You are looking at a lovely charm. [NOTE: I have SEVERAL sterling silver charms as well as sterling & fashion charm bracelets offered at this time. Please check out my store for complete listings.] Please keep in mind that the written details are only a part of the description. Photographs are a large part of the "details" and you should look at them closely and ask questions before you purchase. Details for this particular item include:

• Sterling silver (marked on jump ring)
• Round disk
• Engraved Mary Ann on the front
• There are two dates on the back (this may be a memorial charm)
• 7/8" across (heavy charm)
• Nice pre-owned condition with surface marks commensurate with age
  
  

PAYMENT: Payment is through PayPal and is expected within 48 hours of the winning bid. If items are not paid by that time the sale will be cancelled and the item relisted.

SHIPPING: I will ship USPS First Class in most cases. If another shipping method is preferred, please contact me before purchasing so that I can adjust the invoice, if necessary. Expensive items, over $100, will be sent with insurance. Tracking information will be provided to the winning bidder once payment has been received and the item has been dropped off at the post office. I will offer combined shipping. If you are going to purchase multiple items, please make the purchases and then send me a message reminding me to combine shipping and I will gladly do so.

RETURNS: I do not accept returns. Please be sure to read the item description carefully, look at the photos (as they are considered to be an integral part of the description), and ask any questions you have prior to placing a bid. Mistaking sizes, or missing clearly described points about an item will not be reason to accept a return. In a case, however, where I have inadvertently misrepresented any item, I will consider a return under those rare circumstances, and only those. Any questions or concerns MUST be communicated to me within 24 hours of the delivery of the item for them to be considered.

MAKING OFFERS: If you are interested in this listing, and are going to make an offer that is below my asking price, please be respectful and make a reasonable offer. As with all respected sellers on eBay, I am looking to sell quality merchandise, make sure you are satisfied and happy with you purchase, while also making sure this is a positive transaction for me as well.

FEEDBACK: When our transaction is completed, positive feedback is appreciated. I keep up with my feedback and try to do the same for all of my customers.