Hi everyone, I'm purchasing a 25 pt contract @ BWV with an October use year. There are 13 borrowed points coming 10/14 that must be used by 10/15. Then there are 12 remaining points in 2015. Full points from 10/16 onward. How is it possible for 2015 points to have been borrowed prior to the beginning of the 2014 UY? Here is the clause in my contract: 10. SPECIAL CLAUSES: BUYER TO RECEIVE 13 BORROWED POINTS FROM THE 2015 ALLOCATION, WHICH NEED TO BE USED BY 10/1/15, 12 POINTS FROM THE 2015 ALLOCATION, 25 POINTS FROM THE 2016 ALLOCATIONAND ALL POINTS FROM CLOSING FORWARD. Thanks for your help.