3. Payment Process: Payment Process: If method of payment is by pre-authorized bank withdrawal (Electronic Funds Transfer), or credit card withdrawal, your initial start-up fees and first month membership fee, or requested amount of month membership fees (1 month, 3 months, 6 months, or 12 months) will be immediately withdrawn from your bank or credit card account. After that fees will be withdrawn from your account monthly, on the date requested above. Payment is required one month in advance for all memberships. No cash will be accepted.