We D&M Leathers do hereby state that we will hold the merchandise listed above with 20% down payment and balance paid within 30/60/90 days of date above depending on amount purchase  .  If for some reason customer decides they no longer want to purchase items listed above there will be a 20% restocking fee deducted from the amount that has already been paid by customer. If interested in our layaway program email me at dmleathers2012@yahoo.com with your name, address, phone number, email address to send your invoices to pay along with item number and size.  You will then receive a invoice via your email address to pay.  In order to hold item for layaway invoices must be paid within 24 hours to keep your item/items in layaway.  If for some reason you are unable to pay please notify me immediately to see if we can work out a solution.  Thank you Michele Munsell.