$10 off per point, but you don't really get "extra" points with it. Basically the 2nd set of points is for 2006 and the use year is December so December 2007 you get another set of points alloted to you. You have to use the 2006 points right away though or bank them as soon as they can be banked or you'll loss them or a percentage of them. For 100% of points banked, it has to be done by May 31st but if you don't have a close date until after that you may be unable to bank. In that case, MS will assist you with banking and still allow you to bank since that option isn't available by the time to cut off is supposed to be. Hope that makes some sense.