The "Initial" Registration Sign-up Fee includes Administrative, New Member T-Shirt and Sports Insurance. This membership is for ALL new Swim America (learn-to-swim) Students (infant, pre-school, school-age, adult, private and pre-competitive), United States Master Swimmers (USMS) and Competitive Swimmers (Swim Team). This "Initial" Registration and Sign-up Fee does not apply to LOVE Swimming's United States Masters Swimmers (USMS). This membership fee is required to be paid 7 days before the start of a class or a practice. This "Initial" Registration Sign-up Fee applies to all "NEW" members. If any type of help is needed (financial or otherwise) please see your coach for an "Assistance Application" which can also be printed from the forms tab at http://www.loveswimming.org