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Home Court filings USA v. Crowther United States v. Casey David Crowther — M.D. Fla., No. 2:20-cr-114-JES-MRM Proposed Jury Instructions by Casey David Crowther — USA v. Crowther (Dkt. 93, M.D. Fla. No. 2:20-mj-01094, docketed in No. 2:20-cr-00114)

Court filing

Proposed Jury Instructions by Casey David Crowther — USA v. Crowther (Dkt. 93, M.D. Fla. No. 2:20-mj-01094, docketed in No. 2:20-cr-00114)

Filed March 15, 2021 in USA v. Crowther; one of 318 filings from this case.

Record facts

CourtU.S. District Court for the Middle District of Florida
Filed2021-03-15

U.S. District Court for the Middle District of Florida · No. 2:20-cr-00114 · Doc. 93 · 2021-03-15 · Docket on CourtListener

Full text

UNITED STATES DISTRICT COURT 
MIDDLE DISTRICT OF FLORIDA 
FORT MYERS DIVISION 
 
UNITED STATES 
 
v. 
 
 
 
 
 
Criminal No. 2:20-cr-114-FTM-66MRM 
 
CASEY DAVID CROWTHER  
 
 
 
Defendant. 
_____________________________/ 
 
 
Defendant Crowther’s Proposed Jury Instructions 
 
Table of Contents 
 
PRELIMINARY INSTRUCTIONS 
 
P1  
Criminal Cases 
P2  
Anonymous Jury  
BASIC INSTRUCTIONS 
B1 
Face Page - Introduction 
B2.2  Presumption of Innocence when a Defendant does not testify 
B3  
Reasonable Doubt 
B4 
Consideration of Direct and Circumstantial Evidence; Argument of Counsel; 
Comments by the Court 
B5 
Credibility of Witnesses 
B6 
Impeachment of Witnesses Because of Inconsistent Statements 
B7 
Expert Witnesses 
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B8 
Introduction to Offense Instruction 
B9.2 On or About a Particular Date; Knowingly 
B10.2 Caution: Punishment (Single Defendant, Multiple Counts) 
B11 Duty to Deliberate 
B12 Verdict 
SPECIAL INSTRUCTIONS 
S4.1 Similar Acts Evidence (Rule 404(b), Fed. R. Evid.) 
S5 
Note Taking 
S17 Good-Faith Defense 
 
Ambiguity 
 
Interim Final Rules 
OFFENSE INSTRUCTIONS 
052 
Bank Fraud 18 U.S.C. §1344 
039 
False Statement to a Federally Insured Institution 18 U.S.C. §1014 
074.6 Money Laundering 18 U.S.C. §1957 
 
 
 
 
 
 
 
 
 
 
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P1 
Preliminary Instructions – Criminal Cases 
 
Members of the Jury:  
 
Now that you have been sworn, I need to explain some basic principles about 
a criminal trial and your duty as jurors. These are preliminary instructions. At the 
end of the trial I will give you more detailed instructions.  
Duty of jury:  
It will be your duty to decide what happened so you can determine whether  
the defendant is guilty or not guilty of the crime charged in the indictment. At the  
end of the trial, I will explain the law that you must follow to reach your verdict.  
You must follow the law as I explain it to you even if you do not agree with the  
law.  
What is evidence:  
You must decide the case solely on the evidence presented here in the 
courtroom. Evidence can come in many forms. It can be testimony about what 
someone saw or heard or smelled. It can be an exhibit admitted into evidence. It can 
be someone’s opinion. Some evidence proves a fact indirectly, such as a witness 
who saw wet grass outside and people walking into the courthouse carrying wet 
umbrellas. indirect evidence, sometimes called circumstantial evidence, is simply a 
chain of circumstances that proves a fact. As far as the law is concerned, it makes 
no difference whether evidence is direct or indirect. You may choose to believe or 
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disbelieve either kind and should give every piece of evidence whatever weight you 
think it deserves. 
What is not evidence:  
Certain things are not evidence and must not be considered. I will list them 
for you now:  
• Statements and arguments of the lawyers. In their opening statements and 
closing arguments, the lawyers will discuss the case, but their remarks are not 
evidence;  
• Questions and objections of the lawyers. The lawyers’ questions are not 
evidence. Only the witnesses’ answers are evidence. You should not think that 
something is true just because a lawyer’s question suggests that it is. For 
instance, if a lawyer asks a witness, “you saw the defendant hit his sister, 
didn’t you?” – that question is no evidence whatsoever of what the witness 
saw or what the defendant did, unless the witness agrees with it. There are 
rules of evidence that control what can be received into evidence.  
 
When a lawyer asks a question or offers an exhibit and a lawyer on the other 
side thinks that it is not permitted by the rules of evidence, that lawyer may object. 
If I overrule the objection, then the question may be answered or the exhibit received.  
If I sustain the objection, then the question cannot be answered, and the exhibit 
cannot be received. Whenever I sustain an objection to a question, you must ignore  
the question and not try to guess what the answer would have been.  
Sometimes I may order that evidence be stricken and that you disregard or 
ignore the evidence. That means that when you are deciding the case, you must not  
consider that evidence. 
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Some evidence is admitted only for a limited purpose. When I instruct you 
that an item of evidence has been admitted for a limited purpose, you must consider 
it only for that limited purpose and no other.  
Credibility of witnesses:  
In reaching your verdict, you may have to decide what testimony to believe  
and what testimony not to believe. You may believe everything a witness says, or  
part of it, or none of it. In considering the testimony of any witness, you may take  
into account:  
• The opportunity and ability of the witness to see or hear or know the things 
testified to;  
• The witness’s memory; 
 • The witness’s manner while testifying;  
• The witness’s interest in the outcome of the case and any bias or prejudice; 
• Whether other evidence contradicted the witness’s testimony;  
• The reasonableness of the witness’s testimony in light of all the evidence; 
and 
 • Any other factors that bear on believability.  
I will give you additional guidelines for determining credibility of witnesses 
at the end of the case.  
 
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Rules for criminal cases:  
As you know, this is a criminal case. There are three basic rules about a 
criminal case that you must keep in mind. 
 
