myhomedepotaccountcom or at your local The Home Depot store.We're here for you. Your late fee was based on an account balance of$3,386.31,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 3015661 0522 THE HOME DEPOT MECHANICSBURG PA MILLWORK $ 214.77 LUMBER 1016D94 0524 THE HOME DEPOT MECHANICSBURG PA HARDWARE $ 42.34 ELECTRICAL AND LIGHTING PAINT 0583504 0525 THE HOME DEPOT MECHANICSBURG PA FLOORING $ 11223 9165D12 0526 THE HOME DEPOT MECHANICSBURG PA CREDIT 0 Z PLUMBING $ 28.95- 0 Z FLOORING -`Z PLUMBING $ 20.23- <D Z I FLOORING Z TRANSACTION TOTAL $ 49.18- M Z N Z U7 z W I O o ZG P�1ta�pttlt tpjHltftN iltttktfl�tRlEl1 z , .. ... �.,..:....,...1,,._.. Help Dad Do fore. Give him The Home Depot Glft Card. z It's the perfect way to say'Happy Father's Day, Dad!"With over 2,100 stores and new lower z prices at each one,you can feel confident Dad will find exactly what he wants.Available z in stores and Online. Plus,The Home Depot Gift Card has no fees and never expires. 4 r :f Father's Day is June 21. More saving.More doing. continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 of4 ----------------------------------'-------------------------------------------------------------------------------------------' +Please detach hers. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $3,453.81 JULY 06,2009 $33.00 $114.00 $ Make Checks Payable to: HOME DEPOT CREDIT SERVICES We&a permanently reduced prices on thousands of items sFt.R'd'd.at.jW Visit The Home Depots today and laoic for the new lower prices. 5439034538100100000011400105 KBAVHDi2 &dW09 365253 9A w HOME DEPOT CREDIT SERVICES Ln PROCESSING CENTER N) 364 JUSTIN BARDER DES MOINES,IA 50 -0500 606 B ST ENOLA,PA 1702S--16011 Prim address changes above in blue or black ink Information About Your Account balances on the Closing Date)and divide try the total number of days in the billing period This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to finance Charge for that balance.Ae figure a portion Of your finance charge on Iransac• • BALANCE SUBJECT TO FINANCE CHARGE Lions subject to this calculation ine,hod by multiplying the applicable monthly periodic rate for that balance TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)Method C.If the petiodit rate by the Balance Subject to Finance Charge Circluding iiev transactions)_ listed in the Finance Charge Summary Section o this statement is followed by a"C",Tie figure a portion of AVERAGE DAILY BALANCE(this statement nt is T(low-4 y an"Il-,vie use M.li the periodic rate listed in the Finance Charge Summary of this statement is followed by an"M",we use the include char Purchases method. the finance charge on your account each day by multiplying the daily balance for each balance(eg.each following purchase subject to promotional terms,other regular revolve credit plan purchases and other major pur- tie calculate periodic tuwnce charges separately balance,for each balance Balances include regular purchases and chase plan purchases)by tine appfiable daily periodic rate.We do tits each day of the billing period.includ- ous day.Vie add arty balances To c a daily balance,we Stan y's balance.the (Ibis as of the?rid of the prey- ing the Closing Date.In addition,for each balance,we multiply the daily balance far each day of the previ- ass f finnan add any parodic finance charge rg lri£previous btr"z ny new credits results a daily compound- ing billing period by the applicable daily periodic rata,unless your account was credited for the amount ing of finance charges l dim add arty new charges.Vie:hen subtract any new credits io payments and make required to get the grace period an purchases(described below in the section entitled the Grace Period on other ad ants.A credit balance is beater as a Oalznce of zero.We figure the periodic finance charge by Purchases)car a periodic finance charge was already billed on that balance.Io cel the dally balance,we take Balance rig the dairy arise C by its daily v periodic rata We do this far each day in the billing period.you The the be innin balance for each balance ever day,add any new urdrases.`ees,and an finance charge un Balance Subject to Finance Charge is the average ut the da:,y balances during the b litho period,If you muI g• 9. Y y y p. Y g- Li I this I ure for each balance b'• Its tai! iodic rate and b' the number of days in the billing nod the prevlousc3y's talance,subtract any credits or payments credited as of that day,and make-Vier adjust- P y q Y Y Y 9 P£ ` , ments.A credit ba'ance is treated as a balance of zero.The Balances Subject to Finance Charge are the aver- the result s the total eriodic finance charge on that balance,Rounding may cause a small dillerence. ages of the respective daily balances during the applicable billing periods.If you multiply the current cycle PROMOTIONS.We may offer you promotional terms for 41 or a part of arty balances Any promotional terms Balance Subject to finance Charge_by the numrber of days in the billing period and by the applicable daily may apply for a limited period of time Itw wN be governed ty the terms of t he prop utiorial offer and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(if currently subject to Card Agreement.1 hey include Ili?No Interest.050,and tqual Payrnenl Plan offers described below Your a finance charge,)by the number of days in that billing period and by the applicable daily periodic rate,and promotional terms may end it you default under the Card Agreement because you do not mak£the minimum add those two figures together,the result will be the periodic finance charges assessed for that balance. payment when due,go over the crept line,or make a payment to us that is n'ol horcr?d except for minor variations caused by rounding. No Interest.No finance charges will to imposed on this balance if you pay ice balance in cuff by the AVERAGE DAL LY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the per€odic rate fisted in the end of the promotional period.We will impose Finance charges on this balance if you do not pay the bal- Finance Charge Summary Section of Misstatement is followed N,a"H",WE figure a portion Of the finance ance in full by the end of the promotional period or the promotional terms are terminated.We will charge on your account each day by multiplying Ili£dally balance for each balance rag.,each purchase sub- impose these finance charges from the date of purchase until the balance is paid in full.The promotion- ject to prdmulixlal terns,other regular revolve credit plan purchases and Oilier major purchase plan pur al offer will specify the amount of any min imum payment required on this balance. chases)by the applicable daily periodic rate We do this each day of[the billing period,including the dosing OIA.No finance charges are imposed on this balance during the promotional period.Tne progtotioral Delp-to get the dai!y balance,we take the beginning balance for each balance every day,add any new pur- Offer viilf specify the amount of any minimum payment required ors this balanct chases and any finance charge on the previous day's balance,subtract any credits or payments credited as - Equal Payment Plan-Ibis balance will be repaid in equal minimum payments.the promotional offer will of that day,and make other adjustment&A credit balance is treated as a balance of zero.Tne Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the averages c the respective daily balances during the billing period.if you CLOSING DATE A'our discretion,this statement may incude charges,fees,and payments on the Closing Data multiply this figure for each balance by the number of day_in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.Fos can avoid eriodic finance Charges On lhis is called a race periodic rate,the result wit:bathe periodic finance charges assessed for that balance,except for minor van- period on purchases.The grace period is at least 20 days.To get the grace period on purchases,pay the fellow- ations taus<_d by rounding. ing amounts by the due date every bill:rig period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method I.If the periodic rate listed in the the New Balance,less am No Interest,0.%and Equal Payment Plan balances that er,ire after the Finance Charge Summary Section of this statement is followed by an"I",we use the follow€ng calculation merit due dal?,plus y q p pay- Finance To gEi the P.alarr a Subject to Finance Charge for each balance(e.g.,each purdlas,subject to pro- rnotlonal terms,other regular revolve credit plan purchases and other major purchase plan purchases)we the minimum monthly payments required for your No Interest,Th.and Equal Payment Plan balances Lake the beduning balance for that balance every day(including finance charges imposed in previous billing that expire alter the payment due date. periods),add any new pir-chases,subtrad any credits or payneits credited as of:hat day,and make other If you do not,you will riot get a grace period unless you pay the above_amounts by the due date for two billing adjustments.A credit balance is treated as a balance of zero.this gives us the daily balance.tire add up all periods in a raw the daily balances for the billing period(including the balances on the Closing Dale!and divide by the total In addition,certain promotional oilers may laf.e away ilia grace period on purchases.Other promotional o[fe s, number of days in the tillinq period.this gives is the Balance Subject to finance Charge for'hat balance in add t ion to No Interest,0%and Equal Payment Plan offer,may also allow you to have a grace period or:pur- We figure a portion of your finance charge on transactions subject to this calculation metnool by multiply- chases Trrthout having to pay all or a portion of the promotional balance by the due date.If either 6 the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to finance Charge(incfud- the promotignaI offer will describe what happens. ing new iransactions). BILLING RIGHTS SUMMARY In Case of Errors or Questions About Your Bill.If you think your bill is wrong, - AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTION"ethod K.If the periodic rate listed in the or If you need more informal ion about a transaction on your bill,write us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed ter a'Y;",we use the fullorwing calculation statement as soon as possible.We must hear from you no later than 60 days after we send you the first bill on method.To get the Balance Subject to Finance Charge for each balance(eA.,each purchase subject to pro- which the error or problem appeared.You can tefephune ins,but doing so will not preserve your rights. motional[erns,other regular revolve credit plan purchases and other major purchase plan purchases)we In your letter.dive us the following information: takke the beginning balance for fiat balance every day and subtract any credits or payments credited as of Your name and account numb-er. that,day and any unpaid finance charge&Vie:o nut add is any new purchases.A credit balance is trued The du€€car amount of the suspected error. as a balance of zero.This gives us the daily balanc?We add up all the daily balances for the billing period I'mcluding the balanceson the Closing Date)and divide by the total number of days in the billing period.[his • Describe the error and explain,it you can,why you believe(here is an erttr.If you need more iniornalion, gives us the Balance Subject to t indree Charge for that balanca We€igure a portion of your finance charge describe Lie item you are unsure abort.Please be sine alt correspondence is sigrrd by the primary cardholder. on transactions subject to this calculation method by multiplying the applicable monthly periodic rate for you do not have to pay any amount in question while vie are invesiigatinb.But You are still obligated to pay the that balance by the Balance Sub ect to Finance Charge;excluding rew transactions), parts of your WE that are not in question.,while we investigate your question,the cannot report you as Jelin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.If the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an•L",we use the following calculation Special Rule for Credit Card Purchases.tf you haver a problem with the quality of goods or services that you method.To gei the Balance Subject to finance Charge for each balance(e,9.,each purchase subject to pre- purchased with a credit card,and you have tried in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchas?s)vm may not have to pay the remaining amount due an the goods or services.You have this protection only when take the beginning balance for that balance every day,add any new purchases,and subtract any credits or the purchase price is more than SSO and the purchase is made in your home state or w€thin 100 miles of your payments credited as of that day and any unnaid finance charges.A credit balance is l.reated as a balance mailing address.(If we curl or operate the merchant or it we mailed*you the advertisement for the properly or of zero.This gives us the daily balance.We add up all the daily balances for the billing period(Including I he services,all purchases,are covered regardless of amount or location of purchase.) I FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premjums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when;hue or make a payment la us that is not Honored.Se?below for more details. lYith credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up le 26.990/9.Default APR up to 29.99%. Minimum FINANCE CHARGE.$2.Lower rates may apply.See card agreement for details inducting when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice- IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Credting Payments.We must receive your mailed payment in proper form a'.our processing facility by 5 p.m • Online Payments.Visit myhomedepotaccount.com and sign up for free online payrrer:ts.Enrollment m-ayy local time there If we do,it will be credited as of that day.(Please refer to the top right hand corner on the take a few days,If we receive your request to make an onhrne payment by 5 p.m.Eastern time,we wlll front of your statement for processing facility time zone)A payment received at the processing facility in credit your payment as of that day and it will post wlthln three business days If vie receive your request to proper term after that time will be credited as of the next day.Allow Sit,7 days for payments by regular mail make an online payment after that time,we will credit your payment as of the next day and it will post to reach us.There may be a delay of up to 5 days in crediting a payment we receive that is rot in proper form within Ihree business days.For security reasons,you may be unable Lo pay your entire New Balance with or is not sent to the correct address_The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made in-store is not sent to pay by Phone Service.You may use this service any Imw to make a payment by phone,if your account is the correct address.The correct address for a payment sent bir courier or express mail is the Express Payments eligibly You will be charged$14.95 to use this service.Ca?1 by 5 pm Eastern time to have Your payment Address shown below, credited as of that day and posted within three business days.If you call after that time,your payment will Proper Form For a payment sent by mail or courier to be in proper form you must: be credited as of the I A day and posted-within three business days,We may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically after we verity your identify. foreign currency please. Express Payments.You can send payment by courier or express mail to the Express Payments Address. • Include your name and account number on the front of your check or money order. Customer Service Center,Attertiorr Payment Mail Opening,8725 A Sahara Ava,Las Vegas,NY 891171.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be received in proper form at the proper address by 5 p.m Pacilic tin*to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the check.We may do payments received In proper form at the proper address alter that bme will be credited as of the next day. this as soon as the day we receive the check-Also,the check will be destroyed- • to Stare Payments.for your added convenience,payments can be made at She Home Depot'stores with Copy Fee.n'2 charge 65 for each copy of a billing statement that dates back I months or more.We add the no service fee Payments made at the store prior to the store closing time will be posted to your account as lee to a balance of our choosing,We reserve the right to add this fee to balances sublect to a higher annual of that day but availability may be subject to verification of funds. Percentage rate.We waive the fee IS your request for the copy relates to a bill€rig error or disputed purchase. REPORT A LAST OR STOLEN CARD INNIEDIATELY.You may call Customer Service 24 hours a dal 7 days a week Page 2 of 4 The Home Depot Consumer HD 0309A Account: 5439 CURRENT ACTIVITY Transaction Date Local ion/Transactions Amount 06106 LATE FEE $ 39.00 06110 'BILLED FINANCE CHARGES' $ 28.50 ANNUAL PERCENTAGE RATE on the account: 29.99%" '"The"ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES' Payment NO INT-NO PMT FOR 6 MOS $701.74 0120/09 0725109 $701.74 - $28.95- $572.79 $78.73 - NO INT-NO PMT FOR 6 MOS $326.63 0125/09 07/30/09 $326.63 - - $326.63 $35.68 - NO INT-NO PMT FOR 5 MOS $462.29 01/31/09 0805/09 $46229 - - $462.29 $4857 - NO INT-NO PMT FOR 6 MOS $359.30 05/09109 1111/D9 $359.30 - - $359.30 $9.86 - NO INT-NO PYMTS TIL 01/012010 $300.57 0321/09 01/01110 $300.57 - - $300.57 $20.95 - 'To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Dairy ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $755.45 0.08216% (M) 29,99% 30 - - NO INT-NO PMT FOR 6 MOS $357.74 0.08216% (M) 29.99% 30 - - NO INT-NO PMT FOR 6 MOS $504.40 0.082169/6 (M) 29.99% 30 - - NO INT-NO PMT FOR 6 MOS $364.50 0.08215% (M) 29.99% 30 - - NO INT-NO PYMTS TIL 01/01/2010 $317.44 0.08216% (M) 29.99% 30 - - REGULAR REVOLVE CREDIT PLAN $1.156.16 0.08216% (M) 29.99% 30 $28.50 - (z PAYMENT*, OINTEREST z NE IF PAID IN FULL � 1 z WITHIN 12 MONTHS" to z N C" z ON ALL PURCHASES THAT TOTAL $299 OR MORE r° H1%J $ 0 F F E R G 000': ON THE HOME DEPOTO CONSUMER CREDIT CARD z 6/25/09 - 7/8/09 ` . z T t^`, z More saving.More doing.";, z 9 2M_Q Nutter TLC,Inc.All rionis reserved. FINANCE CHARGES accrue from the da?s of purchase at ttt.a regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period if qualifying purchases(including premiums for optional credit insurance)are not paid In full before the end of the promotional period or if you fail to make any required payment on your Account when due `or make a payment to us that;-s not honored.See below for more details. -_.........---- ...----------.-.-.-.-.-..........................__.............._..........- `bN;5th credit approve!for qualifying purchases made on The Horne Depot or EXPO Design,Center Consumer Cradit Garda For accot nts n good standing,APRs up to 26.99%.Default APR up to 29.99%.Minimum FINANCE CHARGE:$2,Loner rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and from 6/25109 through 718109. Page 3 of 4 Account: _ 5439 IF ALL YOUR PAINT (DOES IS PAINT... IT'S ONLY DICING HALF THE JOB. Introducing BEHR Premium Plus UltraTM interior Paint— a colorful way to paint and prime all In one. g ' This high-performance paint provides better coverage and slain resistance.Every brush stroke does the work of two... so it covers in fewer coats to save both time and money. And with hundreds of sophisticated new colors to express yourself-the performance couldn't be more beautiful. EX4CLUSfVEL`d AT F'14��z� GOOD. BETTER. BEHR. - www.behr.com { In 0 2.309 Hamer TLC,Inc.Ali rights reserved. GREAT VALUE ON CORDLESS ELECTRONIC TOOLS WITH MAXIMUM PERFORM ANCE, DURABILITY AND RUNTIME _ CORDLESS ELECTRONIC TOOLS Introducing a need line of cordless electronic tools from Ryt� AUDIO PLUSTm NOISE SUPPRESSION PROFESSIONAL HEADPHONES w_ PORTABLE INFRARED Suppresses harmful j .,. POWER SOURCE THERMOMETER sounds and background Portable charger for power Save money on noise,while enhancing on the go.Works with your energy bill by close range conversations. Apple,Blackberry,LG, Identifying heat loss 24 hours of continuous Motorola and Nokia' areas in your home. runtime.iPP3 Over 3000 device recharges Over 5000 measurements compatible' ITEM r 4g;5u $A 9.0.7 PP-Cc Q per charge $6991-1 �s] 0-7 BATTERY DUTLAS-3 UP TD t (3,0010 Visit I1arnedepot.cam for details. EXCLUSIVELY AT AA ALKALINE BATTERIES 'A8 fisted brands are'the property of their respective companies.This product is not designed,mar.Vactured, ra,Aan sAw"05 sponsored.rn endo:sed,by Noleia,LG,Resorch in 1,100rn,moloro!a,o Apple. )22009 Hamer T_C,Inc All rights reserved. ENJOY THE FOOD AND FUN WITHOUT THE PAYMENTS. NO PAYMENTS, INTEREST .'--. ~ , IF PAID IN FULL. Weber sprit E-210 Liquid Propane WITHIN H 12 MONTHS7 Gas Grill SXU�77t556 on all Weber grills when you use The Home Depot Consumer Credit Card. Offer valid May 28—June S,and Jute 15—June 24. 9 23^9 Homer TLC,ina.All rights reserved. FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and al;accrued FINANCE CHARGES will be added to your Account for the entire promotional period if qualifying purchases(including premiums for optional.credit insurance)are not I paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us �tt_at is not honored.See balory for more details. -- — ............ _....------------------------ ---------------...................... -- -- - ------------------.........................._-------------------------......_,............. "Vlith credit approval for qualifying purchases made or,The Home Depot or EXPO?Design Center Consurner Credit Card. For acrounis in good standing,APRs up to 25.991.a.Default APR up to 29.99%.Minimum- FINANCE CHARGE:$2.Lcwcr rates may apply.Sm card agreerneni for details including when the default rate applies.Offer is only valid for consumer accounts and from 5!28M Lf rough 8i3fO13 and 6,'15;K1g through 6f24109. Page 4 of 4 Account Statement 4 Sltap�€':Eline fifth Send Notice of Billing Errors and Customer Service: Mailed payments must be f r,0r.BV aV'at C)-e 4 Gam 8u Customer Service Inquiries to: myhomedepotaccount.com P y HOME DEPOT CREDIT SERVICES or 1-800-677-0232 received by on P.M. �; homedewtxom PO BOX 689100,DES MOINES IA 50368-9100 Account 5439 AUGUST 08,2W9 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due JULY 13,2009 AUGUST 11,2009 $4,00D.00 $519.00 AUGUST 08,2009 $89.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balancet $1,332.23 $170.00 1 $160.34 1I_ $36.07 $1,358.64 Promotion Balance $2,121.58 $0.00 T $O.OD T — $0.00 $2,121.513 Total Balance $3,453.81 $170.00 $160.34 $36.07 $3,48D.22 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date Location/Transactions Amount Your late fee was based on an account balance of$3,437.48,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. P9194D05509LHXX87 06113 PAYMENT-THANK YOU $ 50.00- 5084514 06/29 THE HOME DEPOT MECHANICSBURG PA PAINT $ 33.67 07106 LATE FEE $ 39,00 5015953 07/09 THE HOME DEPOT MECHANICSBURG PA LUMBER $ 39.31 HARDWARE 3589628 07/11 THE HOME DEPOT MECHANICSBURG PA Z mZ o Z <o Z m I w Z rn Z cO Z uJ Z o I oZ o Z z WWI z i°°.'- , y_ ': ON ALL PURCHASES THAT TOTAL$299 OR MORE f ON THE HOME DEPOT®CONSUMER CREDIT CARD mf'r,�"y `See reverse for details. M swing.More doing.I>�..x cominued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 of 6 ------------------------------------------------------------------------------------------------------------------------------ +Please detach here. M Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $3.480.22 1 AUGUST 08,2009 $0.00 $89.00- Es Make Checks Payable to: r'i� n , v - V ;; HOME DEPOT CREDIT SERVICES We've lowered prices on over a thousand items storewide. _�4 . 5439034802200120000008900102 KBAVHDi 3 7:13%09 3o i 73 A r r l r l r III I I u l t r r l l l 1 I l t l I n l HOME DEPOT CREDIT SERVICES III �I �I I I� I I �I I I PROCESSING CENTER LO JUSTIN BARDER DES MOINES,IA 50364-0500 6068ST tllrtlltlr�rlllrltllllrl�lrr��l�ll'I�III-IrIIrrl�I�nllrrlll�� ENOLA,PA 17025-1601 Prim address changes above in blue or biack ink Information About Your Account balances on the Closing Date)and divide try the total number of days in the tilling period This gives us the " YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject in finance Charge for that balance.we figure a portion of your finance charge on(ransac- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this calculation method by munip yino the applicable monthly periodic rate for that balan ce by the Balance Subject to France Charge(including riev transactions). TWO-CYCLE AVERAGE DAILY BALANCE INCLUDING NEW TRANSACTIONS)i-Method C.It the periodic rate AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method M.If the riodic rate fisted in the listed in the Finance Charge Summary Section of this statement is followed by a"C",we figure a portion of Finance Charge Summary of this statement is followed by an"W"',we use the following calculation method. the finance charge on your account each;lay by multiplying the daily balance for each balance r°—a„each tie calculate periodic finance charges separately for each balance.Salances include regular purchases and purchase subject to promotional terms,Other regular revolve credit plan purchases and other major pur- different promotional balances.To get a daily balance,we start;with the balance as of the end of the previ- chase plan purchases)by tie applicatle daily periodic rate.We do this each day at the billing period,in_fud ous day.We add all �riodic trance charge on the previous day's balance.(This results in daily com ound- ing the Closing Date.In addition,for each balance,we multiply the daily balance for each day of the previ y - p Y i p ous billing period t the applicable daily periodic rata,unless our account was credited for the amount rng of finance charges)credit add any ncnv charges. b then subtract any new credits io payments and make requited to get the grace period an purchases{described below in the sectkm entitled the Grace Periodon other adjustments.A credit a by it is treated as a balance of zero.lye figure the periodic finance charge by multiplying the daily balance by its daily periodic tale We du this for each day m the bffGnq period The Purchases)Or a periodic finance charge etas already of led on that balance,to get the dally balance,we take Balance Subject to rinanc=Charge is the average of the dally balances during the filling period.if you mul- the beginning balance for each balance every day,add any new purchases.fees,and any finance charge on liply this figure for each balance by its daily periodic rate and by the number of days in the billing period, the previous day'sbalance,subtract any credits or payments credited as of that day,and make other adjust- the result is the total periodic IN nail a charge on that balance.Rounding may cause s small dfllerence. ments.A credit balance is treated as a balance of zero.The Balances Subject to Finance Charge are the aver ages of the respective;wily balances during the applicable billing periods.It you multiply the current cycle PROMOTIONS.WE may offer you prow"iorial terms for all or a part of all balances Any promotional terms Balance Subject to finance Charge by the number of days in the billing period and by the applicable daily may apply for a limited period of time.Nlay oil be governed by the terms of I he promotional offer and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge (it currently subject to Card Agreement.they may include ilia No Intere5t.0%,and Lqual Faymenl Plan offers described below,your a finance charge)by the number of days In that billing period and by the applicabie daily periodic rate.and promotional terms may end it you default under the Card Agreement because you do not make the minimum add those tiro figures together,the result will be the periodic finance charges assessed for that balance, payment when due,go over the credit line,or make a payment to us that is not honored except for minor variations caused by rounding. No Interest.Na finance charges will be imposed on this balance it you pay the balance in full by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the periodic rate listed in the end of the promotional period.We will impose finance charges on this balance if you do not pay the bal- Finance Marge Summary Section of this statement is followed by a"H",we figure a portion of the ibsance ante in full by the end of the promotional period or the promotional terns are terminated,live will charge on you-account each day by mulhpfying the daily balance for each balance(Eq.,each purchase sub- impose these finance charges from the date of purchase Will the balance is paid in Lou.The promotion. jed to promotional terns,other regular revolve credit Atom purchases and other major purchase(Icon pi r al offer wilt specify the amount of any minimum payment required on this balance, chases)br'the applicable daily periodic rate We do this each day Of[tie billing period,including the:losing . 0 0!a•No finance charges are imposed on this balance during the prunlulionai period.The promotional Date,to get the daily balance,ne take Me beginning balance for each balance ever/day,add any new pur- offer will specify the amount of any minimum,paymenl required or this balance, chases and any finance charge on the previous day's balance.subtract any credits or payments credited as • Equal Payment Plan.this batar:e will be repaid in equal minimum paynents.the promotional offer will of that day,and make other adjustments A credit balance is treated as a balance of zero.line Balances specify the amount of the minimum payment required on this balance. Subject to finance Charge are the averages of the respective dally balances during the billing period.If you CLOSING DATE At Our discretion,this statement may include charges,fees,and payments on the Closing Date, multipiy this figure for each balance by tie number of days in the billing period and by the applicaNe daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges ore purchases this is called a grace periodic rate--,the result will he the periodic finance charges assessed forthat balance,except for minor van- period on purchases.The grace period is at least 20 days.To get the grace period on purchases,pay the foliow- a ions caused by rounding. ilia arriounis by the due dale every bill;nq pining. