Court filing
Judgment — United States v. Tracy D. Wade (Dkt. 268, S.D. Fla. No. 0:23-cr-60173)
Filed May 15, 2025 in United States v. Tracy D. Wade; one of 133 filings from this case.
Record facts
| Court | U.S. District Court for the Southern District of Florida |
|---|---|
| Filed | 2025-05-15 |
U.S. District Court for the Southern District of Florida · No. 0:23-cr-60173-KMW · Doc. 268 · 2025-05-15 · Docket on CourtListener
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Lance W. Steinbeisser - Federal Certified Realtime Reporter
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UNITED STATES DISTRICT COURT
SOUTHERN DISTRICT OF FLORIDA
CASE NO. 23-CR-60173-KMW
UNITED STATES OF AMERICA,
Miami, Florida
Plaintiff,
October 21, 2024
vs.
9:35 AM - 4:32 PM
CAROLYN DENISE WADE and
TRACY D. WADE,
DAY 7
Defendants.
Pages 1 to 231
____________________________________________________________
TRANSCRIPT OF JURY TRIAL
HELD BEFORE THE HONORABLE DONALD L. GRAHAM
UNITED STATES DISTRICT JUDGE
FOR THE GOVERNMENT:
DAVID A. SNIDER, AUSA
ADAM LOVE, AUSA
United States Attorney's Office
ON BEHALF OF THE DEFENDANTS:
JOHNNY L MCCRAY, JR., ESQ.
Law Office of Johnny L. McCray, Jr, P.A.
and
DARYL E. WILCOX, ESQ.
ALSO PRESENT: Carolyn Wade
Tracy Wade
Hendrith V.A. Smith, paralegal
LANCE W. STEINBEISSER, FCRR, RPR, FPR-C
Official Court Reporter
United States District Court
400 North Miami Avenue
Miami, Florida 33128
305.523.5633
Proceedings recorded by mechanical stenography; transcript
produced by computer-aided transcription.
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T A B L E O F C O N T E N T S
PAGE
DEFENSE WITNESSES:
TRACY D. WADE
Continued Direct Examination by Mr. McCray........
16
CLEMENTE PEREZ
Direct Examination by Mr. McCray..................
64
Cross-Examination by Mr. Snider...................
72
Redirect Examination by Mr. McCray................
87
EDISON ROGERS
Direct Examination by Mr. McCray..................
92
Cross-Examination by Mr. Snider...................
100
Redirect Examination by Mr. McCray................
TRACY D. WADE
102
Continued Direct Examination by Mr. McCray........
103
Cross-Examination by Mr. Snider...................
122
Certificate of Reporter...........................
206
DEFENSE EXHIBITS
MARKED
ADMITTED
100
104
101, 102, 103
105
106
108
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105
110
107
120
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(Call to the Order of the Court.)
THE COURT: Good morning. I understand that the last
juror has just arrived. I'll have the security officer check.
Are we having Mr. Perez, I think it was?
MR. MCCRAY: Yes, Judge, we have a couple of matters
we can bring before the Court.
THE COURT: You're supposed to let me know.
MR. MCCRAY: I was just going to tell you that he
just advised me he's going to invoke the Fifth Amendment. I
just learned this five minutes ago. He's outside.
THE COURT: Have the witness come in, please.
(Mr. Perez entered.)
THE COURT: Please come forward and state your name.
MR. PEREZ: My name is Clemente Perez. Good morning,
Your Honor.
THE COURT: Good morning.
MR. PEREZ: This case, I plead the Fifth.
THE COURT: All right.
MR. PEREZ: I just wanted to --
THE COURT: You were subpoenaed as a witness --
MR. PEREZ: Yes.
THE COURT: -- and now you are advising us that you
want to exert your Fifth Amendment privilege because of --
MR. PEREZ: I --
THE COURT: One moment.
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You want to exert your privilege --
MR. PEREZ: Yes.
THE COURT: -- against self-incrimination.
MR. PEREZ: Yes.
THE COURT: You were here last week.
MR. PEREZ: Yes, I came. Remember?
THE COURT: Of course I remember. That's why I'm
asking you. Why didn't you tell us that? Why didn't you tell
us you were --
MR. PEREZ: Because you said to me the jury wasn't
here.
THE COURT: The jurors are here now, sir. What does
that have to do with anything?
MR. PEREZ: Because I ask you. I was going to
Daytona.
THE COURT: Yes.
MR. PEREZ: Right. And then you told me to be here
at 9:35.
THE COURT: Yes, but why didn't you tell us you were
taking the Fifth then?
MR. PEREZ: You know --
THE COURT: Did you know you were going to take the
Fifth last week?
MR. PEREZ: I was going to say I take the Fifth, but,
you know, I couldn't -- I said that to you, but I didn't --
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THE COURT: No, you did not. You didn't tell me you
were taking the Fifth.
MR. PEREZ: Your Honor --
THE COURT: Yes, sir.
MR. PEREZ: I don't know these individuals. I don't
know them. So the only thing -- they know -- they got the
text. They got the text. They can show you the text. Okay.
THE COURT: What text?
MR. PEREZ: Go ahead. Give the text, you know. I
talked you to.
MR. SMITH: I'm not a witness.
THE COURT: What? I'm sorry.
MR. MCCRAY: He only told us he was taking the Fifth
about seven minutes ago.
MR. PEREZ: No, come on.
MR. MCCRAY: There's no texts.
MR. PEREZ: I was talking to that nice man over
there, and I told him that I was taking the Fifth last
Thursday, you know. You were talking to me.
MR. SMITH: I can address the Court if I'm asked to
address the Court.
MR. PEREZ: And I even told him.
THE COURT: You told him what? When?
MR. PEREZ: Thursday, that I was taking the Fifth.
Outside I talked to him.
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THE COURT: Are you referring to the gentleman seated
in the courtroom?
MR. PEREZ: Yeah.
THE COURT: Did he speak to you about taking the
Fifth Amendment?
MR. SMITH: Sir, last week, he appeared and he was in
a rage and he says he didn't want to be here, he doesn't know
these people. He says, "Maybe I'll take the Fifth," but he
didn't -- you know, he knows that I'm not the lawyer in the
case. He knows who the lawyers in the case are. He was
pretty upset, and I kind of calmed him down.
We had a conversation. He never texted me to say he
wanted to take the Fifth. My role was to try to arrange for
his presence here with our investigator, et cetera, once he
was served --
THE COURT: All right. Well, you just can't take the
Fifth. You have to have a reason to take the Fifth. So do
you have a reason? Do you understand what taking the Fifth --
MR. PEREZ: Right --
THE COURT: One moment.
Do you understand what taking the Fifth Amendment
privilege means? In other words, is there something that you
think you might say that could incriminate you, in other
words, might make you subject to being prosecuted for
something --
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MR. PEREZ: Right, right.
THE COURT: -- that you did?
MR. PEREZ: They know I didn't do anything wrong.
They know everything.
THE COURT: Sir, sir --
MR. PEREZ: You want --
THE COURT: -- you're talking in circles. If you're
taking the Fifth -- --
MR. PEREZ: Yes.
THE COURT: -- Amendment privilege, a person who
asserts the Fifth thinks that they did something wrong, and if
they say something about it, it could incriminate them --
MR. PEREZ: Right.
THE COURT: -- it could make them subject to being
prosecuted.
MR. PEREZ: Right, right.
THE COURT: So if you say, "I didn't do anything
wrong" --
MR. PEREZ: Right.
THE COURT: -- there's no reason to take the Fifth
Amendment. Do you understand?
MR. PEREZ: Yes.
THE COURT: So those are inconsistent.
MR. PEREZ: Okay. All right. Okay.
THE COURT: Those are inconsistent comments. So
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maybe the best thing for us to do -- let's call the mag
section and get a lawyer for him.
MR. PEREZ: Why?
THE COURT: So that you can talk to a lawyer who can
explain to you what the Fifth Amendment is all about because
you just can't --
MR. PEREZ: I -- I --
THE COURT: One moment.
MR. PEREZ: Okay.
THE COURT: You just can't say "I take the Fifth" if
you don't have a reason. If you have a reason, you can assert
the Fifth Amendment privilege. And so maybe you need to talk
to a lawyer to find out if you have a Fifth Amendment
privilege, because what you're saying to me is inconsistent.
You're saying, "I didn't do anything wrong, but I want to take
the Fifth." Those are inconsistent concepts. Do you
understand?
MR. PEREZ: Right. You know, I don't want to take
the Fifth. They could ask me any questions they want in front
of you because, you know -- I just -- I'm nice -- I'm a good
man. Okay?
THE COURT: All right.
MR. PEREZ: 57 years in this country. Okay? I'm a
great citizen. I never got subpoenaed in my life.
THE COURT: All right.
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MR. PEREZ: Okay. That's all I'm saying. So he
could ask me all the questions and I answer to you.
THE COURT: So why are you saying you want to take
the Fifth?
MR. PEREZ: Because I know that the Fifth
Amendment -- right? --
THE COURT: Yes.
MR. PEREZ: -- of the US -- right? --
THE COURT: Yes.
MR. PEREZ: The Constitution guarantees --
THE COURT: Yes.
MR. PEREZ: -- an individual cannot be compelled by
the Government. That's all I'm saying to you.
THE COURT: That's right. If you were going to say
something that makes you guilty of a crime, you don't have to
tell on yourself is what the Fifth Amendment is all about.
MR. PEREZ: Right, right.
THE COURT: If I committed a crime --
MR. PEREZ: Right.
THE COURT: -- then the authorities can't make you
talk if it will make you guilty.
MR. PEREZ: Right, right, right.
THE COURT: Otherwise, there is no privilege. That's
why they have subpoenas.
MR. PEREZ: Right.
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THE COURT: They issue a subpoena.
MR. PEREZ: Right.
THE COURT: People come in and tell the truth.
MR. PEREZ: Right. I didn't know. I tell you the
truth. I'll tell you everything they want to know.
THE COURT: All right. Have a seat in the spectator
area. Just to be cautious, I'm going to have a lawyer come
over and talk to you and explain to you what the Fifth
Amendment is all about --
MR. PEREZ: Okay.
THE COURT: -- because I think you don't understand.
MR. PEREZ: Okay.
THE COURT: You may have been here for 50 plus years,
but I don't think you understand the US Constitution. But I
could be wrong. But I'm going to let a lawyer explain to you
what taking the Fifth Amendment privilege means.
MR. PEREZ: Oh, okay.
THE COURT: And then you can tell me what you desire
to do.
MR. PEREZ: Okay.
THE COURT: All right?
MR. PEREZ: Okay.
THE COURT: So go have a seat outside.
MR. PEREZ: Okay.
THE COURT: And we will call the mag section and see
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if they can assist us.
All right. We're going to see if we can get someone,
and I guess what we should do now is proceed with Mr. Wade,
and then once we get this resolved, we will find out what to
do with the witness.
MR. MCCRAY: Judge, one other quick matter.
Mr. Nelson Villanueva, I believe his name is, pretrial, called
and asked me to please bring up -- he wanted me to bring up to
the Court, Mr. Wade received a traffic ticket on Saturday, I
believe it was, for driving on a suspended license, and it
turned into a criminal traffic ticket because he immediately
drove to the police department when he tried to show the
officer that his license in the system was not showing as
suspended.
So the officer gave him a second ticket because he
drove to the Coral Springs Police Department. Mr. Villanueva
asked me to please tell the Court that he has no intention
of -- I think the words he used was calling him in, but he
wanted me to bring it to the Government's attention and the
Court's attention and that's just what I'm doing.
THE COURT: Okay. Government, any comment in this
regard?
MR. SNIDER: No. The Government was not aware of
this incident until Mr. McCray brought it to my attention this
morning. I have not spoken to the assigned pretrial services
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officer. I don't have --
THE COURT: I guess what I'm asking you is are you
requesting any relief at this time?
MR. SNIDER: No.
THE COURT: All right. Let's move forward.
MR. WILCOX: One other matter. I filed a pleading
this morning. We have been trying to introduce a document
from the Womply files that were produced pursuant to a
subpoena issued by the Government. If I'm not mistaken, I
believe that the reason that the Court sustained the
Government's objection is because the documents did not meet
the requirements of the business --
THE COURT: No. The reason is you haven't laid a
foundation to offer the exhibit. That's the reason. In other
words, you just can't say the Government subpoenaed a document
and they gave it to us in discovery and now here it is in
evidence.
MR. WILCOX: Your Honor, so the reason is not
hearsay. It's authentication. Is that what the Court is
saying?
THE COURT: Has the Government agreed with you that
it's a business record and that it can come in with no
objection?
MR. WILCOX: Well, Judge, when you say it's a
business record, that's where I'm getting confused.
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THE COURT: Business records aren't necessarily
self-authenticating. A witness has to come in and say, "It's
maintained in the regular course of business." You know the
drill. And I know that it's a record of our business and I'm
offering it. Many times lawyers stipulate to that and you
don't have to go through it. So you have to tell me what the
situation is.
MR. WILCOX: Your Honor, if I may.
THE COURT: You may.
MR. WILCOX: Okay.
If this was hearsay -- if these records were hearsay,
then I would understand that these records would have to
satisfy the business exception. They're not being offered for
the truth of the matter asserted. They're being offered
because the relevance of these records are that they were
filed, that they exist. Now --
THE COURT: That's the truth of the matter. I'm not
understanding you.
MR. WILCOX: You're not.
THE COURT: You have a document that was
subpoenaed -- have you discussed this with the Government?
MR. SNIDER: Judge, we have a substantive objection
to the admissibility of these documents. Let's put aside for
a second the -- they have not -- on the foundation -- let's
put aside the foundation. What I believe they're trying to do
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is offer extrinsic evidence to impeach a witness that the
Government believed would be in violation of Rule 608.
Specifically, Ms. Rivero testified with respect to a couple of
these applications. I don't remember that person. I don't
remember doing that Schedule C. Correct?
When she was on cross-examination, they showed her
the document, said, "Does this refresh your recollection that
you did the Schedule C?" She said, "No, it does not." That's
it. You can't then call another witness to move in that
document.
THE COURT: Unless they call in someone who lays a
foundation, it's made in the regular course of business, and
it's relevant to the issues. Maybe they -- it sounds like
what they're trying to do is to show that she was involved in
an application that she claims she wasn't.
MR. SNIDER: She says, "I don't remember." So
putting it in, that doesn't go to her memory. They had two
opportunities, which they used on cross and in their own case,
to say, "This doesn't refresh your recollection that you did
the Schedule C?" She said, "No."
THE COURT: It doesn't refresh her recollection.
That ends the inquiry.
MR. SNIDER: Yes, exactly.
THE COURT: Now, do you have -- if the defense wants
to offer it, then you lay a foundation, and maybe Womply says,
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"This document that we have was submitted by this witness."
That's impeachment. I don't know how the mechanics work. But
if Womply can show in its systems that this particular
document was actually submitted by the witness, who doesn't
remember it, it would come into evidence.
MR. WILCOX: Your Honor.
THE COURT: Yes, sir.
MR. WILCOX: I would respectfully argue to the Court
that under Federal Rules of Evidence 901(a) and (b)(4) that we
have laid a sufficient foundation.
THE COURT: Well, you're just throwing out numbers.
Tell me factually what it is.
MR. WILCOX: I'll read it.
THE COURT: Tell me factually what you're talking
about.
MR. WILCOX: Federal Rules of Evidence 901(a)
states -- I mean, the title of the rule is authenticating or
identifying evidence. (A), "In general, to satisfy the
requirements of authenticating or identifying an item of
evidence, the proponent must produce evidence sufficient to
support a finding that the item is what the proponent claims
it is."
Then under (b)(4), it says, "Distinctive
characteristics and the like, the appearance, contents,
substance, internal patterns, and other distinctive
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characteristics of the item taken together with all the
circumstances."
I would submit to the Court that we have laid a
sufficient foundation, one that the evidence was produced --
that the records were produced by a subpoena from Womply
that's --
THE COURT: You haven't proven that. You haven't
proven that.
MR. WILCOX: Agent DiPietrantonio testified to that,
that these records were produced pursuant to that subpoena.
THE COURT: She doesn't work for Womply. The fact
that it was produced pursuant to a subpoena doesn't
necessarily make it admissible.
MR. WILCOX: It was produced by Womply pursuant to a
subpoena that -- that's one. That's one.
THE COURT: Wait a minute. Did she go to Womply and
get the document?
MR. WILCOX: No, I assume she did not.
THE COURT: Bring the jury in, please.
(Jury entered at 9:54 AM.)
THE COURT: We're now ready to proceed with the
testimony.
MR. MCCRAY: Thank you, Judge.
DIRECT EXAMINATION (CONTINUED)
BY MR. MCCRAY:
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TRACY WADE - DIRECT
17
Q.
Mr. Wade, how many corporations did you and your wife own
back around 2020, 2021?
A.
During those years, we owned Wade Funeral Home, which is
located in Hallandale.
Q.
That's one.
A.
Wade Funeral Home South, which was located in Cutler Bay,
if I'm correct.
Q.
That's two.
A.
1 Step A-Head, which my wife ran from home, and Just Us
Two Foundation, which is a nonprofit.
Q.
What was the purpose of that nonprofit?
A.
That nonprofit was for assisting the homeless and troubled
kids, troubled youth. We would donate book bags and school
supplies every year and feed the homeless.
Q.
And do you still have that corporation?
A.
Yes, sir, we do.
Q.
Now, I'm going to move forward.
You indicated that you knew Mr. Rivero; is that
correct?
A.
Yes, sir.
Q.
Now, did you do business with Mr. Rivero with respect to
the funeral home?
A.
Yes, sir.
Q.
Can you please tell the members of the jury -- give them
some examples of things you did with Mr. Rivero's funeral
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TRACY WADE - DIRECT
18
home.
A.
Well, Mr. Rivero was not a funeral director, and he would
have constant issues with funeral directors. Where I came in,
I did embalming for him. I did ship-outs. I saw a couple of
families for him. From time to time I've utilized his
vehicles. He's utilized my vehicles. He's utilized my staff.
I've covered funerals. I've helped him with preneed -- set up
his preneed, things of that nature. Anything regarding the
funeral business.
Q.
Okay. Did you have any interaction with his wife with
respect to the funeral home business?
A.
Yes. She was the administrator of the funeral home.
Q.
And do you remember what type specific business that you
did with her?
A.
Well, I would have to be in communication with her because
she handled all the documents, meaning the burial transit
permits, monthly embalming reports, affidavits that we would
have to -- I think she was also a notary. So she would also
have to sign and I would have to sign.
Q.
Okay. Did Mr. Rivero have any experience dealing with
computers?
A.
No. He wouldn't be a part of those kind of conversations.
Q.
Okay. Now, back in, say, 2020, when did you first meet
Mr. Rivero?
A.
I can't exactly give you the year, but it was way before
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the pandemic. I met him while -- I was covering a service for
another funeral home, and I believe he was there with a couple
of his vehicles. That's where I met him at.
Q.
Okay. Now, did there come a time when you -- there was a
conversation between you and Mr. Rivero with respect to a PPP
loan?
A.
Yes, it was.
Q.
Can you tell us about that, please, and when?
A.
If I recall correctly -- I can't recall why I was at his
funeral home, but I know it was for some funeral business. In
the parking lot, he asked me did I do a PPP. I was unaware of
what a PPP loan was, and he explained it to me as far as what
it was.
Q.
Okay. And did he tell you why he was inquiring?
A.
Well, he claimed him and his wife can help get the PPP
loan. That's what he claimed.
Q.
Did he mention to you whether or not he and his wife had
applied for loans?
A.
No. He told me he had no need for PPP loans. Him and his
wife was just assisting people getting PPP loans.
Q.
Okay. Did they ever tell you that they had received a PPP
loan?
A.
No, sir.
Q.
And when he said that they were helping people get PPP
loans, did he indicate whether or not they had actually helped
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the first person get a PPP loan or they were about to start
doing that?
A.
No, he didn't mention any of that. He just mentioned
certain businesses as far as funeral homes that I knew that he
was assisting.
Q.
Okay. And did you trust Mr. Eduardo Rivero back during
that time?
A.
Yes, I did.
Q.
And can you tell us why it is that you trusted him?
A.
Well, based on all the business ventures we had done, I
felt he trusted me with his funeral home. I not only trusted
him to do the PPP loan but I thought he was -- if we were
doing business as far as me using my license as a funeral
director, if I'm trusting him with my license, which if you're
in violation of anything as far as your funeral home, that's
criminal.
So I figured if he was using my license to do certain
things that I had no reason not to trust him with anything
else.
Q.
What was your understanding as to who the owner of that
business was?
A.
I thought it was Eduardo Rivero.
Q.
Did you subsequently learn otherwise?
A.
Yes. In this court proceeding.
Q.
Now, I believe one of the witnesses testified that he has
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a criminal history. Did you hear that?
A.
Yes, I did.
Q.
Were you aware of that when you were dealing with him?
A.
No, sir.
Q.
When you were approached about a PPP loan, was there
anything discussed concerning cost or fees?
A.
He said that you will have to pay a percentage because you
don't know -- no exact price was given because you don't know
what you're getting. You're just applying to see if you
qualify for this loan, and based on whatever you get, then you
have to pay that percentage.
Q.
Okay. During that particular conversation, was it ever
mentioned as to what, if any, documents were needed?
A.
If I'm correct -- well, it was bank statements, driver's
license, social security cards, a voided check.
Q.
Was that during that initial conversation or was that
sometime later?
A.
That was what he told me was needed initially.
Q.
Okay. And what was your response once you all talked
about the PPP loan?
A.
I really didn't have a response because he said it was a
simple process. He said you're just applying. If you get it,
you get it. If you don't, you don't. I didn't think anything
was suspicious about it or anything to question him about as
far as that went.
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Q.
Now, did Mr. Eduardo Rivero mention anything to you
regarding a Schedule C?
A.
Never.
Q.
Okay. I'm going to show you what has been marked -- okay.
The Schedule C that you actually filed, you filed one for what
years?
A.
I've never filed a Schedule C.
Q.
Okay. Now, you filed tax documents for 2019, 2020?
A.
Yes, sir.
Q.
Okay. Actually -- just one second. I'm going to show you
what has been marked as Government's Exhibit Number 209. Do
you see what's being published here, Government's Exhibit 209?
A.
Yes, sir.
Q.
Can you please tell us what this is?
A.
That's my tax return for Wade Funeral Home.
Q.
Okay. So instead of a Schedule C, is this what you filed?
A.
Yes, sir.
Q.
Okay. Now, have you been audited?
A.
No, sir.
Q.
Any communication regarding the legitimacy of 209?
A.
No, sir.
Q.
It also indicates, if you look on under income -- and I
will see if I can push that up a little bit -- income here --
and let's go over to 1(C). What does it say your gross
receipts and sales equal?
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A.
If you can move it back over, I believe 1(C) is $332,681.
Q.
Okay. And going to 1(A), what does that say?
A.
It says 300,000 -- it says the same numbers.
Q.
Okay. These were filed by you with the United States
Government?
A.
Yes, sir.
Q.
Okay. Did you have a CPA assist you with this?
A.
Yes, sir.
Q.
Okay. Did you ever represent to Ms. Granados that your
funeral home business made roughly just over a hundred
thousand dollars for that same year as reflected in the
exhibit that we just went over, which indicated that you had
made over 300-some thousand dollars?
A.
No, sir.
Q.
Did she ever tell you that she was going to put a number
that wasn't consistent with the 300-some odd thousand dollars
that we just saw?
A.
No, sir.
Q.
When, if anytime, did you learn that Ms. Granados had
included a number that was not accurate -- that was false?
A.
Once this indictment came into place and I looked at the
documents.
Q.
And what were your feelings at that time?
A.
Deceived, hurt, betrayed.
Q.
Now, had you ever asked Ms. Granados or Ms. Rivero to file
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a PPP loan in the name of your funeral home, Wade Funeral
Home?
A.
I didn't speak to Ms. Granados at all. I spoke to
Eduardo. And the understanding was the PPP loan was going to
be under Wade Funeral Home.
Q.
And how was that the understanding?
A.
Well, based on how he explained it to you, the PPP loan
was supposed to be for a business, not personal.
Q.
And so you mentioned to Mr. Granados that you would be
applying for a business loan?
A.
He asked. He asked did you do one for the funeral home.
He asked.
Q.
And what did you say?
A.
I said no, initially.
Q.
Okay. And did there come a time when you said that you
would?
A.
Yes. Yes, sir.
Q.
Okay. Now, let me show you what has been marked as
Government's -- actually, I believe this will be defense 7 --
Defense Exhibit 7.
Can you tell us what is this?
A.
That's me emailing Ms. Haydee Granados.
Q.
I was trying to get it a little smaller. Okay.
And what did this email contain?
A.
I would have to see it.
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Q.
This is the wrong one. I'm sorry. Excuse me.
I'm sorry. I should have been making reference to
Defense Exhibit 8.
Can you please tell us what this is?
A.
This is an email coming from Wade Funeral Home going to
Ms. Haydee Granados.
Q.
Okay. And did this email have any attachments to it?
A.
Yes. Yes, sir.
Q.
Can you please tell us what the attachments -- what this
reflects?
A.
My Florida Driver's License, my social security card, and
an attachment of a voided check for Wade Funeral Home.
Q.
And I'm going to move over to the next page. Can you
please tell us what this is?
A.
That's the voided check for Wade Funeral Home.
Q.
Okay. And this was sent at the request of whom?
A.
Eduardo Rivero.
Q.
Okay. And Wade Funeral Home's account, can you tell us
who that account was with?
A.
At that time, it was SunTrust, which is now known as
Truist.
Q.
And did you ever receive an email back saying, "Hey, I
didn't ask you for that. I asked you for your personal"?
A.
No, sir, because he asked for it.
Q.
Now, I'm going to show you -- go back to Defense
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Exhibit 7. And can you tell us again what is this?
A.
That's an email coming from Carolyn Wade to myself, Tracy
Wade.
Q.
And can you tell us what, if anything -- did you do
anything with it after you received it from Carolyn?
A.
Yes, I emailed it to Ms. Haydee Granados.
Q.
Let's go to the back page. Can you please tell us what is
this?
A.
A voided check from my wife's business 1 Step A-Head, hair
salon.
Q.
And 1 Step A-Head had a bank account?
A.
Yes, it did.
Q.
Now, let me ask you. Why didn't Carolyn Wade send this
directly to Eduardo or Ms. Granados?
A.
Probably because she was unable to do it.
Q.
I'm sorry?
A.
She probably was unable to do it because she was at work,
and initially when the process started, it was a simple
process as far as the sending of the documents. I did it for
her.
Q.
Were you the point person between the Riveros and your
wife --
A.
Yes, I was --
Q.
-- with respect to her loan?
A.
Yes, I was.
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Q.
And did there ever come a time when you actually would use
your wife's computer to file things?
A.
Yes, I did.
Q.
Can you give us an example?
A.
As far as with the loan?
Q.
Yes.
A.
I think I probably went in and uploaded probably a bank
statement. I think I signed a DocuSign one time for her also.
So, yes, I did go in it.
Q.
Now, does your wife really know Ms. Rivero?
A.
No, she doesn't.
Q.
Did she know Mr. Eduardo Rivero very well?
A.
No, she doesn't.
Q.
Who knows Eduardo?
A.
I do.
Q.
And did you know Eduardo's wife?
A.
I knew her through the funeral home itself and through
casual social gatherings.
Q.
Now, has she ever been to your funeral home before?
A.
Multiple times.
Q.
Now, did you at some point approach your wife --
A.
Yes --
Q.
-- about the opportunity to procure a PPP loan?
A.
Yes, I did.
Q.
And can you tell us how that came about, please?
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A.
So I can't exactly remember the time frame in which it
happened, but I know I had already processed my loan. When it
was pretty much done or if it was done -- because this has
been a while ago -- Eddie said to me, "Well, see. That was
simple. It's an easy process. And your wife has a business,
so let's see if she qualifies for the loan." And he says, "No
hurry. If she doesn't get anything, she doesn't get anything.
If she does, she does."
Q.
So was it your understanding that -- let me strike that.
What was your understanding as the condition, if any,
that the Riveros would be paid?
A.
Once she received the loan.
Q.
So if there was no loan received, there would be no
payment?
A.
Yes.
Q.
Now, when you presented this idea to your wife, did you
explain to her the fee arrangement?
A.
Yes, I explained to her it was a percentage.
Q.
Okay. And do you remember what the percentage was?
A.
It may have been between like 10, 15, or like 20 percent,
somewhere up there.
Q.
You're not really sure?
A.
I'm not sure of an exact. I just know it was a
percentage.
Q.
And how much did you pay Eduardo?
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A.
A thousand dollars Zelle and then an additional $4,000.
Q.
So you paid him a total of $5,000 for this loan?
A.
Yes.
Q.
Okay. How much did your wife pay the Riveros?
A.
The same.
Q.
A thousand dollars?
A.
A thousand dollars Zelle and then a check for $4,000.
Q.
Now, the check that was paid that was -- we'll start with
you. That was for $4,000, you said?
A.
Yes, sir.
Q.
And to whom was the check paid?
A.
I believe it was paid to Jersey City Group.
Q.
Were you familiar with that corporation?
A.
Not at all.
Q.
Why did you pay to Jersey City?
A.
Well, I knew it was Eduardo's company and I knew he was
from New Jersey, but I didn't think nothing more of it because
I just figured it was another corporation he owned.
Q.
And did he indicate to you how -- he indicated to you how
to make it out?
A.
Yes, he did.
Q.
Did he indicate to you what, if anything, to put in the
memo section?
A.
Yes, he did.
Q.
And what was that?
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A.
Well, based on what he said when he explained the PPP loan
criteria, he said it was business-related. Anything that you
did with the proceeds of the PPP loan had to be business
related. So in that memo column, he said you need to put, I
guess, equipment in the memo section. So everything had to be
related to your business.
Q.
Okay. Now, did you -- we'll get to that as I progress.
Now, with respect to Mrs. Wade, you said she made two
payments?
A.
Yes.
Q.
Totaling how much?
A.
$5,000.
Q.
How do you know that?
A.
I was there when she did it.
Q.
Okay. And to whom did she make her check to?
A.
The same two people, Zelle -- I think to Haydee Granados's
account and then the $4,000 check to Jersey City Group.
Q.
Okay. And did they direct her how to make the --
A.
The same.
Q.
The memo section?
A.
Yes.
Q.
And do you remember what she put?
A.
I think she may have put equipment restoration or
something to that effect.
Q.
Now, did your wife have equipment in her business?
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A.
Yes, she did.
Q.
Can you tell us about that?
A.
Equipment such as she had, like, two salon chairs. She
had a -- she does cosmetology, so she had the equipment for
cosmetology. She has numerous curling irons, hair dryers. In
the area where we sit, it was also set up where a part of her
equipment was the furniture that was in there because
sometimes her clients will come over and they had other people
with them, so they entertained them -- a couch, a TV, things
of that nature.
Q.
By the way, you said something about cosmetology. Does
your wife have any background in that?
A.
Yeah. She was a licensed cosmetologist.
Q.
Did she attend school for that?
A.
Yes.
Q.
Was she certified, if you will, or received some type of
license?
A.
She was licensed in the state of Florida.
Q.
And do you remember roughly what year that was?
A.
That was before she met me.
Q.
Okay. Now, who did you deal with primarily dealing with
these PPP loans?
A.
Eduardo Rivero.
Q.
Did you have any conversations with Ms. Granados Rivero?
A.
I may have spoken to Ms. Haydee Rivero about maybe two or
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three times pertaining to the PPP application.
Q.
You saw an exhibit that was introduced by the Government
which shows, I believe, there may have been 28 calls
commencing from May 4 up until a certain date.
A.
Yes.
Q.
Did you speak with her 28 times about PPP loans?
A.
No, sir, absolutely not.
Q.
Was it uncommon for you to talk to her on the phone?
A.
Not at all.
Q.
When you talked to her, what, if anything, would you talk
to her about aside from a PPP loan?
A.
Again, especially during those times, I know for a fact I
was assisting them with pretty much everything that ran in
their funeral home. They cannot have any documents go out of
there without a funeral director signing off to anything
pertaining to remains.
So it could have been from ship-outs, embalming
affidavits, quarterly embalming reports, burial transit
permits. It could have been a numerous amount of things I
spoke to her about.
Q.
Now, were there ever any times when you received either a
phone call or an email indicating that you needed some
documents from Mrs. Wade?
A.
Yes, it was.
Q.
Did they, either Mr. Rivero or Mrs. Rivero, ever deal
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directly with your wife?
A.
No, sir.
Q.
Who did they deal with?
A.
Me.
Q.
And if you were requested to provide documentation -- let
me rephrase that.
If Mrs. Wade was requested to provide documentation,
how did she learn this?
A.
Through me.
Q.
And how did you let her know?
A.
I would try to text her -- not text her. I would call her
because she didn't have her phone. You can't have your phone
at work. So I will call her either through the master
control, or if she was in a unit, then I would call directly
to the unit. It all depends where she was working.
Q.
Okay. Now, are you aware if either Ms. Rivero or
Mr. Rivero ever uploaded any information concerning your wife
with respect to this application process?
A.
Yes.
Q.
Tell us about that.
A.
My understanding was when I sent the documentation for my
wife, it was the same as when I sent the documentation for me.
So if they uploaded -- whatever they uploaded for me, they
were supposed to do the same thing for my wife.
Q.
Now, you all didn't apply for the loans at the exact time,
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did you?
A.
No, sir.
Q.
Do you remember the difference? Was it months? Weeks?
Years?
A.
I don't recall the distance.
Q.
Okay. But it wasn't the same time?
A.
No, sir.
Q.
Now, tell us what you had to do to actually initiate the
application process for you.
A.
I don't exactly remember what I had to do. I just know I
had to go in there and put preliminary information in it, and
I think you have to authenticate it. That's when they send
you the code back to activate the process. So I don't know
exactly what I put in. I think it's your name, your email,
but nothing of -- nothing -- I can't remember exactly.
Q.
Okay. Let me just ask you. Tell us what, if any,
information was asked of you by Mr. or Mrs. Granados when you
first talked to them about this.
A.
Nothing. They just wanted the documents that they
requested. That was it.
Q.
Okay. We saw your driver's license and the check -- a
voided check. Did they ask you for any other information?
A.
Oh, they wanted the passcodes because --
Q.
Did you give them that?
A.
Well, virtually I ended up giving it to them so -- let me
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back it up. I was, at the time, working at the sheriff's
office on midnights. I was working at the funeral home and
covering his funeral home also. I didn't understand the
process of this loan, and I guess everything was -- had to be
done in a timely manner.
So he kept calling my phone, "Oh, you're not paying
attention to this," or "You're not doing this," or "You're not
doing that. Why don't you just give me your email access and
that way" -- because I guess part of the authentication or the
codes will come to your email, as they testified to. And he
said, "Don't worry about it. You can trust me. When it's all
said and done, you could just change your email access and
then that's that.
"But in order for us to process the application,
everything has to be done in a timely manner." He also tried
to ask me for my bank account --
Q.
Before we go to that, did you give him access to your
email?
A.
Yes, I did.
Q.
Okay. Now, go ahead. Did he ask for access to anything
else?
A.
So then he asked me for access to my business bank account
and -- and my personal and I was, like, "Yeah, I trust you but
don't trust you like that." I wasn't giving him that.
Q.
So you never gave him --
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A.
No.
Q.
-- access to either of your bank accounts?
A.
No.
Q.
By the way, how many bank accounts did you have?
A.
I have a business account. My wife had a personal
account, which I was on. I had a personal account, which she
was on. And we had a savings account that we both were on --
Q.
Okay.
A.
-- and she also had an account for her business.
Q.
Okay. Now, did your wife file tax returns in 2019?
A.
Yes.
Q.
And she had been audited based upon what she filed?
A.
No, sir.
Q.
Any correspondence, to your knowledge, from the United
States Government regarding that?
A.
No, sir.
Q.
Did your wife apply for a PPP loan?
A.
Yes, sir, she did.
Q.
And was she required to DocuSign?
A.
Yes, she was.
Q.
Did she DocuSign for a PPP loan?
A.
For one of them, sir.
Q.
Okay. And what happened when she put that loan -- when
that loan went through?
A.
Which one?
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Q.
The first one.
A.
I think the one she DocuSigned was -- it didn't go
through.
Q.
Okay. And was she required to do another application?
A.
I don't believe she was required to do another
application. I believe, as they testified, it just
automatically goes to another lender --
Q.
Okay.
A.
-- so she didn't have to.
Q.
Okay. So on the second one, did she DocuSign the second
one?
A.
I know I -- one of the DocuSigns for her I did.
Q.
Okay. The first one that didn't go through, do you know
why it didn't go through?
A.
Not at all.
Q.
Okay. The second one, is that the one that you
DocuSigned?
A.
If I'm -- if I'm correct, yes.
Q.
And you DocuSigned on her behalf?
A.
Yes, sir.
Q.
Was she present?
A.
No, sir.
Q.
Did she know it?
A.
After. I told her.
Q.
I don't remember if I asked you regarding the voided check
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from 1 Step A-Head. Did you send that to someone?
A.
Yes. I sent it to Ms. Haydee Granados.
Q.
Okay. Now, you indicate that you have a bank account --
the joint account with you and your wife. Which bank is that?
A.
It was a USAA bank account.
Q.
Now, is that a local bank?
A.
No. USAA is based out of Texas.
Q.
Okay. Do they have a branch here?
A.
No, sir.
Q.
Okay. How did you bank with them if they didn't have a
branch?
A.
Everything you do with them had to be through the app or
online.
Q.
Okay. And is there a portal connected with that bank
account?
A.
Yes, sir, it is.
Q.
What is a portal, first of all, if you know?
A.
It's an app. We use an app.
Q.
Okay.
A.
Okay. And that app, in order to get in it, you have to
authenticate a code. So I have a code. She has a code. We
don't use the same code to go in. So once you go in and open
it up, everything you have with USAA is at your disposal --
USAA.
Q.
Now, when you go in that portal on that app, do you --
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what are the different reasons that you can go into that
account?
A.
We had life insurance, we had car insurance, we have
personal accounts, we have credit cards, personal loans, all
accessible through that app.
Q.
So if you look at documentation concerning that particular
account with USAA and it shows that you've gone and opened up
that portal, do you -- once you have looked into that
account -- to check for money?
A.
No, sir.
Q.
Now, I believe the Government introduced an exhibit which
showed that, back around the time when you applied for the
loan, that you had, like, $50 in that account. Is that all
the money that you and your wife had, $50?
A.
No, sir.
Q.
Can you tell the jury what, if any, other moneys you had
at that time?
A.
I think at the time in the savings account we had over
$30,000 in our savings account, and in my business account I
think I had almost 40,000. I'm not sure on an exact amount
but we had money accessible to us.
Q.
Did you go into that bank account around the time when
you -- right after you had applied for the loan?
A.
Probably did, yes.
Q.
Okay. Were you going in anxiously waiting on this money?
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A.
No, sir.
(Phone rang.)
THE COURT: I used to have a rule that if lawyers had
a phone in the courtroom and it went off that they would have
to pay a fine. So I guess I'm going to have to assess myself
with a small fine to my favorite charity.
BY MR. MCCRAY:
Q.
Now, Mr. Wade, back around 2020 and 2019, did you and your
wife own any real estate?
A.
Yes, sir.
Q.
Let's start with 2019. Can you tell the members of the
jury what, if any, properties you owned?
A.
If I'm correct, the home in Coral Springs we owned in
2019.
Q.
Okay. Is that where you live now?
A.
No. This is another home we live in now in Coral Springs.
Q.
Okay. Can you tell us what, if anything, happened
regarding the 2019 Coral Springs property?
A.
We ended up selling it.
Q.
When did you sell that property in relation to the PPP
loan?
A.
Probably around 2020, somewhere up in there.
Q.
Okay. And when you sold that property, did you acquire
any other property?
A.
At the same time we had the property in Coral Springs we
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also owned a property in Port St. Lucie where we lived prior.
Q.
So you owned that property?
A.
Yes, sir. Yes.
Q.
Are you able to give the members of the jury an estimate
of your net worth back around 2019, 2020?
A.
My net worth of everything?
Q.
Yes, meaning your properties, equity --
A.
Almost $2 million.
Q.
And that was around the time when you all were applying
for the loans?
A.
Yes. Yes, sir.
Q.
Now, were there other persons on that bank account -- the
USAA bank account with you?
A.
My wife had -- was on the account. All of the children
were on the USAA bank account also. So, like, when you open
the portal, you can see everybody that's associated with you
and their accounts, everything that's there. For example, my
wife's son, she would monitor his account, you know, just to
ensure everything was okay with him and his account. That was
one of the reasons why we went in there -- she went in there.
Q.
Does your wife go in that account frequently?
A.
Absolutely, yes.
Q.
Did you ever receive a loan with respect to the PPP
application?
A.
Yes, sir.
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Q.
When you applied for the loan, can you tell the jury
actually what it is you did to actually apply? Was there a
computer involved?
A.
Yes, sir, it was.
Q.
Can you tell us about that?
A.
I used my computer from my office, I used the computer
from my home. I used my phone apps. I used my wife's tablet.
I used her laptop. I used the computer.
Q.
Did there come a time when you -- let's talk about your
loan first, where you had to DocuSign.
A.
Yes, sir.
Q.
And when went -- when you DocuSigned, what device was that
on?
A.
I believe my computer from my office.
Q.
Okay. And when you did that, tell us what you could
actually see on the screen.
A.
Well, you get an email for a DocuSign. You click on the
link and it takes you to the portal. When it pops up, it is
instructing you about if you have not used that computer
before, then it tells you to adopt a signature. If you have
used that computer before, then your signature is already
there, and all you're doing is just initialling the
statements. You're not seeing any application. You're not
seeing any numbers. All you're doing is just initialling,
initialling, initialling. That's it.
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Q.
Did you see a PPP application when you went into the
computer to DocuSign?
A.
No, sir.
Q.
Did you see a Schedule C?
A.
No, sir.
Q.
Could you have seen it and just deliberately ignored it?
A.
No, sir.
Q.
What about -- I said "it." Let's talk first about the PPP
application.
Could you have seen it and just simply ignored it?
A.
No, sir.
Q.
What about with respect to the Schedule C?
A.
No, sir.
Q.
Were you ever told by Haydee Rivero or her husband that
they would have to put in false numbers in the PPP
application?
A.
There was never a discussion of any fraudulent activity
being authorized or approved.
Q.
Did they ever even mention a Schedule C to you?
A.
No, sir.
Q.
You spoke with them regarding your wife, you say, I
believe?
A.
Yes, sir.
Q.
With respect to your wife's application, did they ever
tell you that they would have to use fraudulent information in
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the application?
A.
No, sir.
Q.
Did they ever tell you that they would have to use
fraudulent information in the Schedule C?
A.
No, sir.
Q.
Now, your wife's business -- you know pretty much what
kind of business she's doing financially. Is that a fair
statement?
A.
Yes, sir.
Q.
If you had been told by her, meaning -- husband or wife,
Eduardo or his wife, that they were going to put a figure of
say $113,000 for 1 Step, would you have known that that was
false?
A.
Absolutely.
Q.
Did you ever see a document that reflected that 1 Step,
the beauty salon, had receipts of 100-plus-thousand dollars
for the taxable year, I believe, 2021?
A.
Did I --
Q.
Years, yes.
A.
Before this proceeding?
Q.
Yes, before this case.
A.
Oh, no. No, sir.
Q.
When was the first time that you saw a fraudulent
Schedule C?
A.
I don't know if it was a fraudulent Schedule C, but I saw
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the fraudulent documents the night before my wife was taken in
by the Broward County Sheriff's Office.
Q.
When you learned about this, how did you feel?
A.
I was puzzled initially, angry initially. Then I called
Eduardo immediately.
Q.
Did you speak to him?
A.
Yes, I did.
Q.
And what was said?
A.
I questioned that because initially when I was looking at
the documents online and I -- I was initially looking because
the document was unfamiliar to me. So I'm trying to
understand what it is because initially when my wife was under
investigation with the sheriff's office, we didn't know why,
and then certain other deputies started calling saying this is
what it has to be for.
So someone gave me the site, and I went and we pulled
it up, and I was looking for her EIN number, and I kept trying
to understand why her EIN number was not on the document.
Q.
Why did you think it should have been on the document?
A.
Because it was supposed to have been for her business
1 Step A-Head.
Q.
Had you provided that to either Mr. Rivero or Mrs. Rivero?
A.
I provided that to Eduardo Rivero with her EIN number.
Q.
That was when you sent that email?
A.
Yes.
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Q.
Go ahead. When you were looking -- go ahead.
A.
So as we were looking at it and we're trying to go, then I
see her Social Security Number on here and I say, "Wait a
minute. She put this loan in your personal name because you
your name is here." It says "Carolyn Wade" and it has her
Social Security Number.
And I used some profanity and then I immediately
called on the phone. So when I called on the phone,
Eduardo -- he tried to fast-talk me. And he was, like, "No,
no, no, no, no, nothing's wrong, nothing's illegal." Then
Haydee gets on the phone and says, "Hey, I didn't do anything
wrong. Your wife's only in trouble because BSO is trying to
make a statement against all the deputies. I did everyone
else's PPP loan correct and no one else is having a problem."
So I said -- I questioned her on certain things in
the application and she said, "Oh, just tell them it's a
typo." I said, "Typo my" -- and I hung up the phone.
Q.
Now, were you arrested around the time when your wife was
arrested?
A.
No, sir.
Q.
At the time in which your wife was arrested, were you
aware that your application and Schedule C had been falsified?
A.
Yes, sir.
Q.
You were aware the night your wife got arrested?
A.
No, not that night, but eventually down the road, after I
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started doing an investigation of the facts, then I looked at
it and I was, like, "Ah, wow. They did mine the same way."
Q.
Okay. And eventually the Government --
A.
Yes.
Q.
-- caused your arrest?
A.
Yes, sir.
Q.
Now, with respect to Wade Funeral Home, did you have
employees back around the time that you applied for the PPP
loan?
A.
Well, I called them based on how my CPA says they're
considered to be workers or laborers --
Q.
Okay.
A.
-- but yeah, the same thing.
Q.
Did you pay taxes on them?
A.
No, sir.
Q.
Why didn't you?
A.
Because I did 1099s.
Q.
Okay. What's a 1099, if you remember?
A.
The 1099s are for people -- businesses use the 1099s for
what -- consider them as vendors, if I'm correct, if you're
not withholding taxes from people that work for your business.
Q.
Okay. So is that why you didn't list that you had -- that
you were -- excuse me.
Okay. So why did you file a 1099 as opposed to not
taking taxes out -- as opposed to taking taxes out? I'm
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sorry.
A.
It's just based on the way it was explained to me by my
CPA. That was the way we need to do it if we weren't going to
be withholding taxes.
Q.
Okay. I beg the Court's indulgence.
Now, Mr. Wade, did you ever enter into some type of
agreement with the Riveros to defraud the Government?
A.
No, sir.
Q.
Did you ever authorize them to file these fraudulent
documents?
A.
No, sir.
MR. MCCRAY: I beg the Court's indulgence.
THE COURT: Ladies and gentlemen, there's a brief
matter that I had scheduled at 11:00, so I'm going to take
that matter up now so that you all can get these issues
resolved, and this will be in conjunction with your break. So
we should be back and ready to proceed in about 20 minutes.
Thank you.
(Jury exited at 10:49 AM.)
THE COURT: Be seated, please. You may step down,
sir.
Mr. Gilbert, will you come forward, please.
We have been advised that Mr. Perez has had the
opportunity to consult with an attorney. We contacted the
magistrate section. And so I'm going to get the information
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as it is presented to us. And let's get Mr. Perez in the
courtroom. He should be out in the hall.
MR. SNIDER: I'm sorry, Judge. I didn't realize the
matter you were taking up was related to this case. That's
why --
THE COURT: No, it's this case. It's the matter with
Mr. Perez.
MR. SNIDER: Understood. I thought it was separate,
so I was going to the restroom. I'll use it later.
THE COURT: I don't know what to tell you.
Mr. Perez, will you come forward.
All right. Counsel, would you state your appearance,
please.
MR. GILBERT: Yes, Your Honor. JP Gilbert, assistant
federal public defender, along with Ms. Batoff.
We have spoken to Mr. Perez. We understand the Court
asked us to inform Mr. Perez of the Fifth Amendment and what
that entails and what that would entail in this particular
trial. We explained the Fifth Amendment in detail, had a
conversation about what we anticipated his testimony to be.
