Here is a link to the MVC Learning Center. Check out the Points Owner Webinar. That will likely provide you with a lot of additional information on using your points. http://vacationclub.readytalk.com/?p=rYou are correct, your banked points must be used by the end of the use year they were banked into, otherwise you lose them.As for your question, must YOU only use the banked points, technically that is correct, but you could rent them indirectly, meaning if you find somebody who needs a reservation, and you book that reservation for them using those points (and others if necessary), and then add their name to the ressie, you could in essence rent the points that it took to make that reservation for them. Its a bit more cumbersome of a transaction, but it can work. Good luck.