• Location • Rharne Bank

A prominent bank owned and run by the Merchants Guild.

Seated on the shores of Lake Lovalus, Rharne serves as the home of the Lighting Knights, the Thunder Priestesses, and the Merchant's guild. This beautiful trade city is filled with a happy and contented people who rarely need an excuse to party.

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Rharne Bank

Rharne Bank
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The Rharne Bank is located in the Glass Quarter and, much like its beautiful surroundings, the building itself is quite striking. Round, vaulted ceilings, ornate pillars, large windows, and skylights are only a few of its defining features. The interior gleams as though it is brand new, despite having been built several centuries earlier, with marble tiles and stone walls. Tapestries representing the Merchant Guild’s colours – red, navy, and gold - hang from the ceilings and lead to an easily accessible, albeit slow-moving, front desk. On any given day, the building is filled with Rharnians chattering in a long line-up as they wait their turn for service.

The bank’s vault and collection of private safes is located in the back of the building through a long, torch-lined hallway that tunnels into the heart of the mountain. This is where security is highest, and only guards & employees with the proper access and accompanied customers may even step foot into the hallway. It is rumoured that the entrance to the vault is haunted by the wisps of foiled thieves, though this has yet to be publicly proven.

The bank is owned and run by the Merchants Guild, and is an integral part of the city’s economy. Much of the deposited money and valuables belongs to business owners and merchants, and the bank itself often invests deposited money in local ventures. That said, there is little to distinguish a law-abiding customer from the criminal element, and members of the Shadow Quarter have been known to hide their goods from the Knights using the bank’s private safe system.

Along with offering personal & commercial bank accounts, the bank is very supportive of small businesses and provides loans to aspiring business owners who require start-up capital - as well as anyone else who might need a bit of help. But buyer beware: they are far less supportive of those who default on those loans, regardless of how successful or unsuccessful the business venture was.

Although there is no insurance on the nel or items stored in the bank – meaning that, should anything be stolen or should the bank go up in flames, the Rharne Bank is under no obligation to replace it – the Merchants Guild is highly motivated to keep their customers’ nel and valuables safe, especially since many of their customers are guild members themselves. They employ a round-the-clock security team of skilled guards and thugs. The guards work internally to ensure that the bank itself is secure, while the more thuggish characters are sent after customers who default on their loans to ensure the bank is repaid one way or another.

In addition to the bank’s internal security team, the Lightning Knights always post at least two city guards outside of the doors and one inside of the bank to deter theft and ensure the safety of the bank’s employees and customers.


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Banking Details

Rules:
  1. It doesn't cost any Wealth Points to open a savings account.
  2. Withdrawals, deposits, and all other services can be accessed at any branch of the bank.
  3. You can make multiple withdrawals from your savings account per season. However, if you make any withdrawals, your seasonal interest may be affected.
  4. This Location is open for you to post in: any and all withdrawals, deposits, loans, and interest calculations must be posted with time stamps below.

Savings accounts

By depositing your Wealth Points in a savings account here, you are agreeing to the rules of the bank (see Rules), and the bank is agreeing to pay interest on your savings.

Interest rates
Interest rates are added seasonally. It is up to you to apply for your seasonal interest; you may do so at the end of each season or on your own schedule, though you are advised to do so seasonally so as not to forget or to make mistakes.

Anyone can put Wealth Points in a savings account. However, only savings accounts with 20 Wealth Points (wp) or more will begin to earn seasonal interest; savings accounts with 19wp or less will not earn interest at all.

For every 20wp you have in your savings account, you will earn 1wp seasonally in interest. This equates more or less to a 5% interest rate. This means that

if you have 20-39wp in your savings account, you will earn 1wp in interest,
if you have 40-59wp in your savings account, you will earn 2wp in interest,
if you have 60-79wp in your savings account, you will earn 3wp in interest,
etc.

To determine the amount of interest you will earn for one season, use the equation
total savings = savings + (savings / 20)
where dividing by 20 represents your account's seasonal interest.

The resulting number of wp will always be rounded down to the nearest Wealth Point.

For example, someone with 32wp in their savings would have
total savings = 32wp + (32wp / 20) = 32wp + 1.6wp = 33.6wp rounded down, or 33wp in their savings after adding 1wp of interest.

And remember, parentheses before addition.

Or use the equation
total savings = savings x 1.05
where 1.05 represents your account's seasonal interest.

As before, the resulting number of wp will always be rounded down to the nearest Wealth Point.

For example, someone with 32wp in their savings would have
total savings = 32wp x 1.05 = 33.6wp rounded down, or 33wp in their savings after adding 1wp of interest.

The next season, they would have
total savings = 33wp x 1.05 = 34.65wp rounded down, or 34wp in their savings after adding another 1wp of interest.

