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It is on my contract too. That with non payment of annual fees for two consecutive years you loose membership. I have paid the full purchase price but have have been unable to exchange the two weeks for the past three years. Maintenance fees have risen to around $1400. When I spoke to a member service person about the two year clause she told me they definitely will send a collecting agency after you and inform credit bureaus. I have no recourse but to hire a lawyer. I also filed a complaint with BBB in Las Vegas ,Nevada. This company has an F rating. No surprise there. Good luck to everyone trying to get rid of this.