When creating a new character players have an option of choosing one of the pre-established templates or "advanced". Advanced means you can choose any 3 skills (with a few exceptions) up to total of 100 skill point and maximum of 50 points in one skill. You can also choose your starting stats (max 60 points in one stat, total of 80). You may choose the starting town. Equipment depends on chosen skills, you always get 1000gp, basic clothing, book, dagger and candle. Pre-established templates are the following: Template 1 - Paladin Skills: Chivalry 51.0 Swordsmanship 49.0 Focus 30.0 Tactics 30.0 Stats: Str 45 Dex 20 Int 25 Equipment: NPC quality metal armour, broadsword, cape, body shash, tigh boots, 1000gp, book of chivalry. In bank: shoes, skirt/pants, shirt, dagger, book, candle. Appears in Haven. Template 2 - Necromancer Skills: Necromancy 50.0 Focus 30.0 Spirit Speak 30.0 Swordsmanship 30.0 Tactics 20.0 Stats: Str 25 Dex 20 Int 45 Equipment: NPC quality bluish leather armour, bone helm, long skirt, sandals, bone harvester, Book of Necromancy with 5 spells, 50 each necro regs, 1000gp. In bank: robe, 50 each necro regs, dagger, book, candle. Appears in Umbra. Template 3 - Warrior Skills: Tactics 50.0 Healing 45.0 Swordsmanship 35.0 Anatomy 30.0 Stats: Str 45 Dex 35 Int 10 Equipment: NPC quality studded armour and metal helm, NPC quality katana, scissors, 50 bandages, 1000gp. In bank: shoes, skirt/pants, shirt, dagger, book, candle. Appears in Moonglow**. Template 4 - Mage Skills: Magery 50.0 Meditation 50.0 Evaluating Intelligence 30.0 Wrestling 30.0 Stats: Str 25 Dex 20 Int 45 Equipment: Spell book with 12 spells + 3 scrolls, 50 each mage reagents, pants/skirt, shoes, shirt, robe, wizard's hat. In bank: 50 each mage regs, dagger, book, candle. Appears in Minoc**. Template 5 - Smith Skills: Blacksmithing 50.0 Tinkering 50.0 Armslore 30.0 Mining 30.0 Stats: Str 60 Dex 10 Int 10 Equipment: Smithy hammer, half apron, pickaxe, tinker's tools, 50 iron ingots, pants/skirt, shirt, shoes, 1000gp. In bank: Smithy hammer, pickaxe, tinker's tools, 50 iron ingots, dagger, book, candle. Appears in Skara Brae**. ** I believe that for templates 3-5 the city where character is created is random, but no option is given to choose a different town. All towns are in Trammel, except Umbra (Malas). All characters made with pre-established template may engage in a quest, which apart from giving some idea of the profession and UO in general, help earning some starting money and more equipment. Only players with AoS enabled accounts are offered the choice of creating a Paladin or a Necromancer (or to choose necromancy or chivalry as starting skills in "advanced" option). Edited: Advanced stat info.