Hello. I'm a new DVC member and have a question regarding banking points. My husband and I chose an August use year. We decided to bank the 160 points for 2009. Does this mean we cannot make a reservation until August 1, 2010?... or does it mean we can make a reservation now with the banked points, but the reservation just has to be for dates from Aug 1, 2010? to July 2011? 