It sounds like he received some -- some poor legal advice from
a friend. Based on our conversation, I don't believe it
should be an issue going forward --
THE COURT: Meaning no Fifth Amendment privilege
issue.
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MR. GILBERT: There should not be any invoking of any
Fifth Amendment privilege in the case, Your Honor. I think he
now understands that and understands the Fifth Amendment, Your
Honor.
THE COURT: Mr. Perez, have you had an opportunity to
consult with counsel?
MR. PEREZ: Yes.
THE COURT: Did you understand his explanation of the
Fifth Amendment?
MR. PEREZ: Yes.
THE COURT: You mentioned earlier that on one
occasion it was your desire to testify. Having consulted with
counsel, is it your desire to testify in this trial?
MR. PEREZ: Yes.
THE COURT: Do you have any questions to ask about
anything that we have discussed in this regard?
MR. PEREZ: No, no, no.
THE COURT: Counsel, anything further from either
side?
MR. MCCRAY: Not from the defense, Judge.
THE COURT: Government?
MR. SNIDER: Okay. We're not going to raise anything
at this time.
THE COURT: All right. Thank you very much for
getting involved on such short notice.
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Mr. Perez, let me just check.
What is it that you desire to do? Do you desire to
call Mr. Perez now or later?
MR. MCCRAY: Judge, the Court did promise Mr. Perez
that when he comes we would take him first.
MR. PEREZ: Yes, yes, of course.
MR. MCCRAY: And he has to go to work, I believe.
THE COURT: So when we resume, I will advise the jury
that we are taking a witness out of turn, so to speak. We
will go with Mr. Perez's testimony and then back to Mr. Wade.
MR. MCCRAY: Thank you, Judge.
THE COURT: All right. So the jury's taking a short
break. We're going to take about a ten-minute break and then
we will have you come in, be sworn, and testify, Mr. Perez.
MR. PEREZ: Yes.
MR. GILBERT: I'm sorry, Your Honor, and I have
clients waiting for me at FDC, so I will not be present.
THE COURT: You're excused.
MR. GILBERT: Thank you, Your Honor.
MS. BATOFF: Your Honor, would you like me to stick
around?
THE COURT: Ms. Batoff, I didn't even know you were
involved. When you say may you stick around, if you want to
just stay here, you're welcome to, but I'm not sure. Were you
anticipating advising Mr. Perez?
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MR. GILBERT: She was, Your Honor, yes.
THE COURT: All right. I excused your co-counsel in
this matter and you are excused as well, should you desire to
depart.
MS. BATOFF: Thank you, Your Honor.
MR. MCCRAY: Judge, I do have one other witness that
we -- we were finally able to contact.
THE COURT: I'm sorry. I'm having a little
difficulty --
MR. MCCRAY: Excuse me. I do have one other witness
who just showed up who we were not sure if he was going to
show up because he's out of Tampa and was impacted by the
hurricane. And -- I mean, his testimony is very similar. He
was one of the 21 persons who Ms. Granados had dealt with with
the loan. I don't know if the Court wants to take that person
out of turn --
THE COURT: It's your case in chief.
MR. MCCRAY: I would like to go ahead --
THE COURT: So if you want to call another witness in
your case in chief --
MR. MCCRAY: All right.
THE COURT: -- I'll leave that up to you.
MR. MCCRAY: That's fine, Judge. Yes.
(Recess from 10:55 AM to 11:16 AM.)
MR. SNIDER: Judge, will you tell the jury what's
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happening so they're not confused about why the Government
is --
THE COURT: Of course.
MR. SNIDER: Thanks.
MR. MCCRAY: And, Judge, with respect to Mr. Perez,
we want to proffer -- we would like to offer a proffer of his
testimony based upon the Court's ruling concerning the
document that we received from the Government which was
received from Womply.
THE COURT: I don't know what you're talking about.
Is that somehow related to Mr. Perez?
MR. MCCRAY: Yes. We have a fake Schedule C that we
received from the Government.
THE COURT: You received from the Government, but
what -- you mean in discovery.
MR. MCCRAY: Yes, in discovery.
THE COURT: Okay.
MR. MCCRAY: Yes, that's why I said "based on your
prior ruling." We received it from the Government. The
Government received it from Womply pursuant to subpoena.
THE COURT: From Womply.
MR. MCCRAY: Yes. And based upon the Court's prior
ruling, we anticipate difficulty introducing the fake
Schedule C. So for purposes of the record and appellate
purposes, Mr. Wilcox would like to proffer the witness's
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testimony because we don't know if the Court's going to allow
it in with respect to the fake Schedule C, and that goes to --
THE COURT: Well, I mean, I don't know what -- you've
mentioned this issue. You talked about 900 of the Federal
Rules of Evidence. This is not a 900 issue. It's 803.6.
This is a business record; right? This is a business record.
And I don't know how this relates to this witness. Do you
want to --
MR. MCCRAY: Judge, the fake Schedule C is
purportedly Mr. Perez. It's a Schedule C with his name,
social security --
THE COURT: Was there a loan applied in his name --
MR. MCCRAY: Yes.
THE COURT: -- by Ms. Rivero --
MR. MCCRAY: Yes.
THE COURT: -- that he was involved in?
MR. MCCRAY: Yes.
THE COURT: Thank you for letting me know that. Keep
going forward.
MR. MCCRAY: And this is one of the gentlemen who
Mr. -- I'm sorry -- Ms. Granados indicates that she doesn't
recall -- she didn't recall him, but he recalls her. He
recalls being approached by her. He's a pesticide person. He
was spraying her house and she approached him about a loan,
and he said that he spoke with her, applied for a loan but it
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didn't go through.
He said that she never ever at any point mentioned
anything about a Schedule C. She never mentioned anything
about taxes. She never asked him about any money he made. I
showed him the Schedule C a few minutes ago. He says, "Wow,
I've never, in my 57 years, made a hundred thousand dollars in
one year. I never told her that. I didn't authorize her to
put it there." He had never seen the document before.
THE COURT: And it has his name on it.
MR. MCCRAY: Yes, it does and the proper address,
because he will testify that he did give her, as the other
folks, his driver's license. He had his address on it, Social
Security Number. And there was one other document consistent
with what Mr. Wade and Mr. Wright has said. But he said that
his first time ever seeing or hearing about a Schedule C
was -- well, actually, I talked to him last week, but the
first time seeing the document was a few minutes ago. And we
would like --
THE COURT: Okay. I see.
MR. MCCRAY: -- like to introduce that Schedule C,
Judge, just to show that this was filed and he never
authorized it. He never knew anything about this.
THE COURT: All right. I understand all of that.
He's never seen it before; is that correct?
MR. MCCRAY: Not before today, Judge.
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THE COURT: All right. So is this a document that
was in a Womply file?
MR. MCCRAY: Yes, sir.
THE COURT: And how do you know that?
MR. MCCRAY: Because the Government sent a subpoena
out and --
THE COURT: What does the subpoena say, if you can --
MR. MCCRAY: What's the exact language?
It's Defense 5.
MR. SNIDER: Judge, Mr. Clemente is in the courtroom.
THE COURT: All right.
MR. MCCRAY: We'll call you.
THE COURT: I think the rule is invoked, isn't it?
MR. MCCRAY: Yes, it is, and I told him to stay out.
Judge, this has been introduced -- right? -- because
you questioned him. Judge, we have here a subpoena to testify
at a hearing or a trial in a criminal case sent to Oto
Analytics Inc. d/b/a Womply, Attention: Legal compliance in
Wilmington, Delaware. And it specifically says, "Please
provide all records in the custody or control of Oto Analytics
Inc., d/b/a Womply, related to Paycheck Protection Program PPP
loan 6697269001, business legal name Carolyn Wade, including
the entire content of any electronic or physical file related
to PPP loan number" -- the same loan number --
THE COURT: One moment. Just so I'm clear, this is a
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loan file related to Ms. Wade?
MR. MCCRAY: Yes, Judge.
THE COURT: Now, how is it that this document that
we're questioning now is in Ms. Wade's file?
MR. MCCRAY: Because the IP address of Ms. Rivero was
also in Ms. Wade's file and also in Mr. Perez's file, and
Womply, because of the way this language is, sent any files
that also had Ms. Granados Rivero's IP address, and that's why
we were able to get 18 files because she was the common
denominator in each of those -- actually, it was 21 files.
Judge, would you like to see the subpoena?
THE COURT: So the subpoena is directed to Womply,
saying, "Send us all information related to a number of
Mrs. Wade's; is that correct?
MR. MCCRAY: Yes.
THE COURT: And so because Haydee Rivero was somehow
related to the Wade file, they sent everything related to
Granados to --
MR. MCCRAY: That's correct, Judge.
THE COURT: -- the Government.
MR. MCCRAY: Right.
THE COURT: And so what makes it relevant to this
case? You had a witness here from Womply who could have said
what you just said. And I'm not sure what else they would
have said about a Schedule C. The Schedule C was in the file?
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MR. MCCRAY: Yes.
THE COURT: But at the same time, it was rejected.
I'm not sure I understand that. Why was it in the -- Womply
received it but, what, they rejected the application?
MR. MCCRAY: Yes, Judge. I don't know the basis of
the rejection, but there are others also who we just could not
get service -- a subpoena on, who were also rejected, but a
Schedule C was still submitted, and we believe it's important
to our case --
THE COURT: Well, I mean, it's not that it's
important. It's how does it come in through the evidence
rules. That's what it is.
MR. MCCRAY: I understand that, but you also talked
about the relevancy, and I was getting ready to address that.
THE COURT: Yes, I'm seeing a little clearer now why
it might be relevant, all of the machinations here, and why it
was received, but you would need -- you would need a Womply
witness. Wouldn't you? Wouldn't you need a Womply witness to
explain how these numbers match, et cetera?
MR. WILCOX: Your Honor --
THE COURT: Let me just try to follow him because I'm
kind of understanding a little better. So when he finishes,
I'll give you a chance to --
MR. MCCRAY: I'm listening, Judge.
Judge, Number 9 in the attachment -- I didn't read
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this -- it says, "Other applications" --
THE COURT: Number 9, what are you referring to?
MR. MCCRAY: I'm going back to the subpoena duces
tecum.
THE COURT: Okay.
MR. MCCRAY: There are ten requests, but the ninth
request says, "Other applications with same IP addresses as
PPP loan number" -- the one that I gave you.
THE COURT: Yes, but don't you need someone here from
Womply to talk about this business record? How does it just
come in? Because the Government subpoenaed something, that
doesn't provide the foundation for the document. It's similar
to earlier in this case there were lots of business records
that came from the Small Business Administration, and you all
were discussing, and the Government somehow was able to get
the records to you.
You all reached an agreement about those documents so
that they could come into evidence. Remember that discussion?
Now, you sent a subpoena to our office by email, which we
didn't get --
MR. MCCRAY: The first trial, yes. I do remember
that, Judge.
THE COURT: So what's the basis for the Womply
documents? Don't you need a records person from Womply? You
can't just say the Government issued a subpoena and we got the
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documents, so therefore they're now relevant business records.
That's the piece that I'm missing.
There was a Womply witness here who -- he was really
the technician. I'm not sure you had a -- I'm not sure there
was a custodian of records for Womply.
MR. MCCRAY: I think I recall Mr. Wilcox asking about
the subpoena --
THE COURT: Asking who? Asking who?
MR. MCCRAY: The witness is, Mr. Thakral I believe
his name is, and I don't believe he --
THE COURT: He created the program and he can explain
the machinations of --
MR. MCCRAY: Right. I recall that, but I'm saying
Mr. Wilcox, I believe, asked him about the subpoena, but I
don't think he --
THE COURT: Asked him about this document?
MR. MCCRAY: The documents that were requested via
the subpoena, and I don't think he had any information on
that.
THE COURT: All right. So that's the point. Where
is the information, as you say, on that, the custodian of the
Womply documents?
MR. MCCRAY: Judge --
THE COURT: See? That's the missing link.
MR. MCCRAY: Judge, Mr. Wilcox has really worked on
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this issue, if you --
THE COURT: Yes, sir.
MR. WILCOX: Your Honor --
THE COURT: Yes, sir.
MR. WILCOX: -- it seems to me that we would only
have to satisfy the business records exception to the hearsay
rule if the item that we were offering were hearsay. We're
offering these items as nonhearsay. Whether the contents of
the items are true or false is completely irrelevant to the
purpose of why we're offering them.
THE COURT: What are you offering them for?
MR. WILCOX: Excuse me?
THE COURT: What are you offering them for?
MR. WILCOX: We're offering them to show that, one,
Haydee Granados not only created false Schedule Cs for Mr. and
Mrs. Wade, but she did it for other people as well.
THE COURT: And that's the truth of the matter. What
is it other than that?
MR. WILCOX: I'm not -- that's where I'm --
THE COURT: Okay.
MR. WILCOX: That's where we're -- the fact that the
records are in the file produced by the subpoenas -- produced
by Womply pursuant to a subpoena --
THE COURT: Forget about that because the fact that
the Government issued a subpoena is of no consequence.
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MR. WILCOX: Let's get to the truth, then. What is
the truth?
THE COURT: You want to show it for the truth of the
matter you just asserted.
MR. WILCOX: And what's being asserted is that she
filed Schedule Cs.
THE COURT: Yes.
MR. WILCOX: How is that hearsay? Her filing
Schedule Cs, how is that hearsay? The mere fact that she's
filing this Schedule C.
THE COURT: She who?
MR. WILCOX: Haydee Granados.
THE COURT: She didn't say she filed the Schedule C.
You're trying to prove that she did but she said she doesn't
have any recollection.
MR. WILCOX: Right.
And the fact that they're in the file --
THE COURT: What file?
MR. WILCOX: -- disproves what she's saying.
THE COURT: But you need someone to talk about the
file. That's the whole point. I can't say any more on this.
MR. WILCOX: And I can't either, Judge.
THE COURT: All right.
MR. MCCRAY: Judge, I'm speaking with the Government
to see if we can do a stipulation.
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THE COURT: All right.
MR. MCCRAY: We're waiting on the Government, Judge.
(Pause in the proceedings.)
MR. WILCOX: One other thing, Your Honor. If the
Court was inclined, the Court could admit the documents over
hearsay objection pursuant to the residual exception.
THE COURT: But you've got to have notice of that in
advance.
MR. WILCOX: You're right.
THE COURT: All right. Are we ready to proceed?
MR. MCCRAY: Yes, Judge. Can we just do a proffer of
these two witnesses and release them and then start back at --
THE COURT: I'm at a loss. There's some testimony
you want to get from witnesses; right?
MR. MCCRAY: Yes.
THE COURT: All right. So let's have the witnesses
come in and testify.
Have the jury come in, please.
MR. MCCRAY: You're going to do it in front of the
jury.
THE COURT: I'm sorry? You're confusing me. You
told me you wanted this witness to testify, and we said we
would have him come in and testify next.
MR. MCCRAY: You indicated you were not going to
allow the Schedule C in.
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PEREZ - DIRECT
64
THE COURT: Yes. That's just one --
MR. MCCRAY: That's what the witness would be
testifying --
A COURT SECURITY OFFICER: All rise for the jury.
(Jury entered at 11:37 AM.)
(Defense witness, CLEMENTE PEREZ, duly sworn.)
THE COURTROOM DEPUTY: Please have a seat.
MR. MCCRAY: Judge, do you want to explain to the
jury that we're taking this witness out of turn or --
THE COURT: Yes.
We had some scheduling issues, so we're going to
alleviate that problem by having this witness testify now.
It's a defense witness, so we're going to stop the testimony
with regard to Mr. Wade, we're going to go to a different
witness, and then we'll come back at some point in time to
Mr. Wade's testimony.
You may continue.
MR. MCCRAY: Yes.
DIRECT EXAMINATION
BY MR. MCCRAY:
Q.
Would you state your full name, please.
A.
My name is Clemente Perez.
MR. MCCRAY: Was he sworn, Judge?
THE WITNESS: Yes.
MR. MCCRAY: Okay.
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PEREZ - DIRECT
65
BY MR. MCCRAY:
Q.
Mr. Perez, where do you live currently?
A.
I live at 4126 Northwest 88th Avenue, Apartment 202, Coral
Springs, Florida. The ZIP code is 33065.
Q.
Okay, sir. How long have you lived there?
A.
Since 1995.
Q.
Okay. And what do you do --
A.
For a living?
Q.
Yes.
A.
I do pest control, for 31 years.
Q.
Okay, 31 years.
All in Broward County?
A.
Always in Broward County -- well, I go Broward. Sometimes
if they call me -- if you need me, you live in Miami, I go and
I spray.
Q.
Okay.
A.
I go anywhere.
Q.
And do you do pest control for businesses or homes or --
A.
Homes, homes.
Q.
Okay. And do you know the gentleman sitting here with the
black suit on?
A.
No.
Q.
Have you ever met him before?
A.
Never met him. Only here.
Q.
And what about the lady here with the white --
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PEREZ - DIRECT
66
A.
No. No.
Q.
Okay. Are you familiar with an individual by the name of
Haydee Granados and Eduardo Rivero?
A.
Yes, yes, yes.
Q.
Can you tell the members of the jury how it is you know
them.
A.
Oh, I know Eddie -- Eduardo Rivero since New Jersey
because I know his dad; he owned funeral homes. And, you
know, I guess, he pass -- his dad die and he pass it on to
him. So he kept doing the same thing -- you know, funerals.
Q.
And do you know Haydee Granados Rivero?
A.
Yes.
Q.
Did you meet her after you met Mr. Eduardo --
A.
When I knew Eduardo, that was in New Jersey. Then I saw
him here and then, you know, he got married with this woman,
Haydee, and that's when I met her.
Q.
Okay. Now, did you do any work for Mr. Eduardo Rivero?
A.
No.
Q.
Did you ever do any pest control work for him?
A.
Yes. I did -- 2019, I went to his house and I spray. And
at that time, the COVID, it was -- you know, everybody was
having problems -- right?
Q.
Right.
A.
So as she approached me and she told me, "You should try,
you know, and apply for PPP loan," and I said --
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PEREZ - DIRECT
67
Q.
Prior to her approaching you, had you had any conversation
with her or Mr. Rivero about a PPP loan?
A.
No, no.
Q.
Okay. So when she approached you, tell us what, if
anything, happened -- what was said.
A.
Okay. I said to her, "You know what? I'm never going to
get anything anyway because I always never get nothing." So
she said, "Let's try anyway. Apply." So I went and I just
gave her my driver's license, I gave her the social
security -- right? -- and I kept spraying the house inside.
Then I went and I spray the house outside. And then,
you know, she did the application, and she told me, "The
application didn't go through," and then I said to her, "You
see? I never get anything." So I just left and kept working.
I just kept going -- working, you know, doing other houses.
Q.
Okay. So when did you find out that the application
didn't go through? Was it the same day or --
A.
The same day.
Q.
Did she tell you why it didn't go through?
A.
No.
Q.
Okay. Now, when you gave her the driver's license and you
said the Social Security Number --
A.
Yes.
Q.
-- was that something she requested or you just
volunteered it?
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PEREZ - DIRECT
68
A.
No, no, no, no, she told me, you know, "You need this,
your social security." So I just told her, "I know my social
security," so I just gave it to her.
Q.
Okay. At that time, did she ever ask you for any tax
documents?
A.
No. Never.
Q.
What was the name of your business?
A.
Extreme Pest Solutions LLC.
Q.
Okay. And that's still the name of it?
A.
It's still the name.
Q.
Okay. During that time, did you ever make over a hundred
thousand dollars?
A.
Gross, the most I made was 60. Gross. And that's with --
you know, that's gross. I have to buy the chemicals and then
you have to deduct all that. The most I ever made was
$26,000. That's why I live in an apartment. I can't buy a
house. I've been living there since 1995. And I have a wife.
She got a mess. So I can go no -- what do you want me to say?
I'm being honest. I'm going to stay there until I die.
Q.
Mr. Perez, did there come a time when you saw a Schedule C
in this case?
A.
No. I don't -- I don't even know what that is.
Q.
You don't know what a Schedule C is?
A.
You mean like the application?
Q.
A tax form.
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69
A.
Yeah, my tax. Yeah, you can show me.
MR. SNIDER: Hold on. He has documents on the -- I
don't want to publish his notes.
MR. MCCRAY: This is just exhibit numbers. Sorry.
BY MR. MCCRAY:
Q.
By the way, you indicated she put the application through
but you didn't get the loan?
A.
Yes. I didn't get anything. Nothing.
MR. SNIDER: Judge, I'm going to object to the form
of the question and ask him to rephrase it so it's not so
vague.
THE COURT: Overruled.
BY MR. MCCRAY:
Q.
Who completed the application?
A.
Oh, Haydee. Haydee Granados. She's the one who did
everything. I was just spraying. The only thing I did, I
gave her the driver's license and the social security.
MR. MCCRAY: Judge, may I approach the witness,
please?
THE COURT: Yes, sir.
BY MR. MCCRAY:
Q.
Sir, I want to show you what's been marked as Defendants'
Exhibit Number 35 for ID purposes. Take a look at that.
A.
I'm not saying nothing.
Q.
Don't say anything.
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PEREZ - DIRECT
70
Do you recognize this document?
A.
No.
Q.
Does that have any identifying information on it?
A.
It has my name and my address.
Q.
What about Social Security Number?
A.
Where is it? Yes, that's mine. Yes.
Q.
Okay. And what does this --
MR. SNIDER: Judge, objection to reading from the
document that's not in evidence.
THE COURT: Sustained.
BY MR. MCCRAY:
Q.
Did you have anything to do with the preparation of this
document?
A.
No.
MR. SNIDER: Objection.
MR. MCCRAY: Judge, we've had discussions sidebar,
but we would like to tender it at this time.
THE COURT: Is there an objection?
MR. SNIDER: Yes.
THE COURT: Sustained.
BY MR. MCCRAY:
Q.
Did you ever tell Haydee Granados that you made
$115,920 --
A.
No.
Q.
-- for the taxable year 2019?
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A.
No. I have never made that in my life.
Q.
The address of 4126 Northwest 88th Avenue, Apartment 202,
did you give that to her?
A.
Yes.
Q.
And the city of Coral Springs --
A.
Yes.
Q.
-- that was included?
A.
Yes.
Q.
And this Social Security Number -- what's your Social
Security Number? You don't have to say it, but you gave it to
her?
A.
No. By mouth.
Q.
Okay. And it is your testimony that she tried to put an
application through, but it didn't --
A.
It didn't went through.
Q.
So you didn't receive any money?
A.
I didn't receive no money, no nothing, no papers, no
nothing.
Q.
But she attempted to put it through?
MR. SNIDER: Objection.
THE COURT: The basis?
MR. SNIDER: Leading. Asked and answered.
THE COURT: Well, it has been asked and answered.
MR. MCCRAY: That's fine, Judge.
THE COURT: Sustained.
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MR. MCCRAY: Judge, I have no further questions of
this witness.
MR. SNIDER: May I cross, Your Honor?
THE COURT: Yes, sir.
MR. SNIDER: I'm going to take the podium. Can we
have the HDMI for the podium? Thank you.
CROSS-EXAMINATION
BY MR. SNIDER:
Q.
I am not going to -- well, I don't believe I'm going to
publish anything that is in evidence with this witness, so if
we can turn off the jurors' screens. I may show the witness
something that is not in evidence. So let's just -- I want to
make sure their screens are off for the time being.
Good morning, Mr. Perez.
A.
Good morning, good morning.
Q.
Mr. Perez, have you and I ever formally met?
A.
No.
Q.
Have we ever spoken before?
A.
No.
Q.
My name is David Snider. I'm a prosecutor and I represent
the United States of America in this case.
A.
Yes.
Q.
It's nice to meet you.
A.
Nice to meet you.
Q.
So you testified that on some occasion you were at the
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home of Haydee Rivero and Mr. Edward Rivero --
A.
Yes.
Q.
-- doing pest control?
And during that occasion, when you were doing the
pest control, you testified that Ms. Rivero asked you if you
were interested in a Paycheck Protection Program loan?
A.
Right, PP or whatever.
Q.
Did you know about the PPP before then?
A.
No.
Q.
That was the first time you had heard about it?
A.
Yes.
Q.
And you testified that while you were out spraying,
Ms. Rivero was inside doing your application? Is that your
testimony?
A.
Yes.
Q.
Okay. Do you remember a part either that day or perhaps
some other day, but do you ever remember being asked to try to
take a picture of yourself?
A.
No.
Q.
You don't remember that?
A.
No.
Q.
Do you ever remember trying to take a picture of yourself
in connection with this PPP loan application?
A.
No.
Q.
Do you ever remember being asked to verify your identity
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in connection with this application?
A.
No.
Q.
So it's your testimony you don't remember anything about
identity verification?
A.
Right.
Q.
You don't remember anything about taking a picture of
yourself --
A.
Yes.
Q.
-- for this?
A.
That's right.
Q.
Do you ever remember uploading or attempting to upload a
picture of a driver's license?
A.
No. I just -- I gave her the driver's license -- right?
Q.
That's your testimony? That's what you remember?
A.
That's what I did. And I was working and I kept spraying.
Q.
Okay.
A.
She did the application. That's all. That's what I did.
MR. SNIDER: Your Honor, I have marked electronically
an exhibit, Government Exhibit 3002, for identification, and I
would like to publish that only for the witness and defense
and, I guess, the Government's table but not to the jury
because it's not in evidence yet. I'm going to use this to
refresh -- see if it refreshes his recollection. That's the
purpose.
THE COURT: You can do it that way. You can do it
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with an actual copy of the --
MR. SNIDER: The issue is I don't have an actual
copy, only in electronic form.
THE COURT: Proceed.
MR. SNIDER: I don't want it on for the jury, just
for the witness and defense counsel, and I guess the
Government table and the judge. That should have been in
order of priority. The judge should have been number one.
THE COURTROOM DEPUTY: The witness.
MR. SNIDER: Judge, witness, defense, Government.
THE COURT: Everything else is on except for the
jury. The jury's off.
MR. SNIDER: Perfect. Thank you.
BY MR. SNIDER:
Q.
Mr. Clemente, do you see on the screen in front of you --
MR. MCCRAY: Our screen is not on.
MR. SNIDER: If this doesn't work, Judge, I'm going
to ask to approach the witness with my computer so he can see
it from my computer screen.
THE WITNESS: Nothing's coming on.
MR. SNIDER: Okay. May I approach the witness?
THE COURT: Yes, sir.
MR. SNIDER: This is a little unusual, but for the
record, I'm approaching the witness with my laptop, and
displayed on my laptop is a document that is marked for
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identification as Government Exhibit 3002, which I've shown to
defense.
May I approach?
THE COURT: Yes, sir. And you will need to make a
copy for the record later.
MR. SNIDER: Yes. I'll print it at lunch.
BY MR. SNIDER:
Q.
Now, this is a document. It has a sticker on it. It says
Government 3002. Do you see that?
A.
Yes.
Q.
And there's multiple pages of this document, so I'm going
to scroll down. Okay?
THE COURT: I think the witness may be pushing
against the microphone.
THE WITNESS: Oh, sorry.
BY MR. SNIDER:
Q.
Showing you page 3. Do you see page 3?
A.
Right. Okay.
Q.
And now I'm showing you page 6. Do you see anything on
page 6 that refreshes your recollection as to whether you took
a photograph in connection with the PPP loan application that
Ms. Haydee Rivero was assisting you with?
A.
Yeah, now I see -- pest control, right. The other
picture, the one you showed me, that's from the State.
Remember, I take pictures all the time when I get my renewal
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driver's license --
Q.
Take a look. I want to be specific here. Take a look at
page 6. Does this refresh your recollection that you took a
picture of yourself, otherwise known as a selfie --
A.
Yes.
Q.
-- in connection with a Paycheck Protection Program
application Ms. Rivero was assisting you with?
A.
Yes.
Q.
Does that refresh your recollection?
A.
Yes, yes.
Q.
And, Mr. Clemente, in fact --
A.
Five years ago.
Q.
Right.
So we're in 2024; right?
A.
Yeah.
Q.
And the COVID pandemic was a couple of years ago; correct?
A.
Yeah, 2019. Right? 2019, that's --
Q.
That's what you remember?
A.
Yeah.
Q.
Well, do you remember it was going on in 2020?
A.
Yes. Right, right.
Q.
Do you remember 2021?
A.
Well, I did -- yeah, they had it but -- what are you
trying to say? I don't know.
Q.
Sure.
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Do you remember that the COVID 19 pandemic was still
going on in 2021?
A.
Yes.
Q.
Okay. Now, you just testified that now you do remember
taking photographs in connection --
A.
I see that, right. I saw the background.
Q.
Right.
A.
I looked at the background.
Q.
Now that your memory has been refreshed, where do you
remember taking pictures of yourself for this PPP loan
application?
A.
In Haydee's house.
Q.
Okay. And do you remember that -- in fact, you took more
than just three pictures; correct?
A.
Well, three. I don't remember, you know.
Q.
You don't remember?
A.
I took three there. That's what you showed me.
Q.
Do you remember taking any other pictures?
A.
No.
Q.
No?
A.
No.
Q.
Are you sure?
A.
Show me. Show me.
MR. SNIDER: Judge, may I approach?
BY MR. SNIDER:
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Q.
For the record, I am approaching the witness with my
computer, and pulled up is a PDF that is marked for
identification as Government Exhibit 3003.
Mr. Clemente, do you see on my computer screen a
document that has a yellow sticker on it --
A.
Yes.
Q.
-- marked 3003 --
A.
Yes.
Q.
-- marked Government Exhibit 3003?
A.
Yes.
Q.
I'm going to go down to page 6 of this document. Do you
see page 6?
A.
Yes.
Q.
Okay. Does this refresh your recollection that you took
additional photographs of yourself, otherwise known as
selfies, in connection with a Paycheck Protection Program
loan --
A.
Well, I didn't took selfies, not me.
Q.
Well, does this refresh your recollection that there were
additional photographs of you taken showing your face in
connection with the PPP application?
A.
I guess, yes. I guess.
Q.
Is that -- so yes?
A.
Yes.
Q.
The answer is yes?
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A.
Yes.
Q.
Now you remember taking multiple photographs?
A.
Yes -- well, I didn't took them, not me.
Q.
Let me ask you a question. Your memory is now refreshed
that someone took multiple pictures of you --
A.
Thank you.
Q.
-- is that correct?
A.
Yes, yes.
Q.
Now my question is, do you remember that the difficulty
that you were having with this PPP loan application related to
your ability to get one of these pictures correct?
A.
To get these pictures correct --
Q.
Let me see if I can rephrase that a little more clearly.
Now that your memory has been refreshed --
A.
Yes.
Q.
-- do you remember that the issue you were having with
this PPP application that you testified failed had to do with
this process where you had to take -- someone was taking
pictures of you and they were running into problems with the
pictures and verifying your identity? Do you remember that?
A.
Yes, they were having problems, I guess, because it didn't
went through the application.
Q.
And, in fact, you took these -- or someone took pictures
of you multiple times; correct?
A.
Yes.
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Q.
Because it kept failing?
A.
Yes. Okay. Yes.
Q.
Yes.
And do you remember that now?
A.
I don't remember, but if I -- my --
Q.
My question is do you remember you took multiple pictures?
Now you're saying yes. My question is do you remember that
was part of the trouble that you were having with this
application is that you couldn't verify your identity through
these pictures?
A.
Yes.
Q.
Do you remember how many pictures were taken of you for
this process?
A.
That, I don't remember. You showed me, what, six?
Q.
Do you remember it being more than six?
A.
No.
Q.
No?
MR. SNIDER: May I approach, Your Honor?
BY MR. SNIDER:
Q.
And, for the record, I'm approaching the witness with my
computer screen, and pulled up is a PDF document that's marked
for identification as Government Exhibit 3004.
Mr. Clemente, do you see on your screen a document
that has a yellow sticker Government Exhibit 3004?
A.
Yes.
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Q.
I'm going to go to page 6 of this document. Do you see
page 6?
A.
Yes.
Q.
Does this refresh your recollection that there were more
than six pictures of you taken in connection with this PPP
loan application?
A.
Now I see, yes.
Q.
Now you see?
A.
Yes.
Q.
Now you remember?
A.
Yes. But I didn't took the pictures. That's what I'm
saying. You're saying those are selfies.
Q.
All right. Let me --
A.
Because if I'm -- listen, listen. If I'm going to take a
picture, okay, I take a picture, you know, not like this. You
could see -- you see those pictures. Somebody was taking
pictures; right? So if I'm going to take a picture, I'm going
to take a picture and I'm going to laugh too; right? Look at
those pictures. I'm just trying to say to you --
Q.
Just listen to my question.
A.
Go ahead.
Q.
Do you now remember that pictures of you were taken?
A.
Yes.
Q.
More than six pictures of you were taken --
A.
Yes.
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Q.
-- in connection with this PPP loan application?
A.
Yes. Without my knowing, I guess. Look at those
pictures, how they are.
Q.
It's your testimony that you didn't know that these
pictures of you were taken?
A.
I say yes, but I don't take pictures like that. That's
what I'm trying to say to you.
Q.
Is your memory refreshed --
A.
Oh, God.
Q.
-- that someone took pictures of you?
A.
Yes.
Q.
Mr. Clemente, have you ever heard of a company called
Womply?
A.
No.
Q.
Have you ever been to a Womply website?
A.
No. I don't even know --
Q.
Just listen to my questions.
Have you ever logged in to a PPP application on
Womply's website?
A.
No.
Q.
Have you ever gotten codes from Womply to log into a PPP
loan application?
A.
No.
Q.
Have you ever gone to a website --
A.
Can I say --
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Q.
Sir, I'm going to ask the questions and then I'm going to
ask you to answer. That's how this works. Okay?
Did you ever enter information --
A.
Right.
Q.
-- into a PPP application being made in your name?
A.
Well --
Q.
Did you yourself do that?
A.
No, not me. No.
Q.
Did you ever upload a bank statement into Womply for a PPP
application?
A.
No.
Q.
Did you ever link a bank account for Womply's website?
A.
No.
Q.
Did you ever DocuSign a PPP loan application?
A.
Can I say something?
Q.
No. Just answer the question and let me be specific.
A.
But I've got to tell you, because they use my phone --
Q.
First of all, only one of us can talk at a time;
otherwise, the court reporter cannot accurately take down my
questions and your answers. So this has to be one at a time.
A.
Okay.
Q.
Listen to the question.
With respect to a PPP application that you've
testified Ms. Haydee Rivero assisted you with --
A.
Yes.
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Q.
-- did you ever DocuSign any PPP application?
A.
I think I did.
Q.
You think you did?
A.
Yeah.
Q.
But you testified earlier that you never got an
application?
A.
No, no, I never got the same paper -- paperwork. Do you
understand? Like --
Q.
No, I don't.
A.
-- something to tell me that -- you know, what I did.
Q.
Well, you never received money?
A.
I never received nothing.
Q.
It's your testimony that the application didn't go
through?
A.
Right, because she told me it didn't go through.
Q.
So you wouldn't have --
A.
She used my phone to do the application. Okay? That's
why you know everything. Okay? Because I gave her my phone.
Now you see why you got those --
Q.
There's no question.
A.
Now you see why you have those pictures? Do you want me
to get you the phone? I'll go downstairs and I'm going to
show you. Now you know why. She did the application through
my phone.
Q.
Okay.
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A.
That's why they got --
Q.
And you weren't involved; correct?
A.
No. I gave it to her and I kept working.
Q.
But you didn't go to Womply's website, did you?
A.
No. I swear to God. I said no.
Q.
And you didn't input any information into Womply's
website; right?
A.
No.
Q.
Right.
A.
I gave her my driver's license, my social security, and I
kept spraying, and she have my phone --
Q.
I'm sorry. You said you were praying?
A.
No, spraying.
Q.
Oh, spraying.
A.
Yeah. I went to do pest control. Remember?
Q.
I remember.
A.
Okay. Remember that. Okay?
So I gave her my phone number and she did everything
with my phone -- my phone.
Q.
So you were at her house?
A.
Yes.
Q.
And you didn't do anything for this when you were not at
her house?
A.
No.
MR. SNIDER: No further questions. Thank you, sir.
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87
THE WITNESS: I need help every time I've got to do
something --
MR. SNIDER: Sir --
THE COURT: Sir, sir, there are no questions.
MR. SNIDER: -- I have finished asking questions.
MR. MCCRAY: I just have a few questions, Judge.
REDIRECT EXAMINATION
BY MR. MCCRAY:
Q.
Mr. Perez, when you say, "They used my phone," can you
tell the members of the jury who "they" are?
A.
Well, one. It was Haydee. She's the one that used my
phone to do the application.
Q.
Okay. And while she was using your phone, were you always
there while she was using your phone?
A.
No. I kept spraying because, you know, I -- I know Eddie
and I trust him. I gave her the phone. I gave her my
driver's license, my social security, and that's it.
Q.
Okay. And you said you DocuSigned. Did you ever review a
PPP application that had been filed in this case -- read
through the PPP application?
A.
No. No.
THE COURT: Does he know what DocuSign means?
Do you know what DocuSign is?
THE WITNESS: Like, with your finger you -- you sign.
THE COURT: On a computer?
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THE WITNESS: On a computer -- well, it wasn't on a
computer. I think it was my phone because she did everything
on the phone -- on my phone. She used my phone to do
everything.
THE COURT: All right.
THE WITNESS: So --
THE COURT: The next question.
BY MR. MCCRAY:
Q.
Were the photographs taken with your phone or something
else?
A.
I've got a lot of pictures in my phone --
Q.
Okay.
A.
-- pest control.
Q.
Do you know if those photographs that were shown to you by
Mr. Snider were taken on your phone or on some other device?
Do you know?
A.
No, no. My phone has those pictures.
Q.
Okay.
A.
I've got a lot of pictures.
Q.
Now, you indicated that you tried several times to take
the photographs. Was there anyone there trying to help you
take the photographs?
A.
To tell you the truth, I don't take pictures like that.
Q.
Okay. All right.
A.
How can I take a picture like this, facing? If I'm going
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89
to take a picture, I'm going to take a picture nice.
Q.
Now, was Haydee there during this entire process while you
were there with the phone -- while you were there, not while
you were out spraying?
A.
No, no. I was spraying -- I sprayed -- I gave her the
phone, okay, and she did everything through the phone. I kept
spraying. That's it. I kept spraying. Then I went and I did
the outside. And then she told me the application didn't go
through. And I said to her, "You see? I told you I'm not
going to get anything anyway. I don't even know why I tried
doing this."
Q.
Mr. Perez, did the FBI ever reach out to you about this
PPP loan?
A.
No.
Q.
You never received a call, a letter, or anything from the
FBI?
A.
No.
Q.
Why did you try to take the photographs so many times?
A.
I don't even know those photographs.
Q.
Okay. Do you use computers?
A.
Me?
Q.
Yes.
A.
No.
Q.
Do you have --
A.
I don't even have a computer in my house. I have a laptop
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and I don't even use it.
Q.
Why don't you use it?
A.
Because I don't use it. I don't -- I'm not -- I'm an
old-fashioned guy. I don't -- I don't like computers. I
don't know. What do you want me to say? Jesus. He's showing
me all these pictures that I don't even remember.
MR. MCCRAY: Judge, at this time, I have no further
questions.
THE COURT: May the witness be permanently excused?
MR. SNIDER: Yes.
THE COURT: Mr. Perez, you are excused, sir. Thank
you.
THE WITNESS: Thank you.
Do you see how nice -- you laughing like that? If I
take a picture with you, I would be like this. Why am I going
to have pictures like this, like that --
THE COURT: Mr. Perez, Mr. Perez. Thank you very
much, sir. You are excused.
THE WITNESS: Thank you. Oh, my God. I'm sorry but,
you know --
MR. SNIDER: Sir, sir -- thank you. There's no
questions being asked right now.
MR. MCCRAY: Judge, the witness went to the restroom.
THE COURT: I didn't hear you, sir.
MR. MCCRAY: The witness went to the restroom. He'll
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be right...
MR. WILCOX: Your Honor, I have a matter I want to
address at sidebar before the witness takes the stand.
(The following proceedings were held sidebar:)
MR. WILCOX: Your Honor, I'm making one last effort
to introduce the Schedule Cs that were -- and other documents
that appeared in the Womply file that were produced pursuant
to the Government's subpoena and that argument --
THE COURT: The Government's subpoena?
MR. WILCOX: Pursuant to the Government's subpoena.
The Womply files, pursuant to the Government's subpoena, I
have additional argument for the admission of the contents of
those files, and I'm making this argument pursuant to the
Chambers v. Mississippi --
THE COURT: I don't have the case, sir. You can't
just throw a case out. Do you want me to read something? You
just can't say Chambers versus Mississippi.
MR. WILCOX: Well, let me say it, Judge, and -- I
understand what you're saying, Judge. But Chambers v.
Mississippi stands for the proposition that defendants have
the right to present exculpatory evidence over hearsay rules
and rules of evidence that will otherwise -- and then it just
says reliable exculpatory evidence. We believe that these
fake Schedule Cs filed -- this witness that's coming up -- I
believe his name is Edison Rogers, and the fake Schedule C
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ROGERS - DIRECT
92
filed in Clemente Perez -- the witness that just testified,
Clemente Perez -- we believe that those are reliable
exculpatory documents and that they should be admitted over
any hearsay objection.
THE COURT: I haven't read the case, but your request
is denied. Frankly, you've already proved everything that you
wanted to prove through this last witness. That's a different
issue.
(The following proceedings were held in open court:)
THE COURTROOM DEPUTY: Please raise your right hand
to be sworn.
(Defense witness, EDISON ROGERS, duly sworn.)
THE COURTROOM DEPUTY: Please have a seat. Please
state your name and spell it for the record.
THE WITNESS: Edison Rogers, E-D-I-S-O-N,
R-O-G-E-R-S.
DIRECT EXAMINATION
BY MR. MCCRAY:
Q.
Good afternoon, Mr. Rogers. How are you?
A.
Good.
Q.
Mr. Rogers, how old are you?
A.
47.
Q.
I'm sorry?
A.
47.
Q.
And where do you live, currently?
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93
A.
Tamarac, Florida.
Q.
And how long have you lived in Tamarac?
A.
Since 2018.
Q.
Okay. And are you married?
A.
Engaged.
Q.
Okay. Do you have children?
A.
Yes.
Q.
Mr. Rogers, are you currently employed?
A.
Yes.
Q.
And by whom?
A.
Comcast.
Q.
Comcast?
A.
Yes.
Q.
What do you do with Comcast?
A.
I'm a service and installation technician.
Q.
Specifically, what are your duties?
A.
With business. I install and service business services --
Internet, phones, TV.
Q.
Okay. And going back to 2019, '20, '21, how were you
employed back then?
A.
The same way.
Q.
Still with Comcast? The same position?
A.
Correct.
Q.
Did you do any side businesses?
A.
Yes. I have a lawn service -- a small lawn service, and
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ROGERS - DIRECT
94
also I install security cameras and stuff like that, mount
TVs, low-voltage work.
Q.
And installing TVs, did that include security also?
Security?
A.
Yeah. Anything low voltage I can do.
Q.
All right. And did you do it with businesses and
residences or both?
A.
Both. Primarily businesses, though, at this point, yeah.
Q.
Okay. Now, do you recognize the name Rivero Funeral
Homes?
A.
Yes.
Q.
Do you know of an individual by the name of Eduardo
Rivero?
A.
Yes.
Q.
What about a person by the name of Ms. Haydee Granados,
now known as Haydee Rivero?
A.
It doesn't ring a bell, no.
Q.
Do you know if Mr. Rivero was married back let's say 2019,
2020?
A.
I don't know too much of his personal life, but I know he
has a family.
Q.
Did there come a time when you were approached by anyone
to possibly apply for a PPP loan?
A.
What do you mean approached by anyone to apply for a PPP
loan?
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ROGERS - DIRECT
95
Q.
Did anyone ask you about applying for a Paycheck
Protection Program loan back around 2019/2020?
A.
I mean, I got a lot of phone calls and stuff because of
my LLC. There was a lot of different companies calling about
stuff like that, yes.
Q.
What about Mr. Rivero? Were you ever asked about applying
for a loan with respect to someone from Rivero Funeral Home?
A.
That's a long time ago. I don't recall.
Q.
You don't recall?
A.
As far as -- a lot of people approached me about PPP loans
and stuff like that -- you know, grants, different things for
my business. We may have had a conversation, but I don't
recall him directly trying to apply for a loan for me.
Q.
What about Ms. Granados?
A.
Who's that?
Q.
A lady who's -- what about a young lady who's connected
with the funeral home?
A.
The secretary may have mentioned some things about that,
yes.
Q.
Well, let's talk about that.
What, if anything, did she mention to you about PPP
loans?
A.
Well, they would say things like, you know, if you have a
business, you may qualify. That's it.
Q.
And did you ever agree for them to at least apply for you?
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96
A.
I can't recall.
Q.
Did you ever supply Mr. Granados or a secretary or anyone
else connected to Rivero Funeral Home with your driver's
license?
A.
I mean, I did work for them, so it's possible. I did, you
know, 1099s, you know, to receive -- to get paid.
Q.
And the 1099s would have had your Social Security Number
on it?
A.
Yeah.
Q.
Would it have had your address on it?
A.
Yeah.
Q.
And what was your address back then, sir?
A.
7598 Northwest 73rd Terrace, Tamarac, Florida.
Q.
Tamarac is the same as Fort Lauderdale; right?
A.
Yeah.
Q.
What was the ZIP?
A.
33321.
Q.
Now, did you ever give anyone at the funeral home with
regard to a PPP loan your tax information --
A.
No.
Q.
-- for your businesses?
A.
No.
Q.
I'm sorry?
A.
No, sir.
Q.
Were you ever asked about tax information with respect to
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97
the PPP loan?
A.
No, sir.
Q.
Was it ever explained to you about how much money you
could possibly get from this PPP loan application?
A.
No, sir.
Q.
Did you ever take photographs at the Rivero Funeral Home
in connection with the PPP application?
A.
With an application, no. No, sir.
Q.
Did you ever take a photograph there at Rivero Funeral
Home?
A.
I installed cameras. You know, I did stuff like that all
the time, so it's possible. I can't say for sure.
MR. MCCRAY: Judge, may I approach the witness?
THE COURT: Yes, sir.
BY MR. MCCRAY:
Q.
Mr. Rogers, I'm going to show you what has been marked as
Defendants' Exhibit 36 for ID purposes. Take a look at this
to yourself. Read it to yourself.
Do you recognize that document?
A.
No, sir. I know what a Schedule C is, but I don't
recognize that document.
Q.
Now, let me ask you -- Judge, we would like to offer
this --
Is your name included in this document?
A.
Yes.
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98
Q.
Is your address included in this document?
MR. SNIDER: Objection.
THE COURT: Sustained.
MR. MCCRAY: Judge, I would like to tender this.
THE COURT: Is there an objection?
MR. SNIDER: Yes. Objection.
THE COURT: Sustained.
BY MR. MCCRAY:
Q.
Now, at any time during this time when you were speaking
to the secretary regarding the PPP loan application --
MR. SNIDER: Objection to the leading.
THE COURT: "At any time," but what's the question?
BY MR. MCCRAY:
Q.
Did you ever mention an amount of money that you made to
the young lady?
A.
Not to my recollection, no.
Q.
Did you ever mention to her the number of $112,930?
A.
Not to my recollection, no.
Q.
Did you as an individual in 2019 make $112,930?
A.
Between my businesses and myself, yes -- I mean, not that
amount. I don't know that amount to be correct. That's a
specific number, but I mean --
Q.
Let's exclude your business.
Did you individually make in 2019 $112,930?
A.
With Comcast?
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99
Q.
No, a proprietor, Edison Rogers.
A.
No. I would have to say no.
MR. MCCRAY: May I approach, Judge?
BY MR. MCCRAY:
Q.
Okay --
THE COURT: Counsel, how much longer do you
anticipate your direct will be?
MR. MCCRAY: Maybe five, ten minutes max.
THE COURT: Should we continue with this witness?
All right. Let's see if we can finish with this witness
before lunch.
BY MR. MCCRAY:
Q.
I'm going to show you what's been marked as Defendants' 38
for ID purposes. Do you recognize this?
A.
You asked me if I recognize this?
Q.
Do you recognize this document?
A.
No, sir.
Q.
On page 6 --
MR. SNIDER: Your Honor, objection --
THE COURT: He asked if he recognized the document
and you said, "No."
