Fuzzy: Bank of Abadar.   Posted by DM.Group: 0
Andalon de Lebeda
 Player, 1096 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Mon 21 Dec 2020
at 15:35
Fuzzy: Bank of Abadar
"Well met, cousin. I have been meaning to make the trip to Ringbridge to visit your growing family and see how the place has grown from the ring-fort we helped capture from those bandits years. Is it that many years already? I tell you what, I will travel back with you when you go home to Ringbridge. There is no better time than the present and I can't think of a more enjoyable way to spend a week at this time of year."

Andalon smiled and clapped Cyrus on the back as he committed himself to the journey.
Cyrus Lebeda-Ondari
 Player, 1018 posts
 Lord Ringbridge
 Knight Commander
Tue 22 Dec 2020
at 02:56
Fuzzy: Bank of Abadar
Cyrus smiled and said, “Well it is settled then. I would be honored to have you travel with me and show you the improvements along the way. We’d also hoped you’d consider sponsoring a presence of Abadar in Ringbridge in the coming days. I know much is being invested in Tusk and that Kunlun is becoming a religious center of sorts, but I hope to have the gods and goddesses of this land worshipped in Ringbridge as well. My good friend Gandred has invested in a Shrine to Torag and Abbess Beatrix has a Holy House dedicated to Pharasma as well. I know Valoria would like a presence that she is fond of herself. I am considering how we might honor Abadar with our economic expansions as well and hope to speak to Henry about expanding the market he built into one that supports the broader region. These are all just thoughts mind you. I would welcome your advice given the success you have had in your endeavors over these past few years.”

He paused before concluding, “Before I return, I have to look into the efforts needed to expand our house here into a mansion. That would allow Valoria to spend more of her time here. I have also heard of the Duel and have been considering entering my name. I perused the rules and they won’t allow my favored weapon, but I could make do with a smaller blade and shield.”.
~Gaius Senas
 NPC e, 5 posts
Tue 22 Dec 2020
at 15:01
Fuzzy: Bank of Abadar
Gaius shows up at the bank to deposit the first payment on the loan. "Lady Vallani is back in Restov for the moment, so she has send me to repay part of her loan due at this time."

Paying back part of the loan for Safiya Vallani, 0.2 BPs.

This message was last edited by the player at 15:01, Tue 22 Dec 2020.

Andalon de Lebeda
 Player, 1103 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 30 Dec 2020
at 14:38
Fuzzy: Bank of Abadar
"Thank you Master Gaius. Lady Vallani is a valued customer of ours. Please pass on our best wishes to her when you see her next."


With the repayments received or due on existing loans the Bank of Abadar in Tusk City currently has a total of 2.8BP available to loan. So loans of up to one BP may be available to anyone who needs some extra funds for a building or business development anywhere in Midmarch/Tusk/etc.

Conditions of the loan:
  • 50% interest (i.e. borrow 1BP, repay 1.5BP)
  • To be repaid over the next three Kingdom turns (i.e. repay 0.5BP per turn for three turns.)
  • Subject to the proposed development being approved by the relevant Council or authority in charge of the settlement where the development is proposed.


If anyone would like to enquire about a loan, this is the place to do it.

Similarly, if anyone has BP they don't have a use for and would like to add them to the funds available for loan, this is the place to do it.
Marik Aeris
 Player, 331 posts
Wed 30 Dec 2020
at 15:36
Fuzzy: Bank of Abadar
Marik steps into the bank, casually glancing around to see if his adventuring companion Andalon is anywhere to be seen. Stepping up to the teller, he nods and offers a friendly smile, "Hello, I would like to inquire about a loan for some development I'm considering near New Dawn."
Andalon de Lebeda
 Player, 1105 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 30 Dec 2020
at 15:53
Fuzzy: Bank of Abadar
There is no sign of Andalon in the bank today but the teller that Marik spoke to asks Marik to take a seat while he fetches the bank manager.

"Good afternoon, Sir. I understand you have asked about a loan for some sort of development up at New Dawn. We may be able to help you with that. Would you mind telling me what you have in mind?"
Marik Aeris
 Player, 333 posts
Wed 30 Dec 2020
at 16:03
Fuzzy: Bank of Abadar
Marik nods, "Yes of course. I'm looking to build a ranch just a bit outside of my growing town of New Dawn to help train the horses, hunting dogs, and the like for the scouts and cavalry in the area. I have the majority of the funding to do so, but require a small loan (1BP) to complete the project."
Andalon de Lebeda
 Player, 1106 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 31 Dec 2020
at 04:43
Fuzzy: Bank of Abadar
The bank manager nods thoughtfully before smiling and replying.

