Hello Bonnie!I don't think I explained it well. I'll try to explain it differently. You can rent points from any year to another owner and transfer them, but the other owner has to use them for the same year (2016 has to be used in 2016, 2017 has to be used in 2017 and so on).If you bank or borrow any points you cannot transfer them to another owner. An alternate way to get around this is for you to make the reservation yourself and add the other owner as a guest in that reservation. The latter typically works best for non owners or owners who have totally depleted their points, but want to make a reservation. I hope I was able to explain it a bit better.