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Original Message:

Re: Marriott Vacation Club point system (by Tracey S.):

I would think it would be a combination of 1-3. Another thing to remember is many if not most of the points systems have additional fees that go along with exchanging. Many have transaction fees ($29-$59 per reservation) and some have additional housekeeping fees (around $59 or so for each reservation beyond one per week used as points)