Right now I am not sure of when we will take our trip. I will be sure to remember the dates you have discussed. You are right that my dates are from 9/1/13 – 8/31/14. I have to bank my points by 2/28/14. It seems like may owners book their vacations very far in advance. I don't know if I will be able to do that. I see that you can exchange, but how do you exchange points? Or can you?