RETAIL INSTALLM ENT  CRE DIT AG REEME NT  
 
In this Agree ment, the words �you� and �your� re fer to any pers on who si gns t his Agreem ent, has 
requested a nd is issued a Tiffany & Co. cre dit card, or is au thorized to use th is Tiffan y & Co . cred it card 
account (� Account�); �we� , �us�, � our�, a nd �Tiffa ny & Co.� re fer to Tiffany a nd C ompany, Fifth Ave nue 
and 57th Street, New York, NY 10022, and any person to whom this Account may be ass igned.  
1 PROM ISE TO PAY/WHEN AGREE MENT IS EFFE CTIVE  
When you  sign  the Applicatio n for th is Acco unt, you  will b e agreeing to  everyth ing written here. 
There fore, before you sign the Application, you should read  this entire Agreem ent, wh ich includes the cost-
of-credit disclosures required by Federal  Law.  The  information y ou provide on the Application that 
identifies you  is in corporated  in this Ag reem ent by referen ce. Th is Agreemen t will not be effectiv e until we 
approve your Applicatio n, an d then after th at, on ly if you or som eone authorize d by you signs a sales slip 
or otherwise ch arges a purchase to  this Account. Also, until yo u or someone authorized  by you uses this 
Accoun t, you  will not be responsible for any use of the cred it card  after its lo ss or theft.
 
2 COST  OF C REDIT  
(a) As required by applicable  law, t he follo wing chart sets forth  some of the term s of the Acco unt:  
 
Intere st Rates and Interest C harges 
Annual Perce ntage  
Rates (APR ) for 
Purc hases 8% - 21%   
The APR varies by state; plea se see the  �State Specific In terest Rates and  Interest 
Char ges� t able bel ow in this account a greem ent.  
How to Avoid Pay ing 
Interes t on Purchases Your due date is at least  25 days after the close of e ach b illing cyc le. We will not charg e 
you any in terest on purchases if you pay your entire balance b y the due date each month. 
Minimum Inte rest 
Charge If you ar e charged interest, the charge w ill be no les s than $0. 50. 
For Credit Card Tip s 
from t he Federal 
Reserve Boa rd To learn m ore about factors t o consider whe n applying for or using a credit card,  visit 
the website of the Federal Reserve Board at 
http://www.federal reserve.gov/credi tcard . 
 
 
 
 
 
Fees 
Annual Fee None 
Penalty Fees 
� Late Paym ent 
 
 
� Returned  
           Payment  
$0.00 to $10.00.  This fee will vary  by state; please see  Paragraph 5 below in this 
account a greement. 
 
$0.00 to $25.00.  This fee will vary  by state; please see  Paragraph 5 below in this 
account a greement. 
 
   
State Specific Interest Rates and Interest Charges 
ANNUAL PERCENTAGE RATE (APR) for Purchases  
If you live in :  
The APR is : 
  
California  
10% (1) 
 Arkansas 17% (2) 
 Connecticut, Washington, Michigan 12%  (3) 
 Hawaii, North Carolina, Massachusetts, South Carolina, Minnesota, Louisiana 18% (4) 
 Florida 15% (5) 
 Nebraska, Guam 18% (4) on balances of $500 or 
                    more;  
21% (6) on all other balances 
 Alabama 18% (4) on balances between 
                    $750 and $2,000;  
21% (6) on all other balances.   
 West Virginia 18% (4) on balances of $750 or 
                    less;        
12% (3) on balances greater  
                   than $750.                        
 Kentucky 8%   (7) on balances of $15,000  
                    and under; 
21% (6) on balances above 
                    $15,000. 
 All other states, Puerto Rico and the District of Columbia 21% (6) 
Grace Period for repayment of balances 30 days on average 
 
Method of computing the balance Average daily balance (excluding current transactions) 
Annual Fee None  
Minimum finance charge If you live in : The minimum finance charge is : 
  
Hawaii, Arkansas, 
District of Columbia, Maryland, Nebraska, Michigan, North Carolina, South Carolina, Arizona, and Guam 
  
 
 
None 
 All other states $0.50 
 (1) Monthly Periodic Rate of 0.833% 
 (2) Monthly Periodic Rate of 1.4166% 
 (3) Monthly Periodic Rate of 1.000% 
 (4) Monthly Periodic Rate of 1.500% 
 (5) Monthly Periodic Rate of 1.250% 
 (6) Monthly Periodic Rate of 1.750% 
 (7) Monthly Periodic Rate of 0.666% 
  How We Will Calculate Your Balance:  We use a method called �average daily balance (excluding new purchases).�  See Paragraph 3 of this account agreement for more details. 
 
