Experience Points are earned for attending games. These experience points can be spent on character advancement in whatever way you feel suits the advancing character. They do not have to be spent immediately and can be banked until a later date.
Experience points are assigned to a player, who may then spend them on their character(s) as they see appropriate.
You may only spend your experience points via a downtime submission.
Should your character(s) die, any unspent XP remains in the "bank" until spent on a future character.