If I have 2008 points with a June UY transferred into my account, which has an Oct UY, I know they count in my 2008 UY. But, if I bank then to 2009, can I use them in July 2009 for a trip--even though my 2009 UY does not start until Oct 2009--since I have to follow the transferor's UY (June), home resort and expiration dates, this seems like the case--but I have never dealt with banking a transfer. thanks, Elaine