Thank you both Biggie Fries and lt1GM because I too sent both mailers to the recycling bin. Upon reinspection, I noticed the different wording. My wife and I both have the silver card. Mine renews in January and hers in May. Mine mentions the next Companion Cert and hers does not. So it appears to be based on the date of renewal. Anyway, THANKS because I will pay one more annual fee to save several hundred dollars!