Interest with withdrawals
If you have made withdrawals during the season, you should calculate your seasonal interest using the lowest number of Wealth Points you have had in your savings account during that time.

So, if someone had 50wp in their savings account, withdrew 10wp, and then deposited another 10wp, they would use 50wp - 10wp = 40wp when calculating their seasonal interest.

Bonus
If you don't make any withdrawals from your savings account for a full year, you will earn a bonus of 10wp. This bonus applies to saving accounts which hold less than 20wp.

Loans

By taking out a loan, you are agreeing to pay the bank the amount of Wealth Points you took out for your loan plus interest. The longer you do not pay back your loan, the more interest your loan will accrue.

If you do not make any payments towards your loan for a full year, your Seasonal Wage (earned via your seasonal Wealth Thread) will be seized by the bank until your loan plus interest is paid in full.

Interest rates on loans
For every season that you have a loan out with the bank, the bank will collect interest on your loan. The interest rate on loans is 1wp/season for every 20wp loaned out; this equates more or less to 5% interest seasonally. Loans can only be taken out in multiples of ten Wealth Points, so you may only take out a loan of 10wp, 20wp, 30wp, etc.

To determine the amount of interest the bank will add to your loan per season, use the equation
total debt owed = loan + (loan / 20)
where dividing by 20 represents your loan's seasonal interest.

The resulting number of wp will always be rounded down to the nearest Wealth Point.

For example, someone with a 150wp loan would owe
total debt owed = 150wp + (150wp / 20) = 150wp + 7.5wp = 157.5wp rounded down, or 157wp after adding 7wp in interest.

And remember, parentheses before addition.

Or use the equation
total debt owed = loan x 1.05
where 1.05 represents your loan's seasonal interest.

As before, the resulting number of wp will always be rounded down to the nearest Wealth Point.

For example, someone with a 150wp loan would owe
total debt owed = 150wp x 1.05 = 157.5wp rounded down, or 157wp after adding 7wp in interest.

The next season, they would owe
total debt owed = 157wp x 1.05 = 164.85wp rounded down, or 164wp after adding another 8wp in interest.

Job information

Jobs are available here. To apply for a job, see the city's Job and Wage Request thread.

Player notes

Put notes about the bank from the city's mod(s) to the city's players here.

Change log

Record any changes here that have been made to the bank.
Credit for this template goes to Quio, Pegasus, and Kingdom.
Rharne Bank NPC List

Moderator's Note: Players are welcome to use these NPCs if they're writing about this location.

Findley “Finn” Malone

Image
Race: Human
DoB: 20th of Ymiden, 691
Title: Banker/Teller
Skills: Mathematics: 60, Detection: 55, Intelligence: 50, Business Management: 45, Appraisal (Art): 40

Findley, known as Finn to his friends and enemies alike, stands at 5'10". He is a man who appreciates a fine garment and frequently comes to work dressed in the latest Rharnian styles - or sometimes even styles he's been told exist overseas. His curly black hair is cut and coiffed to perfection, and his dark brown eyes seem to twinkle with jest even while he talks about the most serious of subjects.

Finn is a born and bred Rharnian, son of a prominent merchant family known for their trade in expensive fabrics. He talks loudly, laughs loudly, and is always happy to provide direction, assistance, and unsolicited advice. He is very often the primary point of contact for any customer who wants to open a new bank account, obtain a loan, or withdraw and deposit funds, and can be found behind the bank’s front desk.

When not working, Finn enjoys collecting artwork from local citizens and abroad. He has a small personal collection and can talk about it for breaks if someone gets him going. And if he’s been drinking? It’s nigh impossible to get him to stop.

Serafina

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Race:Human
DoB: 28th of Ashan, 682
Title: Keeper of the Keys
Skills: Discipline: 65, Detection: 60, Mathematics: 55, Unarmed Combat: 50, Stealth: 45, Intelligence: 40
Serafina is the Keeper of the Keys, meaning she is the sole point of contact for anyone who wishes to open or access their safe. She is also the only employee in the bank with full access to the duplicate keys for every safe in the building. There is never any question about Serafina’s discretion. She takes her job very seriously and has never spilled a secret overheard or overseen at a customer’s safe. She is sometimes spoken about by those who know her as if she has the highest level of integrity in all of Rharne, though the truth of this claim is up for debate.

At work, Serafina can usually be found behind the front desk, conversing with customers who wish to open a private safe or rolling her eyes at Finn’s antics. She is always accompanied by two members of the bank’s internal security team when she leads a customer to the vault in order to deposit or withdraw an item from their safe, but is more than capable of defending herself and the bank’s valuables in close-quarter combat. Outside of the bank, she can frequently be found drinking tea in her favourite haunt, Tio’s Tea House.

