We just pre-paid our 2023 maintenance fees to take advantage of the current favorable pound-to-dollar exchange rate. New and interesting is this year when pre-paying the fees was that they are adding 15% to the 2022 rate (previously it was just the current year maintenance fee and the balance was then due when the new maintenance fee is determined). They indicated that if the total charged was more than the final 2023 fee, the difference will remain as a credit on our account. I am certainly hoping that the 2023 maintenance fee is not going up 15% as that would be the largest increase for this property since we bought it, but maybe they are taking into account a club/max fee increase (which would not necessarily apply to us as we have other HGVC properties). Used our Hilton Aspire Amex card and got an exchange rate of 1.068.