Your Billing Rights:  Information concerning your rights to dispute transactions and how to exercise those right is provided in the �Your Billing Rights� section be low the signature line in this account agreement. 
 
(b) Regular Terms: Unless the �No Interest Charge Option� is selected, no Interest Charge will be imposed in any monthly billing period (1) in which there is no balance at the beginning of the billing period (the �Previous Balance�) or (2) in which payments recei ved and credits issued within one month after the Billing Closing Date (the �Payment Due Date�) equal or exceed the Previous Balance. If we do not receive the full amount due (the �New Balance�) by the Payment Due Date, a Interest Charge will be computed on the outstanding balance from month to month by applying the applicable Monthly Periodic Rate set forth above to the balance explained in paragraph 3 below.  
 
(c) No Interest Charge Option: If any item is designated  as �Interest Free� on the sales invoice or otherwise at the point of sale, you will only be required to pay a fixed percentage of the amount of said item at the time of sale, with the remaining balance to be paid in equal monthly installments, the number of which shall be set forth in the sales invoice. The amount of each such installment will be included in the Minimum Payment Due figure on each statement. No Interest Charge will be imposed on the balance attributable to that purchase as long as the Minimum Payment Due shown on your monthly billing statement is paid in full by the Payment Due Date shown on that statement. If, in any billing cycle, the Minimum Payment Due is not paid in full and when due, a Interest Charge will begin to accrue and will be imposed on the entire balance in your Account under our Regular Terms, beginning in the next billing cycle.  
 
3 METHOD OF COMPUTING INTEREST CHARGE  
We figure the Interest Charge on your Account by applying the monthly Periodic Rate to the �Average Daily Balance� of your Account (excluding current transactions). To get the �Average Daily Balance� we take the beginning balance of your Accoun t each day and subtract any payments or credits, re- turned check fees, late fees, and any unpaid Interest Charges. We do not add in any new purchases. This gives us the daily balance. Then, we add all the daily balances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the �Average Daily Balance�. 
 
4 MINIMUM MONTHLY PAYMENTS  
You agree to pay at least the Minimum Payment Du e shown on your monthly statement on or before the Payment Due Date shown on that statement. Your Minimum Payment Due will be four percent (4.0%) of the New Balance, but not less than $20, or the en tire New Balance if the New Balance is less than $20, except that, (i) if you live in Vermont, the minimum monthly payment will be not less than 1/48 of the balance after the last advance in the billing period, (ii) if you live in California, the minimum monthly payment will be 10% of the New Balance, and (iii) if you live in West Virginia, your Minimum Payment Due will be 1/12 of 25% of the New Balance. If you live in South Carolina, 40% of your payment will be applied to outstanding principal. The Minimum Paym ent Due will include the entire amount of any check processing fee and any past due amount. If any item is de signated as an �Interest Free� on the sales invoice or otherwise at the point of sale, the minimum mont hly payment amount for that item will be a percentage of its total cash price (or multiple items that qualify for this option), and the minimum monthly payment amount for this option will be added to the regular minimum monthly payment amount, if any, to arrive at the total Minimum Payment Due. All payments must be made in U.S. dollars by check drawn on a U.S. bank. You may pay more than the Minimum Payment Due in any month but if you do, and there is a balance due, you must continue to make minimum payments in future months. 
 
5 LATE FEE; RETURNED CHECK FEE  
(a) If any payment is received by us more than ten (1 0) days after the Payment Due Date for such payment, you may be required to pay a "Late Payment Fee" of $10.00, subject to the following exceptions (see table below):  
 
 
  If you live in:  The late fee will be:  And/or the number of days before the fee is assessed will be:  
Indiana, Nebraska, South Carolina, Minnesota  
$5.00   
Kansas, Missouri, Arizona  $5.00, where the late payment is $25.00 or less   
North Carolina  $5.00, if the balance of the Account is less than $100.00   
West Virginia, Virginia  5%, not to exceed $10.00   
Massachusetts  10%, not to exceed $10.00  15  
New Mexico, Tennessee, South Dakota, New Hampshire, Hawaii, Delaware, Oklahoma, Connecticut, Wyoming, Guam  No late fee   
Maine, Arkansas  $10  15  
Texas  $10  21  
 
