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Home Court filings USA v. Ayvazyan et al — Arman Hayrapetyan filings, C.D. Cal. OPPOSITION to MOTION in Limine to Preclude Summary Witness 451 filed by Plaintiff… — US…

Court filing

OPPOSITION to MOTION in Limine to Preclude Summary Witness 451 filed by Plaintiff… — USA v. Ayvazyan et al (Dkt. 504)

Record facts

CourtU.S. District Court for the Central District of California
Filed2021-06-11

U.S. District Court for the Central District of California · No. 2:20-cr-00579-SVW · Doc. 504 · 2021-06-11 · Docket on CourtListener

Summary

The government's opposition to defendant Richard Ayvazyan's motion in limine to preclude a summary witness (ECF 451) in USA v. Ayvazyan et al, No. 2:20-cr-00579-SVW, in the U.S. District Court for the Central District of California, filed June 11, 2021 as Doc. 504. It argues that summary chart exhibits tracing the flow of loan funds and comparing PPP and EIDL applications are admissible under Federal Rule of Evidence 1006, and that the underlying bank records and loan files were produced in discovery. The government says a managing director of Stout Risius Ross, LLC, retained to assist its investigation, will testify as a lay summary witness under Rules 602 and 701, not as an expert. It states the charts rest on records for around 24 accounts and around 27 loans, plus loan files for approximately 60 loans. The 28-page filing carries the /s/ signature of Scott Paetty.

Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used

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TRACY L. WILKISON 
Acting United States Attorney 
SCOTT M. GARRINGER 
Assistant United States Attorney 
Chief, Criminal Division 
SCOTT PAETTY (Cal. Bar No. 274719) 
CATHERINE AHN (Cal. Bar No. 248286) 
BRIAN FAERSTEIN (Cal. Bar No. 274850) 
Assistant United States Attorneys 
Major Frauds/Environmental and Community Safety Crimes Sections 
1100/1300 United States Courthouse 
312 North Spring Street 
Los Angeles, California 90012 
Telephone: (213) 894-6527/2424/3819 
Facsimile: (213) 894-6269/0141 
E-mail: 
 Scott.Paetty@usdoj.gov 
 
 Catherine.S.Ahn@usdoj.gov 
 
 Brian.Faerstein@usdoj.gov 
 
DANIEL S. KAHN 
Acting Chief, Fraud Section 
Criminal Division, U.S. Department of Justice 
CHRISTOPHER FENTON 
Trial Attorney, Fraud Section 
Criminal Division, U.S. Department of Justice 
1400 New York Avenue NW, 3rd Floor 
Washington, DC 20530 
Telephone: (202) 320-0539 
Facsimile: (202) 514-0152 
 
E-mail: 
  Christopher.Fenton@usdoj.gov 
 
Attorneys for Plaintiff 
UNITED STATES OF AMERICA 
 
UNITED STATES DISTRICT COURT 
 
FOR THE CENTRAL DISTRICT OF CALIFORNIA 
 
RICHARD AYVAZYAN, 
aka “Richard Avazian” and 
    “Iuliia Zhadko,” 
MARIETTA TERABELIAN, 
  aka “Marietta Abelian” and     
      “Viktoria Kauichko,” 
ARTUR AYVAZYAN, 
aka “Arthur Ayvazyan,” and 
TAMARA DADYAN, 
MANUK GRIGORYAN, 
  aka “Mike Grigoryan,” and 
      “Anton Kudiumov,” 
ARMAN HAYRAPETYAN, 
EDVARD PARONYAN, 
aka “Edvard Paronian” and 
    “Edward Paronyan,” and 
VAHE DADYAN, 
No. CR 20-579-SVW-2 
GOVERNMENT’S OPPOSITION TO 
DEFENDANT RICHARD AYVAZYAN’S 
MOTION IN LIMINE TO PRECLUDE 
SUMMARY WITNESS (ECF 451); 
MEMORANDUM OF POINTS AND 
AUTHORITIES 
Hearing Date: June 14, 2021 
Hearing Time: 1:30 p.m. 
Trial Date:   June 15, 2021 
Location:     Courtroom of the  
             Hon. Stephen V.  
             Wilson  
Case 2:20-cr-00579-SVW     Document 504     Filed 06/11/21     Page 1 of 28   Page ID
#:6100

 
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Defendants. 
 
Plaintiff United States of America, by and through its counsel 
of record, the Acting United States Attorney for the Central District 
of California, Assistant United States Attorneys Scott Paetty, 
Catherine S. Ahn, and Brian Faerstein, and Department of Justice 
Trial Attorney Christopher Fenton, hereby files its opposition to 
defendant Richard Ayvazyan’s motion in limine to preclude summary 
witness.  (ECF 451.)  This opposition is based upon the attached 
memorandum of points and authorities, the files and records in this 
case, and such further evidence and argument as the Court may permit. 
Dated: June 11, 2021 
Respectfully submitted, 
 
TRACY L. WILKISON 
Acting United States Attorney 
 
SCOTT M. GARRINGER 
Assistant United States Attorney 
Chief, Criminal Division 
 
 
      /s/ 
 
SCOTT PAETTY 
CATHERINE AHN 
BRIAN FAERSTEIN 
Assistant United States Attorneys 
CHRISTOPHER FENTON 
Department of Justice Trial Attorney 
 
