Circle of Shadows Contribution Points
 Share
The version of the browser you are using is no longer supported. Please upgrade to a supported browser.Dismiss

 
View only
 
 
ABCDEFGHIJKLMNOPQRSTU
1
Loans
2
3
Subject to your status you may be able borrow gold form the Shadowbank. All loans are charged with a daily interest rate (compounding daily). Interest rates subject to status.
4
All loans over 7k gold require appropriate collateral. This can include tradeable armour/weapons or other items. Without collateral a 10% non refundable charge will be added to the loan at the begining of loan period.
5
The considerations effecting your interest include. Previous lending history, income, wealth, pledged collateral, guild affiliation and loan amount.
6
7
Shadowbond
8
9
A shadowbond is a structured investment vechicle with tiers that control the amount of risk for that investment.
10
Shadowbonds increase in value daily based on received interest and investments to guild bank.
11
The risk tiers are as followed. AAA bonds are the safest recieving the lowest amount of interest.
12
AA bonds receive twice as much interest as AAA
13
A bonds receive twice as much interest as AA
14
BBB bonds receive twice as much interest as A
15
16
When an investment makes a loss or loan is unpaid losses are atributed in the same way as interest above.
17
A specific provision for the non payment of loans are calculated and added to the provision for doubtful debts. This amount reduces the value of a bond however protects against sudden loss in bond value when someone defaults
18
19
Shadowbonds can only be sold at anytime by mailing Shadowbanker and requesting the amount to be withdrawn. Shadowbond withdraw may be reduced subject to bank liquidity.
20
21
Shadowshares
22
23
Shadowshares once issued by the Shadowbank can be purchased. A shadowshare gives the holder a percentage share of the guild dividend which may include lord coins once a castle is owned.
24
25
26
27
28
Guild Website:
circleofshadows.wordpress.com
29
Guild forum:
www.circleofshadows.org
30
31
Please speak to Poxess or Aaluric if you want take out a guild loan or invest in a shadowbond.
32
`
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
Loading...
 
 
 
April 2016 part one
May 2016 p1
June 2016 p2
July 2016 p1
August 2016 p1
September 2016 p1
Shadowfinance explained
Point Values
Copy of January 2017 P1
April 2017 P1
Copy of March 2017 P1
Shadowbonds and shares
Copy of December 2016 P1
Copy of November 2016 P1
Fleet
Member List 12/2016
Guild ranks explained
Shadowbank
Members - New
Tasks
Intake/Resign
Project Ironclad
SIS
Proposed guild structure
June 2016 p1
April 2016 part two
Communicaton
Bad debt
Voting
Historic income
bond calculator
Copy of Shadowbank
Project car All items and their amount.
Project Car
Grand Prix Leaderboard
Item tree
intel