I feel at a loss for what i signed up for. I know i have been screwed over all these years paying fees and never getting to use it. I was much younger and fooled when i purchased it. It now appears I have finally paid it off, but stuck with maintenance fees forever. Their website is not transparent enough either. I doubt I will ever recoup my losses, but would definitely be interested in a Class Action lawsuit. User's recommendation: DO.NOT.BE.FOOLED.NOT.WORTH.IT.