・ 音 トク
Sino-Vietnamese: đức
彳 (walking) with 十, 目 (eye), 一 and 心 (heart): walking straight with honest eyes and a single heart — virtue, as in đạo đức (morality).
Stroke data: KanjiVG (CC BY-SA 3.0) — kanjivg.tagaini.net
これは私の不徳の致すところです。 (これはわたしのふとくのいたすところです)
This is due to my own lack of virtue.