For a renter it likely means little. An owner can bank any or all of his points from one use year into the next use year and thus can use them in that subsequent use year. For a renter, if the reservation includes banked points, it simply means that some (or perhaps even all) of the points used to make the reservation were those from the prior use year that have been banked into a subsequent use year but it makes no differenece to the renter whether current or banked points are used for the reservation.