Attorneys for Plaintiff 
UNITED STATES OF AMERICA 
 
 
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#:6101

 
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TABLE OF CONTENTS 
DESCRIPTION 
PAGE 
TABLE OF AUTHORITIES...............................................ii 
MEMORANDUM OF POINTS AND AUTHORITIES................................1 
I. 
INTRODUCTION...................................................1 
II. 
STATEMENT OF FACTS.............................................2 
A. 
Describing the Flow of Funds..............................2 
B. 
Comparing the Many PPP and EIDL Loan Applications.........3 
C. 
The Summary Chart Exhibits Were Produced in a Form 
that Allowed the Defense to Prepare to Cross-Examine 
Summary Witnesses at Trial................................4 
III. ARGUMENT.......................................................5 
A. 
The Summary Chart Exhibits Are Admissible Under 
Federal Rule of Evidence 1006.............................5 
1. 
The Materials Underlying the Summary Chart 
Exhibits Are Admissible and Were Made Available 
to Defendants........................................6 
2. 
The Materials Underlying the Summary Chart 
Exhibits Are Voluminous..............................9 
B. 
Ms. Robinson Will Testify Appropriately as a Lay 
Witness Under Federal Rules of Evidence 602 and 701......11 
C. 
Neither Ms. Robinson’s Testimony Nor the Summary Chart 
Exhibits Should Be Precluded Under Federal Rule of 
Evidence 403.............................................15 
1. 
Ms. Robinson’s Testimony Should Not Be Precluded 
Under Rule 403......................................15 
2. 
The Summary Chart Exhibits Should Not Be 
Precluded Under Rule 403............................17 
D. 
Defendant’s Proposed Restrictions on Ms. Robinson’s 
Testimony and the Summary Chart Exhibits Should Be 
Rejected.................................................21 
IV. 
CONCLUSION....................................................23 
 
 
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TABLE OF AUTHORITIES 
DESCRIPTION 
PAGE 
CASES 
Barsky v. United States, 339 F.2d 180 (9th Cir. 1964)..............20 
Diamond Shamrock Corp. v. Lumbermens Mut. Cas. Co., 466 F.2d 722 
(7th Cir. 1972)...............................................13 
Goldberg v. United States, 789 F.2d 1341 (9th Cir. 1986)...........13 
United States v. Abbas, 504 F.2d 123 (9th Cir. 1974)...........22, 23 
United States v. Aubrey, 800 F.3d 1115 (9th Cir. 2015).11, 13, 15, 23 
United States v. Boesen, 541 F.3d 838 (8th Cir. 2008)..............21 
United States v. Fullwood, 342 F.3d 409 (5th Cir. 2003)........... 16 
United States v. George, 160 F. App’x 450 (6th Cir. 2005)..........19 
United States v. Keplinger, 776 F.2d 678 (7th Cir. 1985)............6 
United States v. Lemire, 720 F.2d 1327 (D.C. Cir. 1983)............19 
United States v. Leon-Reyes, 177 F.3d 816 (9th Cir. 1999)..........21 
United States v. Montgomery, 384 F.3d 1050 (9th Cir. 2004).9, 11, 21, 
23 
United States v. Pree, 408 F.3d 855 (7th Cir. 2005)................13 
United States v. Rizk, 660 F.3d 1125 (9th Cir. 2011)...........passim 
United States v. Robinson, 774 F.2d 261 (8th Cir. 1985).............9 
United States v. Scholl, 166 F.3d 964 (9th Cir. 1999)...............6 
United States v. Vázquez-Soto, 939 F.3d 365 (1st Cir. 2019).........8 
OTHER AUTHORITIES 
Ninth Circuit Manual of Model Criminal Jury Instruction, No. 
4.17 .....................................................20, 22 
Ninth Circuit Manual of Model Criminal Jury Instructions, No. 
3.9 .....................................................15, 22 
RULES 
Federal Rule of Evidence 403...................................15, 17 
Federal Rule of Evidence 602...............................11, 12, 15 
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TABLE OF AUTHORITIES (CONTINUED) 
DESCRIPTION 
PAGE 
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Federal Rule of Evidence 701...................................11, 15 
Federal Rule of Evidence 803(6).....................................6 
Federal Rule of Evidence 902(11)....................................6 
Federal Rule of Evidence 1006.......................................5 
 
 
 
 
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MEMORANDUM OF POINTS AND AUTHORITIES 
I. 
INTRODUCTION 
The government intends to have a witness describe the flow of 
fraudulently obtained funds using summary chart exhibits based on 
documents produced in discovery.  Defendants have moved to preclude 
this testimony and these exhibits based on arguments already rejected 
by this Court and misrepresentations of the facts.  (ECF 451.)  
Defendant’s motion is untethered to the facts of this case or 
governing law, and should be denied for the following reasons. 
First, the summary charts the government seeks to admit, which 
synthesize voluminous information from bank records and COVID-19 
disaster relief loan files, are admissible as summary exhibits under 
Rule 1006.  The government produced in discovery all of the bank 
records and loan file information – months before its more recent 
courtesy production of electronic copies of its trial exhibits to 
defendants – and these underlying materials are admissible as self-
authenticating business records under Rules 803(6) and 902(11). 
Second, contrary to defendant’s unfounded assumptions, Ms. 
Robinson will appropriately be testifying as a lay, not expert, 
witness.  The government retained Ms. Robinson and the consulting 
firm for which she works (Stout Risius Ross, LLC) to assist in the 
government’s underlying investigation in this case, not to provide 
expert witness testimony.  Ms. Robinson will be testifying as a 
summary witness based on her personal knowledge of the investigation 
and the materials underlying the summary charts. 
Third, Ms. Robinson’s anticipated testimony and the summary 
charts are highly probative of defendant’s and his coconspirators’ 
guilt for the charged offenses in the superseding indictment.  The 
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high probative value of this evidence is not substantially outweighed 
by any danger of unfair prejudice, including the purported grounds 
for prejudice defendant raises in his motion. 
Finally, the limitations defendant proposes in the alternative 
on Ms. Robinson’s testimony and the use of the summary charts at 
trial are unnecessary and not supported by law or the facts of this 
case, and should be rejected. 
II. 
STATEMENT OF FACTS 
A. 
Describing the Flow of Funds 
The government retained Stout Risius Ross, LLC (“Stout”), 
including Managing Director Marylee Robinson, to assist in its 
investigation of defendants’ extensive fraudulent activities.  In 
sum, Stout helped the government follow the money.  Having reviewed 
volumes of loan files and bank records, the Stout team assisted by 
describing the flow of funds from start to finish, including 
explaining how the fraudulently-obtained funds were used. 
Although not required to do so, one month before trial, the 
government provided written notice to defendants of its intention to 
call a member of the Stout team – namely Ms. Robinson - to testify at 
trial.  The government disclosed the nature of Ms. Robinson’s 
testimony, including that she would speak to the specific financial 
transactions referenced in the First Superseding Indictment:   
Ms. Robinson will identify the accounts at various banks and 
 
