Male human Ftr8/Rog5: CR 13; Medium-size humanoid (human); HD 8d10+24 plus 5d6+15;

hp 108; Init +8; Spd 30 ft.; AC 22 (touch 14, flat-footed 18); Atk +16/+11/+6 melee
(1d8+8/17-20, +2 construct bane longsword), +14 melee (1d4+3/19-20, +1 frost
dagger); SA Sneak attack +3d6; SQ Evasion, locate traps, uncanny dodge; AL CG; SV
Fort +10, Ref +10, Will +9; Str 18, Dex 18, Con 16, Int 14, Wis 18, Cha 15. Height
5 ft. 10 in.

Skills and Feats: Appraise +6, Bluff +7, Climb +11, Diplomacy +11, Handle Animal
+8, Intimidate +7, Jump +11, Knowledge (Waterdeep history) +7, Knowledge (Waterdeep
local) +7, Listen +7, Move Silently +8, Perform (juggle) +3, Profession (fisherman)
+9, Profession (gamer) +9, Profession (sailor) +9, Ride (horse) +11, Sense Motive
+9, Spot +5, Swim +10; Ambidexterity, Blind-Fight, Endurance, Improved Critical
(longsword), Improved Initiative, Iron Will, Leadership (15), Twin Sword Style,
Two-Weapon Fighting, Weapon Focus (longsword), Weapon Specialization (longsword).

Possessions: +4 glamered mithral shirt, +2 construct bane longsword, +1 frost

dagger, ring of regeneration, periapt of proof against poison +4, Lord�s Amulet
(acts as an amulet of proof against detection and location, plus allows access to
magically warded areas of Waterdeep), Lord�s Helm (disguises voice and acts as a
ring of mind shielding), Lord�s Robes (magically disguises wearer to appear
identical to all other Lords of Waterdeep).

A fat, wheezing old rogue widely (and correctly) believed to be one of the Lords of
Waterdeep, Mirt the Moneylender made his fortune in Undermountain after a colorful
career as a mercenary general. As Mirt the Merciless or the Old Wolf, Mirt made
many enemies, particularly in skirmishes in Amn, Tethyr, and Calimshan. He also
made a few good friends, notably the adventurer Durnan.

More than one foe underestimates Mirt's agility and stealth because they see only
his public act as a roaring, tipsy braggart. However, only a stranger to Waterdeep
underestimates Mirt's cunning and his shrewd judgments of people. These qualities
have made him far richer as an investor in business ventures than he ever became as
a hiresword or treasure-gathering adventurer.

Mirt is a Harper as well as a Lord of Waterdeep, and has a heart of gold under his
boasting and love of horseplay and tavern brawling. He wants to leave Faer�n better
than he found it, and the long tales of his adventures would seem to indicate that
he just might do so.