Information about your Home Depot Card

1 72100 BSP0814 your Account: Card AgreementInformation about your home Depot CardThank you for your interest in The home Depot Consumer Credit Card. Please open, printand save the disclosures attached for your records. Thank you for the opportunity to home Depot CONSUMER CREDIT CARD DISCLOSURESI nterest Rates and Interest ChargesAnnual Percentage Rate(APR) for , , , or ,based on your creditworthiness. See the sales receipt for thepurchase APR for your to Avoid PayingInterest on PurchasesYour due date is at least 25 days after the close of each billingcycle. We will not charge you any interest on purchases if youpay your entire balance by the due date each InterestChargeIf you are charged interest, the charge will be no less than$ Credit Card Tipsfrom the ConsumerFinancial ProtectionBureauTo learn more about factors to consider when applying foror using a credit card, visit the website of the ConsumerFinancial Protection Bureau FeeNonePenalty FeesLate PaymentReturned PaymentUp to $35Up to $35 How We Will Calculate your Balance: We use a method called "daily balance (includingcurrent transactions).

2 " See the Card Agreement for more Rights: Information on your rights to dispute transactions and how to exercise thoserights is provided in the Card more Information call The home Depot Credit Services at 1-800-677-0232. New Yorkresidents may contact the New York State Department of Financial Services by telephone, 1-800-342-3736, or visit its website, , for free Information on comparative creditcard rates, fees and grace CREDIT IS GRANTED AND ACCOUNTS ARE OWNED BY CITIBANK, THISOFFER IS SUBJECT TO FINAL REVIEW AND IN SOME INSTANCES CITIBANK MAY NOTOPEN AN ACCOUNT FOR AND CONDITIONS OF OFFERThis offer is only valid for new accounts. You must be at least 18 years of age (21 years ofage in Puerto Rico). If you are married, you may apply for a separate account. Citibank, ("we" or "us") is the issuer of your The home Depot Consumer Credit Card , is located in Sioux Falls, law requires us to obtain, verify, and record Information that identifies each personwho opens an account, in order to help the government fight the funding of terrorism andmoney laundering activities.

3 To process the application, we must have your name, homeaddress, date of birth, and other identifying Information , and we may ask for identifyingdocuments from you as may gather Information about you, including from your employer, your bank, creditbureaus, and others, to verify your identity and determine your eligibility for credit, renewalof credit, and future extensions of credit. If you ask us, we will tell you whether or not werequested a credit bureau report and the names and addresses of any credit bureaus thatprovided us with such receive a The home Depot Consumer Credit Card, you must meet our applicablecriteria bearing on creditworthiness. your credit limit will be determined by the income youprovided and a review of your debt, including the debt listed on your credit report. You willbe informed of the amount of your credit limit when you receive your card.

4 Some creditlimits may be as low as $ authorize us to share with The home Depot and its affiliates experiential andtransactional Information regarding your activity with see the Card Agreement for important to Ohio Residents: The Ohio laws against discrimination require that all creditorsmake credit equally available to all creditworthy customers, and that credit reportingagencies maintain separate credit histories on each individual upon request. The Ohio CivilRights Commission administers compliance with this to Wisconsin Residents: No marital property agreement, unilateral statement, orcourt decree adversely affects our rights, unless you give us a copy of such agreement,statement or court order before we grant you credit, or we have actual knowledge of itsterms before your account is TermsWith credit approval for qualifying purchases made on The home Depot Consumer CreditCard, APR.

5 Minimum interest charge: $2. See card agreement for detailsincluding APR applicable to you. Offer is only valid for consumer accounts. 6 monthseveryday credit offer is subject to change without notice. Minimum payments required. 2014 Citibank, 04/14 FACTSWHAT DOES CITIBANK DO WITH your PERSONALINFORMATION?Why?Financial companies choose how they share your personalinformation. Federal law gives consumers the right to limit some butnot all sharing. Federal law also requires us to tell you how wecollect, share, and protect your personal Information . Please readthis notice carefully to understand what we types of personal Information we collect and share depend onthe product or service you have with us. This Information caninclude:Social Security number and incomeaccount balances and employment informationcredit history and transaction historyHow?All financial companies need to share customers' personalinformation to run their everyday business.