brokerages used by the defendants and their co-conspirators, 
 
including the bank and brokerage accounts referenced in the 
 
First Superseding Indictment.  She will describe flows of funds 
 
into, out of, and between these and other accounts, including to 
 
trace the use of Paycheck Protection Program (PPP) and Economic 
 
Injury Disaster Loan (EIDL) loan proceeds that were deposited or 
 
transferred into these and other accounts. 
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(ECF 451-3.)  The government further disclosed the basis of Ms. 
Robinson’s testimony, including her “review of bank and brokerage 
account records, as well as accounting and other business records 
from escrow companies and vendors, which previously have been 
provided to the defendants in discovery.”  (Id.)   
Pursuant to the Court’s order, on June 1, 2021, two weeks before 
trial, the government provided defendants with a copy of the summary 
chart exhibits that it anticipates Ms. Robinson will use as part of 
her trial testimony.  (See ECF 451-8.)  This set of summary chart 
exhibits (hereinafter referred to as the “Flow of Funds Summary 
Charts”), describe the flow of fraudulently-obtained loan funds – 
i.e., the exhibits follow the money – based on Ms. Robinson’s review 
of bank records for around 24 accounts and files for around 27 loans, 
which is voluminous.  (See ECF 451-6.)  Consistent with the 
government’s prior written notice, most of this information 
specifically ties back to the accounts and loans referenced in the 
First Superseding Indictment.  All of the information has been 
previously produced in discovery and is admissible.   
B. 
Comparing the Many PPP and EIDL Loan Applications 
Pursuant to the Court’s order, on June 1, 2021, two weeks before 
trial, the government also provided defendants with a copy of a set 
of summary chart exhibits summarizing information from the many 
COVID-19 disaster relief loan applications submitted (or caused to be 
submitted) by defendants (hereinafter the “Loan Summary Charts” and, 
together with the “Flow of Funds Summary Charts,” the “Summary Chart 
Exhibits”).  The Loan Summary Charts are based on voluminous loan 
files for approximately 60 loans alleged to be within the scope of 
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the conspiracy.  (See ECF 451-7.)  The government anticipates that a 
case agent will testify about the Loan Summary Charts at trial.1  
C. 
The Summary Chart Exhibits Were Produced in a Form that 
Allowed the Defense to Prepare to Cross-Examine Summary 
Witnesses at Trial 
 
The Summary Chart Exhibits provided to defendants on June 1 were 
in near-final form.  In the cover email attaching the Summary Chart 
Exhibits, the government explained that it reserved certain rights, 
including: (i) “the right to change layout/presentment as needed for 
technology or other presentation purposes but underlying content 
remains the same”; (ii) “the right to remove information from summary 
exhibits or correct information, as needed”; and (iii) “the right to 
not seek admission of all the information in the list.”  (ECF 451-8.)  
Accordingly, the government marked the Summary Chart Exhibits 
“draft”.  (See ECF 451-6, 451-7.)  None of these reserved rights, 
however, potentially affect the content of the Summary Chart Exhibits 
such that they would result in a substantive change that would hinder 
the defense’s ability to effectively prepare to cross-examine Ms. 
Robinson or a case agent at trial.2 
 
