Secure, Undisclosed, Depository. Systems

### AKA S.U.D.S

Secure, Undisclosed, Depository, Systems is the preeminent banking organisation in Terrinoth and it's neighbouring lands. It is owned and operated by Dwarves and Gnomes. While other banks exist to protect money (and valuables), only SUDS offer near-instant withdrawal from multiple locations with the security of unique identification runic tattoos.

An auxiliary service within the bank is offered by his business partnership with Gnome Page Services (GPS). The Gnomes handle the instant communication of information which allows SUDS to instantly update records at multiple locations. They do offer instant communication to the public, but their services are much more expensive then The Riverwatch Riders and are typically utilised by nobility and the extremely wealthy.

The Dwarves and Gnomes of SUDS and GPS stand apart from the other members of their own races. They have their own variants in language, their own culture, fashion and traditions. This is most evident in their Beards, as SUDS dwarves prefer to leave their mouths free of hair, focusing on mutton-chips or chin-braids.

### Location

SUDS have branches located in Dawnsmore, Forge, Frostgate, Greyhaven, Nerekhall, Tamalir, Vynelvale, Haverford, Summersong, Arhynn Kellar and their Headquarters Archaut. Notably they do not have a branch in Riverwatch, by agreement with the Riverwatch Riders.

### Appearance/Layout

Each Branch is built to reflect the character of it's host city on the outside, while displaying security, strength and wealth on the inside. Wards and runes show prominently and protect from a range of things from Illusions, to theft, to teleportation.

### Services

SUDS offers accounts for storing money, Interest/investment, Loans and item storage - amongst other things.

A 'Gold' Account allows one or more persons to store money using written receipts as proof of ownership. They cost 5s a month.

Platinum accounts track ownership of the account with unique bound rune-tattoos crafted for each member. These runes are not magically detectable under most circumstances and relocate in the event of dismemberment. These accounts cost 20s a month, and typically 10s per person as a one-off set-up fee.

Long deposit account make the owners money inaccessible for a time (with a few exceptions and penalties) and offer high interest returns (e.g. 10%/year in a 10 year long term lock).

Loans are offered for 80% of the collateral. Repayments can be set over a 1-10 year period, but SUDS has the right to reclaim 100% of the collateral if there are 3 missed payments over the life of the loan.

### History

SUDS started out as the Finance Federation in Dwarvern lands. They strived to become one of the 10 Dwarvern Guilds, but the Federations frequent association with non-dwarves routinely prevented them earning the position. OVver time they separated more and more from the guild system as they increased their presence in Terrinoth. Eventually they removed themselves from consideration as a guild and rebranded as Secure, Undisclosed, Depository, Systems.

More recently they bought into and partnered with Gnome Page Services, a move which has made them invaluable as bankers. They have had exponential growth since then.

### Notable Members

Rotgor - Account Manager at Greyhaven Branch. Neat, professional. Immaculatly Platted beard.