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Zrimmir Universal Banking Union

Melvand Zrimmir

Generic Neimoidian #459
Melvand Zrimmir
Character Bio
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Zrimmir Universal Banking Union​
​
Description
ZUBU is a financial institution that covers far more than just deposits and withdraws, being a universal bank and insurer corporation, it provides a wide array of services to its customers. As a commercial banking institution, it provides the basic amenities all banks provide to individuals, corporations, organizations, and governments, (Here on refered to as ICOGs) savings and checking accounts, loans, and basic investment products. As an investment banking institution, it provides financial services (Like financial capital for example) to ICOGs and can act as mediator for financial transactions, mergers, etc. Finally, as an insurer corporation, it provides various packages of protection against financial lost in all sorts of fields for ICOGs, ranging from Health Insurance to Investment Insurance.

Checking Accounts
  • Basic: Free to open, free to use. Fees are incurred when making non-domestic withdrawals and withdrawals through other banking institutions.
  • Interest: Costs a small fee of 500 Credits to open, and the account can not only be used for checking uses, but also has a simple interest of 0.8% per four months.

Savings Accounts
  • Basic: Cost: 500 credits. Accounts are given basic security package alongside a simple 1.5% interest per two months.
  • Duranium: Cost: 1,760 Credits. Accounts are given upgraded security, and a cube meter lockbox under guard. Simple interest of 2% per two months.
  • Gold: Cost: 2,900 Credits. Accounts are given upgraded security alongside three cube meter lockboxes, under guard. Simple interest of 2.4% per two months.
  • Platinum: Cost: 5,000 Credits, 1,200/yr(Unless vault is not accepted). Accounts are given the advanced security package alongside a small vault under guard and given ray shielding. Simple interest of 2.8% per two months.
  • Crystal: Cost: 20,000, 2,000/yr(Unless vault is not accepted). Accounts are given the advanced security package alongside a large vault under contracted mercenary guard, given ray shielding, and placed under the oversight of a ZUBU security specialist. Simple interest of 3% per two months.

Loans
  • Individual Loans
    Range: 5,000 Credits - 1,000,000 Credits
  • Packages:
    Home & Family: No payment is due for the first year of the loan. The loan plan is a twenty year payment schedule with a compound interest rate of 3.4% every two months.
  • Adventure Capital: No payment is required for the first six months of the loan. The loan plan is a five year payment schedule with a compound interest rate of 4.2% every two months.
  • Bantha: No payment is required for the first three months of the loan. The loan plan is a thirty year payment schedule with a simple interest of 2.5% every two months.
  • Durasteel: No payment is due for the first three months of the loan. The loan plan is a ten year payment schedule with a compound interest rate of 4.0% every two months.


[*]Business Loans:
  • Range: 100,000 Credits - 15,000,000 Credits
  • Packages:
    Short-Term Loan: Five year payment plan, with a compound interest of 1.8% every two months.
  • Medium-Term Loan: Ten year payment plan, with a compound interest 2.0% every two months
  • Long-Term Loan: Fifteen year payment plan, with a compound interest 2.2% every two months


[*]Government Loans:
  • Range: 1,000,000 Credits - 150,000,000 Credits
  • Packages:
    Circumstancial



Financial Investment/Patronage
Financial Investment/Patronage by ZUBU is direct financial investment by the banking institution for individuals, corporations, organizations, and governments. These can heavily range in price and repayment/amenities, therefore the details are reliant on the deals themselves.

Insurance
  • Individual Insurance Packages
    Bounty Insurance
    Insurance for Bounty Hunters. Pay a small fee of 84 cr/month, and any bounty you take that falls through, ZUBU will cover it.

[*]Mercenary Insurance
  • This is a per job insurance. Pay a small, one time fee of 0.01 percent of the payment of the job, and if the deal falls through, ZUBU will cover it.

[*]Starship Insurance
  • Pay 0.005 percent of the starship's sale value per month, and if it is destroyed or requires repairs, ZUBU will cover 90% of the costs.


[*]Corporate Insurance Packages
  • Asset Insurance
    Circumstancial

[*]Contract Insurance

[*]Capital Insurance Packages
  • Investment Insurance
    Circumstancial



Financial Counseling
  • Normal Advisor: 200 Credits per Session
  • Premium Advisor: 850 Credits per Session
  • Executive Advisor: 1,500 Credits per Session
  • Mogul Advisor: 6,750 Credits per Sesssion

Stock
Being a multi-planetary corporation, ZUBU is publicly owned. Shares are sold at 0.1% of the company each, at 11,550 credits a share.
 

Kuat Drive Yards

Driven To Excel
Kuat Drive Yards
Character Bio
[member="Melvand Zrimmir"]

Greetings, Zrimmir Universal Banking Union. It is in Kuat Drive Yards opinion that many Banking Organizations have become greedy and have used lifetime-long greedy solutions to maintain their profit and vault wealth. As a generous donation, and investment on Kuat Drive Yards part, we would like to offer what few have decided to call a 'getting starting package.' Obviously, this is to sample our new, starting line of products, and to interest your organization in trusting KDY for their future designs, but it is also an investment to hope Zrimmir Universal Banking Union can get its feet off the ground and become a major competitor without illegal schemes.

Kuat Drive Yards would like to offer...
The Incarcerator Corvette can easily have its holding cells converted to vaults to hold your most precious of items for transport. You may customize or configure it as you please, or even ask us to modify it to satisfy your tastes. The Fighters are low-grade, however should suffice as escorts for a small, yet growing, Banking Union.


These are not display or test models, they are fully functioning ships, free of charge. No gimmicks or catch. In the future, Kuat Drive Yards may invest more in the Banking Union, and may even become a client. We hope your business is ever healthy.
 

Mara D'Lessio Merrill

The Lesser D'Lessio
Mara D'Lessio Merrill
Character Bio
[member="Melvand Zrimmir"]

Merrill-Valkner Systems Engineering (MVSE, Tier II) is a startup focusing on high-quality starship components. We would like to arrange a loan through your Adventure Capital package.



Melvand Zrimmir said:
Adventure Capital: No payment is required for the first six months of the loan. The loan plan is a five year payment schedule with a compound interest rate of 4.2% every two months.
Click to expand...

A principal loan of cr1,000,000 would allow MVSE to acquire a distribution and derivation license for specialized components from a notable starship modification firm. We anticipate new profits of cr500,000 per year and may be able to accelerate the payment schedule if necessary.
 

Melvand Zrimmir

Generic Neimoidian #459
Melvand Zrimmir
Character Bio
After close consideration, your loan application has been accepted.

(Now this is totally optional, but since we are both companies, would you like to do a thread that 'hammers out' the loan IC, since it would count as a contract and company operations, meaning it could be used to help us both tier up.)

[member="Mara Merrill-Valkner"]
 

AMCO

I'm Sorry Dave
AMCO
Character Bio
Greetings, [member="Melvand Zrimmir"]. The Investment Committee is of the opinion that your venture has great potential for growth and we are eager to partake in that development. For that reason, we would like to arrange for Vandiir Consolidated Holdings to purchase 200 shares, i.e., 20 % of ZUBU's stock.

~ Signed Bix Porith, Director of FInance & Diebil Hincsurg, Chairman of the Investment Committee

(OOC: If you'd like, I'd be more than willing to hammer out the specifics IC.)
 
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