Carl meets with Westly Parker, vice president of Brea Federal Savings, who promotes him based on his excellent performance as a loaner. The bank traditionally doesn't give out micro loans, but their repayment rate is extremely high, and the bank benefits as a result.
Kevin asks Oscar questions about how he can use the money received from a loan, and Oscar states that it would be fraud if he didn't use it for the stated purpose. Kevin visits the bank to get a loan for his ice cream store, but he is turned down because his business plan is not convincing.
Rocky questions Paulie on why he has always been so tough on him. Paulie responds that he sees a lot of talent in Rocky to become a good fighter, but instead, he became a second-rate loan shark: a waste of life.