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It is in the Club fees. Last year this was $319, which I objected to because I only go to my home resort (KBC.) I don't use the benefits, so why pay for them? They told me I had to pay or my reservations in April 2014 would be cancelled. This year it jumped to $511, which I paid as I didn't want to jeopardize my January 2015 reservations. But why the increase? The standard fee was about the same, but they added $54 per week ($162 for us) AND they added $79 for travelers insurance, which you could opt NOT to pay. My objection was that people generally opt in, not out. So three weeks later I am still waiting to have that refunded. I believe that all of this, and an explanation of "why" should have been in the cover email, not buried five clicks into the site. I still don't know why I have to pay base fee AND points fee when all I do is go to KBC. And I wonder how much interest Mr. Cloobeck makes on taking weeks and weeks to refund our money. All I want is full disclosure...