1 The government does not anticipate that Ms. Robinson will use 
the Loan Summary Charts as part of her trial testimony. 
2 In the course of their review of the Summary Chart Exhibits, 
counsel for defendant R. Ayvazyan flagged that the exhibits cited to 
certain government exhibit numbers that were not on the government’s 
trial exhibit list.  (See ECF 451-9.)  The government explained that 
this was a citation error caused by the fact that some of the 
government exhibit numbers changed between the time when the 
government provided the summary chart exhibits and the trial exhibit 
list to the defendants.  (See id.)  The detailed descriptions of the 
government exhibits on which the summary chart relied (i.e., name of 
account holder, bank, and last four digits of account number) 
remained the same.  Defendants therefore had notice of the documents 
on which the summary chart exhibits rely and, with the aid of the 
detailed index the government had provided in discovery, can easily 
locate these documents (which had been previously produced to 
defendants in discovery). 
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III. ARGUMENT 
A. 
The Summary Chart Exhibits Are Admissible Under Federal 
Rule of Evidence 1006 
Defendant contends that the “Summary Charts should be excluded 
because the government has not met either [Rule 1006’s] or the Ninth 
Circuit’s basic prerequisites for admitting summary charts.”  (ECF 
451 at 4-5.)  Defendant is wrong. 
Federal Rule of Evidence 1006 provides: 
The proponent may use a summary, chart, or calculation to 
prove the content of voluminous writings, recordings, or 
photographs that cannot be conveniently examined in court. 
The proponent must make the originals or duplicates 
available for examination or copying, or both, by other 
parties at a reasonable time and place. And the court may 
order the proponent to produce them in court. 
Fed. R. Evid. 1006.  The Advisory Committee Notes to Rule 1006 add 
that, “[t]he admission of summaries of voluminous books, records, or 
documents offers the only practicable means of making their contents 
available to judge and jury.  The rule recognizes this practice, with 
appropriate safeguards.”  Fed. R. Evid. 1006, 1972 Advisory Committee 
Notes; see also United States v. Rizk, 660 F.3d 1125, 1130 (9th Cir. 
2011) (“The purpose of the rule is to allow the use of summaries when 
the documents are unmanageable or when the summaries would be useful 
to the judge and jury.”) (citation omitted).  
The Ninth Circuit has explained that, “[a] proponent of summary 
evidence must establish that the underlying materials upon which the 
summary is based (1) are admissible in evidence and (2) were made 
available to the opposing party for inspection.”  Rizk, 660 F.3d at 
1130.  While the underlying materials “must be admissible, [they] 
need not themselves be admitted into evidence.”  Id.  With respect to 
the contents of the summary charts, any contention that the chart may 
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contain inaccuracies or omissions goes to the weight of the evidence, 
not its admissibility.  Rizk, 660 F.3d at 1131 at n.2; see also 
United States v. Scholl, 166 F.3d 964, 978 (9th Cir. 1999) 
(“‘Generally, objections that an exhibit may contain inaccuracies, 
ambiguities, or omissions go to the weight and not the admissibility 
of the evidence.’” (quoting United States v. Keplinger, 776 F.2d 678, 
694 (7th Cir. 1985))).  All of these criteria are met here. 
1. 
The Materials Underlying the Summary Chart Exhibits 
Are Admissible and Were Made Available to Defendants 
Defendant argues that the government “has not established the 
admissibility of the evidence underlying” the Summary Chart Exhibits, 
claiming the charts “rely on exhibits that the government has yet to 
produce to defendants.”  (ECF 451 at 5.)  This is false. 
The government produced in discovery all of the underlying 
information reflected in the Summary Exhibit Charts.  That 
information consists of bank records and loan files, along with 
certifications from the business entities that provided the records.  
As the government explains more fully in its motion in limine #4 to 
admit self-authenticating business records, all of these materials 
are admissible as business records and self-authenticating under 
Federal Rules of Evidence 803(6) and 902(11).  (See ECF 468.)  In 
short, the evidence underlying the Summary Chart Exhibits is both 
admissible and has been made available to defendant for inspection.  
Rizk, 660 F.3d at 1130. 
Moreover, defendant’s contention that the “exhibits” themselves 
have not yet been produced is factually inaccurate and misleading.  
It is also wholly irrelevant.  The government has clearly identified 
for defendant the self-authenticating business records summarized in 
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the Summary Chart Exhibits.  Specifically, the Summary Chart Exhibits 
refer to exhibit numbers reflected in the exhibit list the government 
provided to the defense on June 1, 2021, and the exhibit list in turn 
refers to the Bates-numbers for all of the materials previously 
produced to the defense.  The Summary Exhibit Charts also describe 
the records and loan files on which they rely.  While not required to 
do so, the government has endeavored to provide defendants with 
electronic copies of all of the government’s trial exhibits in 
advance of trial.  (See ECF 473.)  But, as this Court recognized in 
its Order denying other defendants’ ex parte applications to continue 
trial, “an electronic copy of each exhibit is not what allows an 
attorney to meaningfully prepare for trial; rather, it is the 
documents underlying those exhibits that allow meaningful 
preparation.”  (ECF 492 at 1 (emphasis in original).)  Defendants 
have had these documents for months.   
Defendant also claims that the Summary Chart Exhibits “contain 
images that have not been produced in discovery and that are not 
admissible as evidence.”  (ECF 451 at 6.)  Defendant points only to 
four photographs of residential properties sourced from Zillow.com, 
claiming that because the government “has not disclosed how the 
images were obtained, when, by whom, or what they purported to be,” 
they are inadmissible.  (Id.)  This claim is false.  The government 
included on each slide the specific link to the Internet website 
where the relevant pictures may be found.  And defendant redacted it. 
Defendant also argues that, because “the images were not 
included on the government’s exhibit list,” they are therefore 
inadmissible.  This too is false.  The images are part of the Summary 
Chart Exhibits that were timely disclosed to defendant pursuant to 
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the Court’s order and were therefore timely disclosed to defendant.  
Defendant’s claim that this timely disclosure provided insufficient 
notice is frivolous and, quite frankly, a waste of the Court’s time – 
particularly given that the Internet link to the pictures were 
included alongside the pictures.   
Moreover, during trial, case agents with personal knowledge of 
the relevant properties will identify these images as reflecting 
houses purchased by defendants in furtherance of the charged 
conspiracies.  There is no requirement that a witness have personally 
taken a photograph being offered into evidence in order to 
authenticate the photograph so long as they have personal knowledge 
of what is depicted.  See, e.g., United States v. Vázquez-Soto, 939 
F.3d 365, 374 (1st Cir. 2019) (“A photograph’s contents, buttressed 
by indirect or circumstantial evidence, can form a sufficient basis 
for authentication even without the testimony of the photographer or 
some other person who was present at the time it was taken.”) 
(citation omitted).  In any event, defendant’s claim that the four 
photographs invalidate the admissibility of the Summary Chart 
Exhibits as a whole is also frivolous and should be rejected.3 
 
