Description: An older man who wears a weathered and beat up set of banded mail beneath an oversized brown coat, he is not a threatening figure. He has done his best to style his black hair to look like a famous performer. He has a tattooed face.

Personality: Efferil wants to be seen as a stoic, levelheaded, noble Wizard, so he tries to act the part. He does a good job, for the most part... He is however greedy and will demand payment and proof of collateral's value and will produce a merchant's scale to make sure he is not cheated out of a speck.

History: Heir to a fortune, his parents put a great deal of effort into curing his disease. He was married off to the eldest child of a minor noble. His spouse died of illness and he inherited everything. He now mingles about in high society.

Motivation: Money/treasure; and he is greedy

Ideals: Disciplined, Entrepeneur. Flaws: Disease. Bonds: Rich. Occupation: Healer

Voice: Relaxed voice

Possessions: 2000 gp. Smoky quartz (70 gp). Hematite (7 gp). Amethyst (60 gp). Violet garnet (1100 gp). Jasper (70 gp). Golden pearl (60 gp). Zircon (70 gp). Malachite (7 gp). Chalcedony (70 gp). 1 Minor magic item. 1 Minor magic item. 1 Minor magic item.

Description: He is a physically imposing dark-skinned man. He wears a simple tan robe with black stripes complete with hood. He has a small bristly mustache and wavy red hair. His hazel eyes are desperate and heavily dilated. He has the appearance of someone under the heavy influence of drugs.

Personality: He is erratic and paranoid. He believes drow are coming to abduct people. He has a minor phobia of water and hates getting wet.

History: Beiro was raised in a hard working conservative environment. In his 18th year, while out on a day-trip, he returned to find his hometown burning and destroyed. He found his mother impaled in their home, and his father beheaded. He saw the man who walked out, and charged him in a blind rage. The man easily evaded and defeated him, leaving him to live broken and terrified. He then took over the family business and is one of the better Cook for hire.

Motivation: He feels kind of lost in life; and sabotage a competitor

Flaws: Addict, Fearful, Depressed. Bonds: Enemies, Job. Occupation: Cook

Voice: Low range voice

Possessions: 4000 gp. Brass mug with jade inlays (200 gp). Gold dragon comb with red garnet eye (1200 gp). A life-sized copper and silver statuette of a cockatrice. (100 gp). A necklace of small pink pearls (2000 gp). Large well-done wool tapestry (200 gp). Silver-plated steel longsword with jet jewel in hilt (300 gp). Solid gold idol (200 gp). Carved harp of exotic wood with ivory inlay and zircon gems (200 gp). Gold music box (2000 gp). An elaborate, whalebone scrimshaw carving of intertwined orbs, each showing the legend of creation story (100 gp). 1 Minor magic item. 1 Minor magic item.

Description: This younger middle-aged man is typically in his Banker uniform, and a wedding ring on his right hand. He has a golden handlebar mustache and slicked back golden hair. He has a dull look in his violet eyes.

Personality: He is quite gentle and does not know the full extent of his strength. He works very hard to maintain that gentleness. He dislikes loud distracting noises, but is overall hospitable. His biggest love is that of knowledge and as such will purchase any books or pay to listen to tales that travelers might have.

History: He was born into a rich family. While studying, he fell in love. They married and had a son. He has drifted from career to career and currently works as a Banker.

Motivation: Wants to open a new tavern.

Ideals: Disciplined, Logical. Bonds: Job, In love, Rich. Occupation: Banker

Voice: Soft and melodious

Possessions: 400 pp. Ceremonial electrum dagger with a star ruby in the pommel (400 gp). A pair of silk slippers encrusted with tiny pearls. (90 gp). Jeweled electrum ring (5000 gp). Large well-done wool tapestry (600 gp). Eyepatch with mock eye of sapphire and moonstone (1000 gp). Carved harp of exotic wood with ivory inlay and zircon gems (1100 gp). Old masterpiece painting (1000 gp). Gold dragon comb with red garnet eye (400 gp).