First, the defendant is presumed innocent until proven guilty. The indictment  
against the defendant brought by the government is only an accusation, nothing 
more. It is not proof of guilt or anything else. The defendant therefore starts out with 
a clean slate.  
Second, the burden of proof is on the government until the very end of the 
case. The defendant has no burden to prove his innocence or to present any evidence, 
or to testify. Since the defendant has the right to remain silent and may choose 
whether to testify, you cannot legally put any weight on a defendant’s choice not to 
testify. It is not evidence.  
Third, the government must prove the defendant’s guilt beyond a reasonable  
doubt. I will give you further instructions on this point later, but bear in mind that  
the level of proof required is high.  
Conduct of the jury:  
Our law requires jurors to follow certain instructions regarding their personal 
conduct in order to help assure a just and fair trial. I will now give you those 
instructions:  
1. Do not talk, either among yourselves or with anyone else, about anything 
related to the case. You may tell the people with whom you live and your 
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employer that you are a juror and give them information about when you will 
be required to be in court, but you may not discuss with them or anyone else 
anything related to the case. 
 
2. Do not, at any time during the trial, request, accept, agree to accept, or 
discuss with any person, any type of payment or benefit in return for supplying 
any information about the trial. 
 
3. You must promptly tell me about any incident you know of involving an 
attempt by any person to improperly influence you or any member of the jury.  
 
4. Do not visit or view the premises or place where the charged crime was 
allegedly committed, or any other premises or place involved in the case. And 
you must not use Internet maps or Google Earth or any other program or 
device to search for a view of any location discussed in the testimony.  
 
5. Do not read, watch, or listen to any accounts or discussions related to the 
case which may be reported by newspapers, television, radio, the Internet, or 
any other news media.  
 
6. Do not attempt to research any fact, issue, or law related to this case, 
whether by discussions with others, by library or Internet research, or by any 
other means or source.  
 
In this age of instant electronic communication and research, I want to 
emphasize that in addition to not talking face to face with anyone about the case, 
you must not communicate with anyone about the case by any other means, 
including by telephone, text messages, email, Internet chat, chat rooms, blogs, or 
social-networking websites and apps such as Facebook, Instagram, Snapchat, 
YouTube, or Twitter.  You may not use any similar technology of social media, even 
if I have not specifically mentioned it here.   
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You must not provide any information about the case to anyone by any means 
whatsoever, and that includes posting information about the case, or what you are 
doing in the case, on any device or Internet site, including blogs, chat rooms, social 
websites, or any other means.  
You also must not use Google or otherwise search for any information about  
the case, or the law that applies to the case, or the people involved in the case, 
including the defendant, the witnesses, the lawyers, or the judge.  
It is important that you understand why these rules exist and why they are so 
important:  
Our law does not permit jurors to talk with anyone else about the case, or to 
permit anyone to talk to them about the case, because only jurors are authorized to 
render a verdict. Only you have been found to be fair and only you have promised 
to be fair – no one else is so qualified.  
Our law also does not permit jurors to talk among themselves about the case 
until the court tells them to begin deliberations, because premature discussions can 
lead to a premature final decision.  
Our law also does not permit you to visit a place discussed in the testimony. 
First, you can’t be sure that the place is in the same condition as it was on the day in 
question. Second, even if it were in the same condition, once you go to a place 
discussed in the testimony to evaluate the evidence in light of what you see, you 
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become a witness, not a juror. As a witness, you may now have a mistaken view of 
the scene that neither party may have a chance to correct. That is not fair. 
Finally, our law requires that you not read or listen to any news accounts of 
the case, and that you not attempt to research any fact, issue, or law related to the 
case. Your decision must be based solely on the testimony and other evidence 
presented in this courtroom. Also, the law often uses words and phrases in special 
ways, so it’s important that any definitions you hear come only from me, and not 
from any other source. It wouldn’t be fair to the parties for you to base your decision 
on some reporter’s view or opinion, or upon other information you acquire outside 
the courtroom.  
These rules are designed to help guarantee a fair trial, and our law accordingly 
sets forth serious consequences if the rules are not followed. I trust that you 
understand and appreciate the importance of following these rules, and in accord 
with your oath and promise, I know you will do so.  
Taking notes:  
Moving on now, if you wish, you may take notes to help you remember what 
witnesses said. If you do take notes, please keep them to yourself until you and your 
fellow jurors go to the jury room to decide the case. Do not let note taking distract 
you so that you do not hear other answers by witnesses. When you leave the 
courtroom, your notes should be left in the jury room. Whether or not you take notes, 
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you should rely on your own memory of what was said. Notes are to assist your 
memory only. They are not entitled to any greater weight than your memory or 
impression about the testimony. 
Course of the trial:  
The trial will now begin. First, the government will make an opening 
statement, which is simply an outline to help you understand the evidence as it comes 
in. Next, the defendant’s attorney may, but does not have to, make an opening 
statement. Opening statements are neither evidence nor argument. The government 
will then present its witnesses, and counsel for the defendant may cross-examine 
them. Following the government’s case, the defendant may, if he wishes, present 
witnesses whom the government may cross-examine.  
After all the evidence is in, the attorneys will present their closing arguments 
to summarize and interpret the evidence for you, and I will instruct you on the law. 
After that, you will go to the jury room to decide your verdict. 
 
 
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P2 
Preliminary and Explanatory Instructions 
to Innominate (Anonymous) Jury 
 
Before selecting jury members, I’ll tell you about something that affects how 
a jury is selected and how a trial is conducted.  
Sometimes criminal trials attract the attention of the media and the public. The 
level of interest is unpredictable and not within my control. This case may attract an 
unusual amount of attention, so there may be curiosity about the participants – the 
lawyers, witnesses, defendants, judge, and perhaps even the jurors.  
People may ask questions to learn more about the case. Even though these 
questions may be well-intentioned, they may still distract you from your duties as a 
juror. These questions can be awkward or inconvenient for you, your family, and 
your friends. They can be part of unwanted and improper approaches toward you 
from outside the courtroom.  
During your service as a juror, you must not discuss this case with anyone. 
And even after the case is finished, you will never be required to explain your verdict 
or jury service to anyone.  
Your names and personal information will be known only to court personnel 
and will not be disclosed. 
To discourage unwanted publicity, telephone calls, letters, and questions,  
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you will be referred to only by your juror number.  
ANNOTATIONS AND COMMENTS  
The term “innominate” jury (in preference to anonymous jury) is taken from United 
States v. Ippolito, 10 F. Supp. 1305, 1307 n.1 (M.D. Fla. 1998), as approved in 
United States v. Carpa, 271 F.3d 962 (11th Cir. 2001) (reversing in part on other 
grounds).  
  