3 Defendant also argues that the Summary Chart Exhibits “rely on 
exhibits that were not included on the government’s witness [sic] 
list,” referring to the three exhibit numbers in the charts that were 
not on the government’s trial exhibit list.  Despite the government 
explaining to defendant that the references to those exhibit numbers 
were “citation errors,” not omissions (i.e., several incorrect 
exhibit numbers were inadvertently listed in the charts), defendant 
still raises this issue with the Court as a purported basis for 
precluding the admissibility of the Summary Chart Exhibits 
altogether.  (See ECF 451-9.) 
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2. 
The Materials Underlying the Summary Chart Exhibits 
Are Voluminous 
Defendant’s challenge to the voluminousness of the records 
underlying the Summary Chart Exhibits similarly is without merit.  
Defendant claims, erroneously, that the government’s recent motion to 
redact the superseding indictment at trial with respect to the 
allegation of 151 loans “limits the evidence the government must 
present at trial to evidence related to the 17 loans actually charged 
in the indictment.”  (ECF 451 at 5.)  That is not the law.   
“The rule is well established that the government in a 
conspiracy case may submit proof on the full scope of the conspiracy; 
it is not limited in its proof to the overt acts alleged in the 
indictment.”  Rizk, 660 F.3d at 1131 (collecting cases within and 
outside of Ninth Circuit).  The defendant in Rizk argued that summary 
charts reflecting 96 real estate transactions were “overbroad” where 
the “overt acts and substantive counts of the indictment identified 
only nine specific properties.”  Id. at 1129, 1129 n.1.  The court 
rejected this argument, finding that the “real estate transactions 
shown on the charts were ‘inextricably intertwined’ with the 
conspiracy charge” and the “government offered the summary charts to 
show the full scope of that conspiracy and as proof that the non-
specified transactions were not ‘other acts’ at all.”  Id. at 1132.  
See also United States v. Montgomery, 384 F.3d 1050, 1062 (9th Cir. 
2004) (summary exhibit admissible where all entries were 
“‘inextricably intertwined’ with the conspiracy, and therefore not 
subject to Rule 404(b), because each occurred within the temporal 
scope of the conspiracy and comprised the conspiracy”); United States 
v. Robinson, 774 F.2d 261, 276 (8th Cir. 1985) (“The summary properly 
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included all 105 applicants [rather than the 15 named in the 
indictment], because information regarding all of these individuals 
was relevant in delineating the enormous scope of the [loan fraud] 
scheme.”).  
The same reasoning applies here.  The redacted superseding 
indictment that will be submitted to the jury, following the Court’s 
order granting the government’s motion to redact (ECF 478), alleges 
broad conspiracies (Counts 1 and 26) among at least eight charged 
coconspirators to submit fraudulent COVID-19 disaster relief loan 
applications and launder the ill-gotten proceeds of those loans.  
(See generally ECF 422-2.)  With respect to the alleged overt acts, 
the redacted superseding indictment specifies that defendants 
“commit[ted] the following overt acts, among others,” in detailing 
examples of how the charged conspiracy was carried out.  (Id., ¶ 32.)  
Thus, the alleged overt acts do not limit the breadth of the charged 
conspiracies to 17 loans, as defendant contends.  See Rizk, 660 F.3d 
at 1129 n.1 (summary charts not overbroad where “the indictment 
alleged that the defendants committed the enumerated overt acts, 
‘among others,’ in furtherance of the conspiracy”).   
Indeed, in granting the government’s motion to redact, the Court 
found that the removal of the allegation about 151 loans being part 
of the alleged conspiracies “does not in any way change the charged 
offenses, the overt acts and objects of the conspiracy, or any of the 
allegations in the indictment other than the total number of alleged 
fraudulent loans and their value.”  (ECF 478 at 22.)  Redaction of 
the superseding indictment allows the government to meet its burden 
of proof without having to prove each of the 151 fraudulent loan 
applications.  But it does not alter the relevance of the numerous 
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fraudulent loan applications beyond the 17 described in the overt 
acts – including multiple applications made on behalf of the same 
companies identified in the overt acts - to the charged conspiracies.  
Rizk, 660 F.3d at 1132; Montgomery, 384 F.3d at 1062. 
The loan file and bank account records that underlie the Summary 
Chart Exhibits pertain directly to the charged bank/wire fraud and 
money laundering conspiracies.  The Flow of Funds Summary Charts 
summarize information deriving from around 24 separate bank accounts 
and around 27 loan files.  The Loan Summary Charts pertain to 
approximately 60 separate loan files, including loan applications, 
supporting documentation, loan agreements, and other information 
considered by the lenders in connection with processing the loans.  
Presentation of this voluminous evidence at trial would be 
“unmanageable,” and use of the proposed Summary Chart Exhibits “would 
be useful to the judge and jury.”  Rizk, 660 F.3d at 1130 (underlying 
records were “standard real estate records”); see also United States 
v. Aubrey, 800 F.3d 1115, 1130 (9th Cir. 2015) (“Multiple bankers’ 
boxes of bank statements constitute the type of materials anticipated 
by Rule 1006.”). 
The Summary Chart Exhibits summarize admissible, voluminous 
records that have been properly made available to defendant for his 
review.  They are therefore admissible under Federal Rule of Evidence 
1006.          
B. 
Ms. Robinson Will Testify Appropriately as a Lay Witness 
Under Federal Rules of Evidence 602 and 701 
Defendant argues that “Ms. Robinson’s testimony should be 
excluded because it will not be based on personal knowledge, as 
required by Federal Rules of Evidence 602 and 701.”  (ECF 451 at 6.)  
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Defendant makes a number of assumptions, without any factual basis, 
about the role of Ms. Robinson and Stout in connection with the 
government’s investigation.  Among other things, defendant claims 
that Ms. Robinson “has no independent knowledge of the facts at 
issue” and “has assumed the role of an expert witness while dodging 
the rigorous standards applied to expert testimony.”  (Id. at 7.)  
Defendant is mistaken on the facts and the law. 
As a member of the Stout investigatory team, Ms. Robinson will 
be testifying in a lay capacity under Rules 602 and 701, based on her 
personal knowledge of the materials underlying the Flow of Funds 
Summary Charts and role in the investigation.  Ms. Robinson will 
provide this foundation for her personal knowledge of the underlying 
information during her direct examination.  See Fed. R. Evid. 602 
(“Evidence to prove personal knowledge may consist of the witness’s 
own testimony.”).  As explained, her testimony will be limited to 
describing the flow of funds described in the Flow of Funds Summary 
Charts (ECF 451-6), including identifying the bank and brokerage 
accounts used by defendants to receive, transfer, and spend the 
proceeds of the fraudulent PPP and EIDL loans.  (ECF 451-3.) 
Defendant recognizes that the “Ninth Circuit allows summary 
witnesses to testify when those witnesses are summarizing their 
personal knowledge gained by participating in their investigation of 
a case.”  (ECF 451 at 6-7 (citing United States v. Aubrey, 800 F.3d 
1115 (9th Cir. 2015).)  Indeed, in Aubrey, the Ninth Circuit 
concluded that a forensic auditor from the United States Department 
of Housing and Urban Development (“HUD”) serving as a summary witness 
“was not required to be certified as an expert” even though he “might 
have been eligible to be certified as an expert” and he made “two 
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passing references to the ‘last-in-first-out [accounting] method.”  
Aubrey, 800 F.3d 1129.  The HUD forensic auditor “introduced a series 
of charts reflecting the movement of funds among [defendant’s] 
business and personal accounts, following each [housing authority] 
requisition payment between July 2003 and June 2004.”  Id. at 1122.  
The Ninth Circuit held that it was not error for the district court 
to allow the HUD auditor to testify as a lay summary witness, where 
the court “properly restricted his testimony to the areas in which he 
had personal knowledge (the documents, investigation, and the methods 
he used to prepare his summary) and prevented him from providing in-
depth analysis of various accounting methods.”  Id. at 1129.  See 
also Goldberg v. United States, 789 F.2d 1341, 1343 (9th Cir. 1986) 
(affirming district court’s determination that the testimony of “an 
experienced revenue agent” as to summaries of voluminous tax records 
did not include any expert opinions or conclusions); United States v. 
Pree, 408 F.3d 855, 869 (7th Cir. 2005) (“When a summary witness 
simply testifies as to what the government's evidence shows, he does 
not testify as an expert witness.”). 
 The government expects Ms. Robinson will provide the same type 
of testimony using the Flow of Funds Summary Charts, including 
introducing and describing the “movement of funds” reflected in the 
charts.  While Ms. Robinson has worked with other Stout personnel in 
connection with its investigative role, that fact does not undermine 
her personal knowledge or ability to testify as a summary witness in 
a lay capacity.  See, e.g., Diamond Shamrock Corp. v. Lumbermens Mut. 
Cas. Co., 466 F.2d 722, 727 (7th Cir. 1972) (“It is not necessary . . 
. that every person who assisted in the preparation of the original 
records or the summaries be brought to the witness stand.”). 
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Defendant points to Ms. Robinson’s qualifications in her 
professional bio on Stout’s website, including the fact that her 
“list of license and designations includes Certified Public 
Accountant (CPA), Certified in Financial Forensics (CFF) and 
Certified Fraud Examiner (CFE).”  (ECF 451 at 2.)  But Ms. Robinson’s 
impressive qualifications do not dictate the type of testimony (lay 
or expert) she may or will provide at trial.  Rather, the content of 
her testimony does.  Here, just as law enforcement agents often do in 
connection with investigations for which they have assisted, Ms. 
Robinson will be providing summary testimony about her personal 
knowledge of the voluminous information developed as part of Stout’s 
assistance in the government’s investigation.  She is quite literally 
following the money – that simply does not require her to form an 
expert opinion; it is descriptive in nature. 
In fact, as defendant acknowledges, Ms. Robinson’s Stout bio 
reflects that she “specializes in providing expert testimony and 
litigation consulting services, including . . . conducting fraud and 
forensic accounting investigations.”  (ECF 451 at 2 (citing 
https//www.stout.com/en/professionals/marylee-robinson) (emphasis 
added).)  Her consulting services include “extensive experience 
providing fraud and forensic accounting services in white collar 
crime cases with an emphasis on matters involving the analysis of 
voluminous documents and data” as well as providing “assistance to 
the Department of Justice in a series of investigations of corporate 
executives . . .”  See https//www.stout.com/en/professionals/marylee-
robinson.  Ms. Robinson, and the Stout team, have served in this 
consulting, investigative role here, and she will testify 
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appropriately as a lay, summary witness.  Fed. R. Evid. 602, 701; 
Aubrey, 800 F.3d 1129.            
C. 
Neither Ms. Robinson’s Testimony Nor the Summary Chart 
Exhibits Should Be Precluded Under Federal Rule of Evidence 
403 
Defendant also challenges the admissibility of both Ms. Robinson 
as a testifying summary witness and the Summary Chart Exhibits under 
Rule 403.  Defendant’s arguments on both grounds are without merit. 
1. 
Ms. Robinson’s Testimony Should Not Be Precluded Under 
Rule 403 
Defendant contends that “Ms. Robinson’s professional 
qualifications and history of testifying as an expert on behalf of 
the Department of Justice will improperly influence the jury’s view 
of the evidence in the summary charts, unduly prejudicing the 
defendants.”  (ECF 451 at 8.)  Defendant further claims that allowing 
Ms. Robinson to testify “will place the imprimatur of a certified 
public accountant on contested issues at trial.”  (Id. at 9.)  
Crediting defendant’s concerns about the qualifications of Ms. 
Robinson as a driving basis to exclude her testimony as unfairly 
prejudicial would effectively disqualify numerous witnesses who 
testify on behalf of the government, including IRS and FBI agents who 
similarly have accounting credentials and testify as lay witnesses.  
In any event, defendant’s concerns are sufficiently mitigated by the 
instruction the government expects the Court will provide to the jury 
regarding the Credibility of Witnesses.  See Ninth Circuit Manual of 
Model Criminal Jury Instructions, No. 3.9.  The jury can be trusted 
to follow the Court’s instructions.  In addition, defendant will have 
a full opportunity to cross-examine Ms. Robinson regarding her 
credentials, personal knowledge, and investigative findings, as well 
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as “the witness’s interest in the outcome of the case, if any” and 
“the witness’s bias or prejudice, if any.”  Id.; see also Rizk, 660 
F.3d at 1134 (defendant had opportunity “to cross-examine the 
government witnesses who prepared” summary charts). 
Defendant also speculates as to the degree of prejudice that 
purportedly could arise out of the order in which Ms. Robinson 
testifies.  According to defendant, Ms. Robinson should neither be 
permitted to testify as an initial “overview witness” (citing law 
outside the Ninth Circuit) or at the end of the government’s case 
(citing United States v. Fullwood, 342 F.3d 409, 413 (5th Cir. 
2003)).4  (ECF 451 at 9.)  Wherever Ms. Robinson testifies within the 
government’s case-in-chief, defendant still will have the mitigating 
safeguards of the Court’s cautionary instruction to the jury and the 
ability to cross-examine Ms. Robinson fully.  In any event, the 
government does not anticipate calling Ms. Robinson among its first 
witnesses as an “overview witness” nor at the end of its case-in-
chief.   
Balanced against any minimal risk of unfair prejudice, Ms. 
Robinson’s anticipated testimony is highly probative as to the 
evidence of defendants’ guilt.  Ms. Robinson will aid the jury in its 
consideration of voluminous bank records and loan files that would be 
“unmanageable” without a summary witness or summary charts.  Rizk, 
660 F.3d at 1130.  Ms. Robinson’s testimony will be particularly 
probative as to the money laundering conspiracy charge, as she will 
testify about the flow of funds from the fraudulent loans through the 
 