"Certainly, Sir. We know that you already have more than sufficient assets to cover the loan, so we can certainly provide the loan you require. I trust that the standard terms of our loans are acceptable to you. The interest on the loan is half of the amount borrowed, with three repayments equal to half of the amount borrowed, paid over the next three years. If you agree with that arrangement I will have the papers drawn up straight away."
Adoven Lodovka-Sud
 Player, 846 posts
 AC 21 F+3 R+10 W+3
 Rogue / Bard, HP 33/45
Thu 31 Dec 2020
at 06:58
Fuzzy: Bank of Abadar
Adoven enters and waits to speak with Andalon. He carries a bulging satchel stuffed with papers and other things.
Andalon de Lebeda
 Player, 1108 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 31 Dec 2020
at 07:34
Fuzzy: Bank of Abadar
With the bank manager busy with another customer already the teller asks Adoven to take a seat and wait while a runner fetches Andalon, the Banker, from the cathedral of Abadar. Adoven is offered something to drink while he waits.

Andalon arrives about ten minutes later and invites Adoven to come through to one of the back rooms where they can speak more privately.
Marik Aeris
 Player, 339 posts
Thu 31 Dec 2020
at 21:49
Fuzzy: Bank of Abadar
Marik nods to the teller, "Yes, those terms are acceptable. Thank you."
Adoven Lodovka-Sud
 Player, 874 posts
 AC 21 F+3 R+10 W+3
 Rogue / Bard, HP 33/45
Fri 8 Jan 2021
at 09:31
Fuzzy: Bank of Abadar
Adoven opens his satchel and turns over letters of credit. He says "these pay for the balance of my loan. I would normally say that concludes our business, but I have a further proposal for you." Adoven pulls artist's drawings and tables of numbers. "I am in the midst of upgrading the military College to a Military Academy. It's very expensive, and will. be delayed until I can scrape up more funds for it. This potential Civil War frightened a lot of us. I wish Tusk better prepared to ward off Adventurism from the South. Have you enough Capital on-hand to help me finish the project quickly?"


OOC: It will take 1.5 more bp to finish the Academy this Turn.

This message was last edited by the player at 09:39, Fri 08 Jan.

DM
 GM, 4373 posts
Fri 8 Jan 2021
at 10:32
Fuzzy: Bank of Abadar
Somewhere, deep inside the bank a small bell rings.
Andalon de Lebeda
 Player, 1116 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Fri 8 Jan 2021
at 16:01
Fuzzy: Bank of Abadar
Andalon had a look through Adoven's documents before replying.

"We can certainly provide a loan of 1BP but I would have to check the ledger and see whether any other borrowers are waiting in the wings. We do try to distribute the available funds to as many people as we can," he explained.
Adoven Lodovka-Sud
 Player, 876 posts
 AC 21 F+3 R+10 W+3
 Rogue / Bard, HP 33/45
Fri 8 Jan 2021
at 16:43
Fuzzy: Bank of Abadar
OOC: I thought the balance was 0.5 bp, which I can pay now. Is my amount Owed 1.5 bp right now?

"If it is available, I would need an added 1.0 bp. I know I still owe on a previous Loan, but my prospects are excellent and we are an expanding business. We'll be able to make our payments on time, easily."
Andalon de Lebeda
 Player, 1119 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sat 9 Jan 2021
at 03:38
Fuzzy: Bank of Abadar
OOC: Adoven - see msg #25 in this thread. 1.0BP borrowed last turn, 0.5BP to be repaid this turn, 0.5BP next turn and another 0.5BP the following turn.

"We have just made arrangements to loan 1BP to Laird Marik. With your 0.5BP repayment we will have a total of 1.8BP on hand. I regret that, as a matter of principle, the Bank of Abadar must insist on repayments as they fall due. If no one else applies for a loan the Bank would then be able to loan you the full 1.5BP that you require for your Military Academy. However, if someone else applies for a 0.5BP loan the Bank would only be able to lend you 1BP (or technically up to 1.3BP) and you may need to find an alternative source for the remaining portion," Andalon explained to Adoven.
Adoven Lodovka-Sud
 Player, 880 posts
 AC 21 F+3 R+10 W+3
 Rogue / Bard, HP 33/45
Sat 9 Jan 2021
at 03:53
Fuzzy: Bank of Abadar
Adoven nods. "I fully understand. It was more an afterthought while I was walking over here that another loan could speed up my construction schedule. I won't have any problem repaying the loan and with interest as agreed. "
Andalon de Lebeda
 Player, 1128 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Mon 11 Jan 2021
at 14:38
Fuzzy: Bank of Abadar
Some time later Andalon and Adoven meet up again for an update.

