I purchased the membership on 1-11-14 : the "Gold" membership for the amount of $3,990.00 with the promise that I would save my membership dues back within the initial 3 years.....well, I did not....and since they wanted me to pay additional money for the 4th year....I refused...so no longer a member...but now just found the paperwork for the initial purchase and found the signed "PROMISE" that if for any reason I did not recoup my $3,990 in savings by 1-11-17..that Direct Buy would pay my annual renewal fees until I did....well as I mentioned...they looked for more money from me....I used the membership to buy tiles for a kitchen backsplash, a small powder room and kitchen counter....trust me the savings did not exceed $500. What a racket!