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Home Court filings U.S. v. Ahmed Sary Transcript of Proceedings — Guilty Plea — United States v. Ahmed Sary

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Transcript of Proceedings — Guilty Plea — United States v. Ahmed Sary

No. 1:23-cr-00344-RDB · Doc. 114 · Docket on CourtListener

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     Case 1:23-cr-00344-RDB    Document 114       Filed 08/26/25      Page 1 of 60
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 1                       IN THE UNITED STATES DISTRICT COURT
                             FOR THE DISTRICT OF MARYLAND
 2                                NORTHERN DIVISION

 3
          UNITED STATES OF AMERICA, )
 4                                  )
                      vs.           )             CRIMINAL CASE NO.
 5                                  )             1:23-cr-00344-RDB
          AHMED SARY,               )
 6                    Defendant.    )
          _________________________ )
 7
                               WEDNESDAY, OCTOBER 18, 2023
 8                                    Courtroom 5D
                                   Baltimore, Maryland
 9
                              TRANSCRIPT OF PROCEEDINGS
10                                   GUILTY PLEA
                       BEFORE THE HONORABLE RICHARD D. BENNETT
11

12      For the Government:

13      Paul Riley, Esquire
         US Attorney's Office
14       36 South Charles Street, 4th Floor
         Baltimore, MD 21201
15

16      For the Defendant:

17      Julie M. Reamy, Esquire
         Julie M. Reamy, Attorney at Law, LLC
18       1 Olympic Place, Suite 900
         Towson, MD 21204
19

20      Also Present:

21      Daniel Parker, FBI Special Agent
            _______________________________________________________
22
                 (Computer-aided Transcription of Stenotype Notes)
23
                  Reported by: Amanda L. Longmore, RPR, CRR, FCRR
24                        Federal Official Court Reporter
                         101 W. Lombard Street, 4th Floor
25                           Baltimore, Maryland 21201
                                    410-962-4474


                     Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
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                                        Guilty Plea 10/18/25


 1                                   P R O C E E D I N G S

 2            (2:36 p.m.)

 3                   THE COURT:        This is calling the case of United States

 4      versus Ahmed Sary, Criminal Number RDB-23-0344.                       I would note

 5      that there was originally a complaint filed as to this

 6      defendant quite some time ago, and now within the last -- I

 7      guess last two or three weeks a Criminal Information was filed

 8      and we are here for an arraignment and initial appearance on

 9      the Criminal Information.

10             The masking policies of this court have previously

11      required that masks be worn in all public areas of the

12      courthouse.     That is no longer the case, but it is still within

13      the discretion of the presiding judge.                  My courtroom has been

14      retrofitted with Plexiglass for quite some time and we started

15      taking down some of the Plexiglass, but we still have certain

16      portions of the courtroom that still are protected by

17      Plexiglass and we're gradually trying to get back to normal.

18      But I do inquire of the vaccination status of counsel and the

19      parties before me.

20             So with that, if counsel will identify themselves for the

21      record, please.

22                   MR. RILEY:        Good afternoon, Your Honor.                Assistant

23      U.S. Attorney Paul Riley on behalf of the Government.                          With me

24      at counsel table is Special Agent Dan Parker of the FBI.                         We

25      are both vaccinated and boosted, Your Honor.



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 1                   THE COURT:       Yes, Mr. Riley, nice to see you, and

 2      Agent Parker, nice to see you here.                I think you've been before

 3      me before, I think.

 4                   MR. PARKER:       Yes.     Thank you, sir.

 5                   THE COURT:       It's nice to have you back.                Nice to see

 6      you.   You may be seated.

 7             And on behalf of the defendant?

 8                   MS. REAMY:       Good afternoon, Your Honor.                For the

 9      record my name is Julie Reamy.              I represent Ahmed Sary who is

10      present and to my right.

11                   THE COURT:       Yes, Ms. Reamy.          And you're privately

12      retained in this matter; is that correct?

13                   MS. REAMY:       I am.     And also, Your Honor, I am

14      vaccinated and boosted twice.

15                   THE COURT:       Yes, and you're fully vaccinated and

16      boosted.    And I know you're here as one of the select members

17      of our Criminal Justice Act panel, so it's nice to have you

18      here and I understand you're privately retained.

