INTRODUCING...

UNIQUE BANK & TRUST

ECC's Newest Insured Bank!

Who We Are:

Owners: @Unique_Beagle @TaylorBros22
@edrandom

Investors:
@0TheRedHerring0
@icbomber38
@Mysticgoli123
@stevenjr05
@Ancastal

Services We offer:
Loans
Invest - Purchase Shares
Financing (collateral required)
Startool Leasing & Renting
Savings Accounts

How does it work?
Loans
When applying for a loan you will go through our Credit Check (free of charge). This will tell us how loanable you are, and will decide several things such as 1)your maximum loan amount 2)your Maximum loan term 3) your interest rate & 4)Late Fee Charges

Spoiler: Loan Application

Username:

Rank:

Amount of ECD requested:

Amount of time to pay back:

What are you using this loan for?:

Current amount of debt you are in:

Do you understand that your UBT Credit Score will be calculated and used to decide your rates?:

Do you understand information about your account may be shared with Co-owners and Investors at UBT?:

Have you ever been banned? if so forum PM Unique_Beagle as to the reasoning:

Invest - Purchase Shares-ROUND 1 CLOSED...ROUND 2 TBD
Purchase Shares of UBT bank in our IPO!! We are giving away 50% of our company to players JUST LIKE YOU! We want to be a bank of the people for the people.. so we allow all members of ECC who are currently not invested in another bank, to become one of us! We will have 2 rounds of investment opportunities but buying in earlier is always better!!!!

Spoiler: Round 1 IPO

Shares Available: 0
Shares Purchased: 100
Cost of 1 share: 100k ecd
Bank Buyback price: 50k ecd

Spoiler: Round 2

Shares Available: TBD
Cost of 1 share: TBD
Bank Buyback price: TBD

​

Spoiler: IPO Application

Username:

Rank:

How many shares do you wish to purchase (currently 100k/ea)?:

Do you understand if you wish to sell your shares back to the bank you will not receive your full value back??:

Do you understand that your shares can be sold to other players, ONLY if ownership/shareholders of UBT approve?:

Do you understand Profit payments will be paid WEEKLY based on loans via forums?:

Do you agree to be an active member of ECC & UBT discord. Any uncommunicated inactivity of 14 days or longer (forum or in game) will forfeit your shares back to the bank, with no repayment?

Do you understand information about your shares may be shared with Co-owners and Investors at UBT?:

Do you understand A forum contract will NOT be filed and any changes to our agreement must be made prior to investing?:

​

Financing
Have a QUALIFIED star tool but still need a loan? Leave your star tool with us as collateral and receive the loan you need at a discounted rate. Simply pay back the loan, and receive your tool back!
**risk involved** Your WEEKLY payment will be decided based on your UBT credit score, if you default on your loan, or involve staff to remove the star tool from the bank's possession a complaint will be filed, in accordance to contract signed at the time of financing. **risk involved**

Spoiler: Financing Application

Username:

Rank:

What star tool will you leave with UBT?:

Amount of ECD requested:

Amount of time to pay back:

Current amount of debt you are in:

Do you understand that your UBT Credit Score will be calculated and used to decide your rates?:

Have you ever been banned? if so forum PM Unique_Beagle as to the reasoning:

Do you understand that you will not be able to recoup your star tool via staff during this loan?:

Do you understand information about your account may be shared with Co-owners and Investors at UBT?:

Do you understand A forum contract will be filed and must be agreed to prior to accepting this application, any changes to the agreement must be made prior to investing?:

​

Startool Leasing / Renting
Need the use of that popular star tool that you can't quite afford yet? Look no further as we have the star tools to cover your need. Using our credit/feature system we can get you that star tool at a manageable payment plan, or simply loan you a star tool at hourly, daily, or weekly rates!

Spoiler: Loan Application

Username:

Rank:

Star tool Requested:

Are you looking to Rent or Lease to own?:

If renting, how long do you wish to rent?

Do you have Erep? or auto Ereps? (pic of my features required via app OR forum pm):

Do you understand that your UBT Credit Score will be calculated and used to decide your rates?:

Do you understand information about your account may be shared with Co-owners and Investors at UBT?:

Have you ever been banned? if so forum PM Unique_Beagle as to the reasoning:

​

Savings Accounts
Tired of always gambling away your money? or not being able to save up for that big-ticket item you need?? Let UBT hold your money for you! commit to paying a weekly or biweekly payment towards your savings account, and in return get a free savings account!
Can't get by without taking your money out of your savings account? simply pay a small fee and receive your remaining balance back!!!

Spoiler: Savings Account Application

Username:

Rank:

Amount of ECD you want to Save:

Do you understand you will not have access to your money until you complete your contract?:

Do you understand payments will be required to be paid weekly or biweekly via forums or Bank Chest?:

Do you understand information about your account may be shared with Co-owners and Investors at UBT?:

Do you understand A forum contract will be filed and must be agreed to prior to accepting this application, any changes to the agreement must be made prior to creating your account?:

​

Lines of Credit Coming Soon
Do you have good, great, or PERFECT credit on ECC? Take out a line of credit with UBT! your credit limit will be established, and you will simply be charged a flat rate interest rate every week you loan money!, Say you need 100k out of your line of credit, with a 10% weekly interest rate you would owe us 10,000 ecd at the end of the week. Don't want to pay more interest ? simply pay back the balance on your account + interest for the week! (interest is calculated by the full week only not prorated, after 11:59pm on Sunday you will be charged a full week of interest)​

 

CURRENT FUNDS AVAILABLE: $8,000,000 ECD
CURRENT STARTOOLS AVAILABLE:
GOD EFF 7
MELON SWORD
STAR HOE
GOD HOE
GOD ROD
GOD SWORD (PVP)
GOD SWORD (PVP)
STAR AXE (PVP)
GOD AXE (WOODCUTTING)
GOD BOW
GOD SHOVEL

 

@RedNinjaSb please copy and paste the following into your post by editing it :)

Username:

Rank:

Amount of ECD requested:

Amount of time to pay back:

What are you using this loan for?:

Current amount of debt you are in:

Do you understand that your UBT Credit Score will be calculated and used to decide your rates?:

Do you understand information about your account may be shared with Co-owners and Investors at UBT?:

Have you ever been banned? if so forum PM Unique_Beagle as to the reasoning:

 

@RedNinjaSb Thank you so much for applying with Unique Bank & Trust!!

Sadly your Credit score only allows you a Maximum loan amount of 500k ECD so offer to you would be as following....

Loan Amount = $500,000 ECD
Interest rate = 18.5%
Due in 1 month 592,500 ECD.
Due Each week by Sunday (noon) 12pm EST = 148,125 ECD

LOAN PENDING FORUM CONTRACT:
https://ecocitycraft.com/forum/threads/unique-bank-trust-redninjasb-loan.200285/#post-1076515

 

APPROVED
You have been contacted via forum pm and Unique Bank &Trust is awaiting your initial deposit.

Welcome to the UBT family :)

 

@Diamond_Awesome THANK YOU for your application for a Lease to Own, on our Melon Sword!

Sadly we do not have the excess Melon Sword at the moment to perform a Lease to Own on that tool, however, Looking at your UBT Credit Score, We would be willing to Loan you the Melon Sword with the details below:

God Melon Sword
Hourly: 4250
Daily 25,500
Weekly 153,000
Rate to be paid prior to receiving tool

Please let us know if this is something you would be interested in.

 

APPROVED
pm'd in game