This might be a solution. I would also suggest that Life Member status and # not be assigned until final payment is made. I don't see how the club could be hurt. If the member only makes 1 or 2 payments the club makes extra money over and above the regular dues. Maybe we would also need a signed agreement from the member stating that he or she understands that there are no refunds or credits if the member does not complete the full $450 payment.