This item is for purchase of the 6 Month Installment Plan for the Ghana Investment Tour. Each of the payment options is for travel within 6 months of any scheduled tour date. All payments are due monthly and are due by the last Friday of the month. Purchase of this plan is independent of any other installment plan for any other tour date and can not be combined or transferred once the initial deposit payment is made. Refunds for initial deposit payment are only made on an emergency case by case basis and will be issued 30 days prior to tour date.