19             And good afternoon to you, Mr. Sary.                  Am I pronouncing

20      your name correctly, sir?

21                   THE DEFENDANT:        Ahmed Sary, yes.

22                   THE COURT:       Mr. Sary, have you been fully vaccinated?

23                   THE DEFENDANT:        Yes, but no boost.

24                   THE COURT:       All right.       But you have been vaccinated?

25                   THE DEFENDANT:        I did.



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 1                   THE COURT:       Okay, that's fine.           Thank you very much.

 2             Ms. Reamy, do you know who the U.S. Probation Officer is

 3      who will be assigned in this case?

 4                   MS. REAMY:       Yes.    It's going to be Jessica Jackson.

 5      We're scheduled to meet with her after the hearing.

 6                   THE COURT:       All right.       Hold on one second here,

 7      please.    Jessica Jackson?

 8                   MS. REAMY:       Yes.

 9                   THE COURT:       Mr. Sary, let me just go over the process

10      here in federal court today on this matter.

11             You have been charged by way of a Criminal Information by

12      the U.S. Attorney for the District of Maryland.                      Ordinarily,

13      the Government cannot just of its own charge someone with a

14      crime.    There has to be a determination of probable cause.                   And

15      normally it's before a grand jury and it consists of

16      approximately 23 citizens from the community and they determine

17      if there's probable cause to believe that you committed a

18      particular offense or there may be a preliminary hearing in

19      front of a judge to determine whether or not there is probable

20      cause to believe you committed an offense.

21             Here, there is -- you're proceeding by way of a Criminal

22      Information, and I have before me a waiver of indictment form

23      here in this matter that indicates that you understand that you

24      have a right to prosecution by indictment and you're consenting

25      to prosecution by Criminal Information; is that correct?



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 1                   THE DEFENDANT:         Yes.

 2                   THE COURT:        I'm sorry, you have to keep your voice

 3      up, please.

 4                   THE DEFENDANT:         Yes.

 5                   THE COURT:        Okay.     And you've discussed the fact that

 6      you've been accused of an offense that the punishment for which

 7      may be imprisonment for more than one year and you understand

 8      your rights to require that you be indicted by a grand jury; is

 9      that correct?

10                   THE DEFENDANT:         Yes, Your Honor.

11                   THE COURT:        All right.       And are you under the

12      influence of any drugs or alcoholic beverage or any medication

13      of any kind?

14                   THE DEFENDANT:         No.

15                   THE COURT:        And you have -- you're satisfied you've

16      discussed this matter with your attorney Ms. Reamy in terms of

17      your rights in this regard?

18                   THE DEFENDANT:         Yes.

19                   THE COURT:        All right.       I find it's a knowing and

20      intelligent waiver for reasons so indicated here and as well as

21      the reasons that we'll be dealing with during the guilty plea

22      in this matter.

23             Ms. Maldeis, the waiver of indictment form will be filed.

24             Let me just go over -- essentially there is an initial

25      appearance here under Rule 5 of the Federal Rules of Criminal



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 1      Procedure with respect to this matter and this is your initial

 2      appearance here.

 3             The charge against you -- Ms. Reamy, I gather that he

 4      waives reading of the entire Criminal Information; is that

 5      right?

 6                   MS. REAMY:       Yes, Your Honor.

 7                   THE COURT:       But the charge basically here is that you

 8      committed wire fraud conspiracy in violation of 18 United

 9      States Code § 1349, and specifically it's alleged that you ran

10      a purported financial services business called Amex Financial

11      Group and that you prepared false and fraudulent Paycheck

12      Protection Program loan applications.                 I gather that was in

13      conjunction with the steps during the pandemic; is that

14      correct, Mr. Riley?

15                   MR. RILEY:       Correct, Your Honor.

16                   THE COURT:       And that program was implemented during

17      the throes of the COVID-19 pandemic, and it's alleged that you

18      prepared false and fraudulent loan applications for various

19      borrowers and false and fraudulent Economic Injury Disaster

20      Loan applications so as to wrongfully procure funds from that

21      program.    Do you understand that?