Dariusz Stanislaw

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Race: Lotharro
DoB: 80th of Zi'da, 669
Title: Head of Security
Skills: Detection: 70, Unarmed Combat: 65, Leadership: 55, Intelligence: 50, Intimidation: 45, Interrogation: 40

Dariusz has an imposing presence. Like many lotharro, he stands tall at 6'6" with a well-muscled frame built from his own blood, sweat, and tears. He has sharp claws in place of fingernails, a thick beard, and canines that become much more threatening when he smiles. A head of brown hair and dark gray eyes complete the man, who walks around the bank with a stride to match his confidence. He typically dresses in loose clothing that he can easily move in, along with heavy leather boots.

As Head of Security for the Rharne Bank, Dariusz prides himself in his ability to keep his finger on the pulse of everything that’s happening regarding the bank. Whether or not he’s truly “all-knowing” remains to be seen, but he hasn’t failed yet. In the two arcs that he has been working for the bank, there have been a grand total of zero thefts (despite several rather high-profile attempts) – and he plans to keep it that way.

On a trial-to-trial basis, Dariusz manages the bank’s internal and external security team with an iron fist. He can usually be found patrolling the bank, managing his employees, and reporting his security findings to the Merchants Guild. When he’s off work, he enjoys taking advantage of Rharne’s many taverns and indulging in the occasional hallucinogen.
Credit: Rumour
word count: 2154
Image

"There is only one thing in the world worse than being talked about, and that is not being talked about."
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Rharne Bank

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Patrick

Name: Patrick Barnall
Date Opened: Saun 717
Deposits: 4,000gn (Saun 717)
Withdrawals: N/A
Interest: 280gn (Saun 717) + 300gn (Vhalar 717) + 321gn (Zi'da 717)
Balance: 4,901gn (includes compound interest)

Bank Accounts (Active)

Yeva of Rharne
Name: Yeva of Rharne
Date: Ymiden 720
Initial Deposit: 20wp
Account Fee:N/A
Comments: There is no cost for opening a savings account (see Rules).
Praetorum
Name: Praetorum
Date: Ymiden 721
Initial Deposit: 20 WP
Account Fee: None
Comments: None
To open an account, deduct the account fee from your ledger, make a note about the deposit, & submit your request to this thread using the following form:

Code: Select all

[b]Account Request[/b]

[b]Name[/b]: 
[b]Date[/b]: 
[b]Initial Deposit[/b]: 
[b]Account Fee[/b]: None
[b]Comments[/b]:
To deposit or withdraw funds from your account, please make a note on your ledger & submit your request to this thread using the following form:

Code: Select all

[b]Account Withdrawal/Deposit[/b]

[b]Name[/b]: 
[b]Date[/b]: 
[b]Deposit Amount[/b]: 
[b]Withdrawal Amount[/b]:
[b]Comments[/b]:
Credit: Format borrowed, with adjustments, from Kingdom.
Outstanding Loans
Old Stuff

Rorom

Name: Rorom
Date of Loan: Cylus 718
Original Loan Amount: 260gn
Outstanding Loan Amount: 260gn as of Cylus 718
Loan Purpose: Buying a rowboat and pair of oars, for ferrying passengers around Lake Lovalus (Ferryman Job)
Repayment Plan: 281gn by Ashan 718
Loan Repayments: TBD

Theo

Name: Theo Nji'Ryn
Date of Loan: Saun 717
Original Loan Amount: 4,500gn
Outstanding Loan Amount: Saun:Nil
Loan Purpose: Business
Repayment Plan: Repay by Cylus 718
Loan Repayments: PAID IN FULL

Active Loans

Name: Praetorum
Date of Loan:Ymiden, Arc 721
Loan Amount: 40 WP
Loan Purpose: Starting up a mercenary company in Rharne
Repayment Plan:
Repay 0 WP at the end of Ymiden (40 [loan] + 2 [interest] - 0 [payment] = 42 [remainder])
Repay 15 WP at the end of Saun (42 + 2 - 15 = 29)
Repay 15 WP at the end of Vhalar (29 + 1 - 15 = 15)
Repay 15 WP at the end of Zi'da (15 + 0 - 15 = 0)
Comments:

If you would like to take out a loan, please make a note on your ledger & submit your request to this thread.


Example

Name: Thomas
Date of Loan: Ashan 717
Loan Amount: 20 WP
Loan Purpose: More land for farming.
Repayment Plan: Paid back in full by the end of the season (Ashan 721).

