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These characters receive a 1,500 exp. allowance to spend on potions and scrolls (100 exp. per spell level). Since the characters are native to Kirti, you may also choose to spend some or all of this allowance buying "favors." Each favor costs 500 exp. and must specify which church, guild, or other organization owes this favor. A favor can be redeemed at any time during the game, so long as the character is able to contact some person from the chosen organization. Any reasonable help will be given, provided what you ask for is within the power of the person you are dealing with.
Characters can also purchase a collection of magic items totaling 4,000 exp. or a single magic item worth 8,000 exp. For non-magical items you have 10,000 gp. This money can be used to purchase your equipment, and any other treasure you wish to carry.