The next question, please.
BY MR. MCCRAY:
Q.
Do you remember taking photographs at the Granados'
residence?
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ROGERS - CROSS
100
A.
Not that I recall. That's -- that's a long time ago, sir.
MR. MCCRAY: I don't have anything further, Judge.
THE COURT: All right.
MR. SNIDER: Very briefly, Your Honor.
CROSS-EXAMINATION
BY MR. SNIDER:
Q.
Mr. Rogers, good afternoon.
A.
Good afternoon.
Q.
Sir, have we ever met before?
A.
No, sir.
Q.
My name is David Snider. I'm an Assistant US Attorney. I
represent the United States in this case. It's nice to meet
you.
A.
A pleasure.
Q.
Mr. Rogers, based on the testimony that you just gave
during Mr. McCray's questions, it seems like you don't know
the Rivero family very well. Is that fair to say?
A.
That's fair to say, yes.
Q.
And I believe you testified that you don't know their
personal life well; is that correct?
A.
Correct.
Q.
And you testified that you weren't even sure whether
Mr. Rivero was married; is that correct?
A.
I mean, it's -- it's a long time ago. I mean, I can't
say -- I know he has a family.
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Lance W. Steinbeisser - Federal Certified Realtime Reporter
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101
Q.
Okay. But you said you don't know who his wife is, if he
is married; is that right?
A.
I don't know if he's married, if they were legally
married. Like, people call that my wife out there, but --
we're engaged but we're not married. I know his girlfriend,
the lady at his office. I met her before at his office, yes,
and I did some work at the house --
Q.
I'm sorry. What was the last part?
A.
I did some work at their house, cameras.
Q.
Cameras and work related to Comcast and security? You did
some kind of security work for them at their house?
A.
Yeah, cameras and stuff like that.
Q.
When I say them, I'm referring to the Riveros.
A.
Yes.
Q.
Mr. Rogers, are you familiar with the Paycheck Protection
Program? Do you know what the PPP is?
A.
I've heard of it, yes.
Q.
But you didn't get a PPP loan for yourself, did you?
A.
No.
Q.
You never got a PPP loan ever; correct?
A.
I got a grant.
Q.
You got a grant, but you never got a Paycheck Protection
Program loan that was offered to you by -- you know, by
anyone, did you?
A.
No, sir.
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MR. SNIDER: No further questions.
THE COURT: May the witness be permanently excused?
MR. MCCRAY: I have a couple questions.
THE COURT: All right.
REDIRECT EXAMINATION
BY MR. MCCRAY:
Q.
You referenced a secretary. Did you ever see the
secretary at the home?
A.
I can't recall. That was a long time ago.
Q.
Did the FBI ever reach out to you in connection with the
PPP case?
A.
No, sir.
THE COURT: Permanent excusal?
MR. MCCRAY: Yes.
MR. SNIDER: Yes.
THE COURT: All right. You may be excused, sir.
All right. We're going to break for lunch now and
let's return at 1:30. 1:30 PM. Thank you.
(Jury exited at 12:37 PM.)
THE COURT: So, defense, how much longer do you think
your case in chief is going to take?
MR. MCCRAY: Judge, I just have probably about
another 20 minutes -- I would say 30 minutes with Mr. Wade and
to introduce some documents.
THE COURT: Government, any idea how long your cross
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Lance W. Steinbeisser - Federal Certified Realtime Reporter
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will be?
MR. SNIDER: At least two hours.
THE COURT: How much time are you requesting for
closing arguments?
MR. SNIDER: The Government is requesting one hour in
total for both, its opening and rebuttal.
THE COURT: And rebuttal.
MR. MCCRAY: An hour is sufficient, I believe.
THE COURT: All right. Well, based on your
predictions, we probably aren't going to finish today. I'm
not sure how far we will get.
All right. We're in recess until 1:30 PM.
(Lunch recess from 12:39 PM to 1:34 PM.)
(Jury entered at 1:34 PM.)
THE COURT: Be seated, ladies and gentlemen.
You may continue.
MR. MCCRAY: May I approach the witness, Judge?
THE COURT: Yes, sir.
CONTINUED DIRECT EXAMINATION
BY MR. MCCRAY:
Q.
I'm going to show you what's been marked as Defense
Exhibit 100 for identification purposes. Take a look at that
and see if you recognize it.
A.
Yes, sir, I recognize it.
Q.
Okay. What is that?
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A.
One of our bank accounts from USAA savings. This is our
USAA savings account.
Q.
Okay. Does that accurately represent moneys you had in
the bank at the time that's reflected on the document?
A.
Yes, sir.
MR. MCCRAY: Judge, I would like to move 100, Defense
100.
MR. SNIDER: No objection.
THE COURT: Received as marked.
(Defense Exhibit 100 was received in evidence.)
BY MR. MCCRAY:
Q.
I'm going to show you, sir, what's been marked as
Defense 101. Would you please tell me what this is?
A.
USAA savings account that we have -- or that we had.
Q.
What is that? Well, you answered that.
Does that fairly and accurately represent the moneys
you had in the bank at the time reflected on the document?
A.
Yes, sir.
Q.
I want to show you what's been marked as Defendants'
Exhibit Number 102. Take a look at that and see if you
recognize it.
A.
Yes, sir, I recognize that.
Q.
What is that?
A.
USAA savings account.
Q.
Okay. Does that fairly and accurately represent the
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Lance W. Steinbeisser - Federal Certified Realtime Reporter
105
amount of money that you had in the bank on the date reflected
on the document?
A.
Yes, sir.
Q.
Last, I'm going to show you what's been marked as
Defendants' 103. Do you recognize that document?
A.
Yes, sir.
Q.
What is it?
A.
The same account, a USAA account that we have with
savings.
Q.
Does that fairly and accurately represent the money you
had in the bank on that particular date reflected on that
document?
A.
Yes, sir.
MR. MCCRAY: Judge, I'd like to move 101, 102, and
103 also.
THE COURT: I just lost you -- you offered 101, 102,
and 103?
MR. MCCRAY: Yes, sir. We offered. And 100 was
accepted.
THE COURT: Yes.
MR. MCCRAY: The others were not offered.
MR. SNIDER: No objection.
THE COURT: Received as marked.
(Defense Exhibits 101, 102, 103 were received in
evidence.)
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MR. MCCRAY: Judge, may I publish?
THE COURT: Yes, sir.
BY MR. MCCRAY:
Q.
Let's start with 100 -- I'll start with 101, since it's
on. Looking at Exhibit 101, what's the beginning balance
there?
A.
$35,404.55.
Q.
And what is the date -- what's the beginning balance date?
A.
I can't see it.
Q.
Right here? Oh, I'm sorry. Okay. Can you see that?
A.
Yes, the beginning balance is 0501.
Q.
Okay. What's the balance on -- what's the beginning
balance amount?
A.
$35,404.55.
Q.
Okay. So this is May 1st?
A.
Yes.
Q.
What year was that?
A.
You have to slide it down for me, please.
Q.
Oh, I'm sorry.
A.
2021.
Q.
Now let's go to 100. What's the statement period
reflected on Exhibit 100?
A.
It would be April 1st, 2021, to April 30, 2021.
Q.
Okay. What is the beginning balance on Exhibit 100?
A.
$36,403.67.
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Q.
I'm going to show you Defense Exhibit 102. What's the
statement period reflected on this document?
A.
June 1st, 2021, to June 30, 2021.
Q.
I beg the Court's indulgence.
I'm now going to show you what's been admitted as
Defense 103. Can you please tell us the statement period for
103?
A.
July 1, 2021, and it goes to July 31, 2021.
Q.
Now, in the year 2021, actually August 2021, did you and
your wife sell any property?
A.
That may have been our second property, I think, in Port
St. Lucie -- the one in Port St. Lucie.
Q.
How much did you receive from the sale of the property?
A.
Wow. I think we -- we profited well over a hundred
thousand from the property.
MR. MCCRAY: Okay, Judge -- Judge, may I please
approach? I'm going to show you what's been marked Defense
Exhibit 106.
THE COURT: 106 for identification?
MR. MCCRAY: Yes.
THE WITNESS: Yes.
BY MR. MCCRAY:
Q.
Okay. Do you recognize that?
A.
I want to say this is part of the closing documents or the
sale documents.
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Q.
Okay. For which transaction?
A.
For the property that was sold at 599 Southeast Crosspoint
Drive, Port St. Lucie, Florida. 34983 is the ZIP Code.
Q.
Does this document fairly and accurately represent the
proceeds of that transaction?
A.
Yes, sir, it does.
MR. MCCRAY: Judge, I move 106, please.
THE COURT: 106 for identification is offered.
MR. SNIDER: There's no objection. I would just like
a copy.
THE COURT: Received as marked.
(Defense Exhibit 106 was received in evidence.)
MR. MCCRAY: May I publish, sir? Thank you.
BY MR. MCCRAY:
Q.
Okay. The settlement date of the transaction was what
date?
A.
8/20/2021.
Q.
Okay. And what date were the proceeds disbursed?
A.
8/20/2021.
Q.
And when was the PPP proceeds received?
A.
That, I'm not sure. You would have to look at a statement
or a document to answer that.
Q.
Do you remember what month it was?
A.
Actually, no, I don't. I would have to see it.
Q.
Was it before this date? If you don't know, you don't
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know.
A.
I don't know. I can't accurately answer that.
Q.
All right. So down at the bottom -- let's go to page 2
because page 1 is 603 -- Section 603 is cut off. So let's go
to the bottom. Cash to seller, on the second -- well,
actually, it's the same.
What amount of money was received by the sellers
here?
A.
How much did we receive?
Q.
Yes.
A.
It was like $140,000 plus.
Q.
Okay. And that was money to you and Mrs. Wade?
A.
Yes, sir.
MR. MCCRAY: May I approach please, Judge?
THE COURT: Yes, sir.
BY MR. MCCRAY:
Q.
I'm going to show you what's been marked as Defendants'
Exhibit 104 for identification purposes. Can you please tell
us what that is?
A.
My business bank account that I had at SunTrust.
Q.
Okay. Does this -- you say your business bank account.
Is that a statement?
A.
Yes, it is.
Q.
Okay. Does that statement fairly and accurately represent
the funds that you had in the account on the date reflected on
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the document?
A.
Yes, sir.
MR. MCCRAY: Okay, Judge, I would like to admit
Defendants' 104.
THE COURT: Any objection?
MR. SNIDER: No, no objection.
THE COURT: Received as marked.
(Defense Exhibit 104 was received in evidence.)
BY MR. MCCRAY:
Q.
Mr. Wade, let me show you what's been marked as
Defendants' 105 for identification purposes. Can you please
identify what that is?
A.
That is also another bank statement from SunTrust.
Q.
And does that statement accurately reflect the proceeds
that you had in the bank on the date of the statement?
A.
Yes, sir.
MR. MCCRAY: Okay. Judge, I would like to admit 105,
Defense 105.
MR. SNIDER: No objection.
THE COURT: Received.
(Defense Exhibit 105 was received in evidence.)
MR. MCCRAY: I would like to publish too, Judge.
THE COURT: Yes, sir.
BY MR. MCCRAY:
Q.
Okay. We're looking at 104, Mr. Wade. Can you please
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tell us the date of this SunTrust document?
A.
It would be June 1st to the -- June 1st, 2021, to June 30,
2021.
Q.
And does it reflect how much money you had in that
account -- a beginning balance?
A.
Yes, sir, it does.
Q.
Can you please tell us what it says?
A.
$39,755.82.
Q.
Okay. And does it indicate the average balance?
A.
Yes, sir, it does.
Q.
And what does it say?
A.
$51,345.91.
Q.
Does it indicate the average collected balance?
A.
Yes, sir, it does.
Q.
And how much is that?
A.
$49,940.81.
Q.
I'm now going to publish Defendants' 105. Can you please
tell the members of the jury the statement period for this
document?
A.
May 26 -- on the top, but it's saying until May 31, 2021,
I guess, is the ending date of the statement.
Q.
Okay. Will you please look where it says "balance
activity history"? And I'm going to move it up right here.
A.
Yes, sir.
Q.
What date is that?
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A.
May -- May 1st.
Q.
Okay. And what was the balance on May 1st?
A.
$49,569.74.
Q.
Okay. Let's go to May 28th. What was the balance then?
A.
$39,755.82.
Q.
And this Exhibit 105, this is the bank account for whom or
which entity?
A.
For Wade Funeral Home.
Q.
I'm going to show you Government's 1000, composite,
page 49. Do you recognize this?
A.
Yes, sir.
Q.
And what is this?
A.
It's a check that Carolyn Wade wrote out to herself.
Q.
For how much?
A.
$500.
Q.
And what does it say here?
A.
It says "salary."
Q.
Okay. I'm going to come back to that.
What about -- let's go to Government's 1000,
composite, page 50. What does this document show?
A.
That's the check that Carolyn Wade wrote out to myself for
$1,000 and it says "salary."
Q.
Now, you received this from her?
A.
The check?
Q.
Yes, the check.
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A.
Yes, sir, I did receive the check.
Q.
Can you tell us what the check was actually for?
A.
Okay. So because USAA is not a local bank. It's a bank
that's stationed in Texas. There's no local branches. You
can't walk in. You can't go in and make a withdrawal. You
can't take money out. If you go to an ATM, it's possibly fees
that you incur. However, it's not uncommon for me -- families
that come in and they pay for funeral arrangements with cash.
I do not deposit all the cash in.
So it's nothing for me to have at a time 25- to
$3,000 of what we call petty cash to do miscellaneous things.
So -- and this particular check right here, she wrote me the
check, and maybe she should have been more clearer and put
"Carolyn's salary," but the check wasn't to me. I gave her
the thousand dollars of cash and she wrote the check out to
me.
After she wrote the check out to me, then I will take
it and put it in my business account because it's business
cash that I gave her.
Q.
When you say business account, which account?
A.
Wade Funeral Home.
Q.
What bank account did Wade Funeral Home use?
A.
SunTrust at the time.
Q.
Okay. Let's look at 50 of Government's 1000. Look at the
second document on that page. What does this show?
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A.
You have to push it up for me.
Q.
I'm sorry. What does this document show?
A.
It shows the endorsement of it being deposited in Wade
Funeral Home's business account.
Q.
And why did you deposit it there?
A.
Because I had given her cash that belonged to Wade Funeral
Home.
Q.
Now, $500 -- let's go back to page 49 of Government's
1000. What is this?
A.
A check that Carolyn Wade wrote to herself, Carolyn Wade.
Q.
And did Carolyn Wade typically write a check to herself
for salary?
A.
She could, yes.
Q.
And the PPP loan had been received at this time?
A.
I would have to look at the date of reception. Yes. I
would say looking at the endorsement of the check, I would say
yes.
Q.
And this says, "SunTrust, for deposit only"?
A.
Yes.
Q.
Which SunTrust account?
A.
That was deposited in Carolyn Wade's 1 Step A-Head
SunTrust account.
Q.
Okay. Let's go to page 52 of Government's 1000,
composite. What is this, the top document?
A.
That's a check that I wrote to Wade Funeral Home.
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Q.
And for how much?
A.
I want to say $3,889.
Q.
And what was the purpose?
A.
As it says in the memo section, payroll.
Q.
Okay. And tell us who were you paying.
A.
Vendors, laborers, whoever worked to do multiple things at
that given time. I don't know offhand exactly what was done,
but yes.
Q.
What kind of workers did you have at Wade Funeral Home?
What kind of workers did you utilize?
A.
I utilized laborers. I utilized for funeral services to
help me in the prep room, to help around the funeral home --
secretarial, administrative work, lawn services, car
maintenance, car cleaning. It's a variety of things.
Q.
When you say prep work, what do you mean with that?
A.
I can't -- for example, if I go into the back and I have
to prepare remains, I would need someone to assist me with it,
sometimes two people.
Q.
Okay. All right. So this check reflected payroll?
A.
Yes.
Q.
Okay. The same thing for page 53 of Government's 1000,
Carolyn Wade to Carolyn Wade, for salary?
A.
Yes.
Q.
The same thing for page 54, Government's 1000?
A.
Yes, sir.
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Q.
Okay. What about Tracy Wade here where it says -- this is
page 55 of Government's 1000.
A.
Yes, sir, the same as before.
Q.
Okay. This is for salary?
A.
Yes, sir.
Q.
And where was this deposited?
A.
In my SunTrust business account.
Q.
Okay. Was this for your salary or was this for her
salary?
A.
No, it was for her salary. She was paying herself.
Q.
Okay. And just so we can be clear, explain again as it
relates to this check dated 6/17/21. What was the purpose of
this check being given in your name?
A.
Well, basically -- she couldn't write it in her name
because I can't put her checks into my business account. It
has to be written out to me or written out to the funeral
home.
Again, I have cash that is on hand. She wanted to
get money out, I guess, for whatever -- supplies or whatever
she needed to do -- or pay storage. And I said, "Hey, take
the money and I'll just go ahead and write me a check and put
it in the account."
Q.
Okay. Now, you mentioned storage concerning Mrs. Wade.
Can you talk about a storage concerning her business?
A.
She had, like, two mini storages with her supplies in it
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Lance W. Steinbeisser - Federal Certified Realtime Reporter
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from --
Q.
You said "too many"?
A.
Two, like, mini storages where she had a lot of her
supplies and overflow of chemicals and whatever else she had
in there --
Q.
Okay.
A.
-- for the business.
Q.
So she would rent out storage space?
A.
Well, she had to because at some point in time we didn't
have our house.
Q.
Now, let me just go back.
When you made application for this PPP loan
application for yourself, had you any inkling of an idea that
Haydee Granados was going to input false information?
A.
No, sir.
Q.
Did you learn after the application was made but before
any arrest in this case that any false information had been
included in any of the PPP documentation?
A.
Repeat that for me one more time.
Q.
We know you said that you learned about this for the first
time shortly after your wife was arrested.
A.
Right.
Q.
But before then, did you become aware that Ms. Haydee
Granados and/or her husband had inputted false, fraudulent
information into your document?
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A.
I had no idea any fraudulent activity had taken place.
Q.
Now, I believe you testified that you filed a proper
Schedule C in 2019; is that correct?
A.
No, I've never filed a Schedule C.
Q.
I'm sorry, the 1120, I believe it is.
A.
Right, right.
Q.
Okay. And were you aware if whether or not the IRS had
the capacity to pick up on individuals filing dual competing
applications?
A.
Yes.
Q.
How were you aware of that?
A.
I've -- I've known other people that file -- file, for
example -- as I heard prior testimony, if someone that claims
a child and someone else tries to file taxes and claims that
same child, it is caught immediately. So the IRS picks up on
that right then.
Q.
You've indicated that you knew nothing about this -- what
Haydee had done. Would you have agreed to this if you had
known that she was going to input some fraudulent information?
A.
Mr. McCray, I have 31 years of law enforcement. Spotless.
I created a business that's professional. I served the
community. I'm a fair person. I have a family that depends
on me. Your answer to that would be absolutely not.
Q.
Well, in this case there were two loans; right?
A.
Yes, sir.
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119
Q.
$20,833?
A.
Yes, sir.
Q.
Times two?
A.
Yes, sir.
Q.
We're talking just over $40,000, am I correct?
A.
Yes, sir.
Q.
Would you have risked your career and reputation for that
amount of money or any substantially greater amount of money?
A.
No, sir.
Q.
Were you ever pushing Haydee or her husband to hurry up
and get this money for you?
A.
No, sir.
Q.
Did you know an individual by the name of Jamil Hunter?
A.
Never. Never heard of him until this case.
Q.
Now, did you seek a forgiveness in connection with either
one or both of those PPP loans that you actually received?
A.
I wouldn't say I seeked (phonetic) the forgiveness. I
think that was, like, an automatic part of the process.
Q.
So you didn't --
A.
It automatically comes up as a part of the process at the
end.
Q.
Okay. Any of the documentation that was submitted in
connection with getting a forgiveness loan, were you aware of
any fraudulent information that had been included in that
document?
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A.
No, because you never see an application and you never see
a Schedule C.
MR. MCCRAY: I beg the Court's indulgence.
Judge, by stipulation we're admitting Defendants'
Exhibit 107 into evidence.
THE COURT: 107 for identification is received.
(Defense Exhibit 107 was received in evidence.)
THE COURT: Can you generally tell me what it is?
MR. MCCRAY: Yes, Judge. It's a 20191120-S tax
return for an S-corporation, Wade Funeral Home LLC.
THE COURT: All right.
MR. MCCRAY: Judge, can I just approach so we can
take a look at it first.
THE COURT: Sure.
BY MR. MCCRAY:
Q.
I'm going to show you what has been admitted into evidence
as Defense 107. Do you recognize this?
A.
Yes, sir.
Q.
What is that?
A.
My tax documents for Wade Funeral Home, 2019.
Q.
Okay. I'm going to publish it and then question you.
Okay. I'm now publishing Defendants' Exhibit 107.
What's this front page of 107? Do you have it on your screen?
A.
Yes, sir.
Q.
What's that front page there?
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A.
That's just a cover sheet that my accountant puts on it --
I guess Perez accountant -- and it just tells me what's
enclosed after the cover sheet.
Q.
Okay. Just for clarity purposes, Perez Accounting, is
that person related to this other person who was here, the
witness who testified a short while ago, Mr. Perez?
A.
Not at all.
Q.
Did you know him?
A.
Never seen him a day in my life.
Q.
Except for this case?
A.
Except for this case.
Q.
And the first time was when? Last week?
A.
When he came the first time that he was subpoenaed.
Q.
Okay. I'm going to turn over.
Now, what is this, sir?
A.
I guess that would be a breakdown of information.
Initially, it says, type or print, Wade Funeral Home address,
the EIN number, date incorporated. It gives a breakdown of
the gross receipts and sales and et cetera.
Q.
Does this indicate your gross receipts or sales?
A.
Returns and allowances -- yes, it does.
Q.
I'm still making reference to Defense 107.
How much does it say your funeral home made that
year?
A.
345,000.
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Q.
Did you ever ask, advise, agree that Haydee Granados
include an amount about -- between 100 and 115,000 on your
Schedule C filed in connection with this PPP loan?
A.
No, sir, because I never knew what a Schedule C was.
Q.
You don't file Schedule Cs?
A.
I don't file Schedule Cs.
Q.
So actually, you made more than what you later learned she
had included on the Schedule C?
A.
Yes.
Q.
And this 107 has not been questioned or challenged by the
Department of the Treasury or IRS; am I correct?
A.
Not at all.
Q.
Mr. Wade, when you applied for this loan, did you have any
questions about the integrity of the process?
A.
No, sir.
Q.
Why didn't you?
A.
Because I trusted Eduardo Rivero based on our past
history, things that we've done. There was nothing that
alarmed me, nothing suspicious about it because everything
that he asked me to give him was legitimate documents.
MR. MCCRAY: Okay. Your Honor, I tender the witness.
MR. SNIDER: May we please have the HDMI connection
on the podium?
CROSS-EXAMINATION
BY MR. SNIDER:
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TRACY WADE - CROSS
123
Q.
Good afternoon, Mr. Wade.
A.
Good afternoon, Mr. Snider.
Q.
You and I have never spoken outside of this courtroom;
correct?
A.
Briefly.
Q.
Do you remember speaking to me?
A.
Yeah, I held the door for you. You said, "Thank you,"
things of that nature.
Q.
That's true.
Have we ever discussed this case outside this
courtroom?
A.
No, sir.
Q.
Any discussion that I've had about this case as it
pertains to you has been through your attorneys; correct?
A.
Yes, sir.
Q.
And you and I have never formally met face-to-face --
correct? -- other than holding the door for me and other just
human interaction and pleasantries. We've never sat down
face-to-face; correct?
A.
No, sir.
Q.
So, Mr. Wade, let's go over sort of a few preliminary
things here.
You have never had a business named Tracy Wade;
correct?
A.
No, sir.
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TRACY WADE - CROSS
124
Q.
And as far as you know, there is no business doing
business as Tracy Wade; correct?
A.
There should not be.
Q.
Certainly not one that you're aware of; right?
A.
Yes, sir.
Q.
And there is no business named Tracy Wade that was
established, to your knowledge, in 2019?
A.
No, sir.
Q.
And you don't live at 315 West Pembroke Road in
Hallandale; correct?
A.
That's not my residence, no.
Q.
That's the residence of your funeral home?
A.
Yes, it is.
Q.
So that's not the residence of any business named Tracy
Wade; correct?
A.
No, sir.
Q.
Your funeral home is a Florida limited liability company;
is that correct?
A.
Yes, sir.
Q.
It is not a sole proprietorship; correct?
A.
Okay.
Q.
Is that right?
A.
Yes, sir.
Q.
And as you just went over with Mr. McCray, Wade Funeral
Home files business tax returns; correct?
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A.
Yes, sir.
Q.
The income that is reported to the Internal Revenue
Service for Wade Funeral Home is not filed on your individual
tax return; correct?
A.
No, sir.
Q.
It is filed on an 1120-S form; right?
A.
Yes, sir.
Q.
Do you have a Social Security Number?
A.
Yes, I do.
Q.
And I'll just say the last four digits. It ends in 4088;
correct?
A.
Yes, it does.
Q.
And you also have an EIN for the Wade Funeral Home;
correct?
A.
Yes, I do.
Q.
But that's a different number?
A.
Yes, it is.
Q.
You testified that you received a $20,833 loan from the
Paycheck Protection Program; correct?
A.
Yes, sir.
Q.
And that went into a USAA bank account that is in your
name and your wife's name; correct?
A.
Yes, sir.
Q.
So the PPP loan for the business Tracy Wade did not go to
the bank account for Wade Funeral Home; correct?
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A.
Correct.
Q.
And because there is no business named Tracy Wade, no
business that you're aware of named Tracy Wade made $112,430
in 2019 or any other year; correct?
A.
Repeat that question again.
Q.
Sure.
Because there is no business named Tracy Wade that
you're aware of, you're not aware of any business named Tracy
Wade making $112,430 ever?
A.
No, sir.
Q.
I've just connected to the HDMI and you should see on your
screen three exhibits that are in evidence in this case.
Those are Government's Exhibit 157 on the left side of your
screen, 158 on the right side of your screen, and 159 in the
center of the screen. Do you see that on the screen in front
of you, Mr. Wade?
A.
Yes, I do.
Q.
And you know what these documents are; correct?
A.
I've learned what these documents are.
Q.
You've learned. So let's go over what you've learned.
Let's start with 157, and I'm going to enlarge for
you the top portion here. Now, you just testified that
there's no business named Tracy Wade, no business has that
business legal name; correct?
A.
There's no legal business named Tracy Wade.
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Q.
So where it says here "business legal name Tracy Wade,"
that's false; right?
A.
That's false.
Q.
And the top section where it says "sole proprietor," you
don't have a sole proprietorship named Tracy Wade; correct?
A.
No, sir.
Q.
So that's false; correct?
A.
Correct.
Q.
And the business address that we just went over, 315 West
Pembroke Road, that's not for a business named Tracy Wade;
correct?
A.
No, sir.
Q.
So that's false? Yes?
A.
Yes.
Q.
And the total amount of gross income from an IRS
Schedule C -- from 1040 Schedule C, line 7, showing $112,430
in this document that's in front of you, Government 157,
that's false; right?
A.
Absolutely.
Q.
No dispute about that.
You've testified that the d/b/a Tracy Wade, that's
false; correct?
A.
Yes, sir.
Q.
And the year of establishment, that's false?
A.
Yes, sir.
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Q.
The business TIN, that's not a business TIN, to your
knowledge. That's a Social Security Number; correct?
A.
Yes, yes.
Q.
That's your social.
So that's your social. That's not a social for
business with the legal name Tracy Wade?
A.
That's my personal Social Security number.
Q.
Okay. And that's your phone number; correct?
A.
Yes, it is.
Q.
All right. And that's your email address?
A.
My personal email.
Q.
Your personal email address, your personal cell phone
ending in 1512; correct?
A.
Yes, it is.
Q.
So that's not for -- you said personal. That's not for
business; correct?
A.
For business.
Q.
So where it says business phone, that's false. Do you
agree with that?
A.
Yes, sir.
Q.
Now, I've just noted eight pieces of information on the
front page of Government's Exhibit 157 that's false. Would
you agree with that?
A.
Yes, sir.
Q.
Let's take a look at Government 158. Let me make it a
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little bit larger. I'm going to enlarge the same section. Do
you see Government 158 enlarged?
A.
Yes, sir.
Q.
By the way, what does it say at the top there, the very
top?
A.
It says, "DocuSign envelope ID."
Q.
Correct.
There's a DocuSign envelope ID. And just for the
record, that ends in 596E; correct?
A.
Okay.
Q.
And what's below that?
A.
There's a symbol.
Q.
A symbol, okay.
Do you see any words to the right of the symbol in
the center of the application?
A.
To the right of it it says, "Paycheck Protection Program."
Q.
Yeah.
And what does it say in the line below that?
A.
Borrower application form for Schedule C filers using
gross income.
Q.
Now, would you agree that the information that is in
Government 158 that I've enlarged is identical to the
information that I just went through with you in step in 157.
Do you agree with that?
A.
Yes, it is.
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Q.
So we don't need to go through it again. You would agree,
would you not, that the information that we just went over,
because it's identical, is also false in 158; correct?
A.
Correct.
Q.
All right. And now let's look at 159. Do you see the
section I've enlarged --
A.
Yes.
Q.
-- from Government 159?
And this has a DocuSign envelope ID at the top that
has the last four characters BBBC; is that right?
A.
Yes, sir.
Q.
So different envelope ID than the one we just looked at
from Government 158. But other than that, you would agree
that the information that I've enlarged here, the top portion
of this Paycheck Protection Program borrower application form
for Schedule C filers using gross income is identical to the
information we've just looked at in 157 and 158; right?
A.
Yes.
Q.
So with respect to that, it's equally false; correct?
A.
Equally false.
Q.
Now, you had no Schedule C that was filed with your
individual tax return; correct?
A.
Correct.
Q.
In fact, I believe you just testified when Mr. McCray was
asking you that question that you didn't know what a
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Schedule C was until before this case. Is that your
testimony?
A.
No. I learned about it in the prior proceeding. That's
what I stated.
Q.
Okay. Fair enough.
That's when you first -- some other prior proceeding,
that's when you first learned about what a Schedule C was?
A.
Yes, sir.
Q.
Okay. And just so we're clear, 2018, you never filed a
Schedule C; correct?
A.
For Wade Funeral Home?
Q.
No. Just -- well --
A.
I personally have never filed a Schedule C with my CPA
ever.
Q.
Okay. So that means that for 2018, 2019, 2020, 2021,
Tracy Wade, the individual sitting here today, he never filed
a Schedule C; correct?
A.
Correct.
Q.
Haydee Rivero, do you know that name?
A.
Yes, sir.
Q.
She used to be known as Haydee Granados; correct?
A.
Correct.
Q.
She created a Schedule C for your PPP loan application;
correct?
A.
Correct.
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Q.
And the Schedule C that Ms. Rivero created for you
contained information that she testified she completely made
up; right?
A.
Some of it she made up.
Q.
Some of it she made up. I guess that's fair.
She did put your name correct, so that part wasn't
false. She put your -- well, let's just look at it. Let's
just look at it. Publishing Government 154 in evidence. Do
you see that on your screen?
A.
Yes, sir.
Q.
This is the Schedule C that Haydee Rivero created for you;
right?
A.
Yes, sir.
Q.
And your name is correct although there is no business
named Tracy Wade; right?
A.
My name is Tracy Wade, but I don't have a business named
Tracy Wade.
Q.
Right.
So the fact that it says name of proprietor or
principal business or profession Tracy Wade, that's false. Do
you agree with that?
A.
That's false.
Q.
That is your Social Security Number; correct?
A.
Yes, it is.
Q.
And the only way she had that was because you gave it to
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her; right?
A.
I provided it to her.
Q.
Okay. And there's a business address there, but that's
not the business address for Tracy Wade. We've gone over
that; right?
A.
Yes, sir.
Q.
That's the business address for Wade Funeral Home.
You were shown -- I think it was maybe the last
exhibit by Mr. McCray -- a cover letter from Perez Accounting
attached to which was one of the tax returns for Wade Funeral
Home that Perez Accounting prepared; right?
A.
Yes, sir.
Q.
Perez Accounting -- am I saying it right? Is it Perez
Accounting?
A.
Yes, sir.
Q.
And your accountant there is who?
A.
Ms. Daniela Perez.
Q.
And she's been your longtime accountant; correct?
A.
Yes, she has.
Q.
Sometimes you refer to her as your CPA?
A.
Yes.
Q.
Do you know what CPA stands for?
A.
Not really.
Q.
She's a tax professional; correct?
A.
Yeah, something of that nature. Yeah.
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Q.
She's a licensed tax professional. She has done your tax
returns for you individually for several years; correct?
A.
Yes, sir.
Q.
And she's done the tax return for Wade Funeral Home, in
that separate filing, since the business was formed; right?
A.
Yes, sir.
Q.
Which was when? Like, 2011, thereabouts?
A.
Actually, 2010, because it was under another name, and we
had -- that corporation expired, and then we ended up with
Wade Funeral Home LLC.
Q.
So that's like almost 14 years you've been using this
accountant?
A.
Yes, sir.
Q.
So that's someone you trust; right?
A.
Yes, sir.
Q.
You trust her to file your taxes and to do it correctly;
right?
A.
Yes, sir.
Q.
You didn't go to her for any questions about the PPP
program, the person you trust, did you?
A.
Because clearly nothing was mentioned to me that it
involved taxes pertaining to my business.
Q.
Listen to the question.
Did you go to Ms. Perez and ask her anything about
the PPP loan?
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A.
There was no need to.
Q.
Did you go to her and say, "I need a Schedule C" -- your
accountant for 14 years -- and say, "Can you help me with
this?"
A.
Schedule --
Q.
The person you trust, did you go to her? Yes or no.
A.
The Schedule C was never mentioned to me.
Q.
It's a yes-or-no question.
Did you go to Ms. Perez to ask for a Schedule C?
A.
No. There was no need to.
Q.
And Perez Accounting is a legitimate firm; correct?
A.
Absolutely.
Q.
Ms. Daniela Perez, she would not lie for you; right?
A.
No.
Q.
She would not create a fake Schedule C; correct?
A.
No, she would not.
Q.
And you knew that; right?
A.
We don't do fraudulent business.
Q.
Right.
Daniela Perez would not create a fake Schedule C for
you?
A.
We do not operate fraudulently.
Q.
Would Daniela Perez do a fake Schedule C for you?
MR. MCCRAY: Objection, Judge.
THE WITNESS: I wouldn't ask her --
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THE COURT: One moment. Sustained. Ask direct
questions.
BY MR. SNIDER:
Q.
Let's go to another topic.
Mr. Wade, in 2021, your cell phone service was
provided by Verizon Wireless; correct?
A.
Yes, sir.
Q.
2021, 2022, you've been a Verizon customer for a long
time?
A.
I'm not a Verizon customer right now.
Q.
But you were in 2021?
A.
Yes, I was.
Q.
And your cell phone in 2021 that was provided -- service
for which was provided by Verizon was 786-488-1512; correct?
A.
Correct.
Q.
And in April, May, June, July, August of 2021, that was
your phone number? That never changed?
A.
Yes, it was.
Q.
And in April, May, June, July, August of 2021, the cell
phone that was assigned to that line ending in 1512 was a
Samsung Galaxy S21 Ultra 5G; correct?
A.
I know it was a Samsung. I don't know all of the other
numbers it goes by. It was a Samsung.
Q.
A Samsung Galaxy S21.
A.
Okay.
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Q.
Well, you don't have to take my word for it. Let's
publish Government Exhibit 806.1. Do you see
Government 806.1?
A.
Yes, sir, I do.
Q.
And this is the Verizon bill that you received for the
billing period of April 16, 2021, and May 15, 2021; correct?
A.
Yes, sir.
Q.
And do you see your name on it?
A.
Yes, sir.
Q.
Do you see your phone number?
A.
Yes, sir.
Q.
And do you below that Galaxy S21 U 5G?
A.
Okay.
Q.
Any reason to doubt that you had a Galaxy S21 U 5G
assigned to phone number ending in 1512?
A.
No, sir.
Q.
So you accept this as true?
A.
I accept that as true.
Q.
Okay. Now, your cell phone service provided by Verizon
Wireless in 2021 in the months that I just mentioned had a
data plan; correct? It allowed you to use -- access the
Internet from your cell phone, which was then a Samsung Galaxy
S21; right?
A.
Yes, sir.
Q.
And just like most people, you use the Internet from your
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cell phone when you're out and about; right?
A.
Yes, sir.
Q.
You don't need to be connected to a Wi-Fi network in order
to access the Internet from your cell phone because you have a
data plan that allows you to access the Internet on Verizon's
network; right?
A.
That's not necessarily so. Sometimes, depending on where
you are and if you're in a place where your phone is not
getting good connection, you do need to use Wi-Fi.
Q.
That's right, but listen to the question.
Sometimes -- I think my question was you had the
ability; right? You could use Verizon's network without Wi-Fi
to access the Internet?
A.
Yes.
Q.
And you did do that; right?
A.
Yes, sir.
Q.
Of course.
Now, in this case -- and you've been sitting with us,
of course, throughout the entire trial. Yes?
A.
Yes, sir.
Q.
So you've seen that in this case Verizon Wireless sent the
United States Government a list of certain IP addresses that
started with 174 that Verizon testified, through its witness,
it owned in 2021; correct?
A.
Yes, sir.
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Q.
And for the record, that was Government Exhibit 805, which
I have just published. Do you see that?
A.
Yes, sir.
Q.
And so do you have any reason to doubt that those were not
Verizon Wireless IP addresses in 2021?
A.
No, sir.
Q.
You accept that as true?
A.
Yes, sir.
Q.
Every single one that's --
A.
Every single one, absolutely.
Q.
You've also seen in this case what the IP address that
AT&T had assigned to the Wade Funeral Home in the time period
that we're talking about, April and May of 2021; correct?
A.
Yes, sir.
Q.
And that is in evidence as Government Exhibit 601, which I
will publish.
And you don't dispute that the Wade Funeral Home IP
address during this period was 104.9.107.166; right? You
don't dispute that?
A.
No, I do not.
Q.
Do you accept that as true?
A.
Yes.
Q.
And we've also seen that AT&T provided Internet service to
your home; correct?
A.
Yes, sir.
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Q.
And I'm publishing Government Exhibit 600. You have no
reason to doubt that the IP address that AT&T assigned to your
residence where you lived with Carolyn Wade during this
period, that IP was 107.131.161.84. Do you accept that?
A.
Yes.
Q.
There has been in this case a lot of records from a
company called Womply; right?
A.
Yes, sir.
Q.
And those records are now in evidence; correct?
A.
Yes, sir.
Q.
And those records show, Mr. Wade, that you had a lot of
online activity in your own PPP application on Womply's
portal; correct?
MR. MCCRAY: Judge, I'm going to object to the form
"a lot."
THE COURT: Sustained.
BY MR. SNIDER:
Q.
Is it fair to say that you yourself, Mr. Wade, conducted
activity on Womply's portal?
A.
I logged in to do certain transactions or certain things
that were required.
Q.
Okay. And you did the same thing for your wife, Carolyn
Wade; correct?
A.
Yes, sir.
Q.
And you know that to log into Womply's portal -- let's
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take your application, for example. You know that to log into
Womply's portal, you need to either supply your email address,
which we just looked at, or your cell phone number; correct?
A.
Yes, sir. I did both.
Q.
You did both?
A.
Yes, sir.
Q.
We'll look at the data to see what you did.
A.
Okay.
Q.
But a one-time code, depending on whether you use the
identifier of a cell phone number or an identifier as an email
address to log in, a one-time code gets sent to either of
those places, a cell phone through a text message or an email
address through an email; right?
A.
Every time you do a --
Q.
A login.
A.
Every time, there's a code that's sent.
Q.
Okay. And that code, you know, doesn't last forever;
right?
A.
Well, I didn't know then but now I know.
Q.
You didn't know it expired?
A.
No.
Q.
You never had an instance where, for example, Carolyn Wade
had a code that expired?
A.
When it was explained to me because they kept rushing me
and kept saying, "You're not answering your phone. You're not
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paying attention -- certain things that you need." So then I
found out --
Q.
Sir, just listen to my question.
Is it your testimony that you didn't know that that
code had a limited lifespan to it?
A.
I found out in another proceeding. Yes.
Q.
And you've logged onto bank accounts too and other
websites that have a one-time code; right?
A.
No.
Q.
You've never done that. You've never had to put in a
one-time code?
A.
Let me back up. Yeah, sometimes. I agree, yeah.
Q.
And you know that the purpose of a one-time code is that
it's one time. And if it lasted forever, it wouldn't make
sense for it to be one time; right?
A.
Okay.
Q.
Okay?
A.
Yes.
Q.
So you know that they expire?
A.
Well, I didn't know it was a one-time code.
Q.
But you got those codes in connection with logging into
Womply's website -- you, on your cell phone, got codes; right?
A.
Correct.
Q.
And you shared those codes sometimes?
A.
From the beginning. I shared the codes.
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Q.
Who did you share the codes with?
A.
Verbally over the phone, they were given to Eduardo
Rivero, and he gave them to his wife, Haydee Granados, at the
time.
Q.
And did you ever share one of those codes with anyone
else?
A.
No.
Q.
No.
A.
There's no reason to.
Q.
No reason to, right.
You gave that code sometimes to Haydee Granados
directly; right?
A.
No. Everything pretty much was given to Eduardo. I may
have spoken to Ms. Granados maybe two to three times when it
came to this PPP application.
Q.
Two to three times. That's your testimony. You spoke to
her two to three times in connection with this PPP process?
A.
That is a fact.
Q.
No, I'm asking you --
A.
Yes --
Q.
-- if that's your testimony.
A.
-- that's my testimony.
Q.
Okay.
So your PPP loan application, you started that one
yourself; right?
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A.
Yes, sir.
Q.
Okay. You went to Womply's website. You put in your
phone number, which you had to verify, and you put in your
email address, which you had to verify, and that began the
process. You started that; right?
A.
Yes, sir.
Q.
In fact, we're looking now at what is slide two of the
Government's demonstrative that's marked as 1000. Do you see
that?
A.
Yes, sir.
Q.
And this is on May 4, 2021. These two transactions, which
are the first two transactions with respect to this account,
this application, that's you conducting that activity from the
Wade Funeral Home using the Internet connection that has an IP
address ending in 166; right?
A.
Yes, sir.
Q.
So that's Tracy Wade.
And if we go up to slide one, these are the login
attempts for May 4, 2021; correct?
A.
Yes, sir.
Q.
And those show five logins by you, Tracy Wade; right?
A.
You said attempts initially. So is it a login or is it an
attempt?
Q.
Well, do you see where it says "success"? What does it
say under success?
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A.
Okay.
Q.
I'm sorry. What does it say?
A.
It says true.
Q.
It says true.
And you heard the testimony that when it says true,
that means the login was successful; right?
A.
Yes, sir.
Q.
Do you accept that as true, that fact?
A.
Yes, sir.
Q.
So these were successful logins by Tracy Wade on May 4,
2021, one, two, three, four, five. Do you accept that?
A.
Yes, sir.
Q.
We're now on page 8 or slide eight. These are login
attempts on May 5, 2021, and the last one there, which is from
a Verizon Wireless IP address, with the cell phone model that
you had at the time, a Galaxy S21 U 5G; correct?
A.
Correct.
Q.
So that is you, Mr. Wade, logging in on May 5th, 2021, to
your PPP loan application; correct?
A.
Yes, sir.
Q.
On slide nine, this is now May 6, 2021. This is you,
Mr. Wade, logging in, one, two, three, four times using your
cell phone, the Galaxy S 21 U 5G while on Verizon's network.
Yes?
A.
Yes, sir.
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Q.
We're now on slide 31. These show login attempts on
May 19, 2021; correct?
A.
Correct.
Q.
And there's two logins on this page. Yes?
A.
Yes.
Q.
Okay. And that's you, Mr. Wade, logging into Womply's
portal for your application twice on May 19, 2021; correct?
A.
Correct.
Q.
And that's you using -- it's a cell phone you were using.
We're now looking at slide 33, which shows two login
attempts on May 20, 2021; correct?
A.
Correct.
Q.
And that's you, Mr. Wade, logging in both those times on
May 20, 2021, to your PPP loan application on Womply's
website; correct?
A.
Absolutely.
Q.
Now we're on slide 37. This shows one login on May 25,
2021. Yes?
A.
Yes.
Q.
And that is you, Mr. Wade, logging in to your PPP loan
application on May 25, 2021, using your Samsung Galaxy phone;
correct?
A.
Correct.
Q.
Now we're looking at slide 38. This is a login attempt on
May 26, 2021. And that's you, Mr. Wade, in the second row of
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this data, logging in to your PPP loan application on Womply's
website; correct?
A.
Correct.
Q.
And I didn't go over this on all the slides, but do you
see where it says "identifier" on the far left?
A.
Okay.
Q.
That's your phone number; right?
A.
Correct.
Q.
So these codes to log in are being sent to your phone?
A.
Correct.
Q.
Correct.
A.
Although I think sometimes they sent simultaneous codes to
the email and the cell phone, so I'm not exactly sure on that.
Q.
Well, there's no email there; right? It's just a phone
number?
A.
But you have my Verizon up right now.
Q.
I'm sorry?
A.
You only have the Verizon up, so I don't know.
Q.
Well, actually, I'll represent to you -- do you see where
it says source, Government Exhibit 163E?
A.
Right.
Q.
So that's taken from that big spreadsheet that Womply
produced to us. If you want to see it, I'll be happy to show
it to you.
A.
No. What I'm saying is you're saying the one-time code
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was sent to my cell phone. I said to you -- because that's
what this represents. I said to you, "I think they were
simultaneously sending the codes to your cell phone and your
email." I think they did do that. What you're showing me is
a cell phone, and nothing that you're showing shows where they
sent the code out -- the passcode.
Q.
Well, let's just take a look at the data because you
accept the data; right, Mr. Wade?
I'm showing you Government 163E, which is an Excel
file. Do you see that?
A.
Okay.
Q.
So this is Excel. This isn't a Verizon record; correct?
A.
Okay.
Q.
Do you see Column A where it says "identifier"?
A.
Yes, sir.
Q.
Do you see your cell phone number in every single one of
those rows?
A.
That's not what I -- that's not the statement --
Q.
Well, I'm asking that question. Do you see your cell
phone there?
A.
No, sir.
Q.
You don't see your cell phone number?
A.
Well, I see my cell phone --
Q.
That's my question. Do you see your cell phone number?
A.
Yes, sir.
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Q.
The line?
A.
Yes, sir.
Q.
Right.
You don't see your email address there, do you?
A.
No, sir.
Q.
Do you remember the testimony that the identifier captures
either the place where the code was sent -- either a cell
phone number or an email address. Do you remember that?
A.
I don't remember that, but if you say that -- go ahead.
Q.
All right. Let's go back to Government 1000. We were on
slide 38, which you said was you logging in; correct?
A.
Yes, sir.
Q.
Now we'll go to slide 62, which is a login attempt on
July 26, 2021, and you, Mr. Wade, logged in then at 5:56 PM
Eastern; correct?
A.
Yes, sir.
Q.
So I can go back, if you want to count them, but -- or you
can -- if you want to count them, you're free to, but I
counted 17 successful logins by you, Tracy Wade, into your PPP
loan application on Womply's website between May 4, 2021, and
July 26, 2021.
MR. MCCRAY: Objection, Judge. There's no question.
BY MR. SNIDER:
Q.
Is that right?
THE COURT: What is the question?
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BY MR. SNIDER:
Q.
Does that seem right to you, 17 logins?
A.
Was I logging in? What was I doing in these logins?
Q.
That's not my question.
Did you log in 17 times between May 4, 2021, and
July 26, 2021?
A.
Where do you show me logging in at?
Q.
I'm sorry?
A.
Yeah, it shows me logging in.
Q.
17 times?
A.
Yes.
Q.
And Haydee Rivero was the person who uploaded your
Schedule C; correct?
A.
That's what she testified to.
Q.
Well, do you not know that?
A.
The answer is yes.
Q.
Yes, she did do that. She uploaded your Schedule C.
And many of these logins that we just looked at were
after Ms. Rivero uploaded the Schedule C into your
application; correct?
A.
Correct. I'm not sure to testify to that, unless you want
to go through every line and tell me what she did she did and
what I did I did.
Q.