The selection of an innominate jury is a “drastic measure” but is an approved 
technique in this Circuit when circumstances warrant. United States v. Ross, 33 F.3d 
1507, 14191522 (11th Cir. 1994). See also, United States v. Salvatore, 110 F.3d 
1131, 1143-1144 (5th Cir. 1997).    
 
 
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B1 Face Page – Introduction 
 
UNITED STATES DISTRICT COURT 
MIDDLE DISTRICT OF FLORIDA 
FORT MYERS DIVISION 
 
UNITED STATES 
 
v. 
 
 
 
 
 
Criminal No. 2:20-cr-114-FTM-66MRM 
 
CASEY DAVID CROWTHER 
 
 
 
 
Defendant. 
_____________________________/ 
 
COURT’S INSTRUCTIONS TO THE JURY 
  
Members of the Jury:  
It’s my duty to instruct you on the rules of law that you must use in deciding 
this case. After I’ve completed these instructions, you will go to the jury room and 
begin your discussions – what we call your deliberations.  
You must decide whether the Government has proved the specific facts 
necessary to find the Defendant guilty beyond a reasonable doubt.  
 
ANNOTATIONS AND COMMENTS  
 
No annotations associated with this instruction. 
 
 
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B2.2 
The Duty to Follow Instructions and the Presumption Of Innocence 
When a Defendant Does Not Testify 
 
Your decision must be based only on the evidence presented during the trial. 
You must not be influenced in any way by either sympathy for or prejudice against  
the Defendant or the Government.  
You must follow the law as I explain it – even if you do not agree with the 
law – and you must follow all of my instructions as a whole. You must not single 
out or disregard any of the Court's instructions on the law.  
The indictment or formal charge against a Defendant isn’t evidence of guilt. 
The law presumes every Defendant is innocent. The Defendant does not have to 
prove his innocence or produce any evidence at all. A Defendant does not have to 
testify, and if the Defendant chose not to testify, you cannot consider that in any way 
while making your decision. The Government must prove guilt beyond a reasonable 
doubt. If it fails to do so, you must find the Defendant not guilty.  
ANNOTATIONS AND COMMENTS  
  
United States v. Teague, 953 F.2d 1525, 1539 (11th Cir. 1992), cert. denied, 506 
U.S. 842, 113 S. Ct. 127, 121 L. Ed. 2d 82 (1992), Defendant who does not testify 
is entitled to instruction that no inference may be drawn from that election; see also 
United States v. Veltman, 6 F.3d 1483, 1493 (11th Cir. 1993) (Court was “troubled” 
by “absence of instruction on the presumption of innocence at the beginning of the 
trial… Although the court charged the jury on the presumption before they retired 
to deliberate, we believe it extraordinary for a trial to progress to that stage with nary 
a mention of this jurisprudential bedrock.”) 
 
 
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B3  
Definition of “Reasonable Doubt” 
  
The Government's burden of proof is heavy, but it doesn’t have to prove a 
Defendant's guilt beyond all possible doubt. The Government's proof only has to 
exclude any “reasonable doubt” concerning the Defendant's guilt. 
 A “reasonable doubt” is a real doubt, based on your reason and common sense 
after you’ve carefully and impartially considered all the evidence in the case.  
“Proof beyond a reasonable doubt” is proof so convincing that you would be 
willing to rely and act on it without hesitation in the most important of your own 
affairs. If you are convinced that the Defendant has been proved guilty beyond a 
reasonable doubt, say so. If you are not convinced, say so.  
 
ANNOTATIONS AND COMMENTS  
  
United States v. Daniels, 986 F.2d 451 (11th Cir. 1993), opinion readopted on 
rehearing, 5 F.3d 495 (11th Cir. 1993), cert. denied, 511 U.S. 1054, 114 S. Ct. 1615, 
128 L. Ed. 2d 342 (1994) approves this definition and instruction concerning 
reasonable doubt; see also United States v. Morris, 647 F.2d 568 (5th Cir. 1981); 
Victor v. Nebraska, 511 U.S. 1, 114 S. Ct. 1239, 127 L. Ed. 2d 583 (1994) 
(discussing “reasonable doubt” definition and instruction). 
 
 
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B4 
Consideration of Direct and Circumstantial Evidence; 
Argument of Counsel; Comments by the Court 
  
As I said before, you must consider only the evidence that I have admitted in 
the case. Evidence includes the testimony of witnesses and the exhibits admitted. 
But, anything the lawyers say is not evidence and isn’t binding on you.  
You shouldn’t assume from anything I’ve said that I have any opinion about 
any factual issue in this case. 
 Except for my instructions to you on the law, you should disregard anything 
I may have said during the trial in arriving at your own decision about the facts. 
 Your own recollection and interpretation of the evidence is what matters.  
In considering the evidence you may use reasoning and common sense to 
make deductions and reach conclusions. You shouldn’t be concerned about whether 
the evidence is direct or circumstantial.  
“Direct evidence” is the testimony of a person who asserts that he or she has 
actual knowledge of a fact, such as an eyewitness.  
“Circumstantial evidence” is proof of a chain of facts and circumstances that 
tend to prove or disprove a fact. There’s no legal difference in the weight you may  
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give to either direct or circumstantial evidence.  
ANNOTATIONS AND COMMENTS  
  
United States v. Clark, 506 F.2d 416 (5th Cir. 1975), cert. denied, 421 U.S. 967, 95 
S. Ct. 1957, 44 L. Ed. 2d 454 (1975) approves the substance of this instruction 
concerning the lack of distinction between direct and circumstantial evidence; see 
also United States v. Barnette, 800 F.2d 1558, 1566 (11th Cir. 1986), reh’g denied, 
807 F.2d 999 (11th Cir. 1986), cert. denied, 480 U.S. 935, 107 S. Ct. 1578, 94 L. Ed. 
2d 769 (1987) (noting that the “test for evaluating circumstantial evidence is the 
same as in evaluating direct evidence”) (citing United States v. Henderson, 693 F.2d 
1028, 1030 (11th Cir. 1982)).  
  
