Hi everyone! I finally found an AKV resale contract with 100 points that accepted my offer! It has been over a year I have been searching and offering, so I am excited! I always appreciate all the help and advice you all have given me on this board. I am having a little trouble understanding the banked points on my pending contract. The contract has a December use year. Here is what it says: "Buyer to receive 74 banked points from the 2011 allocation which need to be used by 12/1/2013, 100 points from the 2012 allocation, 100 points from the 2013 allocation and all points going forward". This means if I cannot use the 100 points from 2012 this year that I need to bank them so I could have them for use until 12/2014, right? So technically if I borrowed the 2013 points I could have 275 points to use by 12/1/2013, right? I think when I first made the offer I thought the banked points were from 2012, not 2011. I didn't realize I had as many to use as I do.