"Well, it looks like there are not any other applicants for loans at the moment, so I think we can confirm that 1.5BP loan for your Military Academy now," Andalon reported with a smile.

"So, what would the repayments be? You are making your first 0.5BP repayment on your existing 1BP loan now, so you have two more 0.5BP repayments to make on that first loan.

"The 1.5BP loan would normally require repayments totaling 2.25BP over three instalments. However, if you were to make the first repayment of that loan a full 1BP payment, followed by two more 0.5BP repayments, we would be willing to reduce the total repayments to 2BP for that 1.5BP loan as it would build up our reserves again more swiftly that way and we can lend it out again sooner that way. Are you happy with that suggestion?

"Overall, that would mean your repayments would be 0.5BP now, 1.5BP next turn, 1BP the following turn and 0.5BP the turn after that. Total repayments of 3.5BP on loans totaling 2.5BP."

Adoven Lodovka-Sud
 Player, 894 posts
 AC 21 F+3 R+10 W+3
 Rogue / Bard, HP 45/45
Mon 11 Jan 2021
at 15:25
Fuzzy: Bank of Abadar
Adoven thinks it over, then nods. "Generous terms. I accept, and V&A thanks you." He offers his hand to seal the deal.
Rana Nervetti
 player, 101 posts
 A long way from home...
 ...looking for something
Mon 11 Jan 2021
at 19:08
Fuzzy: Bank of Abadar
It was mid-morning-ish as Rana approached the bank almost warily.  She was dressed much as she had been the day before in high-waisted, wide legged trousers of a dark grey paired with a light blue, long-sleeved blouse, boots, her cloak and carrying her backpack. After speaking with Marik the previous evening, she thought that, perhaps, having her all her coins close at hand might not actually be the best option and, on Marik's recommendation she decided to see what this bank business was all about.  She wasn't certain of protocol when she entered, so she glanced around looking to try and determine who might be the person to whom she needed to speak.

This message was last edited by the player at 19:28, Mon 11 Jan.

Andalon de Lebeda
 Player, 1129 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Tue 12 Jan 2021
at 15:19
Fuzzy: Bank of Abadar
In reply to Adoven Lodovka-Sud (msg # 53):

Andalon smiled again and shook Adoven's hand to seal the deal.

"Excellent. I will have the papers drawn up immediately and the funds will be available for you as soon as you need them."
Andalon de Lebeda
 Player, 1130 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Tue 12 Jan 2021
at 15:27
Fuzzy: Bank of Abadar
In reply to Rana Nervetti (msg # 54):

A bank teller stepped forward as soon as it became apparent that the young lady appeared a little unsure of who to speak to.

"Good morning, madam. Welcome to the Bank of Abadar. How may we assist you today?" he asked politely.
Rana Nervetti
 player, 102 posts
 A long way from home...
 ...looking for something
Tue 12 Jan 2021
at 18:00
Fuzzy: Bank of Abadar
Rana smiled at the teller who approached her.  "I've not been in a bank before, so I'm not sure if you can help me; however, a friend suggested that this would be a safe place to deposit coins. I don't know if you have a minimum requirement or how it works with getting my coins back when I need it?
If you could explain how this work, it would be helpful."

Andalon de Lebeda
 Player, 1132 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 13 Jan 2021
at 15:09
Fuzzy: Bank of Abadar
The teller smiled back warmly at Rana.

"Certainly, madam. The arrangements are quite straightforward, really. We don't charge any fee at all when you deposit money or valuables into the bank. A fee is only charged when you withdraw your money or valuables - that means when you take them back out from the bank again. The fee charged is 5 percent of the amount you wish to withdraw, which means 5 parts out of every 100, or 1 part out of every 20 that you withdraw," he explained.
Rana Nervetti
 player, 104 posts
 A long way from home...
 ...looking for something
Wed 13 Jan 2021
at 20:09
Fuzzy: Bank of Abadar
Rana nodded at the teller's explanation, then gave it a bit more thought, before she responded.  "You have certainly explained the process well, so thank you very much for that."  She smiled at him, but sighed lightly.  "The fee seems reasonable and I'm certain that I will be back, but for now, I don't think it would make sense for the small amount of coins I have.  I thank you again for your assistance.  It has been a pleasure to speak with you."   She nodded politely to the man, before leaving the bank, all the while trying to quietly calculate percentages under her breath.