We have a 50 point contract that is a different UY than the rest of our points. We generally use all of our points for 1 or 2 trips per year. We simply transfer the 50 points to our other contract and use all the points as a single contract. I am considering buying a contract at a different resort and, although I would like to find a contract that is the same as one of my other two UY's, I would not be opposed to a 3rd UY if the price was right. Smart phones have made remembering banking deadline less of an issue. With the contract that I am looking for, I do not plan to transfer the point to either of the other contracts. I would either use them on their own or for a split stay with my current home resort.