I show her uploading it -- and we can take a look at it --
she did it actually a few times -- but May 6, 2021 -- there
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was more than one -- between 2:32 and -- well, it's tough
because of the conversions, but I've converted it.
So between May 5 at 10:32 PM to May 6 at 10:30 AM is
when she, according to the data, uploaded a Schedule C for
you.
MR. MCCRAY: Objection, Judge. That's not a
question.
THE COURT: Well --
MR. MCCRAY: Form.
THE COURT: -- is this a summary witness -- I mean, a
summary exhibit that you're referencing?
MR. SNIDER: It's in the summary exhibit. I'm
asking --
THE COURT: All right. So you're going to have to
ask the question as if it's directed to the actual exhibit.
BY MR. SNIDER:
Q.
We're looking at the events tab from Government
Exhibit 163E. Do you see that? Do you see that, sir?
A.
Yes, sir.
Q.
And we can see here that if you look at the time stamp,
which is in UTC -- right? -- and then the event type where it
says "event file upload," these are file uploads that are
going up at that date and time; correct?
A.
Okay.
Q.
Is that what the data shows?
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A.
That's what it says on the screen.
Q.
Okay. And these uploads are files that are named Tracy
Wade.pdf; correct?
A.
Yes, it is.
Q.
And you don't have an iPhone; right?
A.
Now I do.
Q.
Let's just stick with the time period here.
A.
Okay.
Q.
We are in May of 2021. Did you have an iPhone then?
A.
No, sir.
Q.
And this is an iPhone that's uploading these. So you
accept that that is Ms. Granados, now Ms. Rivero, uploading
your Schedule C into your application on or about May 6, 2021?
A.
I can't confirm that because it just says "file upload."
So I don't know if she's uploading that Schedule C or some
other application documents with this. I don't know what
she's uploading.
Q.
But let's get back to my earlier question.
You logged in, based on what we just looked at,
multiple times after this date. Yes?
A.
Okay. Yes.
Q.
So 17 logins, many of which were after the Schedule C was
uploaded; correct?
A.
Correct.
Q.
And it's your testimony --
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A.
Well, I don't know -- I don't know if that's correct.
You're telling me. I don't know.
Q.
Well, that's what the data shows. Do you have any reason
to doubt the data?
A.
I see two -- when looking on here, it says two -- after
her, it's only two logins.
Q.
Well, we're not looking at the logins. These are just the
events. You have to go to look at this screen.
A.
Oh, okay.
Q.
So between the events, the uploads here and the logins,
you agree that you logged in after Ms. Rivero had uploaded
your Schedule C. Yes?
A.
Yes, sir.
Q.
And it's your testimony to this jury that in those 17
times that you logged in, some of which were after she
uploaded the Schedule C, you had no idea there was false
information in your PPP loan application?
A.
That is absolutely what I'm testifying to.
Q.
You didn't see a business name named Tracy Wade?
A.
No, sir.
Q.
You didn't see a date of establishment of 2011? You
didn't see a d/b/a? You didn't see any of the false
information? 17 logins.
A.
No, sir. No, sir.
Q.
Now, you said, I think a couple minutes ago, that you
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weren't sure what you were doing when you logged in. You may
have just logged in. You may have done something else;
correct?
A.
Yes, sir.
Q.
And, in fact, you did do more on some occasions than just
log in; right?
A.
Yes, sir.
Q.
You uploaded documents like a bank statement; right?
A.
Yes, sir.
Q.
You linked your bank account, meaning putting in the
routing number and account number for your personal joint
account with Ms. Wade; right?
A.
That was given to the Riveros initially and then they got
the business bank account. So they had all the documents from
the beginning.
Q.
Just listen to the question, sir.
A.
No, I hear you.
Q.
Did you link your bank account on Womply's website?
A.
Yes.
Q.
Yeah.
And what you put in -- when you linked it it was the
account to which the money was sent?
A.
For --
Q.
For your PPP loan.
A.
I'm not sure if I did that or not.
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Q.
You're not sure. Okay.
A.
If I did I did. I'm not sure.
Q.
These are two uploaded events on May 4, 2021, and that's
you conducting this activity from the Wade Funeral Home;
correct?
A.
Yes, it is.
Q.
And this event type is file upload. Yes?
A.
Yes, it is.
Q.
And those file names, red ribbon.pdf and black.pdf, those
are the files you uploaded; right?
A.
Okay.
Q.
Well, do you have any reason to doubt this data?
A.
No, sir.
Q.
And slide six, these are additional events to your PPP
application on May 5, 2021, and the ones that are highlighted
are you conducting those events; correct?
A.
Correct.
Q.
That is file upload, and the first line that is
highlighted. Yes?
A.
Okay.
Q.
And the file that you uploaded is a Four Star checking
7309.pdf. Do you see that?
A.
Okay.
Q.
Well, do you see it?
A.
Yes, sir.
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Q.
And that's what the data shows?
A.
That's what the data shows.
Q.
And you've testified now that you have no reason to doubt
this data; correct?
A.
That's what it says.
Q.
Okay. And below that, a bank account was linked. Yes?
A.
Yes.
Q.
Okay. And that's you conducting that transaction. Yes?
A.
Yes.
Q.
So those are the events that occurred -- when I say an
event, it is either an upload or a link; correct?
A.
Yes.
Q.
And we've just looked at four that you did. Yes?
A.
Yes, sir.
Q.
And it's your testimony that during those four events, you
had no idea about any of the false information in this PPP
loan application; correct? That's your testimony?
A.
Do you want to ask that question again?
Q.
Sure.
We talked about the logins first. Now we're talking
about the events -- these four events that you did. It's your
testimony that during these four events you didn't see any
information that you knew to be false?
A.
No, sir. I uploaded accurate -- accurate bank documents.
Nothing was altered.
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Q.
I'm not saying that. I'm just saying about what you
saw --
A.
No, I didn't see anything.
Q.
Let's take a look now, then, at the changes that you made
to your application because you did type in some information
yourself; correct?
A.
I typed in some, yes.
Q.
Okay. These are two transactions that you conducted. The
zero indicates, as you know from the testimony of Mr. Thakral,
that you started this; right? Mr. Wade, these are two
transactions that you conducted. Yes?
A.
Okay.
Q.
Well, you're saying okay. That's what the data shows.
Yes?
A.
Yes.
Q.
Okay. And one of those transactions where there's a zero
is you starting this application; correct?
A.
Yes.
Q.
And what is highlighted here on slide seven are five
transactions that you, Mr. Wade, conducted in your PPP loan
application. Yes?
A.
Yes.
Q.
You're using Verizon Wireless to do that. Yes? I'm
sorry. I didn't hear the answer.
A.
Yes.
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Q.
And one of those transactions is a change to -- it's hard
to see. I'm going to make it a little bit easier. I'm
looking at the transaction where it says "funding source.ACH
version." Do you see that?
A.
Okay.
Q.
Do you see that on your screen?
A.
Yes, I see it.
Q.
Okay. And that was the part of the application where the
change was made, the funding source; correct?
A.
Okay.
Q.
That's what the data shows?
A.
Yes.
Q.
Okay. And we're looking now at a Womply document that's
in evidence, Government Exhibit 155. Do you see that?
A.
Yes, sir.
Q.
What does it say at the top?
A.
Funding instructions.
Q.
Okay. And these are the instructions, the account number
and the routing number that you put in so Womply would know
where to send the money. Yes?
A.
Okay. If those are my account numbers, yes.
Q.
You don't know if those are your account numbers?
A.
I don't know them by memory, but if you say that's the
account number, yes.
Q.
What does this account number end in?
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A.
7309.
Q.
Okay. And what does this account number end in?
A.
7309.
Q.
The same number, yes?
A.
Yes, it is.
Q.
So that's the checking account to which -- that you put in
so you could -- so Womply would know where to send the money.
Yes?
A.
Yes.
Q.
That wasn't something that Ms. Rivero did. You put in
where to send the money and you didn't put in Wade Funeral
Home, did you -- the account for Wade Funeral Home?
A.
Well, evidently that was inaccurately put in if I put it
in.
Q.
I'm sorry?
A.
Evidently that was inaccurately put in if it was put in.
Q.
What do you mean? You just said you put it in. Put in
this --
A.
Because I would not have been putting in my business
account information -- my personal information into a business
loan.
Q.
So what are you saying? You put in the wrong number?
A.
Well, my computer probably -- maybe it self-populated it.
Q.
Oh, it self-populated. Oh, that's what happened.
A.
I don't know.
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Q.
Explain that. What's that process like?
A.
Sir, I can't give you the explanation. It's there. I
agree with you --
Q.
Are you just guessing now?
A.
No, I'm not guessing.
THE COURT: One moment. One at a time, please.
THE WITNESS: I'm not guessing.
BY MR. SNIDER:
Q.
You put in for a receipt of the money, where it should go,
your checking account at USAA Savings Bank ending in 7309,
which is a joint account that you held with Carolyn Wade.
Yes?
A.
That's what the record shows.
Q.
We're back now looking at the demonstrative slide. We're
on page 11, and we're looking at transactions which were done
on May 6, 2021. Do you see that?
A.
Yes, sir.
Q.
There's six transactions that are highlighted. Yes?
A.
Yes, sir.
Q.
And those are transactions that you, Mr. Wade, conducted
in your own PPP loan application on Womply's website. Yes?
A.
What transactions?
Q.
Are those transactions that occurred by you on Womply's
website? I'll show you what they are in a moment but --
A.
Yes, sir.
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Q.
But is that what you're seeing?
A.
Yes, sir.
THE COURT: Let me stop you there, Counsel. We're
going to have our afternoon break at this time. We are in
recess.
(Jury exited at 2:59 PM.)
THE COURT: We are in recess.
(Recess from 3:00 PM to 3:21 PM.)
THE COURT: Please continue.
BY MR. SNIDER:
Q.
Mr. Wade, before the break, we were looking at the
modifications to the Tracy Wade PPP loan application that you
yourself had conducted on the Womply website; correct?
A.
Yes, sir.
Q.
All right. And we looked at slides 2, 7, and 11; correct?
A.
Yes, sir.
Q.
And on those slides, there show 13 different transactions
that you yourself had conducted on the Womply website in your
own PPP loan application; correct?
A.
Yes, sir.
Q.
One of those transactions, Mr. Wade, was you putting in as
the business name Tracy Wade; correct?
A.
I'm not aware of that, sir.
Q.
You're not aware of you starting the application and being
asked what the business legal name was and putting in Tracy
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Wade?
A.
No, I'm not aware, sir.
Q.
But you never put in Wade Funeral Home, did you?
A.
I don't recall what I put in, but I would never put a
business named Tracy Wade.
Q.
You would never do that?
A.
There's no business named Tracy Wade.
Q.
Of course there's not, but the data shows that you did
that; right?
A.
Yes, sir.
Q.
The data shows, and the data isn't wrong; right?
A.
Well, I don't know what action was being taken when I was
in the portal.
Q.
I'm sorry?
A.
I don't know which action was being taken that you're
referring to.
Q.
I'm referring to the entry "Tracy Wade" into Womply's
portal where it said, "What is the business name?"
A.
I don't recall. I know I put my initial information in,
the email address, and my phone number, whatever it took to
get the code.
Q.
Okay. But there was a step that said, "What is the
business name?" And the answer that was put in was "Tracy
Wade." Yes?
A.
I don't remember that.
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Q.
You don't remember that?
A.
No.
Q.
But if the IP address shows that that information, Tracy
Wade, went into the application from the 166 IP address, it
was coming from Wade Funeral Home; correct?
A.
Yes, that's the Wade Funeral Home IP.
Q.
And you're the only one at Wade Funeral Home who was
accessing this PPP loan application for yourself; correct?
A.
Yes.
Q.
So you would agree, then, if the IP address shows 166 for
that piece of information, Tracy Wade as a business name, that
was you putting that in?
A.
I probably put my name in in reference to being associated
with the business.
Q.
Associated with the business Tracy Wade?
A.
I put the preliminary information in to get the passcode.
So I don't recall what the preliminary information is.
Q.
During the break, Mr. Wade, I went ahead and opened up
Government 164, which is one of the exhibits that is in
evidence, and I just highlighted some of the IP addresses that
were used to put in information. And the first IP address for
the first line of information put into this is the 166. Yes?
A.
Yes, sir.
Q.
And the second one is the 166?
A.
Yes, sir.
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Q.
And the information is being transmitted to Womply from
that address -- that is you, sir -- was you putting it in
Womply's portal. Yes?
A.
The entry information, yes.
Q.
I'm sorry?
A.
The entry information, yes, sir.
Q.
The entry information?
A.
Whatever it took to start the application.
Q.
Right.
Including the business name Tracy Wade?
A.
I would never have referred to it as Tracy Wade because
there's no business --
Q.
But that's what the data shows. Yes?
A.
Yes. It's highlighted.
Q.
I highlighted it, just so you're clear, because the IP
address we're scrolling over in column W is the IP address for
the Wade Funeral Home. And I've highlighted the other
transactions, which are also from IP addresses that you said
were Verizon and you were a Verizon customer -- we've gone
over those because those are in slides 2, 7, and 11. You've
already testified that that was you, so we don't need to go
over that again.
There was another component of the application
process that you did yourself, and that was to take pictures
of yourself to verify your identity; right?
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A.
Yes, sir.
Q.
I'm publishing for you Government Exhibit 156, page 8.
And the other component of that verification was to
upload a picture of your driver's license. Yes?
A.
Yes, sir.
Q.
And that's you, sir, holding your driver's license, the
front and back -- your Florida Driver's License?
A.
Yes, sir.
Q.
And you uploaded those pictures?
A.
Yes, sir.
Q.
Not Haydee Rivero; correct?
A.
Correct.
Q.
And not Mr. Rivero -- correct? --
A.
Correct.
Q.
-- who you testified doesn't even know how to use a
computer; right?
A.
I didn't testify to that.
Q.
You didn't testify to that?
A.
No, sir.
Q.
You didn't testify that he, to your knowledge, is not good
with computers? You didn't say that about, I don't know, an
hour ago?
A.
I said that Ms. Rivero handled all the administrative
duties, and he didn't pretty much --
THE COURT: I'm sorry. Can you speak a little --
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BY MR. SNIDER:
Q.
Speak into the microphone.
A.
He said that his wife, Haydee, handled all of their
administrative duties at the funeral home. The documentations
that went through the computer -- I don't recall exactly how I
said it -- but he didn't pretty much handle anything with the
computer.
Q.
To your knowledge, is Mr. Rivero computer savvy? Can he
use computers well? You know or you don't know?
A.
I really don't know if he's computer --
Q.
You don't know, okay. Let's go back to 156, which is on
your screen.
So that was you uploading pictures of your driver's
license. And if we go to page 6, that's you taking three
photographs of yourself; correct?
A.
Yes, sir.
Q.
And you used your cell phone that you had at the time, the
Samsung Galaxy S21, to do so; correct?
A.
Yes, sir.
Q.
And you had to take these pictures more than once because
it didn't work the first time; correct?
A.
Yes, sir.
Q.
So now we're on page 7 of Government 156. That's you
taking the second set of photographs of yourself to verify
your identity for your PPP loan application; correct?
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A.
Yes, sir.
Q.
That's not something that Ms. Rivero did for you; correct?
A.
No, sir.
Q.
You didn't go to her house to have pictures of yourself
taken?
A.
No, sir.
Q.
Here you are in your funeral home taking pictures of
yourself for your own PPP loan application; correct? I'll
make it bigger if you need to see.
Are you at work there, sir?
A.
I don't think that's the funeral home.
Q.
You don't?
A.
No.
Q.
Where do you think that is?
A.
I'm not sure.
Q.
What are you wearing?
A.
I'm wearing scrubs.
Q.
Where do you wear scrubs?
A.
At the funeral home, but I don't have a camera in the
ceiling like that.
Q.
Okay. You're wearing your work scrubs but you're not
quite sure where you are?
A.
Correct.
Q.
Is that what you're saying?
A.
Yes.
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Q.
You took these pictures of yourself using your cell phone?
A.
Yes, sir.
Q.
So we've looked at, just now, 17 instances of Tracy Wade
logging into his own PPP loan application; correct?
A.
Yes, sir.
Q.
We've looked at Tracy Wade uploading four documents into
his PPP loan application; correct?
A.
Yes, sir.
Q.
We've looked at 13 instances of Tracy Wade making changes
to his own PPP loan application; correct?
A.
Yes, sir.
Q.
We've looked at Tracy Wade taking six selfies of himself
for his own PPP loan application; correct?
A.
Yes, sir.
Q.
And we've looked at Tracy Wade uploading two copies -- or
two pictures, front and back of his driver's license, to
verify his identity; correct?
A.
Yes, sir.
Q.
And it is your sworn testimony to this jury that in those
17 logins, four uploads, 13 modifications, six selfies, and
two uploads of a driver's license, you had no idea -- in your
words, not an inkling there was any false information in your
PPP loan application?
A.
Absolutely not.
Q.
Even though the data shows that you were the one that
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wrote Tracy Wade as the business legal name?
A.
Okay. It says -- I didn't see that.
Q.
You didn't see it. So you typed it without seeing it, is
that what you're saying?
A.
What you showed me was that I started the application.
You didn't show me what I actually typed in when I started.
Q.
Well, the name "Tracy Wade" didn't just appear out of
nowhere -- right? -- as far as the business legal name?
A.
No, it didn't appear out of nowhere.
Q.
In fact, that record I just showed you showed that it was
entered from an IP address ending in 166, which we're all now
clear was the IP address for the Wade Funeral Home?
A.
I'm unclear of showing it -- saying Tracy Wade being
entered. That's what I'm telling you. I'm not sure if Tracy
Wade was entered.
Q.
But we looked at the first line of data. Yes?
A.
Yes, we did.
Q.
And in that first line, which was associated with the 166
IP address, the name "Tracy Wade" as the business legal name
appeared. Yes?
A.
Yes, if that's what it says.
Q.
Well, that's what it showed. Did you not see it?
A.
Actually, no.
Q.
Now, this Persona component of this and the uploads that
occurred and the starting of the application, all of which you
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just testified you did, that was even before anything was
signed; right?
A.
Yes.
Q.
Okay. Because once that part was done, there was a
signing component in order get a PPP loan; right?
A.
Yes, sir.
Q.
And that was done by DocuSign?
A.
Yes, sir.
Q.
And you, sir, DocuSigned not one, not two, but three SBA
Form 2483 Paycheck Protection Program applications. Yes?
A.
I don't know if that was considered an application, but
yes, I signed the DocuSign.
Q.
Well, do you remember the document, when we looked at it
and I asked you a few minutes ago to read from the top and it
said PPP application? Do you remember that, the borrower
application?
A.
Yes.
Q.
We're going to look at it, but that's the one you signed
three times?
A.
That's not what's shown on DocuSign.
Q.
That's not what's shown on DocuSign?
A.
No, sir.
Q.
Right. We'll go through it. We'll go through it.
There was three of them. Yes?
A.
Whatever the number for DocuSign, yes.
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Q.
I'm sorry. I don't want to keep going back and forth. I
actually can't hear you. If you don't mind -- I'm not trying
to be difficult -- just pull it a little closer. I'm having
trouble hearing you.
A.
So whatever the number of pages that were associated with
the DocuSign, yes.
Q.
You signed three different PPP applications. Yes?
A.
Yes.
Q.
And they all had the same information in them. That's the
first thing we went over when I began my examination. Yes?
A.
Yes.
Q.
Okay. And here's the first one, Government Exhibit 157,
has a DocuSign envelope ID ending in D98B, which means it was
DocuSigned; correct? Is that a "yes," sir? If you're saying
it, I can't hear you.
A.
You're asking me is this --
Q.
Which means it was DocuSigned.
A.
The application itself, yes.
Q.
Okay. Thank you.
And moving to page 2 of Government 157, we begin to
see some initials that are on here through the DocuSign
signing process. Yes?
A.
Yes.
Q.
And those initials are TW; correct?
A.
Yes, sir.
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Q.
Those are your initials and you put these here. Yes?
A.
That's TW. Yes.
Q.
And you put them here?
A.
Yes.
Q.
So that's two initials.
And now we're going to move to page 3, and there's
nine initials on this page. Yes?
A.
Yes.
Q.
And they're "TW" in each instance?
A.
Yes.
Q.
And you put them there?
A.
Yes, sir.
Q.
Okay. And certainly when you put them there, you could
see what you were initialling; correct?
A.
The writing that's on the side of what I'm initialling,
yes.
Q.
Yes.
DocuSign doesn't have you initial something in the
dark or --
THE COURT: Sir, just ask your question and let's
move along, please.
BY MR. SNIDER:
Q.
So DocuSign doesn't have you initial something that you
can't see; correct?
A.
What I -- what the initials are by is what I was
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initialling.
Q.
Okay. So this one, the last one, where it says, "I
further certify that the information provided in this
application and the information provided in all supporting
documents and forms is true and accurate in all material
respects."
You saw that when you put your initials on it. Yes?
A.
Yes.
Q.
And on this last page 4 of Government 157, there's one
more initial; correct?
A.
Yes, it is.
Q.
And there's a signature there; correct?
A.
Yes, sir.
Q.
And that is you putting that signature on there either
initialling or selecting your signature; correct?
A.
Yes, sir.
Q.
I am pulling up 157.1 because the certificate for this one
is on a separate exhibit. This is the certificate of
completion memorializing the signing event that you just
testified you completed; correct?
A.
Yes, it does.
Q.
And there it is with respect to the signing events. This
was sent to your email address in order for you to begin the
signing process; correct?
A.
Yes, it does.
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Q.
And it shows that you signed it using what we know from
Government Exhibit 805 is a Verizon Wireless IP address;
correct?
A.
Yes, sir.
Q.
And it shows the times that it was sent, resent, viewed,
and ultimately signed by you; correct?
A.
Yes, sir.
Q.
Let's pull up Government 158. This is the second Paycheck
Protection Program borrower application form for Schedule C
filers, which has another DocuSign envelope ID. Yes?
A.
Yes.
Q.
This one ends in 596E. Yes?
A.
Yes.
Q.
And moving on to page 2. There's two initials there, TW,
and you put those there; correct?
A.
Yes.
Q.
And now on page 3, nine initials there. You put those
there; correct?
A.
Yes, sir.
Q.
Including the last one, where it says that you certify
that all the information is true, including all supporting
documents; correct?
A.
Yes, sir.
Q.
And on page 4, another initial and, again, your same
DocuSign signature; correct?
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A.
Yes, sir.
Q.
You signed this one. And if we go to page 9, we see the
certificate of completion for that signing event that you just
testified was yours; correct?
A.
Correct.
Q.
This went to your email address, signed by you. You used
a Verizon Wireless IP address to conduct this online activity,
and it has the time when it was sent, viewed, and signed by
you. Yes?
A.
Yes, sir.
Q.
And one last one. Government Exhibit 159 is yet another
Paycheck Protection Program borrower application form that
you, sir, Tracy Wade, signed and initialled via DocuSign;
correct?
A.
Correct.
Q.
And this one, for the record, has a DocuSign envelope ID
ending in BBBC.
And if we go to page 2, two sets of initials on
page 2?
A.
Yes, sir.
Q.
Those are yours and you put them there?
A.
Yes, sir.
Q.
And on page 3, nine sets of initials that are all yours
and that you put there; correct?
A.
Yes, sir.
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Q.
Including the last one where you certified that all the
information was true and correct in all material respects,
including in the supporting documents?
A.
Yes, sir.
Q.
And on page 4, another initial and signature by you, Tracy
Wade; correct?
A.
Yes, sir.
Q.
And the certificate of completion for this one is on
page 20, which shows that you were the signer, that you signed
on Verizon Wireless's network, the documents were sent to your
email address, and it has the times it was sent, viewed, and
signed; correct?
A.
Yes, sir.
Q.
Okay. This one has two signatures. Do you see that?
A.
Yes, sir.
Q.
Because this Government 159 exhibit actually had the note
for your PPP application; correct?
A.
I don't know.
Q.
You don't know? Sure. Let me help you out.
We're on page 9 of Government 159. Do you see that?
A.
Yes.
Q.
Do you see where it says "note" at the top?
A.
Yes.
Q.
So this is the note for the loan, the Paycheck Protection
Program loan that you received, the promissory note. Yes?
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A.
Yes, sir.
Q.
Which required an additional signature as opposed to the
other -- first two applications, which did not have a note
attached to them because they needed to go to another lender;
right?
A.
Yes, sir.
Q.
Okay. So three PPP applications, each signed three times,
one of which had a note also signed, and it is your testimony
that you had no idea, not an inkling that there was any false
information in any of those three PPP loan applications?
A.
No, sir. As I look at the note -- I just paid attention
to it. It says "SBA loan." For me to see my name, "Tracy
Wade," associated with anything with reference to Wade Funeral
Home would not alarm me because I am Wade Funeral Home. So
just because I seen the 20,833 -- that was the loan and my
name associated with the loan because as a guarantee, I have
to --
Q.
So you read the note --
A.
No, I just --
Q.
-- is that what you're saying?
A.
I just read it just now.
Q.
Oh, you read it just now.
So when you signed it, you didn't read it?
A.
No, sir.
Q.
Okay.
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A.
It was --
Q.
Is that what you do? You sign promissory notes obligating
yourself to pay money without reading them?
MR. MCCRAY: Objection. Form and argument.
THE COURT: One at a time, Mr. Snider. So when he's
answering, you have to wait and ask the next question.
MR. SNIDER: Sorry. I apologize. I'll slow down.
There's no need to rush this.
BY MR. SNIDER:
Q.
Is that what you do, sir? When you're obligating yourself
to pay money for a loan, you don't read documents?
A.
When it came to this loan, based on how it was done and
the circumstances surrounding this loan, I saw nothing
alarming, nothing fraudulent. The documentation that I saw
when it said it was 20,833, I was under the assumption that's
what I was going to get for the PPP application and that was
it.
Q.
Right.
A.
Seeing my name on this application did not alarm me. I
just glanced at it, signed it, and that was that.
Q.
Right.
So it didn't alarm you that the front page of this
application -- and three of them -- said that the business
legal name was Tracy Wade and that the total amount of income
for that business was $112,430 coming from a Schedule C, which
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you testified you didn't even know what it was? That didn't
alarm you?
MR. MCCRAY: Objection. Asked and answered.
Objection. Asked and answered.
THE COURT: The last time, sir, Mr. Snider.
BY MR. SNIDER:
Q.
You didn't -- this is the first page.
A.
Again, when you DocuSign, this document never shows up.
Q.
Okay. So you just ignored the first page. Is that what
you're saying?
A.
It never showed up.
Q.
Three times?
A.
Each DocuSign, it never showed up. It never shows.
Q.
Is it your testimony that DocuSign, when they sent you
this application to sign, didn't include the first page? Is
that what you're telling this jury?
A.
What I'm saying to you, Mr. Snider, when you click on the
link for DocuSign, it sends you straight to where you need to
adapt your signature and begin to sign.
Q.
So you just ignored the first page is what you're saying?
A.
There was no first page.
MR. MCCRAY: Objection. Asked and answered, Judge.
THE COURT: Sustained.
BY MR. SNIDER:
Q.
And how about the 36 initials that you put on, total?
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A.
I initialled it.
Q.
36 times?
A.
I initialled it.
Q.
36 times; correct?
A.
Yes, I initialled it.
Q.
And in the 36 initials that you put on, you didn't happen
to see that the business legal name was not Wade Funeral Home?
A.
There was nothing for me to see that said that the
business was not listed under Wade Funeral Home -- nothing
that I saw.
Q.
And in the 36 times that you put your initials --
A.
If you want.
Q.
-- you never saw --
A.
If you want to pull it back up and show me, then.
Q.
When you finished signing the PPP loan application in
Government 157, that was emailed to you, wasn't it?
A.
I'm not sure of what loan we're talking about. All of
them were emailed.
Q.
Well, how many loans did you get?
A.
Two.
Q.
Two loans?
A.
Yes, sir.
Q.
How much was each one?
A.
20,833.
Q.
So you actually got two different PPP loans?
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A.
Yes, sir.
Q.
But with respect to the one that we're talking about here,
these three PPP applications in Government 157, 158, 159,
which we've looked at now several times, that was all for this
first one you got?
A.
If you say so.
Q.
Well, 157, do you see that one?
A.
Yes, sir.
Q.
Okay. And you've already testified that you signed this
one and initialed it. If you look at Government
Exhibit 157.2, this is the history of all of the events that
occurred with DocuSign with respect to this PPP loan
application; correct?
A.
Yes, sir.
Q.
And it says here, on May 18, 2021, a printable copy was
delivered. I'm looking -- sorry. "Tracy Wade, May 18, 2021.
The user Tracy Wade received a copy of the envelope archive."
So you got the entire package you had signed emailed
to you on May 18?
A.
Okay. I may have. I may have not --
Q.
Well, that's what the data shows.
A.
It shows it was sent to me.
Q.
Correct.
A.
Okay.
Q.
You never opened it?
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A.
I never opened it, never printed it.
Q.
Okay. And when it was sent again on May 19, didn't open
that one either?
A.
No, sir.
Q.
So in addition to signing all those times and initialling
and going through the whole process three times, two copies
actually get sent to you and it's your testimony you never
opened them?
A.
I do that quite often.
Q.
Oh. For loans?
A.
Yes, I have.
Q.
So you just don't -- you don't read your papers, is that
what you're saying, as a businessman who owns Wade Funeral
Home and has for 14 years?
A.
Well, for example, if I sit down -- I just did a lease --
if I sit down and we do a lease contract for a vehicle and
I've done it with someone that I've done business with over
the years and then I sit down with the loan officer, I don't
have to go back and read every line and check everything
that -- we made an agreement. I've done business with you.
I've trusted you with my business. No, I do not.
Q.
But that's not what happened here. You hadn't gotten a
PPP loan before. You hadn't done business with the SBA that's
related to the PPP program; correct?
A.
But I had done --
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Q.
So we're talking about two different things.
THE COURT: One moment. One moment. One at a time,
please, gentlemen.
BY MR. SNIDER:
Q.
What you just described with respect to your business and
Wade Funeral Home and doing business with others, that's not
at all what we're talking about as it pertains to the PPP
loan, is it?
A.
Somewhat.
Q.
Somewhat.
A.
Yes.
Q.
Now, the forgiveness application, that was a separate
process; correct?
A.
Yes, sir.
Q.
You testified on direct examination that it was automatic,
I believe; right?
A.
Yes, sir.
Q.
But it required you, nonetheless, to review and sign and
initial a separate application; correct?
A.
Yes, sir.
Q.
And you did that?
A.
Yes, sir.
Q.
And that application, unlike the ones we just looked at in
157, 158, 159, that was only one page?
A.
I don't know that.
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Q.
You don't know that? Well, let's take a look at it. It's
Government Exhibit 160.
When I say one page, I should be -- let me be a
little clearer. The page that had your two initials and
signature was the first page of the document; correct?
A.
Correct.
Q.
We're looking now at Government Exhibit 160 and this is,
sir, your forgiveness application for your Paycheck Protection
Program loan; correct?
A.
Correct.
Q.
Okay. And you initialed this one twice. Yes?
A.
I don't believe I did the PPP forgiveness aspect of it.
Q.
You don't believe you did it?
A.
No, because I forwarded it to Haydee Granados. I
forwarded the DocuSign to her.
Q.
You know that Haydee Granados doesn't have Verizon
Wireless; right?
A.
It came to me and I forwarded it to her through my email.
Q.
You heard her testify here; correct?
A.
Yes.
Q.
She said she's never had Verizon; correct?
A.
No.
Q.
No, you didn't hear her say that?
A.
No, she doesn't have Verizon. We did.
Q.
Right.
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And AT&T. You actually -- is that your memory, sir?
Your memory is that Haydee Granados signed this for you?
A.
If you look at the signature at the bottom, it says Trace.
I know for a fact I forwarded the forgiveness over to her
because I was advised when you get notification for the
forgiveness to please send it over to me so that therefore I
can look it over and make sure that everything was accurately
done.
Q.
Well, let's take a look at -- before we get into the
signing, let's take a look at the top here. Business legal
name Tracy Wade. You've testified before that that's false;
correct? There's no business named Tracy Wade; right?
A.
Okay.
Q.
Tracy Wade is not a doing business as name; correct?
A.
No, sir.
Q.
Right.
And the address here is the same one that was on the
three PPP loan applications, and that's for your funeral home,
not for the business name Tracy Wade?
A.
That's correct.
Q.
So you agree with me that this is at least three pieces of
false information right at the top of this form?
A.
Yes, sir.
Q.
And this section here, this just has the loan amount that
was disbursed and the date of the disbursement; correct?
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A.
Yes, sir.
Q.
You got the loan. There's no dispute about that; right?
Right?
A.
Yes, sir.
Q.
There's a section here about employees at the time of the
loan application. It says ten. That's not what the original
application said, though; right?
A.
I didn't do the original application. I didn't input the
employees. I didn't do the original application. And I
didn't input the employees here.
Q.
You didn't do that either?
A.
No, sir.
Q.
And you don't have ten employees, do you?
A.
At times I have more than ten. It all depends.
Q.
It all depends --
A.
It fluctuates.
Q.
What?
A.
It fluctuates.
Q.
And when I say employees, sir, I'm not referring to
independent contractors that were vendors that do business and
then you pay as 1099s because that's not an employee; right?
A.
Well, then if you want to say that, then no, there were no
employees but myself.
Q.
So everyone else that works for Wade Funeral Home does so
on an independent contractor basis, not as W-2 employees at
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Wade Funeral Home; right?
A.
Yes, sir.
Q.
So just so we're clear, this information is not correct,
the ten here?
A.
It's not correct.
Q.
And the amount spent on payroll costs, 20,833, that's also
false; correct?
A.
The amount spent on payroll?
Q.
Correct.
A.
I wouldn't say that's false.
Q.
It is false?
A.
I wouldn't say that's false. When you say payroll, are we
referring to my 1099 workers or laborers, or what are we
referring to? Because that's what I referred it to.
Q.
Well, we looked at those checks. You didn't spend $20,000
in those checks to your employees?
A.
I put those checks in Wade Funeral Home's bank account.
Q.
Yeah. It wasn't $20,000, though.
A.
Because it was the total amount minus what we paid Haydee
Granados and her husband, Eduardo.
Q.
We'll get to that in a second. We'll get to that later.
So the initials here, "borrower has complied with all
requirements in the Paycheck Protection Program rules" -- do
you see that initialled? Do you see that initialled?
A.
Yes, sir.
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Q.
With TW?
A.
Yes, sir.
Q.
And then the information provided in this application is
true and correct in all material respects. That's also
initialed by TW?
A.
Yes, sir.
Q.
Through DocuSign?
A.
I'm not sure if I DocuSigned that.
Q.
You're not sure?
A.
Yeah.
Q.
Do you see the IP address there that was used to DocuSign
it?
A.
Yes, sir.
Q.
Why don't you just go ahead and read that number.
A.
It ends in 84.
Q.
Okay. And 107.131.161.84; correct?
A.
Yes, sir.
Q.
All right. Well, do you see the IP address
107.131.161.84? For the record, we're looking at slide 67 of
the Government's demonstrative marked as 1000.
Do you see the IP address 107.131.161.84?
A.
Yes, sir.
Q.
That's the IP address that's assigned -- was assigned to
your home.
A.
Okay.
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Q.
You signed this at home, sir.
THE COURT: Is there a question?
BY MR. SNIDER:
Q.
Did you sign this at home?
A.
As I remember clearly, when the DocuSign came to me, I was
instructed to forward it to Ms. Granados. We're talking about
something that's four years old from now. I don't exactly
remember the chain of events. Initially, it was forwarded to
Ms. Granados.
Q.
Well, before we go down the chain of events, let's start
at the last event, which is signing this by DocuSign with an
IP address that ends in 84. That IP address, sir, was
assigned to your home when this was executed; correct?
A.
That's what it says.
Q.
And do you have any reason to dispute the accuracy of
AT&T's record of the IP address that they provided to your
home?
A.
No, sir.
Q.
So this is you, sir, signing by DocuSign at home; correct?
A.
Just showing that it was done at the IP address at home --
at my house.
Q.
So someone else -- what are you saying, sir? Did someone
else at your home sign this for you?
A.
It says the IP address here is associated with AT&T, and
we had AT&T at that given time.
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Q.
Yes.
And that's the IP address that was used to sign this;
correct?
A.
That's what it states.
Q.
And are you saying to this jury that you didn't sign it?
A.
I just told you from my recollection of how this IP -- how
the DocuSign went from when it came in. I don't recall
signing it because --
Q.
But you agree that was it signed using your home Internet
connection. Do you agree with that?
A.
That's what it says.
THE COURT: All right, sir. I am going to stop you
there.
Can I have counsel come sidebar just so we can
discuss scheduling?
(The following proceedings were held sidebar:)
THE COURT: How much longer do you anticipate your
cross?
MR. SNIDER: Definitely an hour. If not, perhaps a
little longer.
THE COURT: Wait. You told me two hours two hours
ago.
MR. SNIDER: But we had a break too.
THE COURT: I'm not talking about the 15-minute
break.
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MR. SNIDER: What time did we start.
MR. LOVE: I don't know.
MR. SNIDER: I said that I needed at least two hours.
THE COURT: No.
MR. SNIDER: Yes, I did. Judge, you asked me --
THE COURT: I said how much longer do you think it's
going to take. I don't recall you saying I need at least two
hours. The response was two hours. What I'm trying to
suggest is you need to move along. You're asking several
questions two and three times.
MR. SNIDER: I will speed it up.
THE COURT: You just have to ask it once and then go
to your next point.
MR. SNIDER: I think if he's not answering the
question, I need to ask it again, but I will try my best --
THE COURT: He does answer and you phrase it a
different way as to give it more emphasis. You can do that
during your closing argument.
MR. SNIDER: All right.
THE COURT: All right?
MR. SNIDER: We're done with his -- we're going to go
to a new topic now. Are we done for the day.
THE COURT: Yes. It's 4 o'clock. It's after 4:00.
MR. SNIDER: Your Honor, when the Court asked me how
much two days ago --
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THE COURT: How much longer do you think your cross
is going to take?
MR. SNIDER: I need an hour.
THE COURT: And how long do you think your redirect
will be?
MR. MCCRAY: Probably 20 minutes, at best.
THE COURT: All right. We're going to have our
charge conference this evening.
MR. SNIDER: Okay.
THE COURT: And -- all right.
Defense, is this your last witness?
MR. MCCRAY: Yes, Judge.
(The following proceedings were held in open court:)
THE COURT: Ladies and gentlemen, we are going to
start tomorrow morning at 9:30. I expect that we will have
the evidence completed by 10:40.
We're going to have our charge conference this
evening after you depart. So we'll have that resolved. And
I'll try to get as much of our argument as I can today so that
we should only spend about five minutes tomorrow for motions.
I will entertain your motions in advance, so to speak, as best
we can. We want to get the case to you by lunchtime.
Now, what time is lunchtime going to be? I'm not
sure. We're going to do the best we can to get this matter to
you as early as we can tomorrow. Thank you for your patience
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and cooperation. Have a great afternoon and evening.
(Jury exited at 4:04 PM.)
THE COURT: All right. Mr. Snider, I'm just trying
to get this case moved along as best I can. And if you said
you needed at least two hours, I always hear that as two
hours, so I'd just appreciate you trying to move as best you
can as fast as you can.
MR. SNIDER: I think we will pick up the pace
tomorrow.
THE COURT: All right.
MR. SNIDER: I think with respect to the remaining
topics, I should be able to move a little bit quicker. It's
also going to be the morning, so I'll be a little fresher.
THE COURT: All right. Thank you very much.
So you may be seated. So, Counsel, let's take a look
at the draft of the instructions. These are Eleventh Circuit
pattern instructions. I am going to go through them seriatim.
MR. WILCOX: Judge, we don't have them. They were
emailed to me -- she emailed them to me.
THE COURT: Yes, you may step down. Thank you.
All right. So let's go through them again, Eleventh
Circuit pattern:
So page 1 is the general addressing the jurors;
page 2, duty to follow instructions and the presumption of
innocence; page 3, definition of reasonable doubt; page 4,
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consideration of direct and circumstantial evidence; page 5,
credibility of witnesses; page 6, impeachment of witnesses
because of inconsistent statements; page 7, persons not on
trial; page 8, note-taking; page 10, introduction to the
offense instruction -- page 9, introduction to offense
instruction; 10, Count 1; 11, Counts 2 and 3; 13, the general
conspiracy charge; 15, should include after item -- or in
Item 2 "him or herself."
I think you see only one reference for herself but
Counts 5 through 10 relate to both. So for -- attaining him
or herself or any applicants. So you can make that pen, in
ink. 16, aiding and abetting.
Let's look at 17. I'm not sure that issue has been
raised, and I don't intend to give that instruction, but if
there's some argument --
MR. SNIDER: Judge, we are not fully completed with
the testimony of Mr. Wade --
THE COURT: Yes.
MR. SNIDER: -- but I think what's in the record
right now is that Mr. Wade logged in himself 17 times, he --
to Womply's website. He made, I think, 11 or 13 separate
transactions. He uploaded documents multiple times. He
verified his identity. He signed the PPP loan application --
three PPP loan applications three separate times, signed a
forgiveness application, and the amount of -- and what's also
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in the record is that -- from Womply itself -- is that every
time you log in you can see what had been previously entered.
And what's in the record is that when you sign a DocuSign, the
whole thing is available to see, and two copies were sent to
his email.
On that record alone, Judge, for Mr. Wade to say I
didn't -- I didn't see any -- the inkling of false
information, I think there is a genuine and a legitimate basis
for the jury to find that he either knew it or deliberately
was avoiding seeing the false information as it pertains to
certainly the false statement accounts.
THE COURT: And your argument makes a point that
because of all of that, he knowingly did it. He didn't do it
indifferently. He committed the offense. That's your
position. If you look carefully at the Eleventh Circuit law
on this subject, it warns judges to be especially careful
about giving deliberate indifference instructions.
And I don't see that deliberate indifference is an
issue in this case. It was either done knowingly and
intentionally, not indifferently, and that's why I'm not going
to give this instruction.
MR. SNIDER: One more point, if I may. I agree with
the Court as it pertains to the wire fraud counts. But with
respect to the false statements the defendant knowingly
made -- I believe the element is -- the defendant knowingly
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made any false statement. I think this instruction was given
in United States versus -- am I right? -- United States versus
Alexandra Acosta, another BSO deputy that went to trial. This
charge was in her indictment, and Judge Scola gave the
deliberate ignorance instruction --
THE COURT: I don't know what the testimony was in
that case. I don't know what was said. But what I'm telling
you is that based on the testimony that this Court has heard,
that instruction would be improper --
MR. SNIDER: Okay. All right.
THE COURT: -- so that's where we are.
Page 18, testimony of accomplice or coconspirator
with plea agreement. The pattern has another issue of
codefendant, but I don't think that's appropriate. I think
this instruction covers the coconspirator and the accomplice,
Ms. Granados.
Page 19, so far, I haven't heard any character
evidence, and I believe this is the last defense witness, so I
do not intend to give the character evidence instruction.
MR. MCCRAY: Judge, we're not asking for character
witness instruction.
THE COURT: All right. Page 20, good-faith defense.
So far, I haven't heard any testimony that would raise
good-faith defense. Does anyone anticipate that coming up?
MR. MCCRAY: Judge, it would be our position that
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based upon the trust that Mr. and Mrs. Wade had with the
Riveros that we believe that there's at least --
THE COURT: That they could rely on the Riveros for a
good-faith defense? Is that the argument?
MR. MCCRAY: Well, they trusted them. They were
long-time friends, business -- not partners but they did a lot
of business together, and they made representations to them
that they believed, that they relied on in good faith.
THE COURT: All right. So far, I do not believe this
defense has been raised. But at the completion of the
testimony, you can raise the issue again. And you need to
take a look at the Eleventh Circuit pattern instructions on
this issue and what is required. And I have one case in
particular that you need to read. And we'll get that to you.
MR. LOVE: And, Your Honor, just flagging for the
Court's attention that should evidence come out going towards
the good-faith defense, it's the Government's position that it
would only apply to Counts 2 and 3, which is the wire fraud,
because those counts or that charge has an intent to defraud.
There's no intent to defraud in the false statements and
therefore the good-faith defense would not apply.
THE COURT: All right. I'll entertain that at the
same time. Let's see if it's raised. And if you all have any
cases on this issue, I'm happy to review them.
Page 23, on or about; 24, caution, punishment; 25,
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duty to deliberate; 26, an explanation of the verdict form.
Have they received the verdict form?
We're going to give you the verdict form at this
time, and it's pretty self-explanatory. If you have any
issues with the verdict form, you can advise us tomorrow after
you have an opportunity to look at the draft, which is being
given to you now.
Other than what you have already discussed, are there
requests for additional instructions?
MR. MCCRAY: Judge, I'd like to, if we could, just
for a minute go back to page 18, testimony of accomplice or
coconspirator with plea agreement.
THE COURT: All right.
MR. MCCRAY: In the second paragraph, beginning of it
where it says, "In this case, the Government has made a plea
agreement with a coconspirator in exchange for..." -- and it
goes on.
THE COURT: One moment. Let me get with you.
"In this case, the Government has made a plea
agreement with a coconspirator in exchange for her testimony."
MR. MCCRAY: Right, Judge. My concern about that, by
using the language "a coconspirator," that presupposes that
Ms. Wade and Mr. Wade are coconspirators or in a conspiracy
with Haydee Granados, and that is the issue in this case.
That has not been established beyond a reasonable doubt.
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So I think that if we put "alleged coconspirator"
that that would remedy that.
THE COURT: Well, the Government has made a plea
agreement. Are you suggesting somehow that the Government had
a plea agreement with the defendants?
MR. MCCRAY: No, Judge. It takes at least two people
to enter into a conspiracy. And the way this reads, I believe
that the jury could be confused and conclude, just based on
this, that Mr. and Mrs. Wade are the coconspirators with
Haydee Granados.
THE COURT: I don't understand that, quite frankly.
The Government has made a plea agreement with a coconspirator.
We could say they made a plea agreement with Haydee Granados,
if that's your point --
MR. MCCRAY: That would suffice, Judge.
THE COURT: Isn't that who we are referencing?
MR. SNIDER: The other way -- the indictment alleges
that she is a coconspirator. So if they want to put the word
"alleged," that's fine too.
MR. MCCRAY: Judge, I'm sorry.
MR. SNIDER: Is that what you're suggesting, the word
"alleged."
MR. MCCRAY: I would suggest and ask the Court to
just put Haydee Granados' name in there.
THE COURT: I'm sorry. I can't hear you.
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MR. MCCRAY: I would just suggest that we put
Ms. Granados' name in there instead of coconspirator. See how
the rest of it reads...
THE COURT: So the pattern makes reference to a
codefendant --
MR. SNIDER: Yes.
THE COURT: -- reading the Eleventh Circuit pattern
instruction.
Don't the facts of this case suggest that the
Government entered into a plea agreement with Haydee Granados?
MR. MCCRAY: It does -- they do, Judge.
THE COURT: Isn't that really who we're talking
about? So rather than getting into codefendant or
coconspirator, maybe we should just name her.
MR. MCCRAY: The next sentence we would have to
revise.
MR. SNIDER: I don't know if this other reference is
to a coconspirator in the instructions.
THE COURT: I'm not -- it would be in the caption and
in the first paragraph. It would be referencing Haydee
Granados.
MR. SNIDER: I would say -- you know what --
perhaps -- how about this? You could put her name -- a plea
agreement with Haydee Rivero, formerly known as Haydee
Granados, and alleged coconspirator. It's both. You can say
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who she is and that she is an alleged coconspirator because I
think that that's --
THE COURT: With an alleged coconspirator Haydee
Granados --
MR. SNIDER: Yes.
THE COURT: -- is that what you're saying?
MR. SNIDER: Either that way or put her name -- yes,
I'm saying to have both. I think it could read, "In this
case, the Government has made a plea agreement with Haydee
Rivero, formerly known as Haydee Granados, an alleged
coconspirator," because otherwise it's not clear -- it's --
it's a fact that she's an alleged coconspirator, not that
she's Haydee Granados, that makes this instruction pertinent.
It's not her name so much as her status as an alleged
coconspirator.
And I agree with the defense that it should say
"alleged" because the indictment alleges that she's a
coconspirator.
MR. MCCRAY: Judge, I don't have an issue with that
as long as "alleged" is placed in there.