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the . the New Balance,less any q V No Interest,0%and Equal Payment Plan balances that expire after the pay- Finance Charge Summary Section of this statement is followed by an"I",we use the following calculation ment due date,plus method.To get the Balance Subject to Finance Charge for each balance(eq.,each purchase subject to pro- motional lerins,other regular revolve credit plan purchases and other major purchase plan purchases)we • the rtininum monthly payments required for your No Interest,0%.and Equal Payment Plan talances take the beginning balance for that balance every day(including finance charges imposed in previous billing that expire after the payment due date. periods),add any new purchases,subtract any credits or payments credited as of that day,and rake other It you do not,you will riot get a grace period unless YOU pay the above amounts by the due date far tyro billing adjustments.A credit balance is treated as a balance of cero.This gives us the daily balance.We add up all pericids in a raw- the daily balances for the billing period{including the balances on the Closing Dale)and divide by the Lola! In addition,certain promotional offers may take away ibe grace period on purchases.Other promotional offers, number of days in the billing period.this gives us the Balance Subject to finance Charge for that balance in addition to No Interest,rb and Equal Payment Plan offers,may,also allow you to have a grace period or pur- We figure a portion of your finance charge on transactions subject to this calculation method by multiply- chases without having to pay all or a portion of the promotional balance by the aue date.If either is the case, irfq the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happen=-. ing new transactions). BILLING RIGHTS SUMMARY_In Case of Errors or Ouestions About Your Bill.If You think your bill is arorg, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or if you need more informal ion about a transaction on your bill,wrtc us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a'Y",we use the following calculation statement as soon as rssiGle.lKe must hear from you no later than bit days after we send you the first bit!on method.To get the Balance Subject to Finance Charge for each balance(esj.,each purchase subjOtt to pra- which the error Of fxob em appeared.You can telephone us,-out doing so:will wt preserve your righ,s, motional terms,other iegular revolve creJil plan purchases and other major purchase plan purchases)vie In your letter,giye us the following information. foie the heainNng balance for that.balance eery day and subtract any credlts or payments credited as of . Your name and account numbed that day and any unpaid finance ctargei Cie do not add in any new purchases.A credit balance is'mated as a balance of zero.This gives us the daily balance.Ale add up all the daily balances for the billing period . The dollar amount of the suspected error. (including the batancesen the Closing Date)and divide by the total number of days in the billing period.this . Describe the error and espiairc if you can,why you believe(fi -is an error.if you need more inlUmalion, gives us the Balance Suljed to f inarce Charge for that balairim We figure a portion of your tirl charge describe tie item vuu are unsure about.Please be sure all conrespordoirce is signal by the in imaty cardholdef. on transactions subject to this calculation method by multiplying the applicable_monthly periodic rate for You dal not have to,:ay any anount in question while we are investigating.But you are stilll obligated to pay the that balance by tie balance Sublaft to Finance Charge'excluding new transactions). pars of your bill=hat are not in question.While we investigate your question,we cannot report you as defin- AVERAGE DAI LY BALANCE(INCLUDING NEW TRANSACTIDNS)-Method L.If the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this stalerremt is followed by an"L",we use the following calculation Special Role for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.q-each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem:with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due an the goods or servirei You have this protection only when take the beginning balance for that balance every day,add any new purchases,and subtract any credits or the purchase price is more than$50 and the purhase is made in your home slate ar within 100 miles of your payments Jedite as of that day and any unpaid finance charges,A credit balance is treated as a balance mailing address fN we owri or operate the merchant.or it we mailed you the advertisement for the properly or of zee..This gives us I he daily balance,the add up all the daily balances for the billing period(Including the services,all purchases are covared regardless of amount or location of puratase.) FINANCE CHARGES accrue from the date of purchase at the regular purciase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying urchases fincluding premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when ale or make a payment to us that is riot honored.See below for more details 1%'Kh credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 26.99%,Default APR up to 2999%. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL Crediting Payments.We must receive Your mailed payment in proper form at our processing facility by 5 p.m • Online Payments.Visit myhomedepotactountcom and sign up for t ree online payments.Enrollment may local time there.If vie do,it will be credited as of that day.(Please refer to the top right hand corner on the take a few days.If we receive your request to make an Online payment by 5 p.m Eastern time,we will front of your statement for processrg facility time;one)A payrrant received at I lie processing facility in credit your payment as of that day and it will pest:within three business days 11 vie receive your request to proper tore alter that time will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment after that time,we will credit your payment as of the next day and it will pest to reach us.I here may be a delay of up to 5 days in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be unable to pay your entire New Balance with or is no sent to the correct address.The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A paymenl made in-store is not sent to . Pay by Phone Service.You may use this service any time to maP.e a payment by phone,if your account is the correct address The correct address for a payment sent by courier or express mail is the Express Payments eligible.You will be charged$1445 to use this service.Cali by 5 p.m Eastern time to have your payment Address shown below. credited as O1 that day and posted within three business days.t`you tali after that brine,your payment will Proper Form-for a payment sent by mail or courier to be in proper form you must: be credited as of the next day and posted within three business days.We ray process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically of ter we verity your Iderill fly. toragn currency please. • Express Payments.You can send payment by courier or express mail to the Express Payments Ad ress. Customer Service Center,Attention:Payment nt Mail Opening;87 • Include your name and account number on the(rani Of your dnack or money Order. y Pe ' g: 25 W.Sahara Ave,Las Vegas,NY 83H7.Payment If you send an eligible check with this payment torpor,you authorize us to complete your payment by must be received in proper form at the proper address by 5 p.tn Pacific time to be credited as of Mat day.All electronic debit.If we do,the checking account will be debited in the amount on the check.We may do payments received in proper form at the proper address after that t:me will be credited as of the next day. this as soon as the day we receive the check.Als%the check will be destroyed- • In Store Payments.for your added convenience,payments can be made at dire Home Depot'stores with Copy Fee,We charge S5 for each copy of a trilling statement that dates back 3 months or more_We add the no service tee.Payments made at the store prfor to the store closing time will be posted to your account as fee to a balance of our choosing,We reserve the right to add this fee to balances subiecl to a higher annual of that day but availability may pe subject to=mrification of funds. percentage r�z.We waive the fee r your request for the copy relates to a billing error or disputed purchase REPORI A LOST OR STOLEN CARD IMMEDIATELY.you may call Customer Service 24 hours a day.7 days a Week Page 2 of 6 The Hmme Depot Consumer HD O309A Account: 5439 CURRENT ACTIVITY Transaction Date Local ion/Transactions Amount PAINT $ 48.36 P9194006109S88HRK 07112 PAYMENT-THANK YOU $ 120.00- 07113 BILLED FINANCE CHARGES' $ 36.07 YOUR PROMOTION EXPIRES THIS MONTH! IN ORDER TO AVOID PAYING THE ACCRUED FINANCE CHARGES ASSOCIATED WITH THIS PURCHASE,PLEASE PAY$1,461.71 BY THE PROMOTION EXPIRATION DATE OR THE PAYMENT DUE DATE ON THIS STATEMENT,WHICHEVER IS LATER. ANNUAL PERCENTAGE RATE on the account: 29.99%" "The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES' Payment NO MT-NO PMT FOR 6 MOS $701.74 0120/09 07251D9 $672.79 - - $67279 $99.37 NO INT-NO PMT FOR 6 MOS $326.63 0125109 07/30/09 $326.63 - - $326.63 $45.63 NO INT-NO PMT FOR 6 MOS $462.29 01/31/09 08105/09 $462.29 - - $462.29 $62.61 NO INT-NO PMT FOR 6 MOS $359.30 D5/09/09 11/11/D9 $359.30 - - $359.30 $20.00 - NOINT-NOPYMTSTIL011011201D $300.57 D321/D9 D1/01/10 $300.57 - - $3DD.57 $29.78 - `To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS $761.47 0.08216% (M) 29.99% 33 - - NO INT-NO PMT FOR 6 MOS $367.11 D.D8216% (M) 29.99% 33 - - NO INT-NO PMT FOR 6 MOS $517.62 0.08216% (M) 29.99% 33 - - NO INT-NO PMT FOR 6 MOS $374.D5 0.68216% (M) 29.99% 33 - - -NO INT-NO PYMTS TIL 01/0112010 $325.77 0.08216% (M) 29.99% 33 - - Z REGULAR REVOLVE CREDIT PLAN $1,330.29 0.08216% (M) 29.99% 33 $36.07 - co Z C? Z co Z (D I ED Z 0)Z -4 Z C3 z I Z N) ;SHEYrtA1 r.. 52'Ha.^rpigat Bay • 52'tfampttYn Bay 52'Hunter I Fast Attach-B!onze Fast Attach-Bntshee Nickel Vancouver in B;onza Z (757-91P) (762%460) (]S?•SSE' _-,:-- .<� z rop Quality Ceiling Fans for under ;1S1100 S F . Add We and energy-efficient home comfort with new, easy-to-install Ceiling fans.Besides saving more than 15%on your heating and cooling bills with these exclusive `, titroter a.�:a::ver in Bruehad t:;c!kei Hampton Bay d(Hunter Fans from The Home Depote (75x-269) _ you enjoy great quality and design at everyday low prices. Shop ire-store or visit � homadepot.com/ceilingfans. A We276 3 t 9 2009 Horner TLC,Inc.All rights reserved. h Page 3 of 6 Account: __ 5439 Introducing a new line of innovative file sae's from Ryobl starting_ n $8 9- 'f?iN Saw�'rrtx E_.act These We says are available exc€usively at The Home Depop and are made to fit every budget and project- - x sKl:sc s;{: n Best-in-class cutting capacities Handle the most popular fife sizes TL!* ^?' a Rynbi's Pur:fRl855 Flow SysEetn keeps clean,fresh water an the blade for trouble-free cutting : VRAM n Includes professional features like Plumeife+vel Read with y z ExacttinerL'Laser T)learn more.vocut.hese s wS vistS h arrte€3t?t t.ctxrrt!6€oar:rtgtrso or yn jr iccai T€a?Home Dopo : "Purnpless Fiovr System or!ry available an overhead tie saws. 0 2009 Ho:mer'!LC;inc.All rights reserved. M5J r e 5 a t4 l a FREE MEMBERSHIP M. OT" GARDEN CLI1 11B HE HOME 1"El" �I f rvF Your free Garden Club Membership entitles you to expert answers to all of your a, outdoor questions within 24 hours, customized gardening info for your region,DIY projects for gardens, lawns and landscaping plus hundreds of dollars in savings z .,M throughout the year. m Expert advice In Projects and tips 0 Customized info Year-round savings Sign up today at homedepotgardenclub.comiregister ©bG9 Hamer TLC•inc.All r'.ghts reserved. Om d , SAVE MONEY WIT NEW EFFICIENT ti i� I t y Install ENERGY STAR®qualified doors in your home to help conserve energy all year-round.Plus,by making your home more efficient;you may be eligible �• i'� L to receive up to a$1.500 federal tax credit under the"American Recovery and t r Al Reinvestment Act of 2009."Just purchase select ENERGY STAR qualified 4); I' � A i' doors from 1/1/09-12/31109.*Visit homedepoLcomitaxeredit l.s '' '`; and consult your tax advisor for more information. .4 1 ECa 4 t?TAX LOPfIONS srErr s P 9tii TLi j ?, Sen(rms rray not be availahle In ail areas The Horne Gepa4 rase vr�tiv--right to corr=rt price g-rrxs cn _. prime`materials.Off-er(s)may not be axnbin;d%AOh any other .atfer.m i wtateo>,z aen+ices perto'n-eo thro gh Tho hiarm Dopoi. including plurnbing sen^;:,as. ara pa tmed by `ndepcm63Z_ Dont-amom Including hcCnpendert Rce:aed p!umaing centaur s,as app''x able-Sfmvices provided by The Neale Depot authorized = ir-dapende:t 4rsta:atcn Pr-fessiorsals.lJoe se rssrltrrr held by or an beW u;ilia Horne Cepot,USA Inc. Far license numbers vtir hor L 8epot.ccx v1icen ^umbers.C 2009 Homer TLC,Inc.Ait rights rserved. Page 4 of 6 j-jOME DECORATORS Discover why Home Decorators Collection is one rollectiori },sellers {C,per,p.��+�y �a�ry wheys value and sc6dion cane home oy'the nation's largest �� s r$ 3 home i 1' decor. � SAVE IW16* when you shop with The Home Depot° tom° ON YOUR ORDER b�titiz��r Consumer Credit Card OF $299 OR MORE now through 10131109 r4. rZ 'i�-.tic 6 Enter code 4778715 on the shopping cart page at �� HomeDecoraters.carftics.rdoffer or me ntion it when you order by phone'at 1-8017-245-2217. Deferred firtari,cing available. 'the 10`w discount Is Valid W-1v btiough October 31,2X-0 ano is good for a discount on the total merchandise value - ot your sings-receipt purchase of $'�9 or mDe rnade vhth-he Home Depot Consurn3r Credit Card c- from HomaDeators m .c* ,the cur eo:Home Decorators Collection omalog�or Home Decorators c0iiectit ri retail S`.OrBS ant-.This ofer cannot be used at Horr...Decorat crletco^t;cannot be combined Zvi.^•.r any othi_�offer;cannel be �. *ra;isferreci;and lees ra;t app'y to CaxES andtur processing/shipping charges.ex g;lt card or previous,:e:rc^ases.IVO credit t over refused.Cash value 1;2v:h of cent. Z cD Z o Z (o Z (0 I Wz 0)Z � z V z w t C, oZ w� Z z z Z Z Page 5 of 6 Page 6 of 6 Account Statement Send Notice of Billing Errors and Customer Service: •� Customer Service Inquiries to: myhomedepotaccount,com Mailed payments must be 1 HOME DEPOT CREDIT SERVICES or 1-$00-67-y-ni,2,> received by 590 p.m. PO BOX 689100,DES MOINES IA 50368-9100 Central Time on Account: 5439 SEPTEMBER 06,2009 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due` AUGUST 11,2009 SEPTEMBER 10,2009 $3,500.00 $0.00 SEPTEMBER 06,2009 $233.00 Opening Balance Payments&Credits PurchaseslOther Charges FINANCE CHARGES New Balance Revolving Balancet $2,820.35 $0.00 $39.00 $280.72 $3,140.07 Promotion Balance $659.87 $00 + $0.00 + $0.00 - $659.87 Total Balance $3,480.22 $0.00 $39.00 $2S0.72 $3,799.94 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date LocationlTransactions Amount 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. Your late fee was based on an account balance of$3,480.22,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 08105 LATE FEE $ 39.00 08111 'BILLED FINANCE CHARGES' $ 280.72 ANNUAL PERCENTAGE RATE on the account: 29.99 1%-' "The"ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance changes imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional otter.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIOMS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly 0 Z Amount Data Date Balance CHARGES &Credits Balance CHARGES* Payment o Z NO INT-NO PMT FOR 6 MOS $359.30 05109/09 11111/09 $359.30 - - $359.30 $29.14 - Z NOINT-NOPYMTSTIL01/01/2010 $300.57 0321/09 01/01/10 $300.57 �p Z - - $300.57 $37.74 - 1 NO INT-NO PMT FOR 6 MOS $701.74 0120/09 exp'd 0725)09 $672.79 $117.98 - $790,77 $99.37 W Z w Z Z � Z O o Z O Z Your account is currertiy past dim and unless we hear from you,your Z r c;: rging privileges may be suspended.This means that if you present z Don t lose your card for a purchase,it V-10 be declined. Call US today at ' :_ , our charging t Z ,,.. "..-_,;t y 9 9 We want to he, you avoid w,�w.could be an ember.2ssi 1 situation. Z a y 1-866-518-7157 privileges! we have a number of solo rlions to help you through the Financial clffrculty you may be experiencing,but we must hear from you. continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 of4 -------------------------------------------------------------------------------------------------------------------- '�'Please detach here. b. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $3;799.94 SEPTEMBER 06,2009 $89.00 $233.00* $ Make Checks Payable to: - HOME DEPOT CREDIT SERVICES We've lowered prices on over a thousand items storevrido. 4M. . 5439037999400120000023300108 KBAVHDi 2 A1 i%09 303424 A HOME DEPOT CREDIT' '�I��III'�IIIIII�IIII��IIIIIIIIIIIII�rIIll�llllll�lltl�lllttll SERVICES PROCESSING CENTER Nt JUSTIN BARDER DES MOINES,IA 50364-0500 ' 606BST rllrrlll�rlrllltlrllllrl�lr�lr�rl�ll'I�III'Itllrtl��nllrllll�ll ENOLA,PA 1 7025-1 601 Prim address changes above in blue or black ink. Information About Your Account balances on the Closing Date)and divide by the total number of days in the billing period.This gives us the Balance Subject to finance Charge for that balance.We Figure a portion of your finance charge on(ransac- • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA).N A Liens subject to this calculation nwthod by mutliplyino the applicable monthly periodic rate for that ba!anee • BALANCE SUBJECT TO FINANCE CHARGE by the Balance Subject to Finance Charge(including anew transactions). TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C.If the periodic rate AVERAGE DAILY BALANCE ONCLUDING NEW TRANSACTIONSYMethod M.11 the periodic rate listed in the listed in the finance Charge Summary Section of this statement is followed by a"C",Vie figure a portion of Finance Charge Summary of this statement is followed by an 11'%we use the following calculation method. the finance charge on your account each day by multiplying the daily balance for each balance(ea.,each We calculate periodic lnance charges separately for each balance Balances include regular purchases and purchase subject to promotional terms other regular revolve credit plan purchases and other major pur- different promotional bafaroes To get a daily balance,we start;with the balance as of the end of the previ- chase clan purchases)by tie appGcable daily periodic rate we do this eaeh day of the billing period,includ ous da y(_add any periodic finance charge on the previous day's balance(This results in Bail com ound ing the Closing Date.In addition,for each balance,we multiply the daily balance far each day of the previ- y' Y ous billing period b the applicable bail rho tic rate unless our account was credited for the amount ing of finance charges.)We add any ley charges.We then subtract any new credits or payments and make g P Y pp y pe m other adjustments.A credit balaac=_is Ireated as a balance of zero.lye figure the periodic financectiarge by required to gel the grace period on purchases(described below in the section entitled the Grace Period or multiplying the daily balance by its daily periodic rate We do this for each day in the billing period.The Purchases)or a periodic finance charge ryas already billed on that balance.to get the daily balance,we lake Balance Subject to Finance Charge is the average of the daily balances during th,a billing period.If you mul- the beginning balance for each balance every ddy,add any new purchases.lees,and any finance charge un tiply this figure for each balance by Its daily periodic rate and by the number of days in the billing period, the previousday'sbalance,subtract any creditsur payments credited as of thal day,and make other adjust- the result is the total Deriodic finance charge on Shat balance.Rounding may cause a small difference. ments.A credit balance is treated as a balance of zero.The Balances Subject to Finance Charge are the aver- ages of the respective daily balances during the applicable billing periods.If you multiply the current cycle may apply for a tin;iced period of lime Ihay wilt be governed ty the terms of the promotional olfer and your Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily Carl Ayre�rner,l,ilia r periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge Ill currently subject to Y ay include the No Interest.0%,and Lqual Payment Plan offers described below.Your a iinance chordal by the number of clays in that billing period and by the applicable daily periodic rate.and promotional terms may end if you delault under the Card Agreement because you do not mata the minimum add those two tiqures together,the result will be the periodic finance charges assessed for that balance, payment when due,go over the credit line,or make a payment to us that is not honored except for minor variations caused by rounding. No Interest.No finance charges:vill to imposed on this balance it you pay the balance in full by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the periodic rate listed in the end of the promotional period.We will impose finance charges on this balance if you de not pay the bal- Finance Charge Summary Section of this statement is hollowed by a"H",we.figure a portion of the iinance once in fill by the end of the promotional period or the promotional terms are terminated.We will charge on you,account each day by riultipMriq the daily balance for each balance(Eg.,each purchase sub- impose these finance charges from the date of purchase until the balance Is paid in full The promotion• ject to promotional terms,other regular revolve credit plan purchases and other major pur0a5e plan purr at offer will specify I he ama nt of any minimum payment required on th!s valance. chases)by the appli,:able daily periodic rate We do this each day of the billing period,including the Closing 0 0Po.No finance charges are imposed an this balance during the promotional period.The promotional Dale to gel the dai y balance.we lake the beginning balance for each balance every day,add any new purr offer will specify the amount of any minimum payment required on this balance chases and any finance charge on the previous day's balance.subtrad any credits or payments credited as - Equal Payment Plan.I his balance will be repaid in equal minimum payments,the promotionaloffer will of that day,and rake other adjustments A credit balance is treated as a balance of zero.ine Balances specify the amount of the minimum payment required on this balance, Subject to Finance Charge are the averages of the respective daily balances during the billing period.If you CLOSING DATE At our discretion,this statement may include charges,fees,and payments on the Closing Date. periodic mult this figure cult will be the periodic the finane number hangs an the filling period and bzxcept to applicable Edam GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges on purchases Ibis is called a grace period on purchases.The grace period is at least 20 days.To get the grace period on purchases,pay the follow- ations caused by roun ing. ing anicunis by the due dale every billag period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method 1.If the periodic rate listed in the the New Balance,less any No Interest,0%and Equal Payment Plan balances(hat expire after the pay- Finance Charge Summary Section of this statement is followed by an"I",we use the following calculation ment due date.plus method.To gei the Balance Sunied to Finance Charge far each balance(e.g.,each purctase subject to pro the minimum monthly payments required la your No Interest,D55,and Equal Payment Plan balances motional lemis,other regular revolve credal plan purchases and other major purchase plan purchases)we that expire after the payment due date. takke the beginning balance for that balance every day(including finance charges imposed in previous billing periods),add any new purchases,subtract any credits or payments credited as of that day,and rake other If you do not,you will riot gel a grace period unless you pay Elie above around by the due date for two billing adjustments.A credit balance is treated as a balance of aro.I his gives us the daily valance.We add up all periods in a fowc the daily balanees for the billing period(including the balances on the Closing Dated and divide by the lolai In addition,certain promutiunal oilers may take away the grace period on purchases.Other promotional olfers, number of days in the tilling period.this gives us the Balance Subject to Finance Charge for that balance in addd ion to No Inlwest,O;5 and Equal Payment Plan offers,may also allow you to have a grace period or,pur- We figure a portion of your finance charge on transactions subject to this calculation method by multiply chases without having to pay all or a patios of the promotional balance by the due date.If either is the case, ing the applicable monthly periodic rate fur that balance by the Balance Subject to Finance Charge(includ- the promotional oiler will describe what happens. ing new transactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If you think your bill is wrong, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or if you need more informal ion about a transaction on your till,write us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a"K",we use the following calculation statement as soon as possible.We must hear from you no later than 60 days after we send you the first bill on method.To get the Balance Subject to Finance Charge for each balance(eg.,each purchase subject to pro- which the error or problem appeared.You can te'aph ne us,but doing so Mil not preserve your rights. motional terms,other regular revolve credit plan purchases and other major purchase clan purchases)we In your letter,dive us the following information: take the beginning balance for that balance every day and subtract any credits or payments credited as of Your name and account number. that ray,and any unpaid finance chargei''We do not add in any new purchases.A cred"l balance is healed The dollar amount of the suspected error. as a balance of zero.This gives us.he daily batarxe'de add up all the daily balances for the billing period (including the balances on the Closing Date)and divide by the total number of days in the billing period.t cis Desribe the error and expairc it you can,why you believe the:is an emus_II you need more in!ormalion, gives us the Balance Subject to Finarce Charge(or that balaixe.We figure a portion of your linaixe charge describe the itein you are unsure about.Please be sure all couespondcme issigred by the primary cardholder, on transactions subject to this calculation method by multiplyino the applicable monthly periodic rate for You do not have to pay any anoun(in question while we are investigating.But you are still'obligated to pay the that balance by the balance Subject Lo Finance Charge iexdudinq new transactions). pars of your bil;that are not in question.While we investigate your question,we cannot report you as delis- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.It the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an•L•,we use the following caiculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.q.,each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem wit,the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due on the goods arc yen ices_You have this protection only when take the beginning balance for that balance every day,add any new purchase;,and subtract any credits or the purchase price is more than S50 and the purchase is made in your home state or within 100 miles of your payments credited as or that day and any unpaid finance charges.A credit balance is treated as a balance mailing address Ili we awn or operate the merchant,or if we mailed you the advertisement for the property or of mn.This gives us I he daily balance.We add up all the daily balances for the billing period(including I he services,ail purchases are cowered regardless of amount or location of purclma e.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment 1.3 us that is Plot hones ed.See below for more details `With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRS tip to 26.99%.Default APR up to 29.990%. Minimur FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS- PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.We must receive your mailed payment in proper form at our processing facility by 5 p.m • Online Payments.Visit myhomedepotaccount-com and sign up for free online payments.Enrollment may local time there f`we do,it will be credited as of that day.