CHRISTOPHER D WALTERS

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• Account Ending In: 8127
• Continued on reverse side
• July 9, 2020
• CS/9128/919604000002/YNY/A/N/N 812701
• Dear CHRISTOPHER D WALTERS,
• Why we're writing you
• We understand that you’ve been impacted by COVID-19
• We are here to support you during this time
• As described in this letter, we will be waiving late fees and the requirement to make the minimum payment due shown on your billing statement for your The Home Depot Consumer Credit Card account to help make a difficult situation more manageable
• If you choose not to make a monthly payment, you must still repay all account balances (including interest)
• See the Promotions paragraph below for information on certain promotional balances
• Below are the details:
• You are not required to pay the minimum payment due shown on your billing statement for two consecutive billing periods, starting with the minimum payment that was due when you contacted us
• Also, we will not assess late fees during this period
• At the end of this waiver period, you will be required to resume making regular minimum payments on your account, as shown on your monthly billing statement
• Late fees will apply to any late payments made after the waiver period ends
• Please review your monthly billing statement carefully
• Your statement will tell you when your waiver period ends and when you will be required to resume making monthly payments
• Important information about the interest
• Interest will continue to accrue on each of your account balances, as applicable, and will be added to your account during the waiver period
• This means that your account balance may increase if you do not make a payment during the waiver period, even if you do not use your account during this time
• It also means that your minimum payment after the waiver period may be larger than it would have been if you had made payments during this period
• Promotions
• If you have a deferred interest promotional purchase, your promotional term will be extended by two billing periods
• If you have a promotional plan for which a separate amount due is calculated and included in the minimum payment due, the separate amount due for that plan will be deferred for two billing periods and we will extend the term of that plan
• Please note that interest will continue to accrue on promotional balances during the period in which you are not required to pay your minimum payment due shown on your billing statement
• If your account is past due or over the credit limit
• Past due or over credit limit amounts may be reflected in the minimum payment due shown on your billing statement during the waiver period, which consists of two consecutive billing periods in which you are not required to pay the minimum payment due
• You are not required to pay either amount during the waiver period
• 812701
• Credit Reporting
• We will report your account as current during the payment waiver period, unless your account was delinquent before the payment waiver period began
• If your account was delinquent before the payment waiver period began, we will continue to report the same delinquency status during the payment waiver period
• Your account will not become more delinquent during this period
• If your account is delinquent and you bring it current during the payment waiver period, we will begin reporting your account as current.

• 677-0232 TTY - For hearing and speech impaired only: 1-888-944-2227 Monday through Saturday, 6:00 a.m. - 1:00 a.m., ET; Sunday, 7:00 a.m. - 12:00 a.m., ET