22                   THE DEFENDANT:        I understand that.

23                   THE COURT:       And it's alleged that one of the victims,

24      if not the main victim, was Cross River Bank, a federally

25      insured financial institution headquartered in New Jersey,



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 1      which was approved by the Small Business Administration to be a

 2      lender and participated as a lender in the Paycheck Protection

 3      Program, the PPP program during the pandemic.

 4             And that program was essentially a Coronavirus relief

 5      program, but in order to obtain such loans, qualifying

 6      businesses had to submit loan applications and under the

 7      Coronavirus Aid Relief and Economic Security Act, known as the

 8      CARES Act, the Small Business Administration was authorized to

 9      provide funds, essentially, with respect to this program and

10      that you were -- essentially that included an Economic Injury

11      Disaster Loan program application.

12             And it is essentially alleged that beginning in or around

13      April of 2020 and continuing through in or around January of

14      2022, here in the District of Maryland, that you knowingly and

15      willfully conspired with others to willfully execute and

16      attempt to execute a scheme and artifice to defraud the Small

17      Business Administration, Cross River Bank, and other lenders

18      and to obtain money by allegedly false and pretenses.

19             Do you understand the general nature of the charges

20      against you?

21                   THE DEFENDANT:        Yes.

22                   THE COURT:       And the manner and means of the scheme to

23      defraud included essentially both wire transfers and perhaps

24      even paper transfers, and it also involved filing false and

25      fraudulent records, including false United States Internal



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 1      Revenue Service forms and tax records.

 2             Again, do you understand the nature of those allegations?

 3                   THE DEFENDANT:        Yes.

 4                   THE COURT:       I think that fairly summarizes the nature

 5      of the charges against you.            You have a right to employ counsel

 6      or request appointment of counsel.               The reason I inquired of

 7      Ms. Reamy's status is she's well known to the Court and is a

 8      highly respected lawyer here in our court and she also appears

 9      here many times as court-appointed counsel.                    But in this matter

10      she's indicated that she was previously retained.                       You have a

11      right to employ counsel.           If you were unable to employ counsel,

12      you could have then sought to have the appointment of

13      court-appointed counsel.           Do you understand that?

14                   THE DEFENDANT:        Could we just stop?

15                   THE COURT:       I'm sorry?

16             (Pause in Proceedings.)

17                   THE COURT:       Do you understand if you could not have

18      afforded to retain --

19                   THE DEFENDANT:        Yes.

20                   THE COURT:       -- Ms. Reamy, you could have applied for

21      court-appointed counsel.           You would have to show financial

22      indigency and an inability to pay.               Not just anyone gets

23      court-appointed counsel, but you would have that right if you

24      were unable to employ counsel.

25             You have a right to a preliminary hearing, as I've



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 1      indicated, and you're not required to make any statement.                     In

 2      any statement that you make, you may stop at any time under

 3      principles of* the Supreme Court set forth under the --

 4      holdings of the Supreme Court as set forth in the case of

 5      Miranda versus Arizona in 1966, and any statement you do make

 6      may be used against you.           Do you understand that?

 7                   THE DEFENDANT:        I understand.

 8                   THE COURT:       You understand all your rights in that

 9      regard?

10                   THE DEFENDANT:        Yes.

11                   THE COURT:       All right.       And we're ready to proceed by

12      way of the arraignment here.             That's the initial appearance,

13      but we're about to proceed by way of an arraignment here.

14             I would note that I have reviewed the plea agreement in

15      this case which will be introduced as Government Exhibit Number

16      1 in a few moments here.           And specifically, in Paragraph 10,

17      there is an agreement that you have reached with the Government

18      with respect to this matter.             And the guilty plea that you're

19      about to proffer here this afternoon is pursuant to an

20      agreement with the Government as set forth in the plea

21      agreement letter, which will be introduced as Government

22      Exhibit 1 shortly, as I've said.               And in Paragraph 10 it notes

23      that you're pleading guilty here pursuant to a specific rule of

24      the Federal Rules of Criminal Procedure which provides that a

25      criminal defendant may agree upon a specific sentence or a



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 1       range of sentence.        Under 11(c)(1)(C) of the Federal Rules of

 2       Criminal Procedure, you may agree upon a range of sentence or a

 3       specific sentence.