THE COURT: That's what he's saying. Excellent. You
both agree.
Any other requested instructions?
All right, hearing none.
Now, let's discuss the issue of the motions that the
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Court would consider at the conclusion of the evidence. The
same standard is in effect. And I'm interested in any
argument that would somehow suggest that looking at the
evidence in the light most favorable, taking all inferences in
favor of the Government, that the case for some reason should
not go to the fact finder, that is, the jury, and be dismissed
by the Court.
MR. WILCOX: Yes, Your Honor. Once we take under
consideration the testimony of Mr. Perez that I believe that
the Court is in a different position with respect to even
viewing the evidence in the light most favorable to the
Government. I believe no reasonable jury could find beyond a
reasonable doubt, even taking those facts -- the facts that
have been presented in the light most favorable to the
Government that Mr. and Mrs. Wade had an intent to defraud the
Government nor did they have an attempt to knowingly make
false statements or conspire to make false statements to the
SBA.
MR. MCCRAY: Judge, I would also just echo -- I want
to point out Ms. Granados -- Ms. Rivero's testimony when she
was asked by -- I believe it was Mr. Wilcox -- concerning
Haydee Granados, and she basically said that she really had no
connection or communication with her -- Carolyn Wade -- I'm
sorry.
She also said that any information that was given
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from her was given to Mr. Wade, and he basically was the point
person. There's been no evidence here of Ms. Wade actually
doing anything other than taking a photograph. I do see where
she has DocuSigned, but that doesn't, you know, even at this
point in the case, it doesn't show beyond a reasonable doubt
that she knew that Ms. Granados Rivero was putting fraudulent
information in the applications.
Also, Mr. Wade testified that basically anything that
needed to be done he basically would do it. I think she took
a photograph. And that's basically what we have on Ms. Wade
in this case. I don't think there's enough to send this to
the jury at this stage of the trial.
THE COURT: Well, we know that the burden of proof is
not beyond a reasonable doubt. That's not the standard at
this stage of the proceeding.
Government, as to the statements made by Mr. McCray.
MR. SNIDER: Mr. McCray.
THE COURT: As they relate to Ms. Wade.
MR. SNIDER: So during the Rule 29 motion that was
made by the defense at the close of the Government's case, the
Government set forth a substantial amount of activity
performed by Carolyn Wade in her own PPP loan application to
include logging in 11 times, using either her own cell phone
model or an IP address that was attributable to her, making 15
modifications to her own application, uploading six documents
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and/or linking the bank accounts a total of six times, signing
the DocuSign four different times, two signatures on the
actual PPP loan application, one signature on the note, one
signature on the forgiveness application which was signed at
her home, 26 total initials.
Carolyn Wade initiated the payment for her loan to
Haydee Granados for a thousand dollars. Carolyn Wade wrote
ten checks to either herself or her husband totaling $13,900
with the word salary in the memo, something that the agent
testified in four years of bank records had never been done
before and was never done again after the last check in July
of 2021.
Nothing in the defense case has changed any of that.
So, respectfully, as it pertains to this Rule 29, these are
questions of fact for the jury to decide.
THE COURT: All right. The Court does believe with
regard to the standard that this is a question or questions
for the jury to decide. The motions will be denied. However,
at the conclusion of the defense case in chief, if someone has
a new argument that you want to raise, I'll consider it at
that time, along with the arguments that you have just made.
Are there any other issues we need to address at this
time? All right. Thank you all. Have a good evening.
There is one issue, defense. I did get your exhibit
list, but what I would hopefully receive tomorrow is an
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exhibit list that is typed rather than handwritten and it only
includes the exhibits received in evidence. And there really
aren't that many. So that would be helpful. The Government
has a few additional exhibits received today other than those
that were previously received --
MR. SNIDER: Judge, those were just marked for
identification. They weren't offered.
THE COURT: The 3003, 3004, and the 3000, not
received?
MR. SNIDER: Not received --
THE COURT: All right.
MR. SNIDER: -- nor offered.
THE COURT: They were marked for ID only. So just
make sure you look at your exhibit list as it presently states
and is consistent with those documents we're going to give the
jury tomorrow. And I want you both to look at each other's
exhibit list to make sure that you concur.
There were some additional defense witnesses received
today, 100, 101, -2, -3, -4, -5, -6, -7 -- that were received
in evidence today. So your list should include those items,
and I don't know if you anticipate any exhibits tomorrow, but
we'll have to address that at the time.
All right. Thank you all. Have a good evening.
MR. SNIDER: Thank you, Your Honor.
(Proceedings concluded at 4:32 PM.)
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CERTIFICATE OF REPORTER
I certify that the foregoing is a correct
transcription of the record of proceedings in the
above-entitled matter prepared from my stenotype notes.
DATE: 14th of May, 2025
/s/Lance W. Steinbeisser
Lance W. Steinbeisser,
FCRR, RPR, FPR-C
Official Court Reporter
United States District Court
Southern District of Florida
Miami, Florida
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$
$1,000 [1] - 111:22
$112,430 [4] - 125:3,
125:9, 126:16,
177:25
$112,930 [3] - 97:17,
97:19, 97:24
$113,000 [1] - 43:12
$115,920 [1] - 69:23
$13,900 [1] - 203:8
$140,000 [1] - 108:11
$20,000 [2] - 186:15,
186:18
$20,833 [2] - 118:1,
124:18
$26,000 [1] - 67:16
$3,000 [1] - 112:11
$3,889 [1] - 114:2
$30,000 [1] - 38:19
$332,681 [1] - 22:1
$35,404.55 [2] -
105:7, 105:14
$36,403.67 [1] -
105:25
$39,755.82 [2] -
110:8, 111:5
$4,000 [4] - 28:1,
28:7, 28:9, 29:17
$40,000 [1] - 118:5
$49,569.74 [1] - 111:3
$49,940.81 [1] -
110:16
$5,000 [2] - 28:2,
29:12
$50 [2] - 38:13, 38:14
$500 [2] - 111:15,
113:8
$51,345.91 [1] -
110:12
'
'20 [1] - 92:19
'21 [1] - 92:19
/
/s/Lance [1] - 205:5
0
0501 [1] - 105:11
1
1 [13] - 1:8, 16:9,
25:9, 25:11, 37:1,
43:12, 43:15,
44:21, 106:8,
108:4, 113:21,
192:23, 193:6
1(A [1] - 22:2
1(C [1] - 22:1
1(C) [1] - 21:24
10 [4] - 27:20, 193:4,
193:6, 193:10
100 [11] - 102:22,
103:6, 103:7,
103:10, 104:18,
105:4, 105:21,
105:22, 105:24,
121:2, 204:19
100-plus-thousand
[1] - 43:16
1000 [11] - 111:9,
111:19, 112:24,
113:9, 113:23,
114:21, 114:24,
115:2, 143:8,
148:10, 187:20
101 [7] - 103:13,
104:14, 104:16,
104:24, 105:4,
105:5, 204:19
102 [5] - 103:20,
104:14, 104:16,
104:24, 106:1
103 [6] - 104:5,
104:15, 104:17,
104:24, 106:6,
106:7
104 [4] - 108:18,
109:4, 109:8,
109:25
104.9.107.166 [1] -
138:18
1040 [1] - 126:16
105 [6] - 109:11,
109:17, 109:18,
109:21, 110:17,
111:6
106 [5] - 106:18,
106:19, 107:7,
107:8, 107:12
107 [8] - 119:5,
119:6, 119:7,
119:17, 119:22,
119:23, 120:22,
121:10
107.131.161.84 [4] -
139:4, 187:16,
187:19, 187:21
1099 [3] - 46:18,
46:24, 186:13
1099s [6] - 46:17,
46:19, 95:6, 95:7,
185:21
10:30 [1] - 150:3
10:32 [1] - 150:3
10:40 [1] - 191:16
10:49 [1] - 47:19
10:55 [1] - 51:24
11 [6] - 159:15,
160:15, 163:20,
193:6, 193:21,
202:23
1120 [1] - 117:5
1120-S [1] - 124:6
115,000 [1] - 121:2
11:00 [1] - 47:14
11:16 [1] - 51:24
11:37 [1] - 63:5
12:37 [1] - 101:19
12:39 [1] - 102:13
13 [5] - 160:17,
167:9, 167:20,
193:6, 193:21
14 [3] - 133:11,
134:3, 181:14
15 [4] - 27:20, 136:6,
193:7, 202:24
15-minute [1] -
189:24
1512 [3] - 127:13,
135:20, 136:15
154 [1] - 131:8
155 [1] - 157:14
156 [3] - 164:2,
165:11, 165:23
157 [13] - 125:13,
125:21, 126:17,
127:22, 128:23,
129:17, 170:12,
170:20, 172:9,
179:16, 180:3,
180:7, 182:24
157.1 [1] - 172:17
157.2 [1] - 180:11
158 [10] - 125:14,
127:25, 128:2,
128:22, 129:3,
129:13, 129:17,
173:8, 180:3,
182:24
159 [8] - 125:14,
129:5, 129:8,
174:11, 175:16,
175:20, 180:3,
182:24
16 [2] - 136:6, 193:12
160 [2] - 183:2, 183:7
163E [3] - 146:20,
147:9, 150:18
164 [1] - 162:19
166 [7] - 143:15,
162:4, 162:10,
162:22, 162:24,
168:11, 168:18
17 [11] - 148:19,
149:2, 149:5,
149:10, 151:22,
152:14, 152:23,
167:3, 167:20,
193:13, 193:20
174 [1] - 137:23
18 [6] - 56:9, 180:15,
180:16, 180:19,
195:12, 197:11
19 [5] - 77:1, 145:2,
145:7, 181:2,
195:17
1995 [2] - 64:6, 67:17
1:30 [3] - 101:18,
102:12
1:34 [2] - 102:13,
102:14
1st [7] - 105:15,
105:23, 106:3,
110:2, 111:1, 111:2
2
2 [13] - 40:8, 108:3,
160:15, 163:20,
170:20, 173:14,
174:18, 174:19,
192:24, 193:6,
193:8, 196:18,
204:19
20 [8] - 27:20, 47:17,
101:23, 145:11,
145:14, 175:9,
191:6, 195:22
20,833 [4] - 176:15,
177:15, 179:24,
186:6
2010 [1] - 133:8
2011 [2] - 133:7,
152:21
2018 [3] - 92:3,
130:9, 130:15
2019 [20] - 21:8,
35:10, 39:8, 39:11,
39:14, 39:18, 40:5,
65:20, 69:25,
76:17, 92:19,
93:18, 97:19,
97:24, 117:3,
119:20, 123:7,
125:4, 130:15
2019/2020 [1] - 94:2
Lance W. Steinbeisser - Federal Certified Realtime Reporter
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20191120-S [1] -
119:9
202 [2] - 64:3, 70:2
2020 [9] - 16:2,
17:23, 21:8, 39:8,
39:22, 40:5, 76:20,
93:19, 130:15
2021 [56] - 16:2,
43:17, 76:22, 77:2,
105:20, 105:23,
106:3, 106:8,
106:9, 110:2,
110:3, 110:20,
130:15, 135:5,
135:8, 135:11,
135:13, 135:16,
135:19, 136:6,
136:20, 137:24,
138:5, 138:13,
143:11, 143:19,
144:11, 144:14,
144:18, 144:21,
145:2, 145:7,
145:11, 145:14,
145:18, 145:21,
145:25, 148:14,
148:20, 148:21,
149:5, 149:6,
149:25, 151:9,
151:13, 154:3,
154:15, 159:16,
180:15, 180:16,
203:12
2022 [1] - 135:8
2024 [2] - 1:4, 76:14
2025 [1] - 205:5
205 [1] - 1:8
209 [3] - 21:11,
21:12, 21:20
21 [4] - 1:4, 51:14,
56:10, 144:23
23 [1] - 196:25
23-CR-60173-KMW
[1] - 1:2
24 [1] - 196:25
2483 [1] - 169:10
25 [4] - 112:10,
145:17, 145:21,
196:25
26 [7] - 110:20,
145:25, 148:14,
148:21, 149:6,
197:1, 203:5
28 [2] - 31:3, 31:6
28th [1] - 111:4
29 [2] - 202:19,
203:14
2:32 [1] - 150:1
2:59 [1] - 160:6
2nd [1] - 205:5
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 207 of
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3
3 [9] - 75:17, 171:6,
173:17, 174:23,
192:25, 193:6,
196:18, 204:19
30 [4] - 101:23,
105:23, 106:3,
110:2
300,000 [1] - 22:3
300-some [2] - 22:13,
22:16
3000 [1] - 204:8
3002 [3] - 73:19,
75:1, 75:9
3003 [4] - 78:3, 78:7,
78:9, 204:8
3004 [3] - 80:22,
80:24, 204:8
305.523.5633 [1] -
1:23
31 [6] - 64:10, 64:11,
106:8, 110:20,
117:20, 145:1
315 [2] - 123:9, 126:9
33 [1] - 145:10
33065 [1] - 64:4
33128 [1] - 1:23
33321 [1] - 95:17
345,000 [1] - 120:25
34983 [1] - 107:3
35 [1] - 68:23
36 [6] - 96:17,
178:25, 179:2,
179:4, 179:6,
179:11
37 [1] - 145:17
38 [3] - 98:13,
145:24, 148:11
3:00 [1] - 160:8
3:21 [1] - 160:8
4
4 [13] - 31:4, 143:11,
143:19, 144:10,
148:20, 149:5,
154:3, 172:9,
173:24, 175:5,
190:23, 192:25,
204:19
40,000 [1] - 38:20
400 [1] - 1:22
4088 [1] - 124:10
4126 [2] - 64:3, 70:2
47 [2] - 91:22, 91:24
49 [2] - 111:10, 113:8
4:00 [1] - 190:23
4:04 [1] - 192:2
4:32 [2] - 1:6, 204:25
5
5 [7] - 55:9, 144:14,
150:3, 154:15,
193:1, 193:10,
204:19
50 [3] - 9:13, 111:20,
112:24
52 [1] - 113:23
53 [1] - 114:21
54 [1] - 114:24
55 [1] - 115:2
57 [2] - 7:23, 54:6
596E [2] - 128:9,
173:12
599 [1] - 107:2
5:56 [1] - 148:14
5G [5] - 135:21,
136:12, 136:14,
144:16, 144:23
5th [1] - 144:18
6
6 [16] - 75:19, 75:20,
76:3, 78:11, 78:12,
81:1, 81:2, 98:18,
144:21, 149:25,
150:3, 151:13,
159:16, 165:14,
193:2, 204:19
6/17/21 [1] - 115:12
60 [1] - 67:13
600 [1] - 139:1
601 [1] - 138:15
603 [2] - 108:4
608 [1] - 13:2
62 [1] - 148:13
6697269001 [1] -
55:22
67 [1] - 187:19
7
7 [10] - 1:7, 23:19,
23:20, 25:1,
126:16, 160:15,
163:20, 165:23,
193:3, 204:19
7309 [3] - 158:1,
158:3, 159:10
7309.pdf [1] - 154:22
73rd [1] - 95:13
7598 [1] - 95:13
786-488-1512 [1] -
135:14
8
8 [4] - 24:3, 144:13,
164:2, 193:4
8/20/2021 [2] -
107:17, 107:19
803.6 [1] - 53:5
805 [2] - 138:1, 173:2
806.1 [2] - 136:2,
136:3
84 [2] - 187:15,
188:12
88th [2] - 64:3, 70:2
9
9 [5] - 57:25, 58:2,
174:2, 175:20,
193:5
900 [2] - 53:4, 53:5
901(a [2] - 14:9,
14:16
9:30 [1] - 191:15
9:35 [2] - 1:6, 3:18
9:54 [1] - 15:20
A
A-Head [6] - 16:9,
25:9, 25:11, 37:1,
44:21, 113:21
abetting [1] - 193:12
ability [2] - 79:11,
137:12
able [5] - 40:4, 51:7,
56:9, 58:15, 192:12
above-entitled [1] -
205:4
absolutely [10] -
31:7, 40:22, 43:14,
117:23, 126:19,
134:12, 138:10,
145:16, 152:18,
167:24
accept [9] - 136:17,
136:18, 138:7,
138:21, 139:4,
144:8, 144:11,
147:8, 151:12
accepted [1] - 104:19
access [10] - 34:8,
34:12, 34:17,
34:20, 34:22, 35:2,
136:21, 137:4,
137:5, 137:13
accessible [2] - 38:5,
38:21
accessing [1] - 162:8
accomplice [3] -
195:12, 195:15,
197:11
according [1] - 150:4
account [73] - 24:18,
24:19, 25:11,
29:17, 34:16,
34:22, 35:5, 35:6,
35:7, 35:9, 37:3,
37:4, 37:5, 37:15,
38:2, 38:7, 38:9,
38:13, 38:18,
38:19, 38:22,
40:12, 40:13,
40:14, 40:15,
40:18, 40:19,
40:21, 83:12,
103:2, 103:14,
103:24, 104:8,
108:20, 108:21,
108:25, 110:5,
111:6, 112:18,
112:20, 112:22,
113:4, 113:20,
113:22, 115:7,
115:15, 115:22,
124:21, 124:25,
143:12, 153:10,
153:11, 153:12,
153:14, 153:18,
153:22, 155:6,
157:18, 157:21,
157:22, 157:24,
157:25, 158:2,
158:6, 158:12,
158:20, 159:10,
159:11, 186:17
accountant [6] -
120:1, 120:2,
132:16, 132:18,
133:12, 134:3
Accounting [6] -
120:4, 132:9,
132:11, 132:13,
132:14, 134:11
accounts [8] - 35:2,
35:4, 38:4, 40:17,
103:1, 141:7,
194:11, 203:1
accuracy [1] - 188:15
accurate [4] - 22:20,
155:24, 172:5
accurately [10] -
83:19, 103:3,
103:16, 103:25,
104:10, 107:4,
108:2, 108:24,
109:14, 184:7
Lance W. Steinbeisser - Federal Certified Realtime Reporter
208
Acosta [1] - 195:3
acquire [1] - 39:23
action [2] - 161:12,
161:15
activate [1] - 33:13
activity [9] - 42:17,
110:23, 117:1,
139:12, 139:19,
143:13, 154:4,
174:7, 202:21
actual [4] - 74:1,
74:2, 150:15, 203:3
ADAM [1] - 1:13
adapt [1] - 178:19
addition [1] - 181:5
additional [9] - 28:1,
78:15, 78:20,
90:12, 154:14,
176:2, 197:9,
204:4, 204:18
address [61] - 4:20,
4:21, 54:10, 54:12,
56:5, 56:8, 57:14,
69:4, 70:2, 90:3,
95:10, 95:12, 97:1,
120:17, 126:9,
127:10, 127:12,
132:3, 132:4,
132:7, 138:11,
138:18, 139:2,
140:2, 140:11,
140:13, 143:4,
143:15, 144:15,
148:4, 148:8,
161:20, 162:3,
162:4, 162:10,
162:21, 163:2,
163:16, 168:11,
168:12, 168:19,
172:23, 173:2,
174:6, 174:7,
175:11, 184:17,
187:11, 187:18,
187:21, 187:23,
188:12, 188:16,
188:20, 188:24,
189:2, 202:24,
203:22, 204:22
addresses [5] - 58:7,
137:22, 138:5,
162:20, 163:18
addressing [1] -
192:23
Administration [1] -
58:14
administrative [3] -
114:13, 164:23,
165:4
administrator [1] -
17:12
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 208 of
231
admissibility [1] -
12:23
admissible [1] -
15:13
admission [1] - 90:12
admit [3] - 62:5,
109:3, 109:17
admitted [3] - 91:3,
106:5, 119:16
admitting [1] - 119:4
adopt [1] - 41:20
advance [2] - 62:8,
191:21
advice [1] - 48:21
advise [3] - 50:8,
121:1, 197:5
advised [3] - 2:9,
47:23, 184:5
advising [2] - 2:22,
50:25
affidavits [2] - 17:17,
31:18
afternoon [7] - 91:19,
99:7, 99:8, 122:1,
122:2, 160:4, 192:1
Agent [1] - 15:9
agent [1] - 203:9
ago [17] - 2:10, 4:14,
27:4, 54:5, 54:17,
76:12, 76:16, 94:8,
99:1, 99:24, 101:9,
120:6, 152:25,
164:22, 169:14,
189:22, 190:25
agree [19] - 94:25,
121:1, 127:19,
127:23, 128:21,
128:24, 129:1,
129:13, 131:21,
141:12, 152:11,
159:3, 162:10,
184:21, 189:9,
189:10, 194:22,
200:16, 200:22
agreed [2] - 11:21,
117:18
agreement [14] -
47:7, 58:17,
181:20, 195:13,
197:12, 197:16,
197:20, 198:4,
198:5, 198:12,
198:13, 199:10,
199:24, 200:9
ahead [10] - 4:9,
34:20, 45:1, 51:18,
81:21, 115:21,
148:9, 162:18,
187:14
aided [1] - 1:25
aiding [1] - 193:12
alarm [4] - 176:14,
177:19, 177:22,
178:2
alarmed [1] - 121:19
alarming [1] - 177:14
Alexandra [1] - 195:3
alleged [11] - 198:1,
198:19, 198:22,
199:25, 200:1,
200:3, 200:10,
200:12, 200:14,
200:17, 200:20
alleges [2] - 198:17,
200:17
alleviate [1] - 63:12
allow [2] - 53:1,
62:25
allowances [1] -
120:21
allowed [1] - 136:21
allows [1] - 137:5
almost [3] - 38:20,
40:8, 133:11
alone [1] - 194:6
ALSO [1] - 1:18
altered [1] - 155:25
AM [7] - 1:6, 15:20,
47:19, 51:24, 63:5,
150:3
Amendment [19] -
2:9, 2:23, 5:5, 5:21,
6:10, 6:21, 7:5,
7:12, 7:13, 8:6,
8:16, 9:9, 9:16,
48:17, 48:19,
48:24, 49:2, 49:3,
49:9
America [1] - 71:21
AMERICA [1] - 1:3
amount [19] - 31:19,
38:20, 97:14,
97:21, 104:1,
105:13, 108:7,
118:8, 121:2,
126:15, 177:24,
184:24, 186:6,
186:8, 186:19,
193:25, 202:21
Analytics [2] - 55:18,
55:20
angry [1] - 44:4
answer [11] - 8:2,
78:25, 83:2, 83:16,
107:22, 108:2,
117:23, 149:16,
156:24, 161:23,
190:16
answered [6] - 70:22,
70:23, 103:15,
178:3, 178:4,
178:22
answering [3] -
140:25, 177:6,
190:14
answers [1] - 83:20
anticipate [5] - 52:23,
98:7, 189:17,
195:24, 204:21
anticipated [1] -
48:20
anticipating [1] -
50:25
anxiously [1] - 38:25
anytime [1] - 22:19
anyway [3] - 66:7,
66:8, 88:10
Apartment [2] - 64:3,
70:2
apartment [1] - 67:16
apologize [1] - 177:7
app [6] - 37:12,
37:18, 37:20,
37:25, 38:5
appear [2] - 168:7,
168:9
appearance [2] -
14:24, 48:12
appeared [3] - 5:6,
90:7, 168:20
appellate [1] - 52:24
applicants [1] -
193:11
application [132] -
13:15, 31:1, 32:18,
33:9, 34:14, 36:4,
36:6, 40:24, 41:23,
42:1, 42:9, 42:16,
42:24, 43:1, 45:16,
45:22, 57:4, 66:12,
66:13, 66:16,
67:24, 68:6, 68:14,
70:14, 72:13,
72:23, 73:1, 73:17,
75:21, 76:7, 77:11,
78:21, 79:10,
79:17, 79:22, 80:9,
81:6, 82:1, 82:18,
82:22, 83:5, 83:10,
83:14, 83:23, 84:1,
84:6, 84:13, 84:17,
84:23, 86:12,
86:19, 86:20, 88:8,
96:4, 96:7, 96:8,
97:10, 116:12,
116:13, 116:16,
119:1, 128:15,
128:19, 129:15,
130:23, 139:12,
140:1, 142:15,
142:24, 143:13,
144:19, 145:7,
145:14, 145:21,
146:1, 148:20,
149:20, 151:13,
151:16, 152:17,
154:15, 155:17,
156:5, 156:17,
156:21, 157:8,
159:21, 160:12,
160:19, 160:24,
162:4, 162:8,
163:8, 163:23,
165:25, 166:8,
167:4, 167:7,
167:10, 167:13,
167:23, 168:5,
168:25, 169:11,
169:15, 169:16,
170:18, 172:4,
173:9, 174:12,
175:17, 177:16,
177:19, 177:23,
178:15, 179:15,
180:13, 182:12,
182:19, 182:23,
183:8, 185:6,
185:7, 185:8,
185:9, 187:3,
193:23, 193:25,
202:22, 202:25,
203:3, 203:4
applications [13] -
13:4, 58:1, 58:7,
117:9, 169:10,
170:7, 176:3,
176:7, 176:10,
180:3, 184:18,
193:24, 202:7
applied [8] - 18:18,
38:12, 38:23, 41:1,
46:8, 53:12, 53:25,
121:13
apply [11] - 32:25,
35:17, 41:2, 65:25,
66:8, 93:23, 93:24,
94:13, 94:25,
196:18, 196:21
applying [6] - 20:9,
20:22, 23:10, 40:9,
94:1, 94:6
appreciate [1] -
192:6
approach [13] -
26:21, 68:18,
74:18, 74:21, 75:3,
77:24, 80:18,
96:13, 98:3,
102:17, 106:17,
108:14, 119:12
Lance W. Steinbeisser - Federal Certified Realtime Reporter
209
approached [8] -
20:5, 53:23, 53:24,
65:24, 66:4, 93:22,
93:24, 94:10
approaching [4] -
66:1, 74:24, 78:1,
80:20
appropriate [1] -
195:14
approved [1] - 42:18
apps [1] - 41:7
April [6] - 105:23,
135:16, 135:19,
136:6, 138:13
archive [1] - 180:17
area [2] - 9:7, 30:6
argue [1] - 14:8
argument [11] - 90:8,
90:12, 90:13,
177:4, 190:18,
191:19, 193:15,
194:12, 196:4,
201:3, 203:20
arguments [2] -
102:4, 203:21
arrange [1] - 5:13
arrangement [1] -
27:17
arrangements [1] -
112:8
arrest [2] - 46:5,
116:17
arrested [5] - 45:18,
45:19, 45:21,
45:24, 116:21
arrived [1] - 2:3
aside [3] - 12:23,
12:25, 31:11
aspect [1] - 183:12
assert [1] - 7:11
asserted [3] - 12:14,
61:4, 61:5
asserts [1] - 6:11
assess [1] - 39:5
assigned [8] - 10:25,
135:20, 136:15,
138:12, 139:2,
187:23, 188:13
assist [3] - 10:1,
22:7, 114:17
assistant [1] - 48:14
Assistant [1] - 99:11
assisted [1] - 83:24
assisting [6] - 16:12,
18:20, 19:5, 31:13,
75:22, 76:7
associated [8] -
40:16, 162:13,
162:15, 168:18,
170:5, 176:13,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 209 of
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176:16, 188:24
assume [1] - 15:18
assumption [1] -
177:15
AT&T [6] - 138:12,
138:23, 139:2,
184:1, 188:24,
188:25
AT&T's [1] - 188:16
ATM [1] - 112:6
attached [2] - 132:10,
176:4
attachment [2] -
24:12, 57:25
attachments [2] -
24:7, 24:9
attaining [1] - 193:10
attempt [4] - 143:23,
145:24, 148:13,
201:16
attempted [1] - 70:19
attempting [1] -
73:11
attempts [5] -
143:19, 143:22,
144:14, 145:1,
145:11
attend [1] - 30:14
Attention [1] - 55:18
attention [7] - 10:19,
10:20, 10:24, 34:7,
141:1, 176:11,
196:16
Attorney [1] - 99:11
attorney [1] - 47:24
Attorney's [1] - 1:14
attorneys [1] -
122:14
attributable [1] -
202:24
audited [2] - 21:18,
35:12
August [3] - 106:9,
135:16, 135:19
AUSA [2] - 1:13, 1:13
authenticate [2] -
33:12, 37:21
authenticating [3] -
12:2, 14:17, 14:19
authentication [2] -
11:19, 34:9
authorities [1] - 8:20
authorize [2] - 47:9,
54:7
authorized [2] -
42:18, 54:22
automatic [2] -
118:18, 182:15
automatically [2] -
36:7, 118:20
available [1] - 194:4
Avenue [3] - 1:22,
64:3, 70:2
average [2] - 110:9,
110:13
avoiding [1] - 194:10
aware [16] - 10:23,
20:3, 32:16, 45:22,
45:24, 116:23,
117:7, 117:11,
118:23, 123:4,
125:3, 125:8,
160:23, 160:24,
161:2
B
b)(4 [2] - 14:9, 14:23
background [3] -
30:12, 77:6, 77:8
bags [1] - 16:13
balance [12] - 105:5,
105:8, 105:11,
105:12, 105:13,
105:24, 110:5,
110:9, 110:13,
110:22, 111:2,
111:4
Bank [1] - 159:10
bank [44] - 20:14,
25:11, 26:7, 34:16,
34:22, 35:2, 35:4,
37:3, 37:4, 37:5,
37:6, 37:10, 37:14,
38:22, 40:12,
40:13, 40:15, 83:9,
83:12, 103:1,
103:4, 103:17,
104:1, 104:11,
108:20, 108:21,
109:13, 109:15,
111:6, 112:3,
112:22, 124:21,
124:25, 141:7,
153:8, 153:10,
153:14, 153:18,
155:6, 155:24,
186:17, 203:1,
203:10
based [20] - 19:10,
20:10, 23:7, 29:1,
35:12, 37:7, 46:10,
47:2, 48:22, 52:7,
52:18, 52:22,
99:15, 102:9,
121:17, 151:19,
177:12, 195:8,
196:1, 198:8
basis [5] - 57:5,
58:23, 70:21,
185:25, 194:8
Batoff [2] - 48:15,
50:22
BATOFF [2] - 50:20,
51:5
Bay [1] - 16:6
BBBC [2] - 129:10,
174:17
beauty [1] - 43:16
become [1] - 116:23
BEFORE [1] - 1:10
beg [4] - 47:5, 47:12,
106:4, 119:3
began [2] - 143:4,
170:10
begin [3] - 170:20,
172:23, 178:19
beginning [9] -
105:5, 105:8,
105:11, 105:12,
105:24, 110:5,
141:25, 153:15,
197:14
behalf [1] - 36:19
BEHALF [1] - 1:15
bell [1] - 93:17
belonged [1] - 113:6
below [4] - 128:11,
128:18, 136:12,
155:6
best [7] - 7:1, 190:15,
191:6, 191:21,
191:24, 192:4,
192:6
betrayed [1] - 22:24
better [1] - 57:22
between [10] - 18:5,
25:21, 27:20,
97:20, 121:2,
148:20, 149:5,
150:1, 150:3,
152:10
beyond [4] - 197:25,
201:12, 202:5,
202:14
big [1] - 146:22
bigger [1] - 166:9
bill [1] - 136:5
billing [1] - 136:6
bit [4] - 21:23, 128:1,
157:2, 192:12
black [1] - 64:21
black.pdf [1] - 154:9
book [1] - 16:13
borrower [6] -
128:19, 129:15,
169:15, 173:9,
174:12, 186:22
bottom [3] - 108:3,
108:5, 184:3
branch [2] - 37:8,
37:11
branches [1] - 112:4
break [9] - 47:16,
50:13, 101:17,
160:4, 160:11,
162:18, 189:23,
189:25
breakdown [2] -
120:16, 120:18
brief [1] - 47:13
briefly [2] - 99:4,
122:5
bring [5] - 2:6, 10:8,
10:19, 15:19
brought [1] - 10:24
Broward [4] - 44:2,
64:12, 64:13
BSO [2] - 45:12,
195:3
burden [1] - 202:13
burial [2] - 17:16,
31:18
Business [1] - 58:14
business [125] -
11:12, 11:22,
11:25, 12:1, 12:3,
12:4, 12:13, 13:12,
16:21, 17:9, 17:11,
17:13, 18:10,
19:10, 19:13,
19:21, 22:10, 23:8,
23:10, 25:9, 27:5,
29:2, 29:3, 29:6,
29:25, 34:22, 35:5,
35:9, 38:19, 43:6,
43:7, 44:20, 46:21,
53:6, 55:22, 58:10,
58:13, 59:1, 60:6,
67:7, 92:17, 94:12,
94:24, 97:23,
108:20, 108:21,
112:18, 112:20,
113:4, 115:7,
115:15, 115:24,
116:7, 117:21,
122:23, 123:1,
123:2, 123:6,
123:14, 123:25,
124:24, 125:2,
125:3, 125:7,
125:8, 125:23,
125:24, 125:25,
126:1, 126:9,
126:10, 127:1,
127:6, 127:16,
127:17, 127:18,
131:14, 131:16,
131:20, 132:3,
132:4, 132:7,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
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133:5, 133:22,
134:18, 152:19,
153:14, 158:19,
158:20, 160:22,
160:25, 161:5,
161:7, 161:18,
161:23, 162:11,
162:14, 162:15,
163:10, 163:12,
168:1, 168:8,
168:19, 177:23,
177:25, 179:7,
179:9, 181:17,
181:20, 181:21,
181:23, 182:5,
182:6, 184:10,
184:12, 184:14,
184:19, 185:20,
196:6, 196:7
business-related [1]
- 29:2
businesses [8] -
19:4, 46:19, 64:18,
92:24, 93:6, 93:8,
95:21, 97:20
businessman [1] -
181:13
buy [2] - 67:14, 67:16
BY [50] - 15:25, 39:7,
63:20, 64:1, 68:5,
68:13, 68:21,
69:11, 69:21, 71:8,
74:14, 75:7, 75:16,
77:25, 80:19, 86:8,
87:8, 91:18, 96:15,
97:8, 97:13, 98:4,
98:12, 98:23, 99:6,
101:6, 102:20,
103:11, 105:3,
106:22, 107:14,
108:16, 109:9,
109:24, 119:15,
121:25, 135:3,
139:17, 148:23,
149:1, 150:16,
159:8, 160:10,
165:1, 171:22,
177:9, 178:6,
178:24, 182:4,
188:3
C
calmed [1] - 5:11
camera [1] - 166:19
cameras [5] - 93:1,
96:11, 100:9,
100:10, 100:12
cannot [3] - 8:12,
31:14, 83:19
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 210 of
231
capacity [1] - 117:8
caption [1] - 199:19
captures [1] - 148:6
car [3] - 38:3, 114:13,
114:14
card [1] - 24:11
cards [2] - 20:15,
38:4
career [1] - 118:7
careful [1] - 194:16
carefully [1] - 194:15
Carolyn [22] - 1:18,
25:2, 25:5, 25:13,
45:5, 55:22,
111:13, 111:21,
113:10, 113:11,
113:21, 114:22,
139:3, 139:22,
140:22, 159:11,
201:23, 202:22,
203:6, 203:7
CAROLYN [1] - 1:7
Carolyn's [1] -
112:14
case [52] - 2:17, 5:10,
13:18, 43:21, 48:4,
48:6, 49:2, 51:17,
51:20, 55:17,
56:23, 57:9, 58:13,
67:21, 71:21,
86:19, 90:15,
90:16, 91:5, 99:12,
101:11, 101:21,
116:17, 117:24,
118:14, 120:10,
120:11, 122:10,
122:13, 125:12,
130:1, 137:18,
137:21, 138:11,
139:6, 191:22,
192:4, 194:19,
195:7, 196:13,
197:15, 197:19,
197:24, 199:9,
200:9, 201:5,
202:5, 202:11,
202:20, 203:13,
203:19
CASE [1] - 1:2
cases [1] - 196:24
cash [8] - 108:5,
112:8, 112:9,
112:11, 112:15,
112:19, 113:6,
115:18
casual [1] - 26:18
caught [1] - 117:15
caused [1] - 46:5
caution [1] - 196:25
cautious [1] - 9:7
ceiling [1] - 166:20
cell [28] - 127:12,
135:5, 135:13,
135:19, 136:19,
136:22, 137:1,
137:4, 140:3,
140:10, 140:12,
141:22, 144:15,
144:23, 145:9,
146:13, 147:1,
147:3, 147:5,
147:16, 147:19,
147:22, 147:23,
147:24, 148:7,
165:17, 167:1,
202:23
center [2] - 125:15,
128:15
certain [9] - 19:4,
19:17, 31:4, 44:14,
45:15, 137:22,
139:20, 141:1
certainly [3] - 123:4,
171:13, 194:11
CERTIFICATE [1] -
205:1
certificate [4] -
172:17, 172:18,
174:3, 175:8
certified [2] - 30:16,
175:1
certify [3] - 172:3,
173:20, 205:3
cetera [3] - 5:14,
57:19, 120:19
chain [2] - 188:8,
188:10
chairs [1] - 30:3
challenged [1] -
121:10
Chambers [3] -
90:14, 90:17, 90:19
chance [1] - 57:23
change [3] - 34:12,
157:1, 157:9
changed [2] - 135:17,
203:13
changes [2] - 156:4,
167:9
character [3] -
195:17, 195:19,
195:20
characteristics [2] -
14:24, 15:1
characters [1] -
129:10
charge [5] - 191:8,
191:17, 193:7,
195:4, 196:19
charity [1] - 39:6
check [36] - 2:3,
20:15, 24:12,
24:15, 25:9, 28:7,
28:8, 28:11, 29:15,
29:17, 33:21,
33:22, 36:25, 38:9,
50:1, 111:13,
111:21, 111:24,
111:25, 112:1,
112:2, 112:12,
112:13, 112:14,
112:15, 112:17,
113:10, 113:11,
113:16, 113:25,
114:19, 115:12,
115:13, 115:21,
181:19, 203:11
checking [3] -
154:21, 158:6,
159:10
checks [5] - 115:15,
186:15, 186:16,
186:17, 203:8
chemicals [2] -
67:14, 116:4
chief [4] - 51:17,
51:20, 101:21,
203:19
child [2] - 117:14,
117:15
children [2] - 40:14,
92:6
circles [1] - 6:7
Circuit [5] - 192:16,
192:22, 194:15,
196:12, 199:7
circumstances [2] -
15:2, 177:13
circumstantial [1] -
193:1
citizen [1] - 7:24
City [3] - 28:12,
28:15, 29:17
city [1] - 70:5
claimed [2] - 18:15,
18:16
claims [4] - 13:15,
14:21, 117:13,
117:14
clarity [1] - 120:4
cleaning [1] - 114:14
clear [7] - 55:25,
115:11, 130:9,
163:15, 168:12,
186:3, 200:11
clearer [3] - 57:15,
112:13, 183:4
clearly [3] - 79:13,
133:21, 188:5
Clemente [10] - 2:14,
55:10, 63:22,
74:15, 76:11, 78:4,
80:23, 82:12, 91:1,
91:2
CLEMENTE [1] - 63:6
click [2] - 41:17,
178:17
clients [2] - 30:8,
50:17
close [1] - 202:20
closer [1] - 170:3
closing [3] - 102:4,
106:24, 190:18
co [1] - 51:2
co-counsel [1] - 51:2
coconspirator [19] -
195:12, 195:15,
197:12, 197:16,
197:20, 197:22,
198:1, 198:12,
198:18, 199:2,
199:14, 199:18,
199:25, 200:1,
200:3, 200:11,
200:12, 200:15,
200:18
coconspirators [2] -
197:23, 198:9
Code [1] - 107:3
code [21] - 33:13,
37:21, 37:22, 64:4,
140:9, 140:11,
140:16, 140:17,
140:23, 141:5,
141:8, 141:11,
141:13, 141:20,
142:11, 146:25,
147:6, 148:7,
161:21
codefendant [3] -
195:14, 199:5,
199:13
codes [11] - 34:10,
82:21, 141:21,
141:22, 141:24,
141:25, 142:1,
142:5, 146:9,
146:12, 147:3
collected [1] - 110:13
Column [1] - 147:14
column [2] - 29:4,
163:16
Comcast [6] - 92:11,
92:12, 92:14,
92:22, 97:25,
100:10
coming [7] - 24:5,
25:2, 74:20, 90:24,
162:5, 177:25,
195:24
Lance W. Steinbeisser - Federal Certified Realtime Reporter
211
commencing [1] -
31:4
comment [1] - 10:21
comments [1] - 6:25
committed [2] - 8:18,
194:14
common [1] - 56:9
communication [3] -
17:15, 21:20,
201:23
community [1] -
117:22
companies [1] - 94:4
company [4] - 28:16,
82:12, 123:17,
139:7
compelled [1] - 8:12
competing [1] -
117:8
completed [4] -
68:14, 172:20,
191:16, 193:16
completely [2] - 60:9,
131:2
completion [4] -
172:19, 174:3,
175:8, 196:10
compliance [1] -
55:18
complied [1] - 186:22
component [4] -
163:23, 164:3,
168:24, 169:5
composite [3] -
111:9, 111:20,
113:24
computer [25] - 1:25,
26:2, 41:3, 41:6,
41:8, 41:14, 41:19,
41:21, 42:2, 74:18,
74:19, 78:2, 78:4,
80:21, 86:25, 87:1,
87:2, 88:25,
158:23, 164:16,
165:5, 165:7,
165:8, 165:10
computer-aided [1] -
1:25
computers [5] -
17:21, 88:20, 89:4,
164:21, 165:9
concepts [1] - 7:16
concern [1] - 197:21
concerning [7] -
20:6, 32:17, 38:6,
52:7, 115:23,
115:24, 201:21
conclude [1] - 198:8
concluded [1] -
204:25
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 211 of
231
conclusion [2] -
201:1, 203:19
concur [1] - 204:17
condition [1] - 27:10
conduct [1] - 174:7
conducted [7] -
139:18, 156:8,
156:11, 156:20,
159:20, 160:13,
160:18
conducting [4] -
143:13, 154:4,
154:16, 155:8
conference [2] -
191:8, 191:17
confirm [1] - 151:14
confused [3] - 11:25,
52:1, 198:8
confusing [1] - 62:21
conjunction [1] -
47:16
connected [5] -
37:14, 94:16, 95:3,
125:11, 137:3
connection [21] -
72:23, 73:1, 75:21,
76:6, 77:5, 78:16,
78:21, 81:5, 82:1,
96:7, 101:10,
118:15, 118:23,
121:3, 121:22,
137:9, 141:21,
142:17, 143:14,
189:10, 201:23
consequence [1] -
60:25
consider [3] - 46:20,
201:1, 203:20
consideration [2] -
193:1, 201:9
considered [2] -
46:11, 169:11
consistent [3] -
22:16, 54:13,
204:15
conspiracy [3] -
193:7, 197:23,
198:7
conspire [1] - 201:17
constant [1] - 17:3
Constitution [2] -
8:10, 9:14
consult [2] - 47:24,
49:6
consulted [1] - 49:12
contact [1] - 51:7
contacted [1] - 47:24
contain [1] - 23:24
contained [1] - 131:2
content [1] - 55:23
contents [3] - 14:24,
60:8, 90:12
continue [4] - 63:17,
98:9, 102:16, 160:9
CONTINUED [2] -
15:24, 102:19
contract [1] - 181:16
contractor [1] -
185:25
contractors [1] -
185:20
control [10] - 32:14,
55:20, 64:10,
64:18, 65:19, 72:3,
72:5, 75:23, 85:15,
87:13
conversation [8] -
5:12, 18:5, 20:12,
20:16, 48:20,
48:22, 66:1, 94:12
conversations [2] -
17:22, 30:24
conversions [1] -
150:2
converted [1] - 150:2
cooperation [1] -
192:1
copies [3] - 167:15,
181:6, 194:4
copy [6] - 74:1, 74:3,
75:5, 107:10,
180:15, 180:17
Coral [7] - 10:16,
39:13, 39:16,
39:18, 39:25, 64:3,
70:5
corporation [5] -
16:15, 28:13,
28:18, 119:10,
133:9
corporations [1] -
16:1
correct [204] - 13:5,
16:7, 16:19, 20:14,
36:18, 39:13,
45:14, 46:20,
54:24, 56:14,
56:19, 76:16,
77:14, 79:7, 79:11,
79:12, 79:24, 85:2,
92:23, 97:21,
99:20, 99:21,
99:23, 100:20,
117:3, 118:5,
