I added on at VGF in May right before I went on the cruise. I wound up contacting my guide before the cruise and told him I was interested in buying a 50 point add on at the VGF. I asked him if I was better off waiting until I got on the cruise to buy points. He told me that there weren't any incentives on the cruise for VGF (which was true), but if I bought them through him, he could offer me the 2013 points with no cost maintenance fees, and allow me to bank them even though I was past my banking date. So, I paid the full price when I bought them, and got the prorated maintenance fees for 2014.