United States v. Hope, 714 F.2d 1084, 1087 (11th Cir. 1983) (“A trial judge may 
comment upon the evidence as long as he instructs the jury that it is the sole judge 
of the facts and that it is not bound by his comments and as long as the comments 
are not so highly prejudicial that an instruction to that effect cannot cure the error.”) 
(citing United States v. Buchanan, 585 F.2d 100, 102 (5th Cir. 1978)). See also 
United States v. Jenkins, 901 F.2d 1075 (11th Cir. 1990).  
  
United States v. Granville, 716 F.2d 819, 822 (11th Cir. 1983) notes that the jury 
was correctly instructed that the arguments of counsel should not be considered as 
evidence (citing United States v. Phillips, 664 F.2d 971, 1031 (5th Cir. 1981)); see 
also United States v. Siegel, 587 F.2d 721, 727 (5th Cir. 1979).  
  
For an alternative description of evidence, see Preliminary Instruction, “what is 
evidence.” 
 
 
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B5 
Credibility of Witnesses 
 
When I say you must consider all the evidence, I don’t mean that you must 
accept all the evidence as true or accurate. You should decide whether you believe 
what each witness had to say, and how important that testimony was. In making that 
decision you may believe or disbelieve any witness, in whole or in part. The number 
of witnesses testifying concerning a particular point doesn’t necessarily matter.  
To decide whether you believe any witness I suggest that you ask yourself a 
few questions:  
• Did the witness impress you as one who was telling the truth?  
  
• Did the witness have any particular reason not to tell the truth?  
  
• Did the witness have a personal interest in the outcome of the case?  
  
• Did the witness seem to have a good memory?  
  
• Did the witness have the opportunity and ability to accurately observe the 
things he or she testified about?  
  
• Did the witness appear to understand the questions clearly and answer them 
directly?  
  
• Did the witness's testimony differ from other testimony or other evidence?  
 
ANNOTATIONS AND COMMENTS  
  
No annotations associated with this instruction. 
 
 
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B6.1 
Impeachment of Witnesses Because of Inconsistent Statements 
 
You should also ask yourself whether there was evidence that a witness 
testified falsely about an important fact. And ask whether there was evidence that at 
some other time a witness said or did something, or didn’t say or do something, that 
was different from the testimony the witness gave during this trial.  
But keep in mind that a simple mistake doesn’t mean a witness wasn’t telling 
the truth as he or she remembers it. People naturally tend to forget some things or 
remember them inaccurately. So, if a witness misstated something, you must decide 
whether it was because of an innocent lapse in memory or an intentional deception. 
The significance of your decision may depend on whether the misstatement is about 
an important fact or about an unimportant detail.  
 
ANNOTATIONS AND COMMENTS  
  
See United States v. D’Antignac, 628 F.2d 428, 435-36 n.10 (5th Cir. 1980), cert. 
denied, 450 U.S. 967, 101 S. Ct. 1485, 67 L. Ed. 2d 617 (1981) (approving a 
previous version of this instruction used in conjunction with Basic Instruction 5 
and Special Instruction 2.1 as befitted the facts of that case). See also United States 
v. McDonald, 620 F.2d 559, 565 (5th Cir. 1980), and United States v. Soloman, 
856 F.2d 1572, 1578 (11th Cir. 1988), reh’g denied, 863 F.2d 890 (1988), cert. 
denied, 489 U.S. 1070, 109 S. Ct. 1352, 103 L. Ed. 2d 820 (1989). 
 
 
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B7 
Expert Witness 
 
When scientific, technical or other specialized knowledge might be helpful, a 
person who has special training or experience in that field is allowed to state an 
opinion about the matter.  
But that doesn’t mean you must accept the witness’s opinion. As with any 
other witness’s testimony, you must decide for yourself whether to rely upon the 
opinion.  
ANNOTATIONS AND COMMENTS  
  
United States v. Johnson, 575 F.2d 1347, 1361 (5th Cir. 1978), cert. denied, 440 U.S. 
907, 99 S. Ct. 1214, 59 L. Ed. 2d 454 (1979).    
 
 
 
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B8 
Introduction to Offense Instructions 
 
The indictment charges six separate crimes, called “counts,” against the 
Defendant. Each count has a number. You’ll be given a copy of the indictment to 
refer to during your deliberations.  
 
Counts One and Count Five charge that the Defendant knowingly executed a 
scheme and artifice to defraud a financial institution in violation of 18 U.S.C. §1344. 
Counts Two and Six charge that the Defendant knowingly made a false 
statement, for the purpose of influencing the actions of the Lender, an institution the 
accounts of which are insured by the FDIC in violation of 18 U.S.C. §1014.  
Counts Three and Four charge that the Defendant knowingly engaged and 
attempted to engage in a monetary transaction, in and affecting interstate and foreign 
commerce, in criminally derived property of a value of greater than $10,000, such 
property having been derived from specified unlawful activity, bank fraud, in 
violation of 18 U.S.C. §§1957 and 2.  
  
ANNOTATIONS AND COMMENTS  
  
No annotations associated with this instruction 
 
 
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B9.2 
On or About a Particular Date; Knowingly 
 
You’ll see that the indictment charges that a crime was committed “on or 
about” a certain date. The Government doesn’t have to prove that the offense 
occurred on an exact date. The Government only has to prove beyond a reasonable 
doubt that the crime was committed on a date reasonably close to the date alleged. 
 The word “knowingly” means that an act was done voluntarily and 
intentionally and not because of a mistake or by accident.  
ANNOTATIONS AND COMMENTS   
United States v. Creamer, 721 F.2d 342, 343 (11th Cir. 1983), “on or about” 
language upheld in case in which alibi defense was used by the defendant; the court 
“rejected the contention that time becomes a material element of a criminal offense 
merely because the defense of alibi is advanced.” See also United States v. Reed, 
887 F.2d 1398 (11th Cir. 1989), reh’g denied, 891 F.2d 907 (1989), cert. denied, 493 
U.S. 1080, 110 S. Ct. 1136, 107 L. Ed. 2d 1041 (1990). 
 
