YOU MAY CANCEL THE ACCOUNT. You may cancel the account whenever you choose. If you do, you agree to cut each Card in half and return it to us at the address shown in Section 17 above, along with your written notification that you wish to cancel the account. Such cancellation will become effective within five days after the notice is received by us. You will still be responsible for the repayment of any outstanding balance on your account and any other amounts that have not yet been billed to you.