121:11, 122:4,
122:14, 122:17,
122:19, 122:24,
123:2, 123:10,
123:15, 123:18,
123:20, 123:25,
124:4, 124:11,
124:14, 124:19,
124:22, 124:25,
125:1, 125:4,
125:18, 125:24,
126:5, 126:7,
126:8, 126:11,
126:22, 127:2,
127:8, 127:13,
127:16, 128:7,
128:9, 129:3,
129:4, 129:19,
129:22, 129:23,
130:10, 130:17,
130:18, 130:21,
130:22, 130:24,
130:25, 131:6,
131:14, 131:23,
132:18, 132:24,
133:2, 134:11,
134:15, 135:6,
135:14, 135:15,
135:21, 136:6,
136:21, 137:24,
138:13, 138:24,
139:9, 139:13,
139:23, 140:3,
141:23, 143:19,
144:16, 144:17,
144:19, 145:2,
145:3, 145:7,
145:8, 145:11,
145:12, 145:15,
145:22, 145:23,
146:2, 146:3,
146:8, 146:10,
146:11, 147:12,
148:11, 148:15,
149:13, 149:20,
149:21, 150:23,
151:3, 151:23,
151:24, 152:1,
153:3, 154:5,
154:16, 154:17,
155:4, 155:11,
155:17, 156:6,
156:17, 157:9,
160:13, 160:15,
160:19, 160:22,
162:5, 162:8,
164:11, 164:12,
164:13, 164:14,
165:15, 165:18,
165:21, 165:25,
166:2, 166:8,
166:23, 167:4,
167:7, 167:10,
167:13, 167:17,
170:14, 170:24,
171:14, 171:24,
172:10, 172:12,
172:15, 172:20,
172:24, 173:3,
173:6, 173:15,
173:18, 173:22,
173:25, 174:4,
174:5, 174:14,
174:15, 174:24,
175:2, 175:6,
175:12, 175:17,
179:4, 180:13,
180:23, 181:24,
182:13, 182:19,
183:5, 183:6,
183:9, 183:10,
183:19, 183:21,
184:12, 184:14,
184:20, 184:25,
186:3, 186:5,
186:7, 186:9,
187:4, 187:16,
188:13, 188:19,
189:3, 205:3
correctly [2] - 18:9,
133:16
correspondence [1]
- 35:14
cosmetologist [1] -
30:13
cosmetology [3] -
30:4, 30:5, 30:11
cost [1] - 20:6
costs [1] - 186:6
couch [1] - 30:9
Counsel [2] - 160:3,
192:15
counsel [8] - 48:12,
49:6, 49:13, 49:18,
51:2, 74:6, 98:6,
189:14
count [2] - 148:17,
148:18
Count [1] - 193:6
counted [1] - 148:19
country [1] - 7:23
counts [2] - 194:23,
196:19
Counts [3] - 193:6,
193:10, 196:18
County [3] - 44:2,
64:12, 64:13
couple [7] - 2:5, 13:3,
17:4, 18:2, 76:16,
101:3, 152:25
course [8] - 3:7, 12:3,
13:12, 50:6, 52:3,
137:17, 137:19,
161:8
Court [27] - 1:21,
1:22, 2:1, 2:6, 4:20,
4:21, 10:9, 10:17,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
212
11:10, 11:19, 14:8,
15:3, 48:16, 50:4,
51:15, 62:5,
190:24, 194:23,
195:8, 198:23,
201:1, 201:7,
201:10, 203:16,
205:7, 205:7
court [4] - 19:24,
83:19, 91:9, 191:13
COURT [286] - 1:1,
2:2, 2:7, 2:11, 2:13,
2:16, 2:18, 2:20,
2:22, 2:25, 3:3, 3:5,
3:7, 3:12, 3:16,
3:19, 3:22, 4:1, 4:4,
4:8, 4:12, 4:23, 5:1,
5:4, 5:16, 5:20, 6:2,
6:5, 6:7, 6:10, 6:14,
6:17, 6:20, 6:23,
6:25, 7:4, 7:8, 7:10,
7:22, 7:25, 8:3, 8:7,
8:9, 8:11, 8:14,
8:18, 8:20, 8:23,
9:1, 9:3, 9:6, 9:11,
9:13, 9:18, 9:21,
9:23, 9:25, 10:21,
11:2, 11:5, 11:13,
11:21, 12:1, 12:9,
12:17, 12:20,
13:11, 13:21,
13:24, 14:7, 14:11,
14:14, 15:7, 15:11,
15:16, 15:19,
15:21, 39:3, 47:13,
47:20, 48:6, 48:10,
48:24, 49:5, 49:8,
49:11, 49:15,
49:18, 49:21,
49:24, 50:8, 50:12,
50:18, 50:22, 51:2,
51:8, 51:17, 51:19,
51:22, 52:3, 52:10,
52:14, 52:17,
52:21, 53:3, 53:12,
53:14, 53:16,
53:18, 54:9, 54:19,
54:23, 55:1, 55:4,
55:7, 55:11, 55:13,
55:25, 56:3, 56:12,
56:16, 56:20,
56:22, 57:2, 57:10,
57:15, 57:21, 58:2,
58:5, 58:9, 58:23,
59:8, 59:11, 59:16,
59:20, 59:24, 60:2,
60:4, 60:11, 60:13,
60:17, 60:20,
60:24, 61:3, 61:7,
61:11, 61:13,
61:18, 61:20,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 212 of
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61:23, 62:1, 62:7,
62:10, 62:13,
62:16, 62:21, 63:1,
63:4, 63:10, 68:12,
68:20, 69:10,
69:18, 69:20,
70:21, 70:23,
70:25, 71:4, 73:25,
74:4, 74:11, 74:22,
75:4, 75:13, 86:4,
86:22, 86:25, 87:5,
87:7, 89:9, 89:11,
89:17, 89:24, 90:9,
90:15, 91:5, 96:14,
97:3, 97:5, 97:7,
97:12, 98:6, 98:9,
98:20, 99:3, 101:2,
101:4, 101:13,
101:16, 101:20,
101:25, 102:3,
102:7, 102:9,
102:15, 102:18,
103:9, 104:16,
104:20, 104:23,
105:2, 106:19,
107:8, 107:11,
108:15, 109:5,
109:7, 109:20,
109:23, 119:6,
119:8, 119:11,
119:14, 135:1,
139:16, 148:25,
150:8, 150:10,
150:14, 159:6,
160:3, 160:7,
160:9, 164:25,
171:20, 177:5,
178:5, 178:23,
182:2, 188:2,
189:12, 189:17,
189:21, 189:24,
190:4, 190:6,
190:12, 190:16,
190:20, 190:23,
191:1, 191:4,
191:7, 191:10,
191:14, 192:3,
192:10, 192:14,
192:20, 193:18,
194:12, 195:6,
195:11, 195:22,
196:3, 196:9,
196:22, 197:13,
197:18, 198:3,
198:11, 198:16,
198:25, 199:4,
199:7, 199:12,
199:19, 200:3,
200:6, 200:21,
202:13, 202:18,
203:16, 204:8,
204:11, 204:13
Court's [9] - 10:20,
47:5, 47:12, 52:7,
52:22, 53:1, 106:4,
119:3, 196:16
COURTROOM [4] -
63:7, 74:9, 91:10,
91:13
courtroom [6] - 5:2,
39:4, 48:2, 55:10,
122:3, 122:11
cover [3] - 120:1,
120:3, 132:9
covered [1] - 17:7
covering [2] - 18:1,
34:3
covers [1] - 195:15
COVID [3] - 65:21,
76:16, 77:1
CPA [6] - 22:7, 46:10,
47:3, 130:13,
132:20, 132:22
create [2] - 134:15,
134:20
created [6] - 59:11,
60:15, 117:21,
130:23, 131:1,
131:11
credibility [1] - 193:2
credit [1] - 38:4
crime [2] - 8:15, 8:18
criminal [4] - 10:11,
19:16, 20:1, 55:17
criteria [1] - 29:2
cross [6] - 13:6,
13:18, 71:3,
101:25, 189:18,
191:1
CROSS [3] - 71:7,
99:5, 121:24
cross-examination
[1] - 13:6
CROSS-
EXAMINATION [3] -
71:7, 99:5, 121:24
Crosspoint [1] -
107:2
Cs [7] - 60:15, 61:6,
61:9, 90:6, 90:24,
121:5, 121:6
curling [1] - 30:5
custodian [2] - 59:5,
59:21
custody [1] - 55:20
customer [3] - 135:8,
135:10, 163:19
cut [1] - 108:4
Cutler [1] - 16:6
D
d/b/a [4] - 55:18,
55:21, 126:21,
152:22
D98B [1] - 170:13
dad [2] - 65:8, 65:9
Daniela [4] - 132:17,
134:13, 134:20,
134:23
dark [1] - 171:19
DARYL [1] - 1:17
data [23] - 136:21,
137:5, 140:7,
146:1, 147:7,
147:8, 150:4,
150:25, 152:3,
152:4, 154:12,
155:1, 155:2,
155:4, 156:13,
157:11, 161:8,
161:11, 163:13,
167:25, 168:16,
180:21
date [20] - 31:4,
104:1, 104:11,
105:8, 107:15,
107:16, 107:18,
107:25, 108:25,
109:15, 110:1,
110:21, 110:25,
113:15, 120:18,
150:23, 151:20,
152:21, 184:25
DATE [1] - 205:5
dated [1] - 115:12
David [2] - 71:20,
99:11
DAVID [1] - 1:13
DAY [1] - 1:7
days [1] - 190:25
Daytona [1] - 3:15
deal [3] - 30:21,
31:25, 32:3
dealing [3] - 17:20,
20:3, 30:21
dealt [1] - 51:14
deceived [1] - 22:24
decide [2] - 203:15,
203:18
deduct [1] - 67:15
defendant [2] -
194:24, 194:25
defendants [2] -
90:20, 198:5
Defendants [1] - 1:8
DEFENDANTS [1] -
1:15
Defendants' [11] -
68:22, 96:17,
98:13, 103:19,
104:5, 108:17,
109:4, 109:11,
110:17, 119:4,
119:22
defender [1] - 48:15
Defense [21] - 23:20,
24:3, 24:25, 55:9,
63:6, 91:12,
102:21, 103:6,
103:10, 103:13,
104:24, 106:1,
106:6, 106:17,
107:12, 109:8,
109:18, 109:21,
119:7, 119:17,
120:22
defense [23] - 13:24,
23:19, 49:20,
63:13, 73:20, 74:6,
74:10, 75:2,
101:20, 191:11,
195:18, 195:22,
195:24, 196:4,
196:10, 196:17,
196:21, 200:16,
202:20, 203:13,
203:19, 203:24,
204:18
definitely [1] - 189:19
definition [1] -
192:25
defraud [4] - 47:7,
196:19, 196:20,
201:15
Delaware [1] - 55:19
deliberate [4] -
194:17, 194:18,
195:5, 197:1
deliberately [2] -
42:6, 194:9
delivered [1] - 180:16
demonstrative [3] -
143:8, 159:14,
187:20
denied [2] - 91:6,
203:18
DENISE [1] - 1:7
denominator [1] -
56:10
depart [2] - 51:4,
191:18
department [1] -
10:12
Department [2] -
10:16, 121:11
deposit [3] - 112:9,
113:5, 113:18
deposited [3] -
Lance W. Steinbeisser - Federal Certified Realtime Reporter
213
113:3, 113:21,
115:6
deputies [2] - 44:14,
45:13
DEPUTY [4] - 63:7,
74:9, 91:10, 91:13
deputy [1] - 195:3
described [1] - 182:5
desire [6] - 9:18,
49:12, 49:13, 50:2,
51:3
detail [1] - 48:19
device [2] - 41:12,
87:15
die [2] - 65:9, 67:19
difference [1] - 33:3
different [14] - 38:1,
63:14, 91:7, 94:4,
94:11, 124:16,
129:12, 160:17,
170:7, 179:25,
182:1, 190:17,
201:10, 203:2
difficult [1] - 170:3
difficulty [3] - 51:9,
52:23, 79:9
digits [1] - 124:10
DiPietrantonio [1] -
15:9
direct [5] - 29:18,
98:7, 135:1,
182:15, 193:1
DIRECT [4] - 15:24,
63:19, 91:17,
102:19
directed [2] - 56:12,
150:15
directly [5] - 25:14,
32:1, 32:14, 94:13,
142:12
director [3] - 17:2,
19:14, 31:15
directors [1] - 17:3
disbursed [2] -
107:18, 184:25
disbursement [1] -
184:25
discovery [3] - 11:16,
52:15, 52:16
discuss [2] - 189:15,
200:25
discussed [5] -
12:21, 20:6, 49:16,
122:10, 197:8
discussing [1] -
58:15
discussion [3] -
42:17, 58:18,
122:13
discussions [1] -
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 213 of
231
69:16
dismissed [1] - 201:6
displayed [1] - 74:25
disposal [1] - 37:23
disproves [1] - 61:19
dispute [5] - 126:20,
138:17, 138:19,
185:2, 188:15
distance [1] - 33:5
Distinctive [1] -
14:23
distinctive [1] - 14:25
District [3] - 1:22,
205:7, 205:8
DISTRICT [3] - 1:1,
1:1, 1:11
document [59] - 11:7,
11:15, 12:20, 13:7,
13:10, 14:1, 14:4,
15:17, 43:15,
44:11, 44:18,
44:19, 52:8, 54:8,
54:13, 54:17, 55:1,
56:3, 58:12, 59:16,
69:1, 69:9, 69:13,
74:25, 75:8, 75:11,
78:5, 78:11, 80:21,
80:23, 81:1, 96:19,
96:21, 96:24, 97:1,
98:16, 98:20,
103:4, 103:17,
104:2, 104:5,
104:12, 106:2,
107:4, 107:22,
109:1, 110:1,
110:19, 111:20,
112:25, 113:2,
113:24, 116:25,
118:25, 126:17,
157:13, 169:13,
178:8, 183:5
documentation [8] -
32:5, 32:7, 32:21,
32:22, 38:6,
116:18, 118:22,
177:14
documentations [1] -
165:4
documents [43] -
11:11, 12:23,
17:16, 20:13, 21:8,
22:22, 25:19,
31:14, 31:23,
33:19, 44:1, 44:10,
47:10, 58:17,
58:24, 59:1, 59:17,
59:22, 62:5, 67:5,
68:2, 90:6, 91:3,
101:24, 106:24,
106:25, 119:20,
121:20, 125:18,
125:19, 151:16,
153:8, 153:14,
155:24, 167:6,
172:5, 173:22,
175:3, 175:10,
177:11, 193:22,
202:25, 204:15
DocuSign [42] - 26:8,
35:19, 35:21,
36:10, 41:10,
41:17, 42:2, 83:14,
84:1, 86:22, 86:23,
128:6, 128:8,
129:9, 169:7,
169:12, 169:20,
169:21, 169:25,
170:6, 170:13,
170:21, 171:18,
171:23, 173:10,
173:25, 174:13,
174:16, 178:8,
178:13, 178:14,
178:18, 180:12,
183:15, 187:7,
187:11, 188:5,
188:11, 188:19,
189:7, 194:3, 203:2
DocuSigned [10] -
36:2, 36:17, 36:19,
41:12, 86:18,
169:9, 170:14,
170:17, 187:8,
202:4
DocuSigns [1] -
36:12
dollars [11] - 22:11,
22:13, 22:16, 28:1,
28:6, 28:7, 43:16,
54:6, 67:12,
112:15, 203:7
DONALD [1] - 1:10
donate [1] - 16:13
done [30] - 19:10,
27:3, 34:5, 34:12,
34:15, 114:7,
117:18, 121:18,
133:1, 133:4,
141:10, 153:2,
159:15, 169:4,
169:7, 177:12,
181:17, 181:20,
181:23, 181:25,
184:8, 188:20,
190:21, 190:22,
194:19, 202:9,
203:10, 203:11
door [2] - 122:7,
122:17
doubt [11] - 136:14,
138:4, 139:2,
152:4, 154:12,
155:3, 192:25,
197:25, 201:13,
202:5, 202:14
down [15] - 5:11,
45:25, 47:20,
75:12, 78:11,
83:19, 105:18,
108:3, 122:18,
177:7, 181:15,
181:16, 181:18,
188:10, 192:20
downstairs [1] -
84:22
draft [2] - 192:16,
197:6
drill [1] - 12:4
Drive [1] - 107:3
driver's [17] - 20:14,
33:21, 54:12, 66:9,
66:21, 68:17,
73:12, 73:13, 76:1,
85:10, 86:17, 95:3,
164:4, 164:6,
165:13, 167:16,
167:21
Driver's [2] - 24:11,
164:7
driving [1] - 10:10
drove [2] - 10:12,
10:16
dryers [1] - 30:5
dual [1] - 117:8
duces [1] - 58:3
duly [2] - 63:6, 91:12
during [17] - 16:3,
19:6, 20:12, 20:16,
31:12, 67:11, 72:4,
88:2, 97:9, 99:16,
138:18, 139:3,
155:15, 155:22,
162:18, 190:18,
202:19
duties [3] - 92:16,
164:24, 165:4
duty [2] - 192:24,
197:1
E
early [1] - 191:25
easier [1] - 157:2
Eastern [1] - 148:15
easy [1] - 27:5
echo [1] - 201:19
Eddie [3] - 27:4, 65:7,
86:15
Edison [3] - 90:25,
91:15, 98:1
EDISON [2] - 91:12,
91:15
Eduardo [24] - 19:6,
19:22, 21:1, 23:4,
24:17, 25:14,
26:12, 26:14,
27:25, 30:23,
43:11, 44:5, 44:23,
45:9, 65:3, 65:7,
65:13, 65:14,
65:17, 93:12,
121:17, 142:2,
142:13, 186:20
Eduardo's [2] -
26:16, 28:16
Edward [1] - 72:1
effect [2] - 29:24,
201:2
effort [1] - 90:5
eight [2] - 127:21,
144:13
EIN [5] - 44:17,
44:18, 44:23,
120:18, 124:13
either [23] - 31:21,
31:25, 32:13,
32:16, 35:2, 44:22,
49:18, 61:22,
72:16, 118:15,
140:2, 140:11,
148:7, 155:11,
172:14, 181:3,
185:11, 194:9,
194:19, 200:7,
202:23, 203:8
electronic [2] -
55:23, 74:3
electronically [1] -
73:18
element [1] - 194:25
Eleventh [5] -
192:16, 192:21,
194:15, 196:12,
199:7
email [33] - 23:24,
24:5, 24:7, 24:22,
25:2, 31:22, 33:14,
34:8, 34:10, 34:12,
34:18, 41:17,
44:24, 58:19,
127:10, 127:11,
127:12, 140:2,
140:10, 140:12,
140:13, 143:4,
146:13, 146:14,
147:4, 148:4,
148:8, 161:20,
172:23, 174:6,
175:11, 183:18,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
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194:5
emailed [6] - 25:6,
179:16, 179:18,
180:18, 192:19
emailing [1] - 23:22
embalming [4] -
17:4, 17:17, 31:17,
31:18
emphasis [1] -
190:17
employed [2] - 92:8,
92:20
employee [1] -
185:21
employees [9] - 46:8,
185:5, 185:9,
185:10, 185:13,
185:19, 185:23,
185:25, 186:16
enclosed [1] - 120:3
end [3] - 118:21,
157:25, 158:2
ended [3] - 33:25,
39:19, 133:9
ending [9] - 110:21,
127:13, 135:20,
136:15, 143:15,
159:10, 168:11,
170:13, 174:17
endorsement [2] -
113:3, 113:16
ends [6] - 13:22,
124:10, 128:9,
173:12, 187:15,
188:12
enforcement [1] -
117:20
engaged [2] - 92:5,
100:5
enlarge [2] - 125:21,
128:1
enlarged [4] - 128:2,
128:22, 129:6,
129:14
ensure [1] - 40:19
entail [1] - 48:18
entails [1] - 48:18
enter [3] - 47:6, 83:3,
198:7
entered [9] - 2:12,
15:20, 63:5,
102:14, 168:11,
168:14, 168:15,
194:2, 199:10
entertain [2] -
191:21, 196:22
entertained [1] - 30:9
entire [4] - 55:23,
88:2, 137:19,
180:18
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 214 of
231
entitled [1] - 205:4
entity [1] - 111:7
entry [4] - 161:17,
163:4, 163:6, 163:7
envelope [8] - 128:6,
128:8, 129:9,
129:12, 170:13,
173:10, 174:16,
180:17
equal [1] - 21:25
equally [2] - 129:19,
129:20
equipment [6] - 29:5,
29:23, 29:25, 30:3,
30:4, 30:7
equity [1] - 40:7
especially [2] -
31:12, 194:16
ESQ [2] - 1:16, 1:17
established [2] -
123:7, 197:25
establishment [2] -
126:24, 152:21
estate [1] - 39:9
estimate [1] - 40:4
et [3] - 5:14, 57:19,
120:19
evening [5] - 191:8,
191:18, 192:1,
203:23, 204:23
event [7] - 150:21,
150:22, 154:7,
155:11, 172:19,
174:3, 188:11
events [15] - 150:17,
152:8, 152:10,
154:3, 154:14,
154:16, 155:10,
155:15, 155:21,
155:22, 172:22,
180:11, 188:8,
188:10
eventually [2] -
45:25, 46:3
evidence [41] - 11:17,
13:1, 14:5, 14:18,
14:20, 15:4, 57:11,
58:18, 69:9, 71:10,
71:12, 73:22,
90:21, 90:22,
90:23, 103:10,
104:25, 107:12,
109:8, 109:21,
119:5, 119:7,
119:16, 125:12,
131:8, 138:15,
139:9, 157:14,
162:20, 191:16,
193:1, 195:18,
195:19, 196:16,
201:1, 201:4,
201:11, 202:2,
204:2, 204:20
Evidence [3] - 14:9,
14:16, 53:5
evidently [2] -
158:13, 158:16
exact [5] - 20:8,
27:23, 32:25,
38:20, 55:8
exactly [10] - 13:23,
17:25, 27:1, 33:10,
33:14, 33:15,
114:7, 146:13,
165:5, 188:7
EXAMINATION [9] -
15:24, 63:19, 71:7,
86:7, 91:17, 99:5,
101:5, 102:19,
121:24
examination [3] -
13:6, 170:10,
182:15
example [7] - 26:4,
40:17, 114:16,
117:13, 140:1,
140:22, 181:15
examples [1] - 16:25
Excel [2] - 147:9,
147:12
excellent [1] - 200:21
except [3] - 74:11,
120:10, 120:11
exception [3] - 12:13,
60:6, 62:6
exchange [2] -
197:16, 197:20
exclude [1] - 97:23
exculpatory [3] -
90:21, 90:23, 91:3
excusal [1] - 101:13
excuse [4] - 24:1,
46:23, 51:10, 60:12
excused [8] - 50:18,
51:2, 51:3, 89:9,
89:11, 89:18,
101:2, 101:16
executed [1] - 188:13
exert [2] - 2:23, 3:1
Exhibit [45] - 21:11,
21:12, 23:20, 24:3,
25:1, 68:23, 73:19,
75:1, 78:3, 78:9,
80:22, 80:24,
96:17, 102:22,
103:10, 103:20,
105:5, 105:22,
105:24, 106:1,
106:18, 107:12,
108:18, 109:8,
109:21, 111:6,
119:5, 119:7,
119:22, 125:13,
127:22, 136:2,
138:1, 138:15,
139:1, 146:20,
150:18, 157:14,
164:2, 170:12,
173:2, 174:11,
180:11, 183:2,
183:7
exhibit [16] - 11:14,
22:12, 31:2, 38:11,
68:4, 73:19, 132:9,
150:11, 150:12,
150:15, 172:18,
175:16, 203:24,
204:1, 204:14,
204:17
exhibits [5] - 125:12,
162:19, 204:2,
204:4, 204:21
Exhibits [1] - 104:24
exist [1] - 12:16
exited [4] - 47:19,
101:19, 160:6,
192:2
expect [1] - 191:15
experience [1] -
17:20
expire [1] - 141:19
expired [3] - 133:9,
140:20, 140:23
explain [9] - 7:5, 9:8,
9:15, 27:17, 57:19,
59:11, 63:8,
115:11, 159:1
explained [8] - 18:12,
23:7, 27:18, 29:1,
47:2, 48:19, 96:3,
140:24
explanation [3] -
49:8, 159:2, 197:1
explanatory [1] -
197:4
Extreme [1] - 67:8
extrinsic [1] - 13:1
F
face [5] - 78:20,
122:16, 122:19
face-to-face [2] -
122:16, 122:19
facing [1] - 87:25
fact [20] - 15:11,
31:12, 60:21,
60:24, 61:9, 61:17,
76:11, 77:13,
79:23, 129:24,
131:19, 142:18,
143:7, 144:8,
153:5, 168:10,
184:4, 200:12,
201:6, 203:15
facts [4] - 46:1,
199:9, 201:13
factually [2] - 14:12,
14:14
failed [1] - 79:17
failing [1] - 80:1
fair [7] - 43:7, 99:17,
99:18, 117:22,
130:5, 131:5,
139:18
fairly [5] - 103:16,
103:25, 104:10,
107:4, 108:24
faith [6] - 195:22,
195:24, 196:4,
196:8, 196:17,
196:21
fake [9] - 52:12,
52:23, 53:2, 53:9,
90:24, 90:25,
134:15, 134:20,
134:23
false [43] - 22:20,
42:15, 43:13, 60:9,
60:15, 116:14,
116:17, 116:24,
126:2, 126:3,
126:7, 126:13,
126:18, 126:22,
126:24, 127:18,
127:22, 129:3,
129:19, 129:20,
131:7, 131:20,
131:22, 152:16,
152:22, 155:16,
155:23, 167:22,
176:9, 184:11,
184:22, 186:7,
186:10, 186:11,
186:12, 194:7,
194:10, 194:11,
194:24, 195:1,
196:20, 201:17
falsified [1] - 45:22
familiar [3] - 28:13,
65:2, 100:15
families [2] - 17:5,
112:7
family [4] - 93:21,
99:17, 99:25,
117:22
far [15] - 18:12, 19:4,
19:13, 19:15,
20:25, 25:19, 26:5,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
215
94:10, 102:11,
123:1, 146:5,
168:8, 195:17,
195:23, 196:9
fashioned [1] - 89:4
fast [2] - 45:9, 192:7
fast-talk [1] - 45:9
favor [1] - 201:5
favorable [3] - 201:4,
201:11, 201:14
favorite [1] - 39:6
FBI [3] - 88:12, 88:16,
101:10
FCRR [2] - 1:21,
205:6
FDC [1] - 50:17
Federal [2] - 14:9,
53:4
federal [2] - 14:16,
48:15
fee [1] - 27:17
feed [1] - 16:14
feelings [1] - 22:23
fees [2] - 20:6, 112:6
felt [1] - 19:11
few [7] - 54:5, 54:17,
86:6, 122:21,
149:25, 169:14,
204:4
Fi [3] - 137:3, 137:9,
137:12
Fifth [37] - 2:9, 2:17,
2:23, 3:20, 3:23,
3:24, 4:2, 4:13,
4:18, 4:24, 5:5, 5:8,
5:13, 5:17, 5:18,
5:21, 6:8, 6:11,
6:20, 7:5, 7:10,
7:12, 7:13, 7:16,
7:19, 8:4, 8:5, 8:16,
9:8, 9:16, 48:17,
48:19, 48:24, 49:2,
49:3, 49:9
figure [1] - 43:11
figured [2] - 19:17,
28:18
file [32] - 22:25, 26:2,
35:10, 46:24, 47:9,
55:2, 55:23, 56:1,
56:4, 56:6, 56:17,
56:25, 60:22,
61:17, 61:18,
61:21, 90:7,
117:12, 117:14,
121:5, 121:6,
133:16, 147:10,
150:22, 151:14,
154:7, 154:9,
154:18, 154:21
filed [24] - 11:6,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 215 of
231
12:16, 21:5, 21:7,
21:8, 21:16, 22:4,
35:12, 54:21, 61:6,
61:13, 86:19,
90:24, 91:1, 117:2,
117:4, 121:3,
124:3, 124:6,
129:21, 130:9,
130:13, 130:16
filers [3] - 128:19,
129:16, 173:10
files [9] - 11:8, 56:7,
56:9, 56:10, 90:11,
90:13, 123:25,
151:2, 154:10
filing [4] - 61:8,
61:10, 117:8, 133:5
finally [1] - 51:7
financially [1] - 43:7
finder [1] - 201:6
fine [5] - 39:5, 39:6,
51:23, 70:24,
198:19
finger [1] - 86:24
finish [2] - 98:10,
102:10
finished [2] - 86:5,
179:15
finishes [1] - 57:22
firm [1] - 134:11
first [40] - 17:23,
19:1, 33:18, 36:1,
36:13, 37:17,
41:10, 42:8, 43:23,
50:5, 54:15, 54:17,
58:21, 72:10,
83:18, 116:20,
119:13, 120:12,
120:13, 130:6,
130:7, 143:12,
154:18, 155:20,
162:21, 162:22,
165:21, 168:16,
168:18, 170:10,
170:12, 176:3,
178:7, 178:9,
178:15, 178:20,
178:21, 180:5,
183:5, 199:20
five [7] - 2:10, 76:12,
98:8, 143:21,
144:11, 156:19,
191:20
flagging [1] - 196:15
FLORIDA [1] - 1:1
Florida [12] - 1:3,
1:23, 24:11, 30:18,
64:4, 92:1, 95:13,
107:3, 123:17,
164:7, 205:8, 205:8
fluctuates [2] -
185:16, 185:18
folks [1] - 54:12
follow [2] - 57:21,
192:24
following [4] - 90:4,
91:9, 189:16,
191:13
FOR [1] - 1:12
for.. [1] - 197:16
foregoing [1] - 205:3
forever [2] - 140:17,
141:14
forget [1] - 60:24
forgiveness [10] -
118:15, 118:17,
118:23, 182:12,
183:8, 183:12,
184:4, 184:6,
193:25, 203:4
form [16] - 67:25,
68:9, 74:3, 124:6,
128:19, 129:15,
139:14, 150:9,
173:9, 174:12,
177:4, 184:22,
197:1, 197:2,
197:3, 197:5
Form [1] - 169:10
formally [2] - 71:16,
122:16
formed [1] - 133:5
formerly [2] - 199:24,
200:10
forms [1] - 172:5
Fort [1] - 95:14
forth [2] - 170:1,
202:21
forward [8] - 2:13,
11:5, 16:17, 47:22,
48:11, 48:23,
53:19, 188:6
forwarded [5] -
183:14, 183:15,
183:18, 184:4,
188:8
foundation [8] -
11:14, 12:24,
12:25, 13:12,
13:25, 14:10, 15:4,
58:12
Foundation [1] -
16:10
Four [1] - 154:21
four [13] - 124:10,
129:10, 144:11,
144:22, 155:13,
155:15, 155:21,
155:22, 167:6,
167:20, 188:7,
203:2, 203:10
FPR [2] - 1:21, 205:6
FPR-C [2] - 1:21,
205:6
frame [1] - 27:1
frankly [2] - 91:6,
198:11
fraud [2] - 194:23,
196:18
fraudulent [14] -
42:17, 42:25, 43:4,
43:23, 43:25, 44:1,
47:9, 116:24,
117:1, 117:19,
118:24, 134:18,
177:14, 202:6
fraudulently [1] -
134:22
free [1] - 148:18
frequently [1] - 40:21
fresher [1] - 192:13
friend [1] - 48:22
friends [1] - 196:6
front [11] - 7:19,
62:19, 74:15,
119:23, 119:25,
125:15, 126:17,
127:22, 164:7,
167:16, 177:22
full [1] - 63:21
fully [1] - 193:16
funding [3] - 157:3,
157:9, 157:17
funds [1] - 108:25
funeral [38] - 16:22,
16:25, 17:2, 17:3,
17:9, 17:11, 17:12,
18:2, 18:10, 19:4,
19:11, 19:13,
19:15, 22:10, 23:1,
23:11, 26:17,
26:19, 31:14,
31:15, 34:2, 34:3,
65:8, 94:17, 95:18,
112:8, 114:11,
114:12, 115:16,
120:23, 123:12,
123:17, 165:4,
166:7, 166:11,
166:19, 184:18
Funeral [55] - 16:3,
16:6, 21:15, 23:1,
23:5, 24:5, 24:12,
24:15, 24:18, 46:7,
93:9, 94:7, 95:3,
96:6, 96:9, 111:8,
112:21, 112:22,
113:4, 113:6,
113:25, 114:9,
119:10, 119:20,
120:17, 123:24,
124:3, 124:13,
124:25, 130:11,
132:7, 132:10,
133:4, 133:10,
138:12, 138:17,
143:14, 154:4,
158:11, 158:12,
161:3, 162:5,
162:6, 162:7,
163:17, 168:12,
176:13, 176:14,
179:7, 179:9,
181:13, 182:6,
185:24, 186:1,
186:17
funerals [2] - 17:7,
65:10
furniture [1] - 30:7
G
Galaxy [9] - 135:21,
135:24, 136:12,
136:14, 136:22,
144:16, 144:23,
145:21, 165:18
gatherings [1] -
26:18
general [3] - 14:18,
192:23, 193:6
generally [1] - 119:8
gentleman [2] - 5:1,
64:20
gentlemen [5] -
47:13, 53:20,
102:15, 182:3,
191:14
genuine [1] - 194:8
Gilbert [2] - 47:22,
48:14
GILBERT [5] - 48:14,
49:1, 50:16, 50:19,
51:1
girlfriend [1] - 100:5
given [12] - 20:8,
113:6, 114:7,
115:13, 142:2,
142:13, 153:13,
188:25, 195:1,
197:7, 201:25,
202:1
glanced [1] - 177:20
God [3] - 82:9, 85:5,
89:19
good-faith [5] -
195:22, 195:24,
196:4, 196:17,
196:21
Lance W. Steinbeisser - Federal Certified Realtime Reporter
216
Government [88] -
8:13, 10:21, 10:23,
11:9, 11:15, 11:21,
12:21, 13:2, 22:5,
31:2, 35:15, 38:11,
46:3, 47:7, 49:21,
52:1, 52:8, 52:13,
52:14, 52:19,
52:20, 55:5, 56:20,
58:11, 58:15,
58:25, 60:25,
61:24, 62:2, 73:19,
74:7, 74:10, 75:1,
75:9, 78:3, 78:9,
80:22, 80:24,
101:25, 102:5,
126:17, 127:25,
128:2, 128:22,
129:8, 129:13,
131:8, 136:2,
136:3, 137:22,
138:1, 138:15,
139:1, 146:20,
147:9, 148:10,
150:17, 157:14,
162:19, 164:2,
165:23, 170:12,
170:20, 172:9,
173:2, 173:8,
174:11, 175:16,
175:20, 179:16,
180:3, 180:10,
183:2, 183:7,
197:15, 197:19,
198:3, 198:4,
198:12, 199:10,
200:9, 201:5,
201:12, 201:15,
201:16, 202:16,
202:21, 204:3
GOVERNMENT [1] -
1:12
Government's [24] -
10:19, 11:11,
21:11, 21:12,
23:19, 73:21, 90:8,
90:9, 90:10, 90:11,
111:9, 111:19,
112:24, 113:8,
113:23, 114:21,
114:24, 115:2,
125:13, 127:22,
143:8, 187:20,
196:17, 202:20
GRAHAM [1] - 1:10
Granados [53] - 22:9,
22:19, 22:25, 23:3,
23:9, 23:22, 24:6,
25:6, 25:14, 30:24,
33:17, 37:2, 51:14,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 216 of
231
53:21, 56:8, 56:18,
60:15, 61:12, 65:3,
65:11, 68:15,
69:22, 93:15,
94:14, 95:2,
116:14, 116:24,
121:1, 130:21,
142:3, 142:11,
142:14, 151:12,
183:14, 183:16,
184:2, 186:20,
188:6, 188:9,
195:16, 197:24,
198:10, 198:13,
199:10, 199:21,
199:25, 200:4,
200:10, 200:13,
201:20, 201:22,
202:6, 203:7
Granados' [3] -
98:24, 198:24,
199:2
Granados's [1] -
29:16
grant [2] - 100:21,
100:22
grants [1] - 94:11
great [2] - 7:24, 192:1
greater [1] - 118:8
gross [9] - 21:24,
67:13, 67:14,
120:19, 120:20,
126:15, 128:20,
129:16
Group [2] - 28:12,
29:17
guarantee [1] -
176:16
guarantees [1] - 8:10
guess [18] - 10:3,
11:2, 29:5, 34:4,
34:9, 39:5, 65:9,
73:21, 74:6, 78:22,
79:21, 82:2,
110:21, 115:19,
120:2, 120:16,
131:5
guessing [3] - 159:4,
159:5, 159:7
guilty [2] - 8:15, 8:21
guy [1] - 89:4
H
hair [2] - 25:9, 30:5
hall [1] - 48:2
Hallandale [2] - 16:4,
123:10
hand [2] - 91:10,
115:18
handle [1] - 165:6
handled [3] - 17:16,
164:23, 165:3
handwritten [1] -
204:1
happy [2] - 146:23,
196:24
hard [1] - 157:1
Haydee [55] - 23:22,
24:6, 25:6, 29:16,
30:25, 37:2, 42:14,
45:11, 56:16,
60:15, 61:12, 65:3,
65:11, 65:16,
68:15, 69:22, 72:1,
75:22, 83:24,
86:11, 88:2, 93:15,
93:16, 116:14,
116:23, 117:18,
118:10, 121:1,
130:19, 130:21,
131:11, 142:3,
142:11, 149:12,
164:11, 165:3,
183:14, 183:16,
184:2, 186:19,
197:24, 198:10,
198:13, 198:24,
199:10, 199:20,
199:24, 200:3,
200:9, 200:10,
200:13, 201:22,
203:7
Haydee's [1] - 77:12
HDMI [3] - 71:6,
121:22, 125:11
Head [6] - 16:9, 25:9,
25:11, 37:1, 44:21,
113:21
hear [9] - 20:1, 89:24,
153:17, 156:24,
170:2, 170:15,
183:23, 192:5,
198:25
heard [10] - 72:10,
82:12, 100:17,
117:13, 118:14,
144:5, 183:19,
195:8, 195:17,
195:23
hearing [4] - 54:15,
55:17, 170:4,
200:24
hearsay [10] - 11:19,
12:11, 60:6, 60:7,
61:8, 61:9, 62:6,
90:21, 91:4
HELD [1] - 1:10
held [6] - 90:4, 91:9,
122:7, 159:11,
189:16, 191:13
help [7] - 18:15, 86:1,
87:21, 114:12,
134:3, 175:19
helped [2] - 17:7,
18:25
helpful [1] - 204:3
helping [1] - 18:24
Hendrith [1] - 1:19
herself [8] - 111:13,
113:10, 113:11,
115:10, 193:8,
193:9, 193:11,
203:8
highlighted [8] -
154:15, 154:19,
156:19, 159:18,
162:20, 163:14,
163:15, 163:17
himself [2] - 167:12,
193:20
history [4] - 20:1,
110:23, 121:18,
180:11
hold [1] - 68:2
holding [2] - 122:17,
164:6
home [45] - 16:9,
16:22, 17:1, 17:11,
17:12, 18:2, 18:10,
19:11, 19:15,
22:10, 23:1, 23:11,
26:17, 26:19,
31:14, 34:2, 34:3,
39:13, 39:16, 41:7,
72:1, 94:17, 95:18,
101:8, 114:12,
115:17, 120:23,
123:12, 123:17,
138:24, 165:4,
166:7, 166:11,
166:19, 184:18,
187:24, 188:1,
188:4, 188:13,
188:17, 188:19,
188:20, 188:23,
189:9, 203:5
Home [51] - 16:3,
16:6, 21:15, 23:2,
23:5, 24:5, 24:12,
24:15, 46:7, 94:7,
95:3, 96:6, 96:10,
111:8, 112:21,
112:22, 113:7,
113:25, 114:9,
119:10, 119:20,
120:17, 123:25,
124:3, 124:13,
124:25, 130:11,
132:7, 132:11,
133:4, 133:10,
138:12, 138:17,
143:14, 154:4,
158:12, 161:3,
162:5, 162:6,
162:7, 163:17,
168:12, 176:14,
179:7, 179:9,
181:14, 182:6,
185:24, 186:1
Home's [3] - 24:18,
113:4, 186:17
homeless [2] - 16:12,
16:14
Homes [1] - 93:10
homes [5] - 19:4,
64:18, 64:19, 65:8
honest [1] - 67:19
Honor [28] - 2:15,
4:3, 11:18, 12:8,
14:6, 48:14, 49:2,
49:4, 50:16, 50:19,
50:20, 51:1, 51:5,
57:20, 60:3, 62:4,
71:3, 73:18, 80:18,
90:2, 90:5, 98:19,
99:4, 121:21,
190:24, 196:15,
201:8, 204:24
HONORABLE [1] -
1:10
hopefully [1] -
203:25
hour [5] - 102:5,
102:8, 164:22,
189:19, 191:3
hours [8] - 102:2,
189:21, 190:3,
190:8, 192:5, 192:6
house [15] - 53:24,
65:20, 66:10,
66:11, 67:17,
77:12, 85:20,
85:23, 88:25,
100:7, 100:9,
100:11, 116:10,
166:4, 188:21
houses [1] - 66:15
human [1] - 122:18
hundred [4] - 22:10,
54:6, 67:11, 106:14
hung [1] - 45:17
Hunter [1] - 118:13
hurricane [1] - 51:13
hurry [2] - 27:7,
118:10
hurt [1] - 22:24
husband [6] - 42:14,
43:10, 116:24,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
217
118:10, 186:20,
203:8
I
ID [11] - 68:23, 96:17,
98:14, 128:6,
128:8, 129:9,
129:12, 170:13,
173:10, 174:16,
204:13
idea [8] - 27:16,
101:25, 116:13,
117:1, 152:16,
155:16, 167:21,
176:9
identical [3] - 128:22,
129:3, 129:16
identification [11] -
73:19, 75:1, 78:3,
80:22, 102:22,
106:19, 107:8,
108:18, 109:11,
119:6, 204:7
identifier [5] -
140:10, 146:5,
147:14, 148:6
identify [1] - 109:12
identifying [3] -
14:18, 14:19, 69:3
identity [8] - 72:25,
73:4, 79:20, 80:9,
163:25, 165:25,
167:17, 193:23
ignorance [1] - 195:5
ignored [4] - 42:6,
42:10, 178:9,
178:20
illegal [1] - 45:10
immediately [4] -
10:11, 44:5, 45:7,
117:15
impacted [1] - 51:12
impeach [1] - 13:1
impeachment [2] -
14:2, 193:2
important [2] - 57:8,
57:11
improper [1] - 195:9
inaccurately [2] -
158:13, 158:16
Inc [2] - 55:18, 55:21
incident [1] - 10:24
inclined [1] - 62:5
include [6] - 93:3,
121:2, 178:15,
193:7, 202:23,
204:20
included [7] - 22:20,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 217 of
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70:7, 96:24, 97:1,
116:18, 118:24,
121:8
includes [1] - 204:2
including [6] - 55:22,
163:10, 173:20,
173:21, 175:1,
175:3
income [7] - 21:22,
21:23, 124:2,
126:15, 128:20,
129:16, 177:24
inconsistent [5] -
6:23, 6:25, 7:14,
7:16, 193:3
incorporated [1] -
120:18
incriminate [2] -
5:23, 6:12
incrimination [1] -
3:3
incur [1] - 112:7
independent [2] -
185:20, 185:25
indicate [7] - 18:25,
28:19, 28:22, 37:3,
110:9, 110:13,
120:20
indicated [7] - 16:18,
22:12, 28:19,
62:24, 68:6, 87:20,
117:17
indicates [3] - 21:22,
53:21, 156:9
indicating [1] - 31:22
indictment [4] -
22:21, 195:4,
198:17, 200:17
indifference [2] -
194:17, 194:18
indifferently [2] -
194:14, 194:20
individual [8] - 8:12,
65:2, 93:12, 97:19,
118:13, 124:3,
129:22, 130:16
individually [2] -
97:24, 133:2
individuals [2] - 4:5,
117:8
indulgence [4] -
47:5, 47:12, 106:4,
119:3
inferences [1] -
201:4
inform [1] - 48:17
information [60] -
32:17, 33:11,
33:17, 33:22,
42:25, 43:4, 47:25,
56:13, 59:18,
59:21, 69:3, 83:3,
85:6, 95:19, 95:25,
116:14, 116:17,
116:25, 117:19,
118:24, 120:16,
127:21, 128:21,
128:23, 129:2,
129:14, 129:17,
131:2, 152:17,
152:23, 155:16,
155:23, 156:5,
158:20, 161:19,
162:3, 162:11,
162:16, 162:17,
162:21, 162:22,
163:1, 163:4,
163:6, 163:7,
167:22, 170:9,
172:3, 172:4,
173:21, 175:2,
176:10, 184:22,
186:3, 187:3,
194:8, 194:10,
201:25, 202:7
initial [8] - 20:16,
161:19, 171:18,
171:23, 172:10,
173:24, 175:5,
182:19
initialed [3] - 180:10,
183:11, 187:5
initialled [6] - 174:13,
179:1, 179:3,
179:5, 186:24
initialling [9] - 41:22,
41:24, 41:25,
171:14, 171:15,
172:1, 172:15,
181:5
initials [17] - 170:21,
170:24, 171:1,
171:5, 171:7,
171:25, 172:7,
173:14, 173:17,
174:18, 174:23,
178:25, 179:6,
179:11, 183:4,
186:22, 203:5
initiate [1] - 33:8
initiated [1] - 203:6
ink [1] - 193:12
inkling [4] - 116:13,
167:22, 176:9,
194:7
innocence [1] -
192:25
input [5] - 85:6,
116:14, 117:19,
185:8, 185:10
inputted [1] - 116:24
inquiring [1] - 18:14
inquiry [1] - 13:22
inside [2] - 66:10,
72:13
install [2] - 92:17,
93:1
installation [1] -
92:15
installed [1] - 96:11
installing [1] - 93:3
instance [2] - 140:22,
171:9
instances [2] - 167:3,
167:9
instead [2] - 21:16,
199:2
instructed [1] - 188:6
instructing [1] -
41:19
instruction [12] -
193:5, 193:6,
193:14, 194:21,
195:1, 195:5,
195:9, 195:15,
195:19, 195:21,
199:8, 200:13
instructions [10] -
157:17, 157:18,
192:16, 192:17,
192:24, 194:17,
196:12, 197:9,
199:18, 200:23
insurance [2] - 38:3
integrity [1] - 121:14
intend [2] - 193:14,
195:19
intent [3] - 196:19,
196:20, 201:15
intention [1] - 10:17
intentionally [1] -
194:20
interaction [2] -
17:10, 122:18
interested [2] - 72:6,
201:2
Internal [1] - 124:2
internal [1] - 14:25
Internet [9] - 92:18,
136:22, 136:25,
137:4, 137:5,
137:13, 138:23,
143:14, 189:9
introduce [4] - 11:7,
54:20, 90:6, 101:24
introduced [3] - 31:2,
38:11, 55:15
introducing [1] -
52:23
introduction [2] -
193:4, 193:5
investigation [2] -
44:13, 46:1
investigator [1] -
5:14
invoke [1] - 2:9
invoked [1] - 55:13
invoking [1] - 49:1
involved [7] - 13:14,
41:3, 49:25, 50:23,
53:16, 85:2, 133:22
IP [37] - 56:5, 56:8,
58:7, 137:22,
138:5, 138:11,
138:17, 139:2,
139:4, 143:14,
144:15, 162:3,
162:4, 162:6,
162:10, 162:20,
162:21, 163:15,
163:16, 163:18,
168:11, 168:12,
168:19, 173:2,
174:7, 187:11,
187:18, 187:21,
187:23, 188:12,
188:16, 188:20,
188:24, 189:2,
189:6, 202:24
iPhone [3] - 151:5,
151:9, 151:11
irons [1] - 30:5
irrelevant [1] - 60:9
IRS [4] - 117:7,
117:15, 121:11,
126:15
issue [19] - 9:1,
48:23, 48:25, 53:4,
53:5, 60:1, 74:2,
79:16, 91:8,
193:13, 194:19,
195:13, 196:11,
196:13, 196:24,
197:24, 200:19,
200:25, 203:24
issued [3] - 11:9,
58:25, 60:25
issues [6] - 13:13,
17:3, 47:15, 63:11,
197:5, 203:22
item [5] - 14:19,
14:21, 15:1, 60:7,
193:7
Item [1] - 193:8
items [3] - 60:8, 60:9,
204:20
itself [3] - 26:17,
170:18, 194:1
Lance W. Steinbeisser - Federal Certified Realtime Reporter
218
J
Jamil [1] - 118:13
Jersey [6] - 28:12,
28:15, 28:17,
29:17, 65:7, 65:14
Jesus [1] - 89:5
JOHNNY [1] - 1:16
Johnny [1] - 1:16
joint [3] - 37:4,
