Need money in the beginning of the game. Arnika Community bank is your answer (with that priss B*tch Lorac). Just give her either Antone's, He'li or Fisherwomans card, she'll open up the elevator. Head down, use the cards again to open up designated vaults, then head to the community storage (locks). Be careful, one of the doors has a golemn guarding it, so keep an eye out.
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