Once your membership is paid for, you simply pay your maintenanace fees which maintain your home-resort properties interst. Outside of maintenance, exchange fees are required should you wish to trade you time for alternative vacations accommodations throughout the exchange directory in which you subsribe. Although most members choose to pay their annual balance all at once, this is not required. Payments can be paid annually or monthly. You can change/modify you monthly payment options via phone with Member Services.