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Charles, I NEVER signed anything to do with points and never will. My beliefs have always been, If it can't be spelled out in plain English than they are hiding something. Here, the sales people would say anything they could to hide the facts, that although there, were well hidden. This is why most of those who are complaining feel bilked. Sadly people are too trusting and thus susceptible to unscrupulous business practices. My rule concerning Timeshare salesman is, IF THEIR MOUTH IS MOVING, THEY ARE LYING. It is sad to believe that a company with such a great name and product came to this. The people that I bought my units from had CLASS. These folks don't. Is what they are doing legal? POSSIBLY!