What you are writing is not too clear to me. If you bank 2007 into 2008, you MUST use those points for a stay that culminates no later than November 30, 2009. Any part of that trip that would be AFTER December 1, 2009 would need to use 2009 points, banked 2008 points, or borrowed 2010 points. Does that help you at all? I think I have that right about what you are wanting to do.