Moneychanger's Shop Battle of Five Armies & The Third Age of Middle-Earth The current year for our Middle-Earth campaign is set during the year of 2946 of the Third Age. Inspired By J.R.R. Tolkien

A sign depicting a gem-encrusted ring hangs above the entrance to this modest but exceptionally sturdy establishment. Though small in size, the building appears more secure than many larger structures in Bree. Thick wooden shutters reinforced with iron bands protect the windows, while heavy oak doors safeguard the valuables kept within. During business hours the doors and windows are typically open, giving the shop an inviting appearance despite its fortress-like construction. As evening approaches, however, everything is carefully secured and barred for the night.

The business is owned and operated by Haskali Ull, a very elderly jeweler and moneychanger who has served Bree and the surrounding region for decades. Though age has slowed his movements, his sharp eyes and keen mind remain as reliable as ever. Haskali specializes in working precious stones and soft metals, producing quality jewelry repairs, custom pieces, and fine decorative work for those willing to pay his reasonable fees.

His wife manages much of the household and business affairs with a firm hand, while two professional guards are always present during operating hours to ensure the security of both customers and valuables.

The establishment serves as the towns closest equivalent to a bank. Travelers, merchants, and traders regularly make use of its currency exchange services, particularly those journeying between the neighboring realms and trade routes. Haskali exchanges coinage from various lands for a standard five percent fee and maintains a reputation for honest dealings. His records are meticulous, and customers trust him to conduct business discreetly and professionally. Although trade has declined noticeably over the past year, his reputation remains strong among those who continue to pass through the village.

In addition to currency exchange, Haskali offers secure storage for coin, gems, jewelry, documents, and other valuables. Deposits are handled with strict confidentiality, and the identities of clients and the contents of their holdings are never discussed outside the business. Coin storage incurs a three percent handling fee, while non-coin valuables are subject to a four percent fee, with rates adjusted for long-term storage. Unlike many larger banking houses, Haskali does not offer loans or lines of credit. His business is devoted entirely to safeguarding wealth, exchanging currency, and providing trustworthy service—an increasingly valuable commodity in these uncertain times.