 4             Here, you've agreed with the Government that the

 5       appropriate sentence in this case would be anywhere from 60 to

 6       114 months' incarceration in federal prison, which is anywhere

 7       from five years to nine and a half years in prison.                           Do you

 8       understand that?

 9                   THE DEFENDANT:         Yes.

10                   THE COURT:        I will certainly accept your guilty plea

11       here today under the terms of that agreement.                     That means if I

12       were inclined to sentence you to one day more than 114 months'

13       imprisonment, one day more than nine and a half years in

14       prison, you'd be free to withdraw your plea of guilty.                          Do you

15       understand that?

16                   THE DEFENDANT:         Yes.

17                   THE COURT:        By the same token, if I were inclined to

18       sentence you to one day less than 60 months' incarceration, one

19       day less than five years imprisonment, the Government could

20       withdraw from the plea agreement.               Do you understand that?

21                   THE DEFENDANT:         Yes.

22                   THE COURT:        So I will certainly accept your guilty

23       plea under those terms.          And consistent with that, Paragraph 11

24       as we'll be discussing, notes that you waive -- both you and

25       the Government waive appeal of any sentence within that range.



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 1       It will be up to your -- the lawyers will argue where you

 2       should be sentenced within that range and I'll be reviewing a

 3       Presentence Investigation Report which will be prepared by

 4       Ms. Jackson, the U.S. Probation Officer with whom you'll be

 5       meeting after these proceedings.                Do you understand that, sir?

 6                    THE DEFENDANT:         Yes.

 7                    THE COURT:        And so with that, Mr. Riley, I also to

 8       note there has been a notice to victims here, both the

 9       Government victims as well as officials of Cross River Bank,

10       correct?

11                    MR. RILEY:        Yes, Your Honor.

12                    THE COURT:        So with that I think that we're ready to

13       proceed with the guilty plea to the Criminal Information in

14       this case.     And, Ms. Maldeis, if you would administer the oath

15       to the defendant.

16             (Ahmed Sary was duly sworn.)

17                    THE CLERK:        And sir, can you please state and spell

18       your first and last name for the record, please?

19                    THE DEFENDANT:         Ahmed, A-h-m-e-d, Sary, S-a-r-y.

20                    THE CLERK:        Thank you.       And sir, what is your age?

21                    THE DEFENDANT:         46.

22                    THE CLERK:        What is the year -- just the year -- of

23       your birth?

24                    THE DEFENDANT:         1978.

25                    THE CLERK:        Have you received a copy of the



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 1       Information provided to you by the Government?

 2                   THE DEFENDANT:         I'm sorry, say again.

 3                   THE CLERK:        Have you received a copy of the

 4       Information?

 5                   THE DEFENDANT:         Yes.     Yes.

 6                   THE CLERK:        Have you read the Information or has the

 7       substance of the charge been explained to you?

 8                   THE DEFENDANT:         Yes.

 9                   THE CLERK:        Do you understand the charge placed

10       against you?

11                   THE DEFENDANT:         Yes.

12                   THE CLERK:        Ms. Reamy, you represent the defendant.

13       Are you satisfied that he understands the charge?

14                   MS. REAMY:        Yes.

15                   THE CLERK:        Mr. Sary, how do you wish to plead as to

16       Count 1 of the Information?

17                   THE DEFENDANT:         Guilty.

18                   THE CLERK:        The plea is guilty as to Count 1 of the

19       Information; is that correct?

20                   THE DEFENDANT:         Yes.

21                   THE COURT:        Thank you, Ms. Maldeis.

22             I would note that at the time of sentencing here, when you

23       return here to this court for sentencing in -- I think it's

24       going to be set for February 1st of next year, Mr. Sary, that

25       the Government will dismiss the initial complaint that was



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 1       filed.

 2             Correct, Mr. Riley?

 3                   MR. RILEY:        Yes, Your Honor.

 4                   THE COURT:        There are no other counts to be

 5       dismissed, correct?

 6                   MR. RILEY:        Correct, Your Honor.

 7                   THE COURT:        All right.       So with that, Mr. Sary -- and

 8       again, Ms. Reamy, am I pronouncing his name correctly, Sary?

