Editing Guilds of Karameikos (section)

===Moneychanger's Guild===

Established in 980 AC, the Moneychanger's Guild acts as the de facto Karameikan bank and pawn shop. The main function of the Guild is to facilitate the exchange of Karameikan coinage with foreign/obsolete currency. In other words, they will convert that chest full of old Traladaran gold pieces into Karameikan coin . . . for a small fee, that is. In addition, they have grown to act as a bank as well as a commodities exchange. The bank function allows a PC to make a "deposit" anywhere within the Duchy and withdraw it at a later time, wherever they happen to be within the Duchy (and, as stated above, potentially elsewhere as well). The Guild also accepts non-coin treasure and will pay the PCs a given percentage of its value. The above services essentially provides a way to hand-wave a bunch of the annoying minor stuff such as hauling large quantities of coin around, searching for a buyer for jewelry, etc. Rates are as follows:

*Deposit. Coinage, regardless of origin, may be deposited with the bank at no charge. Withdrawals are made with a 5% fee. Note that in some smaller towns there may be a limit to the amount of cash readily available.  Funds may be "withdrawn" anywhere a Guild office exists.
*Gem conversion. The Guild will pay face value -10% of gems brought to them. They will convert coins to gems at the same (10%) rate. Note that if a PC wants to get gems instead of coins from their account they pay the 10% rate, not a combined rate of 15%.
*Jewelry and Goods. The Guild will purchase jewelry and other valuables at a rate of face value -10% of items costing up to 1,000.00 gp. A 15% fee applies for valuables worth more than 1,000.00 gp.