APPENDIX B UNSECURED CREDIT CARD FLOWCHART (5) (2) (10)

APPENDIX B UNSECURED CREDIT CARD FLOWCHART BESTBANK (5) SUBPRIME BORROWER (2) (10) CENTURY (1) TELEMARKETER (6) (3) BERWYN (8) AATC (7) (1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (9) (4) Telemarketer makes the solicitation to the borrower. Borrower sends application and $20 check to Berwyn. Berwyn advises BestBank of new card. Berwyn transfers $20 from borrower to Century Financial Group, Inc. (Century). BestBank funds card and sends $543 to Century for All Around Travel Club (AATC) package. Century transfers $498 to AATC. AATC instructs telemarketer to send travel package materials to borrower. AATC transfers $30 merchant fee to BestBank. AATC transfers $398 commission to Century. Century transfers $25 booking fee to BestBank. 53