If within six (6) months after SEGS has graded a coin, the owner of such coin believes that the coin has been over graded with respect to such standards and procedures, the owner may submit such coin to SEGS in its original SEGS coin capsule for re-grading (see S-4 Service). 

The fee for such re-grading shall be $20, and may be refundable. 

Provided that the SEGS coin capsule has not been damaged or tampered with, and provided that there are no typographical errors in the grade and/or other identifying information for the coin on the SEGS label, the original grade shall be masked and a re-grade shall be determined. 

If the re-grade is lower than that originally assigned by SEGS, 

SEGS shall pay the owner the difference between the fair market value of the coin at the newly established grade and the fair market value of the coin at the original grade. Fair market value shall be determined by SEGS based on recent actual transactions in the market place for coins of that type, variety, error, and/or grade.