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I converted 6 weeks into the sunterra club in 2000 for 51000 points. I pay maintenance fees for each deeded week I own which includes maintenance taxes and reserve fees. At the time I did this one did not sell your deeded weeks so I still own them. I can use my points at all of the resorts in dri. I am pretty satisfied especially since I get the benefits of being a platinum member. Now you can upgrade at time of booking which is nice. You used to have to call. I am not familiar with this trust thing or us or Hawaii collection but it sounds like things may be different now if you convert or buy points. Over the 20 years I've had two special assessments but they were relatively minor compared to what occurred at poipu.