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The Private Bank of Arete

Discussion in 'Civ4 - Demo Game IV: RPG' started by ice2k4, Aug 24, 2008.

  1. ice2k4

    ice2k4 Emperor

    Joined:
    Feb 28, 2004
    Messages:
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    Location:
    Brooklyn, New York
    You walk into the massive structure that is the First Private Bank of Arete. Business is bustling all around. An attendant approaches you and says "Welcome to the First Private Bank of Arete. A banker will be with you shortly. For now you can wait over here. The ledger to your left may be of some use."

    The ledger reads:

    The Private Bank of Arete Services and Sales


    Savings Accounts
    Savings accounts are accounts that gain higher interest in exchange for being able to withdraw smaller amounts of money per turnchat. The interest rates are as follows. (Rates compounded once per turnchat.)

    2.0% - Allowed to withdraw 75% of account per turnchat.
    2.4% - Allowed to withdraw 66% of account per turnchat.
    2.8% - Allowed to withdraw 50% of account per turnchat.
    3.5% - Allowed to withdraw 25% of account per turnchat.

    Checking Accounts
    Checking accounts allow money form a savings account to be automatically withdrawn and deposited to the Aretan Royal Treasury, instead of the customer having to withdraw money from the PBA and then deposit it into the ART. A checking account is not it's own separate account, just an add on.

    For checking accounts, all money deposited by others to the customers account will be charged a handling fee of 5%. All withdrawals made by others from the customers account will be charged 5%.

    Personal Bankers
    The PBA also offers customers they're own personal bankers and bookkeepers. While this is very popular with business owners, it is also useful when it comes to personal banking.

    To enlist the services of a Personal Banker, please talk to one of our associates.

    Loans
    Loans are worked out on a case by case basis, however we do issue maximum loans exceeding the maximums at the Aretan Royal Treasury.
     
  2. ice2k4

    ice2k4 Emperor

    Joined:
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    Location:
    Brooklyn, New York
    Treasury of the Private Bank of Arete
    Yenarii in Bank (On Hand): ¥3985
    Total Yenarii in Bank Accounts: ¥3985
    Real Estate Value of Bank: ¥250
    Total Allowed Maximum Withdrawal: ¥637 (15.98% of Total Yenarii in Bank)

    Personal Accounts

    Ice2k4
    Checking Account: Owner's Account
    Balance: ¥1204
    Loans: None Present
    Interest Rate: 0%
    Maximum Withdrawal Allowed: 0%

    Vandal Warlord
    Checking Account: Owner's Account
    Balance: ¥1205
    Loans: None Present
    Interest Rate: 0%
    Maximum Withdrawal Allowed: 0%

    civplayah
    Checking Account: No
    Balance: ¥1089
    Loans: None Present
    Interest Rate: 3.5%
    Maximum Withdrawal Allowed: 25% (Y272)

    thecommonnate
    Checking Account: No
    Balance: ¥487
    Loans: None Present
    Interest Rate: 2.0%
    Maximum Withdrawal Allowed: 75%(Y365)

    Transaction History
    Deposited ¥300 to Ice2k4
    Deposited ¥300 to Vandal Warlord
    Withdrew ¥24 from Ice2k4
    Withdrew ¥23 from Vandal Warlord
    Compounded interest 1 time and deposited ¥10 to civplayah
    Compounded interest 1 time and deposited ¥37 to civplayah
    Withdrew ¥72 from Ice2k4
    Withdrew ¥72 from Vandal Warlord
    Compounded interest 4 times and deposited Y108[/s] to civplayah
    Compounded interest 4 times and deposited Y36[/s] to thecommonnate
    Withdrew ¥1000 from thecommonnate
    Withdrew ¥573 from civplayah
    Deposited ¥1441 to thecommonnate
    Deposited ¥1490 to civplayah
    Created Personal (Non-Checking Account - 2.0% Interest) for thecommonnate
    Created Personal (Non-Checking Account - 3.5% Interest) for civplayah
    Deposited ¥1000 to Vandal Warlord
    Created Personal (Owner's Account - 0% Interest) for Vandal Warlord
    Deposited ¥1000 to Ice2k4
    Created Personal (Owner's Account - 0% Interest) for Ice2k4
     
  3. ice2k4

    ice2k4 Emperor

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    Location:
    Brooklyn, New York
    Reserved for notices.

    Notice
    Now hiring Personal Bankers. Please contact for information.
     
  4. civplayah

    civplayah phantasm

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    Location:
    Oregon
    So, since there's interest in the savings, you put more money in our accounts each turnchat?
     
  5. thecommonnate

    thecommonnate Theocrat

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    Messages:
    733
    Location:
    California
    This is a great idea you guys, I'll check my funds later and hopefully open an account.
     
  6. Vandal Warlord

    Vandal Warlord Nazgûl

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    Philadelphia, PA
    Yep, pretty much since we put in 1000 Y each.
     
  7. Vandal Warlord

    Vandal Warlord Nazgûl

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    Which is me or Ice.
     
  8. ice2k4

    ice2k4 Emperor

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    Yes, which makes it beneficial to open an account in our bank instead of the royal treasury.
     
  9. Joe Harker

    Joe Harker 1st in the Premiership!

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    ^^^ Wheres the catch! :mischief:
     
  10. ice2k4

    ice2k4 Emperor

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    Accounting Updated.

    There is no catch. By depositing money into the bank, you allow the bank to make money off of loans it gives out. (As loans come with interest rates as well.) You also allow the bank to fund business ventures, which will in turn make money for the bank. We do ensure though, that before we use any money, we ensure that there is enough money in the bank to cover everyone's maximum allowed withdrawal amount.
     
  11. civplayah

    civplayah phantasm

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    I would like to start a savings account.
     
  12. Vandal Warlord

    Vandal Warlord Nazgûl

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    What would you like your Intrest rating to be?
     
  13. civplayah

    civplayah phantasm

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    3.5 percent. I would like to put all of my money in here.
     
  14. Lord Civius

    Lord Civius Emperor

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    I commend you guys on the business venture. I would only ask that you create a transaction history post where your "notices" were going to go. I still must be able to keep track of all transactions as I am the game manager.
     
  15. Vandal Warlord

    Vandal Warlord Nazgûl

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    Will do Lord Civius!
     
  16. ice2k4

    ice2k4 Emperor

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    Welcome to the Private Bank of Arete. Your money will be transfered as soon as Lord Civius updates the Aretan Royal Treasury. Would you like the checking option to be added to your account?
     
  17. civplayah

    civplayah phantasm

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    Not right now, but thank you anyway.
     
  18. thecommonnate

    thecommonnate Theocrat

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    I would like to move all of my money to an account here with a 2.0% interest rate, for the 75% withdrawal rate.
     
  19. ice2k4

    ice2k4 Emperor

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    Welcome to the Private Bank of Arete. The money will be transfered as soon as the ART is updated.
     
  20. thecommonnate

    thecommonnate Theocrat

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    Thank you very much.

    Now I can have two accounts open right? I mean, if I was to take out a loan with the ART, the money would be sent to my ART account, right, or should I ask Lord Civius?
     

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