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You are probably right, they could modify the user agreement on the website. But when I bought my resale several years ago, nothing in my documentation or on the westagate owners guidebook states they are going to charge me $450. I wasn't notified via email, mail or phonecall about this new charge and people who bought directly to exchange their week will pay the $140-$150 but somehow resale owners are less of an owner and have to pay triple? Once I get this straigtenned out, I will bank it with II. TY for responding!