We are new to all of this so maybe I don't know how the member card works exactly, like I said this is our very first purchase. I guess what I was trying to say is that it was not just about the savings although that is a huge part of it. We thought we were buying into more of a Disney experience, and I realize the incidentals and perks are not guaranteed, but this does changes how I will proceed with my contract, like dvcdream4fld said it is reduced benefits. We are HUGE into Disney and we were looking forward to feeling apart of the Disney DVC family, not sure this will be the same if we are excluded from any of the DVC family benefits. We are probably going to buy some points direct from Disney because of this.