(b) If any check sent to us in payment on your Account is drawn on a foreign bank or is returned to us unpaid by the bank, to the extent permitted by applicable law, we may charge you a fee of $25.00 to cover our processing costs and you agree that we may add such  fee to the balance due on your Account, subject to the following exceptions (see table below):  
 
 
If you live in:  The returned check fee will be:  
Iowa, New Jersey, Utah  $20.00  
Texas, California  $15.00  
Arizona  $10.00  
Maine, South Carolina, North Carolina, Michigan, Hawaii, Florida, Illinois, Connecticut, Delaware, District of Columbia, Nebraska, Massachusetts, Minnesota, Pennsylvania, New Hampshire, New Mexico, North Dakota, South Dakota, West Virginia, Rhode Island, Washington, Wyoming, Puerto Rico, Guam No returned check fee.  
 
6 DEFAULT/COLLECTION COSTS  
If you fail to pay any minimum monthly payment when due, if you declare bankruptcy, or if you die, it will be a default, and subject to any right you may have under state la w to receive notice of and to cure such default, we may declare the entire unpaid balance in the Account due and payable. If the Account is referred to an attorney who is not our salaried employ ee and we prevail in a suit against you to collect the amount you owe, in addition to the full amount owed and any court costs, you agree to pay our reasonable attorneys� fees. No attorneys� fees will be imposed in  any state, or in any amount, where not permitted by law. We will pay your reasonable attorneys� fees if you prevail in a suit we bring against you under this Agreement. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.  
  7 CANCELING OR LIMITING YOUR CREDIT  
Unless otherwise provided by applicable law, we have the right at any time to limit or terminate the use of your Account without giving you notice in adva nce. All credit cards we issue remain our property and, if requested, you agree to return any credit card issued to you. You agree to notify us promptly (call us toll free at Tel. No. 18008271396) if any credit card we issue to you is lost or stolen.  
8 CHANGE IN THIS AGREEMENT  
We may change any term of this Agreement, including the rate of Interest Charge, by furnishing you notice of the change to the extent required by applicable  law. If permitted by applicable law, any new terms may, at our option, be applied to any balance existing in the Account at the time of the change, as well as to any subsequent transactions.  
9 CREDIT INVESTIGATION  
You authorize us to investigate your credit history by obtaining consumer reports and by making direct inquiries of businesses where you have accounts and where you work. We may request a consumer report from consumer reporting agencies in consider ing your application for this Account and later in con- nection with an update, renewal, or extension of credit. Upon your request we will tell you whether or not a consumer report was requested and the name and addre ss of any consumer reporting agency that furnished the report. You also authorize us to report your performance under this Agreement to credit bureaus and others who may properly receive such information.  
10 DISPUTED AMOUNTS  
All written communications concerning disputed amounts, including any check or other payment instrument in an amount less than the full amount due that you send to us marked �paid in full� you tender with other conditions or limitations, or you otherwise tender as full satisfaction of a disputed amount, must be sent to us at the address for billing inquiries sh own on the billing statement. For important information regarding your right to dispute billing errors under Federal Law, see the �Your Billing Rights Notice� that accompanies your copy of this Agreement.  
11 MARKETING INFORMATION  
To the extent permitted by applicable law, you give us and any holder of this Agreement permission to furnish information about you (usually only your name, address and other identifying data) to other persons who may use that information to solicit you for products or services. You can request that we discontinue furnishing this information by calling us toll free at 1-800-827-1396 or by writing us at Tiffany & Co., P.O. Box 6150, Parsippany, New Jersey 07054-9693.  
12 DISPUTE RESOLUTION  
The exclusive means of resolving any controversy or claim arising out of or relating to this Agreement or any related purchase contract, or the breach, termination or invalidity of any of the foregoing shall be in the applicable state and federal courts. The parties hereby waive the right to punitive or exemplary damages but shall have the right to reasonable attorneys� fees and other court related costs awardable to the prevailing party.  
13 CHANGE OF ADDRESS AND GOVERNING LAW  
This Agreement is governed by the law of your state of residence when this Account was opened. You agree to notify us promptly in writing if you move. Until we receive written notice of your new address, we will continue to send monthly statements and other notices to the address you gave on the Application for this Account. Once we receive written notice that you have moved to another state, the terms of this Agreement that are applicable to your new state of residence will apply to the entire balance in your Account.  
Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland Commercial Law Article.  
Notice to Texas Residents: The Interest Charge rate shown above is authorized under the Market Competitive Rate ceiling in effect under Tex. Rev. Ci vil. Stat. Article 50966.03. To contact Tiffany & Co. about this account, call us toll free at 18008271396. This contract is subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 787054207. Phone (512) 4791285 or 18005381579. Contact the Commissioner relative to any inquiries or complaints.
   NOTI CE: A NY HOLDE R OF THIS CO NSUME R CREDIT C ONTRACT IS S UBJECT TO ALL 
CLAIM S AND DEFENSE S WHICH THE DEBTO R COUL D ASSERT AGAINST THE SELLER 
OF GO ODS OR SE RVICES OBTAINED PURS UANT HERET O OR WITH THE PROCEEDS 
HEREOF. RECOVE RY HEREUNDER BY TH E DEBTOR SHALL NOT E XCEE D AMOUNTS 
PAID BY THE DEBTOR HERE UNDER.  
Notice: See reverse sid e for important informatio n regarding you r righ ts to dispute billing errors.  
BY SIG NING THE AC COMPANYING ACCOUNT REQUE ST FOR M, YOU AC KNOWLE DGE  
RECEIPT OF  A CO PY OF THIS RETAI L INST ALLM ENT CRED IT AGREEMENT.  
TIFFAN Y & CO.  
Fifth Avenue  and 57th Street 
New York, NY  10022  
By:  
 
