An Important Notice Regarding Your Account

Account Ending In: 4180

Home Depot Credit Services www.homedepot.com/mycard
P.O. Box 6764
Sioux Falls, SD 57117

MOHAMMAD MOMTAHAN
733 HARMONY RD
TEMPLE, GA 30179-5107

November 2, 2022
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Dear MOHAMMAD MOMTAHAN,

Why we're writing you

In reference to your The Home Depot account ending in 4180, please see the deferred interest promotional offer update below
and refer to the enclosed privacy notice.

Privacy Notification
For privacy choices, please refer to the phone number located on the bottom of your enclosed privacy notice. If you have
already made any privacy choices to limit sharing, you need not make that choice again; your choices will continue to apply until
you tell us to make a change.

Deferred Interest Promotional Offer Update

From time to time, you may be offered special limited time only deferred interest promotional offers.

Deferred interest promotional offers include the following types of offers:

• No Interest if paid in full within 6 months

• No Interest if paid in full within 12 months
• No Interest if paid in full within 18 months
• No Interest if paid in full within 24 months

If the balance is not paid in full by the end of the promotional period, interest charges will be imposed from the purchase date at
the applicable purchase rate on your account which is 21.99% APR.

These offers are not available all the time and may be limited to specific merchandise and/or have minimum payment and
purchase requirements as disclosed in the offer. Your card agreement, the terms of the offer and applicable law govern these
transactions including increasing APRs and fees and termination of the promotional period.

We appreciate your business and look forward to serving you in the future.

Sincerely,

Customer Service

Please Keep This Letter For Future Reference

CS/1043/919604000002/YYN/A/2919600081378066/20221102/N/N
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 PNHDEX 07/22

FACTS WHAT DOES CITIBANK DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell
you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or
service you have with us. This information can include:
• Social Security number and income
• account balances and employment information
• credit history and transaction history

How? All financial companies need to share customers’ personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their customers’ personal information; the reasons Citibank chooses to share; and
whether you can limit this sharing.
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Reasons we can share your personal information Does Citibank share? Can you limit this sharing?

For our everyday business purposes –

such as to process your transactions, maintain your
Yes No
account(s), respond to court orders and legal investigations,
or report to credit bureaus

For our marketing purposes –

Yes No
to offer our products and services to you

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes –

Yes No
information about your transactions and experiences

For our affiliates’ everyday business purposes –

Yes Yes
information about your creditworthiness

For our affiliates to market to you Yes Yes

For our nonaffiliates to market to you Yes Yes

To limit Call 1-877-491-0607 – our menu will prompt you through your choice(s).
our sharing (TTY: Use 711 or other Relay Service)
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date
we sent this notice. When you are no longer our customer, we continue to share your
information as described in this notice.
However, you can contact us any time to limit our sharing.

Questions? Call 1-877-491-0607 or call the Customer Service number on the back of your credit
card or on your billing statement. (TTY: Use 711 or other Relay Service)
 PNHDEX 07/22

Who we are
Who is providing this notice? This notice is provided by the retail partner cards group of Citibank, N.A., the bank
that issues your credit card.

What we do
How does Citibank protect To protect your personal information from unauthorized access and use, we use
my personal information? security measures to comply with federal law. These measures include computer
safeguards and secured files and buildings.
How does Citibank collect We collect your personal information, for example, when you
my personal information? • provide account information or give us your contact information
• provide employment information or apply for a loan
• use your credit or debit card
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes —
information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit
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sharing. See below for more on your rights under state law.
What happens when I limit Your choices will apply to everyone on your account.
sharing for an account I hold
jointly with someone else?

Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
• Our affiliates include companies such as Citigroup Global Markets Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
• Nonaffiliates we share with can include companies engaged in direct marketing
and the selling of consumer products and services.
Joint marketing A formal agreement between nonaffiliated financial companies that together
market financial products and services to you.
• Our joint marketing partners include insurance companies and other
financial companies.

Other important information

For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not
disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties
to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. For
additional information concerning our privacy policies call 1-877-491-0607 For TTY: Use 711 or other Relay Service.
For California Residents: We will not share information we collect about you with nonaffiliated third parties, except as
permitted by California law, such as to process your transactions or to maintain your account.

We may share your personal information, as permitted by law, with the retailer whose name is on your card and with
the companies related to the retailer. You cannot limit this sharing.
Citi acquires and uses services provided by third parties that collect and analyze customer data. This information may
be used to service your accounts and for marketing purposes. For additional information about our privacy practices
please go to www.citi.com/Privacy.

Important Information about Credit Reporting

We may report information about your account to credit bureaus. Late payments, missed payments or other defaults
on your account may be reflected in your credit report.