This is a potential resale of 100 that I'm looking at buying. It's a December use year and they have 248 available now. That's made up of 54 banked from 2012, 100 from 2013 and 96 borrowed from 2014. I know that the borrowed points from 2014 can't be returned to the account, but what would the expiration of these 248 points be? When would I have to use them by?