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4.4.  Hearing  Required.  A  hearing  by  the  Board  shalt  be  required  for  suspension  or
            expulsion.  Notice  in  writing  of  such  hearing  stating  the  reason  for  the  proposed  suspension,
            expulsion or action and notifying such Member that he or she has a right to be heard orally or in
            writing not less than five (5) days before the effective date of the proposed expulsion or suspension
            by the Board, must be delivered to the Member via certified mail with a return receipt requested, to
            the Member's last address shown on the records of the Club at least fifteen (15) days before the
            effective date of such suspension or expulsion. The Board, by similar  vote, may rescind any such
            action or reinstate the Member, upon or without conditions, at its discretion.
                  4.5. Appeal of Suspension or Expulsion. Any Member may appeal suspension or expulsion
            by written notice to the Board within three (3) months of the effective date of such suspension or
            expulsion. If a fine has been imposed, payment thereof shall constitute a condition precedent to the
            right of appeal. Upon appeal, the Board's action may be overturned by a majority of a quorum of the
            voting  Members  of  the  Board.  Upon  suspension  or  expulsion,  all  indebtedness  to  the  Club  is
            immediately due and payable.
                  4.6.  Duties  of  Member  During  Suspension  Period.  During  the  period  of  suspension  or
             expulsion,  the  suspended  Member  shall  continue  to  be  responsible  for  applicable  dues  and
             assessments but shall not have any Club privileges. If a Member is ordered suspended or expelled
             by the Board and, upon appeal, the Board's decision is overturned, then a condition precedent to the
             reinstatement shall be immediate payment of all dues and assessments applicable to the period of
             suspension or expulsion.





                                          ARTICLE V
                FEES, DUES, CERTIFICATES, ASSESSMENTS AND LATE FEES

                 5.1.  Fees  and  Dues.  Membership  fees,  initiation  fees,  deposits  and  dues  for  each
            classification of membership, and the time for payment thereof, shall be as established by the Board.
            The Board shall maintain a current list of fees, dues and deposits. All monetary transactions between
            a Member and the Club shall be charged to the Member's account except as specifically provided by
            the Club Rules and Policies as established by the Board from time to time.

                       (a) All members 80 years of age or older and who have been a member of the
            Club  for  fifty  (50)  years  or  longer  shall  have  the  option  of  electing  to  be  exempt  from  any
            increase in dues as well as any assessment under paragraphs 5.2 and 5.3 of this article, provided
            such election shall result in permanent forfeiture such member's voting rights hereunder.
                 5.2. Capital Assessments. All capital assessments require approval of the Board and an
            affirmative vote of the majority of those Members voting and constituting quorum.
                 5.3. Emergency Operating Assessments. The Board shall have the power to make one
            annual assessment for the purpose of operating the Club. Such assessments shall not be made
            until reserves for operating deficits, as established by the Board, have been utilized in accordance

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