Someone sent me a PM to which I can't reply because I don't have enough posts. So I'll do my best to answer here. The 100 points can be used to book a stay before 9.30.09 without banking or they can be banked for a stay between 10.1.09 and 9.30.10 (keeping 7/11 month booking windows in mind). I BELIEVE the points retain their BWV character so that you can reserve at BWV 11 months out. I'm not 100% certain on this one so I'll call member services on Monday, 1/26, or maybe a Disboard veteran could answer the question with a subsequent post. Thanks for your interest. Gary