Fuzzy: Bank of Abadar.   Posted by DM.Group: 0
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 2021.

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, shed walk up and wait to be noticed- one didnt get on the bad side of Abadar if you could help it- and made her intentions known.

Uhm hello Id like to enquire about a loan, if I may?

OOC: Kiera is seeking a loan of 0.5 BP, but Ill 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.

Im doubting Im going to need too much- better to not take too much. But Id 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 wasnt 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.

Kiera Raincutter-Solanus
 player, 357 posts
Sat 4 Dec 2021
at 19:15
Re: Fuzzy: Bank of Abadar
Kiera walks into the bank, with a bag of gold tucked under her arm and ready to drop it off, as soon as she can find a teller open and ready.

"Just dropping off my loan payment, as I agreed to."

Making the first of my three loan payments of 0.5 BP.
~Aranel Romanese
 NPC e, 10 posts
Fri 10 Dec 2021
at 13:30
Re: Fuzzy: Bank of Abadar
Aranel Romanese, the councilor of Safiya Vallani likewise arrives at the bank to make the first payment on the Vallani loan. "I take it everything is in order?"

Paying back first 0.5 BPs, 1 BP remaining.
Andalon de Lebeda
 Player, 1256 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Fri 10 Dec 2021
at 14:17
Re: Fuzzy: Bank of Abadar
The bank tellers welcomed both Kiera and Aranel with all the courtesy due to valued and respected customers. Their payments were duly recorded and receipts issued for both of them.

"Thank you madam. Yes, everything is in order. If you happen to hear of anyone else who could benefit from a loan this year we would certainly welcome their business, too."
Adoven Lodovka-Sud
 Player, 1105 posts
 AC 22 F+3 R+11 W+4
 Rogue / Bard, HP 38/51
Fri 10 Dec 2021
at 18:03
Re: Fuzzy: Bank of Abadar
Entering with a leather satchel and a few coin bags, Lord Adoven makes his way to the Bank Manager. He says "here are the loan repayments for this year, as per our agreement. You will find minor deeds ceded to the Church for future expansion as well as coin."

Repaying 1.0 bp this turn. I figure it'd be both coin and land. Only 0.5 bp to be repaid next Year remains
Adoven Lodovka-Sud
 Player, 1114 posts
 AC 22 F+3 R+11 W+4
 Rogue / Bard, HP 38/51
Tue 14 Dec 2021
at 15:14
Re: Fuzzy: Bank of Abadar
As he is finishing his transaction, a messenger comes to Adoven. He peruses the message and purses his lips in thought for a moment. He then turns to the bank manager and says "those securities I emplaced in Trust last year....it seems that V&A managed our expansions without them. If you are amenable to the idea, I will sign them over to the bank to complete our repayment of the numerous bank loans we took out in years past."


OOC We had 0.5 bp banked. We will use that to repay the 0.5 bp owed for past loans. Normally it shows as being needed to be paid Next Turn, but I had an extra 0.5 bp so I'm paying it off.
Andalon de Lebeda
 Player, 1262 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 15 Dec 2021
at 14:21
Re: Fuzzy: Bank of Abadar
The bank manager smiles and bows courteously as he accepts the repayments from Adoven.

"Thank you, Lord Adoven. That is most satisfactory. If we can be of service again in future, please do not hesitate to visit us again."
~Gedd
 NPC p, 34 posts
 Gedd Roth
 Half-orc archer
Tue 21 Dec 2021
at 15:08
Re: Fuzzy: Bank of Abadar
Gedd Roth is recognised by quite a few folk around town as the half-orc usually found either serving behind the bar or taking turns with his sister Berta as bouncer at the door of the Dragon's Den.

When he turns up at the Bank of Abadar asking about a loan, the only surprise is that he is the member of the Roth family that is doing the asking.

"You see, we just need a small loan (only 0.2BP) to top up our own funds to build a Tavern out by Shrike Bastion. We figure the troops stationed at that bastion, together with fisherfolk working the lake and the occasional boats travelling on the Shrike River will provide enough customers to make a tavern workable out there. We would easily be able to repay the loan in full next year."
DM
 GM, 5249 posts
Fri 17 Jun 2022
at 09:19
Re: Fuzzy: Bank of Abadar
New Campaign Round

This message was last edited by the GM at 12:32, Fri 17 June.

Andalon de Lebeda
 Player, 1318 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sun 19 Jun 2022
at 08:26
Re: Fuzzy: Bank of Abadar

The Bank currently has 3.5 BP 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 12:43, Mon 20 June.

DM
 GM, 5255 posts
Sun 19 Jun 2022
at 09:11
Re: Fuzzy: Bank of Abadar
PM
~Darius
 NPC e, 36 posts
 Scribe, Carouser
 Councilor: Aeris Estates
Tue 21 Jun 2022
at 15:25
Fuzzy: Bank of Abadar
Darius walks up to the bank manager with a friendly smile, "Hello, I am here on behalf of Lord Marik Aeris. He would like to balance the balance of his debt to the Bank."

OOC: Paying the last 0.5 BP owned on his loan
Andalon de Lebeda
 Player, 1322 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Tue 21 Jun 2022
at 15:48
Fuzzy: Bank of Abadar
"Thank you, Darius. It is always a pleasure to do business with House Aeris."

The bank now has a total of 4 BP available for loan.
~Aranel Romanese
 NPC e, 11 posts
Tue 21 Jun 2022
at 20:54
Fuzzy: Bank of Abadar
Aranel, the Vallani councilor again arrives at the bank to make the another payment on the Vallani loan. "Until next year then?"

Paying back 0.5 BP, 0.5 BP remaining.
Andalon de Lebeda
 Player, 1323 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Wed 22 Jun 2022
at 12:42
Fuzzy: Bank of Abadar
"Thank you Aranel, it is our pleasure to continue doing business with you and Lady Safiya."

The bank now has a total of 4.5 BP available for loan.
~Brother Florin
 NPC p, 53 posts
 Canon at Cathedral of
 Abadar in Tusk City
Sun 26 Jun 2022
at 13:15
Fuzzy: Bank of Abadar
Brother Florin walks into the Bank of Abadar in Tusk and approaches the bank manager.

"Good morning. I am here on a personal matter, rather than anything directly connected with the Church of Abadar. I have already established a museum over in the College District and I would like to develop an art gallery there, as well. I already have half of the funds required but would need to borrow 1 BP to make up the balance. The museum already generates an income of 0.5 BP, which I believe would cover the repayments due on that loan. Do you think that would be all right?" he asks a little nervously.
Andalon de Lebeda
 Player, 1327 posts
 Bishop at Cathedral of
 Abadar in Tusk City
Sun 26 Jun 2022
at 14:12
Fuzzy: Bank of Abadar
The bank manager smiles warmly at Brother Florin.

"That sounds like a wonderful idea. I have a niece who is a student at the Three Ladies' School near there. She and several of her friends are keen artists and, if I may say so, quite talented, too. I think the Bank could manage to offer a small prize for an art competition next year, if you would be willing to display the entries for a month or so before the judging?

"Oh, that doesn't affect the terms of the loan, of course. A loan of 1 BP would need to be repaid with interest - a total of three repayments of 0.5 BP per year over the next three years, but I am sure you already knew that, Brother Florin."