Contractual agreement:  I understand that lessons are taught and billed by the semester.  Lessons missed by student will be made-up ONE per semester.  SMC reserves the right to change lesson and theory times within allotted time agreed for instruction without notice.  I know that lesson fees are to be paid by the 10th of each month, or I will automatically be charged a $20 late fee to my account.  I know that I will automatically be a $20 fee for returned checks.  I know that I am responsible for any additional material fees received during each semester.  I understand that if I stop coming to lessons before the end of a semester, I am RESPONSIBLE for the balance on my account.  Lessons can ONLY be terminated at the END of a semester with a THIRTY DAY WRITTEN NOTIFICATION; otherwise, students are AUTOMATICALLY ENROLLED for the FOLLOWING SEMESTER.