 
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B10.2 
Caution: Punishment (Single Defendant, Multiple Counts) 
 
Each count of the indictment charges a separate crime. You must consider 
each crime and the evidence relating to it separately. If you find the Defendant guilty 
or not guilty of one crime, that must not affect your verdict for any other crime. 
 I caution you that the Defendant is on trial only for the specific crimes 
charged in the indictment. You’re here to determine from the evidence in this case 
whether the Defendant is guilty or not guilty of those specific crimes. You must 
never consider punishment in any way to decide whether the Defendant is guilty. If 
you find the Defendant guilty, the punishment is for the Judge alone to decide later.  
 
ANNOTATIONS AND COMMENTS  
  
There may be cases in which the last sentence of the first paragraph of this instruction 
is inappropriate and should be deleted. This may occur, for example, in prosecutions 
under 18 U.S.C. § 1962 (RICO offenses) or 21 U.S.C. § 848 (Continuing Criminal 
Enterprise offenses) where the indictment is structured so that a conviction of one 
count or counts (sometimes called “predicate offenses”) is necessary to a conviction 
of another count or counts. 
 
 
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B11 
Duty to Deliberate 
 
Your verdict, whether guilty or not guilty, must be unanimous – in other 
words, you must all agree. Your deliberations are secret, and you’ll never have to 
explain your verdict to anyone.  
Each of you must decide the case for yourself, but only after fully considering 
the evidence with the other jurors. So you must discuss the case with one another 
and try to reach an agreement. While you’re discussing the case, don’t hesitate to 
reexamine your own opinion and change your mind if you become convinced that 
you were wrong. But don’t give up your honest beliefs just because others think 
differently or because you simply want to get the case over with.  
Remember that, in a very real way, you’re judges – judges of the facts. Your 
only interest is to seek the truth from the evidence in the case.  
 
ANNOTATIONS AND COMMENTS  
  
See United States v. Brokemond, 959 F.2d 206, 209 (11th Cir. 1992). See also 
United States v. Cook, 586 F.2d 572 (5th Cir. 1978), reh’g denied, 589 F.2d 1114 
(1979), cert. denied, 442 U.S. 909, 99 S. Ct. 2821, 61 L. Ed. 2d 274 (1979); United 
States v. Dunbar, 590 F.2d 1340 (5th Cir. 1979). 
 
 
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B12 
Verdict 
 
When you get to the jury room, choose one of your members to act as 
foreperson. The foreperson will direct your deliberations and will speak for you in 
court.  
A verdict form has been prepared for your convenience.  
[Explain verdict] 
Take the verdict form with you to the jury room. When you’ve all agreed on 
the verdict, your foreperson must fill in the form, sign it, date it, and carry it. Then 
you’ll return it to the courtroom. If you wish to communicate with me at any time, 
please write down your message or question and give it to the marshal. The marshal 
will bring it to me and I’ll respond as promptly as possible – either in writing or by 
talking to you in the courtroom. But I caution you not to tell me how many jurors 
have voted one way or the other at that time.  
ANNOTATIONS AND COMMENTS  
  
United States v. Norton, 867 F.2d 1354, 1365-66 (11th Cir. 1989), cert. denied, 491 
U.S. 907, 109 S. Ct. 3192, 105 L. Ed. 2d 701 (1989) and 493 U.S. 871, 110 S. Ct. 
200, 107 L. Ed. 2d 154 (1989) notes that the Court should not inquire about, or 
disclose, numerical division of the jury during deliberations but states that 
“[r]eversal may not be necessary even where the trial judge undertakes the inquiry 
and thereafter follows it with an Allen charge, absent a showing that either incident 
or a combination of the two was inherently coercive.” See United States v. 
Brokemond, 959 F.2d 206, 209 (11th Cir. 1992). See also United States v. Cook, 
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586 F.2d 572 (5th Cir. 1978), reh’g denied, 589 F.2d 1114 (1979), cert. denied, 442 
U.S. 909, 99 S. Ct. 2821, 61 L. Ed. 2d 274 (1979). 
 
 
 
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S4.1 
Similar Acts Evidence (Rule 404(b), Fed. R. Evid.) 
 
During the trial, you heard evidence of acts allegedly done by the Defendant 
on other occasions that may be similar to acts with which the Defendant is currently 
charged.  You must not consider any of this evidence to decide whether the defendant 
engaged in the activity alleged in the indictment.  This evidence is admitted and may 
be considered by you for the limited purpose of assisting you in determining whether 
[the Defendant had the state of mind or intent necessary to commit the crime charged 
in the indictment] [the Defendant acted according to a plan or in preparation to 
commit a crime]. 
 
ANNOTATIONS AND COMMENTS  
  
Rule 404. [Fed. R. Evid.]  Character Evidence; Crimes or Other Acts  
  
*  *  *  *  *  
(b) Crimes, Wrongs, or Other Acts.  
(1) Prohibited Uses. Evidence of a crime, wrong, or other act is not admissible to 
prove a person’s character in order to show that on a particular occasion the person 
acted in accordance with the character.  
 
(2) Permitted Uses; Notice in a Criminal Case. This evidence may be admissible for 
another purpose, such as proving motive, opportunity, intent, preparation, plan, 
knowledge, identity, absence of mistake, or lack of accident. On request by a 
defendant in a criminal case, the prosecutor must:  
 
(A) provide reasonable notice of the general nature of any such evidence that 
the prosecutor intends to offer at trial; and  
 
(B) do so before trial — or during trial if the court, for good cause, excuses 
lack of pretrial notice.  
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United States v. Beechum, 582 F.2d 898 (5th Cir. 1978) (en banc), cert. denied, 440 
U.S. 920 (1979), discusses at length the tests to be applied in admitting or excluding 
evidence under Rule 404(b); and, more specifically, the different standards that 
apply depending upon the purpose of the evidence, i.e., to show intent versus 
identity, for example.  See id. at 911 n.15.  
 
