Depending on what you've banked you might be SOL. If you banked all your 2003 points for next year that would leave you with the 6 points you banked last year to be used by April 2004. If you have any points from 2003 you didn't banked combine the points and try to rent them for a one night stay. I don't think you can transfer banked points, If you can try to find another member who might want 6 extra points to use on their next trip before April of next year. If you can't transfer them, I think you are going to lose them if you baked all of you 2003 points