Originally Posted by
Orcish
All bank storage tabs would be able to have their own "simple" titles set by the guild leader (with the same chat filter restrictions). Withdrawal limits set by the guild could include, gold, item quantity, length of loan, and member's rank storage access (again set by guild leader). Let's talk about the bank loan system. I'll use an example, to help explain my idea.
Orcish is a "New Recruit" and has the rank of "PVT" which allows him the ability to; access bank storage tab 3, withdrawal one item and 500 gold every 24 hours. Orcish can view other tabs but has no permissions allowing him to manipulate the other storage tabs(because the guild leader has set the option for all guildies to view all tabs, not just certain officer's, even though they could restrict viewing). Orcish withdrawals an item from bank storage tab 3 which happens to have an "item loan return" (Set particularly for bank storage tab 3 by the guild leader). When Orcish pulls the item from the bank, a ghost icon version of that item appears in the slot where the "physical" item was taken from. Twenty days later, Orcish forgets he has an item on loan status and that item teleports back to the slot, from which it came. Had Orcish clicked on the item prior to it being repossed, he would of seen the; date and time he withdrew the item and how many days and hours left on loan. The guild leader and the officers of the guild had now worries, because all they had to do was, select the ghost item in the bank slot, which would highlight it the ghost item/place keeper, and an information screen would popup with "Withdraw Date:6JULY2011/12:22PM PST BY: ORCISH DUE: 26JULY2011 BY:12:22PM PST" Had Orcish deleted his character, all "Loaned" items would of automatically teleported back to their respective bank storage slots (hence why there is a ghost version of that item). Orcish couldn't trade the item, nor could he sell it, even though he tried. Guild leaders could relax knowing that their guild leader made correct security decisions for the group and that there was always a bank log, to verify all banking activity. Had Orcish been a "Sgt" rank he would been able to hold on to the item without restriction from nontradable status and without a "due" date (because the guild leader set the options for the SGT's rank to "No Item Loan Return"). Also had Orcish been a SGT, he could of sold the item because it was no longer a nontrade or a "loan" item.
I feel that guild leaders must suffer a plat or gold penalty anytime after the first permissions are set, to detour fraud or any potential issues in relation. With a system like this, I don't see how anyone could exploit the bank, unless the guild leader made poor choices in setting up the guild bank options/permissions. I don't know, what do you guys think?
