Account Statement

Send Notice of Billing Errors and Customer Service Inquiries to:

Customer Service: HOME DEPOT CREDIT SERVICES
P.O. Box 2052 Station B, Mississauga, ON L4Y 0B5
homedepot.ca/creditcentre
Account Inquiries:
1-800-747-3787 Account Number: **** **** **** 5561

Summary of Account Activity Payment Information

Previous Balance $0.00 New Balance $1,600.29
Payments -$50.00 Minimum Payment Due $53.00
Other Credits -$0.00 Payment Due Date 10 Jun 2019
Purchases +$1,612.71
Fees Charged +$0.00 Credit Limit $5,200.00
CREDIT CHARGES +$37.58 Credit Available $3,599.00
New Balance $1,600.29 Statement Date 14 May 2019
Statement Period from 15 Apr 2019
Amount Past Due $0.00 to 14 May 2019

Your Minimum Payment Due: $53.00

Pay $1,600.29 by the Payment Due Date on this statement to pay off any non-promotional (revolving) balance
and to avoid paying deferred credit charges on the deferred credit promotion(s) that expire on that date.
Please see back of statement for information on grace periods and credit charge calculations.

Marketing offers included in this statement are intended for residents of Canada.
TRANSACTIONS
Trans Date Posting Date Description Reference # Amount
30 Apr 19 30 Apr 19 PAYMENT - THANK YOU P9197003TEHNE46XM $ 50.00-
05 May 19 05 May 19 BALANCE TRANSFER 6035 2944 4399 6389 00000000000ATNEWA $ 1,612.71

CREDIT CHARGES
14 May 19 14 May 19 CREDIT CHARGES ON PURCHASES $ 37.58
TOTAL CREDIT CHARGES FOR THIS PERIOD $ 37.58

D8 14
PLEASE SEE IMPORTANT INFORMATION ON PAGES 2 AND 4. Page 1 of 6 This Account is Issued by Citi Cards Canada Inc.
ê Please detach and return lower portion with your payment to insure proper credit. Retain upper portion for your records. ê

Your Account Number is xxxx xxxx xxxx 5561 Payment Due Date 10 June 2019
New Balance $1,600.29
Amount Past Due $0.00
Minimum Payment Due $53.00
PRIVATE AND CONFIDENTIAL

Please print address changes on the reverse side.

Make Cheque(s) Payable to

HOME DEPOT CREDIT SERVICES

CHRISTOPHER YANG PO BOX 675, STATION D
5829 DESAULNIERS ST SCARBOROUGH, ON M1R 5T4
MONTREAL, QC H1N 1V7
Important Information about your Account and Card
Capitalized terms have the meaning set out in your
Cardholder Agreement.
Your Home Depot® Account: Your Home Depot Account
is owned and managed by Citi Cards Canada Inc.
Lost or Stolen Card: You must tell us immediately if your
Card is lost or stolen or if you suspect it is lost or stolen.
You may do this by calling the toll-free telephone number
indicated on the front of the Account Statement.
Account Payments: You may pay the New Balance shown
on the Account Statement in full or in part at any time
but, in any event, you must pay the Minimum Payment
Due shown on the Account Statement by the Payment
Due Date shown there. Payments are applied in the
manner set out in your Cardholder Agreement.
Sufficient time is required for payments to reach us by
the Payment Due Date shown on the Account Statement.
We will credit payments made through the mail to the
Account on the date of their receipt by us. Please do not
include payments for any Citibank or CitiFinancial
loan or mortgage.
When making payments by mail (cheque or money order
only) please:
• indicate the payment amount on the return portion
of the Account Statement,
• include the return portion of the Account Statement
with your payment,
• make your cheque or money order payable to
Home Depot Credit Services, and
• write your Account number on the front of your
cheque or money order.
Do not send cash by mail. Please also note that gift cards
may not be used as a form of Account payment.
PLEASE SEE IMPORTANT INFORMATION ON PAGE 4
Change of Address
Please print address changes in blue or black ink.
Primary Cardholder Name (First, Initial, Last)
New Street Address
City Province
Home Phone Business Phone
Effective Date of your Address Change (Day, Month, Year)
Payable at most Financial Institutions and The Home Depot Stores.
For store associate use:
Please use the bar code below when processing the customer's payment on account.
Payments and other credits to the Account do not affect the
amount of Credit Available you have under the Credit Limit
until we update your Account. This update normally takes
effect on the business day following the day we receive
those payments and other credits. However, please note
that, in the case of large value Account payments made
by cheque or other payment instrument, the amount of
Credit Available you have under the Credit Limit may not be
adjusted for up to 14 business days after the day we receive
your large value payment or until that large value payment
has cleared the financial institution on which it is drawn
Information About Purchases and Grace Periods: The
Payment Due Date shown on the Account Statement is 25
days after the Statement Date shown there. This 25-day
period is sometimes referred to as an interest-free “grace
period”, depending on the financing plan that applies to
a Purchase and the other Account transactions included
in the New Balance appearing on the Account Statement,
and certain other conditions. Relevant information about
Purchases and interest-free grace periods is summarized
below. However, for complete information about Account
payments and any applicable interest-free grace period,
please refer to your Cardholder Agreement or contact us
at the toll-free telephone number indicated on the front
of the Account Statement.
Grace Period For Regular Financing Plan Purchases:
No interest is payable on the amount of any Purchase
to which a Regular Financing Plan applies that appears
on an Account Statement for the first time and is paid in
full by the Payment Due Date shown there, provided all
other Debt shown on the Account Statement to which
any Regular Financing Plan applies is also paid in full by
that Payment Due Date. However, if that Purchase and
Debt are not paid in accordance with the foregoing, the
Purchase will become an Interest-Bearing RFP Purchase
to which interest charges will apply, and each Purchase to
which a Special Financing Plan applies will, at our option,
immediately become an Interest-Bearing SFP Purchase to
which interest charges will also apply.
T14336 THD CAN EN NOV17– 2
Page 2 of 6
Apt
Postal Code
Account: **** **** **** 5561
CREDIT PLAN SUMMARY
Original Previous Payments Purchases, Billed New Minimum Accrued
Trans Start Plan and Fees and Credit Plan Payment Credit Expiration
Amount Date Balance Credits Other Debits Charges Balance Due Charges Date
PURCHASES
REVOLVING BALANCE
- - $1,612.71 $50.00- - $37.58 $1,600.29 $53.00 - -
TOTAL $1,612.71 $50.00- $0.00 $37.58 $1,600.29 $53.00 $0.00

