On-risk banking occurs when you bank your week with 10 weeks or less to the occupation date. If we are able to successfully make a booking into your week, we will give you the exact number of exchange credits that we were able to book it out for. Usually it would be substantially less than if you banked earlier because we very often run last minute specials to move our stock at a discounted rate. This means that you will get the ‘discounted’ number of exchange credits for your week. We will only credit your Points account with the exchange credits once the unit has been occupied. In other words, after the occupation date.