(Please refer to the top:ight hard corner on the lake a few days.If we receive your request to make an online payment by 5 p.m.Eastern time,we will front of your statement for pro;xssirg facility time zone dl A payment received at the processing facility in credit your payment as of that day and it will post witt!n three bus!ness days If we receive your request to proper lorm alter that line will be credited as of the next day.Allow 5 to P days for payments by regular mail make an online payment after that time,we will credit,Your payment as of the next day and it will post to reach us.There may be a delay of up to 5 drys in crediting a payment we receive that is not in proper form within three business days.For securi(y reasons,you may be unable W pay your entire New Balance with or is not sent to the correct address.The corned address tar a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made in-store is not sent to Pay by Phone Serrieea You may use this service any lime to make a payment by phone,it yourarourl is the correctaddress The correct address fora paymenh sent bycourieror express mail is theExpressPapnents eligible.You will be charged 514.95 to use this service.Cal!by 5 p.m Eastern time to have your p&1ment Address shown below. credited as al that day and posted within three business days.If you call after that time,your payment will Proper Form.For a payment sent by mail or courier to be in proper form you must: be credited as of-,tie next day and posted within three business day&'#a may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically after we verify your identity. foreign currency please. Express Payments.You can send payment by courier or express nail to the Express Payments Address: • Include your name and account number on the front of Your diack or money order. Customer Service Center,Attention Payment Mail Opening,8725 W.Sahara AvE.Las Vegas,NV 89117.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be received in proper form at the proper address by 5 p.m Pacilic time to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the check.We may do Payments received in proper form of the proper address alter that time will be credited a of the next day. this as soon as the day we receive the check.Also,the check will be destroyed. to Store Payments.mr your added convenience,payments can be made at the Home DepoV stores with Copy Fee.We charge S5 for each copy of a bilfino statement that dates back 3 months or mare.We add the no service iee Payments made at the store prior to the Store closing time will be posted to your account as fee to a balance of our choosing.We reserve the right to add this fee to balances sub!ect to a higher annual of that day but ava!labliity may be subject to verification of funds. percenlage rate.We waive the fee if your request for the crony relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hours a day.7 days a week The Home Deod Consumer HD 0309A Page 2 of 4 Account: 5439 PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date, ; Dale Balance CHARGES &Credits Balance CHARGES' Payment NO INT-NO PLAIT FOR 6 MOS $326.63 01/25/09 exp'd 07/30/D9 $326.63 $54.60 - $381.23 $45.63 NO INT-NO PLAIT FOR 6 MOS $462.29 01131/09 exp'd 08105/09 $462.29 $75.26 - $537.55 $62.61 - "To avoid paying Accrued Finance Charges on non-terminated promotions you must pay of your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS - O.D8216% (M) 29.99% 29 -NO INT-NO PYMTS TIL 01/0112010 - 0.08216% (M) 29.99% 29 - - NO INT-NO PMT FOR 6 MOS $781.10 0.08216% (M) 29.99% 29 $117.98 - NO INT-1,10 PMT FOR 6 MOS $376.56 O.D8216% (M) 29.99% 29 $54.60 - NO INT-NO PMT FOR 6 MOS $530.97 0.08216% (M) 29.99% 29 $75.26 - REGULAR REVOLVE CREO T PLAN $1.379.76 0.08216% (M) 29.99% 29 $32.88 - (D z (COD Z oz (n Z (D I (D z Z A z NZ A I °o Z O Z N z Z Z Z Z Page 3 of 4 Account: - 5439 Page 4 of 4 Account Statement Send Notice of Billing Errors and Customer Service: Mailed a ments must be m Custoer Service Inquiries to: myhomedepotaccount.com P y received by 5:00 p.m. \ HOME DEPOT CREDIT SERVICES or 1-800-6°'—11 Central Time on h PO BOX 689100,DES MOINES IA 50368-9100 Account: 5439 OCTOBER 08,21709 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due" SEPTEMBER 10,2009 OCTOBER 12,2009 $3,500.00 $0.00 OCTOBER 08,2009 $146.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balancet $3,140.07 $235.00 $39.00 t $76.35 $3,020.42 Promotion Balance $659.87 $0.00 + $O.OD T $0.00 — $659.87 Total Balance $3,799.94 $235.00 $39.00 $76.35 $3,690.29 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date Localion/Transactions Amount Your late fee was based on an account balance of$3,709.94,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. P9194007409HB9WJP 08/15 PAYMENT-THANK YOU $ 90.00- 09106 LATE FEE $ 39.00 09110 'BILLED FINANCE CHARGES' $ 76.35 P9194007XEHTX4900 09110 EFT PAYMENT,THANK YOU $ 145.00- ANNUAL PERCENTAGE RATE on the account: 29.99 9/6" "The'ANNUAL PERCENTAGE PATE on the account"includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges vvere imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES* Payment zNO INT-NO PMT FOR 6 MOS $359.30 05/09/09 11/11/09 $359.30 - - $359.30 $38.83 - o Z NO INT-NO PYMTS TIL 01/01/2010 $300.57 0321/09 01/01/10 $300.57 - - $300.57 $46.17 - o Z I "To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. °Z cn Z oZ Z o I o Z o Z Z I Z Z Z Z continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 Df4 ------------------------------------------------------------------------------------------------------------------------------ +please detach here. 9" Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $3;680.29 OCTOBER 08,2009 $0.00 $146.00" $ Make Checks Payable to: HOME DEPOT CREDIT SERVICES We've lowered prices on over a thousand hems storewide. •'"N 5439036802900145000014600101 KBAVHDf 2 5.10%09 351014 A 911 1 1 1 t l I III I I n I1 1 1 1 1 1 1 I I11 l u l HOME DEPOT CREDIT SERVICES C? I I I I I I I I I I (I I I I I I I I I I I I I I III I PROCESSING CENTER A JUSTIN BARDER DES MOINES, IA 50364-0500 606 B ST III II IIIIIIIIIIIIIIIIII V IIIIIIIIIIIIIIIIIIIIIIIIIIII VIIIIIIIIII ENOLA,PA 1 7025-1 60 1 Prim address changes above in blue or black irk. Information About Your Account balances on the Closing Date)and divide by the total number of Clays in the billing period.This gives us the YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to Finance Charge for that balance.We figure a portion of your finance charge on Transac- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this cakulatioi method by mulLip vine the applicable monthly perio7ic rate Tor hat ba ance TWO-CYCLE AVERAG E DAILY BALANCE(INCLUDING NEW TRANSACTIONS)Method C.If the periodic rate by the Balance Subject to Finance Charge(including ricy transactions). Isted in the finance Charge Summary Section of this statement a followed by a"C",re figure a portion of AVERAGE DAILY Summary UNCL totem NEW TRANSACTIONS)-Method by 011"W', a Ls Mir II the periodic rule listed t the 9 Finance Charlie Summary of this statement is hallowed by err;"k9",we use the folowing calculation rotted. the finance charge on your account each day by multiplying the daily balance for each balance(ea.,each We calculate periodic Imance charges separately for each balance Balances include regular purchases and purchase subject to promotional Terms,other regular revolve credit plan purchases and other major pur- different promotional balances.To get a daily balance,we start wick the balance as of the end of the previ- chase plan purchases)by the applicable daily periodic rate.We do this each day of the billing period.includ- ous day.We add any periodic finance charge on:vie previous day's balance.(this results in daily compound- ing the Closing Date.in addition,for each balance,we multiply the daily balance for each day of the previ- ing of finance charge&)We add arty new charges.We then subtract any new credits or payments and make ous tilling period by the applicable daily periodic rate,unless your account was credited for the arnount other adjustmeents.A credit valance is treated as a balance of zero.lye figure the periodic finance charge by required Iv gel the grace period on purchases(described below in The section entitled the grace Pericdon muJiplying the daily balance by its daily periodic rate.We do this for each day in the billing period.The Purchases)ur a periodic finance charge was already billed on that balance.to gel the daily balance,we lake Balance Subject to Finance Charge is the average of the daily balances during the biting period.it you mul- the beginning balaroe for each talarce ever{day,add any new purchases.'ees,and any finance charge on tiply this figure for each balance by Its daffy periodic rate and by the number of days in the billing period, the previous cay'stalance,sultilrrl any credits or payments credited as of that day,and make other adjust- the result is the total periodic finance charge on'that balance.Rounding may cause a small dillerence. merl credit balance is treated as a balance of zero.The Balances Subject to Finance Qrargeare the aver- ages PROMOTIONS.'N2 Toy offer u rornotimnal terms for all era art of a t ulances An promotional terms of the respective daily balances during the applicable billing periods.II you multiply the current(lids y you p. part any " y P Balance Subject to Finance Charge_by the number of days in the bilking period and by the applicable daily may apply for a limited period el I+me they wit;be governed by the:.ens Of(he promotional alter and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge ill currently subject to Card A.greemer;l.i hey may include the No Interest.0%,and Lqual Payment Plan offers described below.Your pP y p Y 1' promotional terms may end if you default under the Card Agreement because you do not make the minimum a finan ch ce arge)by the number of days in that billing period and by the applicable daily periodic rate:and add those two figures together,the result will be the periodic finance charges assessed lot that balance, Payment when due,go over tie credit line,or make a payment to us that is not honored d except for minor variations caused by rounding. No Interest.No finance charges will be imposed on this balance it you pay the balance in fall by the AVERAGE DAILY BALANCE ONCLUDING NEW TRANSACTIONS)-Method H.It the periodic rase listed in the end of the promotional period.We will impose finance charges on this balance it you de not pay the bal- Finance{'ha a Summary Section of this statement is followed by a"H".we.figure a portion of the finance ante in[oil by the end of the promotional period or the premotienal terms are terminated.We will charge on your account each day by multiplying the daily balance for each balnce(egyeach purchase sub- impose these finance charges from the date of purchase until the balance:s paid in full The promotion• ject to prompt vial terms,other regular revolve credit plan purchases and other major purchase plan pur- al offer will specify the amount of any minimum payment required on this balance. chases)by the appliable daily periodic rate We do this each day vi[the billing period,including the Closing • 0%.No finance charges are unposed on this balance during the prum.Uonal period.The promotional Dale.to eel the daily balance,we take the beginning balance for each balance every day,add any new pur- offer will specify the amount of any minimum payment required on this balance. chases and any finance charge on the previous day's balance.subtract any credits or payments credited as • Equal Payment Plan.this balance will oe repaid in equal minimum payments.The promotional offer will of that jay,and make other adjustment<_A credit balance is treated as a balance of zero.Tne Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the averages of the respective daily balances during the billing period.If you CLOSING DATE A our discretion,this statement may include charges,fees,and payments on the Closing Date. multiply this figure for each balance by the number of days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges on purchases this is called a grace periodic rate,the result wilt be the periodic finance charges assessed for that balance,except tar minor vari- period on purchases.The grace period is at IeasL 20 days.To get the grace period on purchases,pay the fellow- ations caused by rounding. ing amemhls by the due date every billing period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the the New Balance,less any No Interest,0%and Equal Payment Plan balances(hat expire after The pay- Finance Charge Summary Section of this statement is followed by an"I"•we use the following calculation ment due date,plus method.To get the Balance Subject to Finance Charge for each balance(e-q.,each purchase subject to pro- the minimum monthly payments required for•our No Interest,0%,and Equal Payment Plan balances motional farms,Other regular revolve cfenit plan purchases and other major purchase.plan purchases)vie that expire alter the payment due date. y q Y Take the beginning balance for that balance every day;including finance charges imposed in previous billing periods),add any new purchases,subtract any credits or payments credited as of Lhal day,and make other If you do not,you will not get a grace period unless you pay the above arrounts by the due;ate for two billing adjustments.A credit balance is treated as a balance of zero.I his gives us the daily balance.We add up all periods in a rays. the daily balances for the billing period(including the balances on the Closing Date)and divide by the total In addition,certain promotional oilers may lake away the grace period on purchases.Other promotional ullers, number of days in the tilling period.this gives as the Balance Subject to Finance Charge for that balance in addition to No Interest,0%and[coal Payment Plan offers,may also allow you to have a grace period or.pur- We figure a portion of your finance charge on transactions subject to this calculation method by multiply- chases ynthout haying today all or a portion of the promotional balance by the due date.It either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional oiler will describe what happens. ing new transactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If you think your bill is wrong, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate_listed in the or If you need more informal ion about a transaction on your bill.write us at the Billing Errors address on this Finance Charge Summary Serticn Of this Statement is followed by a"K",we use the`.ollotil calculation: statement as soon as pot_sibhe.We must hear from you no later than 50 days after we send you the first bill on method.To gel the Balance Subject to Finance Charge for each balance(eg.•each purchase subject to pm- which the error of problem appeared.You can telephone is,but doing so will not preserve your rights. motional terms,Other regular revolve credit plan purchases and alher nmajor purchase plan purchases)vie In your letter.Oiye us the following information: la.e the beginning balance for that balance evey day and subtract any credits or payments credited as of . Your name and account number. that day and arty unpaid linance charges.We do net add in any new purchases.A credil balance is treated as a balance of zero.This gives us the daily balance.'Ale add up all the daily balanr-_s for the billing period The dollar amount of the suspected error. tnduding the batanceson the Closing 0aie)and divide by the total number of days in the billing period.Ibis • Describe the error and explairc it you Cans why you believe the is an eriur.If you need mare information, gives us the Balance Subject to Finance Charge for that balance.We figure a portion of your finance charge describe bite ifern lieu are uruure about.Please be sure all correspondence issiorred by the primary cardholder. on Iransactions subject to this calculation method by multiptyino the applicable monthly periodic rate for Ycu do not have to pay any amount in question while we are investigating.But you are still obl;gated to pay the that balance by the Balance Sublet to Finance Charge!excluding new transactions). pars of yt•ur bill that are not in question.While we investigate your question,we cannot report you as delin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.II the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L",we use the following calculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services-That you method.To gel the Balance Subject to Finance Charge for each balance(e.q.,each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and Other major purchase plan purchases)vie may not have to pay the remaining arnount due an the goods or services.You have this protection only when take the beginning balance for that balance every day,add any new purchases,and subtract any credits or the purchase price is more than$50 and the pur•_hase is made in your home state or within 100 miles of your payments credited as of that day and any unpaid finance charges,A credit balance is treated as a balance mailing address.(11 we own or operate the merchant,Or if we mailed you the advertisement for the property or of zero.This gives us I he daily balance.We arld up all the daily balances for the billing period(Including(he services,ail purchases are covered regardless of amount or location of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us that is not honored.See below for more details. Ill'i'h credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.Fer accounts in good standing,APRs up tc 26.99%.Default APR up to 29.9Wa. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.We mud receive your mailed payment in proper farm a`our processing facility by 5 p.r • Online Payments.Visit myhomedepotaccount.com and sign up for free online payments.Enrollment may local time here If we do,it will be credited as gi that day(Please refer to the top right hard comer on the lake a few days.If we receive your request to make an online payment by 5 p.rrL Eastern time,we will front of your statement for processing iacility time zonet A payment received at the processing facility in credit your payment as of Thal day and it will pest within three husiness days If vie receive your reque3 to proper form af(er that time will be credited as of the next day.Allow 5 to y days for payments by regular mail make an online payment after that time,we will credit your payment as of the next day and it will pest to reach us.There may be a delay of up to 5 days in crediting a payment we receive that is riot in proper form within three business days.For security reasons,you may be unable to pay your entire New Balance with or is not sent to the correct address.The correct address for a payment sent by fgular mail is the address your first online payment. listed on the return envelope or on the front Of the payment coupon.A payment mane in-store Is not sent to Pay by Phone Seryice.You may use this service any time to make a payment by phone,if your account is the corned address The correct address for a paVil l sent bycourier dr express mail is the Express Payments eligible.You will be charged 514.95 to use this service.Call by 5 p.m Eastern time to have your payment Address shown below. credited as Of that day and posted within three business days.If you call after that time,your payment will Proper Form For a payment sent by mail or courier to be in proper iorr%you must: be credited as of the next day and posted within three business days We may process your payment • Enclose a valid check or money order made payab a to Home Depot Credit Services.No cash,gift cards,or Plectronicallyafter lire verify your identity. foreign currency please. Express Payments.You an send payment by courier or express mail to the Express Payments Address: • Include your name and account number on the front of your deck or money order. Customer Service Center,Attention Payment Mail Opening,8725 W.Sahara Avc.Las Vegas,NV 89TH.Payment If you send an eligible check with this payment corpon,you authorize us to complete your payment by mast be received in proper form at the proper address by 5 p.m Facdic time to be credited as of that day.All electronic debit.If we do,the checkinq account will be debited in the amount on the check.We may do payments received in proper form at the proper address oiler that time will be credited a 01 the next day this as soon as the day we receive the check.A(s%the check will be destroyed. In Store Payments.For your added convenience,payments can be made_at the Home Depot sLores with Copy Fee.We charge S5 for each copy of a billing statement that dates back 3 months or more.We add the no service ie Payments made at the steno pace to the store dosin'v time twill be posted to your account as lee to a balance of our choosing.We reserve the right to add this fee tg balances subject to a higher annual of that day but a4labi dy may be subject to verification of funds. percentage rate.We waive the fee i s your request for the copy relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hours a day.7 days a week The Home Depot Consumer HD 0309A Page 2 of 4 Accoun 5439 FINAMCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS - 0.08216% (M) 29.99% 30 NO INT-NO PYMTS TIL 01101/2010 - 0.08216% (M) 29.99% 30 - REGULAR REVOLVE CREDIT PLAN $3,097.56 O.D8216% (M) 29.99% 30 $7635 - o Z m Z oZ (0 Z ED I �z En 7" oz �Z o I o Z o Z N z z z z z Page 3 of 4 Account: 5439 Page 4 of 4 Account Statement Send Notice of Billing Errors and Customer Service: Customer Service Inquiries to: myhomedepolaccount.com Mailed payments must be HOME DEPOT CREDIT SERVICES received by 5:00 p.m. PO BOX 653000,DALLAS TX 75265-3000 or 1-800-677-09'.19 Central Time on Account: 5439 NOVEMBER 09,2W9 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' OCTOBER 12,2009 NOVEMBER 10,2009 $3,500.00 $0.0D NOVEMBER D9,2()09 $150.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balancet $3,02042 $150.00 $39.00 $80.22 $2,989.64 Promotion Balance $659.87 W00 T $0. + $0,00 $659.87 Total Balance $3.680.29 $15().DD $39.00 $8022 $3,649.51 t Revolving Balance includes non-promotional irartsactions,plus Promotions that have expired. CURRENT ACTIVITY Transaction Date LocallonfTransactions Amount Your late fee was based on an account balance of$3,680,29,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS, torus LATE FEE $ 39.00 P9194()D8W0A0XXP8A 10/10 PAYMENT-THANK YOU $ 150.OD- 10/12 *BILLED FINANCE CHARGES' $ 80.22 ANNUAL PERCENTAGE RATE on the account: 29.991/6- TheANNUAL PERCENTAGE RATE on the account`includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR That applies to each balance. PROMOr/o/vs Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &r-redus Balance CHARGES* Payment NO INT-NO PMT FOR 6 MOS $359.30 05W/09 11111/09 $359,30 $359.30 $49.43 Q0 Z NO INT-NO PYMTS TIL 01/0112010 $300.57 03/21/09 D1101/10 $3D0.57 $300.57 $55.40 o Z Z 'To avoid paying Accrued Finance Charges on non-terminated promotions,you must pay off your Promotions balance by the Expiration Owe shown. Z Co z 6> co C,3 Z z 4 Z c:i C) z Z I z z z z continued 00 page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 of4 ----------------------------------------------------------------------------------------------------------------------------- +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed $3,649.51 NOVEMBER 09,2009 $0.00 $150.00 $ Make Checks Payable to: HOME DEPOT CREDIT SERVICES We've lowered prices on over a thousand items storewide, 5439036495100153000015000104 KlgAVHDi 2 %42109:,U4U A HOME Go DEPOT CREDIT SERVICES PROCESSING CENTER JUSTIN BARDER DES MOINES,IA 50364-0500 606 BST ENOLA,PA 17025-16011 Print address changes above in blue or black ink- Information About Your Account balances on the Closing Date)and divide by the total number of days in the billing per oil.This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to 1 inane Charge for that balance.'Ale figure a portion ct your finance charge on Iransac- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this calculation method by multiplying the applicable monthly F-Jio7ic rate for that balance TWOTWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)Method C.If the periodic rate by the Balance Subject to Finance Charge(including nc;v uansattions). in the Finance Charge Summary Section of this statement n followed- e"C",Y e AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method M.II the periodic rate listed in the e_ q } figure a portion of Finance Charge Summary of this statement is toliewed by arc!"k1••,we use the following calculation method. the finance charge on your account each day bv,multiplying the daily balance{or each balance(e?.,each purchase subject to promotional terms,other regular revolve credit plan purchases and other major pur- We different pre periodic lance charges separately for each balance-Balances include regular purchases and chaseplan purchases)by tie applicable daily periodic rate.Yre do this each day of the billing period,inlud- different promotional b Periodic To get a daily balance,previous start wicb the balance as of the end of the compound- ing the Closing Date.In addition,for each balance,we multiply the daily balance fir each day of the prev]_ pus day.Vie add any .) e finance charge rg the prthen s day's:glance.(Ibis results in daily compound- ous billing period h the applicable dail• riodit rate,unless our account was credited for the amount ing of finance charges)We add arty sere charges.Vie then of zero. any new credits la payments and make ?p Y PP }P' V other adjustments.A credit Dalahc=_is treated as a balance of pro.We figure the peripdiC finance char a by required to get the grace period on purchases(described below in the section entitled the Grace Period on multiplying the daily balance b its daily q Purchases)or a periodic finance charge was already billed on that balance.to gel the da ly balance,we lake Y Y Y periodic rate daily do this for each day in the billing period The the be•innin balance for each balance ever day,add any new purchases,lees,and an manta chase or, finlante Subject to r'inance Charge is the.average.of the daily balances during the billing period.If you not - the g > Y } P Y d y liply this figure for each balance by Its daily periodic rate and by the number of days in the b;llirg period, Ole previousday'stalance,subtract any credits or payments credited as of that day,and make other adjust- the result is the total periodic Iinance charge on that balance.Hounding may,cause a small difference. ments.A credit balance is treated as a balance of zero.The Balances Subject to finance Chargeare the aver ages of the respective daily balances-during the applicable billing periods 11 you multiply the current Cycle PROMOTIONS.We may offer you promotional terms Ior all or a pail of any balances.Any promotional terms Balance Subject to Finance Charge_by the number of days in the biting period and by the applicable daily may apply lot a Iimiled period of lime,They will be governed by the terms el l he promotional olfer and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charqe(if Currently subject to Card Agreemert,f hey may include the No Interest.045,and Lqual Payrnelrt Plan offers described below,Your a finance Charnel by the number of days in that billin;period and by the applicable daily periodic rate,and promotional terms may end it you default under the Carl Agreement because you do not make the minimum add those two figures together,the result will be the periodic finance Charges assessed for that balance; payment when due,go over the credit line,or make a payment to us that is not honored except for minor variations caused by rounding. • No Interest.No finance charges will to imposed on this balance it you pay the balance in full by the - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H-If the periodic rase listed in the end of the promotional period.We will impose finance charges on this balance if you de not Pay the bal- Finance Charge Summary Section of this statement is fullowed try a"H",we figure a portion of the finance ante in lull by the end of the promotional period or the promotional terms are terminated.We will charge on your account each dayby muitplying the daily balance for each balance•`.