Fuzzy: Bank of Abadar.   Posted by DM.Group: 0
DM
 GM, 3326 posts
Sat 11 Jan 2020
at 15:20
Fuzzy: Bank of Abadar
The Bank of Abadar
Andalon de Lebeda
 Player, 874 posts
 Cleric of Abadar
Sat 11 Jan 2020
at 17:01
Fuzzy: Bank of Abadar
The Bank of Abadar in Tusk is now the administrator of a small pool of BP's on behalf of several local investors.  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.

Conditions of the loan:
 - 50% interest (i.e. borrow 1BP, repay 1.5BP)
 - To be repaid over the next two three Kingdom turns (repay 1BP next turn and the final 0.5BP on the following turn 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.

This message was last edited by the player at 15:46, Thu 25 June 2020.

Andalon de Lebeda
 Player, 941 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 25 Jun 2020
at 13:43
Fuzzy: Bank of Abadar
If anyone happens to be just a little bit short of the funds needed for that new business enterprise, you know where to come for a loan.
DM
 GM, 3776 posts
Thu 25 Jun 2020
at 13:53
Fuzzy: Bank of Abadar
A customer drops a handful of coins on the floor, and scrambles to pick them up, while the others look on in amusement.
Andalon de Lebeda
 Player, 942 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 25 Jun 2020
at 15:51
Fuzzy: Bank of Abadar
The Banker helps the embarrassed customer to pick up the coins, then very kindly suggests they might be a lot safer if deposited in the bank.  :)

OOC: Loan terms revised in the post above.
Safiya Vallani
 player, 299 posts
Thu 25 Jun 2020
at 17:40
Fuzzy: Bank of Abadar
Sounds useful. Safiya is either 0.5 BPs short from buying some more boats, or has 0.5 BPs just sitting useless this round. Preferably former - what would be the terms on a 0.5 BPs loan? I'd rather not split my BPs down to 2 decimal places, so would 0.8 BPs over three turns or even 0.7 over two be acceptable?
~Hargrym Silverhammer
 NPCe, 6 posts
 Stonemason
 Domitius Companion
Fri 26 Jun 2020
at 04:43
Fuzzy: Bank of Abadar
Hargrym approached the tellers and asked "I was wondering if I could organise a loan, we are looking at setting up a master jewellers in New Dawn as it would appear there is gold there."
Andalon de Lebeda
 Player, 943 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Fri 26 Jun 2020
at 14:11
Fuzzy: Bank of Abadar
In reply to Safiya Vallani (msg # 6):

The Banker considers Safiya's question thoughtfully for a long moment then nods.

"I think either of those options would be quite acceptable, Miss Vallani. I will need to double-check one or two administrative details but I don't think we would have a problem either way."

This message was last edited by the player at 15:10, Fri 26 June 2020.

Andalon de Lebeda
 Player, 944 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Fri 26 Jun 2020
at 14:41
Fuzzy: Bank of Abadar
In reply to ~Hargrym Silverhammer (msg # 7):

The Banker considers Hargrym's question quite a bit longer before responding.

"That would be quite an investment in a small, fledgling settlement like New Dawn, Mr Silverhammer. You might find that the settlement itself may not yet be able to supply the other resources required to support something as lavish as a master jeweler's workshop straight away. In all honesty, the Bank's resources are somewhat limited as well. You might find it is necessary to start with a smaller jeweler's workshop this year, prove to everyone that it really is sustainable, then aim to expand to your master jeweler's workshop next year."
DM
 GM, 3779 posts
Fri 26 Jun 2020
at 14:55
Fuzzy: Bank of Abadar
A clerk sorts through some papers, before selecting a document and passing it to the banker.
Safiya Vallani
 player, 300 posts
Fri 26 Jun 2020
at 16:55
Fuzzy: Bank of Abadar
In reply to Andalon de Lebeda (msg # 8):

Safiya is thoughtful for a moment before answering a question with a question of her own. "What about a larger loan? One that would allow me to invest more heavily into my operations upstream?"

After running the numbers, a loan of 1.4 BPs would give me the most bang for my buck. At the proposed terms that would come to paying back 0.7 BPs for 3 rounds. Would that be acceptable?

This message was last edited by the player at 16:55, Fri 26 June 2020.