153:11, 159:11
JP [1] - 48:14
JR [1] - 1:16
Jr [1] - 1:16
Judge [52] - 2:5,
11:24, 15:23, 48:3,
49:20, 50:11, 51:6,
51:23, 52:5, 54:21,
54:25, 55:16, 56:2,
56:11, 56:19, 57:5,
57:24, 58:22,
61:22, 62:2, 62:11,
63:8, 63:23, 70:24,
74:17, 86:6, 90:18,
90:19, 96:22, 98:3,
99:2, 102:17,
106:16, 108:14,
109:3, 109:17,
109:22, 119:9,
134:24, 148:22,
150:6, 178:22,
191:12, 192:18,
194:6, 195:4,
197:21, 198:6,
198:15, 199:11,
200:19
JUDGE [1] - 1:11
judge [40] - 10:6,
12:22, 50:4, 51:25,
53:9, 55:10, 55:15,
57:25, 59:23,
59:25, 61:24, 68:9,
68:18, 69:8, 69:16,
71:1, 74:7, 74:8,
74:10, 77:24, 89:7,
89:23, 96:13, 97:4,
101:22, 103:6,
104:14, 105:1,
107:7, 119:4,
119:12, 139:14,
190:5, 193:16,
195:20, 195:25,
197:10, 198:20,
201:19, 204:6
judges [1] - 194:16
July [8] - 106:8,
135:16, 135:19,
148:14, 148:21,
149:6, 203:11
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 218 of
231
June [7] - 106:3,
110:2, 135:16,
135:19
juror [1] - 2:3
jurors [2] - 3:12,
192:23
jurors' [1] - 71:11
jury [31] - 3:10,
15:19, 16:24,
38:16, 39:12, 40:4,
41:1, 50:8, 51:25,
62:18, 62:20, 63:4,
63:9, 65:5, 73:21,
74:5, 74:12, 86:10,
110:18, 152:14,
167:19, 178:16,
189:5, 194:9,
198:8, 201:6,
201:12, 202:12,
203:15, 203:18,
204:16
Jury [7] - 15:20,
47:19, 63:5,
101:19, 102:14,
160:6, 192:2
JURY [1] - 1:10
jury's [2] - 50:12,
74:12
K
keep [2] - 53:18,
170:1
kept [15] - 34:6,
44:17, 65:10,
66:10, 66:14,
66:15, 73:15, 80:1,
85:3, 85:11, 86:15,
88:6, 88:7, 140:24,
140:25
kids [1] - 16:13
kind [7] - 5:11, 17:22,
43:7, 57:22,
100:11, 114:9,
114:10
knowing [1] - 82:2
knowingly [5] -
194:13, 194:19,
194:24, 194:25,
201:16
knowledge [5] -
35:14, 123:7,
127:2, 164:20,
165:8
known [10] - 24:20,
43:12, 76:4, 78:15,
93:16, 117:12,
117:19, 130:21,
199:24, 200:10
knows [3] - 5:9, 5:10,
26:14
L
laborers [4] - 46:11,
114:6, 114:11,
186:13
ladies [3] - 47:13,
102:15, 191:14
lady [5] - 64:25,
94:16, 97:15, 100:6
laid [3] - 11:13,
14:10, 15:3
LANCE [1] - 1:21
Lance [1] - 205:6
language [3] - 55:8,
56:7, 197:22
laptop [4] - 41:8,
74:24, 74:25, 88:25
larger [1] - 128:1
last [26] - 2:2, 3:5,
3:23, 4:18, 5:6,
54:16, 90:5, 91:7,
100:8, 104:4,
120:12, 124:10,
129:10, 132:8,
140:17, 144:14,
172:2, 172:9,
173:20, 174:11,
175:1, 178:5,
188:11, 191:11,
195:18, 203:11
lasted [1] - 141:14
Lauderdale [1] -
95:14
laugh [1] - 81:18
laughing [1] - 89:14
law [2] - 117:20,
194:15
Law [1] - 1:16
lawn [3] - 92:25,
114:13
lawyer [6] - 5:9, 7:2,
7:4, 7:13, 9:7, 9:15
lawyers [3] - 5:10,
12:5, 39:3
lay [1] - 13:25
lays [1] - 13:11
leading [2] - 70:22,
97:11
learn [4] - 19:23,
22:19, 32:8, 116:16
learned [9] - 2:10,
44:3, 116:20,
121:7, 125:19,
125:20, 130:3,
130:7
lease [2] - 181:15,
181:16
least [8] - 94:25,
102:2, 184:21,
190:3, 190:7,
192:5, 196:2, 198:6
leave [1] - 51:22
left [3] - 66:14,
125:13, 146:5
legal [14] - 48:21,
55:18, 55:22,
125:24, 125:25,
126:1, 127:6,
160:25, 168:1,
168:8, 168:19,
177:24, 179:7,
184:10
legally [1] - 100:3
legitimacy [1] - 21:20
legitimate [3] -
121:20, 134:11,
194:8
lender [2] - 36:7,
176:4
letter [2] - 88:15,
132:9
letting [1] - 53:18
liability [1] - 123:17
license [23] - 10:10,
10:13, 19:13,
19:14, 19:17,
20:15, 30:17,
33:21, 54:12, 66:9,
66:21, 68:17,
73:12, 73:13, 76:1,
85:10, 86:17, 95:4,
164:4, 164:6,
165:14, 167:16,
167:21
License [2] - 24:11,
164:7
licensed [3] - 30:13,
30:18, 133:1
lie [1] - 134:13
life [6] - 7:24, 38:3,
70:1, 93:20, 99:20,
120:9
lifespan [1] - 141:5
light [3] - 201:4,
201:11, 201:14
limited [2] - 123:17,
141:5
line [10] - 126:16,
128:18, 135:20,
148:1, 149:22,
154:18, 162:22,
168:16, 168:18,
181:19
link [6] - 41:18,
59:24, 83:12,
153:18, 155:11,
178:18
linked [3] - 153:10,
153:21, 155:6
linking [1] - 203:1
list [7] - 46:22,
137:22, 203:25,
204:1, 204:14,
204:17, 204:20
listed [1] - 179:9
listen [9] - 81:14,
81:20, 82:17,
83:22, 133:23,
137:10, 141:3,
153:16
listening [1] - 57:24
live [8] - 39:15,
39:16, 64:2, 64:3,
64:14, 67:16,
91:25, 123:9
lived [4] - 40:1, 64:5,
92:2, 139:3
living [2] - 64:8,
67:17
LLC [4] - 67:8, 94:4,
119:10, 133:10
loan [130] - 18:6,
18:12, 18:16,
18:22, 19:1, 19:12,
20:5, 20:10, 20:20,
23:1, 23:4, 23:7,
23:10, 25:24, 26:5,
26:23, 27:2, 27:6,
27:12, 27:13, 28:2,
29:1, 29:3, 31:11,
34:4, 35:17, 35:21,
35:23, 35:24,
38:13, 38:23,
39:21, 40:23, 41:1,
41:10, 45:4, 45:14,
46:9, 51:15, 53:12,
53:24, 53:25,
55:22, 55:24, 56:1,
58:8, 65:25, 66:2,
68:7, 72:6, 72:23,
75:21, 77:10,
78:17, 79:10, 81:6,
82:1, 82:22, 83:14,
88:13, 93:23,
93:25, 94:2, 94:7,
94:13, 95:19, 96:1,
96:4, 97:10,
100:18, 100:20,
100:23, 113:14,
116:12, 118:23,
121:3, 121:13,
124:18, 124:24,
130:23, 133:25,
142:24, 144:19,
145:14, 145:20,
146:1, 148:20,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
219
152:17, 153:24,
155:17, 156:20,
158:21, 159:21,
160:12, 160:19,
162:8, 165:25,
166:8, 167:4,
167:7, 167:10,
167:13, 167:23,
169:5, 175:24,
175:25, 176:10,
176:12, 176:15,
176:16, 177:11,
177:12, 177:13,
179:15, 179:17,
180:12, 181:18,
181:23, 182:8,
183:9, 184:18,
184:24, 185:2,
185:6, 193:23,
193:24, 202:22,
203:3, 203:6
loans [17] - 18:18,
18:19, 18:20,
18:25, 30:22, 31:6,
32:25, 38:4, 40:10,
94:10, 94:22,
117:24, 118:16,
179:19, 179:21,
179:25, 181:10
local [3] - 37:6,
112:3, 112:4
located [2] - 16:4,
16:6
log [8] - 82:21,
139:25, 140:1,
140:11, 146:9,
149:5, 153:6, 194:2
logged [10] - 82:18,
139:20, 141:7,
148:14, 151:19,
152:11, 152:15,
153:1, 153:2,
193:20
logging [13] - 141:21,
144:18, 144:22,
145:6, 145:13,
145:20, 146:1,
148:11, 149:3,
149:7, 149:9,
167:4, 202:23
login [10] - 140:15,
143:18, 143:22,
144:6, 144:13,
145:1, 145:10,
145:17, 145:24,
148:13
logins [14] - 143:21,
144:10, 145:4,
148:19, 149:2,
149:3, 149:18,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 219 of
231
151:22, 152:6,
152:7, 152:10,
152:23, 155:20,
167:20
long-time [1] - 196:6
longtime [1] - 132:18
look [41] - 21:22,
38:6, 68:23, 76:2,
81:18, 82:2, 96:17,
102:22, 103:20,
107:21, 110:22,
112:24, 113:15,
119:13, 127:25,
129:5, 131:7,
131:8, 140:7,
147:7, 149:24,
150:20, 152:8,
156:4, 169:18,
176:11, 180:10,
183:1, 184:3,
184:7, 184:9,
184:10, 192:15,
193:13, 194:15,
196:12, 197:6,
204:14, 204:16
looked [21] - 22:21,
38:8, 46:1, 77:8,
129:12, 129:17,
140:3, 149:18,
151:19, 155:13,
160:15, 167:3,
167:6, 167:9,
167:12, 167:15,
168:16, 169:13,
180:4, 182:23,
186:15
looking [23] - 44:9,
44:10, 44:17, 45:1,
45:2, 105:5,
109:25, 113:16,
143:7, 145:10,
145:24, 150:17,
152:5, 152:7,
157:3, 157:13,
159:14, 159:15,
160:11, 180:16,
183:7, 187:19,
201:3
loss [1] - 62:13
lost [1] - 104:16
LOVE [3] - 1:13,
190:2, 196:15
low [2] - 93:2, 93:5
low-voltage [1] - 93:2
Lucie [4] - 40:1,
106:12, 107:3
lunch [3] - 75:6,
98:11, 101:17
Lunch [1] - 102:13
lunchtime [2] -
191:22, 191:23
M
machinations [2] -
57:16, 59:12
mag [2] - 7:1, 9:25
magistrate [1] -
47:25
maintained [1] - 12:3
maintenance [1] -
114:14
man [2] - 4:17, 7:21
manner [2] - 34:5,
34:15
marked [27] - 21:4,
21:11, 23:18,
68:22, 73:18,
74:25, 78:2, 78:7,
78:9, 80:21, 96:16,
98:13, 102:21,
103:9, 103:12,
103:19, 104:4,
104:23, 106:17,
107:11, 108:17,
109:7, 109:10,
143:8, 187:20,
204:6, 204:13
married [8] - 65:15,
92:4, 93:18, 99:23,
100:2, 100:3,
100:4, 100:5
master [1] - 32:13
match [1] - 57:19
material [3] - 172:5,
175:2, 187:4
matter [14] - 10:6,
11:6, 12:14, 12:17,
47:14, 47:15, 48:4,
48:6, 51:3, 60:17,
61:4, 90:2, 191:24,
205:4
matters [1] - 2:5
max [1] - 98:8
MCCRAY [154] - 1:16,
2:5, 2:8, 4:13, 4:16,
10:6, 15:23, 15:25,
39:7, 47:12, 49:20,
50:4, 50:7, 50:11,
51:6, 51:10, 51:18,
51:21, 51:23, 52:5,
52:12, 52:16,
52:18, 52:22, 53:9,
53:13, 53:15,
53:17, 53:20,
54:10, 54:20,
54:25, 55:3, 55:5,
55:8, 55:12, 55:14,
56:2, 56:5, 56:15,
56:19, 56:21, 57:1,
57:5, 57:13, 57:24,
58:3, 58:6, 58:21,
59:6, 59:9, 59:13,
59:17, 59:23,
59:25, 61:24, 62:2,
62:11, 62:15,
62:19, 62:24, 63:2,
63:8, 63:18, 63:20,
63:23, 63:25, 64:1,
68:4, 68:5, 68:13,
68:18, 68:21,
69:11, 69:16,
69:21, 70:24, 71:1,
74:16, 86:6, 86:8,
87:8, 89:7, 89:23,
89:25, 91:18,
96:13, 96:15, 97:4,
97:8, 97:13, 98:3,
98:4, 98:8, 98:12,
98:23, 99:2, 101:3,
101:6, 101:14,
101:22, 102:8,
102:17, 102:20,
103:6, 103:11,
104:14, 104:18,
104:21, 105:1,
105:3, 106:16,
106:20, 106:22,
107:7, 107:13,
107:14, 108:14,
108:16, 109:3,
109:9, 109:17,
109:22, 109:24,
119:3, 119:9,
119:12, 119:15,
121:21, 134:24,
139:14, 148:22,
150:6, 150:9,
177:4, 178:3,
178:22, 191:6,
191:12, 195:20,
195:25, 196:5,
197:10, 197:14,
197:21, 198:6,
198:15, 198:20,
198:23, 199:1,
199:11, 199:15,
200:19, 201:19
McCray [8] - 1:16,
10:24, 117:20,
123:24, 129:24,
132:9, 202:16,
202:17
McCray's [1] - 99:16
mean [16] - 14:17,
51:13, 52:15, 53:3,
57:10, 67:24,
93:24, 94:3, 95:5,
97:20, 97:22,
99:24, 114:15,
150:10, 158:17
meaning [5] - 17:16,
40:7, 43:10, 48:24,
153:10
means [7] - 5:22,
9:16, 86:22,
130:15, 144:6,
170:13, 170:17
mechanical [1] - 1:24
mechanics [1] - 14:2
meet [6] - 11:11,
17:23, 65:13,
71:23, 71:24, 99:12
members [6] - 16:24,
39:11, 40:4, 65:5,
86:10, 110:18
memo [6] - 28:23,
29:4, 29:5, 29:20,
114:4, 203:9
memorializing [1] -
172:19
memory [8] - 13:17,
77:9, 79:4, 79:14,
82:8, 157:23,
184:1, 184:2
mention [7] - 18:17,
19:3, 21:1, 42:19,
94:21, 97:14, 97:17
mentioned [12] -
19:3, 20:13, 23:9,
49:11, 53:4, 54:2,
54:3, 94:18,
115:23, 133:21,
134:7, 136:20
mere [1] - 61:9
mess [1] - 67:18
message [1] - 140:12
met [11] - 18:1, 18:3,
30:20, 64:23,
64:24, 65:13,
65:16, 71:16, 99:9,
100:6, 122:16
Miami [5] - 1:3, 1:22,
1:23, 64:14, 205:8
microphone [2] -
75:14, 165:2
midnights [1] - 34:2
might [3] - 5:23, 5:24,
57:16
million [1] - 40:8
mind [1] - 170:2
mine [2] - 46:2, 69:6
mini [2] - 115:25,
116:3
minus [1] - 186:19
minute [4] - 15:16,
45:4, 50:13, 197:11
minutes [12] - 2:10,
4:14, 47:17, 54:5,
54:17, 98:8,
101:23, 152:25,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
220
169:14, 191:6,
191:20
miscellaneous [1] -
112:11
missing [2] - 59:2,
59:24
Mississippi [3] -
90:14, 90:17, 90:20
mistaken [1] - 11:9
model [2] - 144:15,
202:24
modifications [3] -
160:12, 167:20,
202:25
moment [10] - 2:25,
5:20, 7:8, 55:25,
135:1, 159:6,
159:24, 182:2,
197:18
money [28] - 38:9,
38:14, 38:21,
38:25, 54:4, 70:16,
70:17, 84:11, 96:3,
97:14, 104:1,
104:10, 108:7,
108:12, 110:4,
112:6, 115:19,
115:21, 118:8,
118:11, 153:22,
157:20, 158:7,
158:11, 159:9,
177:3, 177:11
moneys [3] - 38:16,
103:3, 103:16
monitor [1] - 40:18
month [1] - 107:23
monthly [1] - 17:17
months [2] - 33:3,
136:20
morning [10] - 2:2,
2:14, 2:16, 10:25,
11:7, 71:14, 71:15,
191:15, 192:13
most [6] - 67:13,
67:15, 136:25,
201:4, 201:11,
201:14
motion [1] - 202:19
motions [4] - 191:20,
191:21, 200:25,
203:18
mount [1] - 93:1
mouth [1] - 70:12
move [14] - 11:5,
13:9, 16:17, 22:1,
24:13, 103:6,
104:14, 107:7,
110:23, 171:6,
171:21, 190:9,
192:6, 192:12
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 220 of
231
moved [1] - 192:4
moving [2] - 170:20,
173:14
MR [363] - 2:5, 2:8,
2:14, 2:17, 2:19,
2:21, 2:24, 3:2, 3:4,
3:6, 3:10, 3:14,
3:17, 3:21, 3:24,
4:3, 4:5, 4:9, 4:11,
4:13, 4:15, 4:16,
4:17, 4:20, 4:22,
4:24, 5:3, 5:6, 5:19,
6:1, 6:3, 6:6, 6:9,
6:13, 6:16, 6:19,
6:22, 6:24, 7:3, 7:7,
7:9, 7:18, 7:23, 8:1,
8:5, 8:8, 8:10, 8:12,
8:17, 8:19, 8:22,
8:25, 9:2, 9:4, 9:10,
9:12, 9:17, 9:20,
9:22, 9:24, 10:6,
10:23, 11:4, 11:6,
11:18, 11:24, 12:8,
12:10, 12:19,
12:22, 13:16,
13:23, 14:6, 14:8,
14:13, 14:16, 15:9,
15:14, 15:18,
15:23, 15:25, 39:7,
47:12, 48:3, 48:8,
48:14, 49:1, 49:7,
49:10, 49:14,
49:17, 49:20,
49:22, 50:4, 50:6,
50:7, 50:11, 50:15,
50:16, 50:19, 51:1,
51:6, 51:10, 51:18,
51:21, 51:23,
51:25, 52:4, 52:5,
52:12, 52:16,
52:18, 52:22, 53:9,
53:13, 53:15,
53:17, 53:20,
54:10, 54:20,
54:25, 55:3, 55:5,
55:8, 55:10, 55:12,
55:14, 56:2, 56:5,
56:15, 56:19,
56:21, 57:1, 57:5,
57:13, 57:20,
57:24, 58:3, 58:6,
58:21, 59:6, 59:9,
59:13, 59:17,
59:23, 59:25, 60:3,
60:5, 60:12, 60:14,
60:19, 60:21, 61:1,
61:5, 61:8, 61:12,
61:16, 61:19,
61:22, 61:24, 62:2,
62:4, 62:9, 62:11,
62:15, 62:19,
62:24, 63:2, 63:8,
63:18, 63:20,
63:23, 63:25, 64:1,
68:2, 68:4, 68:5,
68:9, 68:13, 68:18,
68:21, 69:8, 69:11,
69:15, 69:16,
69:19, 69:21,
70:20, 70:22,
70:24, 71:1, 71:3,
71:5, 71:8, 73:18,
74:2, 74:5, 74:10,
74:13, 74:14,
74:16, 74:17,
74:21, 74:23, 75:6,
75:7, 75:16, 77:24,
77:25, 80:18,
80:19, 85:25, 86:3,
86:5, 86:6, 86:8,
87:8, 89:7, 89:10,
89:21, 89:23,
89:25, 90:2, 90:5,
90:10, 90:18,
91:18, 96:13,
96:15, 97:2, 97:4,
97:6, 97:8, 97:11,
97:13, 98:3, 98:4,
98:8, 98:12, 98:19,
98:23, 99:2, 99:4,
99:6, 101:1, 101:3,
101:6, 101:14,
101:15, 101:22,
102:2, 102:5,
102:8, 102:17,
102:20, 103:6,
103:8, 103:11,
104:14, 104:18,
104:21, 104:22,
105:1, 105:3,
106:16, 106:20,
106:22, 107:7,
107:9, 107:13,
107:14, 108:14,
108:16, 109:3,
109:6, 109:9,
109:17, 109:19,
109:22, 109:24,
119:3, 119:9,
119:12, 119:15,
121:21, 121:22,
121:25, 134:24,
135:3, 139:14,
139:17, 148:22,
148:23, 149:1,
150:6, 150:9,
150:12, 150:16,
159:8, 160:10,
165:1, 171:22,
177:4, 177:7,
177:9, 178:3,
178:6, 178:22,
178:24, 182:4,
188:3, 189:19,
189:23, 190:1,
190:2, 190:3,
190:5, 190:11,
190:14, 190:19,
190:21, 190:24,
191:3, 191:6,
191:9, 191:12,
192:8, 192:11,
192:18, 193:16,
193:19, 194:22,
195:10, 195:20,
195:25, 196:5,
196:15, 197:10,
197:14, 197:21,
198:6, 198:15,
198:17, 198:20,
198:21, 198:23,
199:1, 199:6,
199:11, 199:15,
199:17, 199:22,
200:5, 200:7,
200:19, 201:8,
201:19, 202:17,
202:19, 204:6,
204:10, 204:12,
204:24
MS [2] - 50:20, 51:5
multiple [9] - 26:20,
75:11, 79:2, 79:5,
79:24, 80:6, 114:6,
151:20, 193:22
must [1] - 14:20
N
name [70] - 2:13,
2:14, 10:7, 23:1,
33:14, 45:4, 45:5,
53:10, 53:12, 54:9,
55:22, 59:10,
63:21, 63:22, 65:2,
67:7, 67:9, 67:10,
69:4, 71:20, 83:5,
90:25, 91:14, 93:9,
93:12, 93:15,
96:24, 99:11,
115:13, 115:14,
118:13, 124:22,
125:24, 126:1,
127:6, 130:19,
131:6, 131:14,
131:16, 131:19,
133:8, 136:8,
152:19, 160:22,
160:25, 161:18,
161:23, 162:11,
162:13, 163:10,
168:1, 168:7,
168:8, 168:19,
176:12, 176:16,
177:19, 177:24,
179:7, 184:11,
184:14, 184:19,
198:24, 199:2,
199:14, 199:23,
200:7, 200:14
named [18] - 122:23,
123:6, 123:14,
125:2, 125:3,
125:7, 125:8,
125:23, 125:25,
126:5, 126:10,
131:15, 131:16,
151:2, 152:19,
161:5, 161:7,
184:12
names [1] - 154:9
nature [4] - 17:8,
30:10, 122:8,
132:25
necessarily [3] -
12:1, 15:13, 137:7
need [34] - 7:12,
18:19, 29:4, 47:3,
57:17, 57:18, 58:9,
58:24, 61:20,
64:14, 67:1, 75:4,
86:1, 114:17,
129:1, 134:1,
134:2, 134:10,
137:3, 137:9,
140:2, 141:1,
163:21, 166:9,
177:8, 178:18,
190:7, 190:9,
190:15, 191:3,
196:11, 196:14,
203:22
needed [8] - 20:13,
20:18, 31:22,
115:20, 176:4,
190:3, 192:5, 202:9
Nelson [1] - 10:7
net [2] - 40:5, 40:6
network [5] - 137:3,
137:6, 137:12,
144:23, 175:10
never [63] - 5:12,
7:24, 21:3, 21:7,
34:25, 42:17, 54:2,
54:3, 54:4, 54:6,
54:7, 54:8, 54:21,
54:22, 54:24,
64:24, 66:6, 66:7,
66:14, 67:6, 70:1,
84:5, 84:7, 84:11,
84:12, 88:15,
100:20, 100:22,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
221
117:4, 118:14,
119:1, 120:9,
121:4, 122:3,
122:16, 122:18,
122:23, 130:9,
130:13, 130:16,
134:7, 135:17,
140:22, 141:10,
161:3, 161:4,
161:6, 163:11,
178:8, 178:11,
178:13, 179:13,
180:25, 181:1,
181:7, 183:21,
203:10, 203:11
New [3] - 28:17, 65:7,
65:14
new [2] - 190:22,
203:20
next [7] - 24:13,
62:23, 87:7, 98:22,
177:6, 190:13,
199:15
nice [7] - 4:17, 7:20,
71:23, 71:24, 88:1,
89:14, 99:12
night [3] - 44:1,
45:24, 45:25
nine [4] - 144:21,
171:7, 173:17,
174:23
ninth [1] - 58:6
NO [1] - 1:2
none [1] - 200:24
nonetheless [1] -
182:18
nonhearsay [1] -
60:8
nonprofit [3] - 16:10,
16:11, 16:12
North [1] - 1:22
Northwest [3] - 64:3,
70:2, 95:13
notary [1] - 17:18
note [10] - 175:16,
175:22, 175:24,
175:25, 176:3,
176:8, 176:11,
176:18, 193:4,
203:3
note-taking [1] -
193:4
noted [1] - 127:21
notes [3] - 68:3,
177:2, 205:4
nothing [22] - 28:17,
33:15, 33:19, 66:7,
68:8, 68:24, 70:17,
70:18, 84:12,
112:10, 117:17,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 221 of
231
121:18, 121:19,
133:21, 147:5,
155:25, 177:13,
177:14, 179:8,
179:9, 203:13
nothing's [3] - 45:10,
74:20
notice [2] - 49:25,
62:7
notification [1] -
184:5
nowhere [2] - 168:8,
168:9
Number [15] - 21:11,
45:3, 45:6, 54:13,
57:25, 66:22,
68:23, 69:5, 70:9,
70:10, 95:7,
103:20, 124:8,
127:2, 131:23
number [43] - 22:15,
22:20, 44:17,
44:18, 44:23,
55:24, 56:13, 58:2,
58:8, 74:8, 85:18,
97:17, 97:22,
120:18, 124:16,
127:7, 127:8,
135:17, 136:10,
136:15, 140:3,
140:10, 143:3,
146:7, 146:15,
147:16, 147:22,
147:24, 148:8,
153:11, 157:18,
157:19, 157:24,
157:25, 158:2,
158:4, 158:22,
161:20, 169:25,
170:5, 187:14
numbers [9] - 14:11,
22:3, 41:24, 42:15,
57:19, 68:4,
135:23, 157:21,
157:22
numerous [2] - 30:5,
31:19
O
o'clock [1] - 190:23
object [2] - 68:9,
139:14
objection [27] -
11:11, 11:23,
12:22, 62:6, 69:8,
69:15, 69:18,
70:20, 91:4, 97:2,
97:5, 97:6, 97:11,
98:19, 103:8,
104:22, 107:9,
109:5, 109:6,
109:19, 134:24,
148:22, 150:6,
177:4, 178:3,
178:4, 178:22
obligating [2] -
177:2, 177:10
occasion [3] - 49:12,
71:25, 72:4
occasions [1] - 153:5
occurred [4] -
155:10, 159:23,
168:25, 180:12
October [1] - 1:4
odd [1] - 22:16
OF [5] - 1:1, 1:3,
1:10, 1:15, 205:1
offense [3] - 193:5,
194:14
offer [5] - 11:14,
13:1, 13:25, 52:6,
96:22
offered [9] - 12:13,
12:14, 100:23,
104:16, 104:18,
104:21, 107:8,
204:7, 204:12
offering [7] - 12:5,
60:7, 60:8, 60:10,
60:11, 60:13, 60:14
offhand [1] - 114:7
office [7] - 34:2, 41:6,
41:14, 44:13,
58:19, 100:6
Office [3] - 1:14,
1:16, 44:2
OFFICER [1] - 63:4
officer [5] - 2:3,
10:13, 10:15, 11:1,
181:18
Official [2] - 1:21,
205:7
often [1] - 181:9
old [3] - 89:4, 91:21,
188:7
old-fashioned [1] -
89:4
ON [1] - 1:15
once [11] - 5:14, 10:4,
20:19, 22:21,
27:12, 37:22, 38:8,
165:20, 169:4,
190:12, 201:8
one [124] - 2:25, 5:20,
7:8, 10:6, 11:6,
15:4, 15:15, 16:5,
19:25, 21:5, 21:10,
23:11, 24:1, 26:8,
35:22, 35:25, 36:1,
36:2, 36:10, 36:11,
36:12, 36:13,
36:16, 40:20,
45:14, 49:11, 51:6,
51:10, 51:14,
53:20, 54:7, 54:13,
55:25, 58:8, 60:14,
62:4, 63:1, 68:15,
74:8, 75:24, 79:11,
83:18, 83:20,
86:11, 90:5, 102:5,
103:1, 106:12,
116:19, 118:16,
123:4, 129:12,
132:10, 135:1,
138:9, 138:10,
140:9, 140:11,
141:8, 141:11,
141:13, 141:14,
141:15, 141:20,
142:5, 142:24,
143:18, 144:11,
144:14, 144:22,
145:17, 146:25,
147:16, 150:1,
156:16, 157:1,
159:6, 160:21,
162:7, 162:19,
162:24, 167:25,
169:9, 169:18,
170:12, 172:2,
172:9, 172:17,
173:12, 173:20,
174:2, 174:11,
174:16, 175:1,
175:8, 175:14,
176:8, 177:5,
179:23, 180:2,
180:5, 180:7,
180:10, 181:3,
182:2, 182:24,
183:3, 183:11,
184:17, 193:9,
194:22, 196:13,
197:18, 203:3,
203:24
one-time [7] - 140:9,
140:11, 141:8,
141:11, 141:13,
141:20, 146:25
ones [2] - 154:15,
182:23
online [4] - 37:13,
44:10, 139:12,
174:7
open [5] - 37:22,
40:15, 91:9, 181:2,
191:13
opened [5] - 38:7,
162:18, 180:25,
181:1, 181:8
opening [1] - 102:6
operate [1] - 134:22
opportunities [1] -
13:18
opportunity [4] -
26:23, 47:24, 49:5,
197:6
opposed [3] - 46:24,
46:25, 176:2
Order [1] - 2:1
order [6] - 34:14,
37:20, 74:8, 137:3,
169:5, 172:23
original [3] - 185:6,
185:8, 185:9
otherwise [7] - 8:23,
19:23, 76:4, 78:15,
83:19, 90:22,
200:11
Oto [2] - 55:17, 55:20
outs [2] - 17:4, 31:17
outside [7] - 2:10,
4:25, 9:23, 66:11,
88:8, 122:3, 122:10
overflow [1] - 116:4
overruled [1] - 68:12
own [13] - 13:18,
16:1, 39:9, 139:12,
159:21, 160:19,
166:8, 167:4,
167:10, 167:13,
202:22, 202:23,
202:25
owned [8] - 16:3,
28:18, 39:12,
39:13, 40:1, 40:2,
65:8, 137:24
owner [1] - 19:20
owns [1] - 181:13
P
P.A [1] - 1:16
pace [1] - 192:8
package [1] - 180:18
page [70] - 24:13,
25:7, 75:17, 75:19,
75:20, 76:3, 78:11,
78:12, 81:1, 81:2,
98:18, 108:3,
108:4, 111:10,
111:20, 112:25,
113:8, 113:23,
114:21, 114:24,
115:2, 119:23,
119:25, 127:22,
144:13, 145:4,
159:15, 164:2,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
222
165:14, 165:23,
170:20, 171:6,
171:7, 172:9,
173:14, 173:17,
173:24, 174:2,
174:18, 174:19,
174:23, 175:5,
175:9, 175:20,
177:22, 178:7,
178:9, 178:15,
178:20, 178:21,
182:24, 183:3,
183:4, 183:5,
192:23, 192:24,
192:25, 193:1,
193:2, 193:3,
193:4, 193:5,
195:12, 195:17,
195:22, 196:25,
197:11
pages [2] - 75:11,
170:5
Pages [1] - 1:8
paid [8] - 27:11, 28:2,
28:8, 28:11, 28:12,
95:6, 176:11,
186:19
pandemic [3] - 18:1,
76:16, 77:1
paper [1] - 84:7
papers [2] - 70:17,
181:12
paperwork [1] - 84:7
paragraph [2] -
197:14, 199:20
paralegal [1] - 1:19
parking [1] - 18:11
part [12] - 17:22,
30:6, 34:9, 72:16,
80:8, 100:8,
106:24, 118:18,
118:20, 131:6,
157:8, 169:4
particular [7] - 14:3,
20:12, 38:6, 48:18,
104:11, 112:12,
196:14
partners [1] - 196:6
pass [2] - 65:9
passcode [2] - 147:6,
162:16
passcodes [1] -
33:23
past [1] - 121:17
patience [1] - 191:25
pattern [6] - 192:17,
192:22, 195:13,
196:12, 199:4,
199:7
patterns [1] - 14:25
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 222 of
231
Pause [1] - 62:3
pay [12] - 20:7, 20:11,
27:25, 28:4, 28:15,
39:5, 46:14, 112:8,
115:20, 177:3,
177:11, 185:21
Paycheck [16] -
55:21, 72:6, 76:6,
78:16, 94:1,
100:15, 100:22,
124:19, 128:16,
129:15, 169:10,
173:8, 174:12,
175:24, 183:8,
186:23
paying [4] - 34:6,
114:5, 115:10,
141:1
payment [2] - 27:14,
203:6
payments [1] - 29:9
payroll [5] - 114:4,
114:19, 186:6,
186:8, 186:12
PDF [2] - 78:2, 80:21
Pembroke [2] -
123:9, 126:10
pen [1] - 193:11
people [15] - 5:8, 9:3,
18:20, 18:24,
29:16, 30:8, 46:19,
46:21, 60:16,
94:10, 100:4,
114:18, 117:12,
136:25, 198:6
percent [1] - 27:20
percentage [5] -
20:7, 20:11, 27:18,
27:19, 27:24
Perez [45] - 2:4, 2:12,
2:14, 47:23, 48:1,
48:7, 48:11, 48:16,
48:17, 49:5, 50:1,
50:3, 50:4, 50:14,
50:25, 52:5, 52:11,
53:10, 63:22, 64:2,
67:20, 71:14,
71:16, 86:9, 88:12,
89:11, 89:17, 91:1,
91:2, 120:2, 120:4,
120:6, 132:9,
132:11, 132:13,
132:17, 133:24,
134:9, 134:11,
134:13, 134:20,
134:23, 201:9
PEREZ [60] - 2:14,
2:17, 2:19, 2:21,
2:24, 3:2, 3:4, 3:6,
3:10, 3:14, 3:17,
3:21, 3:24, 4:3, 4:5,
4:9, 4:15, 4:17,
4:22, 4:24, 5:3,
5:19, 6:1, 6:3, 6:6,
6:9, 6:13, 6:16,
6:19, 6:22, 6:24,
7:3, 7:7, 7:9, 7:18,
7:23, 8:1, 8:5, 8:8,
8:10, 8:12, 8:17,
8:19, 8:22, 8:25,
9:2, 9:4, 9:10, 9:12,
9:17, 9:20, 9:22,
9:24, 49:7, 49:10,
49:14, 49:17, 50:6,
50:15, 63:6
Perez's [2] - 50:10,
56:6
perfect [1] - 74:13
performed [1] -
202:22
perhaps [3] - 72:16,
189:19, 199:23
period [9] - 105:21,
106:2, 106:6,
110:18, 136:6,
138:12, 138:18,
139:4, 151:7
permanent [1] -
101:13
permanently [2] -
89:9, 101:2
permits [2] - 17:17,
31:19
person [15] - 6:10,
13:4, 19:1, 25:21,
51:15, 53:23,
58:24, 93:15,
117:22, 120:5,
133:20, 134:6,
149:12, 202:2
Persona [1] - 168:24
personal [17] - 23:8,
24:23, 34:23, 35:5,
35:6, 38:4, 45:4,
93:20, 99:20,
127:7, 127:11,
127:12, 127:15,
153:11, 158:20
personally [1] -
130:13
persons [3] - 40:12,
51:14, 193:3
pertaining [3] - 31:1,
31:16, 133:22
pertains [5] - 122:14,
182:7, 194:10,
194:23, 203:14
pertinent [1] - 200:13
pest [8] - 64:10,
64:18, 65:19, 72:3,
72:5, 75:23, 85:15,
87:13
Pest [1] - 67:8
pesticide [1] - 53:23
petty [1] - 112:11
phone [79] - 31:8,
31:22, 32:12, 34:6,
39:4, 41:7, 45:8,
45:11, 45:17,
83:17, 84:17,
84:18, 84:22,
84:24, 85:11,
85:18, 85:19, 86:9,
86:12, 86:13,
86:14, 86:16, 87:2,
87:3, 87:9, 87:11,
87:15, 87:17, 88:3,
88:6, 94:3, 127:8,
127:12, 127:18,
135:5, 135:13,
135:17, 135:20,
136:10, 136:15,
136:19, 136:22,
137:1, 137:4,
137:8, 140:3,
140:10, 140:12,
140:25, 141:22,
142:2, 143:3,
144:15, 144:23,
145:9, 145:21,
146:7, 146:9,
146:13, 146:14,
147:1, 147:3,
147:5, 147:16,
147:20, 147:22,
147:23, 147:24,
148:8, 161:20,
165:17, 167:1,
202:23
Phone [1] - 39:2
phones [1] - 92:18
phonetic [1] - 118:17
photograph [4] -
75:21, 96:9, 202:3,
202:10
photographs [14] -
77:5, 78:15, 78:20,
79:2, 87:9, 87:14,
87:21, 87:22,
88:18, 88:19, 96:6,
98:24, 165:15,
165:24
phrase [1] - 190:16
physical [1] - 55:23
pick [2] - 117:8,
192:8
picks [1] - 117:15
picture [15] - 72:18,
72:22, 73:6, 73:12,
75:24, 76:4, 81:15,
81:17, 81:18,
87:25, 88:1, 89:15,
164:4
pictures [39] - 75:25,
77:10, 77:14,
77:18, 79:5, 79:11,
79:12, 79:19,
79:20, 79:23, 80:6,
80:10, 80:12, 81:5,
81:11, 81:16,
81:17, 81:19,
81:22, 81:24, 82:3,
82:5, 82:6, 82:10,
84:21, 87:11,
87:17, 87:19,
87:23, 89:6, 89:16,
163:24, 164:9,
165:13, 165:20,
166:4, 166:7,
167:1, 167:16
piece [2] - 59:2,
162:11
pieces [2] - 127:21,
184:21
place [4] - 22:21,
117:1, 137:8, 148:7
placed [1] - 200:20
places [1] - 140:12
Plaintiff [1] - 1:4
plan [2] - 136:21,
137:5
plea [11] - 195:13,
197:12, 197:15,
197:19, 198:3,
198:5, 198:12,
198:13, 199:10,
199:23, 200:9
plead [1] - 2:17
pleading [1] - 11:6
pleasantries [1] -
122:18
pleasure [1] - 99:14
plus [2] - 9:13,
108:11
PM [14] - 1:6, 101:18,
101:19, 102:12,
102:13, 102:14,
148:14, 150:3,
160:6, 160:8,
192:2, 204:25
podium [3] - 71:5,
71:6, 121:23
point [15] - 25:21,
26:21, 54:2, 59:20,
61:21, 63:15, 93:8,
116:9, 190:13,
194:12, 194:22,
198:14, 201:20,
202:1, 202:5
police [1] - 10:12
Lance W. Steinbeisser - Federal Certified Realtime Reporter
223
Police [1] - 10:16
poor [1] - 48:21
pops [1] - 41:18
populated [2] -
158:23, 158:24
Port [4] - 40:1,
106:11, 106:12,
107:3
portal [14] - 37:14,
37:17, 37:25, 38:8,
40:16, 41:18,
139:13, 139:19,
139:25, 140:2,
145:7, 161:13,
161:18, 163:3
portion [2] - 125:22,
129:14
position [5] - 92:22,
194:15, 195:25,
196:17, 201:10
possible [2] - 95:5,
96:12
possibly [3] - 93:23,
96:4, 112:6
PP [1] - 72:7
PPP [123] - 18:5,
18:11, 18:12,
18:15, 18:19,
18:20, 18:21,
18:24, 19:1, 19:12,
20:5, 20:20, 23:1,
23:4, 23:7, 26:23,
29:1, 29:3, 30:22,
31:1, 31:6, 31:11,
35:17, 35:21,
39:20, 40:23, 42:1,
42:8, 42:15, 45:14,
46:8, 55:21, 55:24,
58:8, 65:25, 66:2,
72:8, 72:23, 75:21,
77:10, 78:21,
79:10, 79:17, 81:5,
82:1, 82:18, 82:21,
83:5, 83:9, 83:14,
83:23, 84:1, 86:19,
86:20, 88:13,
93:23, 93:24,
94:10, 94:21,
95:19, 96:1, 96:4,
96:7, 97:10,
100:16, 100:18,
100:20, 101:11,
107:20, 113:14,
116:12, 116:18,
118:16, 121:3,
124:24, 130:23,
133:19, 133:25,
139:12, 142:15,
142:17, 142:24,
144:19, 145:14,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 223 of
231
145:20, 146:1,
148:19, 152:17,
153:24, 154:14,
155:16, 156:20,
159:21, 160:12,
160:19, 162:8,
165:25, 166:8,
167:4, 167:7,
167:10, 167:13,
167:23, 169:5,
169:15, 170:7,
175:17, 176:7,
176:10, 177:16,
179:15, 179:25,
180:3, 180:12,
181:23, 181:24,
182:7, 183:12,
184:18, 193:23,
193:24, 202:22,
203:3
praying [1] - 85:12
predictions [1] -
102:10
preliminary [4] -
33:11, 122:21,
162:16, 162:17
preneed [2] - 17:7,
17:8
prep [2] - 114:12,
114:15
preparation [1] -
69:12
prepare [1] - 114:17
prepared [2] -
132:11, 205:4
presence [1] - 5:14
present [3] - 36:21,
50:17, 90:21
PRESENT [1] - 1:18
presented [3] -
27:16, 48:1, 201:14
presently [1] - 204:14
presumption [1] -
192:24
presupposes [1] -
197:22
pretrial [2] - 10:7,
10:25
pretty [8] - 5:11, 27:3,
31:13, 43:6,
142:13, 164:24,
165:6, 197:4
previously [2] -
194:2, 204:5
price [1] - 20:8
primarily [2] - 30:21,
93:8
principal [1] - 131:20
print [2] - 75:6,
120:17
printable [1] - 180:15
printed [1] - 181:1
priority [1] - 74:8
privilege [10] - 2:23,
3:1, 5:22, 6:10,
7:12, 7:14, 8:23,
9:16, 48:24, 49:2
problem [2] - 45:14,
63:12
problems [3] - 65:22,
79:19, 79:21
proceed [5] - 10:3,
15:21, 47:17,
62:10, 74:4
proceeding [6] -
19:24, 43:20,
130:3, 130:6,
141:6, 202:15
proceedings [6] -
62:3, 90:4, 91:9,
189:16, 191:13,
205:3
Proceedings [2] -
1:24, 204:25
proceeds [5] - 29:3,
107:5, 107:18,
107:20, 109:14
process [23] - 20:22,
25:18, 25:19, 27:5,
32:18, 33:9, 33:13,
34:4, 34:14, 79:18,
80:13, 88:2,
118:18, 118:20,
121:14, 142:17,
143:5, 159:1,
163:24, 170:22,
172:24, 181:6,
182:13
processed [1] - 27:2
procure [1] - 26:23
produce [1] - 14:20
produced [11] - 1:25,
11:8, 15:4, 15:5,
15:10, 15:12,
15:14, 60:22, 90:7,
146:23
profanity [1] - 45:7
profession [1] -
131:20
professional [3] -
117:21, 132:24,
133:1
proffer [4] - 52:6,
52:25, 62:11
profited [1] - 106:14
Program [16] - 55:21,
72:6, 76:6, 78:16,
94:2, 100:16,
100:23, 124:19,
128:16, 129:15,
169:10, 173:9,
174:12, 175:25,
183:9, 186:23
program [3] - 59:11,
133:20, 181:24
progress [1] - 29:7
promise [1] - 50:4
promissory [2] -
175:25, 177:2
proof [1] - 202:13
proper [2] - 54:10,
117:2
properties [2] -
39:12, 40:7
property [12] - 39:18,
39:20, 39:23,
39:24, 39:25, 40:1,
40:2, 106:10,
106:11, 106:13,
106:15, 107:2
proponent [2] -
14:20, 14:21
proposition [1] -
90:20
proprietor [3] - 98:1,
126:4, 131:19
proprietorship [2] -
123:20, 126:5
prosecuted [2] -
5:24, 6:15
prosecutor [1] -
71:20
Protection [16] -
55:21, 72:6, 76:6,
78:16, 94:2,
100:15, 100:22,
124:19, 128:16,
129:15, 169:10,
173:9, 174:12,
175:24, 183:8,
186:23
prove [2] - 61:14,
91:7
proved [1] - 91:6
proven [2] - 15:7,
15:8
provide [4] - 32:5,
32:7, 55:20, 58:12
provided [12] - 44:22,
44:23, 132:2,
135:6, 135:13,
135:14, 136:19,
138:23, 172:3,
172:4, 187:3,
188:16
public [1] - 48:15
publish [10] - 68:3,
71:10, 73:20,
105:1, 107:13,
109:22, 110:17,
119:21, 136:2,
138:16
published [2] -
21:12, 138:2
publishing [4] -
119:22, 131:8,
139:1, 164:2
pull [3] - 170:3,
173:8, 179:14
pulled [3] - 44:16,
78:2, 80:21
pulling [1] - 172:17
punishment [1] -
196:25
purportedly [1] -
53:10
purpose [6] - 16:11,
60:10, 73:24,
114:3, 115:12,
141:13
purposes [9] - 52:24,
52:25, 68:23,
96:17, 98:14,
102:22, 108:18,
109:11, 120:4
pursuant [11] - 11:8,
15:10, 15:12,
15:14, 52:20,
60:23, 62:6, 90:7,
90:10, 90:11, 90:13
push [2] - 21:23,
113:1
pushing [2] - 75:13,
118:10
put [67] - 12:23,
12:25, 22:15,
28:22, 29:4, 29:22,
29:23, 33:11,
33:14, 35:23,
42:15, 43:11, 45:4,
54:8, 68:6, 70:13,
70:19, 112:13,
112:18, 115:15,
115:21, 131:6,
131:7, 141:10,
143:2, 143:3,
153:21, 157:19,
158:6, 158:10,
158:11, 158:13,
158:16, 158:17,
158:22, 159:9,
161:3, 161:4,
161:19, 161:23,
162:13, 162:16,
162:21, 162:22,
171:1, 171:3,
171:11, 171:13,
172:7, 173:15,
173:17, 174:21,
174:24, 178:25,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
224
179:6, 179:11,
186:17, 198:1,
198:18, 198:24,
199:1, 199:23,
200:7
puts [1] - 120:1
putting [9] - 13:17,
153:10, 158:19,
160:21, 160:25,
162:12, 163:2,
172:14, 202:6
puzzled [1] - 44:4
Q
qualifies [1] - 27:6
qualify [2] - 20:10,
94:24
quarterly [1] - 31:18
questioned [4] -
44:9, 45:15, 55:16,
121:10
questioning [1] -
56:4
questions [22] - 7:19,
8:2, 49:15, 71:1,
82:17, 83:1, 83:20,
85:25, 86:4, 86:5,
86:6, 89:8, 89:22,
99:16, 101:1,
101:3, 121:14,
133:19, 135:2,
190:10, 203:15,
203:17
quick [1] - 10:6
quicker [1] - 192:12
quite [3] - 166:22,
181:9, 198:11
R
R-O-G-E-R-S [1] -
91:16
rage [1] - 5:7
raise [5] - 49:22,
91:10, 195:23,
196:11, 203:20
raised [3] - 193:14,
196:10, 196:23
ran [2] - 16:9, 31:13
rang [1] - 39:2
rather [2] - 199:13,
204:1
reach [2] - 88:12,
101:10
reached [1] - 58:17
read [17] - 14:13,
57:25, 86:19,
90:16, 91:5, 96:18,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 224 of
231
169:14, 176:18,
176:21, 176:22,
176:23, 177:11,
181:12, 181:19,
187:14, 196:14,
200:8
reading [3] - 69:8,
177:3, 199:7
reads [1] - 198:7
reads.. [1] - 199:3
ready [4] - 15:21,
47:17, 57:14, 62:10
real [1] - 39:9
realize [1] - 48:3
really [10] - 20:21,
26:10, 27:22, 59:3,
59:25, 132:23,
165:10, 199:12,
201:22, 204:2
reason [20] - 5:17,
5:18, 6:20, 7:11,
11:10, 11:13,
11:14, 11:18,
19:18, 136:14,
138:4, 139:2,
142:9, 142:10,
152:3, 154:12,
155:3, 188:15,
201:5
reasonable [6] -
192:25, 197:25,
201:12, 201:13,
202:5, 202:14
reasons [2] - 38:1,
40:20
rebuttal [2] - 102:6,
102:7
receipt [1] - 159:9
receipts [4] - 21:25,
43:16, 120:19,
120:20
receive [9] - 24:22,
40:23, 70:16,
70:17, 95:6,
106:13, 108:9,
112:1, 203:25
received [48] - 10:9,
18:21, 25:5, 27:12,
27:13, 30:16,
31:21, 48:21, 52:8,
52:9, 52:13, 52:14,
52:19, 52:20, 57:4,
57:17, 84:11,
84:12, 88:15,
103:9, 103:10,
104:23, 104:24,
107:11, 107:12,
107:20, 108:7,
109:7, 109:8,
109:20, 109:21,
111:23, 113:14,
118:16, 119:6,
119:7, 124:18,
136:5, 175:25,
180:17, 197:2,
204:2, 204:4,
204:5, 204:9,
204:10, 204:18,
204:19
reception [1] -
113:15
Recess [2] - 51:24,
160:8
recess [4] - 102:12,
102:13, 160:5,
160:7
recognize [15] - 69:1,
93:9, 96:19, 96:21,
98:14, 98:15,
98:16, 102:23,
102:24, 103:21,
103:22, 104:5,
106:23, 111:10,
119:17
recognized [1] -
98:20
recollection [14] -
13:7, 13:19, 13:21,
61:15, 73:23,
75:20, 76:3, 76:9,
78:14, 78:19, 81:4,