 9                   MS. REAMY:        Yes.

10                   THE COURT:        Mr. Sary, do you understand, sir, that

11       you're now under oath?

12                   THE DEFENDANT:         Yes.

13                   THE COURT:        And do you understand if you were to

14       answer any of my questions falsely, those answers could later

15       be used against you in another prosecution for perjury or for

16       making false statements?

17                   THE DEFENDANT:         Yes.

18                   THE COURT:        So it's very important you answer my

19       questions truthfully.         If you don't understand a question,

20       we'll stop, we're not in any hurry here, and you can talk to

21       your attorney Ms. Reamy.

22             How far did you get in school, sir?

23                   THE DEFENDANT:         How far?

24                   THE COURT:        How far did you get in school, yes.

25                   THE DEFENDANT:         High school.



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 1                   THE COURT:         High school.        You are a high school

 2       graduate?

 3                   THE DEFENDANT:          Yes.

 4                   THE COURT:         And you obviously, then, can read and

 5       write the English language?

 6                   THE DEFENDANT:          Yes.

 7                   THE COURT:         Have you been treated recently for any

 8       mental illness or addiction to narcotic drugs of any kind?

 9                   THE DEFENDANT:          No.

10                   THE COURT:         Are you currently under the influence of

11       any drugs or medication or any alcoholic beverage of any kind?

12                   THE DEFENDANT:          No.

13                   THE COURT:         Is there medication that you normally

14       take which you did not take today?

15                   THE DEFENDANT:          No.

16                   THE COURT:         Do you take any kind of regular

17       medication?

18                   THE DEFENDANT:          Just acid reflux.

19                   THE COURT:         For acid reflux?

20                   THE DEFENDANT:          Yes, I do.

21                   THE COURT:         All right.       Ms. Reamy, are you satisfied

22       that your client is competent to proceed with this guilty plea

23       here today?

24                   MS. REAMY:         Yes, Your Honor.

25                   THE COURT:         Have you received a copy of the one-count



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 1       Criminal Information in this case, Mr. Sary, that is the

 2       written charges made against you?

 3                   THE DEFENDANT:         I'm sorry?

 4                   THE COURT:        Have you received a copy of the Criminal

 5       Information in this case, that is the written charges made

 6       against you?

 7                   THE DEFENDANT:         Yes.

 8                   THE COURT:        And have you fully discussed these

 9       charges with your attorney Ms. Reamy?

10                   THE DEFENDANT:         Yes.

11                   THE COURT:        Have you discussed the whole situation

12       with her including the evidence in the case?

13                   THE DEFENDANT:         Yes.

14                   THE COURT:        Witnesses that would be called and

15       perhaps the possibility of a trial and even an appeal if you

16       were found guilty by a jury in this case?

17                   THE DEFENDANT:         Yes.

18                   THE COURT:        Are you fully satisfied with Ms. Reamy

19       and her representation and the advice which she's given you?

20                   THE DEFENDANT:         Yes.

21                   THE COURT:        Is there anything you asked her to do

22       which she has not done?

23                   THE DEFENDANT:         No.

24                   THE COURT:        The Court has been advised that there is

25       a plea agreement in this case as set forth in a letter of



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 1       September 14, 2023, from Assistant U.S. Attorney Paul Riley to

 2       your attorney Julie Reamy, which has been marked as Government

 3       Exhibit 1, along with any attachments thereto.

 4             Ms. Reamy, if you'll retrieve that from Ms. Maldeis here

 5       up at the clerk's desk, and Ms. Maldeis will walk down and give

 6       the original of that letter to you.

 7             Looking there, Mr. Sary, at the original plea agreement

 8       letter as well as any attachments thereto, is that your

 9       signature there, sir, on Page 10 of the plea agreement letter?

10                   THE DEFENDANT:         Yes.

11                   THE COURT:        And as to any attachments, is that your

12       signature there on Page 16 as well?

13                   THE DEFENDANT:         Yes.

14                   THE COURT:        And did you have an opportunity to read

15       and discuss the plea agreement letter with your attorney,

16       Ms. Reamy, before you signed it in those places?

17                   THE DEFENDANT:         Yes.

18                   THE COURT:        And this is, in fact, the same agreement

19       which you signed; is that correct?

