The loyalty of all non-player characters associated with a given player character depends upon many factors.
First and foremost is the Charisma of the PC, of course. This initial loyalty is modified by subsequent factors and the continuing relations between liege and his or her henchmen and hirelings.
Loyalty is important when trouble arises - whether it is some insidious plot from within, a challenge from a rival, or in adventures or warfare. Typical situations which require a check for loyalty, obedience or morale are shown hereafter. Checks are made by adjustment of the base loyalty score (due to the PC’s Charisma rating). The final total is compared to the result of the percentile dice roll, and if the total is less than the number shown on the dice, the figure or figures in question are disloyal, disobedient, or have poor morale.
Normal Loyalty Base: 50% ± Charisma adjustment
When all modifying factors have been checked, adjust the base loyalty and roll percentile dice as noted above. (If you are certain of your DM ability, most of these factors should be apparent without actually checking them out, simply by empathizing with the character or group in question, and having them act accordingly. Until you are absolutely certain, however, it is urged that you use these tables.)
These rules should be used in conjunction with those given under Morale in Combat.