A Warlock Alone, Island Empire solo game

Banking

The bill does arrive following a gesture from Gustav. The 10 gold proves more than adequate despite a 'seasonal' surcharge. After stroll down to the boat the ride back proves only slightly unpleasant as the heat and humidity are on the rise. A flask of chilled wine and juice 'to go' wisely acquired by Gustav and a shade draped over poles on the boat provide welcome cooling. You find yourself back at the port after a short ride. Gustav leads you to a door previously unnoticed in the halls of the Port Authority. While the door is marked with carvings in a nautical motif that looks vaguely familiar their is no sign. Gustav opens the door which leads into a small cool chamber with heavy wood paneling and a thick crown molding decorated with a pattern making it look like a thick rope. Continue magical flames burn on each wall in decorative gimbal mounts like those common on ships, but completely unnecessary on land. While you are clearly in a building on land the details of the room are designed to give the feeling of being aboard a fine ship. There is one other door in the room. Next to it a man in uniform stands at attention holding a halberd at port arms. His uniform takes styling cues from that of the Imperial Marines, though without any official insignia. There is a desk in the room and a man rises from behind it. He is a tall fit human of perhaps 50 with greying temples and a well tailored dark suit that you suspect was made in the fine shops of the Western Reach. His coloration suggests he could be from the Reach as well though his greeting comes without accent as he shakes Gustav's hand. "Good Morning Gustav, always a pleasure to see you." The Port Authorty returns the greeting warmly. The bank man turns to you with hand extended. "Captain Stormwarden I presume? A pleasure to meet you sir. I am Mr. Trilby. Welcome to the Imperial Captain's Bank." He smells mildly of shaving lotion and soap. Michael can't help but notice that he is being looked over carefully. Trilby wears a thick silver ring lined with arcane runes and there is an obvious wand protruding from his jacket. Given the fine tailoring of the suit it seems likely the wand is visible by design. He motions to a large guest book on his desk. "If you'll be so good as to sign in I'll let Mr. Nicklebee know your here." The Guest book is thick bond linen paper bound in smooth leather and printed with a tasteful green lines and scroll-work. A carefully folded cover sheet is clipped to the open page and a decorative yet substantial weight lays in the center of the book to keep pages from 'accidentally' being turned, thus protecting the privacy of the customers. A quality pen in a marble inkwell stands ready.
 

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The inner sanctum

Trilby checks the signature, and then giving a moment to dry adjusts the cover sheet with care to cover it. He then manipulates something behind the desk and goes to the door saying, "A moment if you please." The door opens from within and he steps though. After a wait of only about a minute, Trilby returns. "Right this way Captain." He opens the door more widely and motions you in. Another similarly attired guard awaits beyond the door and there is a grate in the ceiling just before the door. Gustav accompanies you while Trilby closes the door to return to his desk. This room proves to be larger and equally well lit as well as nuatical in style. The the left sits a dwarf dressed as a clerk behind a desk and before a wall of oak file cabinets possessed of stout looking locks. In the center is a teller's cage with only one window. To the right are three doors. Before one of them stands an female halfling secretary. She holds the center door open. "Right this way gentlemen." Beyond her is a well appointed office. Three comfortable looking chairs face a desk of dark wood beside which stands a halfling of late middle age in well tailored clothes. His trousers are Purple with a cream stripe--Imperial colors while at his left breast there is a gold Imperial seal stamped into the fabric. He comes from the desk and shakes Gustav's hand. Gustav exchanges a few pleasantries asking after family and mutual aquaintences as is the custom with halflings before getting down to business. Gustav answers questions about his own family and friends and then he says, "Mr. Nicklebee may I present Captain Michael Stormwarden of the Retribution. Soon to be fleet Captain I might add." The halfling extends a surprisingly firm handshake. "Very good to meet you Captain. Can I have my secretary bring you anything? Coffee, Tea perhaps?" He motions you to a chair and takes his place behind the desk. You note that while comfortable the chair is rather low and the desk and chair behind it designed to put you at eye level with your diminutive host. Gustav says, "I really must get back to the Port. I'll leave you two gentlemen to business. Captain, shall I have my friend in Real Estate call upon you this afternoon or perhaps tomorrow?"
 

Conservations

"Yes a cup of coffee would be most welcome" Michael reples. Then turning to Gustave "As always i seem to be in your debit..this afternoon will be just fine."
 

Addressing the secretary, Mr. Nickelbee says, "Two please, bring cream and sugar on the side." With a final nod Gustav departs. Mr. Nickelbee waits until the coffee is delivered and Michael has fixed a cup to his liking to move from the weather to business. "Now Captain, tell me what the Imperial Captain's bank can do to serve you today. When Gustav contacted me yesterday I took the opportunity to check our records. So far as my records indicate you've had no previous relationship with any of the Imperial Captain's Bank locations. If this is somehow in error please enlighten me and I'd be happy to make a request directly to the institution in question." He says this last in a way that suggests he knows perfectly well there is no error. The concept that the ICB simply doesn't make such errors is deeply ingrained in the little fellow.

OOC: You just knew it was gonna be a halfling didn't you? :eek:
 

Conservations

Non Plussed, Michael simply comments. "No your records are indeed correct, to date I have had no dealings with the Imperial Captain's Bank. I feel though that with the addition of six to seven ships within the next 12 to 18 months, it is time that I take this step as the needs of local banks and even regional banks may prove indeaquate to my needs. Thus my appeareance on your doostep thru the good offices of Master Gustave"


OCC: I was refraining from commenting
 


Conservations

"That is the 64 gold piece question actually sir"...pausing to sip his coffee Michael will add "Intially, I think just opening a deposit account to hold my surplus funds as well as part of the company's reserve liquidity. My factor here on Terge has authority to draw against the corporate account at the Miner's Trust on Axipolis but if things go according to schedule, I fear I will be far afield when he will need additional funds. So i guess I will actually need to establish a line of credit of say perhaps 100,000 gold pieces from which i can have funds transfered via your good offices to the Axipolis account. I am sure you can understand why it is necessary to keep my factor from drawing funds only as they are needed. And I am quite sure that as I make additionaly deposits into the surplus account and the reserve account you will have access to the ledger balance so it may not even be necessary for us to access the line of credit. But better to be cautious and dot all the i's rather than leave things to chance." Taking another sip of coffee Michael will add "I almost forgot, if it is possible I will need to estabish a third account from which Chieftian (insert name) can make depostis and draw the odd check in regards to our business matters here, but i assure you it will be on a very limited basis, no more than 10,000 in blance at any given time"
 

Bankers ya gotta love em!

"Very good, I think we can accommodate such requests with a few conditions of course. We open unsecured lines of credit at 3% annual interest, but only up to double your deposit holdings. You can get a line of up to 4 times deposit holdings at 5% interest." He takes a quick sip of coffee, "So I'll need a minimum deposit of 27,500 gold pieces to open the line at 5% or 55,000 if you want a 3% account. Now we offer secured lines at 2% at up to 110% of value as assessed by our people." Holding up a finger he adds, "of course we require the property to be insured, especially in the case of vulnerable properties like ships and coastal developments. We offer such insurance at modest rates depending on assessed risk."
 

Conservations

"Most excellent terms, I shall deposit 30,000 @ 5 percent giving a intial line of credit of 120,000, as well as two accounts for 5,000 each at 5 percent securing two additionaly lines of credit at 20,000. The first of the smaller accounts I wish to have earmarked for construction puropeses...the second I will need to have the Chieftians name as well as that of Ambar of Kotu added to the account as it will be for business investments here on Tergere. How long are the loans amortorized for so i can keep a rough ideal on the payments."
 

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