20                   THE DEFENDANT:         Correct, yes.

21                   THE COURT:        Has anyone made any other or different

22       promises or assurances to you in an effort to induce you to

23       plead guilty in this case other than what is set forth in the

24       plea agreement letter?

25                   THE DEFENDANT:         No.



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 1                   THE COURT:        Are you satisfied, Ms. Reamy, that this

 2       plea agreement letter sets forth the complete agreement that

 3       your client has with the Government?

 4                   MS. REAMY:        Yes, Your Honor.

 5                   THE COURT:        And, Mr. Sary, are you satisfied that

 6       this plea agreement letter sets forth the complete agreement

 7       you have with the Government?

 8                   THE DEFENDANT:         Yes.

 9                   THE COURT:        All right.       Ms. Reamy, if you'll return

10       that to Ms. Maldeis, and that will be introduced as Government

11       Exhibit 1 for purposes of these proceedings.

12             Does any portion need to be sealed from the point of view

13       of the Government, Mr. Riley?

14                   MR. RILEY:        No, Your Honor.

15                   THE COURT:        Ms. Reamy, from your point of view?

16                   MS. REAMY:        No, Your Honor.

17                   THE COURT:        All right.       So that will not be sealed,

18       Ms. Maldeis, and can be filed as a matter of record.

19             Did you understand that -- I believe Ms. Reamy has a copy

20       of that plea agreement letter there at the table, Mr. Sary.

21       And in Paragraph 21 of the plea agreement letter, it notes that

22       the Court is not a party to it.              I haven't signed it anywhere.

23       Do you understand that?

24                   THE DEFENDANT:         Yes.

25                   THE COURT:        So I'll certainly abide by it under Rule



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 1       11(c)(1)(C) as I've indicated, and if I were not inclined to,

 2       either side could withdraw from the plea agreement but the

 3       11(c)(1)(c) plea sets a range of 60 to 114 months, but that is

 4       an agreement between you and the Government which I will

 5       accept, and if I don't, I'll certainly let everyone know, but

 6       I'm not a party to the agreement.               I haven't signed it

 7       anywhere.    Do you understand that?

 8                   THE DEFENDANT:         Yes.

 9                   THE COURT:        Has anyone tried to force you or threaten

10       you to plead guilty in this case?

11                   THE DEFENDANT:         No.

12                   THE COURT:        Are you pleading guilty on your own

13       freely and because you are, in fact, guilty of the crime

14       charged?

15                   THE DEFENDANT:         Yes.

16                   THE COURT:        Do you understand the offense to which

17       you're pleading guilty, specifically conspiracy to commit wire

18       fraud affecting a financial institution in violation of 18

19       United States Code § 1349 and 1343 is a felony offense?                       Do you

20       understand that?

21                   THE DEFENDANT:         Yes.

22                   THE COURT:        And if I accept your plea here this

23       afternoon and you're adjudged guilty of that offense, that

24       adjudication may result in your being deprived of certain

25       valuable civil rights.          Do you understand that?



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 1                    THE DEFENDANT:         Yes.

 2                    THE COURT:        You may lose the right to vote, you may

 3       lose the right to run for public office, you may lose the right

 4       to have firearms or ammunition.               Do you understand that?

 5                    THE DEFENDANT:         Yes.

 6                    THE COURT:        Is your client an American citizen,

 7       Ms. Reamy?

 8                    MS. REAMY:        Yes.

 9                    THE COURT:        All right.       So is he a naturalized

10       American citizen?

11                    MS. REAMY:        He's a naturalized citizen, Your Honor.

12                    THE COURT:        All right.       So deportation is not an

13       issue here.

14                    MS. REAMY:        Correct.

15                    THE COURT:        All right.       So to that extent, Mr. Sary,

16       fortunately for you, you've become an American citizen.

17       Otherwise you would face potential deportation issues.                         I'll

18       make a note here.

19               You might also be unable to keep certain licenses or

20       permits or jobs as a result of your guilty plea here or be able

21       to keep such benefits as public housing, for example, or

22       educational assistance loans, all those may be lost to you as a

23       result of your federal conviction here.                   Do you understand

24       that?