4 Notably, Fullwood involved a summary witness who served as the 
government’s “final rebuttal witness,” not just a witness during its 
case-in-chief.  Fullwood, 342 F.3d at 413. 
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various bank accounts defendants controlled and the expenditures made 
with those loan proceeds.  Ms. Robinson’s testimony will provide an 
efficient vehicle, based on the underlying admissible bank records 
and loan files, for the jury’s consideration of this evidence. 
The high probative value of Ms. Robinson’s testimony thus is not 
substantially outweighed by the danger of unfair prejudice, and she 
should be permitted to testify at trial as a summary witness. 
2. 
The Summary Chart Exhibits Should Not Be Precluded 
Under Rule 403 
Defendant raises similar arguments in seeking to exclude the 
highly probative Summary Chart Exhibits under Rule 403, all of which 
should be rejected. 
First, with respect to probative value, defendant contends the 
charts “contain irrelevant information” based on the government’s 
motion to redact the superseding indictment with respect to the 
allegation about 151 loans.  (ECF 451 at 10-11.)  Defendant once 
again claims that the government’s evidence at trial should be 
arbitrarily limited to “the 17 loans included in the redacted 
superseding indictment, and the other loan applications are 
irrelevant.”  (Id. at 11.)  For the reasons previously discussed in 
section III.A.2 above, defendant’s argument is contrary to the law of 
conspiracy and the Federal Rules of Evidence, and belied by the 
factual relevance of the loan files and bank records underlying the 
Summary Chart Exhibits to the extensive fraudulent conduct charged in 
this case.  The additional loan applications reflected in the Summary 
Chart Exhibits are directly relevant to the overall charged conduct –  
and contrary to defendant’s claim that “allowing the summary witness 
to testify about 60 loans” would be “wasting both the jury’s and 
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Court’s time,” (ECF 451 at 11), it would be an even more significant 
waste of time to preclude this admissible and relevant evidence 
coming in through the Summary Chart Exhibits.5 
Second, with respect to supposed unfair prejudice, defendant 
argues that the charts are “inflammatory” because the Flow of Funds 
Summary Charts contain “inflammatory photos of homes” and 
“unflattering photos of the named defendants.”  (ECF 451 at 11.)  
There is nothing inflammatory about these photos, and, in fact, they 
are highly probative to the jury’s consideration of the charges 
against defendants.  The photos of the homes demonstrate the true and 
accurate nature of the properties purchased using the millions of 
dollars in fraudulent proceeds from defendants’ scheme, including an 
aerial shot of defendant’s sprawling, $3.25 million mansion in 
Tarzana.  (See ECF 451-6 at 8.)   
As for the photos of the defendants, the photos will be helpful 
to the jury in tracking which of the numerous defendants (who will be 
in court and visible to the jury) were responsible for each of the 
financial transactions reflected in the summary charts.  Defendant 
 
