There is some confusion here regarding the term "Use Year". I have two memberships - same resort, same USE MONTH, but a different set of owners and different membership numbers. I could, today, make at least the following six transfers: 1. into membership #1 for YEAR 2009, 2. into membership #2 for YEAR 2009, 3. into membership #1 for YEAR 2010, 4. into membership #2 for YEAR 2010, 5. into membership #1 for YEAR 2011, 6. into membership #2 for YEAR 2011.
These would go into my two accounts in Use Years 2009, 2010, and 2011. I would then bank the 2009 points and then have access to them. I could access the 2010 1nd 2011 points for reservations after their Use Years (and months) start.