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charges for infractions of the By-Laws and Rules of the Club.

                  5.10.  Account  Charges.  The  Club  shall  render  statement  of  account  to  each  member
            immediately  following  the  last  day  of  each  month.  The  statement  of  account  shall  be  deemed
            received by the Member five (5) days after the mailing date or send date if sent by electronic mail to
            an address provided to the Club by the Member.

                  5.11  Capital Assessments.  Notwithstanding any other provision of these By Laws, any   Formatted: Font: Bold
            Capital Assessment approved by the membership and levied upon a Member is due and payable as
            provided for at the time of levy.  Any Capital Assessment or portion thereof not paid within twenty
            (20) days of the billing date shall be considered late and a late charge of $50 shall be assessed.  Any
            Capital Assessment or portion thereof not paid within thirty days of the billing date shall subject the
            Member to suspension or expulsion at the discretion of the Board.


                                         ARTICLE VI
                         COMPLAINT AND GRIEVANCE PROCEDURE

                  6.1. Only Written Complaints Acceptable.  Member complaints and grievances shall be
            held  in  strictest  confidence,  submitted  in  writing,  signed  and  dated  by  the  complainant,  and
            appropriately addressed in the manner described in paragraphs 6.2 and 6.3 hereunder.

                  6.2. By-Laws and Rules Infractions. Any infractions of the By-Laws and Rules of the Club
            shall  be  reported  to  the  Board  through  its  designated  Committee  or  the  General  Manager.  The
            designated Committee or General Manager shall investigate the charge and report its findings to the
            Board at its next regular meeting. The Board shall determine the appropriate action to be taken, if
            any, and the Secretary shall report the Board action, if any, to the complainant.

                  6.3. Procedure Regarding Employees. Complaints concerning employees of the Club shall
            be  made  only  to the  General  Manager.  The  General  Manager  shall  investigate the complaint and
            determine the action to be taken by the Club. The General Manager shall advise the complainant of
            the  action  taken,  if  any.  Repeated  complaints  against  the  same  employee  shall  be  brought  to  the
            attention of the Board by the General Manager. Complaints against the General Manager shall be
            made directly to the Club President who will investigate and report to the Board at its next regular or
            special meeting with the President's recommendation. With the approval of the Board, the President
            will resolve the complaint with the General Manager and report to the complainant the action taken,
            if any.

                                         ARTICLE VII
                                           GUESTS

                 Guests  shall  be  welcome  at  the  Club  when  sponsored  by  a  Member  in  good  standing.
            Appropriate guest fees and the circumstances under which guests may use the various Facilities of
            the Club shall be established by the Board from time to time. All guest fees will be the responsibility
            of the sponsoring Member. Guests shall be subject to the By-Laws and  Rules of the Club. The
            sponsoring Member shall at all times be responsible for the conduct, charges attributable to, and


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