Bought in Feb 2010 and paid my maintenance fees for 2010 & 2011. My usage is EOY-every other year. Year 2010 is not even finished yet and they are alreay collecting maintenance fees for 2012 more than a year before my next usage. Ridiculous. Then they give you all these free trips, cruises, nights in Hawaii but before you can use them you have to pay all these upfront fees they say are processing fees and by the time you paid all these fees the trip or cruise has costs you more than if bought it yourself. There was a lot of misrepresentation... read full review »