25                    THE DEFENDANT:         Yes.



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 1                   THE COURT:        If you've been convicted of another crime

 2       in the past and you were on parole or probation, you could face

 3       the possibility of violation of parole or probation because of

 4       your conviction here.         Do you understand that, sir?

 5                   THE DEFENDANT:         Yes.

 6                   THE COURT:        And by the same token if you were

 7       convicted of another crime in the future you might receive a

 8       harsher sentence from another judge in another courtroom

 9       because of your conviction here.               Do you understand that?

10                   THE DEFENDANT:         Yes.

11                   THE COURT:        And furthermore, the plea agreement

12       provides, first of all, in Paragraphs 12 through 16 for certain

13       matters of forfeiture in terms of forfeiting certain assets, is

14       forfeiture a factor here, Mr. Riley?

15                   MR. RILEY:        Yes, Your Honor.          In Paragraph 13, the

16       defendant has agreed to a money judgment in the amount of

17       $3,627,489.22 in U.S. currency.

18                   THE COURT:        All right.       Thank you.        I missed that

19       because I know Paragraph 20 has a restitution figure as well.

20                   MR. RILEY:        Yes, Your Honor.

21                   THE COURT:        But forfeiture is -- essentially they are

22       assets that have already been seized by the Government; is that

23       right?

24                   MR. RILEY:        No, Your Honor, but the Government is

25       asking the Court to -- the defendant has agreed to a money



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 1       judgment in that amount.

 2                    THE COURT:       All right.       You understand that

 3       essentially Paragraphs 12 through 16 in terms of forfeiture

 4       establish your agreement to have a money judgment against you

 5       in the amount of $3,627,489.22.              Do you understand that?

 6                    THE DEFENDANT:        Yes.

 7                    THE COURT:       And that would presumably be secured by

 8       some type of financial accounts or money that's available at

 9       this point in time.        Is that right, Mr. Riley?

10                    MR. RILEY:       It's not at this time, Your Honor, but

11       down the road --

12                    THE COURT:       Okay.

13                    MR. RILEY:       -- our office's Asset Recovery Unit will

14       take the appropriate steps.

15                    THE COURT:       Now, as to that, that $3,627,489.22

16       judgment, that is separate from any kind of joint and several

17       liability or it would go towards joint and several liability?

18                    MR. RILEY:       That is separate from joint and several

19       liability.

20                    THE COURT:       Correct, Ms. Reamy?

21                    MS. REAMY:       Yes.

22                    THE COURT:       That means also in Paragraph 20 of the

23       plea agreement -- I'll make a note -- there's also reference to

24       potential restitution of some $17.9 million.                    That will be

25       joint and several liability with any of the other defendants



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 1       who were involved in this overall conspiracy.                      Do you

 2       understand that?

 3                   THE DEFENDANT:          Yes.

 4                   THE COURT:         That means if one person has all the

 5       money, the Government could get all the money from that one

 6       person, or it means that different people might have to make

 7       contributions.       Do you understand that?

 8                   THE DEFENDANT:          Yes.

 9                   THE COURT:         As was noted in Paragraph 3 of the plea

10       agreement, do you understand that the maximum sentence provided

11       by statute for this offense is 30 years imprisonment, five

12       years of supervised release, and a maximum fine of $1 million

13       or twice the gain or loss anticipated.                  They are the maximum

14       penalties that obviously your 11(c)(1)(C) plea would protect

15       you from any kind of imprisonment for 30 years.                       Do you

16       understand that?

17                   THE DEFENDANT:          Yes.

18                   THE COURT:         And you must pay a special assessment of

19       $100 at the time of sentencing when you return here for

20       sentencing.     Do you understand that?

21                   THE DEFENDANT:          Yes.

22                   THE COURT:         And I've already mentioned the Court may

23       also order restitution, and Paragraph 20 notes a restitution

24       figure that would be joint and several with other defendants of

25       some $17.9 million.         Do you understand that?



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 1                    THE DEFENDANT:        Yes.

 2                    THE COURT:       Now, I mentioned supervised release,

 3       Mr. Sary.    Supervised release involves your compliance with

 4       certain conditions set by the Court and monitored by the

 5       Probation Office after your prison sentence.

 6               Do you understand that if you were to violate conditions

 7       of supervised release after you return from prison you could be

 8       sent back to federal prison without any credit for the time

 9       already served.      Do you understand that?

