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Chapter 7 - The Banker’s Ledger

The digital clock on the dashboard of my sedan read 2:14 AM as we pulled into the empty gravel lot behind a small, brick-faced regional bank on the edge of Oakhaven’s commercial district.

The bank was closed, but the lights in the second-story office of the branch manager remained on.

“Are you sure about this?” Henderson asked, keeping his voice low as I cut the engine. “Breaking into a bank—even a small regional one—turns us from investigators into federal fugitives.”

“We aren't breaking in,” I replied, unbuckling my seatbelt. “We’re making a scheduled appointment.”

“At two in the morning?”

“Arthur Pendelton doesn't sleep when his accounts are being audited by ghosts from his past,” I said, stepping out into the cold night air.

Arthur Pendelton was the senior vice president of Oakhaven Trust & Savings, but long before he wore tailored suits and managed local mortgages, he had been a junior finance officer assigned to our task force’s support battalion in Djibouti. He was the one who had set up the offshore shell companies we used to pay local informants—and he was the only person alive who could trace the sudden influx of millions of dollars into Meridian Security’s private accounts.

We walked around to the side entrance, where a heavy steel service door led directly to the administrative stairs. I didn't knock. I reached into my pocket, pulled out a specialized bypass card David Vance had taught me how to make years ago, and swiped it through the magnetic reader.

The red light flickered green, and the heavy door clicked open.

We slipped inside, moving in silence up the carpeted stairs until we reached the frosted-glass door labeled Arthur Pendelton, Branch Manager. A faint line of light showed beneath the door, accompanied by the muffled sound of frantic typing.

I didn't bother with the bypass card this time. I raised my hand and gave the door three sharp, measured raps.

The typing stopped instantly. Absolute silence filled the office on the other side.

“Arthur,” I said, my voice calm and carrying clearly through the wood. “Open the door. It’s Alexis Kaine.”

A chair scraped violently against the floor inside. Footsteps hurried toward the door, and the lock turned with a sharp click. The door pulled open to reveal Arthur Pendelton looking like a man who had stared directly into the abyss. His hair was disheveled, his tie was loosened, and his eyes were bloodshot behind thin wire-rimmed glasses.

“Captain Kaine?” Arthur whispered, his voice trembling as he looked from me to Henderson standing behind me in the shadows. “My God... they said you were dead. They said everyone from the old task force was being handled.”

“Handled by who, Arthur?” I stepped past him into the office, forcing him to retreat a step. “Meridian Security? Or the people paying them?”

Arthur swallowed hard, his hands shaking as he clutched a thick manila folder against his chest. “I didn't have a choice, Alexis. When the task force was shut down, they came to my house. They didn't threaten me with a gun—they showed me federal indictments for financial fraud on accounts I managed overseas. They said if I didn't launder their private contract payouts through this branch, my family would spend the rest of their lives in a federal supermax.”

Henderson stepped into the room, closing the door behind him and locking it. “Who gave you those files, Arthur? Give us a name.”

Arthur looked down at the manila folder in his hands, his knuckles white. He didn't answer immediately. Instead, he walked slowly back to his desk, placed the folder down, and opened it to reveal a printed wire transfer confirmation bearing a signature that made my blood run cold.

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It wasn't a defense contractor. And it wasn't Colonel Henderson.

It was signed by the current Director of Naval Intelligence—the exact man who had officially cleared David Vance of desertion just hours after he vanished.

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