I authorize Quintessence Health and Wellness tocharge my monthly membership fees to my financial institution via Electronic Funds Transfer service, with the credit/debit information that I have provided.I understand that I am in full control of my payment, and if at any time I decide to make any changes to my credit/debit card information, I must submit to Quintessence Health and Wellness the new banking information before the next due date. If at any time I decide to terminate my membership, I am required to give Quintessence Health and Wellness a written notice 30 days prior to my next scheduled payment. I also understand no refunds will be issued after membership due has been charged. Change of payment method will not affect other provisions and terms of my agreement.