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If you google dial an exchange timeshare banking, there is quite a lengthy spirited discussion on Trip advisor, from present to at 2yrs. back. There is actually 7 pages concerning this company, some yea, some nay, As it seems to located or dealing primarily in Europe and the UK(at least what I seen) and deals with the same problems in all TS's, supply and demand, I would forget the extra cost of the gold advantage, and seek a different avenue. Just my opinion......