I'm not a member of the RCI exchange. But I am a timeshare owner of week 41 at LaPlage. I just wanna know what happens going forward. Do we get credited for the maintenance fee money that we paid back in January? Or did we have to be RCI exchange members and then could have banked the week? Are we just out the 800 bucks now? If we knew we had to be exchange members in case of a natural disaster, we would have joined. But we thought it was only related to exchanging your week for a different place, etc. It appears its also an insurance policy of sorts, in that you can bank your week in case of such a disaster. Unless I'm thoroughly confused. And it's gonna be January again in just a few months and another maintenance fee bill will arrive, so more money just going down a rabbit hole?