I once called and almost booked a confirmed first exchange. I wanted a VA/NC/SC/GA area beach trip for about 7 months out in Aug and the CM on the phone told me all my options. But she told me Vero Beach DVC had availability so we just went ahead and booked that. It was farther than we wanted to drive from MD. But we then tacked on two nights at Universal to see all the HP stuff. Was nice. But anyway...I just called DVC MS and they told me my options. There were some places we could have exchanged for but they seemed run down to me and we would have had to pay that $95 exchange fee.