Tokyo, 1991: Starting as a bank clerk.

Two photocopies of the meeting agenda.

There was also a poorly cut, fragmented page showing the amount borrowed.

Kiryu Yaya's gaze lingered on that tattered page for a moment.

But instead of picking it up immediately, he first pulled out the "Letter of Appointment".

The paper is very new, and there's still a place to stamp it in the lower right corner.

It has obviously not been formally signed yet.

Keiko Miyazawa said in a low voice:

“My uncle gave me this document last Friday.”

He said that in order to facilitate the transactions between the group and the bank, he hoped that I would sign and stamp the document as soon as possible.

"Originally, a briefing was scheduled for Wednesday morning at the group's headquarters, with lawyers and finance managers in attendance."

“He said that my father had just passed away, and the group could not be in disarray. Many loan extensions, account management, external guarantees, and project funding arrangements all needed to be decided by someone as soon as possible.”

“These statements all sounded reasonable, so I didn’t doubt them at first.”

Her voice lowered.

"But after being at the bank today, I suddenly felt a little scared."

Kiryu Yaya remained silent.

His gaze had already fallen on the main text of the document.

Article 1. The authorized agent shall represent me in all transactions between the Gongze Group and its affiliated companies and various financial institutions, including opening, modifying, terminating, borrowing, reimbursing, setting up guarantees, and signing guarantee contracts.

Article 2. The agent may keep and use the company seal, bank seal, president's seal and other necessary seals on behalf of the company.

Article 3. The agent may, in his/her own name, negotiate with third parties on necessary financing matters and sign relevant contracts, confirmations, commitments and supplementary agreements.

Upon seeing this, Kiryu Yaya put down the paper and chuckled softly.

Keiko Miyazawa's expression immediately tensed up.

Is it bad?

"It's a little worse than very bad."

Kiryu Yaya looked up at her.

“This is not a simple ‘handling of procedures’.”

"This letter of appointment is more like asking you to tie your hands and feet and hand it over to someone else yourself."

Keiko Miyazawa was stunned.

Kiryu Yaya turned the document around, pushed it in front of her, and pointed to a few lines with his fingertip.

“Your father has just passed away, and you are the nominal heir to the group.”

"As long as you still hold the seal, account access, and final signing authority, no matter how powerful Miyazawa is, he can only be considered to be handling affairs on your behalf."

"But once you sign this letter of appointment..."

"From a banking perspective, he is almost equivalent to you."

“Opening accounts, changing permissions, adding collateral, signing new loans, making joint guarantees, and even signing documents that you should personally confirm can all be done by an authorized agent.”

Keiko Miyazawa's fingers tightened little by little.

Kiryu Yaya continued:

"The second one is even more deadly."

"Once the company seals, the bank seals, and the president's seal fall into his hands, you're not just half-powerful."

"Instead, it was completely sidelined by ninety percent of its functions."

Keiko Miyazawa looked down at the paper, her face slowly turning pale.

"...So that's how it is."

She had only felt uneasy instinctively before.

But it was only at this moment that she truly understood what that unease specifically referred to.

Kiryu Yaya put the "Letter of Appointment" back on the table.

"This document must absolutely not be signed."

Keiko Miyazawa nodded slowly.

"I see."

Chapter 45 Three-line note

Kiryu Yaya picked up the second note.

That was the handwriting left by Keiko Miyazawa's father.

The strokes were trembling, clearly indicating that the writer was in poor physical condition while writing.

Keiko Miyazawa looked at the note and said:

"This was left in the drawer of my father's study two days before he passed away."

"I've never shown it to anyone else."

Kiryu Yaya looked at the note.

The above consists of only three short lines:

"Kouza Sein Ahara Watanaru"

"The Rokka case involved borrowing one euro and then another."

「Soke Co., Ltd. Guaranteed Touchれるな」

These three sentences mean:

"Don't hand over the bank's seal to the original owner."

“Recheck the loan list for the Rokka case.”

"Don't even think about mortgaging the Zong family's shares."

Kiryu Yaya's gaze lingered on the last line.

Zongjia Shares.

guarantee.

It perfectly matched what he saw today using the "Banker's Eye".

It seems that Miyazawa Keiko's father had noticed something unusual in the later stages of his illness.

However, he didn't have time to completely resolve the matter.

Does your uncle know about this piece of paper?

"do not know."

"Does anyone else know?"

"No."

"very good."

Kiryu Yaya folded the note again and put it back in her hand.

"Don't show this to anyone yet."

"For the time being, we will not need any of our senior staff, secretaries, or lawyers."

Keiko Miyazawa nodded.

"it is good."

Kiryu Yaya then picked up the third document.

Those few photocopies were a simplified organizational outline of the Miyazawa Group.

Miyazawa Real Estate Development.

Miyazawa tourism development.

Miyazawa Transportation.

Miyazawa Hotel Management.

Rokko Golf Course Development.

The list of company names revealed a more complete scale than he had imagined.

Among them, two names were lightly circled by Keiko Miyazawa with a pencil.

One is €€€€

Miyazawa Tourism Development Co., Ltd.