Those who do not pledge their allegiance to any faction are called Bannerless. They are not necessarily treated any worse for this but they would not get special treatment that faction members may get. One can choose to be bannerless either because they dislike all the factions or because they simply don’t care. If one chooses to be bannerless there are no stat changes. If a player starts out as bannerless they may join a faction during the course of game play should the opportunity arise.