The above poster is correct.
The vault will check your character's wealth against both his level and the time spent away form the vault. If you exceed what is deemed reasonable, you will be prompted to relinquish your extra goods or modifications before you can save your character to the vault. You can opt to save your character locally, however.
There will be 3 types of characters in NWN.
Local characters are stored in your hardrive. Don't expect to play with these excpet in single player mode or campaign created by your (very trusting) friends, and perhaps some fre-for-all servers. This shcratcers can easily be modified by anyone using the NWN toolset.
Vault characters will be more safe in the sence that although they are not cheat proof, they serve a purpose for DM's. How? The vault guarantees that any one particular character will abide by some preset standards in that a 5th level character will not be carrying a sword +5 of mage slaying. So lets say your a DM and you painstikly create a very involved adventure geared towards 5-6th level characters. By accepting vault characters you can be sure that they will be 5th and 6th level in power and wealth.
Server side characters are stored on the server you play in. These are unhackable characters. They are kept safe on the server and only the server DM's and you will have acces to it (although you cannot modify it, the DM;s certainly can). This is excellent for some persistent worlds, as well as small DM and player parties (the typical PnP session type of game).
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