If you are adding on thru Disney, they require that the points are added to one of your existing contracts. You can add on whatever use year you can get if you buy resale, but most of those are not economically cheaper than Disney. I have 3 contracts and 2 add-ons, so I have a bit of experience with this. I have a notebook dedicated to just keeping track of banking, borrowing, and when all the points were used, and how many points are left. I have 3 use years and two home resorts, so do not underestimate the administrative benefits of one use year. Sometimes it is a nightmare trying to figure out where all those points went to.