After reading all the info about banking and such I just want to make sure I have it correct. I am looking at buying a resale contract that has Dec Use Year. It is a 200 point contract but has 300 points currently available. I assume they banked 100 points plus 200 points from Dec 2012 UY. If I buy this contract could I use 100 points now and Bank the 200 Dec 2012 UY points so that in Dec 2013 I would have 400 total to use Dec 2013 - Nov 2014? If I continue to only use 200 points per year can I keep banking the current UY points so that every Dec my account would be back up to 400? My thought is that by buying a contract that is already loaded up with banked points I could keep banking from year to year until the time is right to upgrade to a bigger room reservation when I need the extra points. TIA for the help.