It's a con job was offered 5000 points for $5000. You can't even get a week anywhere for 5000 points - off season in Colorado is 6000. RCI will convert the 5000 at .05 a point - $250! Over 40 years you could get your money back but there is a $250 annual maintenance fee so it's a wash and you are still out $5000. Don't do it!