6 In the section below, welist the reasons financial companies can share their customers'personal Information ; the reasons Citibank chooses to share; andwhether you can limit this we can share your personalinformationDoes Citibankshare?Can you limit thissharing?For our everyday business purposes such as to process your transactions,maintain your account(s), respond to courtorders and legal investigations, or report tocredit bureausYe sNoFor our marketing purposes to offer ourproducts and services to youYe sNoFor joint marketing with other financialcompaniesYe sNoFor our affiliates' everyday businesspurposes Information about yourtransactions and experiencesYe sNoFor our affiliates' everyday businesspurposes Information about yourcreditworthinessYe sYe sFor our affiliates to market to youYe sYe sFor our nonaffiliates to market to youYe sYe sTo limit our sharingCall 1-877-491-0607 our menu will prompt you through yourchoice(s).

7 Please note:If you are a new customer, we can begin sharing your Information 30days from the date we sent this notice. When you are no longer ourcustomer, we continue to share your Information as described in , you can contact us any time to limit our 1-877-491-0607 or call the Customer Service number on theback of your credit card or on your billing we areWho is providing this notice?You are receiving this notice from the retailpartner cards group of Citibank, , the bankthat issues your credit we doHow does Citibank protect mypersonal Information ?To protect your personal Information fromunauthorized access and use, we use securitymeasures to comply with federal law. Thesemeasures include computer safeguards andsecured files and does Citibank collect my personalinformation?We collect your personal Information , forexample, when youprovide account Information or give us yourcontact informationprovide employment Information or apply fora loanuse your credit or debit cardWe also collect your personal Information fromothers, such as credit bureaus, affiliates, orother can't I limit all sharing?

8 Federal law gives you the right to limit onlysharing for affiliates' everyday businesspurposes Information about yourcreditworthinessaffiliates from using your Information tomarket to yousharing for nonaffiliates to market to laws and individual companies may giveyou additional rights to limit sharing. See belowfor more on your rights under state happens when I limit sharing foran account I hold jointly with someoneelse? your choices will apply to everyone on related by common ownership orcontrol. They can be financial and affiliates include companies with a Citiname; financial companies such as CitigroupGlobal Markets Inc. and Banamex not related by common ownershipor control. They can be financial andnonfinancial we share with can includecompanies engaged in direct marketing andthe selling of consumer products marketingA formal agreement between nonaffiliatedfinancial companies that together marketfinancial products and services to joint marketing partners includeinsurance companies and other Important InformationFor Vermont Residents: We will not share Information we collect about you withnonaffiliated third parties, except as permitted by Vermont law, such as to process yourtransactions or to maintain your account.

9 In addition, we will not share Information aboutyour creditworthiness with our affiliates except with your California Residents: We will not share Information we collect about you withnonaffiliated third parties, except as permitted by California law, such as to process yourtransactions or to maintain your may share your personal Information , as permitted by law, with the retailer whose name ison your card and with the companies related to the retailer. You cannot limit this Information about Credit ReportingWe may report Information about your account to credit bureaus. Late payments, missedpayments or other defaults on your account may be reflected in your credit AGREEMENTThis Card Agreement is your contract with us. It governs the use of your card and home Depot Consumer Credit Card Disclosures and Temporary Charge Pass ("printout")are part of this Agreement.

10 Please read these documents carefully. Keep these documents foryour means the relationship established between you and us by this means an annual percentage user means any person you allow to use your means one or more cards or other access devices that we give you to get credit underthis Agreement. This includes account , us, and our mean Citibank, , the issuer of your account. Citibank, is located inSioux Falls, , your , and yours mean the person who applied to open the account. It also means anyother person responsible for complying with this AccountYou agree to use your account in accordance with this Agreement. You must pay us for allamounts due on your account. This Agreement is binding on you unless you close youraccount within 30 days after receiving the card and you have not used or authorized use ofthe card. your account must only be used for lawful Users.