The credit card application process is the only business process in the HTML Sample Application that requires a navigation flow. This process accepts and processes a credit card application, enabling a customer of the home banking application to apply online for a credit card. The process may optionally call a subflow to collect financial information from the customer. The application provides the subflow to demonstrate the main capabilities of the toolkit architecture and reflect the real business world in which some banks store financial profiles on customers. This enables the application to recall this information and use it to process a credit card application rather than collect this information from the customer a second time. In summary, the following navigation processes are used for the application: