Keep in mind also that add-on contracts are combined to get a total that banking percentages are based on. Look at the two scenarios below:
1. An OKW 200 point contract and a 200 point SSR Add-on. This is considered a 400 point contract. At the 50% banking window, assuming you haven't banked anything, you may bank up to 200 points (50% of 400)
Say you used all 200 OKW points. You can still bank all 200 SSR points.
2. Same situation, but a 200 Point OKW contract and a separate use year 200 point SSR Contract. In this case the points are not combined to determine banking percentages.
Say you used all 200 OKW points. At the 50% banking window, you can only bank 100 SSR points. (50% of 200) The other 100 points become a use it or lose it situation.
As for transfers, keep in mind you can only transfer into an account, or out of an account, within the same year. You cannot do both.
So in the example above, you could transfer points from SSR to the OKW account, but you could not later that same year transfer points from OKW to SSR. You would have to wait until the next year.
As mentioned, points cannot be combined directly to make a single day's reservation. Even when not combined, you wind up making two reservations. In one example posted earlier, say you used 40 points from one contract to make a 2-day reservation, and then 50 points from the other to make the remaining 5-days. These are two separate reservations. You then link the two reservations together so you don't have to move.