The Bank of Levidor

The Bank of Levidor is based in Erey City and is the official bank on Pegias. There are three locations: Erey City, Yley City, and Gloommere City.

Banking Account
The most common option among adventurers and traveling merchants is the banking account. It is an extremely efficient system of store silver, gold, and platinum and having access to it in any of the three banks. The account charges a 10% fee in each type of coin monthly (so an account with 30 SP, 50 GP, and 20 PP would pay 3 SP, 5 GP, and 2 PP for one month).

Safety Deposit Boxes
Another option is a safety deposit box. Each location has its own collection of safety deposit boxes that cannot be accessed at any of the other banks. They are 50 GP a month to maintain. In the event of the players death, all of the contents of the box revert to the bank. This is a preferred choice for nobles, shop owners, and banks close to a base of operations. If the safety deposit box is taken out in the name of a group or company, it prevents the bank from claiming it upon a players death, but also allows multiple people access. It also costs an additional 10 GP per name on the safety deposit box.

Loan
Loans are rarely given out due to the risk of death. Typically only a noble can take out a loan from the bank. If a lower class wants to take out a loan, they must have the signature of a noble that will claim their debt or offer an investment/property as collateral for the loan. All loans have an interest rate of 50% and payments begin a month after the loan is taken out (minimum payments are 100 GP).

Investment
A person can invest in different business endeavors. A minimum invest of 1,000 GP is required and there are different levels return: 5%, 10%, 15%, 20%, and 25%. If a business is a success (determined by the DM; higher returns are higher risk), the player collects their original investment in addition to their return rate of the profits. For example, if you invest 1000 GP at 5% return rate in a business and they succeed and their annual profit is 10,000 GP, you would receive you initial 1,000 GP plus an additional 500 GP in profit returns.

A player can pick them time for the investment starting with 6 months or in increments of 1 year up to 5.

To determine margin of success per year: roll Xd20 where X is the number of years. Multiply that number by the initial investment for the total profit. If it is a 6 month investment, roll 1d20 and divide the number by 2, rounding up.