Andalon de Lebeda
 Player, 947 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sat 27 Jun 2020
at 03:04
Fuzzy: Bank of Abadar
The Banker smiled.

"We do have limited resources ourselves at present. We are currently only offering loans up to twice the size you initially asked about."

Basically two loan amounts are currently available (0.5BP or 1.0BP), with a few variations on repayment options:
  1. Borrow 1.0BP, repay 3x0.5BP over 3 turns
  2. Borrow 0.5BP, repay 3x0.25BP over 3 turns (or if you don't like 2 decimal places you can repay 0.7BP over 2 turns or 0.8BP over 3 turns).

Any development opportunities generally cost multiples of 1.0BP or 0.5BP, so you generally wouldn't be able to do anything with odd fractions of BPs anyway until they add up to half or full BPs. If someone really does need a fraction of a BP we can discuss at that time.

Safiya Vallani
 player, 301 posts
Sat 27 Jun 2020
at 07:00
Fuzzy: Bank of Abadar
"Understandable."

Because of taxes, players running strongholds often have to deal with smaller fractions of BPs. In particular, Safiya has 0.6 BPs left for this round, so she would need 0.4 or 1.4 BPs more for something really useful.

Would a loan of 0.4 BPs over three rounds (0.2 each round) be acceptable? I did not propose that earlier as I did not wish to nickle-and-dime you with such small amounts. It would fit my projected income for next round though, as I will have exactly 0.2 BPs leftover then.

~Hargrym Silverhammer
 NPCe, 8 posts
 Stonemason
 Domitius Companion
Sat 27 Jun 2020
at 07:32
Fuzzy: Bank of Abadar
Hargrym scratches at his chin for a moment in thought."Aye I believe that would work also, might be better I suppose in the long run.  Once I have heard from New Dawn I'll confirm our plans.  Torag's grace upon ye" he rose, shook hands and headed out to await developments.
Andalon de Lebeda
 Player, 949 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sat 27 Jun 2020
at 09:03
Fuzzy: Bank of Abadar
In reply to Safiya Vallani (msg # 13):

"Yes, we can certainly do that," the Banker agreed.
Domitius
 player, 371 posts
 Half Elf Fighter/Rogue
 AC:21 HP:38
Sat 27 Jun 2020
at 10:48
Fuzzy: Bank of Abadar
Domitius approached the teller "My good man I would like to enquire about the possibility of opening a line of credit with the Bank on behalf of Winter Sun Merchants.  We seek to expand our business and support trade throught Midmarch and beyond."
Andalon de Lebeda
 Player, 950 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sat 27 Jun 2020
at 15:44
Fuzzy: Bank of Abadar
"We can certainly set up the necessary paperwork, Mr Domitius, but our resources are somewhat limited at present. I understand that Mr Silverhammer is one of your people and we are already  in talks regarding a loan for a business interest he represents in New Dawn. We would feel morally obliged to share our resources more widely than just one merchant company if there is interest from other people in Midmarch as well. We will need to wait a little while to see who else applies for a loan before we could commit to a further line of credit for Winter Sun," the Banker relied.
Safiya Vallani
 player, 302 posts
Sat 27 Jun 2020
at 16:43
Fuzzy: Bank of Abadar
In reply to Andalon de Lebeda (msg # 15):

Safiya steeples her hands. "Excellent. Will you draft the necessary agreement then?"

Loan of 0.4 BPs for 0.2 BPs for the next 3 rounds?
Domitius
 player, 373 posts
 Half Elf Fighter/Rogue
 AC:21 HP:38
Sun 28 Jun 2020
at 12:54
Fuzzy: Bank of Abadar
Domitius blinks a couple of times "I see, well I suppose it would be different if one of your Tusk fellows asked.  Where as if it's someone from the smaller settlements you turn your nose up.  Very well, if that is the way you run things here then perhaps Lord Kendrick should apply.  Good day to you sir. Domitius rose and left the bank.
Adoven
 Player, 700 posts
 HP 40 AC 20 F+2 R+9 W+2
 Rogue / Bard
Sun 28 Jun 2020
at 16:01
Fuzzy: Bank of Abadar
Adoven strolls into the Bank. "Ah, Andalon. Good day to you. Have you a minute to discuss something?"
Andalon de Lebeda
 Player, 953 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Mon 29 Jun 2020
at 14:32
Fuzzy: Bank of Abadar
"Greetings Adoven, it is a pleasure to see you again. Just a moment."

