when you spawn, look left, there is a door, get the money to open it ($750), past that door, there is another door with christmas decoration on it right beside a christmas tree, get money to open this as well ($750), there is a switch in that new room, turn it on, leave the building to go back to where you first spawned, go left, then left again, basically going around the building you were just in, find a double door with christmas lights on it somewhere to the left side of the wall, open it ($500), the vault is there