Both the Supreme Court and the Eleventh Circuit have expressly endorsed the 
Beechum test. Huddleston v. United States, 485 U.S. 681 (1988); United States v. 
Miller, 959 F.2d 1535 (11th Cir. 1992) (en banc), cert. denied, 506 U.S. 942 (1992). 
 
 
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S5 
Note-taking 
  
You’ve been permitted to take notes during the trial. Most of you – perhaps 
all of you – have taken advantage of that opportunity.  
You must use your notes only as a memory aid during deliberations. You must 
not give your notes priority over your independent recollection of the evidence. And 
you must not allow yourself to be unduly influenced by the notes of other jurors.  
I emphasize that notes are not entitled to any greater weight than your 
memories or impressions about the testimony.  
 
ANNOTATIONS AND COMMENTS  
  
No annotations associated with this instruction.    
 
 
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S17 
Good-Faith Defense 
 
“Good faith” is a complete defense to a charge that requires intent to defraud.  
A defendant isn’t required to prove good faith. The Government must prove intent 
to defraud beyond a reasonable doubt.  
An honestly held opinion or an honestly formed belief cannot be fraudulent 
intent – even if the opinion or belief is mistaken. Similarly, evidence of a mistake in 
judgment, an error in management, or carelessness can’t establish fraudulent intent.  
But an honest belief that a business venture would ultimately succeed doesn’t 
constitute good faith if the Defendant intended to deceive others by making 
representations the Defendant knew to be false or fraudulent.  
 
ANNOTATIONS AND COMMENTS  
  
United States v. Goss, 650 F.2d 1336 (5th Cir. 1981), failure to give this instruction 
as a theory-of-defense charge, when requested to do so, is error if there is any 
evidentiary foundation to support the Defendant’s claim. Note, however, that there 
must be some evidentiary basis for the request. If the usual instructions are given 
defining willfulness and intent to defraud, that will ordinarily suffice in the absence 
of evidence of good faith. United States v. Boswell, 565 F.2d 1338 (5th Cir. 1978), 
reh’g denied, 568 F.2d 1367 (11th Cir. 1978), cert. denied, 439 U.S. 819, 99 S. Ct. 
81, 58 L. Ed. 2d 110 (1978); United States v. England, 480 F.2d 1266 (5th Cir. 1973), 
cert. denied, 414 U.S. 1041, 94 S. Ct. 543, 38 L. Ed. 2d 332 (1973); United States v. 
Williams, 728 F.2d 1402 (11th Cir. 1984). 
 
 
 
 
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Ambiguity 
 
To prove that any statement was false, the government must prove beyond a 
reasonable doubt that the statement was not true under any reasonable interpretation 
of the loan documents provided by the Lender and the Interim Final Rules pursuant 
to the Paycheck Protection Program. 
ANNOTATIONS AND COMMENTS 
United States v. Harra, No. 19-1105 (3d Cir. 2021), Third Circuit vacates 
convictions based on a bank's reporting of "past due" loans; to prove falsity beyond 
a reasonable doubt in this situation, the government must prove either that its 
interpretation of the reporting requirement is the only objectively reasonable 
interpretation or that the defendant’s statement was also false under the alternative, 
objectively reasonable interpretation.  
 
 
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Interim Final Rules 
During the trial you have heard the Parties and witnesses talk about Interim 
Final Rules which are regulations issued by the Small Business Administration to 
implement the Paycheck Protection Program as included in the CARES Act.  
An “Interim Final Rule” is a rule adopted by a federal agency that becomes 
effective without prior notice and public comment and that invites public comment 
after its effective date.  
ANNOTATIONS AND COMMENTS 
An Interim Final Rule has the same legal effect as a Final Rule, and is subject to 
judicial review like any other Final Rule. See e.g. Career College Ass’n v. Riley, 74 
F.3d 1265, 1268 (D.C. Cir.. 1996). “The key word in the title ‘Interim Final Rule’ . 
. . is not interim, but final. ‘Interim’ refers only to the Rule's intended duration—not 
its tentative nature.” Id.  
 
This interim final rule is being issued without advance notice and public comment 
because section 1114 of the CARES Act and section 303 of the Economic Aid Act 
authorize SBA to issue regulations to implement the Paycheck Protection Program 
without regard to notice requirements. In addition, this rule is being issued to allow 
for immediate implementation of these changes. The intent of both the CARES Act 
and the Economic Aid Act is that SBA provide relief to America’s small businesses 
expeditiously. Given the urgent need to provide borrowers with timely relief and the 
short period of time before the program ends on March 31, 2021, SBA in 
consultation with Treasury has determined that it is impractical and not in the public 
interest to provide a 30-day delayed effective date. An immediate effective date will 
allow SBA to give small businesses affected by this interim final rule the maximum 
amount of time to apply for loans and lenders the maximum amount of time to 
process applications before the program ends. 
 
 
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O52  
Bank Fraud 
18 U.S.C. § 1344 
 
It’s a Federal crime to carry out or attempt to carry out a scheme to defraud a 
financial institution, or to get money or property owned or controlled by a financial  
institution by using false pretenses, representations, or promises.  
The Defendant can be found guilty of this crime only if all the following facts 
are proved beyond a reasonable doubt:  
(1) the Defendant knowingly carried out or attempted to carry out a scheme 
to get money, assets, or other property from a financial institution by using 
false or fraudulent pretenses, representations, or promises about a material 
fact;  
(2) the false or fraudulent pretenses, representations, or promises were 
material;  
(3) the Defendant intended to defraud the financial institution; and  
(4) the financial institution was federally insured. 
 
