Chapter 14 - The Notary

Gina Mercer hired a lawyer before she returned Rachel's call.
That told me enough to know she understood the seriousness of the situation.
Her lawyer's name was Samuel Ortiz.
He contacted Rachel the next morning and said Gina was willing to cooperate if communications went through counsel.
Rachel did not celebrate.
She simply scheduled a meeting.
We met at a neutral conference room in a downtown office building two days later.
Gina arrived carrying a canvas tote bag and looking as though she had not slept in a week.
She was forty-eight, with short dark hair and the strained politeness of someone whose professional life had suddenly become evidence.
She looked at me before sitting down.
"Mrs. Bennett, I am sorry."
Samuel touched her wrist.
"Gina, answer questions, but do not volunteer beyond what we discussed."
She nodded.
I did not tell her I accepted the apology.
I did not.
Rachel began.
"How long have you worked for David Bennett?"
"Eleven years."
"In what capacity?"
"Office manager, payroll coordinator, and administrative support."
"Did you create the email address [email protected]?"
Gina's eyes filled immediately.
"Yes."
My stomach tightened.
"Why?"
Rachel asked.
"David told me Anne wanted a separate account for financial documents because she did not want personal correspondence mixed with banking."
"Did you verify that with Anne?"
"No."
"Why not?"
Gina swallowed.
"He was my boss."
Rachel waited.
Gina looked ashamed.
"That is not a good answer."
"No," I said.
"It isn't."
She looked at me.
"I know."
Rachel continued.
"Who controlled the password?"
"David."
"Did you have it?"
"At first."
"Did you access the account?"
"Only to confirm it worked."
"Did you send documents from it?"
"No."
"Did David?"
"Yes."
Samuel leaned forward.
"To your knowledge."
Gina nodded.
"To my knowledge."
Rachel placed the home equity lien in front of her.
"Did you notarize this?"
Gina looked at the page.
"Yes."
"Was Anne Bennett physically present?"
"No."
I felt my pulse in my throat.
There it was.
A direct answer.
No interpretation.
No paperwork language.
No administrative misunderstanding.
I had not been there.
"Why did you notarize her signature?"
Gina began twisting the strap of her tote bag.
"David brought me the signed page."
"What did he say?"
"He said Anne had signed at home and did not want to come into the office."
"Did you know notarization generally requires the signer to appear before you?"
Gina looked at her lawyer.
He nodded once.
"Yes."
"Then why did you do it?"
Tears rolled down her face.
"Because he told me it was already agreed, and because I had worked for him for eleven years, and because he said if the loan did not close the company might miss payroll."
The last phrase changed something.
"He used his employees too," I said quietly.
Gina looked at me.
"He told us everyone would lose their jobs if the bank did not fund."
"Did the money save the company?"
"For a while."
Jonah, attending by video, asked how often David discussed cash shortages with staff.
Gina described emergency meetings.
Delayed vendor payments.
A payroll account that had nearly failed twice.
A tax payment pushed to the last possible day.
David had apparently been juggling obligations for months.
"Did he tell employees the company was insolvent?"
"No."
"Did he tell you he was borrowing against his home?"
"He said Anne agreed because the company was a family asset."
I almost laughed.
He had been telling everyone I agreed.
Consent had become the invisible employee doing all his work.
Rachel placed the fake separation agreement before Gina.
"Have you seen this?"
Gina's face changed.
"Yes."
"When?"
"In May."
"Where?"
"David's office."
"Who prepared it?"
She hesitated.
Samuel leaned toward her.
"Answer only if you know."
"Paul Greene."
The room went silent.
Rachel did not react.
"How do you know?"
"I printed drafts from emails he sent David."
"Do those emails still exist?"
"Some do."
"Where?"
Gina reached into her tote bag.
Samuel stopped her.
"We have copies to produce through counsel."
Rachel nodded.
"Thank you."
Gina's hands returned to the table.
"There were several versions."
"Versions of the separation agreement?"
"Yes."
"What changed?"
"Money."
Jonah leaned closer to his camera.
"What money?"
"Which accounts went to David."
"Did you see Carlisle named?"
"Yes."
"Was it always included?"
"No."
That surprised me.
"When was it added?"
Gina looked at me.
"After David asked me to find old financial files from when your father was alive."
My hands went cold.
"What files?"
"Old tax packages and net-worth statements."
"Why did you still have those?"
"Some were in archived company storage because your father had used the same accounting firm."
My father had trusted people to keep records.
Years later, David had used those records as a map.
"Did you give him account numbers?"
"No complete account numbers were visible."
"Balances?"
"Old balances."
"Enough to know Carlisle existed."
"Yes."
I closed my eyes.
That was how he found it.
Not through me.
Through the remains of my father's paperwork.
Rachel asked the question I had been dreading.
"Did you ever see Anne's signature copied onto documents?"
Gina looked at Samuel.
He whispered something to her.
She nodded.
"Once."
"Describe it."
"David had a PDF open on his screen with a signature image."
"Whose?"
"Anne's."
"How did you know?"
"It said Anne signature clean under the file name."
My stomach turned.
"What was he doing with it?"
"Dragging it onto a document."
"Which document?"
"I don't know."
"When?"
"Late May."
Late May.
The fake settlement agreement had circulated in early June.
Rachel asked whether Gina had ever confronted him.
"No."
"Why not?"
Gina wiped her face.
"Because by then he had started telling us Anne was unstable."
I stared at her.
"At work too?"
She nodded.
"He said you were angry about the separation and might make accusations against the company."
"Before I made any accusations."
"Yes."
The timing mattered.
David had been preparing his defense before I knew there was anything to defend myself against.
Samuel slid a printed email across the table.
"This is one of the documents my client has authorized us to provide today."
Rachel read it first.
Then she passed it to me.
The sender was David.
The recipient was Gina.
The date was May 29.
The subject was Anne docs.
The email said, Paul has what he needs.
Use the signature from the tax file if anything requires execution and route all verifications to the private number.
I read the sentence again.
There was no misunderstanding left in it.
Rachel's voice stayed level.
"Gina, did you follow that instruction?"
"I created the email account and changed contact information on two applications."
"Did you place the signature image?"
"No."
"Who did?"
"David or Paul."
Samuel interjected.
"She does not know which."
Rachel nodded.
"Understood."
Gina took another breath.
"There is one more email."
Samuel looked at her, then at Rachel.
"We intended to produce it with the larger set."
Gina shook her head.
"She should see it."
Her lawyer was silent for several seconds.
Then he removed a second page from his folder.
This email was dated the morning after the wedding.
David had sent it at 7:14 a.m.
The subject line was damage control.
The message was addressed to Gina and Paul Greene.
It said the wedding had gone badly.
It said I had frozen accounts.
It told them not to destroy anything, which almost sounded responsible until I read the next line.
Move all transition files off company systems and keep communications verbal until Victor advises.
Rachel's eyes hardened.
"Did you do that?"
Gina shook her head.
"No."
"Did Paul?"
"I don't know."
"Did David?"
"He removed his office computer."
We already had video of that.
Now we had the email explaining why.
The meeting ended after nearly two hours.
As we stepped into the hallway, my phone buzzed.
Emily.
She and Ryan were supposed to be on the fifth day of their honeymoon.
Her message contained a screenshot from an email she had just received.
The sender was Blue Heron Holdings.
The subject line read Loan Account Activated.
My stomach dropped.
The message thanked Emily for accepting a one-hundred-fifty-thousand-dollar family loan and stated that her first payment would be due in ninety days.
Emily added one sentence beneath the screenshot.
May you like
Mom, I never got this money.