After the initial commitment period, the Account Owner shall be required to pay for the Service via an annual Subscription at then-current rates. All Subscriptions have an initial term of twelve (12) months, regardless of whether the Subscription fee is paid annually or in installments, if applicable. Accounts will automatically renew for an additional year, at then-current rates, at the end of each annual term. If an Account Owner pays for a Subscription by credit card, we will automatically charge the credit card for the next billing period on the renewal date. If the credit card information provided is no longer valid, we will use commercially reasonable efforts to notify the Account Owner and request such person to pay manually with a valid credit card. Account Owners can notify us at any time prior to renewal if they want their Subscriptions to lapse. Once a Subscription has renewed, we will only cancel the Subscription and refund the Subscription fee if the Account Owner sends a written request for a refund to support@wealth2k.com within ten (10) days after renewal date/charge. All refunds are subject to a ten percent (10%) processing fee, which will be deducted from the refund.