Each branch of The Ironwood Bank, will consist at their core of Underwriters (Moneylenders) being commissioned to draw up various purchasable types of explicit contacts, as well as Security personnel assigned to guard the workers and items within. The secondary function of any branch will be to serve as a depository for in-game items, Clerks will be available to facilitate the administration of such transactions, ranging from production/trade goods to valuable contractual agreements and even personal wealth. Some examples of services carried out by the guild:
Banking Services (Appraisals, Safe Deposits, Loans & Investments)
Trade Contracts (Agreements, Confidentiality Clauses)
Service Contracts (Delivery, Bounty Contracts, Labour, Security)
Land Management Contracts (Rental, Selling, Buying)
Family Contracts (Marriage, Inheritance)
Organisation Contracts (Founding Charters, Internal Agreements, Clauses)
Parchment/Paper sales (Sale of parchment/paper offered for general purchase sold in stacks/bulk)
Royal Mint (Sale/Exchange of Foreign currency)
24/7 Guards (Utilising both PC and NPC as security personnel all of whom will be trained to a minimum standard expected of The Ironwood Bank)
Neutral Party (As a neutral party in all agreements the bank provides a practical location for contracts between two parties to be arranged/discussed and then held safely and securely in the KCB vault)
Purpose Built (The vaults of Ironwood Bank will be purpose built in contrast to hidden vaults/safes ours will be dedicated projects with no expenses spared and the location may or may not be known)
Guildmarks (lines of credit between the bank and partnered services ensure no currency ever exchanges hands as opposed to carrying valuable currency putting you at risk of theft)
A key area of the bank is to assist in the facilitation of trade involving varying quantities of goods from approved merchants/traders, the bank more specifically it’s guarded warehouses will act as secure supply sites for commodities before they are sold. Upon completion of any sale, items can be transferred to the buyer in person or via pre-arranged courier service. Alternatively purchased goods can be transferred directly to the buyers personal repository space should they also hold one with the bank.
Safety deposit system annual/yearly fees will be payable every Four Elyrian Year(s) from the date of item(s) first being deposited
Item(s) removed before the annual renewal date will be subject to a minimum of One Elyrian Year fee.
Pre-arranged or agreed upon late payments are possible should a branch manager be contacted before reaching the third Elyrian year in which fees are due.
Failure to adhere to the terms and written conditions of all contractual agreements with The Ironwood Bank will result in any item(s) currently stored being declared forfeit as such they will become property of the bank and sold off.
The Ironwood Bank of Tryggr will offer insurance services for certified traders throughout the continent on a case by case basis which is reviewed periodically.
Ironwood insurance will offer traders what’s called the “Ironwood Guarantee” whereby affiliated traders can claim up to 100% of any losses, thefts or damaged items for replacement or reimbursement.
Insurance premiums will be subject to review based on the number of claims vs no claims made by the trader within the standard Four Elyrian Years Cover Period in addition to any changes with the trader.
Traders & The Ironwood Bank will have secure contracts in place to ensure both parties are satisfied and agree to the terms set by said contract enabling implicit Kingdom laws to apply
Insurance rates will depend on a number of worldly factors i.e. Regular distance travelled, Number of Companions, Size of Guild (if part of one) and most importantly the traders reputation.