If I am paying monthly, I understand that this notice must be received (5) five days in advance of my draft. I understand that my auto payments going forward will reflect the rate of the membership I have chosen. I understand that for an upgrade I will be charged a prorated amount for the remainder of the current month and full rate will begin with my next auto payment. I understand that downgrades are effective on the first day of the next month. I understand that if I wish to cancel my membership at any time, I must provide written notice to the YMCA of the Fox Cities at least five (5) days prior to the withdrawal of my membership dues.