-g.,each purchase sub- impose these finance charges from the date of purchase until the balance's paid in full.The promotion• jecl to pramo:onal terms,other regular revolve credit plan purchases and other major purchase plan Pur- al offer will specify the amount of any minimum payment required on this balance. chases-)by the applicable daily periodic rate.We do this each day of the billing period,including the Closing Otio.No finance charges are imposed on this balance during the promotional period.The promotional Dale.to gel the daisy balance.ne lake the beginning balance Ior each balance emery day,add any new pur- offer will sPecify the amount of any minimum payment required on this balance chases and any finane Charge on the previous day's balance,subtract any credits or payments credited as Equal Payment Plan.1 his balance will be repaid in equal minimum payments the promotional offer will of that day,and make other adjustments A credit balance is treated as a balance of zero.the Balances specify the amount of the minimum payment required on this balance Subject to Finance Charge are the aver des of the respective daily balances during the billing period.If you CLOSING DATE At our discretion,this statement may irhdu_•e charges,fees,and payments on the Closing Date. multiply this figure for each balance by the numberof days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges on purchases Ibis is called a grace periodic ra.e,the result will be the periodic finance,harges assessed for that balance,except forminor vari- period on purchases.The grace period is at least 20 days.To get the grace period on purchases,pay the follow a(cons caused by rounding. ing amounts by the due date every billing period. - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the the New Balance,less any No Interest,0%and Equal Payment Plan,balances that expire after the pay- Finance Charge Summary section of this statement is followed by an"I",we use the following calculation mint due dzf?plus method.To gel the Balance Subied to Finance Charge for each balance(eg.,each purchase subject to pro motional terms,other regular revolve ere:,it plan purchases and other major purchase plan purchases)we the minimum monthly payments required for your No Interest,0%,and Equal Payment Plan balances lake the beginning balance for that balance every day(including finance charges imposed in previous billing that expire after the payment due date. periods),add any new purchases,subtract any credits or payments credited as of that day,and make other If you do not,you will not gel a gra a period unless you pay the above amouns by the due date for two billing adjustments.A creel balance is treated as a balance of zero.]his gives us the daily balance.lye add up at periods in a row• the daily balances for the billing period(including the balances on the Closing Dale!and divide by the Iota" In addition,certain promuGorhal oilers may lake away the grace period on purchases.Other promotional offers, number of days in the tilling period.this gives is the Balance Subject to Finance Charge for that haiane. in addd;on to No Interest,0;'a and Equal Payment Plan offers,may also allow you to have a grace period on pur, We figure a portion of your finance charge on transactions subject to this calculation method by multiply- Chas-es without having to pay all or a portion of the cromotional balance by the due date.It either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happens. ing new transactions). BILLING RIGHTS SUMMARY-In Case of Errors or Questions About Your Bill.if You think your bill is wron4, - AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or if you need more information about a transaction on your bill,write us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a"K",we use the fo•Ilsvvirg calculation: slatementas soon as possible.rte must hear from you no later than 50 days after we send you tie first bill an method-To get the Balance Subject to Finance Charge for each balance(eg.,each purchase subject to pro- which the error or problem appeared.You tan telephone us,but doing so will riot preserve your fights. niOUD1131 temps,other regular revolve credit Ilan purchases and other major purchase plan purchases)we In your letter,give us the following information. tape the beginning balance for fiat halance every day and subtract any credits or payments credited as(it Your name and account number. that day and any unpaid finance charges.Vie coo not add in any new purchases.A credil balance is created as a balance of zero.This gives us.he daily balance Ale add up all the daily balances for the billing period The dollar amount of the suspected error. find uding the balanceson the Closing Date)and divide by the total number of days in the billing period.this Describe the a ror and expain it you an,why you believe there is an error If you need more intamalion, gives us the Balance Subject tot inane Charge for that balance_We figure a portion of your finance charge des ribe the item you are ursure,about.Please be sure all correspord,,mc is sigrr•d t;Ire primary caWholdev, on transactions subject to this calculation method by multiplying the applicable monthly periodic rate for You do not have to pay any amount in question while weare invesi•gating.Bulyouare still obLga`_edto pay the that balance by the balance Subject to Finance Charge(excluding new transactions), pars of Your bill That are not in question.While we investigate your question,we cannot report Vou as delin- - AVERAGE DAI LY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L-If the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an•L•,;+e use the following calculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To gel the Balance Subject to Finance Charge for each balance(eq.,each purChase subject to pro- purchased with a credit card and you have tried in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)vie may not have to pay the remaining amount due on the goons or services.You have this protection only when take the beginning balance for that balance every day,add any new purchases,and subYact any credits or the purchase pricer:more than S50 and the purchase is made in your home state or vrithin 100 miles of your payments credited as of that day any any unpaid finance charges,A credit balance is treated as a balance mailing address.(H we own or operate the merchant,or if we mailed you the advertisement for the property or of zero.This gives us the daily balance.We add up all the(tally balances for the billing period(Including the services,all purchases are toweled regardless of amount or location of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES Yvill be added to your Account for the entire j promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us that is not honored.See below for more details. lVith credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up 1e 26-990%.Default APR up to 29.990/0. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS- PAYMENT OPTIONS OTHER THAN REGULAR MAIL- Crediting Payments.We must receive your mailed payment in proper form at our processing facility by 5 p.m Online Payments.Visit myhomedepotaccountcom and sign up for free online payments.Enrollment may focal time there If we do,it will be credited as of that day.(Please refer to the top right hard corner on the take a few days If we receive your request to make an online payment by 5 p.rt Eastern time,we will front of your statement for processing facility time zone.)1 payment received at the processing facility in credit your payment as of that day and it will post within three business days If we receive your reque;t to proper form alter that time will be credited as of the next day.Allow 5 to?days Ior payments by regular mail make an online payment after that time,we wlll credit your,p ryment as of the next day and it will post to reach us.There may be a delay of up to 5 days in Crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be,unable to pay your entire New&Glance with or is nor sent to the correct address.The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment Coupon.A payment made intom Is not lent to Pay by Phone Seryim You may use this service any time to make a payment by phone,ii your account is the correct address The correct address for a payment sent by courier or express mail is the Express Payments eligible.You will be Charged$14.95 to use this service.Call by 5 p.m Eastern time to have your payment Address shown below, credited as of that day and posted within three business days.if you call after drat time,your payment will Proper Form.For a payment sent by mail or courier to be in proper form you must: be credited as of the next day any posted within three business days We may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically of cr tie verify your iderhtfly. foreign currency please. Express Payments.You can send payment by courier or express n2il to the Express Payments Address: • Include your name and account number on the front of your check or inoiley order. Customer Service Center,Attention Payment Mail Dpening,8725 W.Sahara Ave,Las Vegas,NV 89117.Paymem If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be received in proper down at the proper address by 5 p.m Pacifit time to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the check We may do payments received in proper form at the proper address after that time will be credited as of the next day. this as soon as the day we receive the check.Also,the check will be destroyed- In Store Payments,For your added Convenience,payments can be made al!he Home Depot`stores with Copy Fee.We charge S5 for each copy of a billing statement that dates back 3 months or more.We add the no service tee Payments made at the store prior to the store closing time will be posted to your account as fee to a balance of our choosing.We reserve the right to add this fee to balances subject to a higher annual of that day but avallabi.lily may be subject to verification of funds. pares atage rate.We waive the fee 1 f your request for the copy relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call C stomer Service 24 hours a day.7 days a week Page 2 of 4 he Home Depot Consumer HD 0309A Account: s 5439 FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PMT FOR 6 MOS - 0.08216% (M) 29.99% 32 NO INT-NO PYMfS TIL 01101/201 D - O.D8216% (M) 29.99% 32 - _ REGULAR REVOLVE CREOIT PLAN $3.051.22 0.08216% (M) 29.99% 32 $80.22 - Z CO Z o Z o Z cc) I °z Cz „ z � z � t oz CD Z N Z z Z Z z Page 3 of 4 Account: 5439 Page 4 of 4 Account Statement Send Notice of Billing Errors and Customer Service: Customer Service Inquiries to: Mailed payments must be 4 myhomedepataccount.com HOME DEPOT CREDIT SERVICES or 1-80Q-b77 0232 received by 5,00 p.m. - PO BOX 653000,DALLAS TX 75265-3000 Central Time on Account 5439 DECEMBER O8,2009 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due" NOVEMBER 10,200.9 DECEMBER 10,2009 $3,500.00 $O.DD DECEMBER 08,20D9 $293.00 Opening Balance Payments&Credits PurehasesiOther Charges FINANCE CHARGES New Balance Revolving Balancet $2.989.64 $0.00 $39.00 $72.12 $3,100.76 Promotion Balance $659.87 $0.00 + $0.00 + $000 $65987 Total Balance $3,649.51 $0.00 $39.00 $72.12 $3,760.63 t Revolving Balance includes non-promotional transacrions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date LacatloNTransactions Amount 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. Your late fee was based on an account balance of$3,649.51,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 11@9 LATE FEE - $ 39.00 11/10 "BILLED FINANCE CHARGES` $ 72,12 YOUR PROMOTION EXPIRES THIS MONTH! IN ORDER TO AVOID PAYING THE ACCRUED FINANCE CHARGES ASSOCIATED WITH THIS PURCHASE,PLEASE PAY$359.30 BY THE PROMOTION EXPIRATION DATE OR THE PAYMENT DUE DATE ON THIS STATEMENT,WHICHEVER IS LATER. ANNUAL PERCENTAGE RATE on the account: 29.99%" The'ANNUAL PERCENTAGE RATE on the account'includes ail transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to z each balance. �z �z �z Wz 4� z �z Mz C3 C> o z 7 Your account is currently past due and unless we hear from you,year z charging privileges may be suspended.TNs means that if you present Don't lose z \\' your card for a purchase,it will be declined. Call us today at }14: :,yy. �/OUr charging We want to help you avoid what could be a+embarrassing situation, z 1-866-518-7157 privileges! We have a number of solutions to help you through the Financial a ff+culty you may be experiencing,but we must hear from you. continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 af4 ------------------------------------------------------------------------------------------------------------------------------ +Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 $3,760.63 DECEMBER 08,2009 $150.00 $293.00• $ Make Checks Payable to: • HOME DEPOT CREDIT SERVICES We've lowered prices an over a thousand items storewide, 5439037606300150000029300102 KBAVHDt 2 11110109 3241 M A III 1 1 I III I I u 11 1 1 1 1 1 1 1111 I n l HOME DEPOT CREDIT SERVICES I II I I I I II III I I III I I I I I I I i l l l l l l IIII PROCESSING CENTER a° JUSTIN BARDER DES MOINES,IA 50364-0500 m 606BST III it11'('IIIIIIIIIIIIIIIIIII'I'IIII'IIIII'IIIIttIIII"II"11'III ENOLA,PA 17025-1601 Prim address changes above in blue or black ink Information About Your Account balances on the Closing Date)and divide by the total number of days in the billing period.This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N.A. Balance Subject to finance Charge for that balance.We figure a portion of your finance charge on(ransac- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this calculation method by muftipiving the applicable monthly periodic rate for that balance TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)Method C.It the periodic rate by the Balance Subject to Finance Charge(i ncluding nciv transactions). listed in the Finance Charge Summary Section gf this statement s followed by a"C",we figure a portico of AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACT' M.II the periodic rate listed in the the finance charge on your account each day bv,multiplying the daily balance for each balance fart,each Finance Charge Summ ry of this statement is sollewed by an"M",we use the following calculation method. purchase subject to promotional terms,other regular revolve credit plan purchases and oth=er major pun• We calculate periodic fiance charges separately for each balance.Balances include regular purchases and chase^Ian purchases the applicable Bail iodic rate.lye de.edits each de. of the bid erica includ- different promotional balae_-es to get a daily balance,we start with the balance as et the end of the preyi- r I by pp y pea y g P ous day.Vie add any periodic finance charge on the previous day's balance.(this results in daily conpound- ing the Closing Date.In addition,for each balance,we multiply the daily balance for each day of the previ- ing of finance charges.)we add any new charges.Vie then subtract any new credits or payments and make ous billing period by the applicable daily periodic rate,unless your account was credited for the amount required to gel the grace period on purchases(described below in the section entitled the+;race Period on other adjustments.hde.ly ttalan balance is ally treated as i balance of zero.lye figure the periodic finance dodge he Purchases)or a periodic finance charge ryas already billed on that balance.to gel the da ly balance,we take Balance the daily balance by its daily periodic rate We do this for each day in the billing period The the beginning balance for each balance eve day,add an new purchases,fees,and an nnance char eon dance Subje_d to Finance Charge is the average of the daily balances during the bill penoci.If you nul- q q every y y P Y g- tiply this figure for each balance by Its daily periodic rate and by the number of days in the baling period, the previous day'sbalanc%subtrrt any creditsor payments credited as of that day,and make other adjust- the result is the total periodic finance charge on that balance.Rounding may cause a small litference. menLs.A credit balance is treated as a balance of zero.The Balances Subject to Finance Chargeare the aver ages of the respective daily balances during the applicable billing periods.If you multiply the current cycle PROMOTIONS.We nay offer you promotional terms for all or a pal of any balances Arty promotional terms Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily may apply lot a limited period of(ime.they will be governed by the ieuns of the promotional ulcer and your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(if currently subject to Card Agreement,f hey may include the No Interest.0%.and Lqual Faymenl Plan offers described below,Your a finance chance)by the number of days in that billing period and by the applicable daily periodic rate.and Promotional terms may end if you default under the Card Agreement because you do not make the minimum add those two figures together,the result will be the periodic finance charges assessed for that balance, payment when due,go over the credit line.or make a payment to us that is not honored except for minor variations caused by rounding. No Interest.No finance charges will be imposed on this balance it you pay the balance in full by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the periodic rate listed in the end of the promotional period.We will impsse finance charges on this balance if you do not pay the bal- Finance Change Summary Section of this statemenl is followed by a"H",we figure a porlinn of the finance ante in full by the end of the promotional period or the promotional terms are terminated.bye will charge on your account each day by nurliplying the daily balance for each balance(P-g.,each purchase sub- impose these finance charges from the date of purchase until the balance is paid in full.The promotion- ject to premolional terns,other regular;evolve credit plan purchases and other major purchase plan pun al offer will specify the amount of any minimum payment required on this balance. chases;by the applicable daily periodic rate We do this each day of the billing period,including the Closing 0%.No finance charges are imposed on this balance during the promotional period.The promotional Dale.to gel the wi'y balance,we take the beginning balance for each balance every day,add any new pur- offer will specify the amount of any minimum,payment required on this balance. chases and any finance charge on the previous day's balance,subtract any credits or payments credited as Equal Payment Plan.I his balance will be repaid in equal minimum payments.the promotional offer will of that day,and make cthei adjustments A credit balance is treated as a balance of zero.ine Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the avenges of the respective dad}jalaxas during the billing period.If you CLOSING DATE At our discretion,this statement may include charges,lees,and payments on the Closing Date. multiply this figure for each balance by tie numberof days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges an purchases.[his is called a grace periodic rate,the result will be the periodic finance charges assessed for that balance,except for minorvari- period on purchases.The grace period is at least 20 de. To et the race rod on purchases,pa the follow- ations caused by rounding. Ts 9 9 Pe p y mg amounts by the due dale every billing pet hod. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the . the Nev+Balance,less any No Interest,0%and Equal Payment Plan balances that expire after the pay- Finance Charge Summary Section of this statement is followed by an"I",we use the fcilowino calculation ma-nt due data plus method.To gel the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- . the minimum monthly payments required for your No Interest,D",5,and Equal Payment Plan balances motional terns,other regular revolve credit plan purchases and other major purchase plan purchases)we that expire alter the payment due date. lake the beginiing balance for that balance everyday(including finance charges imposed in previous billing periods),add any new purchases,subtract any credits or payments credited as of that day,and make other If you do not,you will not gel a grace period unless you pay the above amounts by the due dale for tvva billing adjustments.A credit balance is treated as a balance of cero.I his gives us the daily balance.We add up all periods in a row. the daily balances for the billing period(including the balances on the Closing Date!and divide by the Iota! In addition,certain promotioral offs may la).e away ifle grace period on purchases.Other promotional oilers, number of days in the billing period.fhis gives as the Balance Subject to finance Charge for that balance in addition to No Interest,Dab and Equal Payment Plan offers,may also allow you to have a crate period or,put, We figure a portion of your finance charge on transactions subject to this celculation method by multiply- chases without having to pay all or a portion of the promotional balance by the due date.It either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happens. ing navy transactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If yrou think your bill is wrong, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or If you need more informal ion about a transaction on your bill,write us at the Billing Errors address on this Finance Charge Summary Section of this statement IS followed by a"K",we use the following calculation statement as soon as possible.file must hear from you no later than 60 days after we send you the first bit;on method.To get the Balance Suboct to Finance Charge for each balance(eg.,each purchase subject to pro- which the error or problem appeared.You can to ephbne us,but doing so will not preserve your rights. inotiwial terms,other regular revolve credit plan purchases and other major purchase plan purchases)we In your letter,give us the following information: la%e the beginning balance for that balance every day and subtract any credits or payments credited as of . Your name end account number. that day and any unpaid finance charges.We do not add in any new purchases.A credit balance is treated as a balance of zero.This gives us the daily balencE'd'e add up all the daily balances for the billing period • 1he dollar amount of the suspected error. (inducting I he balances on the Closing Date)and divide by the total number of days in the billing period.I his • ks:ribe the error and explain,if you an,why you believe(here B an error.H you need more inidxmalion, gives us the Balance Subject to Finance Charge for Thal balerce.We figure a portion of your finance charge describe the item you are unsure at(lt.Please be sure all correspond`rrce is sigred by the primary ardholder. on transactions subject to this calculation method by multiplying the applicable monthly periodic rate for You do not have to pay any amount in question while we are inyesti•gating.But you are still obligated to pay the that balance by the balance Sublet:to Finance Charge;excluding new transactions). pars of your bill that are not in question.While we investigate your question,we cannot report you as dElin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.II the periodic rate listed in the qi ent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L•,tie use the following calculation Speeial Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- purchased with a credit card,and you have Lied in good faith to correct the problem pith the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due on the goods or services.You have this protection only when take the beginning balance ter that balance every day,add any new purchases,and subtract any credits or the purchase price is more than S50 and the purchase is made in your home state or within IM miles of your payments credited as of that day and any unpaid finance charges.A credit balance is treated as a balance mailing address.(H we own or operate the merchant;or if we mailed you the advertisement for the property or of?ere.This gives us the daily balance.We add up ali the daily balances for the billing period(Including(he services,all purchases are covered regardless of amount or loatian of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us that is riot honored.See below for more details. "}Pith credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For zccounts in good standing,APRs up to 26.990/6.Default APR up to 29.94010. Minimum FINANCE CHARGE:$2.Lrnver rates may,apply.See card agreement for details induding when the default rate applies.Offer is only valid for consumer accounts and is subject to change without notice IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.We must receive Your mailed payment in proper turn at our processing facility by 5 p.m • Online Payments Visit myihomedepotaccounbcom and sign up for free online payments.Enrollment may local time there If we do,it will be credited as of that day.Please refer to the top light hared corner on the take a few days.If we receive your request to make an online payment by 5 p.m Eastern time,we will front of your statement for processing facility time zone)A payment received at the processing facility in credit your payment as of that day and it will post within three business days_If we receive your request to proper form after that tine will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment after that time,we will credit vour payment as of the next day and it unll post to reach us.1 here may be a delay of up to 5 days in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be unable W pay your entire New Balance with or is not sent to the correct address_The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made in-&tore is not sent to Pay by Phone Service.You may use this service any time to make a payment by phone,if your account is the correct address The correct address for a payment sent by courieror express mall is the Express Payments eligible.You will be charged SI4.95 to use this service.Call by 5 p.m Eastern time to have,vour payment Address shown betas, credited as of that day and posted within;three justness days.If you call after that time,your payment will Proper Form For a payment sent by mail or courier to be in proper form you must: be credited as of the next day and posted within three business days We may process your payment • Enclose a valid check or money order made payable to Home DVot Credit Services.No cash,gilt cards,or electronical ly after we verify your identity. fore ign currency please. Express Payments.You can send payment by courier or express mail to the Express Payments Address: • Include your name and account number on the front of your cli-ck or money order. Customer Service Center,Attention Pavme-Ill Mail Opening,8725 W.Sahara Ave.,Las Vegas,NY 017.Payment It you send an eligible check with this payment coupon,you authorizeus to complete your payment by must be received in proper form at the proper address by 5 p.m Pacific time to be credited as of that day.All electronic debit.If we do,the checking account will be debited in the amount on the check We may do payments received in proper form at the proper address after that time will be credited as of the next day, this as soon as the day we receive the check.Also,the check will be destroyed. • In Store Payments.for your added convenience,payments can be made at the Home Depot'stores with Copy Fee.We charge S5 for each copy of a biiling statement that dates back 3 months or rnare.We add the no service ice Payments made at the store prior to the store closing time will be posted to your account as fee to a balance of our choosing.We reserve the right to add this fee io balances subject to a higher annual of that day but availability may be suCjed to verification of hoods. percentage rate.We waive the fee it Your request for the may relates to a billing error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You ray call Customer Service 24 hours a day.7 days a week Page 2 of 4 The Home Depot Consumer HD 0309A Account 5439 PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE payment, Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES* Payment NO INT-NO PMT FOR 6 MOS $359.30 05M9109 11111/09 $359.30 - $359,30 $59.29 NO INT-NO PYMTS TIL 0110112010 $300.57 03/21109 010110 $300.57 - $300.57 $63.97 -To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE'CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current erring Period NO INT-NO PMT FOR 6 MOS OD8216% (M) 29,99% 29 NO INT-NO PYMTS TIL 0I/011201 0 D.D8216% (M) 29.99% 29 - REGULAR REVOLVE CREDIT PLAN $3.026.97 0.03216%. (M) 2999% 29 $72,12 to Z (D to Z z z to I w(o ro z Z z 0_1 C3 C)Z Z Z Z Z Page 3 of 4 Account: 5439 Page 4 of 4 Account Statement Please see encWed letter for Send Notice of Billing Errors and Customer Service: Customer Service Inquiries to: myhomedepoiaccount.com Mailed payments must be received by details regarding changes to HOME DEPOT CREDIT SERVICES or 1-80"77-0232 Central Time o 5,00 p.m.n promotional offer terms, PO BOX 653000,DALLAS TX 75265-300D Account: 5439 JANUARY 07,2010 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' DECEMBER 10,2009 JANUARY 12,2010 $3,500.00 $0.00 JANUARY 07,2010 $457.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES Now Balance Revolving Balancet $3,450.D6 $0.00 $39,00 $147.17 $3,646.23 Promotion Balance $300.57 $D.00 + $O.OD + $0D0 $300.57 Total Balance $3,760.63 $0.00 $39.00 $147,17 $3,946.80 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENTACTIV17Y Transaction Date Location/Transactions Amount Your statement currently reflects a past due amount of$293.00.Our Account Resolution Specialists will be happy to help find a solution that works for you.Please contact us at 1-866-752-0874,visit us online at myhomedepQtaccount.com,or go to your local The Home Depot store. Your late fee was based on an account balance of$3,760.63,which was your account balance on the late fee transaction date, SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 121DB LATE FEE $ 39.00 12!10 'BILLED FINANCE CHARGES' $ 147.17 YOUR PROMOTION EXPIRES THIS MONTH! IN ORDER TO AVOID PAYING THE ACCRUED FINANCE CHARGES ASSOCIATED WITH THIS PURCHASE,PLEASE PAY$300.57 BY THE PROMOTION EXPIRATION DATE OR THE PAYMENT DUE DATE ON THIS STATEMENT,WHICHEVER IS LATER, I ANNUAL PERCENTAGE RATE on the account: 29.99%** The*ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR far the APR that applies to Z each balance. Z CS z Z CEO I z z to cn Z I C)z C> 2 z z Protect your credit rating! J, Your account is al risk of being reported as past due to one or all three of the major credit roperVinq z agencies,Anegafive incident on your credit report may damage your credt rating depending on Call us today at z z your cvsrai!credit health.This may affect your ability to purchase things you tided or get addit;cirlal aredil in the future.We went to help you avoid this,We have a number of solutions to help you 1-866-518-7159 through the firmanclat clitficultyrxi may be experiencing,butwe must hear from you_ continued on page 3 This Account Issued by Citibank(South Dakota),N.A. Page 1 at 6 ------------------------------------------------------------------------------------------------------------------------------ 1, +Please detach here. ku Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 11 $3;946.80 JANUARY 07,2010 $293.00 $457.00- j 1 $ Make Checks Payable to: Starting February 22,2010, minimum HOME DEPOT CREDIT SERVICES monthly payments are required on new promotional purchases. 