3e. Choose Equipment 
Edit
 First level characters use the standard procedure for choosing equipment: You start with 100gp and may use any of the 
approved sources for making purchases. 
Characters beyond first level receive additional resources in addition to the initial 100gp allocation. We use a 
parcel system  that roughly represents the treasure your character would have earned  adventuring: For each level gained after the first, you gain a treasure  parcel in addition to some gold. There are five treasure parcels to  choose from: 
 
-  A magic item of level n+1 (where n is the level where you gained the parcel)
 
-  An item of level n+2
 
-  An item of level n+3
 
-  An item of level n+4
 
-  An amount of gold equal to the cost of a level n magic item
 
 For example, a second level new PC gains a parcel at level 1; they  may choose either a 2nd, 3rd, 4th, or 5th level magic item or 360gp, the  cost of a 1st level magic item. 
In addition to the parcel, you receive gold equal 1/5th the price  of a magic item of the level where you gained the parcel. In the above  example, the 2nd level character would receive 72gp with whatever parcel  they chose.