good morning….Mocha...If your plans are for Hawaii 2015 and you will be short (even with banking), you can rent points for 2015 anytime before 6/2014 (12 month window).  Please make sure the points you rent are valid in  the 2015 USE YEAR.  Most of the points for rent aere "LEGACY" points which have a 1/1-12/31 window. Trust points such as yours start after closing and use year runs 12 months..  This can be trickyenjoy