5439039468000150000045700102 K9AVHD13 121WW-k 3i,1652 A HOME DEPOT CREDIT SERVICES I,HIII III III IIIIIIIII III III Jill[ PROCESSING CENTER Ila JUSTIN BARDER DES MOINES,JA 50364-0500 606 B ST dill 111 11 111[Jill 11111 ENOLA,PA 1702-5-1601 Print address changes above in blue or black ink- Information About Your Account balances on the Closing Date)and divide by the total number of days in the billing period.This gives us the • YOUR ACCOUNT IS ISSUED BY CMBANK(SOUTH DAKOTA),N.A. Balance Subject to Finance Charge for that balance.y1e figure a portion of your finance charge on Iransat- • BALANCE SUBJECT TO FINANCE CHARGE lions subject to this calculation method by mulliplvinc the appiicable monthly Periodic rate for l Il became TWO CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C.If the periodic rate by the Balance Subject to Finance Charge(including new transactions). fisted in the Finance Charge Summary Section Of,this statement is followed by a"C",we figure a portion of AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS}Method M.I)the periodic rate listed in the e Finance Charge Summary of this statement is followed by an"M",we use the following calculation method. the finance charge on your account each day,by multiplying the daily balance for each balance,e:g.each We calculate periodic finance charges separately for each balance Balances include regular purchases and purchase subject to promotional terns,other regular revolve credit plan purchases and other major pur• different promotional balarces.To get a daily balance,we start:vich the balance as el the end of the previ chase plan purchases)by the applica le daily peripdk rite lye do this each day Of the billing period,fn- ous day.We add any periodic finance charge on the previous day's balance.(This results in daily compound- ing the Closing Date.in addition,for each balance,we multiply the daily balance for each day of the previ- ing of finance charges?We add arty new charges.We then subtract any new credits or payments and make ous billing period by the applicable daily periodic rate,unless your account was credited for the amount other adjustments.A credit balance is treated as a balance of zero.lye figure the periodic finance charge by required to gel the grace period on purchases(described below in the section entitled the Grace Period on multiplying the daily balance by its dairy periodic rate We do this for each day in the billing The Purchases)or a periodic finance charge was already billed on that balance.to gel the da'ly balance,we take Balance Subject to Finance Charge is the average of the daily balances during the billing period.f youmul- Uha beginning balance for each balar:.ce every day.add any new purchases.lees,and any finance.barge or, liply this figure for each balance by its cat y periodic rate and by the number of days in the billing period, the previous day'sbalance,subtract any credrtsor payments credited as of that day,and make other adjust- the result is the total periodic finance charge on that balance.Rounding may cause a small diflerence. menLs.A credit balance is treated as a balance of zero.The Balances Subject to Finance Chargeare the aver- ages of the respective daily balances during the applicable sillir,g p nods.If ou multi the torrent c•le PROMOTIONS.We may offer you promotional terms for all or a part of arty balances.Any promotional terms g m q Y p r y may apply for a limited period of lime.they wit!be governed ty the Terms of Ice promotional offer and your Balance Subject to Finance Charge by the number of days in the billing period and by the applicable daily Carl A reen era,;hey nay include Ih No Interest 445,and E•ual Payment Plan offers described below.Your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(if currently subject to q Y a finance crane.)by the number of days in that billing period and by the applicable daily periodic rte.and promotional terms may end it you default under the Car;Agreement because you do not make the minimum add those two figures together,the result will be The periodic finance charges assessed for that balance, payment when due,go over the credit line,or make a payment to us that is not honored except for minor variations caused by rounding. No Interest_fm finance charges will be imposed on this balance if you pay the balance in lull by the - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the periodic rate listed in the end of the promotional period.We will irrrase finance charges on this balance if you do not pay the hal- Finance Charge Summary Section of this statement is followed by a"H",m figure a portion of the finance price in full by the end of the promotional period or the promotional terms are terminated.We will charge on you account each day by rnulliplyiag the daily balance for each balance(Eq.,each purchase sub- impose these finance charges from the date of puirchase until the balance Is paid in full The promotion jest to p omotional terms,other regular revolve credit plan purchases and other major purchase plan pur al otter will specify the amours of pry minimum payment required on this Balance. chases)by'the applicable daily periodic rate.We do this each day of The billing period,including the Closing 0%.NO finance charges are imposed on this balance during the pronu,lionai period.Tne promotional Dale to gel the daisy balance,we lake the beginning balance Ice each balance every day,add any new pur offer will spKify the amount of any minimum payment required on this balance. chases and any finance charge on the previous day's balance,subtract any credits orpayments credited as - Equal Payment Plan.I his balance will be repaid in equal minimum payments.the promotional offer will of that day,and make other adjustments A credit balance is treated as a balance of zero.The Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the averages o`the respective daily balances during the billing period.If you CLOSING DATE At our dixretfon,this statement may include charges,fees,and payments on the Closing Date. multiply this figure for each balance_by the number of days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES,you can avoid periodic finance charges on purchases ltiis is called a grace periodic race,the result'wili be the periodic finance charges assessed for that balance,except IDr minor van- period on purchases.The grace period is at least 20 days.To get the grace period on purEhases,pay the Follow- aiions caused by rounding. ing amounts by the due date every l period. - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method I.If the periodic rate listed in the . the New Balance,less any No Interest,0%and Equal Payment Plan balances(hat expire after the pry- Finance Charge Summary Section of this statement is iollowed by an"I",we use the fcifo'wing calculation mant due date_plus method.To get the Balance Subjed to Finance Charge for each balance(e.g,,each purchase subject to pro the minimum monthly payments required for your No Interest,D%,and Equal Payment Plan balances Pro- motional terms,other regular revolve crenil plan purchases and Other major purchase plan purchases)we that expire after the payment due date. take the beginning balance for that balance every day(including finance charges imposed in previous billing periods),add any new purchases,subtract any credits Or payments credited as of that day,and make other It you do not,you will not gel a grace period unless you pay the at-Dye amounts by the due date for tvro billing adjuslrnenls.A credit balance is treated as a balance of cero.this gives us the daily balance.We add up all periods in a row. the daily balances for the billing period(including the balances on the Closing Dale)and divide by the iota: In addition,certain promotional otters may take away tlhe grace fie,io„on purchases.Other promutional ollers, number of days;n the billing period.This gives us the Balance Subject to hnance Charge for that balance. in addition to No Interest,Wo ano Equal Payment Plan oll may also allay you to have a grace period or pur We figure a portion of your finance charge on transactions subject to this calculation method by multiply- chases ynthout having to pay all or a portion of the promotional balance by the due date.If either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happens. ing new transactions). BILLING RIGHTS SUMMARY_In Case of Errors or Questions About Your Bill.If you think your bill is wrong, - AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate_listed in the or II you need more informal ion about a transaction on your bill,write us at the Billing Errors address on this Rnante Charge Summary Section of this statement is lolk>Nred by a"K",we use the following calculation statement as soon as possible Vie must hear from you no later than 60 days Efter we send you file first bill on method.To gel the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- which the error or problem appeared.You can llelephane us,but Aping so veil I not preserve your rights. motional terms,ather regular revolve credit plan purchases and other major purchase plan purchases)we In you.,letter,give us the following information: la±.e the beginning balance for that balance every day and sm;btract any credits or payments credited as of . Your name and account number. that day and any unpaid linance charges We do not add in any new purchases.A trend balance is treated . The dollar amount of the suspected error. as a balance of zero.This gives us he daily bal2flCiIIAle add up all the daily balances for the billing period (including[,he balances on the Closing Date)arddivide by the total number of days in the billing period,I his • Describe the error and expairt it you an,why you believe Inera is an error If you need more iniorrnakon, gives us the Balance SuLjecl to t inance Charge for that balance.We figure a portion of your linance charge des•7tie 0 ie item you are unsure about.Please be sure ail correspondence is sigwd by the primary cardholder. on transactions subject to this calculation method by multiplying the applicable_monthly periodic rate for You do not have to pay any amount in question while vile are investigating.But you are still obligated to pay the that balance by the Balance Subject to Finance Charge iekdudinq new transactions). parts of your bill that are not in question.While we investigate your question,we cannot report you as delin- - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.II the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L•,we use the following calculation; Special Rule for Credit Card Purchases.It you hate a problem with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- purchased with a credit card,and you have tried in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)vie may not have to pay the remaining amount due on the goods or services You have this protection only when take the beginning balance for that balance even]day,add any new purchases,and subtract any credits or the purchase price is more than S50 and the purchase is made in your home Slate or within 100 stiles of your payments credited as of that day and any unpaid finance charges.A credit balance is treated as a balance mailing address.(H we own or operate the merchant,or if we mailed you the advertisement for the property or of zere.This gives us the daily balance.We add up all the daily balances for the billing period(including the services,all purchases are covered regardless of amount or location of purdmase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the Entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payrnenL on your Account when due or make a payment to US that is not honored.See below for more details "With credit approval for qualifying purchases made on The Horne Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 26.99%.Default APR up to 29.990%. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is subject to change without net ice IMPORTANT PAYMENT INSTRUCTIONS_ PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.We must receive your mailed payment in proper form at our processing facility by 5 p.m • Online Payments.Visit myhomedepotaccouotcom and sign up for free online payments.Enrollment may local time(here H we de,it will tie credited as gf that day.(Please refer to the top right hand corner on the take a few days If we receive your request to make an online payment by 5 p.DL Eastern time,we will from of your statement for processing facility time zonel A payment received at the processing lacility it credit your payment as of that day and it will post within three business days If we receive your request to proper form alter that tine will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment.after that time,we will credit your payment as of the next day and it will pest to reach us.1 here may be a delay c1 up to 5 days in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be unable to pay your entire New Balance with or is not sent to the correct address.The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the payment coupon.A payment made in-store is not sent i0 pay by Phone Service.You may use this service any lime to make a payment by phone,it your account is the correct address The correct address for a payment sent byrourier or express mail is the Express Pz;ments eligible.You will be charged 1414.95 1d use this service.Call by 5 p.m Eastern time to have your payment Address shown below, credited as of that day and posted within,three business days.If you call after that time,your payment will Proper Form.For a payment sent by mail or courier to be in proper form you must: be credited as of the next day and posted'within three business day>We may process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift darns,or electronically after we verify your identity. fore ign currency please. Express Payments.You can send payment by courier or express mail to The Express Payments Address: Include your name and account number on the Iron:-at your check or money order. Customer Service Center,Attention Payment Mail Opening,8725 W.Sahara Ave.Las Vegas,NV 89111.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment by must be received in proper term at the proper address by 5 p.m Pacific time to be credited as of that day.all electronic debit.If we do,the checking account will be debited in the amount on the check We may do payments received it proper form at the proper address after that time will be credited as of the next day. this as soon as the day we receive the check.Also,the check will be destroyed_ In Store Payments.For Your added convenience,payments can be made at the Home DepoV stn-es with Copy Fee.We charge S5 for each copy of a billing statement that dates bade 3 months or more.We add the no service fee.Payments made at the store prior to the store closing time ivill be posted to your account as Ice to a balance of our choosing,We reserve the ilght to add this fee to balances subiect to a higher annual of that day but availability may be subje-et to verification of funds.- percentage rate.We waive the fee if your request for the cony relates to a billing error or disputed purchaser REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hogrs a day.7 days a week Page 2 of 6 The home Depot Consumer HD 0309A Account: 5439 PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE Payments Promotion FINANCE Monthly Amount Date Date Balance CHARGES &Credits Balance CHARGES' Payment NO INT-NO PYMTS TIL 01/01/2010 $300.57 0321/09 01101/10 $300.57 - - $300.57 $73.06 NO INT-NO PMT FOR 6 MOS $359.30 05109/09 exp'd 11/11109 $359.30 $69.73 - $429.03 $59.29 - 'To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Daily ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PYMTS TIL 01/01/2010 - 0.08216% (M) 29.99% 30 - NO INT-NO PMT FOR 6 MOS $423.61 0.08216% (M) 29.99% 30 $69.73 - REGULAR REVOLVE CREDIT PLAN $3,141.88 0.08216% (M) 29.99% 30 $77.44 _ Tf�°yr}- M, Please note our promotional offers for purchases over $299 } t must change due to regulatory mandates. Any eligible .�yt Yx purchase posted to your account on or after February 22,2010, will require a minimum monthly payment. Eligible promotional purchases posted to your account before February 22, 2010, f, will not change to require a minimum payment. Please see enclosed information for details. Efl co Z N (D Z (0 Z Z z t' More saving.More doing: Cn �� ,-� oZ CD z N Z Z Z Z z Page 3 of 6 Account: 5439 Page 4 of 6 Important Information regarding future No Interest Promotions Dear JUSTIN BARDER, We're writing you to let you know that as of February 22,2010,all new promotional offers will require minimum monthly payments because we are now required by law to have minimum payments on all of our promotional programs. Any eligible purchase made prior to February 22, 2010, but posted to your account on or after February 22, 2010, will receive 'No Payments and No Interest'under the original terms of those promotions. From time to time you may be offered the opportunity to take advantage of promotional z offers. These offers may be made in conjunction with the purchase of specific types of o Z merchandise and/or have certain minimum purchase requirements which will be disclosed in ,z Z the offer. These offers may not be available all the time. Offers will be advertised when Z available and will describe what products they apply to. c,z Lh N z o z Effective 2/22110,the No Interest promotional offers include the following types of offers: z • No Interest if Paid in Full in 6 Months I • No Interest if Paid in Full in 12 Months z • No Interest if Paid in Full by a specific date(for example, by December 31,2010) If the promotional balance is not paid in full by the end of the promotional period or if you otherwise fail to meet the terms of the promotional offer, periodic finance charges will be imposed from the date of purchase at a purchase rate of 22.99% APR,except when your account Is at the default rate,which Is 29.99% APR. Any promotions offered on The Home Depot Consumer Credit Card Account are governed by your card agreement and the terms of the offer.Citibank reserves the right to make changes, Including Increasing the rates and fees applicable to your existing and future promotional balances,as allowed by law. H14P HD Jan10 1 Page 5 of 6 This wage intentionally left blank. Page 6 of 6 Account Statement Send Notice of Billing Errors and Customer Service: Customer Service Inquiries to: myhvmedepotaccoum.eom Mailed payments must be received by 5:00 p.m. HOME DEPOT CREDIT SERVICES or 1-800-677-0232 Central Time on PO BOX 653000,DALLAS TX 75265-3000 Account: 5439 FEBRUARY 09,2010 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due' JANUARY 12,2010 FEBRUARY 09,2010 $3,500.00 $0.00 FEBRUARY 09,2010 $649.00 Opening Balance Payments&Credits Purchases/Other Charges FINANCE CHARGES New Balance Revolving Balancet $3,946.80 $0.D0 ��-`��- $39.00 $183.68 _ $4,169.48 Promotion Balance $0.00 $0.00 T $0.00 + $0.00 — $0.00 Total Balance $3,946.80 $0.00 $39.DD $183.68 $4,169.48 t Revolving Balance includes non-promotional transactions plus Promotions that have expired. CURRENT ACTIVITY Transaction Date LocatiordTransactions Amount We may be able to temporarily reduce your monthly payment and finance charge.Our Account Resolution Specialists are available to provide assistance.Please contart us at 1-866-752-0874;visit us online at myhomedepotaccount.com,or go to your local The Home Depot store. Your late fee was based on an account balance of$3,946.80,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. 01107 LATE FEE $ 39.00 01112 BILLED FINANCE CHARGES" $ 183.66 ANNUAL PERCENTAGE RATE on the account: 29.99 1/."" The"ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional olfer.Refer to the corresponding APR for the APR that applies to each balance. PROMOTIONS Original Previous Billed New Accrued Promo Transaction Transaction Expiration Promotion FINANCE payments Promotion FINANCE Monthly tp Z Amount Date Date Balance CHARGES &Credits Balance CHARGES* Payment OZ NO INT-NO PYMTS TIL 01/01/2010 $300.57 0321109 exp'd 01/01/10 $300.57 $83.32 - $383.89 $73.06 - j Z t(D Z "To avoid paying Accrued Finance Charges on non-terminated promotions you must pay off your Promotions balance by the Expiration Date shown. tD Z 0 Z oz o I o Z oZ Your acxurtt is at risk of hero repo z Avoid having i rtcd t?,s past due and is scheduled zyour account to be closed In the near future.we avant to help you avoid this. Call us today at z We nave a number of solutions to help you through the financial 1-866-752-0875 closed! difficulty you may be experiencing,but we must bear from you. continued on page 3 This Account issued by Citibank(South Dakota),N.A. Page 1 of 4 --------------------------------------------------------------------=--------------------------------------------------------- 't'Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 11 $41169.48 FEBRUARY 09,2010 $457.00 $649.00* $ Starting February 22, 2010, minimum HOME DEPOT CREDIT SERVICE Make Checks Payable SERVICES monthly payments are required on new promotional purchases. 5439041694800150000064900109 KBAVHDi 2 tPt2`lo 303820 A t t 1 I I t III I t t I t t III 1 1 II t1 I r r l HOME DEPOT CREDIT SERVICES 1I 111 1I �h ��I�I I 1� I �� 1I 1 1 PROCESSING CENTER o JUSTIN BARDER DES MOINES,IA 50364-0500 606BST tllnllr�tltllltltllllll�Ir��rltl�ll'I�III'Lllnl��nllnlll�l� ENOLA,PA 17025 1601 Print address changes above in blue or black ink. Information About Your Account balances on the Closing Date)and divide by the total number of days in the billing period.This gives us the • AMOUNT IS ISSUED 8Y CITIBANK(SOUTH DAKOTA),N A Balance Subject to finance Charge for that balance.We figure a portion of your finance charge on transac- YOUB A t ions subject to this calculation method by mullipigino the applicable monthly periodic rate for that ba.am:e • BALANCE SUBJECT TO FINANCE CHARGE by the Balance Subject to Finance Charge(including iiew transactions). TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C.If the periodic rate AVERAGE DAILY BALANCE UNCLUDING NEW TRANSACTIONS)-Method M.II the periodic rate listed in the listed in the Finance Charge Summary Section of this statement is followed by a"C",we figure a portion of France Charge Summary of this statement is followed by an"ht",we use the following calculation method. the finance charge on your account each day by multiplying the daily balance for each balance(eg.each We calculate periodic finance chat 4es separately for each balance.Balances include regular purchases and purchase subject to promotional terms,other regular revolve credit Plan purchases and other major pur- different promotional balances To get a daily balance,we start.rich the balance as of the end of the previ- chase clan purchases)by tie appl canle daily periodic rate.We do t is each day of the billing period,includ- ous day.We add any periodic finance charge on the previous day's balance.(Ibis results in daily compound- ing the Closing Date.In addition,for each balance,we multiply the daily balance for each day of the previ- ing of finance charges(We add any new charges.We then subtract any new credits or payments and make ous(Filling period by the applicable daily periodic rate unless your account was credited for the arnounl other adjustments.Acredit balance is treated as a balance of zero.We figure the periodic finance charge by required to get I he grace period on purchases(described below in I:he section entitled the"Grace Period on multipting the daily balance by its daily periodic rate.We do this for each day in the billing perod The Purchases)or a periodic finance charge ryas already billed era that balance.to gel the daily balance,we lake Balance Subj<_d to Finance Charge is the average_of the da ly balances during the billing period.It you mul- the beginning balance for each balance every day,add any new purchases,fees,and any finance charge on tiply this figure for each balance by Its daily periodic rate and by the number of days in the billing period, the preyiousoy'shalance,subtract any creditsor payments credited as of that day,and make other adjust- the result is the total periodic finance charge on that balance.Rounding may cause a small difference. meols.A credit balance is treated as a balance of zero.The Balances Subject to Finance Cfiargeare the aver- PROMOTIONS.We may offer you promotional terms for all or a pan of any balances Any prornotional terms ages of the respective daily balances during the applicable billing periods.II you multiply the current cycle may apply for a IiT,ded pet io5 of time.Ihey will be governed ty the Terms of I he promotional Oter anJ your Balance Subject to Finance Chargee by the number of days in the billing period and by the applicable daily Card Agreement.1 hey may include the No Interest.016,and Lqual Payment Plan offers described below,your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(il arrentty subject to promotional terms may end it you default under the Card Agreement because you do not crake the minimum a finance dharde)by the number of days in that billing period and by the applicable daily periodic rate.and add those two figures together result will be'the periodic finance charges assessed for that balance, Payment when due,go over the credit line or make a payment to us that is not pay except for minor variations caused by rounding. No Interest IJo finance charges will be imposed on this balance it you pay the balance in full by the AVERAGE GAILY BALANCE(INCLUDING NEW TRANSACTIONS)Method H.It the periodic rate listed in the end of the promotional period.We will impose finance charges on this balance it you de not pay the bal- AVERA.Charge Summary Section(INCLUDING statement is CTIO S hy'a"H".H_ figure a portion of the finance ante in lull by the end of the promotional period or the promotional terms are terminated,We will charge on your account each day by multiplying the daily balance for each balance(eg.,each purchase sub- impose these finance charges from the date u purchase until the balance Ibalan in lull The promotion, ject to promotioal terms,other regular ievOfve credit plan purchases and other major purchase plan pur- chase,'by the applicable daily periodic rare We do this each day of the billing period,including the Closing 0%.No finance charges are irnposed on this balance_during the promotional period.The promotional Dale.to gel the daily balance,we lake the beginning balance for each balance ewer/day,add any new pur- offer will specify the amount or any minimum payment required on this balance. closes and any(inane charge on the previous day's balance,subtract any credits or payments credited as - Equal Payment Plan.this balance will be repaid in equal minimum paynerts The promotional offer will of that day,and make ether adjustments.A credit balance ri treated as a balance of zero.The Balances specify the amount of the minimum payment required on this balance. Subject to r finance Chart are the averages of the respective daily balances during the billing period.t you CLOSING DATE.At our discretion,this statement may include charges,fees,and payments do the Closing Date. multiply this figure for each balance by the number of days in the billing period and by the applicable daily GRACE PERIOD ON PURCHASES.You can avoid periodic finance charges ern purchases.this is called a grace periodic rate,the result'wil:be the periodic finance charges assessed for that balance,except IDr minor vari- period on purchases.The grace period is at feast 20 days.To get the grace penod on purchases,pay the fGlluyr axons caused by rounding. ing amounts by the due dale every billing period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTR)NS)-Method L If the periodic rate listed in the . the New Balance,less any No Interest,0%and Equal Payment Plan balances that expire alter the pay- Finance Charge Summary Section of this statement V rollowed by an"I",we use the frilowing calculation Melt due date.plus method.TO qei the Balance Subject to Finance Charge for ea h balance(e.q.,each purchase subject to pro- . the minimum nontWy payments required for your No Interest,0%,and Equal Payment Plan balances motional terms,other regular revolve credit Ilan purchases and other major purchase plan purchases)we that expire alter the payment due date. take the beginning balance for that balance every day(including finance charges imposed in previous billing periods),add any new purchases,subtract any credits or payments credited as of that day,and make other If you do nor.you will n m riot gel a grace period unless you pay the afore aounts by the due date for two billing adjustments.A credit balance is treated as a balance of zero.I his gives us the daily balance.We add up a! pencils in a row. the daily balances for the billing period finciuding the balances on the Closing Dale;and divide by the lola In addition,certain promotional oilers may lake away the grace period on purchases.Other promotional oilers, number of days in the billing period.this gives as the Balance Subject to Finance Charge for that balance. in addition to No Interest,0%and Equal Payment Plan olfers,may also alloy you lohave a grace period on pur- We figure a portion of your finance charge on transactions subject to this calculation method by multiply chases without having to ear all or a portion of the promotional balance by the due date.It either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional oiler will describe what happens. ing new transactions). BILLING RIGHTS SUMMARY.In Case of Errors or Questions About Your Bill.If you think your bill is wrong, - AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate listed in the or if you need more information about a transaction on your bill,write us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a"K",we use the following calculation: statement as soon as possible.Ve must hear from you no later than 60 days alter we send you tae first bill on method.To get the Balance Subject to Finance Charge for each balance(eg..each purchase subject to pro- which the error or problem appeared.You can teleph;:ne us,but doing w vrill not preserve your rights. motional temps,other regular revolve credit plan purchases and other major purchase plan purchases)we In your letter,bye us the following information: take the beginning balance for that balance every day and subtract any credits or payments credited as of Your nave and account number. that day and any unpaid finance charges.Vie do not add in any new purchases.A credit balance is treated The dollar amount of the suspected error. as a balance of zero.This gives us the daily balance.lte add up all the daily balances for the billing period Orduding lie bafanceson the Closing Date)and divide by the total number of days in the billing period.I his Des vibe the error and explain if you an,why you believe lie r s an erg•r.II you need mare inian»lion, gives us the Balance Subject to f finance Charge for that balance.We figure a portion of your linarxe charge desc rye Cie item you are unsure about.Plrasr-be sure di correspordonce is sigrr d by the of imary cardhGlder. on Lansactions subject to this calculation method by multiplying the applicable monthly periodic rate for you do not have to pay any amount in question vrhile we are investigating.But you are still obligated to pay the that balance by the Balance Subject to Finance Charge(exduding new transactions). par•,s of your bill that are not in question.While we investigate your question,we cannot report you as delin- - AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.It the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an"L",we use the following calculation Special Rule for Credit Card Purchases If you have a probte m with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- purchased with a credit card,and you have tri>d in good faith to correct the problem with the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)vin may not have to pay the remaining amount due on the goers or services You have this protection only when tare the beginning balance for that balance every day,add any new purchases,and sub nct any credits or the purchase price is more than S50 and the purchase is made in your home slate or within 100 rules of your payments credited as of that day and any unpaid finance charges.A credit balance is treated as a balance mailing address.It we own Of operate the merchant,or it we mailed you the advertisement for the property or of zero.This gives us the daily:glance.We add up all the daily balances for the billing period(including the services,all purchases are covered regardless of amount or locatiun or purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us that is not nonored.See below for more details. `4Yith credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 26.99%.Default APR up to 29.990%. