Ability		Mod	Save
STR	8	-1	-1
DEX	10	+0	+0
CON	14	+2	+2
INT	14	+2	+2
WIS	14	+2	+2
CHA	14	+2	+2

Medium Humanoid (Any)

AC 10

HP 26 (4d8+8)

Speed

30 ft.

Proficiency Bonus

2

Challenge

1/2 (XP 100)

Skills

Deception +4

Gear

Walking Stick (Rapier), Fine clothes, Ledger, Calligraphy Supplies

Credit Note (1/day)

The Merchant can subtract 20% (up to a maximum of 500gp) from any single transaction at a store.

Actions

Hidden Rapier

Melee Weapon Attack, one target, 5ft reach, +3 to hit, 1d8+1 piercing damage.

Spellcasting

Intelligence

Save DC 12, Spell Attack +4

At will:

Friends

2/day each:

Arcane Lock, Distort Value, Jim’s Glowing Coin

1/day:

Incite Greed

Notes

Shrewd and materialistic, merchants will turn any situation into a business opportunity that benefits them. Obsessed with the accumulation of funds, morals go out of the window when it comes to making money. Merchants are often found enjoying the luxurious side of life and can have expensive tastes.