In accordance with the U.C.C. all auctions are considered to be reserve unless advertised as absolute, and during any reserve auction, the auctioneer may accept bids from the seller or an agent of the seller. Items are sold “AS IS”, “WHERE IS” with no guarantees of any kind (except for the authenticity of the coins). Estate Jewelry: All jewelry in R. Howard Collectibles are considered Estate Jewelry unless otherwise noted in the description. Estate Jewelry is considered pre-owned and previously worn. It can include vintage and antique jewelry. Photos are considered an important part of the description. Estate jewelry will have signs of wear and minor flaws. Major flaws will be noted in description. Please bid accordingly. Grading: Every person has their own opinion. It is the responsibility of the buyer to examine and grade to their own satisfaction before they bid. ABSOLUTELY NO COIN RETURNS ON THE BASIS OF GRADE. Buyers shall rely entirely on their own inspection and information. Returns: Internet buyers are entitled to a return within 3 days of receipt of items. In order to return an item, we must be notified of your intent to return within that 3 day period. We can be reached at 419-943-0028. Items are subject to a 15% restocking fee or a minimum fee of $10. Shipping charges are not refundable. Items must be returned in the same holder and condition as they were sold to qualify for refund. Bidders are responsible for knowing which item they are bidding on. Bidder should inquire with the ring person or decline to bid if they are unsure of what they are bidding on. Once you have won the bid you have affected a contract and will be expected to pay for the item. The auctioneer reserves the right to accept bids in any increment he feels is the best interests of his clients, the seller. All announcements made on the day of the sale take precedence over printed matter. Auctioneer reserves the right to hold personal checks & coins until the check clears. Bidder will pay for postage and insurance when coins are shipped. R. Howard Collectibles is providing Internet pre-auction and live bidding as a service to Bidder. Bidder acknowledges and understands that this service may or may not function correctly the day of the auction. R. Howard Collectibles or anyone else if the Internet service fails to work correctly before or during the live auction. R. Howard Collectibles will not be responsible for any missed bids from any source. Internet bidders who desire to make certain their bid is acknowledged should use the proxy-bidding feature and leave their maximum bid 24 hours before the auction begins. R. Howard Collectibles reserves the right to withdraw or re-catalog items in this auction.