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default-rate applies.Offer is only valid for consumer accounts and is subject to change without notice. IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.'Ale must receive your mailed payment in proper torn at our processing facility by 5 p.m • Online Payments Visit myhomedepotaccount.com and sign up for free online payments.Enrollment may kcal time here If we do,it will be credited as of that day.(Please refer to the top right hard writer on the lake a few days If we receive your request to make an online paymeint by 5 p.m Eastern time,we will front or your statement for processing facility time zone.(A payment received at the processing facility in credil your payment as of that day and it will post within three business days If sve receive your request to paper form alter that time will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment after that time,we villl credit your payment as of the next day and it will post to reach us.There may be a delay Of up to 5 drys in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may be unable to pay your entire New Balance with a is not sent to the correct address The correct address for a payment sent by regular mail is the address your first online payment. listed on the return envelope or on the front of the Payment coupon.A Payment naae In-store is not sent to . Pay by Phone Service.You may use this service any lime to make a payment by phone,it Your account is the correct address The correct address for a payme,it sent by courier or express mail is the Express Payments eligible.You will be charged 514.95 to use this service.Carl by 5 p.m.Eastern time to have your payment Address shown below, credited as of that day and posted within three business days.If you call after that time,your payment will Proper Form.For a payment sent by mail or Courier to be in proper form,you must: be credited as of the next day and posted within three business days.We may process your payment • Enclose a valid check or money order made payab'e to Home Depot Credit Services.No cash,gilt cards,or electronically after we verity your identity. foreign currency please. Express Payments.You can send payment by courier or express mail to the Express Payments Address • Include your name and account number on the(runt of Your dirk or money order. Customer Service Center,Attertiorr.Payment Marl Opening,8725 W.Sahara Ave,Las Vegas,NV 891(1.Payment It qw send an eligible check with this payment torpor,you authorize us to complete your payment hY must be received in pro per to m at the proper address by 5 p.m Pacific time to be crediteG as of that day.All electronic debit.If vre do,the checking account will be debited in the amount on the check.We may do payments received it proper Torn at the proper address after that h me will be credited a of the next day this as soon as the day we receive the check.Also,the check will be destroyed. to Store Payments.for your added convenience,payments an be made at Ire Home Depot`stores with Copy Fee.vile charge S5 for each copy of a billing statement that cotes back 3 months or more.We add the no service fee_Payments made at the store prior to the store closing time will be posted to your account as In to a balance of our choosing.rile reserve the right to add this fee to balances subject to a higher annual of that day bull avalWbility may tie subject to verification of funds. percentage rate.We waive the in if your request for the copy relates to a bilfig error or disputed purchase. REPORT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hours a day.T days a week The Nome Depot Consumer HO 0309A Page 2 of 4 Account: 5439 FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other Subject to Dairy ANNUAL Billing FINANCE FINANCE Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Current Billing Period NO INT-NO PYMTS TIL 01/01/2010 $378.57 0.08216% (M) 29.99% 33 $8332 - REGULAR REVOLVE CREDri PLAN $3,701.67 0.08216% (M) 29.99% 33 $100.36 - to �Z °Z m Z co I (O Z m o Z O Z oZ of o Z °Z N Z I Z Z Z Z Page 3 of 4 Account: 5439 Page 4 of 4 Account Statement Send Notice of Billing Errors and Customer Service: Mailed payments must be Customer Service Inquiries to: myhomedepolaccount.com received by 5,00 p.m. HOME DEPOT CREDIT SERVICES or 1-866-45A7c°' Central Time on PO BOX 653000,DALLAS TX 75265-3000 Account- 5439 MARCH 09,2010 Closing Date Next Closing Date Credit Line Credit Available Payment Due Date Minimum Payment Due FEBRUARY 09,2010 MARCH 11,2010 $0.00 $0.00 MARCH 09,2010 $726.00 Opening Balance Payments&Credits PurchaseslOther Charges FINANCE CHARGES New Balance Revolving Balancet $4,169.48 $100.00 $39.00 $95.61 _ $4,204.09 Promotion Balance $0.00 $0.00 + $0.00 + $0.00 — $0.00 Total Balance $4,169.48 $100.00 $39.00 $95.61 $4,2D4.09 t Revolving Balance includes non-promotional transactions plus Promotions that have expired- CURRENT ACTIVITY Transaction Date LacationlTransactions Amount We may be able to temporarily reduce your monthly payment and finance charge.Our Account Resolution Specialists are available to provide assistance.Please contact us at 1-866-752-0874;visit us online at myhomedepotaccount.com:or go to your local The Home Depot store. Your late fee was based on an account balance of$4,069.48,which was your account balance on the late fee transaction date. SEE BACK OF STATEMENT FOR INFORMATION ON GRACE PERIOD AND PROMOTIONAL OFFERS. P91940OD809GWODD5 0124 PAYMENT-THANK YOU $ 1 DO.00- 021D9 'BILLED FINANCE CHARGES` $ 95.61 02!09 LATE FEE $ 39.00 ANNUAL PERCENTAGE RATE on the account: 29.99%" "The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic finance charges imposed this billing period on all balances on which finance charges were imposed. Finance charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer to the corresponding APR for the APR that applies to each balance. FINANCE CHARGE SUMMARY Balance Corresponding Days in Periodic Other o Z Subject to Dairy ANNUAL Billing FINANCE FINANCE Z Finance Charge Periodic Rate PERCENTAGE RATE Period CHARGES CHARGES Z Current Billing Period 1 REGULAR REVOLVE CREDIT PLAN $4,156.32 0.08216% (M) 29.99% 28 $95.61 - Z Co. Z w Z o Z o I o Z �y Your -t ant. S"timpn �i S f- make,ke :+� 7�:a avF'. �.t:=n; k" siz P•,ts v:%7 `e i.•�'z, rr- t Z irk.€"t „�dtr'a•��' '!�a .y �`y3� nt"�� Z ��{�x:..< c< z" `s ."� £ ` , Many Dustomers have resolved overdue amounts by using itleir tax refund money.Its simple :. Z and convenient,If you're net expecting a refund,we may have payment options available. i z Vt Call -866-518-6159 today.We have payment options and plans that you may not be aware of.So ft's important for you to call today. This Account Issued by Citibank(South Dakota),N.A. Page 1 of 2 ------------------------------------------------------------------------------------------------------------------------- 't'Please detach here. Your Account Number New Balance Payment Due Date Amount Minimum Amount Past Due Payment Due Enclosed 5439 11 $4;204.09 MARCH 09,2010 $549.00 1 $726.00 11$ Starting February 22,2010, minimum Make Checks Payable to: monthly payments are required on HOME DEPOT CREDIT SERVICES new promotional purchases. '5439042040900100000072600103 KBAVHDi 1 219,NO 287362 A °� '�t�l��lll'�Il��t�llll��ll��l�l�ttlit�t�t�l�lll�l��lltl�lllttll HOME DEPOT CREDIT SERVICES W PROCESSING CENTER N JUSTIN BARDER DES MOINES,IA 50364-0500 606 S ST tlltt�lt�t�tll�tltll Iltl�lt��t�fl�l I'I�III'Itllttl��ttllttllt�� ENOLA;PA 1 7025-1 601 Prim address changes above in blue or black ink Information About Your Account balances on the Closing Dale)and divide try the total number of days in the billing period.This gives us the • YOUR ACCOUNT IS ISSUED BY CITIBANK(SOUTH DAKOTA),N A Balance Subject to finance Charge for that balance.'Ale Figure a portion of your finance charge on transac- tions subject to this calculation method by multil lyins the app•'kable monthly periodic rate for that balam_e • BALANCE SUBJECT TO FINANCE CHARGE by the Balance Subject to Finance Charge Cncluding ne:v Uansactions). TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method C.If the periodic rate AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS}Method M.If the periodic rale listed in the Este-,in the Finance Charge Summary Section of this statement is followed by a"C",we figure a portion of Finance Charge Summary of this statement is fulleeed by art."M vie use the following calculation method. the finance charge on your account each day bv,multiplying the daily balance for each balance(ea.,each We calculate periodic finance charges separately for each balance.Balances include regular purchases and purchase subject to promotional terms,other regular revolve credit plan purchases and other major pun- different promotional balances.To get a daily balance,we start with the balance as at the end of the previ- chase nlan purchases)by the applicable rally periodic rte We do this each day of the billing period,includ- ous day.We add any periodic finance charge on the previews day's balance.(This results in daily compound- frig the Closing Cate.in addition,for each balance,we multiply the daily balance for each day of the prey.- ing of finance charges)We add arty new Charges.Vie then subtract any new credits or payments and make ous billing period by the applicable daily periodic rate,unless your account was credited for the amount other adjustments.A credit stance is treated as a balance of zero.lVe figure the periodic finance charge by required to get the grace period on purchases(described below in the section entitled the Grace Period or multiplying the daily balance by its daily per;odic rate We do this for each day in the billing per.od.The Purchases)or a periodic finance charge ryas already billed on that balance.to gel the dally balance,we lake Balance Subject to Finance Charge is the average of the da ly balances during the billing periodAf you mul- the beginning balance for each balance every day,add any new purchases.fees,and any finance charge on liply this figure for each balance by Its daily periodic rate and by the number of days in the tilling period, the preVIDU5d3'/'S talanCe,Snbtrad any creditsor payments credited as of that day,and make other adjust- the result is the total eeriodic fence charge on'that balance.Rounding may cause a small diflerence. ments.A credil balance is treated as a balance of zero.The Balances Subject to Finance Charge are the aver- ages c the Subject Fin daily balances during the applicable billing periods.II you multiply the current cycle may apply Ion a limited period of time they will be governed by the[errs el f he promotional oiler and your Balance Subject to Finance Chang=_by the number of days in the billing period and by the applicable daily Card Agreement.ibey may include the No Interest.0%,and Lqual Payment Plan offers described below.Your periodic rate,and you multiply the previous cycle Balance Subject to Finance Charge(if currently subject to promotional terms may end if you default under the Card Agreenent because you do not make the minimum a finance c aroe)by the number of bays in that billing period and fry the applicable daily periodic rte:and add those two figures together,the result will be the periodic finance charges assessed for that balance, Payment when due, N over the credit fine will make a payment to us that is not pay the except for minor variations caused by rounding. en lof the pr No finance charges will be imposed on this balance ii you pay the balance in cult by the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method H.If the periodic rate listed in the end of the promotional period.p-will urpose finance charges on ti s balance if you er not pay the bah Finance Charge Summary Section of this statement is lollowed by a"H•,we figure a portion of the finance once in f cd by the=_rid of the from the date period a the promotional terms s pa are termihe p_r We will ctar a on• ur account each day by multiplying the daily alance for each balance fe...,each purchase sub- impose th-s.linanc=_charges from the date e(purchase until ,?balance s paid in full Th.promglion- g m.. p Y g P at offer will specify the amount of any minimum payrrent required on this balance. jell to p�mg:anal terms,other regular revolve credit plan purchases and other major purchase p an Dur- chases)by the appf able daily periodic rate.We du this each day ai the billing period,including the Closing Ooh.No finance charges are imposed on this balance during the promblional period.The promotional Date to gel the daily balance,cue lake the beginning balance for each balance ever/day,add any new pun offer-rill spediy the amount al any minimum.payment required on this balance. chases and any finance charge on the previous day's balance,subtract,any credits or payments credited as - Equal Payment Plan.lhis balar•oe will to repaid in equal minimum payrnehts.The promotional offer will of that day,and make other adjustments.A credit balance is treated as a balance of zero.ire Balances specify the amount of the minimum payment required on this balance. Subject to Finance Charge are the averages of the respective daily balances during the billing period.If you CLOSING DATE At our discretion,this statement may include charges,fees,and payments on the Closing Date. multiply this figure for each balance by the number of days mine billing period and by the applicable daily GRACE PERIOD ON PURCHASES,You can avoid periodic finance charges or)purchases this is called a grace periodic rte,the result will be the periodic finance charges assessed forthat balance,except forminor vad- period an purchases.The grace period is at feast 20 days.To get the grace period on purchases,pay the felfow- ations caused by rounding. ing ariuunts by the due dale every bill;rig period. AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L If the periodic rate listed in the . the New Balance,less any No Interest,0-b and Equal Payment Plan ba'ances that expire after the pay- Finance Charge Summary Section of this statement is followed by an"P',we use the follourim calculation meent due date.plus method.To get the Balance Subject to Finance Charge for each balance(e.g.,each purchase subject to pro- . the nininum monthly payments required for your No Interest,00rh,and Equal Payment Plan balances date. motional terms,other regular revolve credil plan purchases and other major purchase plan purchases)we that i a take the beginning balance for that balance every day(including linanca charges imp a expire alter the payment due osed in previous billing periods),add any new pu chases,subtract any credits or payments credited as of that day,and make other If you do not,you will riot gel a grax period unless you pay the above amounts by the due date for two billing adjustments.A credit balance is treated as a balance of zero.I his gives us the daily balance.We add up all periods in a row. Die daily balances for the billing period(including the balances on the Closing Dale)and divide by the total In addition,certain promotional oilers may lake array the grace period on purchases.Other promotional offers, number of days:n the tilling period.this gives is the Balance Subject to France Charge for that balance in addition to No Interest,0%and Equal Payment Plan offers,may also allow you to have a grace period on pur- We figure a portion of your finance charge on transactions subject to this calculation method by multiply- chases without having to pay all or a portion of the premotienal balance by the due date.If either is the case, ing the applicable monthly periodic rate for that balance by the Balance Subject to Finance Charge(includ- the promotional offer will describe what happens. ing new irarrsactionsf. BILLING RIGHTS SUMMARY In Case of Errors a Questions About Your Bill.If you think your bill is wrong, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS)-Method K.If the periodic rate_listed in the or if you need more informal ion about a transaction on your bill.Witte us at the Billing Errors address on this Finance Charge Summary Section of this statement is followed by a'F;",we use the following calculation statement as soon as possible.lye must hear from you no later than 60 days alter we send you the first bill on method.To get the Balance Subject to Finance Charge for each balance(e-g.,each purchase subject to pro- which the error or problam appeared You can telephone us,but d,inq so vita not preserve your rigll motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)vie In your letter,give us the following information: la'+.e the beginning balance for that balance every day and subtract any credits or payments credited as of Your name and account numr. that day and any unpaid finance charges We do not add in any new purchases.A credit balance is treated as a balance of zero.This gives us the daily balance.'Ale add up all the daily balances for the billing period The dollar amount of the suspected error. (irUudmg I ie balancesgn the Closing Date)and divide by the total aumiber of days in the billing period.I his - Describe the error and ecp,airc if you;an,why you believe there is an error.If you need more inlrxrnalion, gives us the Balance Subject to t inance Charge for that balailte.We figure a portion of your finance charge describe Die item vDu are unsure about.Please be sure all coiresponde_ a is sigimel by the pt imary cardloklcr. on transactions subject to this calculation method by multiplying the applicable monthly periodic rate far You do not have to pay any amount in question while ire are invesli•aating.But you are still obligated to pay the that balance by the Balance Sublect Lg finance Charge excluding new transactions_). parts of your bill that are not in question.While we investigate your question,we cannot report you as datin- AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method L.11 the periodic rate listed in the quent on the disputed item or take any action to collect the amount you question. Finance Charge Summary Section of this statement is followed by an•L•,We use the following calculation Special Rule for Credit Card Purchases.If you have a problem with the quality of goods or services that you method.To get the Balance Subject to Finance Charge for each balance(e.g.,each purchase abject to pro- purchased with a credit card,and you have tried in good faith to correcl the problem:viih the merchant,you motional terms,other regular revolve credit plan purchases and other major purchase plan purchases)we may not have to pay the remaining amount due on the goods or services You have this protection only when take the beginning balance for that balance every day,add any new purchases,and subtract any credits or the purchase price is more than SSO and the purchase is made in your home state or within 100 rules of your payments credited as of that day and any unpaid finance charges.A credit balance is treated as a balance mailing address,ill we Own or operate the merchant.or if we mailed you the advertisement for the properly or of zero.This gives us I he dally balance.We add up all the daily balances for the billing period(Including the services,all purchases are covered regardless of arnount or locution of purchase.) FINANCE CHARGES accrue from the date of purchase at the regular purchase rate in effect from time to'time and all accrued FINANCE CHARGES will be added to your Account for the entire promotional period it qualifying purchases(including premiums for optional credit insurance)are not paid in full before the end of the promotional period or if you fail to make any required payment on your Account when due or make a payment to us that is not honored.See below for more details lYi`h credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up is 26.99 016.Default APR up to 29.99%. Minimum FINANCE CHARGE:$2.Lower rates may apply.See card agreement for details including when the default rate applies.Offer is only valid for consumer accounts and is suhject to change without notice. IMPORTANT PAYMENT INSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Crediting Payments.A'e must receive your mailed payment in proper format our processing facility by 5 p.m • Online Payments.Visit myhomedepotacmuntcom and sign up for free online payments.Enrollment may local time there.If we do,it will be credited as at that day.(Please refer to the top right hand carrier on the lake a few days.If we receive your request to make an online payment by S p.m.Eastern time,we will trorl of your statement for processing facility time zone)A payment received at the processing lacility it credit your payment as of that day and it will past within three business days It we receive your requed to proper form after that lime will be credited as of the next day.Allow 5 to 7 days for payments by regular mail make an online payment after that tim?,we will credit your payment as of the next day and it will post to reach us.There may be a delay of up to 5 drys in crediting a payment we receive that is not in proper form within three business days.For security reasons,you may he unable to pay your entire New Balance with or is not sent to the correct address.The correct address for a payment sent by regular mail is the address your first onfine payment. listed on the return envelope or on the front of the payment coupon.A paym node de In-store is not sent to • Pay by Phone S"ce.You may use this service any time to make a payment by phone,ii your account is the correct address The correct address for a payme f sent by courler or express mail is the Express Papnents eligible.You will be charged SI495 to use this se„ice.Ca'I by 5 p.m.Eastern time to have your payment Address ihorm below. credited as at that day and posted within three business days.Il you call aster that time,your payment will Proper Form.For a payment sent by mail or courier to be in proper form you must: be credited as of the next day and posted within three business days We nay process your payment • Enclose a valid check or money order made payable to Home Depot Credit Services.No cash,gift cards,or electronically after we verify your identify. foreign currency please. Express Payments.You can send payment by courier or express mail to the Express Payments Ad rss: • Include your name and account number on the front of your dieck or money order. Customer Service Censer,Atlertiorc Payment Mail Opening,8725 W.Sahara Ave..Las Vegas,NV 891T71.Payment If you send an eligible check with this payment coupon,you authorize us to complete your payment hY must be received in proper form at the proper address by 5 p.m.Pacific time to be credited as of that day.All electronic debit.I i ire do,the with this account yme will be debited in the amount on the check ay may do Payments received in proper form at the proper address after that time will be credited as o1 the next day. this as soon as the day we receive the check.AIM the check will be destroyed. In Store Payments,for your added convenience,paymens Can be mad=_al Inc Home Depot=stores with Copy Fee.We charge S5 for each copy of a b fling statement that dies back 3 months or more.We add the no service ice Payments mare at the store prior to the store closing time will be posted to your account as fee to a balance of our choosing.We reserve the right to add this fee tb balances sublect to a higher annual of that day but availability may be MEDsubject ELY.verification of funds. percentage rate.We waive the fee if your request for the copy relates to a billing error or disputed purchase. REPORT A LAST OR STOLEN CARD IMMEDIATELY.You may call Customer Service 24 hovers a day.7 days a week The Home Depot Consumer HD 0309A Page 2 of 2 Account Statement Send Nolice of Billing Errors and Customer Service: Customer Service Inquiries to: myhomedepotaccount,com HOME DEPOT CREDIT SERVICES or 1-866-458-7683 PO BOX 653000,DALLAS TX 75265-3000 Account Numbe 15439 Mailed payinents must be received by 5:00 PM at the -Summary of Account Activity Payment Information address for payments by the payment due dais. Previous Balance $4,204.09 New Balance $4,351.62 Payments -$0.00 Minimum Payment Due $918.00 Other Credits -$0.00 Payment Due Date April 09,2010 Purchases +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$39.00 date listed above,you may have to pay a late fee up to$39.00. Interest Charged +$108.53 Minimum Payment Warning: If you make only the minimum payment each New Balance $4,351.62 period,you will pay more in interest and it will take you longer to pay off your Past Due Amount $ balance For example 726.00 . f itrl� ra b � f ,.ijvr�-day of{3ha� Atfd yvY#tNtt11 �°slrar�@��s3nc�' S{s>;arri #a�a��t3�'nzrtrua�. exid�i�PaYftlg�riti Credit Limit $0.00 h#ytpriihpti s1eent.l;ia�aiif:: estfsalof�zf#i Available Credit $0.00 Only the minimum payment 23 years $12,275 Statement Closing Date 03/12/2010 $185 3 years (Savings,6 5,625) Next Statement Closing Date 04/12/2010 Days in Billing Cycle 31 If you would like information about credit counseling services,call 1-677-337-bifi8. To avoid interest charges pay$4,351.62 plus any promotions SAVE STAMPS, Register now for Paperless expiring this period,by 04/09/10(residual interest may apply). TIME... Statements and more at AND TREESI myhomedepotaccount.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 myhomedepotaccount.com or go to Z your local The Home Depot store. co Z 9 z Your late fee was based on an account balance of$4,204.09,which was your account balance on the late fee transaction date. m Z CD I CD Z m Z Z � Z O OZ O z Z I Z z Your.manfh�y z There are a number of changes to your monthly credit card statement. - z bi Ri $t�teme.nt These changes will provide you with all the information about your account _ _ (payments,charges,fees, interest,due dates-eve hln ! in one place. Please see page 4 for additional information. y©u::more:.:._:.::°. NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pagel of 4 This Account is issued by Citibank(South Dakota),N.A. ----------------------------------------------------------------------------------------------------------------------------- T Please detach this portion and return with your payment to insure proper credit. Retain upper portion for your records- IN Your Account Number New Balance Payment Due Date Past Due Minimum Amount Amount Payment Due Enclosed 5439 $4;351.62 APRIL 09,2010 $726.00 $918.00 $ Starting February 22,2010, minimum Make checks Payable to: monthly payments are required on HOME DEPOT CREDIT SERVICES new promotional purchases. .5439043516200100000091800104 KBAVHDi 2 3.111NO 0A I i I r l l III I III I I i l l l l 1 (III I I I I HOME DEPOT CREDIT SERVICES PROCESSING CENTER LrI JUSTIN BARDER DES MOINES,IA 50364-0500 606 BST tllnllr�rltll�tltlllv111-11l 1l 1111111Illrltllnl��lrllnlll�� ENOtA,PA 1 7025-1 60 1 Prim address changes above in blue or black ink Information About Your Account divide by ere total number of days in the billing period.This gives us the Balance Subject to Finance Charge •TOUR ACCOUNT IS ISSUED BY CTIIBANK(SOUTH DAKOTA),NA, let that balance.We figure a portion of Your f irSM charge on transactions subjea to this calculation matiod •BALANCESUBJECTTORN/WCECHARGE (incniuWJngnowtrtr�croosj m0 ypmodic rate fxthat balarrefry the Belance SubjedtoFirerw¢Charge •TWO-CYCLE AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Malbod C. t the -AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS)-Method M. a the periodic rate periodic rate fisted in the Finance Charge Srmr vq Section of this stalwart is followed by a'C'.we figure a listed inthe Final Charge Summary of this stated is followa i byarn"M',we use the following calalation portion of the f irrerce rharAs or youracccunt each day loll rmdl'�plyirA e a tai bzlance to each te'arr~(e.g,each method.We calculate periodic finan echages sepmately for each ba acme.B21ances include regular purchases frurchase subject m pranofio lama,other regular uevolu iedrt plan and other major purdnase plan and differed pnomdional balances.To get a daily balana we start w1h the balance as of the end of the pmdneses)by the applicable daily periodic ram.We do this eadn day of the billing period.including the Cloiing previous day.We add any periodic finance charge on the previews dayrs balance.