

                      RATS - TimeBank System V2.00

             Copyright (C) 1990-1993   Motor City Software
             ---------------------------------------------

  Command           Description
  --------------    ----------------------------------------------------------
  Help              Displays this help information.

  List Accounts     Allows you to view a brief listing of other user accounts.
                    This is good for obtaining the spelling of a user name in
                    case you'd like to use the Transfer Time feature. This is
                    also handy if the sysop has enabled Robbing Other Players.
                    If so, this will also tell you whether or not that user is
                    able to be robbed from.

  Deposit Time      Allows you to deposit time into your account for use at a
                    later date.  The Sysop defines how much time a user may
                    deposit per day.  If you attempt to exceed this amount,
                    RATS will tell you about it.

                    Also, you may not deposit your full time remaining balance.
                    You may deposit all but 5 minutes of your online time or
                    until maximum defined deposit is reached (whichever comes
                    first).

  Withdraw Time     Allows you to withdraw time from your account.  The Sysop
                    defines how much time a user may withdraw per day.  If you
                    attempt to withdraw more than this amount, RATS will tell
                    you about it.

                    Also, you may not withdraw an amount of time that would
                    allow you to over-step an upcoming System Event.  RATS
                    will keep track of this as well.


  Transfer Time     Allows you to transfer time from your account to another
                    user's account.  This time is drawn out of your current
                    balance, NOT your online time remaining.  The Sysop defines
                    how much time you can transfer per day.

                    Any user who has time transferred to their account, will
                    receive a brief message the next time they logon informing
                    them who transferred the time, and how much time was
                    transferred.

  Deposit K-bytes   Allows you to deposit kilobytes for use at a later date.
                    If the maximum depositable k-bytes are defined at 200,
                    and you have not already downloaded any of this K, then
                    200 k-bytes will be available for deposit.  If you have
                    already downloaded some kilobytes, then the maximum that
                    you can deposit will be the maximum defined value minus
                    the number of kilobytes you have already downloaded on
                    that day.

  Withdraw K-bytes  Allows you to withdraw kilobytes that were previously
                    saved.

  Transfer K-Bytes  Allows you to transfer bytes from your account to another
                    user's account.  K-Bytes are drawn out of your current
                    balance, so you must havve K-Bytes stored in the bank.
                    The Sysop defines how much time you can transfer per day.

                    Any user who has bytes transferred to their account, will
                    receive a brief message the next time they logon informing
                    them who transferred the bytes, and how many K-Bytes were
                    transferred.

  Purchase K-bytes  Allows you to purchase kilobytes with time you have
                    previously banked.  The exchange rate and daily number
                    of K-bytes you can purchase in a day are defined by the
                    Sysop.

  Display BankBook  You may view all of your transactions for the previous
                    number of days configured by the sysop.

  Credit Department If you wish to Borrow Time or K-Bytes, that the SysOp has
                    these features enabled, you may borrow a predefined amount
                    of Time or KBytes from the bank.  There is a one time
                    interest charge, defined by the SysOp, and it is added to
                    the amount of your loan. Example, say interest rate is 10%
                    and you borrow 100 minutes. You will owe the bank 110 min.
                    If you owe the bank Time or KBytes, then it will show up
                    as a number in brackets beside your balance on the main
                    screen. You may Pay Back the loan from this menu as well.

                    NOTE: There are a number of options available to the sysop
                          as to how to make users pay back the loans.

                          1) He may run a utility when you log onto the BBS to
                             force you to play your loan payment, optionally
                             logging you off the BBS if you do not.

                          2) You may be forced to make the payment when you
                             enter the time bank, and optionally not allowed
                             to use the time bank until you make your daily
                             payment.

                          3) The sysop may elect to automatically have your
                             payment made from your daily time remaining each
                             night during maintenance.

Rob The Bank/Other Players

                    The sysop may allow you to Rob the Bank, and even Other
                    Players.

                    Robbing The Bank
                      The sysop configures the cost, and odds of robbing the
                      bank, along with the payoff.  The cost of robbing the
                      bank is deducted from your bank account, and payoffs are
                      made to your Bank account.

                    Robbing Other Users
                      The Sysop may allow you to Rob other Users.  If enabled,
                      when you enter RATS for the first time, you will be asked
                      if you wish to particiapate in User Robbery. If you say
                      NO, then you may not rob other players, nor may they rob
                      you.  If you say YES, then you may rob other users who
                      have also answered Yes, and you may be robbed from by
                      them.

                      The Cost of robbing another user, and the odds of doing
                      so successfully are configured by the sysop. If you fail,
                      then the COST is added to the other users banked time and
                      bytes. If you succeed in robbing the other player, then
                      you will take 50% of his/her banked time and bytes.

Lottery             If the Sysop allows the lottery games, you may play the
                    QuickPick, Daily, or Monthly Lottery. See lottery info
                    in the lottery screen.

