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Dear Wesley62, Thank you for your welcome and response. At the "presentation" the representative answered the audiences' questions and did not make a traditional presentation wherein information was volunteered to the audience. Several of us did ask a bunch of good questions. We did find out about the increased annual fee for points users but there was no mention of the conversion fee (& none of the 11 vacationers at that meeting stayed to discuss sales or conversions). The presenter did say that Resorts West had been buying ownership weeks at The Ridge so Resorts West could develop their points system that begun in June. I'll keep my deeded ownership. Points do not equate to real estate ownership. I'd very much like to know about the legal differences between deeded weeks' ownership and ownership of points in a trust. Best regards, Rosemary