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The ~pacK-Bank is responsible for keeping the running balances for all pacK members.

Every month, on the 13th, the Bank will send out a balance statement, via note. This will simply contain the amount of PackPoints you have at that time.

All transfers of PackPoints will will be done in note form: this includes purchases from other users, the ~pacK-Mall, sales, trades, disputes, gifts, etc..

EXAMPLE 1:
Bob requests to purchase item number 13, Alpha-Issue jacket from the pacK-Mall for the listed amount of 100 PackPoints."

Bob would then send this note to the pacK-Bank, who would check his funds and make sure he actually had 100 points in his "account".
If he did, Bank would then forward the note to ~pacK-Mall, who would reply to the Bank directly.


EX2:
Transaction accepted: item 13, Alpha-Issue Jacket, in exchange for 100 PackPoints.


If Bob did not have the necessary points, however, he would receive a note entitled "Insufficient Funds".

The Mall Manager would send this note to both the Bank and Bob. The Bank would then take the agreed amount from Bob's account. As Meokio had created this particular item, she would receive a gratuity of 25%, which in this case would actually be 25 points, as well as a notice that Bob had purchased her item.

If Meokio so chose, she could also send Bob a thank-you gift:


EX3:
Transaction accepted.
Purchase includes extra item, free of charge: you get one pair of striped socks as a thank you for your business!


Bob, after receiving his note from Meokio, would have in his possession the jacket he paid for, and any gifts she included.

Meokio could also give discounts or rebates like so:


Transaction accepted: item 13, Alpha-Issue Jacket, in exchange for 90 PackPoints!


As you can see, we want to keep the general form consistent, without limiting your creativity and fun-factor. :3

The Bank will be updated weekly, on fridays, and balance statements will be sent after every successful transaction.
The Bank will also keep records of each transaction for up to one month, as a form of receipt, should any problems with the transfer occur.

The Bank will also be capable of returns, should you change your mind about a purchase within one month of payment:
Simply send a note to ~pacK-Bank, requesting your points back. Balances will be resent, with updated numbers and you will remove the item from you inventory.

If you have any additional questions about the pacK-Bank, please feel free to ask it's manager, ~Meokio,

Overview:
Note travels to Bank -> Mall -> Creator -> Customer

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The ~pacK-Mall is responsible for displaying all purchasable items along with their prices.

Items will be divided by type (Top, Bottoms, Shoes, etc..) to insure easy browsing.

All orders will be received in note form.

Overview:
Note travels to Bank -> Mall -> Creator -> Customer