He watched Domitius leave then shrugged and turned back to Safiya.

"Certainly Safiya. I will have the papers drawn up straight away. Consider the loan yours whenever you are ready to put it to use."

Then back to Adoven.

"I've never known it so busy in here but I think we have an opportunity now for that discussion," he agreed.
Adoven
 Player, 703 posts
 HP 40 AC 20 F+2 R+9 W+2
 Rogue / Bard
Mon 29 Jun 2020
at 16:46
Fuzzy: Bank of Abadar
Adoven smiled. So good to be dealing with a professional. "Not a problem, I understand completely. I don't know if you heard, but I bought a mule train and serai in Feyfalls. I need to build a Serai here as well to set up a route, but I fear I've overextended this season. I need to borrow (1 bp), and need to know your terms for repayment?"
Safiya Vallani
 player, 304 posts
Mon 29 Jun 2020
at 17:47
Fuzzy: Bank of Abadar
In reply to Andalon de Lebeda (msg # 21):

"Very well then." Once the proposed agreement has been signed, Safiya nods a farewell and takes her leave. "Till next time."

Done and done.
Andalon de Lebeda
 Player, 955 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 1 Jul 2020
at 16:16
Fuzzy: Bank of Abadar
In reply to Adoven (msg # 22):

"I think we can manage that. The usual terms of the loan would be three repayments over three years (Kingdon turns), each equal to half of what was borrowed, so the total repayment is one and a half times what was borrowed," Andalon explains.
Adoven
 Player, 704 posts
 HP 40 AC 20 F+2 R+9 W+2
 Rogue / Bard
Wed 1 Jul 2020
at 18:15
Fuzzy: Bank of Abadar
Adoven agrees to a loan of 1 bp, repaid by 3 payments of 0.5 bp over 3 turns.
~Hargrym Silverhammer
 NPCe, 11 posts
 Stonemason
 Domitius Companion
Thu 2 Jul 2020
at 13:19
Fuzzy: Bank of Abadar
"Right we will go ahead with the loan, the more work we Silverhammers can find in Midmarch the more likely we will get recognition within the Stolen Lands and maybe a hold of our own." Hargrym replied after taking some notes and comparing figures.
Andalon de Lebeda
 Player, 956 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 2 Jul 2020
at 14:44
Fuzzy: Bank of Abadar
"That sounds good, Mr Silverhammer, but we will just need to double check that you will be able to make the repayments when they are due," the Banker advised as he sat down with Hargrym to go over the dwarf's figures.
~Hargrym Silverhammer
 NPCe, 12 posts
 Stonemason
 Domitius Companion
Thu 2 Jul 2020
at 15:12
Fuzzy: Bank of Abadar
"Oh of course it shouldn't be an issue, House Solanus is underwriting our efforts and will be the owners, we Silverhammer's will of course be running things." he leans in conspiratorially "Great with a blade but not the best brain for these sorts of things which I am sure he would admit."
Andalon de Lebeda
 Player, 957 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 2 Jul 2020
at 16:01
Fuzzy: Bank of Abadar
"House Solanus, yes, I see. I will see about having the papers drawn up."
DM
 GM, 3791 posts
Thu 2 Jul 2020
at 17:37
Fuzzy: Bank of Abadar
A clerk comes forward with the right papers.
Andalon de Lebeda
 Player, 958 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Fri 3 Jul 2020
at 13:55
Fuzzy: Bank of Abadar
Summary of bank loans starting year 4715:
  • Safiya Vallani
  • Adoven
  • Hargrym Silverhammer with Domitius as guarantor

~Hargrym Silverhammer
 NPC e, 21 posts
 Stonemason
 Domitius Companion
Wed 16 Dec 2020
at 20:25
Fuzzy: Bank of Abadar
Hargrym walks in too the bank, and searches out the banker. "Since the last time we spoke, I have had a bit of good fortune, and I am able to repay my whole debt immediately."
Andalon de Lebeda
 Player, 1087 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 17 Dec 2020
at 15:04
Fuzzy: Bank of Abadar
"Well, thank you very much, Master Silverhammer. Such prompt repayment of your loan will certainly stand you in good stead if you ever wish to apply for another loan from our bank," the Banker replied with a warm smile.
Cyrus Lebeda-Ondari
 Player, 1017 posts
 Lord Ringbridge
 Knight Commander
Mon 21 Dec 2020
at 04:08
Fuzzy: Bank of Abadar
Cyrus had been preparing for this journey for some time. Valoria missed her cousin dearly and had proposed a way to have him visit Ringbridge more often. And so it was with a broad smile on his face, knowing he was acting in the best interest of his family and the burgeoning town of Ringbridge, that he opened the doors to the Bank of Abadar and asked the clerk to see Andalon.

