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This is a small silver cross necklace by Montana Silversmiths. Three are small clear crystals embedded in the cross. The necklace is a small silver chain that is adjustable in size and has a lobster clasp hook. This necklace is coated by "Montana Armor". This is a technological breakthrough that gives all Montana Silversmiths products a tarnish free protection. This patented process is guaranteed for life not to yellow or tarnish. "Montana Armor" is 10 times stronger than lacquer; created in Columbus, Montana.