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Chapter 9: The Woman in the Photograph

“Using my identity?”” Caroline repeated.

Her voice cracked.

Evelyn nodded slowly.

“Victor may have been using your name to authorize transactions, sign delivery records, and gain access to documents. I don't yet know how much he has done.””

Caroline pressed both hands to her face.

“No. No, I gave him a copy of my driver's license for the consulting agreement, but I never gave him permission to sign anything else.””

Devereux moved toward her.

“Why didn't you tell me about the license?””

“Because I thought it was part of the employment paperwork!””

“You said the agreement was harmless.””

“I believed it was!””

Ruthie raised a hand.

“Enough. We will not establish the truth by shouting over one another.””

She turned to Evelyn.

“What does the ledger tell us?””

Evelyn placed it on the desk and opened the marked section.

“Victor created a network of consulting companies. Some were legitimate businesses. Others existed only on paper. Money moved from the foundation into those companies through invoices for services that were never provided.””

Vivian stared at the entries.

“These payments were listed as event planning, investment research, and scholarship administration.””

“Exactly,” Evelyn replied.

“The descriptions were designed to look ordinary.””

Devereux leaned over the page.

“How much?””

Evelyn pointed to a column of figures.

“Four million dollars in the first series of transfers. Additional amounts were moved through smaller accounts over the following months.””

Ruthie felt her stomach tighten.

“Four million.””

“The original scholarship reserve was drained in stages,” Evelyn said.

“Some money was returned temporarily to make the account appear healthy before quarterly reviews.””

Vivian looked horrified.

“Students were receiving scholarship awards based on balances that didn't exist.””

“Yes.””

Ruthie closed her eyes.

She pictured the letters she had signed, the students who had called to thank her, the parents who had cried in her office because their children could attend college without taking on crushing debt.

“Did any students lose their awards?”” she asked.

“Not all,” Evelyn replied.

“Some payments were made from other accounts to cover the shortfall. But I cannot confirm that every commitment was honored.””

Ruthie opened her eyes.

“Then we will confirm every one. No student will be abandoned because someone stole from this foundation.””

Caroline watched her, trembling.

“Ruthie, I swear I didn't know.””

Ruthie looked at her.

“I hear you. But we need to establish what you signed, what you received, and what Victor did with your information.””

Caroline nodded.

For once, she didn't argue.

Lenora moved closer to the desk.

“There's another issue. The photograph from the gala shows Victor wearing a ring that belonged to Mr. Mae. If we can establish how he obtained it, we might learn who gave him access to the office.””

Evelyn looked at Ruthie.

“Where did you keep the ring?””

“In a velvet box inside my desk drawer.””

“Who knew that?””

“My family. A few longtime employees.””

Devereux frowned.

“Could the ring have been taken months ago?””

Ruthie thought about it.

“I haven't checked the box in weeks.””

Caroline suddenly sat upright.

“Victor told me he had something that belonged to your husband. He said it would prove he had been trusted by the family.””

Evelyn's face darkened.

“He was using the ring as leverage.””

“Leverage for what?”” Devereux asked.

“To make people believe he had authority. To suggest that Mr. Mae had approved his actions before he died.””

Ruthie gripped the edge of the desk.

“My husband would never have approved stealing from children.””

“I know,” Evelyn said softly.

“That's why I kept the original ledger.””

A knock interrupted them.

The security officer returned with a tablet.

“Mrs. Mae, we reviewed the reception camera footage. The woman who delivered the envelope was wearing a staff badge assigned to the executive office.””

Ruthie took the tablet.

The video showed a woman in a gray jacket approaching the reception desk, placing an envelope on the counter, and signing the delivery log.

The footage was clear enough to reveal her face.

Caroline stared at the screen.

“That isn't me.””

“No,” Lenora said.

“It isn't.””

Devereux leaned closer.

“Who is she?””

Evelyn's face lost its color.

“That's Nadine Cole.””

Vivian turned sharply.

“Your former assistant?””

Evelyn nodded.

“Nadine worked for Victor for almost a year. She handled correspondence and maintained his appointment calendar.””

“Why would she use Caroline's name?”” Devereux asked.

“Because Victor needed someone whose signature could be connected to the foundation without attracting immediate suspicion,” Evelyn replied.

Caroline sank into the chair.

“He told me the delivery was supposed to be a warning. He said someone would leave Ruthie a photograph and then the family would understand the danger.””

Ruthie looked at her.

“You knew about the envelope?””

Caroline nodded miserably.

“I knew Victor planned to send something. I didn't know what was inside.””

“And you said nothing.””

“I was afraid he'd release the documents he claimed proved I had helped him.””

Devereux looked away.

“You could have trusted me.””