5 Defendant also claims that two pages of the summary charts 
“are misleadingly titled ‘Example Loans Applied for by Companies 
Included in First Superseding Indictment,’ which implies that each of 
the loans on those pages was charged in the indictment.”  (ECF 451 at 
10 (referring to ECF 451-7 at 4-5).)  Defendant’s contention is that 
the government is “attempting to have their cake and eat it too” 
because “most of the loans on those two pages are not mentioned in 
the indictment.”  (Id.)  There is nothing misleading about the title 
or content of these pages.  As the heading states, the multiple loan 
applications reflected in the chart were made on behalf of companies 
(or purported companies) that are identified in the superseding 
indictment even if not all of the loans are similarly identified.  
The fact that a number of these companies, at the direction of 
defendant and his coconspirators, submitted multiple COVID-19 
disaster relief loan applications in the span of just a few months’ 
time is highly probative of the fraudulent nature of the loan 
applications. 
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cites an unpublished case from the Sixth Circuit, United States v. 
George, 160 F. App’x 450 (6th Cir. 2005), for the proposition that a 
“mug shot tends to make people believe that the person is ‘bad,’ and 
therefore can be unfairly prejudicial.”  (ECF 451 at 11-12.)  But the 
photographs in the Flow of Funds Summary Charts are not “mug shots.”   
They are largely sourced from Department of Motor Vehicles 
identification photographs that have been produced to defendants in 
discovery, and do not carry the same potential prejudicial impact a 
photo of someone in jail or in an orange jumpsuit might.6   
Third, defendant also contends that the Summary Chart Exhibits 
are “argumentative” because, for example, some are “titled ‘Use of 
EIDL/PPP Funds’ and purport to show transfers of money between 
entities that received loan funds and other businesses.”  (ECF 451 at 
12.)  While defendant would prefer the government use the “underlying 
images of bank records” to illustrate the use of funds and transfers, 
the entire point of the summary exhibits is to synthesize voluminous 
records that would be unmanageable to present to the jury.  Defendant 
does not appear to take issue with the accuracy of the underlying 
information (though he could do so on cross-examination), and summary 
charts need not contain defendant’s version of events.  See United 
States v. Lemire, 720 F.2d 1327, 1349 (D.C. Cir. 1983) (“A summary, 
to be admissible, we think need not give effect to the contentions of 
the accused.” (quoting Flemister v. United States, 260 F.2d 513, 517 
(5th Cir. 1958))); Barsky v. United States, 339 F.2d 180, 181 (9th 
 
