Realizing I could not afford (due to illness) the secured funds they wanted, I called at least twice and was told it was a binding contract and that I would lose whatever monies I had alreeady given them as a credit card security. All I had wanted to do was opt out of the entire program as I #1- could no longer afford any luxeries with mounting hospital and doctors bills. #2- I realized that this was not an aboveboard company to deal with. They was obviously crooks.