CREDIT CHARGE CALCULATION

Type of Balance Annual Percentage Rate (APR) Applicable Balance Credit Charge
PURCHASES
REVOLVING BALANCE 28.80% $1,587.71 $37.58

Page 3 of 6
Account: **** **** **** 5561
Grace Period For Special Financing Plan Purchases:
(a) Same as Cash (SAC) Purchases: Interest on the
amount of a Purchase to which a Special Financing
Plan with a SAC feature applies accrues from the
start of its interest – deferred period to its plan
expiration date. If you pay each Minimum Payment
Due on its Payment Due Date during each month of
the interest-deferral period and if you pay the SAC
Purchase amount in full by its plan expiration date,
then all accrued interest charges on that amount are
waived. However, if you do not pay each Minimum
Payment Due on its Payment Due Date and if you do
not pay the SAC Purchase amount in full by its plan
expiration date, then all accrued interest on that
amount will be posted to the Account and interest
will continue to accrue and be payable on that
amount until it is paid in full. Please also remember
that if you don’t make any required payments on
any other Debt to which any Regular Financing Plan
or another Special Financing Plan applies on time,
each unexpired SAC Purchase will, at our option,
immediately become an Interest-Bearing SFP
Purchase to which interest charges will apply.
(b) Preferred Interest Rate Purchases: There is no
interest-free grace period on the amount of any
Purchase to which a Special Financing Plan with a
‘preferred interest rate’ feature applies since interest
charges at the preferred interest rate apply from the
time that Purchase is posted to the Account.
(c) (Not available to Quebec residents) ‘No Pay Same
as Cash’ Feature: You will not pay interest on the
amount of any Purchase to which a Special Financing
Plan with a ‘no pay same as cash’ (SAC) feature
applies during the interest-deferral period indicated
for it on Account Statements, provided that the Debt
to which that Purchase relates is repaid in full by
promotional period) by the number of months in
such promotional period. Interest will accrue at the
specified annual rate from the date of any such
Purchase until the end of the promotional period
provided you pay each Minimum Payment Due on
its Payment Due Date during each month of the
promotional period. However, if you fail to make such
payments, or if you fail to make any other required
payments on any other Debt to which any Regular
Financing Plan or another Special Financing Plan
applies, then the unpaid balance of any such Purchase
will, at our option, immediately become an Interest-
Bearing SFP Purchase to which interest charges will
then apply.
Account Transactions: You are responsible for all
transactions posted to your Account. If you notice an
error or omission on your Account Statement, you must
notify us in writing at the address identified on the front
of your Account Statement within 30 days of receiving
the Account Statement. If you need more information
about a transaction or you’re Account, please contact
us immediately at the toll free number on the front of
your Account Statement. As well, please refer to your
Cardholder Agreement, which sets out your rights and
obligations regarding the verification of information
appearing on Account Statements.
Interest Charges: Interest charges are calculated in the
manner set out in your Cardholder Agreement. Other
information about Interest charges is set out in the
Disclosure Statement. Listed below are examples of the
cost of borrowing on various Interest-Bearing Balances at
various interest rates (assuming a 30-day period covered
by an Account Statement):
Average daily interest-bearing Cost of borrowing for the period at
balance or previous month’s an annual interest rate (in Quebec
balance for the period: the Credit Rate) shown below:

its expiration date shown on Account Statements, 9.99% 12.99% 15.99% 18.99% 24.99% 28.8%
such date being the last day of that interest-deferral $100.00 $0.81 $1.06 $1.31 $1.56 $2.05 $2.36
period. However, if you fail to pay the Debt to which $800.00 $6.50 $8.54 $10.51 $12.48 $16.43 $18.93
that Purchase relates in full by its expiration date,
$1,400.00 $11.39 $14.94 $18.39 $21.85 $28.75 $33.13
or if you fail to make any required payments on any
$2,000.00 $16.27 $21.35 $26.28 $31.21 $41.07 $47.34
other Debt to which any Regular Financing Plan
or another Special Financing Plan applies, then all
accrued interest will be assessed on the Purchase Important Note About Email Communications:
and such sum will, at our option, immediately become Information sent by email is not considered secure and
an Interest-Bearing SFP Purchase to which interest privacy cannot be ensured. Therefore, please do not include
charges will apply. confidential information such as account numbers, credit
card numbers or other personal information by email.
(d) Equal Payment Plan Feature: Equal payments are
determined by dividing the total of any Purchase © 2017, Home Depot International, Inc. All rights reserved.
to which such feature applies plus related interest ®
Registered trademark of Home Depot International, Inc.
(calculated at the specified annual interest rate (in Used under license.
Quebec the Credit Rate) over the term of the related

T14337- D8 - 9197-9440-4000 -//- - NOENV -//- - 0 - - 21 - 000 -//- P - -//- 0 - 0 - -//- - 1KHD - -//- 11/01/16 - 14 April 2019

PLEASE SEE IMPORTANT INFORMATION ON PAGE 2 THD CAN EN NOV17– 4

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