Late Charge and Decline Fee. A Late Charge shall be imposed on all amounts owed by Member for Dues, Ancillary Charges, Costs, and Fees associated with use of the Club facilities and services that are not paid in full by the last day of the month ("Late Date"). If Member's bank or credit card declines a charge properly requested by the Club, Member will be billed a Decline Fee. If Member's bank or Credit Card has also not processed amounts due by the Late Date, Member will also be charged a Late Charge. Delinquent accounts may impact access to the Club and/or lead to Termination of Membership.