When the man appeared, Cyrus greeted him with a strong handshake, grabbing Andalon’s right hand with his own and his right forearm with his left hand, signifying the trust and bond they had formed over the years. “It has been too long cousin. You look well. And this,” he let his left arm leave Andalon’s forearm and spread his hand around him gesturing to the interior of the bank, “Well clearly you have done well for your lord, my good man. Valoria sends her love and she ordered me to beg you to pay us a visit at your convenience, of course, to see our boy. He is quite the young tot now.”
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.
~Gaius Senas
 NPC e, 6 posts
Wed 23 Jun 2021
at 11:29
Fuzzy: Bank of Abadar
Gaius once again shows up with gold to repay the loan taken by the Vallani holdings. "Good day. Mistress Vallani has sent me to settle her debt towards the bank of Abadar. I believe you will find all of the remaining payment here."

Paying back the rest of the debt for Safiya Vallani in total, 0.4 BPs. I know the terms were 0.2 BPs this round and the last 0.2 BPs next one, but since I have exactly 0.4 BPs left over this round, I might as well clear the whole thing now.

"She also asked me to inquire of potential future line of credit. Can a new loan be taken at this point?"

Now that the old loan is settled, would a new 1 BP loan be possible? 1 BP is a maximum available, right?
Andalon de Lebeda
 Player, 1189 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 23 Jun 2021
at 14:53
Fuzzy: Bank of Abadar
"Thank you for that repayment, Master Gaius. I expect that we will be able to offer another loan shortly, although we may have to send a few letters reminding our other customers that their repayments are due before we actually have funds available for loan. Yes, our policy is generally only a 1 BP loan unless we have more funds available than there are people wishing to borrow."
~Gaius Senas
 NPC e, 7 posts
Thu 24 Jun 2021
at 14:07
Fuzzy: Bank of Abadar
"That would be perfectly fine, I assure you. When will you know if a deal can made?"

Er, is that a yes? Or a maybe?
Andalon de Lebeda
 Player, 1190 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Thu 24 Jun 2021
at 15:38
Fuzzy: Bank of Abadar
"Quite soon, I expect."

OOC: Gaius, you can assume that a 1 BP loan will be available. This weekend I will work out who owes what and remind them what needs to be repaid now.
~Gaius Senas
 NPC e, 8 posts
Fri 25 Jun 2021
at 11:38
Fuzzy: Bank of Abadar
"Excellent. I'll be staying in Tusk for a while, so please let me know when we can sign the agreement." If there is nothing more to settle, Gaius sets to leave for now and return later when the contract can be signed.

Alright then, we can agree on 1 BP loan at the usual conditions. Assuming everything goes well, would it be ok if we just assume this deal settled?
DM
 GM, 4757 posts
Fri 25 Jun 2021
at 11:47
Fuzzy: Bank of Abadar
PM
~Darius
 NPC e, 35 posts
 Scribe, Carouser
 Councilor: Aeris Estates
Fri 25 Jun 2021
at 16:50
Fuzzy: Bank of Abadar
Darius walked up to the first teller he saw free, "Hello, I am here on behalf of Lord Aeris to pay back the first installment of his loan."

Paying back 0.5 BP
Adoven Lodovka-Sud
 Player, 1046 posts
 AC 22 F+3 R+10 W+3
 Rogue / Bard, HP 45/45
Sun 27 Jun 2021
at 08:33
Fuzzy: Bank of Abadar
Adoven comes to the bank with a pair of bodyguards and a heavy satchel. He approaches the Bank Manager. "As per our agreement, I am here to pay three installments on my three loans."


