When adding a new contract, DVC members will have the option to purchase the same home resort or purchase a new one. Unlike complexities around owning multiple Use Years, owning two or more home resorts will be more straightforward. Membership will be easier, but owning at two different resorts will also mean that both resorts' 11-month booking privileges will differ. This chapter discusses why people purchase a second contract at a home resort different from the original contract.

In simple terms, the DVC Use Year is not a year but the month that your vacation points are put into your account. Points are added on the first day of the month, and you have one full year to use them. The Use Year is designated in your contract and can never change.

I love the banking and borrowing features of the Disney Vacation Club. It allows flexibility and helps me utilize every DVC point that I have. Banking will enable members who will not use their vacation points to push them into the following year. Members can move every unused point into the following period. Borrowing is the process of getting points from next year and bringing them forward into this year. Together, banking and borrowing will allow you to utilize up to three years of vacation points in one year.