Code: Select all

[b]Loan Request[/b]

[b]Name[/b]: 
[b]Date of Loan[/b]:
[b]Loan Amount[/b]: 
[b]Loan Purpose[/b]: 
[b]Repayment Plan[/b]:
[b]Comments[/b]:
To partially or fully repay a loan, please deduct the amount from your ledger & submit your request to this thread using the following form:

Code: Select all

[b]Loan Repayment[/b]

[b]Name[/b]: 
[b]Date[/b]: 
[b]Repayment Amount[/b]: 
[b]Comments:[/b]
Credit: Format borrowed, with adjustments, from Kingdom.
Private Safes

Patrick

Name: Patrick Barnell
Date of Deposit: Ymiden 717
Safe Size: Medium
Item(s) Deposited: N/A. All items withdrawn on the 45th of Zi'da, 717.
If you would like to open a private safe, please deduct the fee from your ledger, make a note on your items list, & submit your request to this thread using the following form:

Code: Select all

[b]Safe Request[/b]

[b]Name[/b]: 
[b]Date of Deposit[/b]:
[b]Safe Size[/b]: (small, medium, large)
[b]Item(s) Deposited[/b]: 
[b]Safe Fee[/b]: (-10gn, -20gn, -30gn)
[b]Comments[/b]:
To deposit or withdraw an item from your safe, please deduct the withdrawal fee from your ledger (if appropriate), make a note on your items list, & submit your request to this thread using the following form:

Code: Select all

[b]Safe Withdrawal/Deposit[/b]

[b]Name[/b]: 
[b]Date of Withdrawal/Deposit[/b]: 
[b]Item(s) Withdrawn[/b]:
[b]Withdrawal Fee[/b]: -2gn 
[b]Item(s) Deposited[/b]:
[b]Comments[/b]:
Credit: Rumour
word count: 657
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"There is only one thing in the world worse than being talked about, and that is not being talked about."
Office | Rharne | Rharne Lore | Lightning Knights | Thunder Priestesses | Merchants Guild
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Kherron
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Rharne Bank

Loan Request

Name: Kherron
Date of Loan: Ymiden 717
Loan Amount: 2500gn
Loan Purpose: To build a business!
Repayment Plan: (OOC: I'm not exactly sure what's feasible so I hope to repay it by the end of the year.)
Comments: Pretty please!
 ! Message from: Pegasus
Approved. Please see above for loan repayment etc
word count: 54
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Patrick
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Safe Request

Name: Patrick Barnell
Date of Deposit: Ymiden 1 717
Safe Size: Medium
Item(s) Deposited:
-Orimatsun Ceremonial Dagger
-Orimatsun Ancient Book
-Pendant: Silver Chain, Celtic Knot
Safe Fee: -20gn
Comments: May as well put one to use after all.
 ! Message from: Pegasus
Approved! See above
word count: 46
"Freedom is everything."


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Theo Nji'Ryn
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Loan Request

Name: Theo Nji'Ryn
Date of Loan: 1st Saun 717
Loan Amount: 4,500 gn
Loan Purpose: Opening and equipping a brothel, salaries, etc
Repayment Plan: Cylus 718
Comments: N/A
 ! Message from: Peg
Approved! See above!
word count: 38
Every crowd has a silver lining.
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Pegasus Pug!!!
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Rharne Bank

All Up To Date!


Thank you for your patience. Up to date. I will update again 1st Vhalar, so make sure to get those loan repayments in before I hit you with more interest!
word count: 34
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~~Red in hoof and claw... ~~


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Patrick
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Account Request

Name: Patrick
Date: Saun 1 717
Initial Deposit: 4,000 GN
Account Fee: -10gn
Comments: Had to give you something else to add. :P Love you Peg!!!
 ! Message from: Pegasus
Approved! Muahahahaaa!
word count: 32
"Freedom is everything."


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Theo Nji'Ryn
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Loan Repayment

Name: Theo Nji'Ryn
Date: Saun 20, 717
Repayment Amount: 4500 gn
Comments: Paid in Full
 ! Message from: Pegasus
Approved!
word count: 21
Every crowd has a silver lining.
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Rharne Bank

]
All Up To Date!


Up to date. I will update again 1st Vhalar, so make sure to get those loan repayments in before I hit you with more interest!
word count: 29
Image
~~Red in hoof and claw... ~~


Family visiting. Send help!
User avatar
Patrick
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 ! Message from: Rumour
Safe inventory updated!
Safe Withdrawal/Deposit

Name: Patrick Barnell
Date of Withdrawal/Deposit: Zi'da 45 717
Item(s) Withdrawn:
-Orimatsun Ceremonial Dagger
-Orimatsun Ancient Book
-Pendant: Silver Chain, Celtic Knot
Withdrawal Fee: -2gn
Comments: It's time to put these to use.
word count: 45
"Freedom is everything."


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