Of course, you can always make numerous payments on your tour BEFORE departure. But if you need to arrange a payment plan to pay for part of your tour AFTER tour departure, here are the guidelines:

• A minimum of 65% of the tour price must be paid before departure.

• Balances must be paid no later than five months after tour departure.

• If all payments are made on time interest is waived, otherwise there is a 1.5% monthly (18% APR) finance charge on the balance.

• Payment plan must be approved at time of registration.

• We will send you a payment plan agreement which you must sign and return.

• Payment plans are not available for cruise tours or for participants living outside the USA and Canada.

• Payment plans are subject to approval of the Business Manager.