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What's the difference between a personal house vault and a guild vault?

The permission options for both types of vaults are identical. However, for a guild vault, all Rank 0 guildmembers have full access by default, while private vault controls default to characters on the homeowner's account. Also, after a reposession, guild vault contents can be recovered from guild House Bankers in the marketplace. Contents of private vaults can be recovered from personal House Bankers in the same marketplace.

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