A “scheme to defraud” includes any plan or course of action intended to 
deceive or cheat someone out of money or property by using false or fraudulent 
pretenses, representations, or promises relating to a material fact.  
A statement or representation is “false” or “fraudulent” if it is about a material 
fact that the speaker knows is untrue or makes with reckless indifference as to the 
truth and makes with intent to defraud. A statement or representation may be “false” 
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or “fraudulent” when it’s a half truth or effectively conceals a material fact and is 
made with the intent to defraud.  
A “material fact” is an important fact that a reasonable person would use to  
decide whether to do or not do something. A fact is “material” if it has the capacity  
or natural tendency to influence a person’s decision. It doesn’t matter whether the  
decision-maker actually relied on the statement or knew or should have known that  
the statement was false.  
To act with “intent to defraud” means to act knowingly and with the specific  
intent to use false or fraudulent pretenses, representations, or promises to cause loss 
or injury.  Proving intent to deceive alone, without the intent to cause loss or injury, 
is not sufficient to prove intent to defraud.  
The Government doesn’t have to prove all the details alleged in the indictment 
about the precise nature and purpose of the scheme. It also doesn’t have to prove 
that the alleged scheme actually succeeded in defrauding anyone. What must be 
proved beyond a reasonable doubt is that the Defendant knowingly attempted or 
carried out a scheme substantially similar to the one alleged in the indictment.  
 ANNOTATIONS AND COMMENTS  
 
18 U.S.C. § 1344 provides:  
 
Whoever knowingly executes, or attempts to execute, a scheme or artifice - -  
(1) to defraud a financial institution; or  
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(2) to obtain any of the moneys, funds, credits, assets, securities, or other property 
owned by, or under the custody or control of, a financial institution, by means of 
false or fraudulent pretenses, representations, or promises;  
shall be fined not more than $1,000,000 or imprisoned not more than (30) years or 
both.  
 
See 18 U.S.C. § 20 for an enumeration of the financial institutions covered by § 
1344.  
 
An additional element is required under the Apprendi doctrine when the indictment 
alleges any facts that would result in enhanced penalties under 18 U.S.C. § 2326. 
See Pattern Instruction 50.1.  
 
Proof that the financial institution is federally chartered or insured is an essential 
element of the crime, as well as necessary to establish federal jurisdiction. United 
States v. Scott, 159 F.3d 916, 921 (5th Cir. 1998). Materiality is an essential element 
of the crime of bank fraud. Neder v. United States, 527 U.S. 1, 25 (1999).  
 
There are two separate offenses possible under Section 1344: (1) defrauding a 
financial institution; or (2) obtaining money or funds from the financial institution 
by means of material false or fraudulent pretenses, representations, or promises. 
United States v. Dennis, 237 F.3d 1295, 1303 (11th Cir. 2001) (discussing elements 
of bank fraud under section 1344); United States v. Mueller, 74 F.3d 1152, 1159 
(11th Cir. 1996). In the case of defrauding a financial institution, the Government 
must establish “that the defendant (1) intentionally participated in a scheme or 
artifice to defraud another of money or property; and (2) that the victim of the 
scheme or artifice was an insured financial institution.” United States v. Goldsmith, 
109 F.3d 714, 715 (11th Cir. 1997). Under the alternative theory, the Government 
must prove “(1) that a scheme existed in order to obtain money, funds, or credit in 
the custody of the federally insured institution; (2) that the defendant participated in 
the scheme by means of false pretenses, representations or promises, which were 
material; and (3) that the defendant acted knowingly.” Id.  As the Supreme Court 
explained in Loughrin v. United States, 134 S. Ct. 2384 (2014), to prove a violation 
under Section 1344(s), the Government need not prove that the defendant intended 
to defraud a bank.  
 
The instruction makes clear that deception alone does not constitute a scheme to 
defraud; a defendant must intend to cause injury or loss.  See United States v. 
Takhalov, 827 F.3d 1307, 1315 (11th Cir. 2016), altered in part on denial of 
rehearing by United States v. Takhalov, 838 F.3d 1168 (11th Cir. 2016) (“A jury 
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cannot convict a defendant of wire fraud, then, based on misrepresentations 
amounting only to a deceit.” (internal quotation marks and citation omitted)).  
 
While materiality is an element of the bank fraud offense under Neder, see also 
United States v. Williams, 390 F.3d 1319, 1324 (11th Cir. 2004) (same), the 
Supreme Court has held (pre-Neder) that materiality is not an element of the offense 
in a prosecution under 18 U.S.C. § 1014, a similar statute which prohibits making a 
false statement to a federally insured bank or designated financial institution. United 
States v. Wells, 519 U.S. 482 (1997).  
 
 
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O39 
False Statement to a Federally Insured Institution 
18 U.S.C. § 1014 
 
It’s a Federal crime to knowingly make a false statement or report to a 
federally insured financial institution.  
The Defendant can be found guilty of this crime only if all the following  
facts are proved beyond a reasonable doubt:  
(1) the Defendant made a false statement or report;  
  
(2) the Defendant did so knowingly and with intent to influence an action of 
the institution described in the indictment regarding an application, advance, 
commitment, or loan, or a change or extension to any of those; and  
  
(3) the deposits of the institution were insured by the Federal Deposit 
Insurance Corporation.  
  
A statement or report is “false” if it is untrue when made and the person making it 
knows it is untrue.  
The heart of the crime is the attempt to influence the action of the institution by 
[knowingly] [willfully] making a false statement or report. The Government does 
not have to prove that the institution was actually influenced or misled.  
ANNOTATIONS AND COMMENTS  
  
18 U.S.C. § 1014 provides: 
 
Whoever knowingly makes any false statement or report, or willfully overvalues any 
land, property or security, for the purpose of influencing in any way the action of… 
any institution the accounts of which are insured by the Federal Deposit Insurance 
Corporation, … [or] the Resolution Trust Corporation… upon any application, 
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advance,… commitment, or loan, or any change or extension of any of the same 
[shall be guilty of an offense against the United States].  
  
Maximum Penalty: Thirty (30) years imprisonment and applicable fine.  
  
United States v. Key, 76 F.3d 350, 353 (11th Cir. 1996), a defendant need not know 
of the victim institution’s insured status to be guilty of this offense; rather, it is 
sufficient that the defendant knowingly directed conduct at a bank that the 
government proves was insured.  
  