(This resuKs in dairy Data In addition,for ea tr balance,we multplytier daily elarnce for each dap of the previous billing period by the compounding of fnama charges.)We add arty tnewc arges We than subtract any raw audits or paymanls and apptitabis daily periodic rate unless yourauxwunt was pedited tar the amount ragmred to gd the grce pen0d 01 make other adjustments.Acradit balance is treated as a balance of zaro.We figure the periodic iirnarrce charge purchases(described below m the suction erditled 1ha Grace Period on Punclnases)cr a porhodic fimnance darga by multi pplying the daily balance by I daily pelcdre rate.We do this lot each day in the billinp period The Kos aheady blllod or that balance To at the daily balance,we take the beginning baianoe tar each balance¢vary Baler>ceSrDOct to Finance Charga is the average of the dairy balances during the billing period.If you multiply day,add anry new purchases,fans a�any firuarrce rharga on the previous day s balance,subtract arty credits or Ihisfigure for each balance by its dailyperiodic rate and by the number of days in the billing period,the resue Pzyrre nt rxedtd as bl ilnat�Y and make other adjustment.A aedit balance s Ireafed as a baknce of aero.The Is the total periodic finance c ge an that balance.Rau rng may amuse a small drftaence. lances Subject to Finance Charge are the averages ofthe naVedir.dally balances during the applicable billing PROMOTIONS.Werneyotiefyou motional lei ms for allot a pad of any balances.Any piornalional terms nialt i Period&h you mrdhiply the cunard cycle Balance Subject to Finance Charge by the number of days in the billing apply for a limited period ci time They will be gevarrned the terms of the prorrd'mal offer and your Card period and by the applicable tallyy parfoe6 rate,and you mulupip the prevrous g71e Balance Sjojad to Finance Agrerm^rd They may include the No IrA reel 046 and qual Payment PWn oKCSS describal below.Your Change R currently subled m a fiance charge)by the mnmben rut Sys in that billing eriad and i y the applicable p omotiaaai terms may eM r you ddaud under the(�N Agreemerd because yw do not make itue minimuar dally peodic rate,and add those two figures logelher,the resull will be the periodic finance charges assessed fa paymed when due go oyes One credd I;rhe,or make a payrrnernt 10 a Ural us not honored. that balance,excelon for mirror variations caused by roundirng • No Interact.A'o hrence charges will be imposed on This balance d you pay ttre balance m full Lthe erg of AVMGE DAILY BALANCE(INCLUDING NE►V WARACTiONS}Meilod H.it the periodic math L'sted in Ole pmrrrot anal period.We will lipase firraruce oho pOS on Ibis balance d you do oat pay the ba rrcc in full the Fnanc:e Charge Summary Section of this statement is followed by a'H',we figure a portion of Lie finance by the and of Ih p gnrotonai period err the prornnohtiahal terms are aminated Vlc will impose three finamx dirge an your account each day by multiplying the daily balance for each balance(e.g.,each purchase subject to charges from the date od purchmase until the balanx is Wid in foil.The promotional otter will speciy the promrofional terms,odder regular revolve cmdil plan purchases and other major purchase plan purchases)by The amoud of any minimum payment required m Ibis haler¢¢ applicable dally periodic rata.We do this each day of the tolling period,including ties Closing Dille.To gel the daily •04'd No lima nce cha ges are irmpos°d on Ibis balance dtuinA the prom0l'mret period.The promdiorel offer balance,we aVoethe beginning balance for each balance every day,add any new purchases and any finance charge will specify the amount of any minimum payment required on this balance. on die previous days balance,subtract any credit or payments credited as d that day,and make other • Equal Payment Plan.This balance will be repaid in equal minimum payments.The promotional o"er will adjustment.A credit balance is Treated as a be%=N zero.The Balames Subject to Finance Charge are the spear the amount oi.ihe minimum payment required an this balance. averages of the respective daily b'clarces during the billing period Ii you mutiply this figure lot each balance by CLOSING DATE.At our discretion,this statement may include charges,foes,and payments on the Closing Date. the number of days in the billing period and by tie applicable daily pe odic rte,the result will be the perk GRACE PERIOD ON PURCHASES.You an avoid periodic fnamcerharges on purchases.This is called agrace finance charges messed for that balance,except for mirror variations caused by rounding. period on purchases.The grace period is at least 20 days.To gat the grace period on pu chases,pay the following AVERAGE DAILY BALANCE(INCLUDING NEW RRANSACTiONS)•Mathed i,t the perdcdre rate listed in amounts by the due date ever billing perms Me France Charge Summary Section of this statement is followed by an 1',we use the following calculation • the New Balanca,less any No Interest,D%and Equal Payment Flan balances that expire attar the payment method.Togs the Balance Subject to Finance Charge for each balance(ell,each puree subject to promotional due date,plus i berms,other regular revolve credit plan purchases and other major purchase plan purchases)we take the beginning • One minimum monthly payments required for your No Interest,0%,and Equal Payment Plan balances that i balance hot that balance every day(including finaixe charges imposed in previous billing periods),add any new expire after 1M paynied:due date. ; purchases,subtract any credits or payment aednad as of that day,and male odder adjusUnaals.A credit balance 0 you do not you will not get a grace period unless you pay the above amounts by the due date lot two billing ttraa:ed as a balance of z&a This gives us the daily balance.M add up all the daily balances for the billing period periods in a row. r (including the balances on the Closing Date)and divide byy thatotal run bar o`Gays inthe billing period.This gives M a!art cerlain promotional offers Prey tale away the grace period on purchases.Otte promotional offers,in us the dance Subject to Finance Charfja for that f�lance.We figure a portion of your finance charge on adddiontallolnberest0%and Equal Payment Plan offers,may also allow you to hire agramperiodonpurchases tier tons subjed to this calculation method by mult'plylliti;the applicable monihy periodic ratefa that balance without having to pay all or a portion of the promotional balance ty the due date.0 either is the case,the bythe Balance Subject to Finance Charge(including newiransadieos), promotional otter will describe what happens, •AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTIONS}Method K.If the periodic rate listed in BiWNG RIGHTS SUMMARY.In Cause of Errors or Questions About Your Bill.11you think your bill is the Finance Charge Summary Section M this st temend is followed by a'1C,we use the tollodvmg calculation wrog,or it you need more information about a transaction m your bill,write us at the Billing Errors address on method.To gat the Balance Subject to Finance Charge for each balance(e.g,each putdhase subject to promotional this statement as soon as possible.We must hear ham you no later than 60 days after we send you the first bill on terms,other regular revolve credit plan purchases and other major purchase plan purchases)we take the beginnig which the error or problem appeared.You can telephone us,but doing so will riot preserve your right. j balance for eel balance every day and subtract any credit or payment credited as of that day and any unpaid In your letter,give us the billowing information: r finance charges We do not add in any new ptrdtases.A credit balance is treated as a balance of zero.This gives •Your we and account number. us the daily balance.We add qh all the daily balances lot the billing period(induct ngthe batarKm m the Closirg •Tfine dollar amend ofthe suspac�ernot. Dale)and divide by the local number 0i days in the billing period This gives us the Balance Subject to Fiance • bribe the ens and explain,if you can,wiry you believe there is an error.If you mead more into iDn, C haige for that balarm N'e figure a pgddon of your finance charge on harhsadions subject tolhis calculation daaibe the itemyou are unsure about.Please to sure all correspondence is silted by the:prinerycardholda method by multiplying the applicable monthly pedodfc rate for that tia'ama by the Balance Subject to Finance You do not lava to fay any amount In question while we are Investigating.But you ate still obligated to pay fie f Charge(excluding new transactions). fart of your bill that are nol in question.While we investigate your question,we carmd nRai you as delinquent n AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS}Melhed L.t the periodic rate timed in on fie d' uted item a lake any adim to col'et the amount you question. the Finance Charge Surmsry Section of this staternert is followed by an'L•,we uses the tallmvmg calculation Special Rule for Credit Card Porehas ts.Kyou have a problem with the quality of goods or services that you method.To get the Balance Subject to Rnance Charge la each balance(e.g,each purchase subject to promotional purcrased with a credit card,and you has tried in good faith to correct the problem with the merchant,you may terms,other regularreialve credit plan pffc;rases and other major purchase plan purchases)wetalethebeginning not hays to pay the rerrnaining amount due on the goods or services.You have this protection only when um balance tar that balance everyday,add any new purchases,and subtract arty credit or payments credited as of that puraase price is mesa tan$50 and the purchase Is made In your home state a wtthln 100 miles of your maiilmg j day and any�Undpuaida finance h dally 1e the is treated as a balance of zero.This gives us the dally address.(0 we own or ope•ate the merchant or ffwe mailed you the advertisement for the picpery a services,all P Y billing period(Including the balances on the Closing Dale)and purchases are covered regardless of amount or location of purchase.) h KEY CREDIT TERMS—NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS%$299 Minimum Purchase Required.Minimum Paymelds Required.Interest will be charged to your a0Cwt from the purchase dale If the purchase balance(including premiums for aptlenal credH Insurance)Is not paid In full within 6 months or H you make a late payment. "YYtth credit�pn oval for qualifying purchases made on The Home Depot or EXPO Design Cerder Consumer Credit Card.Foraccounts In good standing,APRs up to 26.99'/.Penalty APR up to 29.9996 (rates may v iryJ.Minimum INTEREST CHARGE:$Z.Lower rates may apply.See card agreement for details including when the perta0y rate applies.Offer is onty valid for consumer accounts and is subject to change without notice. OIIPORTANT PffMELT INSTRUCTIONS. i PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Credit"Payments.We must racelve,your nailed payment in proper form at our processing facility by 5 P.M. •Online Payments.Visit myhomedepotaccourt,com and sign up for bee online payrnerts.EmoL'med may tale local time there.t we do,t wi t to credited as of that day.(Please refer to the top right hard comet an the front of a law days t we receive your request to make an on the payment by 5 pm.Faslem time,we will iedt your payment your staticirm for processing facility time zone.)A payment reoeived at the processing laaf iry in proper form after as of that day and It will post within three business days.II we receive your request to make an mlme-paymcrt&I that time will be credited as of the next day.AI low 5 to 7 days for payments by regular mat I to reach us.Niamey 00 time,we will credit your paymWL as of the red day and A will post within three business days.For security be a delay of op to 5 days in rxadding a payment we receive that is Trot in proper form at is nut sent to the correct reasons,you maybe unable Iq pay your en ire New Balance with your first online payment. address.The correct address fore phaymadsentbyregular mail is the address listed on the mWmemdop¢arm *pay by Phone Service.You my me bill;sainAce any time to make a payment by phone,Ifyciar account is eligible. the hid of the payment coupm.A payment made in-store is not sent to the correct address The comet address You will be charged$14.95 to use this service.Cal by 5 p.m.Fastam time to have your payrtsdt credited as of that for a payment sent by courier or express mail is the Eigi ess Payments Adddres shown below. day and pasted within three business days If you all after tint time,your payment wl fi be credited as of erne rend day Proper Farm.For a payrnent sect by mail or courier to be in proper form,you must art posted within three bisiress days We may process Your payment elec tranicaly aller we verify your Identity. • Enclose a valid cbed;or money order made payable lo Nim Depot Credit SerAm&No cash,git cards, .Express Payments.You can send parent by courier or express mail to the Express Paywrits Address: or foreign cu ensyplease. Customer Service Center,Afmntion:Payment Mat Operhing,8725 W Sahara Ave.,Las Vegas,W80117.Paymeml • Include you name and account number onthe from d yam check of money order mist be received in proper form at the proper address by 5 pm.I mi ie time to be credited as of that day.All H yon seal an eligible cheek with this paymed Coupon,YOU 111110Hee us to Complete your payments received m proper fim'at the proper address a',arthatfime will be credited asal tie red day. payment by aleet ioajs debit.It we do,the¢hacking atcam►t will be debited in the amount on the •Is Sim Payments.For your added corivenience,payment an be made at Tie Homer DepoP scores with no cheek.We may do this as soon as the day we receive the check.Also,the Shed will be destroyed. service fee.Ptyments mace at the smre prior to the store closing time will be posted to you account as of than day Copy Fee.We charge 85 lot each copy of a billing SMewm that da-m bacc 3 months or more.We add the In but availability may be sub)edto verification of turills. to a balance aiour choosing.We reserve the right to add this fee to balances subjedioa higher annual percentage REPO FIT A LOST OR STOLEN CARD IMMEDIATELY.You may call Customer Se rvice 24 hours a day, rate.We waive fine in t your request[or the copy relates to a billing error or dxspub d purchase. 7 days a week. i HO/EX FER10 Page 2 of 4 i c i Account: '*** **** **** 5439 TRANSACTIONS Trans Date Description Reference# Amount FEES 031" LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD $ 39.00 INTEREST CHARGED 03'12 Interest Charge on Purchases $ 108.53 TOTAL INTEREST FOR THIS PERIOD $ 108.53 ANNUAL PERCENTAGE RATE on the account: 29.99%** "The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic interest charges imposed this billing period on all balances on which interest charges were imposed.If the'ANNUAL PERCENTAGE RATE on the account'is WA,no interest charges(after adjustments)were imposed this billing period.Interest charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional after.Reierto the corresponding APR for the APR that applies to each balance. INTEREST CHARGE CALCULATION Your Annual Percentage Rate(APR)is the annual interest rate on your account: Revolving Balance 29.99%(M $4,261.34 $108.53 �Z co Z Z ED Z cD 1 co Z M v Z V Z 10 Z O I o Z O Z N Z I Z Z Z Z Page 3 of 4 Account: **** **** '**' 5439 y . c5c5 - r` - x-. Your nerc stament C:Iearcnc� Ea � to::`read Statements!are;wnHer9,In eve.ryday;language t}iatyou'Il be a61e fo read and uneier tared:They shotidyou ezactiy how.much;you've:': spent,:hdW much�ou.owe,when you awe it and:how long it will take you to pay it off;< '; Concise::: -The irtlormation Is;bucketed:,lntbsections that rneke it,easyaD,t 'd:wahat you're_locking for:.°end_is Written in no. ar,by ay East tb react PJofanty are the:words them selves.easier;to:understand;.'ttis�?ce.in alarger,and'easlerAd read:.type.face..::,;; ; .,Ldp 'W''ff 3BFF'd' P= --,w '_WW sw Arm ORN "»TW AE .7.W amw jWU aw AM& A s haves i0w MW siw /ERA arm a= mW 0 i Summary of Account Activity I Monthly account activity-payments, credits, fees, and interest charged Transactions Account Number/Contact Information See clearly the activity that Payment Information occurred to create your monthly Your balance, minimum payment and due date balance: purchases, payments and credits, fees and interest Payment Calculator for the billing period An estimated time it will take to pay off your balance when making the minimum payment and how much you should pay each month 3 Promotions Section to pay off your balance in 36 months Customer-friendly summary so you know how your balance Rcxaurrt Sf®terrl2ryt was calculated and how your payments are applied. ► uN Muab.n 1294 SM 20129956 Promotions are also listed 9.11757ar w DacoDrir.; " Paymsntmrmmaum in the order of expiration " �°'" `'"`''"`''"' 499.99999 Nev861e ce �9.sssass �- < 4G098 929.99 1.9ii 1 Due -"BBB BB. OMrer p!egls ._ 39.999.989.99 Peyrti2nt Uu�mUa�................... MonIh.DD,... si;... pu-I ebe9,,s. a'S9,�898,888.99 laL(kyr�dSY.rnlr.2:M we eo not r.aiwn�vw 'ri aat Fe!!lTeigLM ... .39 D,89pB9S9 IVs aW2 B2:a0 ebow,you may Does b Day o lam Ne Ip b S9DD0. „� IrN9rtrR ed 99,989.99 r►d r r„sat tDvNYp:n'No nde onb me Mranna,,r ,,,M New Ba'aruu3 .-$Q999 999.99 eaDhpSyp�yo0 Nrl Pal rrste h l6oreot sn0 weN raw you bnlpr w Bay al(/our'haloro.w�mPV: ., Put Due Arnclri 59 B9B,999119 If yyoouu make no ad9�one1 N'°u n el ax:1 Ard yvu wi. f, M.e r]IYr9F2 Jdr�p brN ta7. bakres oh 2b'sh W P�'G Orem U.11 ID YDS: u 59994999.99- ' morah Y�Wy=.;'M�iwit iephct_';'er c.Taibd Imal ± Ortlmo bvmnum pu^ncm I Ws2,esa.B2e t63 Available Credit f $9:999 99 5222A2BR ° S66emera Cbs Dale . -�SBBS 9yeoa - r Nc4 Slslornan Cloaft Dole {AFAR3d - �' MS p�Y_ �,ppGtA Cia Wr11pApEF pL11MBMG IQTCH W ._..; ,( c OEFr1r �aip'f AND F,�yrypx� - - _ •� _ YM1R D.c_C,:�AKiHt^^ItlWD7!�yyYM�d+�' - _ G ` i1AOrPrI�rn2r N AM yYAt�'%iR � ` E,1 tTf' BANA6ANYWIW` ,.,�,_, MYir�if ZfInNC9CJ� _ _ _ WDO _AM FEE FFF 1FORli�6 - UMM8111FRIOERSE SIDE FOR MPORUW RO MIATIGA N b-"ikbmsaa r.—M D�xclq,NA F�� r� NB'B� }u�T"� y - u IN OdO97 TaIE MVlhlif�liE f � . =PPDUU y7b9anECi+ ,,ea.r C arklw�-sonu.a �,a,„rF„a,"rtl�'°�eo..a f ' 4,,.,u,.si +•o'� rye .r.�MtW.*°°�°""F"°"°"mva:yy�i?! ' krurrRi -l1RU Original Transaction Amount m pnRroycrar 9F10+p aROYUx,ag„n rdpurtG7D6m7+r r:steD. �;S,g8,�2v;9,c:2A2®?2D3S2S.s °?a,°,7`°=: ,.. y .9w s:-�ds2,92a2A?iA:'i�.sesa9s';`arw._i i r t i Allows you to reference the e DYY original purchase amount �Z i "a + p°°sDA2 eiDaoro+! ' o+ -." aDy9�,D92.sD .. New Promotion Balance 29_ .....�. _=-_ �y9ss2»De� ... Keep track of the amount *ilr•-0+ .:. '::.. ..... 9B/.99%9R1. ..... y9a22aD� of the motional s2 yD. purchase which remains u npaid P 1.111.03 Page 4of4 Account Statement Send Notice of Billing Errors and Customer Service: \y Customer Service Inquiries to: myhomedepotaccount.com HOME DEPOT CREDIT SERVICES or 1-866458-7683 PO BOX 653000,DALLAS TX 75265-3000 Account Number: 3439 Mailed payments must be received by 5:00 PM at the Summary of Account Activity Payment Information address for paymerds by the payment due date. Previous Balance $4,351.62 New Balance $4,502.95 Payments -$0.00 Minimum Payment Due $1,115.00 Other Credits -$0.00 Payment Due Date May 09, 2010 Purchases +$0.00 Late Payment Waming: If we do not receive your minimum payment by the Fees Charged +$39.00 date listed above,you may have to pay a late fee up to$39.00. Interest Charged +$112.33 Minimum Payment Warning: If you make only the minimum payment each New Balance $4,502.95 period,you will pay more in interest and it will take you longer to pay off your balance For example Past Due Amount $918.00 3uwitkiay�fftha. Atadyccfw�l : ,� 'c`har��5�tst`hi�,�i{s caul:"`. �ajage�srady>at7��lktts. �Lid:lr ,payklg ark ; eachnoflCenfn a t?stkX7faioa#s+f Credit Limit $0.00 - Available Credit $0.00 Only the minimum payment 23 years $12,318 Statement Closing Date 04/12/2010 $191 3 years $6,881 Next Statement Closing Date 05/13!2010 (Sa vings=$5,437) Days in Billing Cycle 31 If you would like information about credit counseling services,call 1-877-337-0103. To avoid interest charges pay$4,502.95,plus any promotions SAVE STAMPS, Register now for Paperless expiring this period,b 05/09/10 residual interest may I TIME... Statements and more at xP 9 P Y t YaPpY) AND TREESI myhomedepotaccount.com Your late fee was based on an account balance of$4,351.62,which was your account balance on the late fee transaction date. Z TRANSACTIONS o z Trans Date Description Reference# Amount �Z FEES N z 04109 LATE FEE $ 39.00 Z TOTAL FEES FOR THIS PERIOD $ 39.00 cri oo°Z Z Z I Z Z Z Z NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pagel of 4 This Account is Issued by Citibank(South Dakota),N.A. ----------------------------------------------------------------------------------------------------------------------------- +Please detach this portion and return virth your payment to insure proper credit. Retain upper portion for your records.d' M, Your Account Number New Balance Payment Due Date Past Due Minimum Amount Amount Payment Due Enclosed 3439 $4,502.95 MAY 09,2010 $918.00 $1,115.00 $ Make Checks Payable to: Use The Card. Do More. HOME DEPOT CREDIT SERVICES More ways to save coming soon _. '3439045029500100000111500104 KBAVHDi 2 4AId0 0A r r l r l r l l l l I r r l r r r I l r l HOME DEPOT CREDIT SERVICES III �I �I I I�I� ( I l l l l I 1�II rl 1I I I PROCESSING CENTER OD rn JUSTIN BARDER DES MOINES,IA 50364-0500 606BST IIIrrIIi�I�IlIIrlJlllrl�l'��'�'III'I�IIIIIrIIrrl��trllllllrl�� ENOLA,PA 17025-16011 Print address changes above in blue or black ink. Information About Your Account divide by Me total number of days in the bilking period.This gives;hs the Balance Subject to Finance Charge -YOUR ACCOUNT IS ISSUED BY CfTiBANK(SOUTH DAKOTA),NA. Ior thri balance.We figure a portion of your tinance charge on transactions subject to this Calculation method by multiplying the applicable mon`Jdy periodic rate for that balance by the Balance Subjedto Finance Charge •BALANCE SUBJECT TO FINANCE CHARGE (including newtramaiors). •TWMCLE AVERAGE DAILY BALANCE(INCt.U01NG NEW TRANSACTI01S)-Method C. II the AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTIONS}Method M. t the periodic rate periodic rate listed m the Finance Charge Summary Section of th s statemen is tDllowed by a'C'.we figure a listed in the Finance Charge Summary of this satement isfeliowed bean 742,we use the following calarleliOn portion ofts finance charge on your acccunt each day by multiptyirg the dailybalance for each baance(e.%,each method.Wecafalale periodic financedhagesseparately tot each ba'ance.B2lances include regular purchases purchase subject to proadioral terns,other regular revolve aedt plan a and other Initial purchase plan and ditarard promotional balances.To get a daily balance.we start with the balance as of the end of the Victim)by the applicable daily periodic rate.We do this Each day of the billing period•including the Closing previous day.We aid any periodic linarex charge on the previous days balance.(This results in daily Date.In addition,Ion each balance,we murdply the daily balance for each day of the previous billing period by the compound Ong of finance charges.)We add any new charges.We then subli ad any new aedds or payments and applicable dally periodic r ate,unless youraccourd was Credited far the amount required fo got the grace period on male other adjustrrer ls.A audit balance is treated as a balance d zaro.We figure the periodic fmra charge purcases(described below in the section etdiUed the Grace Period on Purchases)or a periodic finance charge by mullplying the daffy balance by da dally parfodic rate.We do This tot each day in the builI5 period The vas already billed on that balance.To gal the daily balance,we take the beginning babrim for each balance every .Balance 5ubjec to Finance Charge Is the average of the daily balances during the billing rrbd.I,yDu multiply dog add any new purctrasas,tees and any firarvne carpe on the previous days balance,subtract any credits or [his figure for each balance by ils daily periodic rate and by the number d rays in the bi ling periA the result ppzzyymneeats aeditd as of that day,and make other adjustments.A credit balance s treated as a balance of zero.The Is the total pperiodic finance charge on't hat balance.Rounding may cam a small(fiferenm h ces Subject to Finance Charge:are the averages of the respecifive daily balances during the applicable billing FROM OTI MS.We may aria;you pranalionaltaasforaliora pal ofarry balances.Any promolional farm may periods If you muhplpp the cumord Cycle Baance Subjrct to Finance Charge by the number ot days in the billing apply for a limited period of time.Ttny will be Waited by the terms of the promotional offer and your Card b period and by the appricabte daily periodic rate,and ybu mutipry the previous..gde Batarue SLOjed to Finance Agrr nDnt They may include the No Interest,0%,and Equal Payment Plan offers described below.Your 1 Charge(t currently subject lea manoo charge)by tho nomdar of chys in that billing period ond bythe applicable promol"ronal terms may end ih you default under the(and Agreemord boas you do not make the minimum daily periodic rate,and add those two figures togelher,the result roll be the prfodic inance charges assessed fa payment when due,go over the crdh tine,or make paymartto us Thal rs not honored. that balance,except for mirror variations caused bq rounding •No Interost.A'o finance cars will be Imposed on this balance i1 you pay the balance in full ty,tii end al AVERAGE DAILY BALANCE((IHtxl1DING NEW iTtAUSACTIONS)-Meliod H.Y th periodic tale fisted in Bre promotional period.Wow II Impose finance charges on Btis balance d you do not pay the balance in full l the Finance Charge Summary Section of this statement is followed by a'H',we figure a portion of the finance by the end of the pmarr ional period or the promoticxal terns are temhinAcd We will impose these fin= i Charge on youraccount each day by multiplying the dally balance for each balance(e.g.,each purchase subject to charges from the date of purchase until the balance is paid In full.The promotional offer will spiecilythe promotional tams,other regular revolve credit plan purchases and Dtnr major purchase plan purchases)by The amount of arty minimum payment required on this balance. F applicable dallyperlDdicrate.Wedothis eachdayofthehltingperiod,includinglheGasingDate.Togelthedaily •011.No firiarice charges are irnfictsed on this balance during the promotional period.The prandiianal offer balm,we taltethe beginning balancefor each balance every ohay,add any new purc`hses and arty finance charge will speciy Iheamount of arty minimum payment required on this balance. on the previous days balance,suboact any cied'as or payments credited as at that day,and mire other •Equal Payment Plan.This balance will be repaid in equal minimum payments The promotional ai"ll adjustments.A oredrt balance is treated as a balance of Zero.Tire Balances Subject to Finance Charge are the speedy the amount at the minimum payment required on this balance. averages of the respedlve daily beian ces during the billing period.If you multiply this figure lot each balance by (LASING DATE.At our discretion,this statement may include charges,fees,and payments on the Casing Data. the number of&lays in the biting period and by the a ficable daily parodic rate,the result will be the periodic GRACE PERIOD ON PURCHASES_You can avoid periodic finance charges on purchases.This is cztedagrace finance charges assessed for that balance,except fm minor variations caused by rounding. period on purchases.The grace period is at least 20 de}a To got the grace period on jwmiuzses,pay the bllow ng y AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTiONSI-Method 1.It the pededre rate listed in amourds by the due date every billing period: ' the Finance Charge Smurnary Section of this statement is followed by an 1•,we use the following caladalon •the New Balance,less any No Interest.0%and Equal Payment Plan balm that expire after the payment method.To get the Balance Subject to Finance Charge far each balance(eg.esch purchase subjed to promotional due date,plus terms,other regular revolve aedt plan purchases and other major purchase plan purchases)via take the beg on ing • the minimum monthly payments required for your No Interesk 0%.and Equal Payment Plan balances that balance for that balance every day(nduding finance charges imposed in prevfot s;btfirg periods).add any new expire after to paymer�idie date. r pure ases,subtract any credits or payments Credit as o`thal ray,and male other adjustments A ae6t balance If you do not you wi8 not gel a grace period unless you pay the above amounts by the due date tot tale billing f is tratd as a balance of zero.This gives us itte raiy batanhce.We add up all the daily balances for the billing period periods in a row. (including the balances on the Closing Date)and divide by bhetota number of days in the billing period.This gives In adddion certain promotional offers may take away the grace period on purchasas.0t1Cr promMianal offers,In ' us the Balance Subject to Finance Charge[or that balance.We figure a portion of your finance charge on addlcombNo Interest 0%and Equal Paymerd Plan offers,may also allow you to have a grace period onpurchm transactions subject to this Calculation method by mull+pying the applicable monthly Wadi;rate for goat balance withal having to pay all of a portion of the promotional balance by the due dale.N ethher is the case,toe by ft Balance Subject to Finance Charge{including new trarsadtons} promotional after will descnbe what happens, AVERAGE DAILY BALANCE(EXCLUDING NEW TRANSACTiONSYMBIlhod K.If Qaperiodic rate listed in MLLINR RIGHTS SUMMARY.In Case of Errors or amesti ons Attain Your Bill.If you think your bill is the Finance Chase Summary Section of this statement is followed by a'M,we use the tolladving calculation wrong,or it you treed more information about a transaction or,your bill,write us at the Billing Etrors address on m athod.To got the Balar>ce Subject b Finance Charge for each balance(e.g,each purchase strbjedto promotional this statement as soon as possNe.We must hear ham you no later than ED days after we send you the first bill an terms,otlur regular revolve credit plan purzteses and other major purchase plan purchases)we take the beginning which the error or problem appeared.You can telephone us,but doing so will nit preserve your rig hts. 1 balance for that balance every day and suhbad any credits or payments credited as of ghat day and any unpaid In your lather,give us the following information: firm charges.We do n DI add in any new,purchases.A credit balance is treated as a balance of zero.This gives •Your name and aabund number. usthe daily balance.We add rap all the daily balances lit the billing affect(including the balances an the Closing •The dollar amount of Roe sus�led error. Date)and divide by the total number of days in the billing period 9-s gives us the Balance Subject to Finance •Describe the error and explan,'rfyou can,why you believe there is an error.If yiru need more infonration, _ Change for that balane We figure a Italian at your finance charge on bansaciors subject to this catculalion describe the item you are unsure abouL Please besure all Comespanden>ce is signed by ft prineryc3in%older. u method by mulGplyhg the applicable monthly periodic rate for that ta'ance by flit Balance Subject to Finance You do not have to pay any amount In question while we are But you are slit]obligated to pay the {urge(excluding new transactions). parts of yDui bill that are not in question.While we investigate your question,wit carnal repr it you as delinquent r AVERAGE DAILY BALANCE(INCLUDING NEW TRANSACTLONS)•Mathed L.If the periodic ae listed in on the d'ispubd item or lake any ad ion to cot!ed the amomi you queslion. t the Finance Charge Summary Section at this statement is followed an'L',we use the following calculation Special Rule for LYeilt Card Parehases.tyou have a problem with the quality of goods or services that you mdhd.To got the Balm Sub-ind to Finance Charge la each balance(e.g,each pwc base subjed to promotional purled with a credit Card,and you haw tried in good faith to coned the problem with the nerd scat,you may terms,otherregalarRVelveaedgplanpurchasesandDiffermajorpurdaseplanpurcfhases)rrtakethebeginning not have to pay the remaining amount due on the goods or services.You have this protection only when the belarcz lot that balance every day,add any New punbase%and subtrad any crdIts or payments credited as of that purteriase of Ice Is more tl>ar W and the purchase Is made In your home slais or within 100 miles of year mail Ing day and Eny unpaid finance danger A alit balance is treated as a balance of zero.This giver us the daily address.Of%e CM or ope!