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UPDATE I rec'd my $300 refund. So if you are a resale owner, and you book your reservation online thru the Westgate owners site, notice where you put in your credit card info, there is a hyperlink for "user terms and agreements" and you must "check" the box, click that and read it. If it says you will pay $140 exchange fee online or a $150 using a representative to book your reservation, then you've got them! They can't charge you more than the $140-$150 to make your reservation!! So if they charge you the $440-$450, fight them on it, print out the "user terms and agreements" and fax it to them and demand your refund like I did!