97:16, 97:18, 189:6
record [25] - 11:22,
11:25, 12:4, 52:24,
53:6, 58:10, 74:24,
75:5, 78:1, 80:20,
91:14, 128:9,
138:1, 147:12,
159:13, 168:10,
174:16, 187:19,
188:16, 193:19,
194:1, 194:3,
194:6, 205:3
recorded [1] - 1:24
records [18] - 12:1,
12:11, 12:12,
12:15, 15:5, 15:10,
55:20, 58:13,
58:16, 58:24, 59:1,
59:5, 60:6, 60:22,
139:6, 139:9,
139:11, 203:10
red [1] - 154:9
REDIRECT [2] - 86:7,
101:5
redirect [1] - 191:4
refer [1] - 132:20
reference [7] - 24:2,
120:22, 162:13,
176:13, 193:9,
199:4, 199:17
referenced [1] -
101:7
referencing [3] -
150:11, 198:16,
199:20
referred [2] - 163:11,
186:14
referring [8] - 5:1,
58:2, 100:13,
161:16, 161:17,
185:19, 186:13,
186:14
reflect [2] - 109:14,
110:4
reflected [10] - 22:11,
43:15, 103:4,
103:17, 104:1,
104:11, 105:22,
106:2, 108:25,
114:19
reflects [1] - 24:10
refresh [9] - 13:7,
13:19, 13:21,
73:23, 76:3, 76:9,
78:14, 78:19, 81:4
refreshed [4] - 77:9,
79:4, 79:14, 82:8
refreshes [2] - 73:23,
75:20
regard [5] - 10:22,
49:16, 63:14,
95:19, 203:17
regarding [8] - 17:8,
21:2, 21:20, 35:15,
36:25, 39:18,
42:21, 97:10
regular [2] - 12:3,
13:12
rejected [3] - 57:2,
57:4, 57:7
rejection [1] - 57:6
relate [2] - 193:10,
202:18
related [15] - 29:2,
29:4, 29:6, 48:4,
52:11, 55:21,
55:23, 56:1, 56:13,
56:17, 79:10,
100:10, 120:5,
181:24
relates [2] - 53:7,
115:12
relation [1] - 39:20
release [1] - 62:12
relevance [1] - 12:15
relevancy [1] - 57:14
relevant [4] - 13:13,
56:22, 57:16, 59:1
reliable [2] - 90:23,
91:2
relied [1] - 196:8
relief [1] - 11:3
rely [1] - 196:3
remaining [1] -
192:11
remains [2] - 31:16,
114:17
remedy [1] - 198:2
remember [67] - 3:6,
3:7, 13:4, 13:5,
13:16, 14:5, 17:13,
27:1, 27:19, 29:22,
30:19, 33:3, 33:10,
33:15, 36:25,
46:18, 58:18,
58:21, 72:16,
72:17, 72:20,
72:22, 72:25, 73:3,
73:6, 73:11, 73:14,
75:25, 76:18,
76:20, 76:22, 77:1,
77:4, 77:10, 77:13,
77:15, 77:16,
77:18, 79:2, 79:9,
79:16, 79:20, 80:4,
80:5, 80:6, 80:7,
80:12, 80:14,
80:15, 81:10,
81:22, 85:15,
85:16, 85:17, 89:6,
98:24, 107:23,
122:6, 148:6,
148:8, 148:9,
161:25, 162:1,
169:13, 169:15,
188:5, 188:8
renewal [1] - 75:25
rent [1] - 116:8
repeat [2] - 116:19,
125:5
rephrase [3] - 32:6,
68:10, 79:13
reported [1] - 124:2
Reporter [2] - 1:21,
205:7
REPORTER [1] -
205:1
reporter [1] - 83:19
reports [2] - 17:17,
31:18
represent [10] - 22:9,
71:20, 99:12,
103:3, 103:16,
103:25, 104:10,
107:4, 108:24,
146:19
representations [1] -
196:7
represents [1] -
Lance W. Steinbeisser - Federal Certified Realtime Reporter
225
147:2
reputation [1] - 118:7
request [3] - 24:16,
58:7, 91:5
requested [6] - 32:5,
32:7, 33:20, 59:17,
66:24, 200:23
requesting [3] - 11:3,
102:3, 102:5
requests [2] - 58:6,
197:9
required [7] - 35:19,
36:4, 36:5, 139:21,
176:2, 182:18,
196:13
requirements [3] -
11:12, 14:19,
186:23
resent [1] - 173:5
residence [5] - 98:25,
123:11, 123:12,
123:14, 139:3
residences [1] - 93:7
residual [1] - 62:6
resolved [3] - 10:4,
47:16, 191:18
respect [25] - 13:3,
16:21, 17:11, 18:5,
25:24, 29:8, 32:18,
40:23, 42:12,
42:24, 46:7, 52:5,
53:2, 83:23, 94:7,
95:25, 129:19,
143:12, 172:22,
180:2, 180:12,
182:5, 192:11,
194:24, 201:10
respectfully [2] -
14:8, 203:14
respects [3] - 172:6,
175:2, 187:4
response [3] - 20:19,
20:21, 190:8
rest [1] - 199:3
restoration [1] -
29:23
restroom [3] - 48:9,
89:23, 89:25
resume [1] - 50:8
return [6] - 21:15,
101:18, 119:10,
124:4, 129:22,
133:4
returns [5] - 35:10,
120:21, 123:25,
132:10, 133:2
Revenue [1] - 124:2
review [3] - 86:18,
182:18, 196:24
revise [1] - 199:16
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 225 of
231
ribbon.pdf [1] - 154:9
right.. [1] - 90:1
ring [1] - 93:17
rise [1] - 63:4
risked [1] - 118:7
Rivero [69] - 13:3,
16:18, 16:21, 17:2,
17:20, 17:24, 18:5,
19:6, 19:22, 21:1,
22:25, 24:17,
26:10, 26:12,
30:23, 30:24,
30:25, 31:25,
32:16, 32:17,
42:14, 44:22,
44:23, 53:14, 56:5,
56:16, 65:3, 65:7,
65:11, 65:17, 66:2,
72:1, 72:5, 72:13,
75:22, 76:7, 83:24,
93:9, 93:13, 93:16,
93:18, 94:6, 94:7,
95:3, 96:6, 96:9,
99:17, 99:23,
121:17, 130:19,
131:1, 131:11,
142:3, 149:12,
149:19, 151:12,
152:11, 158:10,
164:11, 164:13,
164:23, 165:8,
166:2, 199:24,
200:10, 202:6
Rivero's [3] - 16:25,
56:8, 201:20
Riveros [8] - 25:21,
27:11, 28:4, 47:7,
100:13, 153:13,
196:2, 196:3
road [1] - 45:25
Road [2] - 123:9,
126:10
Rogers [10] - 90:25,
91:15, 91:19,
91:21, 92:8, 96:16,
98:1, 99:7, 99:15,
100:15
ROGERS [1] - 91:12
role [1] - 5:13
room [1] - 114:12
roughly [2] - 22:10,
30:19
routing [2] - 153:11,
157:19
row [1] - 145:25
rows [1] - 147:17
RPR [2] - 1:21, 205:6
rule [4] - 14:17, 39:3,
55:13, 60:7
Rule [3] - 13:2,
202:19, 203:14
rules [4] - 57:12,
90:21, 90:22,
186:23
Rules [3] - 14:9,
14:16, 53:5
ruling [3] - 52:7,
52:19, 52:23
running [1] - 79:19
rush [1] - 177:8
rushing [1] - 140:24
S
S-corporation [1] -
119:10
S21 [7] - 135:21,
135:24, 136:12,
136:14, 136:23,
144:16, 165:18
salary [10] - 111:17,
111:22, 112:14,
113:12, 114:22,
115:4, 115:8,
115:9, 115:10,
203:9
sale [2] - 106:13,
106:25
sales [3] - 21:25,
120:19, 120:20
salon [3] - 25:10,
30:3, 43:16
Samsung [7] -
135:21, 135:22,
135:23, 135:24,
136:22, 145:21,
165:18
sat [1] - 122:18
satisfy [3] - 12:13,
14:18, 60:6
Saturday [1] - 10:9
Savings [1] - 159:10
savings [8] - 35:7,
38:18, 38:19,
103:1, 103:2,
103:14, 103:24,
104:9
savvy [1] - 165:8
saw [15] - 17:4,
22:17, 31:2, 33:21,
43:23, 43:25,
65:14, 67:20, 77:6,
156:2, 172:7,
177:13, 177:14,
179:10, 179:13
SBA [4] - 169:9,
176:12, 181:23,
201:18
schedule [1] - 134:5
Schedule [76] - 13:5,
13:8, 13:20, 21:2,
21:5, 21:7, 21:16,
42:4, 42:12, 42:19,
43:4, 43:24, 43:25,
45:22, 52:12,
52:24, 53:2, 53:9,
53:10, 54:3, 54:5,
54:15, 54:20,
56:25, 57:8, 60:15,
61:6, 61:9, 61:10,
61:13, 62:25,
67:20, 67:23, 90:6,
90:24, 90:25,
96:20, 117:3,
117:4, 119:2,
121:3, 121:4,
121:5, 121:6,
121:8, 126:16,
128:19, 129:16,
129:21, 130:1,
130:7, 130:10,
130:13, 130:17,
130:23, 131:1,
131:11, 134:2,
134:7, 134:9,
134:15, 134:20,
134:23, 149:13,
149:17, 149:19,
150:4, 151:13,
151:15, 151:22,
152:12, 152:16,
173:9, 177:25
scheduled [1] - 47:14
scheduling [2] -
63:11, 189:15
school [2] - 16:13,
30:14
Scola [1] - 195:4
screen [18] - 41:16,
74:15, 74:16,
74:19, 78:4, 80:21,
80:23, 119:23,
125:12, 125:14,
125:15, 131:9,
151:1, 152:8,
157:6, 165:12
screens [2] - 71:11,
71:13
scroll [1] - 75:12
scrolling [1] - 163:16
scrubs [3] - 166:17,
166:18, 166:21
seat [4] - 9:6, 9:23,
63:7, 91:13
seated [4] - 5:1,
47:20, 102:15,
192:15
second [15] - 10:15,
12:24, 21:10,
36:10, 36:16,
106:11, 108:5,
112:25, 145:25,
162:24, 165:24,
173:8, 186:21,
197:14
secretarial [1] -
114:13
secretary [5] - 94:18,
95:2, 97:10, 101:7,
101:8
Section [1] - 108:4
section [12] - 7:2,
9:25, 28:23, 29:5,
29:20, 47:25,
114:4, 126:4,
128:1, 129:6,
184:24, 185:5
security [15] - 2:3,
20:15, 24:11,
53:11, 66:10, 67:2,
67:3, 68:17, 85:10,
86:17, 93:1, 93:3,
93:4, 100:10,
100:11
SECURITY [1] - 63:4
Security [12] - 45:3,
45:6, 54:13, 66:22,
69:5, 70:9, 70:10,
95:7, 124:8, 127:2,
127:7, 131:23
see [119] - 9:25, 10:2,
20:9, 21:12, 21:23,
23:25, 27:4, 27:6,
40:16, 41:16, 42:1,
42:4, 43:15, 45:3,
54:19, 56:11,
59:24, 61:25,
66:14, 73:23,
74:15, 74:18, 75:9,
75:17, 75:19,
75:23, 77:6, 78:4,
78:12, 79:13,
80:23, 81:1, 81:7,
81:8, 81:16, 84:19,
84:21, 88:9, 89:14,
98:10, 101:7,
102:23, 103:20,
105:9, 105:10,
107:24, 119:1,
125:11, 125:15,
128:2, 128:14,
129:5, 131:9,
136:2, 136:8,
136:10, 138:2,
140:7, 143:8,
143:24, 146:5,
146:19, 146:23,
147:10, 147:14,
147:16, 147:19,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
226
147:22, 147:23,
147:24, 148:4,
150:18, 150:20,
152:5, 152:19,
152:21, 152:22,
154:22, 154:24,
155:22, 156:3,
157:2, 157:4,
157:6, 157:7,
157:14, 159:16,
166:9, 168:2,
168:3, 168:22,
170:21, 171:14,
171:24, 174:2,
175:14, 175:20,
175:22, 176:12,
179:7, 179:8,
180:7, 186:24,
187:11, 187:18,
187:21, 193:9,
194:2, 194:4,
194:7, 194:18,
196:23, 199:2,
202:3
seeing [9] - 41:23,
41:24, 54:15,
54:17, 57:15,
160:1, 168:3,
177:19, 194:10
seek [1] - 118:15
seeked [1] - 118:17
seem [1] - 149:2
selecting [1] - 172:15
self [5] - 3:3, 12:2,
158:23, 158:24,
197:4
self-authenticating
[1] - 12:2
self-explanatory [1] -
197:4
self-incrimination [1]
- 3:3
self-populated [2] -
158:23, 158:24
selfie [1] - 76:4
selfies [5] - 78:16,
78:18, 81:12,
167:12, 167:20
sell [2] - 39:20,
106:10
seller [1] - 108:5
sellers [1] - 108:7
selling [1] - 39:19
Send [1] - 56:13
send [8] - 25:13,
33:12, 37:1,
157:20, 158:7,
158:11, 184:6,
202:11
sending [2] - 25:19,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 226 of
231
147:3
sends [1] - 178:18
sense [1] - 141:15
sent [29] - 24:16,
32:21, 32:22, 37:2,
44:24, 55:5, 55:17,
56:7, 56:17, 58:19,
137:21, 140:11,
140:16, 146:9,
146:12, 147:1,
147:6, 148:7,
153:22, 172:23,
173:5, 174:8,
175:10, 175:11,
178:14, 180:22,
181:2, 181:7, 194:4
sentence [1] - 199:15
separate [7] - 48:8,
133:5, 172:18,
182:12, 182:19,
193:21, 193:24
seriatim [1] - 192:17
served [2] - 5:15,
117:21
service [10] - 18:1,
57:7, 92:15, 92:17,
92:25, 135:5,
135:13, 136:19,
138:23
Service [1] - 124:3
services [4] - 10:25,
92:17, 114:11,
114:13
set [4] - 17:7, 30:6,
165:24, 202:21
sets [2] - 174:18,
174:23
settlement [1] -
107:15
seven [2] - 4:14,
156:19
several [4] - 87:20,
133:2, 180:4, 190:9
share [2] - 142:1,
142:5
shared [2] - 141:24,
141:25
sheet [2] - 120:1,
120:3
Sheriff's [1] - 44:2
sheriff's [2] - 34:1,
44:13
ship [2] - 17:4, 31:17
ship-outs [2] - 17:4,
31:17
short [3] - 49:25,
50:12, 120:6
shortly [1] - 116:21
show [45] - 4:7,
10:12, 13:14, 14:3,
21:4, 21:10, 23:18,
24:25, 51:12,
54:21, 60:14, 61:3,
68:1, 68:22, 71:11,
77:23, 84:23,
96:16, 98:13,
102:21, 103:12,
103:19, 104:4,
106:1, 106:5,
106:17, 108:17,
109:10, 111:9,
111:20, 112:25,
113:2, 119:16,
139:11, 143:21,
145:1, 146:23,
149:7, 149:24,
159:24, 160:17,
168:6, 179:14,
202:5
showed [13] - 13:6,
38:12, 51:11, 54:5,
75:24, 77:17,
80:14, 168:5,
168:10, 168:22,
178:11, 178:13
showing [11] - 10:13,
75:17, 75:19,
78:20, 89:5,
126:16, 147:4,
147:5, 147:9,
168:13, 188:20
shown [5] - 75:1,
87:14, 132:8,
169:20, 169:21
shows [27] - 31:3,
38:7, 113:3,
145:10, 145:17,
147:5, 149:9,
150:25, 152:3,
155:1, 155:2,
156:13, 157:11,
159:13, 161:8,
161:11, 162:3,
162:10, 163:13,
167:25, 173:1,
173:5, 175:9,
178:8, 178:13,
180:21, 180:22
side [5] - 49:19,
92:24, 125:13,
125:14, 171:15
sidebar [5] - 69:16,
90:3, 90:4, 189:14,
189:16
sign [12] - 17:19,
86:24, 177:2,
178:15, 178:19,
182:18, 188:4,
188:23, 189:2,
189:5, 194:3
signature [13] -
41:20, 41:21,
172:12, 172:14,
172:15, 173:25,
175:5, 176:2,
178:19, 183:5,
184:3, 203:3, 203:4
signatures [2] -
175:14, 203:2
signed [25] - 26:8,
169:2, 169:12,
169:18, 170:7,
173:1, 173:6,
174:2, 174:6,
174:8, 174:13,
175:9, 175:12,
176:7, 176:8,
176:23, 177:20,
180:9, 180:18,
184:2, 188:1,
189:9, 193:23,
193:24, 203:4
signer [1] - 175:9
signing [14] - 31:15,
169:5, 170:22,
172:19, 172:22,
172:24, 174:3,
179:15, 181:5,
184:10, 188:11,
188:19, 189:8,
203:1
similar [2] - 51:13,
58:12
simple [3] - 20:22,
25:18, 27:5
simply [1] - 42:10
simultaneous [1] -
146:12
simultaneously [1] -
147:3
single [3] - 138:9,
138:10, 147:16
sit [4] - 30:6, 181:15,
181:16, 181:18
site [1] - 44:16
sitting [3] - 64:20,
130:16, 137:18
situation [1] - 12:7
six [10] - 80:14,
80:15, 81:5, 81:24,
154:14, 159:18,
167:12, 167:20,
202:25, 203:1
slide [15] - 105:18,
143:7, 143:18,
144:13, 144:21,
145:1, 145:10,
145:17, 145:24,
148:11, 148:13,
154:14, 156:19,
159:14, 187:19
slides [4] - 146:4,
160:15, 160:17,
163:20
slow [1] - 177:7
small [2] - 39:6,
92:25
Small [1] - 58:14
smaller [1] - 23:23
SMITH [3] - 4:11,
4:20, 5:6
Smith [1] - 1:19
SNIDER [107] - 1:13,
10:23, 11:4, 12:22,
13:16, 13:23, 48:3,
48:8, 49:22, 51:25,
52:4, 55:10, 68:2,
68:9, 69:8, 69:15,
69:19, 70:20,
70:22, 71:3, 71:5,
71:8, 73:18, 74:2,
74:5, 74:10, 74:13,
74:14, 74:17,
74:21, 74:23, 75:6,
75:7, 75:16, 77:24,
77:25, 80:18,
80:19, 85:25, 86:3,
86:5, 89:10, 89:21,
97:2, 97:6, 97:11,
98:19, 99:4, 99:6,
101:1, 101:15,
102:2, 102:5,
103:8, 104:22,
107:9, 109:6,
109:19, 121:22,
121:25, 135:3,
139:17, 148:23,
149:1, 150:12,
150:16, 159:8,
160:10, 165:1,
171:22, 177:7,
177:9, 178:6,
178:24, 182:4,
188:3, 189:19,
189:23, 190:1,
190:3, 190:5,
190:11, 190:14,
190:19, 190:21,
190:24, 191:3,
191:9, 192:8,
192:11, 193:16,
193:19, 194:22,
195:10, 198:17,
198:21, 199:6,
199:17, 199:22,
200:5, 200:7,
202:17, 202:19,
204:6, 204:10,
204:12, 204:24
Snider [8] - 71:20,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
227
87:15, 99:11,
122:2, 177:5,
178:5, 178:17,
192:3
Social [12] - 45:3,
45:6, 54:12, 66:22,
69:5, 70:9, 95:7,
124:8, 127:2,
127:7, 131:23
social [13] - 20:15,
24:11, 26:18,
53:11, 66:9, 67:2,
68:17, 85:10,
86:17, 127:4, 127:5
sold [2] - 39:23,
107:2
sole [3] - 123:20,
126:4, 126:5
Solutions [1] - 67:8
someone [19] - 10:2,
13:11, 37:1, 44:16,
58:9, 61:20, 79:5,
79:18, 79:23,
82:10, 94:7,
114:17, 117:13,
117:14, 133:14,
181:17, 188:22,
203:19
sometime [1] - 20:17
sometimes [10] -
30:8, 64:13,
114:18, 132:20,
137:7, 137:11,
141:12, 141:24,
142:11, 146:12
somewhat [2] -
182:9, 182:10
somewhere [2] -
27:21, 39:22
son [1] - 40:18
sorry [35] - 4:12,
24:1, 24:2, 25:16,
47:1, 48:3, 50:16,
51:8, 53:21, 62:21,
68:4, 75:15, 85:12,
89:19, 91:23,
95:23, 100:8,
105:10, 105:19,
113:2, 117:5,
144:2, 146:17,
149:8, 156:24,
158:15, 161:14,
163:5, 164:25,
170:1, 177:7,
180:16, 198:20,
198:25, 201:24
sort [1] - 122:21
sounds [2] - 13:13,
48:21
source [2] - 146:20,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 227 of
231
157:9
source.ACH [1] -
157:3
South [1] - 16:6
Southeast [1] - 107:2
SOUTHERN [1] - 1:1
Southern [1] - 205:8
space [1] - 116:8
speaking [3] - 61:24,
97:9, 122:6
specific [4] - 17:13,
76:2, 83:16, 97:22
specifically [3] -
13:3, 55:19, 92:16
spectator [1] - 9:6
speed [1] - 190:11
spell [1] - 91:14
spend [2] - 186:15,
191:20
spent [2] - 186:6,
186:8
spoken [6] - 10:25,
30:25, 48:16,
71:18, 122:3,
142:14
spotless [1] - 117:20
spray [3] - 64:15,
65:20, 66:11
sprayed [1] - 88:5
spraying [13] - 53:24,
66:10, 68:16,
72:12, 73:15,
85:11, 85:13,
85:14, 86:15, 88:4,
88:5, 88:7
spreadsheet [1] -
146:22
Springs [7] - 10:16,
39:13, 39:16,
39:18, 39:25, 64:4,
70:5
St [4] - 40:1, 106:12,
107:3
staff [1] - 17:6
stage [2] - 202:12,
202:15
stamp [1] - 150:20
stand [1] - 90:3
standard [3] - 201:2,
202:14, 203:17
stands [2] - 90:20,
132:22
Star [1] - 154:21
start [11] - 19:1, 28:8,
39:11, 62:12,
105:4, 125:21,
163:8, 188:10,
190:1, 191:15
started [9] - 25:18,
44:14, 46:1,
137:23, 142:24,
143:5, 156:10,
168:5, 168:6
starting [3] - 156:17,
160:24, 168:25
state [5] - 2:13,
30:18, 48:12,
63:21, 91:14
State [1] - 75:24
statement [19] - 26:8,
43:8, 45:13, 83:9,
105:21, 106:2,
106:6, 107:21,
108:22, 108:24,
109:13, 109:14,
109:15, 110:18,
110:21, 147:18,
153:8, 194:11,
195:1
statements [8] -
20:14, 41:23,
193:3, 194:24,
196:20, 201:17,
202:16
states [3] - 14:17,
189:4, 204:14
STATES [3] - 1:1,
1:3, 1:11
States [10] - 1:14,
1:22, 22:4, 35:15,
71:21, 99:12,
137:22, 195:2,
205:7
stationed [1] - 112:4
status [1] - 200:14
stay [3] - 50:24,
55:14, 67:19
Steinbeisser [2] -
205:5, 205:6
STEINBEISSER [1] -
1:21
stenography [1] -
1:24
stenotype [1] - 205:4
step [4] - 47:20,
128:23, 161:22,
192:20
Step [8] - 16:9, 25:9,
25:11, 37:1, 43:12,
43:15, 44:21,
113:21
stick [3] - 50:20,
50:23, 151:7
sticker [3] - 75:8,
78:5, 80:24
still [7] - 16:15, 57:8,
67:9, 67:10, 77:1,
92:22, 120:22
stipulate [1] - 12:5
stipulation [2] -
61:25, 119:4
stop [3] - 63:13,
160:3, 189:12
storage [4] - 115:20,
115:23, 115:24,
116:8
storages [2] -
115:25, 116:3
straight [1] - 178:18
strike [1] - 27:9
stuff [6] - 93:1, 94:3,
94:5, 94:11, 96:11,
100:12
subject [3] - 5:24,
6:14, 194:16
submit [1] - 15:3
submitted [4] - 14:1,
14:4, 57:8, 118:22
subpoena [25] - 9:1,
11:9, 15:5, 15:10,
15:12, 15:15,
52:20, 55:5, 55:7,
55:16, 56:11,
56:12, 57:7, 58:3,
58:19, 58:25, 59:7,
59:14, 59:18,
60:23, 60:25, 90:8,
90:9, 90:10, 90:11
subpoenaed [6] -
2:20, 7:24, 11:15,
12:21, 58:11,
120:13
subpoenas [2] -
8:24, 60:22
subsequently [1] -
19:23
substance [1] - 14:25
substantial [1] -
202:21
substantially [1] -
118:8
substantive [1] -
12:22
success [2] - 143:24,
143:25
successful [3] -
144:6, 144:10,
148:19
suffice [1] - 198:15
sufficient [4] - 14:10,
14:20, 15:4, 102:8
suggest [5] - 190:9,
198:23, 199:1,
199:9, 201:3
suggesting [2] -
198:4, 198:21
suit [1] - 64:21
summary [3] -
150:10, 150:11,
150:12
SunTrust [9] - 24:20,
108:20, 109:13,
110:1, 112:23,
113:18, 113:20,
113:22, 115:7
supplies [4] - 16:14,
115:19, 115:25,
116:4
supply [2] - 95:2,
140:2
support [1] - 14:21
supporting [3] -
172:4, 173:21,
175:3
supposed [4] - 2:7,
23:8, 32:24, 44:20
surrounding [1] -
177:13
suspended [2] -
10:10, 10:14
suspicious [2] -
20:24, 121:19
sustained [9] - 11:10,
69:10, 69:20,
70:25, 97:3, 97:7,
135:1, 139:16,
178:23
swear [1] - 85:5
sworn [6] - 50:14,
63:6, 63:23, 91:11,
91:12, 167:19
symbol [3] - 128:12,
128:13, 128:14
system [1] - 10:13
systems [1] - 14:3
T
tab [1] - 150:17
table [2] - 73:21, 74:7
tablet [1] - 41:7
Tamarac [4] - 92:1,
92:2, 95:13, 95:14
Tampa [1] - 51:12
tax [18] - 21:8, 21:15,
35:10, 67:4, 67:25,
68:1, 95:19, 95:25,
119:9, 119:20,
123:25, 124:4,
129:22, 132:10,
132:24, 133:1,
133:4
taxable [2] - 43:17,
69:25
taxes [9] - 46:14,
46:21, 46:25, 47:4,
54:4, 117:14,
133:16, 133:22
technician [2] - 59:4,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
228
92:15
tecum [1] - 58:4
ten [8] - 50:13, 58:6,
98:8, 185:6,
185:13, 185:14,
186:4, 203:8
ten-minute [1] -
50:13
tender [3] - 69:17,
97:4, 121:21
Terrace [1] - 95:13
testified [36] - 13:3,
15:9, 19:25, 34:10,
36:6, 71:25, 72:5,
72:12, 77:4, 79:17,
83:24, 84:5, 91:1,
99:19, 99:22,
117:2, 120:6,
124:18, 125:22,
126:21, 129:24,
131:2, 137:23,
149:14, 155:3,
163:21, 164:15,
169:1, 172:20,
174:4, 178:1,
180:9, 182:15,
184:11, 202:8,
203:10
testify [14] - 49:12,
49:13, 50:14,
54:11, 55:16,
62:17, 62:22,
62:23, 63:12,
149:21, 164:17,
164:18, 164:20,
183:19
testifying [2] - 63:3,
152:18
testimony [44] -
15:22, 48:20,
50:10, 51:13, 52:7,
53:1, 62:13, 63:13,
63:16, 70:13,
72:14, 73:3, 73:14,
82:4, 84:13, 99:15,
117:13, 130:2,
141:4, 142:16,
142:21, 142:22,
144:5, 148:6,
151:25, 152:14,
155:15, 155:17,
155:22, 156:9,
167:19, 176:8,
178:14, 181:7,
193:17, 195:6,
195:8, 195:12,
195:23, 196:11,
197:11, 197:20,
201:9, 201:20
Texas [2] - 37:7,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 228 of
231
112:4
text [8] - 4:7, 4:8, 4:9,
32:11, 140:12
texted [1] - 5:12
texts [1] - 4:16
Thakral [2] - 59:9,
156:9
THE [304] - 1:10,
1:12, 1:15, 2:2, 2:7,
2:11, 2:13, 2:16,
2:18, 2:20, 2:22,
2:25, 3:3, 3:5, 3:7,
3:12, 3:16, 3:19,
3:22, 4:1, 4:4, 4:8,
4:12, 4:23, 5:1, 5:4,
5:16, 5:20, 6:2, 6:5,
6:7, 6:10, 6:14,
6:17, 6:20, 6:23,
6:25, 7:4, 7:8, 7:10,
7:22, 7:25, 8:3, 8:7,
8:9, 8:11, 8:14,
8:18, 8:20, 8:23,
9:1, 9:3, 9:6, 9:11,
9:13, 9:18, 9:21,
9:23, 9:25, 10:21,
11:2, 11:5, 11:13,
11:21, 12:1, 12:9,
12:17, 12:20,
13:11, 13:21,
13:24, 14:7, 14:11,
14:14, 15:7, 15:11,
15:16, 15:19,
15:21, 39:3, 47:13,
47:20, 48:6, 48:10,
48:24, 49:5, 49:8,
49:11, 49:15,
49:18, 49:21,
49:24, 50:8, 50:12,
50:18, 50:22, 51:2,
51:8, 51:17, 51:19,
51:22, 52:3, 52:10,
52:14, 52:17,
52:21, 53:3, 53:12,
53:14, 53:16,
53:18, 54:9, 54:19,
54:23, 55:1, 55:4,
55:7, 55:11, 55:13,
55:25, 56:3, 56:12,
56:16, 56:20,
56:22, 57:2, 57:10,
57:15, 57:21, 58:2,
58:5, 58:9, 58:23,
59:8, 59:11, 59:16,
59:20, 59:24, 60:2,
60:4, 60:11, 60:13,
60:17, 60:20,
60:24, 61:3, 61:7,
61:11, 61:13,
61:18, 61:20,
61:23, 62:1, 62:7,
62:10, 62:13,
62:16, 62:21, 63:1,
63:7, 63:10, 63:24,
68:12, 68:20,
69:10, 69:18,
69:20, 70:21,
70:23, 70:25, 71:4,
73:25, 74:4, 74:9,
74:11, 74:20,
74:22, 75:4, 75:13,
75:15, 86:1, 86:4,
86:22, 86:24,
86:25, 87:1, 87:5,
87:6, 87:7, 89:9,
89:11, 89:13,
89:17, 89:19,
89:24, 90:9, 90:15,
91:5, 91:10, 91:13,
91:15, 96:14, 97:3,
97:5, 97:7, 97:12,
98:6, 98:9, 98:20,
99:3, 101:2, 101:4,
101:13, 101:16,
101:20, 101:25,
102:3, 102:7,
102:9, 102:15,
102:18, 103:9,
104:16, 104:20,
104:23, 105:2,
106:19, 106:21,
107:8, 107:11,
108:15, 109:5,
109:7, 109:20,
109:23, 119:6,
119:8, 119:11,
119:14, 134:25,
135:1, 139:16,
148:25, 150:8,
150:10, 150:14,
159:6, 159:7,
160:3, 160:7,
160:9, 164:25,
171:20, 177:5,
178:5, 178:23,
182:2, 188:2,
189:12, 189:17,
189:21, 189:24,
190:4, 190:6,
190:12, 190:16,
190:20, 190:23,
191:1, 191:4,
191:7, 191:10,
191:14, 192:3,
192:10, 192:14,
192:20, 193:18,
194:12, 195:6,
195:11, 195:22,
196:3, 196:9,
196:22, 197:13,
197:18, 198:3,
198:11, 198:16,
198:25, 199:4,
199:7, 199:12,
199:19, 200:3,
200:6, 200:21,
202:13, 202:18,
203:16, 204:8,
204:11, 204:13
thereabouts [1] -
133:7
therefore [3] - 59:1,
184:6, 196:21
thinks [1] - 6:11
thousand [11] -
22:11, 22:13,
22:16, 28:1, 28:6,
28:7, 54:6, 67:12,
106:15, 112:15,
203:7
three [27] - 31:1,
77:14, 77:15,
77:17, 125:12,
142:14, 142:16,
142:17, 144:11,
144:22, 165:14,
169:9, 169:19,
169:24, 170:7,
176:7, 176:10,
177:23, 178:12,
180:3, 181:6,
184:18, 184:21,
190:10, 193:24
throughout [1] -
137:19
throw [1] - 90:16
throwing [1] - 14:11
Thursday [2] - 4:19,
4:24
ticket [3] - 10:9,
10:11, 10:15
timely [2] - 34:5,
34:15
TIN [2] - 127:1
title [1] - 14:17
today [7] - 54:25,
102:10, 130:16,
191:19, 204:4,
204:19, 204:20
together [2] - 15:1,
196:7
tomorrow [8] -
191:15, 191:20,
191:25, 192:9,
197:5, 203:25,
204:16, 204:21
took [17] - 75:20,
76:3, 77:13, 77:17,
78:14, 78:18, 79:3,
79:5, 79:23, 80:6,
81:11, 82:10,
161:20, 163:8,
167:1, 202:9
top [13] - 110:20,
113:24, 125:22,
126:4, 128:4,
128:5, 129:9,
129:14, 157:16,
169:14, 175:22,
184:10, 184:22
topic [2] - 135:4,
190:22
topics [1] - 192:12
total [8] - 28:2, 102:6,
126:15, 177:24,
178:25, 186:19,
203:1, 203:5
totaling [2] - 29:11,
203:8
tough [1] - 150:1
towards [1] - 196:16
Trace [1] - 184:3
Tracy [63] - 1:19,
25:2, 115:1,
122:23, 123:2,
123:6, 123:14,
124:24, 125:2,
125:3, 125:7,
125:8, 125:23,
125:25, 126:1,
126:5, 126:10,
126:21, 127:6,
130:16, 131:15,
131:16, 131:17,
131:20, 132:4,
143:17, 143:21,
144:10, 148:19,
151:2, 152:19,
160:12, 160:22,
160:25, 161:5,
161:7, 161:17,
161:23, 162:3,
162:11, 162:15,
163:10, 163:11,
167:3, 167:6,
167:9, 167:12,
167:15, 168:1,
168:7, 168:13,
168:14, 168:19,
174:13, 175:5,
176:12, 177:24,
180:16, 180:17,
184:11, 184:12,
184:14, 184:19
TRACY [1] - 1:7
traffic [2] - 10:9,
10:11
transaction [5] -
107:1, 107:5,
107:15, 155:8,
157:3
transactions [17] -
Lance W. Steinbeisser - Federal Certified Realtime Reporter
229
139:20, 143:11,
143:12, 156:8,
156:11, 156:16,
156:20, 157:1,
159:15, 159:18,
159:20, 159:22,
159:23, 160:17,
160:21, 163:18,
193:22
TRANSCRIPT [1] -
1:10
transcript [1] - 1:24
transcription [2] -
1:25, 205:3
transit [2] - 17:16,
31:18
transmitted [1] -
163:1
Treasury [1] - 121:11
trial [8] - 48:19,
49:13, 55:17,
58:21, 137:19,
193:4, 195:3,
202:12
TRIAL [1] - 1:10
tried [6] - 10:12,
34:15, 45:9, 70:13,
87:20, 88:10
tries [1] - 117:14
trouble [3] - 45:12,
80:8, 170:4
troubled [2] - 16:12,
16:13
true [14] - 60:9,
122:9, 136:17,
136:18, 138:7,
138:21, 144:3,
144:4, 144:5,
144:8, 172:5,
173:21, 175:2,
187:4
Truist [1] - 24:21
trust [11] - 19:6,
19:18, 34:11,
34:23, 34:24,
86:16, 133:14,
133:16, 133:20,
134:6, 196:1
trusted [6] - 19:9,
19:11, 121:17,
181:21, 196:5
trusting [1] - 19:14
truth [9] - 9:3, 9:5,
12:14, 12:17,
60:17, 61:1, 61:2,
61:3, 87:23
try [9] - 5:13, 32:11,
57:21, 65:24, 66:8,
72:17, 88:18,
190:15, 191:19
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 229 of
231
trying [19] - 11:7,
12:25, 13:14,
23:23, 44:11,
44:17, 45:2, 45:12,
61:14, 72:22,
76:24, 81:19, 82:7,
87:21, 94:13,
170:2, 190:8,
192:3, 192:6
turn [5] - 50:9, 51:16,
63:9, 71:11, 120:14
turned [1] - 10:11
TV [2] - 30:9, 92:18
TVs [2] - 93:2, 93:3
TW [6] - 170:24,
171:2, 171:9,
173:14, 187:1,
187:5
twice [2] - 145:7,
183:11
two [56] - 13:17, 16:8,
29:8, 29:16, 30:3,
30:25, 62:12,
102:2, 114:18,
115:25, 116:3,
117:24, 118:3,
142:14, 142:16,
142:17, 143:7,
143:11, 143:12,
144:11, 144:22,
145:4, 145:10,
152:5, 152:6,
154:3, 156:8,
156:10, 167:15,
167:16, 167:21,
169:9, 171:5,
173:14, 174:18,
175:14, 176:3,
179:20, 179:21,
179:25, 181:6,
182:1, 183:4,
189:21, 190:3,
190:7, 190:8,
190:10, 190:25,
192:5, 194:4,
198:6, 203:2
Two [1] - 16:10
type [7] - 17:13,
30:16, 47:6,
120:17, 150:21,
154:7, 156:5
typed [4] - 156:7,
168:3, 168:6, 204:1
typically [1] - 113:11
typo [1] - 45:17
Typo [1] - 45:17
U
ultimately [1] - 173:6
Ultra [1] - 135:21
unable [2] - 25:15,
25:17
unaware [1] - 18:11
unclear [1] - 168:13
uncommon [2] -
31:8, 112:7
under [10] - 14:9,
14:23, 21:22, 23:5,
44:12, 133:8,
143:25, 177:15,
179:9, 201:8
understood [1] - 48:8
unfamiliar [1] - 44:11
unit [2] - 32:14, 32:15
UNITED [3] - 1:1, 1:3,
1:11
United [10] - 1:14,
1:22, 22:4, 35:14,
71:21, 99:12,
137:22, 195:2,
205:7
unless [2] - 13:11,
149:21
unlike [1] - 182:23
unusual [1] - 74:23
up [49] - 10:8, 17:7,
21:23, 27:21, 30:6,
31:4, 33:25, 34:1,
37:23, 38:7, 39:19,
39:22, 41:18,
44:17, 45:17,
47:15, 48:4, 51:11,
51:12, 51:22, 78:2,
80:21, 90:24,
110:23, 113:1,
117:8, 117:15,
118:10, 118:20,
131:3, 131:4,
131:5, 133:9,
141:12, 143:18,
146:16, 146:18,
150:23, 162:18,
172:17, 173:8,
178:8, 178:11,
178:13, 179:14,
190:11, 192:8,
195:24
upload [8] - 73:11,
83:9, 150:22,
151:14, 154:7,
154:18, 155:11,
164:4
uploaded [18] - 26:7,
32:17, 32:23,
149:12, 149:17,
149:19, 150:4,
151:23, 152:11,
152:16, 153:8,
154:3, 154:10,
154:21, 155:24,
164:9, 193:22
uploading [10] -
73:11, 149:24,
151:11, 151:12,
151:15, 151:17,
165:13, 167:6,
167:15, 202:25
uploads [6] - 150:22,
151:2, 152:10,
167:20, 167:21,
168:24
upset [1] - 5:11
US [3] - 8:8, 9:14,
99:11
USAA [15] - 37:5,
37:7, 37:23, 37:24,
38:7, 40:13, 40:15,
103:1, 103:2,
103:14, 103:24,
104:8, 112:3,
124:21, 159:10
user [1] - 180:17
UTC [1] - 150:21
utilize [1] - 114:10
utilized [5] - 17:5,
17:6, 114:11
V
V.A [1] - 1:19
vague [1] - 68:11
variety [1] - 114:14
vehicle [1] - 181:16
vehicles [3] - 17:6,
18:3
vendors [3] - 46:20,
114:6, 185:20
ventures [1] - 19:10
verbally [1] - 142:2
verdict [4] - 197:1,
197:2, 197:3, 197:5
verification [2] -
73:4, 164:3
verified [1] - 193:23
verify [7] - 72:25,
80:9, 143:3, 143:4,
163:25, 165:24,
167:17
verifying [1] - 79:20
Verizon [22] - 135:6,
135:8, 135:10,
135:14, 136:5,
136:19, 137:21,
137:23, 138:5,
144:15, 146:16,
146:18, 147:12,
156:23, 163:19,
173:2, 174:7,
175:10, 183:16,
183:21, 183:24
Verizon's [3] - 137:5,
137:12, 144:23
version [1] - 157:4
versus [3] - 90:17,
195:2
via [2] - 59:17, 174:13
viewed [3] - 173:5,
174:8, 175:11
viewing [1] - 201:11
Villanueva [2] - 10:7,
10:16
violation [2] - 13:2,
19:15
virtually [1] - 33:25
voided [6] - 20:15,
24:12, 24:15, 25:9,
33:22, 36:25
voltage [2] - 93:2,
93:5
volunteered [1] -
66:25
vs [1] - 1:5
W
W-2 [1] - 185:25
Wade [186] - 1:18,
1:19, 10:3, 10:9,
16:1, 16:3, 16:6,
21:15, 23:1, 23:5,
24:5, 24:12, 24:15,
24:18, 25:2, 25:3,
25:13, 29:8, 31:23,
32:7, 39:8, 45:5,
46:7, 47:6, 50:10,
54:14, 55:22, 56:1,
56:17, 60:16,
63:14, 101:23,
108:12, 109:10,
109:25, 111:8,
111:13, 111:21,
112:21, 112:22,
113:3, 113:6,
113:10, 113:11,
113:25, 114:9,
114:22, 115:1,
115:23, 119:10,
119:20, 120:17,
121:13, 122:1,
122:21, 122:23,
123:2, 123:6,
123:15, 123:24,
124:3, 124:13,
124:24, 124:25,
125:2, 125:3,
125:7, 125:9,
125:16, 125:23,
125:25, 126:1,
Lance W. Steinbeisser - Federal Certified Realtime Reporter
230
126:5, 126:10,
126:21, 127:6,
130:11, 130:16,
131:15, 131:16,
131:17, 131:20,
132:4, 132:7,
132:10, 133:4,
133:10, 135:5,
138:12, 138:17,
139:3, 139:11,
139:18, 139:23,
140:22, 143:14,
143:17, 143:21,
144:10, 144:18,
144:22, 145:6,
145:13, 145:20,
145:25, 147:8,
148:14, 148:19,
152:19, 153:12,
154:4, 156:10,
156:20, 158:11,
158:12, 159:11,
159:20, 160:11,
160:12, 160:21,
160:22, 161:1,
161:3, 161:5,
161:7, 161:17,
161:24, 162:4,
162:5, 162:6,
162:7, 162:11,
162:15, 162:18,
163:10, 163:11,
163:17, 167:3,
167:6, 167:9,
167:12, 167:15,
168:1, 168:7,
168:12, 168:13,
168:15, 168:19,
174:13, 175:6,
176:13, 176:14,
177:24, 179:7,
179:9, 180:16,
180:17, 181:13,
182:6, 184:11,
184:12, 184:14,
184:19, 185:24,
186:1, 186:17,
193:17, 193:20,
194:6, 196:1,
197:23, 198:9,
201:15, 201:23,
202:1, 202:2,
202:8, 202:10,
202:18, 202:22,
203:6, 203:7
WADE [2] - 1:7, 1:7
Wade's [5] - 56:4,
56:6, 56:14, 63:16,
113:21
Wade.pdf [1] - 151:3
wait [3] - 15:16,
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 230 of
231
177:6, 189:21
Wait [1] - 45:3
waiting [3] - 38:25,
50:17, 62:2
walk [1] - 112:5
wants [2] - 13:24,
51:15
warns [1] - 194:16
wear [1] - 166:18
wearing [3] - 166:16,
166:17, 166:21
website [17] - 82:15,
82:19, 82:24,
83:12, 85:4, 85:7,
141:22, 143:2,
145:15, 146:2,
148:20, 153:18,
159:21, 159:24,
160:13, 160:18,
193:21
websites [1] - 141:8
week [5] - 3:5, 3:23,
5:6, 54:16, 120:12
weeks [1] - 33:3
welcome [1] - 50:24
West [2] - 123:9,
126:9
white [1] - 64:25
whole [3] - 61:21,
181:6, 194:4
Wi [3] - 137:3, 137:9,
137:12
Wi-Fi [3] - 137:3,
137:9, 137:12
wife [43] - 16:1, 16:9,
17:10, 18:15,
18:17, 18:20,
25:22, 26:10,
26:16, 26:21, 27:5,
27:16, 28:4, 29:25,
30:12, 32:1, 32:17,
32:22, 32:24, 35:5,
35:10, 35:17, 37:4,
38:14, 39:9, 40:14,
40:21, 42:21,
43:10, 43:11, 44:1,
44:12, 45:18,
45:21, 45:24,
67:17, 100:1,
100:4, 106:10,
116:21, 139:22,
142:3, 165:3
wife's [8] - 25:9, 26:2,
40:18, 41:7, 42:24,
43:6, 45:12, 124:22
WILCOX [36] - 1:17,
11:6, 11:18, 11:24,
12:8, 12:10, 12:19,
14:6, 14:8, 14:13,
14:16, 15:9, 15:14,
15:18, 57:20, 60:3,
60:5, 60:12, 60:14,
60:19, 60:21, 61:1,
61:5, 61:8, 61:12,
61:16, 61:19,
61:22, 62:4, 62:9,
90:2, 90:5, 90:10,
90:18, 192:18,
201:8
Wilcox [5] - 52:25,
59:6, 59:14, 59:25,
201:21
Wilmington [1] -
55:19
wire [2] - 194:23,
196:18
Wireless [9] - 135:6,
136:20, 137:21,
138:5, 144:15,
156:23, 173:2,
174:7, 183:17
Wireless's [1] -
175:10
withdrawal [1] -
112:5
withholding [2] -
46:21, 47:4
WITNESS [13] -
63:24, 74:20,
75:15, 86:1, 86:24,
87:1, 87:6, 89:13,
89:19, 91:15,
106:21, 134:25,
159:7
witness [60] - 2:11,
2:20, 4:11, 10:5,
12:2, 13:1, 13:9,
14:1, 14:4, 50:9,
51:6, 51:10, 51:19,
53:7, 56:23, 57:18,
59:3, 59:9, 62:22,
63:2, 63:6, 63:9,
63:12, 63:13,
63:15, 68:18, 71:2,
71:10, 71:11,
73:20, 74:6, 74:9,
74:10, 74:18,
74:21, 74:24,
75:13, 78:1, 80:20,
89:9, 89:23, 89:25,
90:3, 90:24, 91:1,
91:7, 91:12, 96:13,
98:9, 98:10, 101:2,
102:17, 120:6,
121:21, 137:23,
150:10, 191:11,
195:18, 195:21
witness's [1] - 52:25
witnesses [7] -
19:25, 62:12,
62:14, 62:16,
193:2, 204:18
woman [1] - 65:15
Womply [41] - 11:8,
13:25, 14:3, 15:5,
15:11, 15:14,
15:16, 52:9, 52:20,
52:21, 55:2, 55:18,
55:21, 56:7, 56:12,
56:23, 57:3, 57:17,
57:18, 58:10,
58:23, 58:24, 59:3,
59:5, 59:22, 60:23,
82:13, 82:15,
82:21, 83:9, 90:7,
90:11, 139:7,
146:22, 157:13,
157:19, 158:7,
160:13, 160:18,
163:1, 194:1
Womply's [20] -
82:19, 83:12, 85:4,
85:6, 139:12,
139:19, 139:25,
140:2, 141:22,
143:2, 145:6,
145:14, 146:1,
148:20, 153:18,
159:21, 159:23,
161:17, 163:3,
193:21
word [4] - 136:1,
198:18, 198:21,
203:9
words [6] - 5:22,
5:24, 10:18, 11:15,
128:14, 167:22
workers [4] - 46:11,
114:9, 114:10,
186:13
works [2] - 83:2,
185:24
worry [1] - 34:11
worth [2] - 40:5, 40:6
wow [2] - 46:2,
106:14
Wow [1] - 54:5
Wright [1] - 54:14
write [3] - 113:11,
115:14, 115:21
writing [1] - 171:15
written [2] - 115:16
wrote [9] - 111:13,
111:21, 112:12,
112:15, 112:17,
113:10, 113:25,
168:1, 203:7
Lance W. Steinbeisser - Federal Certified Realtime Reporter
231
Y
year [12] - 16:14,
17:25, 22:11,
30:19, 43:17, 54:7,
69:25, 105:17,
106:9, 120:24,
125:4, 126:24
years [19] - 7:23,
9:13, 16:3, 21:6,
33:4, 43:19, 54:6,
64:10, 64:11,
76:12, 76:16,
117:20, 133:2,
133:11, 134:3,
181:14, 181:18,
188:7, 203:10
yellow [2] - 78:5,
80:24
yes-or-no [1] - 134:8
young [2] - 94:16,
97:15
yourself [27] - 8:16,
72:18, 72:22, 73:7,
76:4, 77:10, 78:15,
83:7, 96:18,
100:18, 116:13,
139:18, 142:25,
156:6, 160:13,
160:18, 162:8,
163:24, 163:25,
165:15, 165:24,
166:4, 166:8,
167:1, 177:3,
177:10
youth [1] - 16:13
Z
Zelle [3] - 28:1, 28:7,
29:16
zero [2] - 156:9,
156:16
ZIP [3] - 64:4, 95:16,
107:3
Case 0:23-cr-60173-KMW Document 268 Entered on FLSD Docket 05/15/2025 Page 231 of
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