I was a member of the site for a while. As for the loyalty plan, I believe you have to be a member 90 days or so to become a loyal member. Where they really get you is with the zip sets. You have to buy them almost sequentially, at a HUGE expense for a 10 minute video with a great big watermark through it. If you choose to become a member and want to buy the zip sets which is were she is at her hottest, SAVE you pennies.