SAVINGS BANKING IN NEW YORK STATE: A STUDY OF CHANGES IN SAVINGS BANK PRACTICE AND POLICY OCCASIONED BY IMPORTANT ECONOMIC CHANGES [Signed]

INCLUDE THE BOOKSELLER INVENTORY/CATALOG NUMBER OF THE TITLE(S) IN QUESTION IN ANY CORRESPONDENCE. Failure to do so may delay responses to inquiries.

PLEASE DO NOT SEND CHECKS OR MONEY ORDERS WITHOUT PRIOR CONFIRMATION OF THE BOOK"S AVAILABILITY. DO NOT SEND CHECKS OR MONEY ORDERS WITHOUT REFERENCE TO THE COMPLETE TITLE & INVENTORY NUMBER

International customers are responsible for all Duties/Taxes/VATs/etc.

**With international shipments, once a package leaves the United States and is accepted by the customer's/recipient's country, the customer/recipient is responsible for tracking their package and resolving any issues regarding customs office requests. The seller cannot contact international customs department or international post offices on a customer's/recipient's behalf. What we, the seller, can do is provide you, the customer/recipient, all the shipping records, tracking information, and any other relevant information and you, the cusomter/recipient, will need to contact your local post office and they will be able to assist you in resolving any customs issues.

If you wish to insure your order and/or have special shipping instructions, please contact the seller via email for details. We are happy to accomodate your shipping needs (within reason).

American Express, Visa, MasterCard, honored.

RULES FOR REFUNDS/RETURNS

Returns/Refunds are handled as detailed by ABE's return policy, which can be found here: https://help.abebooks.com/how-do-i-get-a-refund/
-PLEASE NOTE- We cannot deviate from these steps in the return/refund process and any request to do so will be declined and ABEbooks customer service will be brough in to serve as a 3rd party mediator. We do not print return labels and requests to do so will be declined. Failure to comply will delay and/or invalidate your return.

If you are a consumer you can withdraw from the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

Information regarding the right of withdrawal

Statutory right to withdraw

You have the right to withdraw from this contract within 14 days without giving any reason.

The withdrawal period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the last good or the last lot or piece.

To exercise the right of withdrawal, electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". We will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (e.g. by e-mail) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to withdraw from this contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back, or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to Second Story Books, ABAA, rockville, Maryland, U.S.A., without undue delay and in any event not later than 14 days from the day on which you communicate your withdrawal from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

Exceptions to the right of withdrawal

The right of withdrawal does not apply to:

1. The delivery of newspapers, journals or magazines with the exception of subscription contracts; and
2. The supply of digital content which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not withdraw once delivery had started.

For international shipping, there is really only one method now, Air. So we state one price. We shall gladly reduce your shipping charge if the cost is less than our quoted rate; likewise, if your package costs significantly more, we'll request that you pay an additional amount.