roadsister,
Call the resort and ask them if they will accept your guests with out a Guest Certificate (GC). Many resorts do not require a GC and you will save $39 which I consider a ripoff. Most independent exchange companies don't charge a fee for a GC. They just print the guest's names on the confirmation paper.
Make sure you talk to a resort manager and try to get written or e-mail confirmation.
You can order the GC after you get the confirnmation papers so you will have the telephone number to call the resort when you get you confirmatiion papers. If the resort refuses to accept guests with out a GC, then you are stuck with paying the $39 fee.
P E H