6 In any event, although the government does not believe it 
would be necessary or applicable under the circumstances, the Court 
can give a limiting instruction regarding the photographs, or a 
variation thereof, if necessary.  See Ninth Circuit Manual of Model 
Criminal Jury Instructions, No. 2.13 (“Photos of Defendant, 
Mugshots”).  
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Cir. 1964) (rejecting defendant’s contention that “summary did not 
contain [his] version of his [s]ource of the money and, therefore, it 
was incomplete”).   
Defendant further points to the Summary Chart Exhibits’ 
selection of “certain transactions to highlight devoid of any 
qualifying information.”  (ECF 451 at 12 (citing ECF 451-6 at 12).)  
But there is nothing inherently misleading about the highlighting or 
bolding of the line-items in the one page defendant identifies, or 
the information that was selected for inclusion in the charts.  See, 
e.g., Rizk, 660 F.3d at 1125 (summary charts approved by court 
included “color-coding”).  And defendant will have the full 
opportunity to cross-examine Ms. Robinson about these and other 
aspects of the Flow of Funds Summary Charts.  Id. at 1134.   
Defendant’s final argument - that the “summary charts do not 
contain straightforward presentation of facts” but instead “ultimate 
conclusions the government intends to argue to the jury” – is not 
supported by the actual content reflected in the summary charts, 
which the Court has available for its review.  (ECF 451-6, 451-7.)  
The Flow of Funds Summary Charts describe the flow of funds including 
to show how the PPP and EIDL loan proceeds were used, and the Loan 
Summary Charts list loan applications and related information that is 
no doubt relevant.  Nevertheless, the government has proposed in its 
proposed jury instructions (ECF 373), and anticipates the Court will 
provide, the Ninth Circuit’s model criminal instruction for “Charts 
and Summaries Admitted Into Evidence,” which should provide adequate 
safeguards that the jury will give the Summary Chart Exhibits “only 
such weight as [the jurors] think the underlying material deserves.”  
Ninth Circuit Manual of Model Criminal Jury Instructions, No. 4.17.   
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Defendant’s driving concern rests on his realization that the 
voluminous records and facts summarized in the charts, drawn fairly 
upon the underlying evidence obtained by the government, proves his 
guilt.  But “evidence is not unfairly prejudicial merely because it 
tends to prove a defendant’s guilt.”  United States v. Boesen, 541 
F.3d 838, 848-49 (8th Cir. 2008) (finding summary charts not unfairly 
prejudicial).  The Ninth Circuit similarly has “previously rejected 
403 challenges to the admission of summary evidence that was relevant 
and not unfairly prejudicial,” and defendant presents no compelling 
basis for a different conclusion here.  See Rizk, 660 F.3d at 1133; 
see also United States v. Montgomery, 384 F.3d 1050, 1062 (9th Cir. 
2004) (“No unfair prejudice resulted, both because the district court 
gave a limiting instruction and because defendants had notice of the 
[summary] exhibit and an opportunity to cross-examine the agent about 
her assumptions.”).7 
D. 
Defendant’s Proposed Restrictions on Ms. Robinson’s 
Testimony and the Summary Chart Exhibits Should Be Rejected 
Defendant alternatively proposes that certain limits be placed 
on Ms. Robinson’s testimony if she is permitted to testify.  The 
Court should reject defendant’s proposed limitations. 
 
7 Defendant relies several times on United States v. Leon-Reyes, 
177 F.3d 816, 820 (9th Cir. 1999), including the Ninth Circuit’s 
cautionary words that “[s]ummaries are normally prepared by an 
interested party and therefore may not be completely accurate or may 
be tainted with the preparing party’s bias.”  Id. at 820.  (See ECF 
451 at 7, 8, 11.)  However, Leon-Reyes pertained to the preparation 
of “summaries of oral testimony” from a separate, prior trial, id. at 
820 (emphasis added), a uniquely different scenario than summaries of 
financial information reflected in business records.  The court in 
Leon-Reyes nonetheless affirmed the district court’s admission of 
summary exhibits, endorsing the “numerous advantages” that summary 
exhibits provide during trial.  Id. 
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First, consistent with his erroneous arguments described above, 
defendant asserts that “Ms. Robinson’s testimony and the summary 
charts she presents should be limited to loans charged in the 
superseding indictment.”  (ECF 451 at 14.)  As previously explained, 
testimony and evidence regarding numerous fraudulent loans and 
attendant financial transactions beyond those identified in the overt 
acts are directly relevant to the charged conspiracies in this case 
and highly probative of defendant’s guilt.  (See infra section 
III.A.2.)  Defendant’s arbitrary limitation on the government’s 
evidence is neither supported in the law nor the facts of this case, 
and should be rejected. 
Second, defendant states that “limiting instructions must be 
given during Ms. Robinson’s testimony to ensure that the jury 
understands how to interpret Ms. Robinson’s testimony, and the weight 
to ascribe that testimony.”  (ECF 451 at 14.)  A limiting instruction 
at the time of Ms. Robinson’s testimony is unnecessary, as the 
government expects that the jury will be instructed on the 
credibility of witnesses as well as charts and summaries admitted 
into evidence before the jury deliberates.  See Ninth Circuit Manual 
of Model Criminal Jury Instructions, Nos. 3.9, 4.17. 
Third, defendant contends that the Summary Chart Exhibits 
“should not be admitted into evidence and should not be given to the 
jury during their deliberations.”  (ECF 451 at 14.)  Defendant cites 
a Ninth Circuit case from 1974 for the proposition that “where charts 
are used to aid witness testimony, they should not be submitted to 
the jury.”  (Id. (citing United States v. Abbas, 504 F.2d 123 (9th 
Cir. 1974).)  What defendant fails to mention, however, is that the 
charts at issue in Abbas “summariz[ed] the testimony of the 
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witnesses” and were prepared by the government as “allegedly 
demonstrative charts,” which “should not have gone to the jury for 
use during their deliberations.”  Abbas, 504 F.2d at 124, 125.  That 
factual scenario is inapposite and stands in stark contrast to the 
other more recent Ninth Circuit cases discussed herein where the 
court has approved of the use and admission of summary charts into 
evidence.  See, e.g., Rizk, 660 F.3d at 1134; United States v. 
Aubrey, 800 F.3d 1115, 1130 (9th Cir. 2015); Montgomery, 384 F.3d at 
1062.  Indeed, the Ninth Circuit recognizes the appropriateness of 
the admission of summary charts into evidence given its recommended 
model criminal jury instruction for this very evidence.  
IV. 
CONCLUSION 
For the foregoing reasons, the government respectfully requests 
that this Court deny defendant’s motion to preclude summary witness 
testimony, and permit the government to (i) call Marylee Robinson as 
a summary witness at trial, and (ii) introduce into evidence the 
Summary Chart Exhibits the government has produced to defendants. 
 
Case 2:20-cr-00579-SVW     Document 504     Filed 06/11/21     Page 28 of 28   Page ID
#:6127

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