&the merchant or If we nailed you this advertisement for the properly or services,all balance.We add up all the dally balitnees for the billing period(including the balances on the Closing Date)and purchases are covered regardless at amount or location of,purchase.) KEY CREDIT TERMS—NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS'.$299 Minimum Purchase Required.Minimum Paymeais Required.Interest Will be charged to your account from the purchase dale 11 the purohse balance(Including premiums for optional creiR Insurance)Is not paid In full Within 6 months or N you make a late payment. --Mth credit approval for qualifying purchases made on The Home Depot or D(PO Design Center Consumer Credit Card For accounts in good standing,APRs up to 26.99%Penalty APR up to 29.99% (rates may vary).Minimum INTEREST CHARGE:$Z Lower rates may apply.See card agreement for dittails including when the penalty rate applies.DBer is only valid for cratsrmlor aocounts and is subW lo change vrithoul rrohce. NPORTANT PAYMENT iNSTRUCTIONS. PAYMENT OPTIONS OTHER THAN REGULAR MAIL. Credftinl Payments.We must receive your rtaited payment in proper form at our processing Facility by 5 p.In. •online Payments.Vlsh myhomedepotaccountoom and sign up for free onfine payments.Emollment may tale local time there.If we do,it V II be Credited as of that day.(Please refer to the tap right hand comer on the front at a tuwr days.If we receive your request to make an unrest paymard by 5 p.m.Eastern time,we wall credit your p2ymerd yourslatementfotprocssingfacilftytirnezore)Apymr ntreceivdAftprocessingaciliyinproperformafter as of lhatclay and ill will post within three busiiess days.11we receimyour request to make an online paynnientakor that time will be credited as of the next day.Allow 5 to 7 days for payments by regular man l to reach ors Thee may that time,we will credit your payment as of the next day and it will past within three business days.For sceuriy be a delay at up to 5 days in ridding a payment we receive that is riot in proper form m's mat sextet to the cotred reasons,you may be unable to pay you erdire New Balance with your first ordine payment. address.The correct address for a payment sart by regular mail is the address listed on the realm crivelope or on .Pay by Pit oneSentlto.YoumayusethisseMce arrytmefortakeapaymerd byphone,lfyDuraanunt Ls eligible. + the front of Ure payment coupon.A paymeal made to-slate is not sent to the Correct address The mrred address You will be charged$14,95 to use this service.Call 5 .m.Eastern rune to have your tar a paym ni sent by surer a express mail is the Express Payments Address sham below. l a P yo paynant aedTd as of day day and posl0d within three business rays m you all after that Gros,your paymhact all t be crh'ffdd as 6 Ne nuext day Proper Farm For a paymed sad by marl or couti or to be in proper farm,you must and posted within three bustress days.We may process your paymerd electronically alto we verify your Ideddy. • Enclose a valid check,or money oreler made payable to Nome Depot Credt Services.No casts,gift cards, .Empress Payments.You an send psynherd by courier or express mail to the Express Pa, rids Address: or foreign currency pine. r Customer Sendee Caukr,Attendant Payment Mail Opening,8725 W.Sahara Ave.,Las Vegas,11V89117.Payment • Include your name and account number an ftre horn d your chacllk or money order must be received in proper form al the proper address by 5 pm.Pacific time to be audited as of that day,All N yon semi an eligible cheek With this paymeol.eoupon,you authorize us to complete your paymertisnecew'ed inpr operiarr'atthepropaaddressaRerthhart innewill becedibdas ddhEneidday. payment by eledbienic debit It we do,this eheddng mount will he debited in Me amount on the •it Slone Payments.For your added convenience.payments can be made at The Home Depot'e stores with no cheek.We may der Iris as soon as The day we recebre the cheek.Also,the check will be destroyed. service fee.Payments made A the store prior to the store closing firm will be posted to your amount as of that day Copy Fee_We charge$5 for each copy of a billing saternerrl that bates bade 3 months of more.We add the tee but avallabllly may be sub�d to verification of furl. to a betaince of out choosing.We reserve this fight[a add this fee to balances subjactio a higher annual percerlage REPORT A LOST OR STOLEN CARD fMMEDUaM.You may call Customer Service 24 hours a day, h rate.Wit waW Dre fee t your request for the copy relates to a billing error or disputed purchase. 7 days a week. HDIEXFER10 r I Page 2of4 l Account: **** **** *'** 5439 TRANSACTIONS (cont.) Trans Date Description Reference# Amount INTEREST CHARGED 44/12 Interest Charge on Purchases $ 112.33 TOTAL INTEREST FOR THIS PERIOD $ 112.33 ANNUAL PERCENTAGE RATE on the account; 29.90%- "The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic interest charges imposed this billing period on all balances on which interest charges were imposed.It the'ANNU.AL PERCENTAGE RATE on the account'is N!A,no interest charges(after adjustments)were imposed this billing period.Interest charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Referto the corresponding APR torthe APR that applies to each balance. INTEREST CHARGE CALCULATION Your Annual Percentage Rate(APR)is the annual interest rate on your account. F�+pe3at :;- ettt9n + sttatlfetrtet. #far. RevoMng Balance 29.99°l(M) $4,410.70 $112.33 Z m Z o Z rD Z co I rO Z N V Z C Z Wz O I o Z O Z N Z Z Z z Z Page 3 of 4 Account: **** **** **** 5439 Page 4 of 4 Account Statement Send Notice of Billing Elms aril Customer Service Ingtaries to: Customer Service: HOME DEPOT CREDIT SERVICES V myhomedepotaccount.com PO BOX 6530 ,DALLAS TX 75265-300D ® Account Inquiries: lcct'iunt Nifrrtbet t 5439.. 1-866458-7683 1 Mailed payments must be received by 5:00 PM at the Summary of Account Activity Pa ment Information address for payments by the payment due date. Previous Balance $4,502.95 New Balance $4.658.22 Payments -$0.00 Minimum Payment Due $1.317.00 Other Credits -$0.00 Payment Due Date June 09,2010 Purchases +$0.00 Late Payment Warning: If we do not receive your minimum payment by the Fees Charged +$39.00 date listed above,you may have to pay a late fee up to$39.00. Interest Charged +$116.27 Minimum Payment Warning: If you make only the minimum payment each New Balance $4,658.22 period,you will pay more in interest and it will take you longer to pay off your Past Due Amount $1,115.00 balance For example 31' r1c+��gonaF 1�szt�ay�sf��ha� ,At�d- �v�itl chartta�` s yard 13a�artslaoy!n b�ttlfs exad Ur pay8g art rt; Credit Limit $0.00 ty'or, a �tt � _eir�eftt if amt,-; estitrsafe � Available Credit $0.00 Only the minimum payment 23 years $12,354 Statement Closing Date 05/13/2010 $193 3 years $7,118 Next Statement Closing Date 06/11/2010 1 (Savings=$5,236) Days in Billing Cycle 31 If you would like information about credit counseling services,call 1-877-337-8i8a. Your minimum payment due is$1,317.00.To avoid interest charges,pay your U.'VE STAMPS, Register now for Paperless revolving balance of$4,658.22,plus any promotions expiring this period,by J TE"M.- Statements and more at June 9,2010(residual interest may apply). .�� ANDTR;EES! tf'}rhomC'.0 epatact-ount com Your late fee was based on an account balance of$4,502.95,which was your account balance on the late fee transaction date. 0 Z TRANSACTIONS oZ Trans Date Description Reference# Amount y Z Z FEES Z 45/09 LATE FEE $ 39.00 Z TOTAL FEES FOR THIS PERIOD $ 39.00 co m I o Z C? Z Z Z Z Z Z NOTICE:SEE REVERSE SIDE FOR IMPORTANT INFORMATION Page 1 of 4 This Account is Issued by Citibank(South Dakota),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. "'Y- ActautttJ tfttf bet Payment Due Date New Balance Past Due Amountt Minimum Payment Due Amount Enclosed 539 June 9,2010 $4,658.22 $1,115.00 $1,317.00 $ Use The Card. Do More. More ways to save coming soon! 5439046582200100000131700100 KRAVHDi 2 Srt1110 0A r� HOME DEPOT CREDIT SERVICES "' ' '�I��III'�II��'�Illl��ll�ll�lltlllt�t�t�l�lll�l�lllrl�lllltll PROCESSING CENTER JUSTIN BARDER DES MOINES,IA 50364-0500 606 BST tllirlltlt�tll�tltlllltl�lr�lt��l�ll'I�III'Lllftl��ttllttllt�� ENOLA,PA 1700-16501 Point address chances above in blue or black ink Information About Your Account. How to Avoid Paying Interest on Purchases.Your payment due date is al Credit Reporting Disputes.If you think we reported inaccurate information to least 25 days after the close of each billing cycle.We will not charge ou any a credit bureau write us at the Customer Service address shown on the front. 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 Report a Lost or Stolen Card Immediately. Call the Customer Service New Balance in full by the payment due date,you will not et a grace period on number shown on the front purchases until you pay the New Balance in full for two bi ing cycles in a row. What To Do If You Think You rind a Mistake on Your Statement If you have a balance subject to a deferred interest,0%APR or Equal Payment If you think there is an error on your statement,write to us at the Customer Plan promotion,that balance is excluded,except for a deferred interest,0% Service address shown on the front. APR or Equal Payment Plan balance in a billing cycle in which the promotion In your letter,give us the following nformation: expires before the payment due date,(the"excluded promotional balances') 1° i g from the amount you must pay in full to et a grace period except for any • Account information:Your name and account number, separately required payment on that balance. In billing cycles in which • Dollar amount:The dollar amount of the suspected error. Payments are allocated to deferred interest balances firs..,the deferred interest a Description of Problem:If you think then:is an error on your bill,describe balance will be reduced before any other balance on the account However, what you believe is wrong and why you believe it is a mistake. you will continue to get a grace period on purchases so I as you pay the You must contact us within 60 olio after the error appeared on our statement. New Balance less any excluded promotional balances in full me payment Ys PPe Y due date each billing cycle.We may refer to deferred interest promotions as No You must notify us of any potential errors In writir: ,You may call us,but If you Interest promotions. do we are not required to investigate any potent..9 errors and you may have to pay the amount in question. In addition, certain promotional offers may take away the grace period on While we investigate whether or not there has been an error,the following are true: purchases.Other promotional offers not described above may also allow you to . We cannot try to collect the amount in question,or report you as delinquent have a grace period on purchases without having to pay all or a portion of the on that amount promotional balance by the payment due date. If either is the case, the . The charge in question may remain on your statement, and we may promotional offer will describe what happens. continue to charge you interest on that amount But,if we determine that How We Calculate Your Balance Subject to Interest Rate. For each we made a mistake,you will not have to pay the amount in question or any balance,the letter following the Annual Percentage Rate in the Interest Charge interest or other fees related to that amount. Calculation section on the front of the statement indicates the method we use o . While you do not have to pay the amount in question,you are responsible calculate interest charges.For Methods C,H and M,we use a daily balance for the remainder of your balance. method ((including current transactions) to calculate interest charges. For • We can apply any unpaid amount against your credit limit. Methods 1 and L,we use an avers a daily balance method(including current transactions)to calculate interest charges.For Method K,we use an average Your Ri hts if You Are Dissatisfied With Your Credit Card Purchases daily balance method (excluding current transactions) to calculate Interest it you are dissatisfied with the goods orservices that you have purchased with charges.To find out more information about the balance computation method your credit card,and you have tried in good faith to correct the problem with that applies to your account and how the resulting interest charges were the merchant,you may have the right not to pay the remaining amount due on determined,contact us at Customer Service number on the front the purchase. Promotions.We may offer promotional terms for all or a Dart of any balances. To use this right,all of the following must be true: Any promotional terms may apply for a limited period of time. They will be 1.The purchase must have been made in your home state or within 100 miles governed by the terms of the promotional offer and your card agreement They of your current mailing address,and the purchase price must have been may include the deferred interest(also called No Interest),0%APR and Equal more than M.(Note:Nefther of these are necessary if your purchasewas Payment Plan offers described below.Your promotional terms will end when the based on an advertisement we ma led to you,or if we own the company promotional period expires or,to the extent permitted by law,if you make a late that sold you the goods or services.) payment.The promotional offer will tell you if we require a separate minimum 2.You must have used your credit card for the purchase.Purchases made payment on the promotional balance. with cash advances from an ATM or with a check that accesses your credit • Deferred Interest.No interest charges will be imposed on the deferred card account do not qualify. interest balance'rf ou pay the balance in full by the end of the promotional 3.You must not yet have fully paid for the purchase. period for that deferred interest balance.We will impose interest charges If all of the criteria above are met and you are still dissatisfied with the purchase, on this balance at the APR for regular purchases from the date of purchase correct us in writing at the Customer Service address shown on the front. if you do not pay the balance in full by the end of the promotional period. While we investigate, the same rules apply to the disputed amount as • 0%APR. No interest charges are imposed on this balance during the discussed above.After we finish our investigation,we will tell you our decision:. promotional period. At that point,if we think you owe an amount and you do nut pay we may report • Equal Payment Plan. This balance will be repaid in equal minimum you as delinquent. payments. KEY CREDIT TERMS—NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS*.$299 Minimum Purchase Required.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. `With credit approval for qualifying purchases made on The Home Depot or EXPO Design Center Consumer Credit Card.For accounts in good standing,APRs up to 2639%.Penalty APR up to 28.99%(rates may vary). Minimum INTEREST CHARGE: $2.Lower rates may apply.See card agreement for details including when the penalty rate applies.Offer is only valid for consumer accounts and is subject to change without notice. Important Payment Instructions. Payment Options Other Than Regular Mail. Crediting Payments.If we receive your mailed yment in proper form at our -Online Payments.,Visit myhomedepotaccourtcom and sign up for free processing facility by 5 p.m.local time there,it will be credited as of that day.A online payments.Enrollment may take a few days.If we receive your request to payment received there in proper form after that time will be credited as of the make an online payment by 5 p.m.Eastern time,we will credit your payment as next da..Allow 5 to 7 days for payments by regular mail to reach us.There may of that day and it will post within three business days.If we receive your request be a delay of up to 5 days in cred itin a payment we receive that is not in proper to make an online payment after that time,we will credft your payment as of the form or is not sent to the correct ad�ress.The correct address for regular marl next day and it will post within three business days.For secur'�y reasons,you is the address on the front of the Payment w on.A payment made in-store is may be unable to pay your entire New Balance with your first online payment not sent to the correct address.The correct address for courier or express mail -Pay by Phone Service. You may use this service any time to make a is the Express Payments Address shown below. payment by phone,if your account is eligible.You will be charged 614.95 to use Proper Fpm.For a payment sent by mail or courier to be in proper fDrm,you must this service if a representative of ours helps eexxppedite your payment.Call by 5 • Enclose a valid check or money order made payable to Home Depot p.m. Eastern time to have your payment ter that as of that day and posted Credit Services.No cash,gift cards,or foreign cunen lease. within three business days. If you call after that time,your pa ant will be 9 g cy P credited as of the next day and posted within three business days.We may • Include your name and account number on the irortt of you check or process your payment electronically after we verify your identity. money order. •Express Payments.You can send payment by courier or express mail to tic- If you send an eligible check with this payment coupon,you authorize us Express Payments Address. This address is: Customer Service Center, to compVele yyoour payment by electronic debit, ff we do,the chatting Attention: Payment Mail Opening, 1500 BoRontield St.,Columbus,OH 43228. account will be debited in the amount on the check.We may do this as Payment must be recenred in proper form at the proper address try 5 p.m. soon as the day we receive the check.Also,the check will be destroyed. pacific time to be credited as of that day.A!I payments received in proper corm Copy Fee.We charge$5 for each copy of a bilfrng statement that dates back 3 the proper address after that time evil be credited as of the next day. months or more.We add the fee to a balance of our choo*,g.We reserve the right In Store Payments.For your added convenience,payments can be made at to add this fee to balances subject to a higher annual ercentage rate.We waive The Home Deppoots stores with no service fee.Payments mach at the stun prior J 9 P to the store closing time will be posted to your acxrount as of that day but the fee if you request for the copy relates to a bilfing error or disputed purchase. availability may be subject to verification of funds. HDIEX APR10 Page 2 of 4 Account: *'** **** **** 5439 TRANSACTIONS (cunt.) Trans Date Description Reference# Amount INTEREST CHARGED 05/13 Irderest Charge on Purchases $ 116.27 TOTAL INTEREST FOR THIS PERIOD $ 116.2T ANNUAL PERCENTAGE RATEon the account: 29.99°6" The'ANNUAL PERCENTAGE RATE on the account'includes all transaction and periodic interest charges imposed this billing period on all balances on which interest charges were imposed.If the'ANNUAL PERCENTAGE RATE on the account"is NIA,no interest charges(after adjustments)were imposed this billing period.Interest charges may be accruing on promotional balances and may be billed to your account under the terms of the promotional offer.Refer io the corresponding APR for the APR that applies to each balance. INTEREST CHARGE CALCULATION (ypx /Yoryryu}}rry Annual Percentage Rater.(APR)is the annual interest tale Cony your�apccount. Revolving 6alanoe 29.99% M 4� $4,565.18 $116.27 cG z Z o cD Z cD I CD z IV V z rh z c z O C)Z O Z ro"< z z z z z Page 3 of 4 Account: **** **** **** 5439 Page 4of4 Verification Trenton A. Farmer, Esquire, attorney for plaintiff, CITIBANK,N.A. , makes this statement on its behalf as to the truthfulness of the facts set forth in the foregoing Amended Complaint subject to the penalties of 18 Pa. C.S. Section 4904, relating to unworn falsification to authorities. Counsel,rather than an officer or other representative of plaintiff is verifying the foregoing Amended Complaint because plaintiff's officers and/or representatives are outside the jurisdiction of the court and the verification of none of them could be obtained within the time required to file this pleading. Plaintiff's counsel is verifying plaintiffs Amended Complaint based upon information and belief from information in his file. Date: 7 0 _----frefrton iK. F squire OF LU-,jj i IG 2113 JUL 10 AN 10. S `,UMSERLA O COUNTY PENNSYLVANIA Burton Neil & Associates, P.C. By: Trenton A. Farmer, Esquire ID.NO. 209422 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. 13-79 CIVIL TERM JUSTIN BARDER Defendant : CIVIL ACTION - LAW Certificate of Service I, Trenton A. Farmer, Esquire do hereby certify that I served a true and correct copy of the within Amended Complaint on defendant's counsel, Joseph P. Murphy, Esquire at his address of record via first class mail, postage prepaid on the date set forth below. Burton Neil & Associates, P G - Date: 7 � 13 By: Trenton armer, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector. C-43075 • IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 v. JUSTIN BARDER, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Filed on Behalf of Defendant Counsel: The J. Murphy Firm The Grant Building, 33rd Floor 310 Grant Street, #3309 Pittsburgh, PA. 15219 (412)521-2000 Joseph P. Murphy, Esquire Pa. Supreme Court I.D. 83120 F T. r-.'11RR�i.3J p� IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 v. JUSTIN BARDER, Defendant(s) CERTIFICATE OF SERVICE I, Joseph P. Murphy, counsel for the Defendant in the above captioned matter, do solemnly swear that the foregoing ❑ APPEARANCE RELIMINARY OBJECTIONS TO COMPLAINT ,4 BRIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT MOTION/REQUEST/PRAECIPIE FOR ARGUMENT were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below: Trenton Farmer Burton Neil and Associates 1060 Andrew Drive, Suite 170 West Chester, Pa 19380 pectfull Su. - itted, Jos °.;Murphy W ;-sday, July 24, 2013 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION CITIBANK, Plaintiff(s) Docket No.: 2013-79 v. JUSTIN BARDER, Defendant(s) PRELIMINARY OBJECTIONS TO COMPLAINT Now comes the Defendant, by and through counsel, the J. Murphy Firm, and Joseph P. Murphy, Esquire and bring(s) and file(s) the within Preliminary Objections to Complaint, averring in support thereof as follows: OBJECTIONS TO CONTRACT CLAIMS 1. The Complaint references a credit agreement or contract. 2. Although the Complaint references a credit agreement or contract, no copy of the agreement or contract is attached thereto. 3. The foregoing amounts to a violation of Pa. R.C.P. §1019(i). 4. Accordingly, the Complaint is the proper subject of preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform to Rule of Court 1019(i). OBJECTIONS TO ACCOUNT STATED 5. Plaintiffs Complaint pleads account stated. 6. The law of account stated in this Commonwealth is well settled that a "statement of account" is not same this as "account stated." 7. Plaintiff's Complaint is legally insufficient to make out a cause of action in account stated, and therefore is the proper subject of preliminary objections pursuant to Pa. R.C.P. 1028(a)(4) OBJECTIONS TO VERIFICATION 8. The Complaint is verified by counsel. 9. A verification by counsel can be appropriate only if same complies with Pa. R.C.P. 1024(c). 10. Said verification does not comply with Pa. R.C.P. §1024(c). 11. Accordingly, the Complaint is the proper subject of preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2) for failure to comply with Rule 1024(c). WHEREFORE, Defendant respectfully prays that the Complaint filed by the Plaintiff be dismissed with prejudice, or, in the alternative that the complaint be stricken, and the Plaintiff be required to plead over in accord with the Rules of Court. Respe • b itte., II Joseph P.' rphy 014 / n �.5- _ , , z‘_,:, ,-- -,,,- C' r') r CJ's u% :-_,:::-__, , ._:., .:„.:. PRAECIPE FOR LISTING CASE FOR ARGUMENT A' (Must be typewritten and submitted in triplicate) c TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) CAPTION OF CASE (entire caption must be stated in full) Q...i::44:. loctvitc....., L vs. 0364 Vk No. .7ef ,445 3 Term 1. State matter to be argued(i.e.,plaintiff's motion for new trial, defendant's demurrer to complaint,etc.): f'e N) � �e J {p thl 2. Identify all counsel who will argue cases:((,, (a) for plaintiffs: /3 ltd—S(44.454 I( ( 1 1ao aGr1.)jc D7e (Name and Address ptw • (b) for defendants: likk e.5 et (Name and Address) P kK K 14 i5&( 1 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: Signature or • �:: ',. I. IL 64 Prin inn��yoff 'ame 7 1' r Attorney for 4.- 0,.0" S Date: INSTRUCTIONS: 1.Two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary)before argument. 2.The moving party shall file and serve their brief 12 days prior to argument. 3.The responding party shall file their brief 5 days prior to argument. 4.If argument is continued new briefs must be filed with the COURT �� 141� ;l �� ADMINISTRATOR(not the Prothonotary)after the case Is relisted. Cp n l 2_14- Aq 9C C-43075 / 324 O I'HE PROTHONOTAR'i 2013 SEP -9 PPS 2: 2 3 CUMBERLAND COUNTY PENNSYLVANIA Burton Neil&Associates,P.C. By: Trenton A. Farmer,Esquire ID.NO. 209422 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 CUMBERLAND COUNTY,PENNSYLVANIA V. NO. 13-79 CIVIL TERM JUSTIN BARDER Defendant : CIVIL ACTION-LAW Praecipe to Settle, End, & Discontinue To the Prothonotary: Mark the above matter Settled, Ended and Discontinued. Burton Neil & A P.C. B Trenton A. Farmer, Esquire Attorney for Plaintiff This is an attempt to collect a debt, and any information obtained will be used for that purpose. This communication is from a debt collector.