**BUYER BEWARE - DON'T PAY IN ADVANCE UNLESS YOU ARE ABLE TO AFFORD TO LOSE IT** In 2012, I paid Master Hwang $4,869 in February 2012 for the black belt program (3 year program) for me and my son. Rather than do monthly payments, MH gave me a discount to pay in full up front. In November 2013, the Chesapeake Dojang closed due to mold issues. MH and the strip center landlord debated over who was responsible for remediation of the mold issue. While MH did offer for us to go to the Suffolk Dojang, we did could not spend 2 hours a day traveling to TKD classes. MH decided to close the Chesapeake Dojang and kept telling me that he would refund my money once he settled the lawsuit with the strip center landlord. I continually followed up with MH for 2 years trying to get a refund and he decided not to answer my emails or return my calls. So I am beginning the process to share my poor experience with MH TKD. Since I am out the $1,893.50, I will be sure to warn other potential clients to look for martial arts training with an instructor who has better business ethics.