I should clarify what I have for points. I have a December UY, and 8 of my points are Bay Lake Tower Dec. 2011 and have already been banked in to my 2012 UY, and 30 of my points are Dec. 2012 at Aulani and have not been banked but can't be transferred. The Bay Lake points need to be used by Nov. 30, 2013 and cannot be transferred, but the Aulani points can be banked as long as it is done by July 31, 2013. So, I can make a reservation using all 38 points if it is prior to November 30, 2013. If it's after November 30, I can only use my 30 Aulani points. Thanks!
Susan