A Warlock Alone, Island Empire solo game

[J. Alexander]

Conservations

Pausing as if to reflect on his statment Michael continues "I may as well get it all done now so as not to have to come back multiple times so if you have the time, lets go ahead and create ship accounts for the other ships and their masters...I will need the following accounts created:

Storm and Company : 30,000 deposit, 120K line of credit with MIchael and Grond on the account.


The Bountiful Endeavor: 5,000 deposit, 20k line of credit with the Lo'dasse Imparrell as Ship's Captain and Michael and Grond on the account as well.

The Respite: 5,000 deposit, 20k line of credit with Harris Mangrun as Ship's Captain and Michael and Grond on the account as well.

Port of Tergere Account : 5000 deposit 20k line of credit with Padar Losin and Michael and Gronds name on the account.


Bountiful Enterprises: 5000 deposit 20k line of credit with Michael, Ambar and the Chieftian on the account.

 

[Scotley]

"I believe we can arrange that Captain. On accounts of this type we only run out to 5 years. For fully secured accounts we can go out to 25 years if you'd like to put some of your assets up for collateral. Payments are required at the first of the month once you draw upon the account. There will be a 200 gp origination fee for setting up the accounts to a total line of 200,000 gp. Plus an additional charge of 10 gp for each account and account holder beyond the first. So that will be another 110 gp, so I'll need a total of 50,210 gp to get things started." He pauses, "and I'll need each account holder to come in and prepare a signature card, have a physical description taken and memorize personal access numbers for each account. We require anyone accessing an account to provide us their account number and there is a unique account number for each holder of the account as a security precaution. I strongly suggest that you never write down or give our your personal numbers."

 

[J. Alexander]

Conservations

"I shall have the officers call upon you tomorrow morning if that is convient for you...as to the chieftian, I will inform him that the matter awaits his attention." With a sigh, Michael will hand over the draft for 50,000 gold pieces from the halfling merchant he recevied in Mermaid's rest and will pay the 210 out of his purse. Reflecting on the statement made by the banker, Michael will say,"For the moment I dont think the shipyard here would be worth much of a mortgage, but I would appreciate and pay for an assessment of the shipyard and the three ships for both insurance and loan values"

 

[Scotley]

He takes the draft and the coin counting carefully. He examines the draft and notes that "It will take about a week to verify the draft. Once that is done we can begin dispersements on the accounts as needed, though I warn you we don't keep that volume of coin on hand here in Tregere and would need to issue drafts or request coin from a larger branch." He considers the request, "Certainly, I would be happy to have the properties appraised and give you a quote on an insurance policy as well." With a snif he adds, "Please have Captain's Imparell and Harris make appointments to come in. If it would more convienent, I would be happy to send a representative to you in order to facilitate the signatures, descriptions and accounts. My man could also pay a visit to Fa'Mallathent as well." It seems clear that the banker's office is generally for Captains and perhaps important officers, but that he prefers to let underlings handle other business.

 

[J. Alexander]

Conservations

"Thank you, I would deeply appreciate it if your man could indeed meet us on the morrow to conclude the details. As for the coin, there is no need for sucha a large influex which would distort the local enconomy somewhat...two of the ships will not be ready to draw on their funds for perhaps the next 6 months or so..and both the ship that is currently being outfitted and the shipyards have enough on deposit with local banks to see them thru for the same amount of time. These are intended to be reserve accounts for the placement of profits and those monies not required for the purchase of normal trade goods. After all I would hate to have the bank bothered with minor trivial and routine matters."

 

[Scotley]

Banking Details

"Very good sir, what time should we call upon you and your crew?"

 

[J. Alexander]

Conservations

"How about 9 am or so, right after breakfeast".....Michael will then thank the man for his assistance and make his way out of the offices and head back to the ship.

 

[Scotley]

Business Concluded

Michael makes his way out after being assured that a representative of the bank will present himself promptly at 9:00 and getting a friendly halfling send off. Grond has found a comfortable place in the shade where he could watch the bank door and the approaches. Making their way out into the still warm damp air of the city Grond asks, "Well boss how'd it go?"

 

[J. Alexander]

Conservations

Looking at Grond he says "It went well, needless to say we are once again broke in regards to immeidate liquidty but we have established multiple lines of credit should the need arise" As they walk back, Michael will explain the details to Grond "In fact I should have you added to all the accounts, but we can do that in the morning...please remind me to do so"

 

[Scotley]

While it is getting warm Michael and Grond stride with glad hearts in the bright morning sun. Tregere bustles with activity as people go about their daily tasks. "Certainly, well in that case I suppose we should get out and find a way to make a profit. Though I guess we'll have to go inspect the work being done at the new docks and see what other expenses have arrisen?"