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They may be in the book but I have not been charged. I have also not had any trouble using my points from a previous year and have had no restrictions. In fact, my April 2010 trip is using left over points from 2009 and some of my points from 2010. My October trip will use the rest of 2010 points and borrow from 2011. Again, not that I was pleased with the changes, but I have not had an issue with using points or with extra charges. In fact, the RCI transaction charges are higher. Our salesperson told us OLCC pts were 1/2 of RCI.