Vice Preside nt � Treas ury 
 
DISCLOSURE REQUIRE D BY FEDE RAL LAW. 
YOUR BILLING RIGHTS. KEEP THIS NOTI CE FO R FUTURE USE. 
 
Your Billing  Rights: Keep  This D ocument fo r Future Use 
This notice tells yo u about you r righ ts and  our respo nsibilities un der the Fair Cred it billing Act.  
What To Do If You Think You Find A Mi stake On Your Statement  
If you think there is an  error on your state ment, write to u s at: 
Tiffa ny & C o   
15 Sylvan Way 
Parsi ppany, NJ 07054-9693 
 
In you r letter, give us the following inform ation: 
� Accou nt information: Your name and a ccount num ber. 
� Dollar a mount: The dollar amount of the s uspected e rror. 
� Descrip tion of Prob lem: If you think there is an  error on your bill, describe wh at you  
believe is wrong and wh y you b elieve it is a mistak e. 
You must contact us within 60 days after the error a ppea red on your statement. 
You must no tify u s of any potential erro rs in writin g.  You may call us, b ut if you do we are not 
required to investigate any  potential errors and you may have t o pay the amount in question. 
While we inve stigate whethe r or not there has been an error, the following are tru e: 
� We ca nnot 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 m ay continue to cha rge 
you i nterest on that am ount.  But, if we determine th at we made a m istake, you will not have  to pay t he 
amount in question or any interest or other fees rel ated to that amount. 
� While you do not have to pay the am ount in question, you are responsible for the 
remainder o f your balance. 
� We ca n apply any unpaid am ount against your credit limit. 
Your Rights If You Are D issatisfied  With  Your Cred it Card Purchases 
If you are dissatisf ied with th e goods or services th at you  have purchased with your  credit card, 
and you  have tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on  the pur chase. 
To use this right, all of t he follo wing must be tru e: 
1. The purchase must have been made in your ho me state o r within 100 miles of your  
current mailing ad dress, and the purchase price m ust have been m ore than $50.  (Note: Neither of these are  necessa ry if your purc hase was base d on an advertisem ent we mailed to you, or if we own the company that 
sold you  the goo ds or serv ices.)  
2. You must have used your credit card for the purchase.  Purchases m ade wi th cash 
adva nces from  an ATM or wit h a check that accesses your credit ca rd acc ount do not qualify. 
3. You must not yet have fully paid for the purchase . 
If all of the criteria abov e are met an d you are still d issatisfied  with the purch ase, con tact us in 
writing at: 
Tiffa ny & C o   
15 Sylvan Way 
Parsi ppany, NJ 07054-9693 
  
While we investigate, the same rules apply to the disputed amount as discusse d above.  After we 
finish our inve stigation, we  will te ll you our decision.  At that poi nt, if we  think you owe a n amount a nd 
you do not pay we m ay report you as delinquent. 
 
 
ACC OUNT AGRE EMENT  
 
 
 
 
 
 
727 Fifth Avenue, New York, NY 1 0022  
(212) 755-8000  
 
For Tiffany store location or  inquires, call 1-800-827-1396.