Hi -- We just bought at SSR last October after comtemplating DVC for a few years. Hooraayyy!! Well now I'm trying to make sure I understand "banking" once and for all. Here goes... We have a Feb 2004 Use Year w/160 points. So I worked out the numbers to know when to bank the points if we're not using them so we don't lose them and here's what I came up with. The 100% banking deadline is July 31, 20xx -- up to 160 points (during first six months left in Use Year) The 50% deadline is October 31, 20xx -- up to 80 points (with three to six months left in Use Year The 25% deadline is November 30, 20xx -- up to 40 points I understand that the % above are on you total points not available points. I was happy that I worked out my banking dates/numbers. Now I read in the DVC Members Guide the following, which I thought would help me becuase it is the same use year, BUT instead it has me confused??? (see my question below after example): ============================================== Example(from http://disney.go.com/vacations/websites/disneyvacationclub/memberguidebook/uvp/bavp/bavp.html) Let's say your Use Year begins in February, and your annual Vacation Points allotment is 400 Vacation Points. In March, you decide to bank some of your Vacation Points. Since you are in the first six months of your Use Year, you can bank all 400 Vacation Points into your next Use Year. However, you choose to bank only 150 Vacation Points at this time. In August, you decide to bank more of your Vacation Points. While you still have 250 Vacation Points available in your current Use Year, you can only bank up to 50 more Vacation Points. Because you are now in the third quarter of your Use Year, you can bank Vacation Points until the total bank reaches 50% of your annual allotment. When these 50 Vacation Points are added to the 150 Vacation Points already in your bank, your total banked to date will equal 200 Vacation Points or 50% of your annual allotment. Once your bank is "full," you cannot bank any more Vacation Points during your current Use Year. ============================================== ---> My question is given the above example, it would seem that if I decided to bank 80 points (say in March like the example), I would not be able to bank anymore points (in say August like the example) because I've already banked 50% of my annual allotment (from March)...then what, how do I bank points then???----this DVC example doesn't make sense----help??? Please use my use year/points to explain. THANK YOU !