“I know.””

“You could have trusted my mother.””

“I know.””

“Instead, you helped him keep us in the dark.””

Caroline began to cry harder.

“I thought I could control it. I thought if I followed his instructions once, he would leave us alone.””

Evelyn's voice softened, but her expression remained firm.

“That's how Victor works. He doesn't ask for everything at once. He asks for one small favor, then another. By the time you understand the whole arrangement, he has enough information to make you afraid of saying no.””

Ruthie looked at the ledger.

“And Nadine?””

“She was supposed to preserve records and move documents between offices,” Evelyn said.

“When I discovered the transfers, she disappeared. I suspected she was helping Victor conceal the evidence.””

Lenora zoomed in on the video.

“There's something on her badge.””

A small silver emblem glinted beneath the name.

She enlarged it.

The emblem was a crown above the letters *V.M.*

Devereux exhaled sharply.

“Victor's company.””

“Yes,” Lenora replied.

“But look at the timestamp.””

The delivery had occurred eleven minutes before the gala began.

Ruthie looked at the security officer.

“Can you track where she went?””

“We're reviewing the building cameras now.””

“Do it.””

The officer left.

Evelyn turned another page in the ledger.

“There is one final entry you need to see.””

She pointed to a transaction dated three days after Ruthie's husband died.

The amount was smaller than the four-million-dollar transfer, but the description made Ruthie's blood run cold.

*ESTATE ACCESS — PERSONAL EFFECTS RELEASE.*

Beside it was an authorization code and the initials *D.M.*

Devereux stared.

“Those are mine.””

Ruthie looked at her son.

“What does that entry mean?””

“I don't know.””

Evelyn turned the ledger toward him.

“Your signature authorized the release of several items from your father's office. The inventory includes the ring, the original investment agreements, and a sealed envelope.””

Devereux shook his head.

“I never collected those things.””

“Then someone used your authorization to collect them.””

Caroline looked up suddenly.

“Victor told me he had received permission from the family to access the office.””

“From whom?”” Ruthie asked.

“He wouldn't say.””

Ruthie studied the transaction.

Her husband had died three days before the transfer. The safe had been opened by someone using a valid-looking authorization. The ring had disappeared. The original ledger had been removed and hidden.

It was no longer a collection of unrelated incidents.

Someone had planned the entire sequence.

Lenora's phone vibrated.

She checked the screen and went still.

“What is it?”” Devereux asked.

“An email from the upload service. Someone has requested the full-resolution originals of every photograph taken tonight.””

Vivian frowned.

“Who?””

Lenora turned the screen toward them.

The request came from an account registered to Mercer Advisory Group.

But the billing address belonged to a different company.

Ruthie read the name.

*MAE FAMILY HOLDINGS.*

Devereux stared at the screen.

“That company owns our family's old investment properties.””

Ruthie shook her head.

“No. It owns the properties your father placed in a separate trust. The foundation has never controlled it.””

Evelyn closed the ledger.

“Then Victor may be trying to reach something beyond the scholarship account.””

Caroline slowly raised her head.

“I know that name.””

Everyone turned toward her.

She swallowed.

“Mae Family Holdings. Victor told me he needed my consulting agreement because the company was preparing to sell one of its properties.””

Devereux stared at her.

“What property?””

“The old riverfront building.””

Ruthie's heart began to pound.

The building had been empty for years. Her husband had purchased it decades earlier, intending to turn it into a community center. Before he died, he had told her that the property should never be sold without the family's approval.

“Why would Victor want that building?”” she asked.

Caroline looked at the ledger.

“Because he said there was something hidden inside it.””

Evelyn's face changed.

“The original records.””

Ruthie turned toward her.

“What records?””

Evelyn hesitated.

Then she looked at Devereux.

“Your father kept a second ledger. The one in the safe was only a copy.””

Devereux stared at her.

“Where is the original?””

Evelyn's voice dropped to a whisper.

“Inside the riverfront building.””

Before anyone could move, Lenora's tablet chimed again.

A live photograph appeared on the screen.

The image showed the riverfront building's front entrance, taken only seconds earlier.

A black sedan was parked outside.

Two men stood beside the doors.

One of them was Victor Mercer.

The other was carrying a metal case.

And beneath the image was a message addressed directly to Ruthie:

*COME ALONE IF YOU WANT TO KNOW WHAT YOUR HUSBAND REALLY LEFT YOU.*

Ruthie looked at Devereux.

Then at Evelyn.

Then at the original ledger lying open on the desk.

For the first time that night, she understood the full danger.

Victor wasn't merely trying to escape with the stolen money.

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He was trying to reach the one piece of evidence that could expose every person involved.

And he was willing to use her husband's memory to get it.

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