This agreement constitutes the contract between the school and the student and no verbal statement promise will be recognized.

Expect for contracts executed by schools licensed by the New York State Education Department and subject to the refund provisions of regulations promulgated by the Department, prepayment for the lessons and other services shall be subject to refund as follows:

If the student, having given prior notice of at least 24 hours, withdraws from or discontinues a prepaid course of instruction or series of lessons before completion thereof, or from any other service for which prepayment has been made, or if the school is unable or unwilling to complete such prepaid course of instruction, or series of lessons, or to provide such other prepaid service, all payment made by the student to the school shall be refunded except:

(i) an amount equal to the enrollment fee, if any, specified in the contract or expressly receipted for, not to exceed the sum of $10 or 10 percent of the total, whichever is greater, specified cost of such course of instruction or series of lessons and

(ii) the school’s per-lesson tuition charge for each lesson already taken by the student which charge shall be determined by driving the total cost of such course of instruction or series of lessons by the number of lessons included therein.