"Co to my office for a mont..."
Jogriman, who hadn’t even had lunch, went straight back to the office. Compared to the docunts in hand, a thirty-nine dollar steak couldn’t divert his attention.
Two minutes later, a middle-aged man dressed ticulously with a lawyer badge pinned on his chest walked in.
Any judicial studies student who successfully graduates from the academy and obtains a lawyer qualification certificate can have such an "entry badge."
Although it’s just an "entry badge," even the Federation’s top lawyers wear them daily as a symbol of their identity, a form of alternative nobility.
"Naf, take a look at these docunts!" When Lynch left, he proactively gave Jogriman two pledge agreents and even prepared copies of other docunts, which made Jogriman regard Lynch more highly.
There’s a saying that everyone has opportunities, but not everyone can seize them, and even fewer are prepared to face them.
Most people understand that not everyone can seize opportunities; ninety-five percent remain diocre, missing those few chances to change their fate in their ordinary lives.
People understand the middle part, but not the last bit; sotis you think catching an opportunity changes life... and indeed it does.
When you’re ready, opportunities give you wealth, status, prestige matching your fullest capacity, turning into sothing like a gentle, water-like woman in your hands!
But if you’re not prepared, opportunity hits you like a freight train on your forehead, leading to family destruction from "seizing opportunities." This world isn’t short of such stories.
Opportunity certainly changes fate, but not always for the good; there are bad ones too.
Lynch was prepared and could even create opportunities. Jogriman had seen people like this before; given his status, he’s t so local and surrounding area famous figures, and he saw shadows of them in Lynch.
Ambitious and ready (like a hunter hidden in the dark, always ready to strike), these people’s success is almost inevitable, which is why Jogriman was willing to give Lynch a chance.
No one minds having too many high-quality relationships; living in society makes them unavoidable.
The man called "Naf" is a mber of the Golden Exchange Bank legal team in Sabin City. The bank has nurous lawsuits annually, hiring external lawyers would be too extravagant, so they cultivate their own legal team to save costs.
Naf seriously examined the docunts in hand, missing no symbol, even taking out a piece of paper to jot down so thoughts or specific section numbers.
About half an hour later, he exhaled, organized the docunts according to his viewing sequence, placed them on the desk, and looked at Jogriman.
"Are there any issues with these docunts?" Jogriman took out two pure-colored pens, handed one to Naf after thanks.
While cutting the pen’s cap, he replied, "No issues whatsoever; this pledge agreent is based on our current loan agreents, with so additional clauses added."
"Two clauses are particularly interesting—the first stipulates that if the borrower fails to repay shortly after signing the agreent, they must relinquish the pledged asset and still repay the principal and interest." A faint, perplexing smile appeared on his face, "This should be a new agreent from outside financial companies; they’ve never used this before!"
Naf’s face carried a scornful look; he despised those external financial companies, as did Jogriman.
In the past, Mr. Fox issued aid externally using promissory notes, and if they were residents, perhaps even without notes—this all changed with Lynch’s arrival.
Jogriman nodded, and Naf proceeded to discuss the next clause, "I noticed a line in their additional clauses..." Pointing it out for Jogriman to see, the content roughly described the agreent signing under third-party witness, voluntarily, with third-party nas and signatures listed.
"It’s a clever clause; personally, it seems problematic. When soone needs money, they’ll sign any agreent to obtain it."
"Such circumstances legally count as coercion, manipulation, yet it carries legal effectiveness; you sense its conflict but can’t ignore it—the brilliance lies with whoever conceived it!"
When soone urgently needs funds, they inherently fall into a passive and vulnerable state, not entirely incorrect by Naf’s description of manipulation and coercion.
For swift cash acquisition, they’d do anything, let alone personally write such a statent, so subjectively, this clause appears unnecessary, an attempt to obscure realities.
Yet legally, it holds value as judges don’t consider borrowers’ ntal states, and lawyers won’t grant them eting chances. They will only ask if anyone threatened them with knives or guns, whether their consciousness was clear, what they’d written down... Well, it’s valid.
"Your implication is we might use it in our agreents?" Jogriman further questioned, and Naf nodded, "Good, report to branch for their research." He paused, "Continue!"
After leaving the pledge agreents aside, Naf picked up other docunts, "The rest are official docunts with legal effectiveness, although Gaitenau Financial Company’s commission to Dyson Asset Managent Company involves a few counter-clauses..."
He then briefly explained them, but both understood they lacked intrinsic value; one can’t expect those financial companies to engage in daily court battles.
Their value primarily resides in legal recognition, not execution power—for execution prowess, perhaps financial companies’ operatives excel more.
"Are you saying Dyson Asset Managent’s managent and control over these agreents and contents is legitimate?" Jogriman inquired about his main concern, though Naf had explained before.
"Yes, sir, until the counter-clauses activate, Dyson Asset Managent legally possesses these ’assets.’"
Jogriman further asked, "Including pledging these agreents?"
Naf hesitated briefly, quickly realizing why Jogriman, the credit departnt manager, wanted him reviewing these docunts. After two or three seconds, he nodded, "At least state law concurs; if you need info from other states, I can request legal aid from the branch."
Jogriman waved it off, stood, and extended his hand as Naf followed suit, buttoning his coat, "No need, thank you for taking the ti to help review these..."
"It’s my duty!" Naf noticed Jogriman’s extended hand and promptly shook it, then graciously bade farewell.
After sending Naf away, Jogriman closed the door, giving a slight smile towards the docunts on the desk.
According to Lynch, he possesses what is worth millions in pledge loan agreents, or rather a multitude of loan agreents; he’s realized once Lynch gets funds, equivalent to Gaitenau Financial obtaining funds.
Once a financial company gains funds, what they do is undoubtedly continue to assist those lacking money, turning into a growing snowball.
The bank’s risk control well sets in, terminating authority before pledge agreents’ counter-clauses activate, evading all risks—risks borne by the two companies alone.
Dyson Asset Managent Company acting as the interdiary and Gaitenau Financial as the "frontline company," risks for the bank, including Lynch, are minimal.
Potentially risky is Dyson Asset Managent; from the financial company’s perspective, agreent presence doesn’t hinder continued debt collection, but agreent issues would burden the asset managent company as bad debts or even offer tax escape routes, concealing large sums!
Yet these don’t concern him—standing by the window, he pondered briefly before leisurely returning to his desk, picking up the phone, "...what reward did the branch ntion for the year’s top performance?"
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