OOC: Paying 1.5 bp as part of Loan Repayment agreement.
DM
 GM, 4764 posts
Sun 27 Jun 2021
at 08:54
Fuzzy: Bank of Abadar
OOC:

I have recorded repayments by Safia, Marik and Adoven, and a new loan of 1bp to Safiya (repaid at 0.5 over 3 rounds).
Andalon de Lebeda
 Player, 1192 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sun 27 Jun 2021
at 15:45
Re: Fuzzy: Bank of Abadar

Current loans as at year 4717 4716:
Safiya:
Adoven:
Marik:

The Bank currently has another 1.7BP available for loans. The preference will be to offer loans of up to 1.0BP to people who do not already have a loan, but if there is low demand from new borrowers those funds may become available to existing borrowers as the planning for this Kingdom turn draws to a close.

This message was last edited by the player at 15:58, Sun 27 June.

Kiera Raincutter-Solanus
 player, 320 posts
Tue 29 Jun 2021
at 14:52
Re: Fuzzy: Bank of Abadar
Feeling a little cowed, Kiera would walk into the bank, uncharacteristically quiet as she waited to talk to someone free.

When one of the tellers would be free, she’d walk up and wait to be noticed- one didn’t get on the bad side of Abadar if you could help it- and made her intentions known.

“Uhm… hello… I’d like to enquire about a loan, if I may?”

OOC: Kiera is seeking a loan of 0.5 BP, but I’ll take a whole BP if the half is undoable.
Andalon de Lebeda
 Player, 1193 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Tue 29 Jun 2021
at 15:56
Re: Fuzzy: Bank of Abadar
One of the tellers looked up and smiled encouragingly when Kiera approached.

"Good morning, madame. I am sure we will be able to help you. Let me explain how the loan process works ..."

OOC: Basically two loan amounts are currently available (0.5BP or 1.0BP), with a few variations on repayment options:
  1. Borrow 1.0BP, repay 3x0.5BP over 3 turns
  2. Borrow 0.5BP, repay 3x0.25BP over 3 turns (or if you don't like 2 decimal places you can repay 0.7BP over 2 turns or 0.8BP over 3 turns).

Kiera Raincutter-Solanus
 player, 321 posts
Tue 29 Jun 2021
at 16:18
Re: Fuzzy: Bank of Abadar
She takes a quick thought- estimating how much the plans she had in mind would cost- and then nodded.

“I’m doubting I’m going to need too much- better to not take too much. But I’d like to take a loan out to help cover the costs of financing a second tavern of mine. The proceeds from my first should be enough to make sure I can cover the payments, no problem.”

It wasn’t in her mind to mess around with anything- and those who got in over their head with things tended to lose it all.

OOC: 0.5 BP with terms of 0.25 due the next three turns would be very acceptable.
Andalon de Lebeda
 Player, 1204 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sun 4 Jul 2021
at 06:23
Re: Fuzzy: Bank of Abadar
The teller had been distracted by a disturbance outside the bank but finally Kiera had his full attention again.

"I'm sorry about that, madame. I thought for a moment ... well, never mind. Everything is under control, as always. We can certainly provide the loan you require. I will have the papers drawn up straight away for you to sign," the teller said with a smile.

It only took about half an hour after that for the contract to be written and signed. After that Kiera could choose to take the loan in cash, if she wishes, although a letter of credit issued by the bank might be a more practical option until she needs to pay for construction of the new tavern. Either way, Kiera now has access to the funds she requested.

OOC: Borrow 0.5BP, repay 3 payments of 0.25BP over the next 3 turns.
Kiera Raincutter-Solanus
 player, 324 posts
Tue 6 Jul 2021
at 06:14
Re: Fuzzy: Bank of Abadar
Taking her time to make sure everything was signed, sealed, and delivered, Kiera rises and gives a gracious nod to the teller, and walks out with her letter of credit.
Andalon de Lebeda
 Player, 1219 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Tue 20 Jul 2021
at 15:03
Re: Fuzzy: Bank of Abadar
Notes about other loans:
  • Kiera's loan was subsequently increased to 1BP to cover an upgrade from Shrine to Great Shrine as part of her development in Stadium district, with 3 payments of 0.5BP over the next 3 turns.
  • The Bank has agreed to give Tusk City Council a small interest-free loan of 0.1BP to cover a small shortfall in funds currently available to the City for the list of works being undertaken by the City this year. The City will repay that 0.1BP in full next turn.