United States v. Greene, 862 F.2d 1512, 1514 (11th Cir. 1989), section applies to 
representations made in connection with conventional loan or related transactions.  
  
United States v. Wells, 519 U.S. 482, 117 S. Ct. 921, 137 L. Ed. 2d 107 (1997), 
materiality is not an element of this offense.  
  
Section 1014 also includes “willfully overvalues” as an alternative offense. If that is 
charged, this instruction must be modified accordingly. The committee believes that 
the general definition of “willfully” in Basic Instruction 9.1A would usually apply 
to this crime. 
 
 
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O74.6 
Money Laundering 
18 U.S.C. § 1957 
 
It’s a Federal crime for anyone to engage in certain kinds of financial 
transactions commonly known as money laundering.  
The Defendant can be found guilty of this offense only if all the following are 
proved beyond a reasonable doubt;  
 
(1) the Defendant knowingly engaged or attempted to engage in a monetary 
transaction;  
  
(2) the Defendant knew the transaction involved property or funds that were 
the proceeds of some criminal activity;  
  
(3) the property had a value of more than $10,000;  
  
(4) the property was in fact proceeds of fraud on a financial institution; and  
  
(5) the transaction took place in the United States.  
  
The term “monetary transaction” means transfer of funds by, through, or to a 
financial institution in a way that affects interstate commerce.  
A “financial institution” means an insured bank of the FDIC for the bank fraud 
charges associated with the PPP and a loan or finance company for the bank fraud 
charges associated to the purchase of a residential home.   
The term “proceeds” means any property derived from or obtained or retained, 
directly or indirectly, through some form of unlawful activity, including the gross 
receipts of the activity.  
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It doesn’t matter whether the Defendant knew the precise nature of the crime 
or that the property came from committing [unlawful activity alleged in indictment]. 
But the Government must prove that the Defendant knew that the property involved 
in the monetary transaction was obtained or derived from committing some crime. 
Also it doesn’t matter whether all the property involved was derived from a crime. 
The Government only has to prove that $10,000 worth of the property was obtained 
or derived from committing a crime.  
 
ANNOTATIONS AND COMMENTS  
  
18 U.S.C. § 1957(a) and (d) provide:  
  
(a) Whoever, in any of the circumstances set forth in subsection (d), knowingly 
engages or attempts to engage in a monetary transaction in criminally derived 
property of a value greater than $10,000 and is derived from specified unlawful 
activity, shall be punished as provided in subsection (b).  
  
*  *  *  *  *  
  
(d) The circumstances referred to in subsection (a) are - -  
  
(1) that the offense under this section takes place in the United States or in the special 
maritime and territorial jurisdiction of the United States; or  
3  
  
(2) that the offense under this section takes place outside the United States and such 
special jurisdiction, but the defendant is a United States person (as defined in section 
3077 of this title, but excluding the class described in paragraph (2)(D) of such 
section).  
  
Maximum Penalty: Ten (10) years and applicable fine.  
  
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United States v. Adams, 74 F.3d 1093, 1101 (11th Cir. 1996), the Eleventh Circuit 
recommended that district courts make clear in the jury instruction that at least 
$10,000 of the property at issue must be criminally derived.  
  
In United States v. Christo, 129 F.3d 578, 580 (11th Cir. 1997), the Eleventh Circuit 
held that the predicate crime must be completed before the offense of money 
laundering can occur under section 1957.  
  
The term “proceeds” as used in both 18 U.S.C. § 1956 and § 1957 was expressly 
defined by the Fraud Enforcement and Recovery Act of 2009 (“FERA”), Pub. L. No. 
111-21, effective May 20, 2009. The FERA expanded the concept of monetary 
proceeds, for purposes of enforcing prohibitions against money laundering, to 
include gross receipts. See 18 U.S.C. § 1956(c)(9).  
  
The FERA was a direct response to United States v. Santos, 128 S. Ct. 2020 (2008). 
In Santos, a plurality of the U.S. Supreme Court held that the definition of the term 
“proceeds” in 18 U.S.C. § 1956(a)(1)(A)(i) refers to “profits” rather than “receipts” 
when applied to a prosecution arising from an illegal stand-alone gambling 
operation. Until the FERA, the definition of “proceeds” in the money laundering 
statute remained unclear.  
  
The Eleventh Circuit has construed the fragmented Santos opinion narrowly. In 
United States v. Demarest, 570 F.3d 1232 (11th Cir. 2009), a case in which the trial 
took place prior to the FERA’s enactment, the Court noted:  
  
Santos has limited precedential value… The narrow holding in [the case], at most, 
was that the gross receipts of an unlicensed gambling operation were not ‘proceeds’ 
under section 1956…  
  
Id. at 1242.  
  
See United States v. Velez, 586 F.3d 875 (11th Cir. 2009) (holding that the plain 
language of § 1957(f)(1) clearly exempts criminally derived proceeds used to secure 
legal representation to which an accused is entitled to under the Sixth Amendment). 
 
 
 
 
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Respectfully Submitted,  
/s/ Nicole H. Waid____ 
Nicole H. Waid, Esq.  
Florida Bar No. 0121720 
nicole.waid@fisherbroyles.com 
 
/s/ Brian E. Dickerson 
Brian E. Dickerson, Esq. 
Fla. Bar No. 106615 
brian.dickerson@fisherbroyles.com 
 
 
 
 
 
 
 
 
FISHERBROYLES, LLP  
                                
 
 
 
2390 Tamiami Trail North, Suite 100  
                                
 
 
 
Naples, Florida 34103  
                                
 
 
 
Phone: (202) 906-9572  
                                
 
 
 
Fax: (239) 236-1360  
                               
 
 
 
CERTIFICATE OF SERVICE 
 
I, Nicole H. Waid, attorney for Casey David Crowther, do hereby certify that I 
have, this day, filed the foregoing with the Clerk of Court via the CM/ECF system, 
which has caused a true and correct copy to be served on all counsel of record.  
/s/ Nicole H. Waid____ 
Nicole H. Waid, Esq.  
 
Case 2:20-cr-00114-JES-M_M     Document 93     Filed 03/15/21     Page 42 of 42 PageID 486

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