10                    THE DEFENDANT:        Yes.

11                    THE COURT:       It'd be a totally separate matter.

12       You'll be on supervised release for a period of time after you

13       finish your prison sentence.             And that's meant to be a

14       constructive process.         It's not a game of trying to catch you

15       doing something wrong, but it's meant to help supervise you, as

16       it says, in your release to acclimate yourself back to civilian

17       life.    Do you understand that?

18                    THE DEFENDANT:        Yes.

19                    THE COURT:       And if you were to violate those

20       conditions of supervised release, you could perhaps be sent

21       back to prison without any credit for the time already served.

22       Do you understand that?

23                    THE DEFENDANT:        Yes, Your Honor.

24                    THE COURT:       Are you satisfied then, Ms. Reamy, that

25       Mr. Sary understands all the possible consequences of his plea



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 1       of guilty?

 2                    MS. REAMY:       Yes, Your Honor.

 3                    THE COURT:       And, Mr. Sary, are you satisfied that you

 4       understand all the possible consequences of your plea of

 5       guilty?

 6                    THE DEFENDANT:        Yes.

 7                    THE COURT:       Let me just go over the process here in

 8       federal court with respect to sentencing.                   This is a little

 9       distinct from state court criminal cases.

10             There are two key opinions of the United States Supreme

11       Court that outline the process for sentencing in federal court.

12       First of all, in a case of United States versus Booker decided

13       now almost 19 years ago in January of 2005, the United States

14       Supreme Court upheld the constitutionality of the Federal

15       Sentencing Guidelines in the case of United States versus

16       Booker.   But the Supreme Court upheld the constitutionality of

17       the guidelines with the deletion of two particular sections of

18       the guidelines which had previously rendered the guidelines

19       mandatory.

20             The Supreme Court specifically noted in the Booker case

21       with the deletion of any mandatory provisions the balance of

22       the Federal Sentencing Guidelines was constitutional but from

23       that point forward in January of 2005, the Federal Sentencing

24       Guidelines were to be applied in an advisory context, meaning

25       that they were not binding upon federal judges but federal



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 1       judges should still take them into account and they were

 2       rendered effectively advisory as a result of that opinion.                    Do

 3       you understand that?

 4                   THE DEFENDANT:         Yes.

 5                   THE COURT:        And about three years later in a case of

 6       Gall versus the United States, the Supreme Court specifically

 7       provided further instruction to federal judges noting that

 8       federal judges should not presume that the federal sentencing

 9       guideline range is reasonable but it is a starting point in a

10       multistep process, pursuant to which first there's a

11       calculation of the guidelines and then there's the

12       consideration of other factors apart from the guidelines, the

13       goal being to impose a sentence which is sufficient but not

14       greater than necessary to achieve the goals of sentencing.                    And

15       there are other factors to be considered as well under 18

16       United States Code § 3553, which is referenced in Paragraph 5

17       of your plea agreement letter.

18              Those other factors to consider include your personal

19       history and characteristics, the nature and circumstances of

20       the offense, the sentence to be imposed or either have been

21       imposed or would be imposed upon similarly situated

22       individuals.     All those factors are taken into account when the

23       Court imposes the sentence when you return here on February

24       1st.

25              Do you understand that, sir?



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 1                    THE DEFENDANT:        Yes.

 2                    THE COURT:       And in fact, in Paragraph 5 of the plea

 3       agreement letter, which I've mentioned, the guidelines are

 4       discussed.    I gather you've discussed the guidelines that apply

 5       here in this case; is that right?

 6                    THE DEFENDANT:        Yes.

 7                    THE COURT:       And Paragraph 6 outlines the guideline

 8       calculation here, essentially in terms of a base offense level

 9       of seven, there's a 20-level increase because of the loss

10       amount here.     There is a two-level increase because of the

11       offense involving more than ten victims.                   There is a two-level

12       increase because of gross receipts from a financial

13       institution.     There's another two-level increase because of the

14       use of sophisticated means.            There's a three-level increase

15       because you were a manager or supervisor, although not an

16       organizer or a leader.

17             There will be a total of three levels of a downward

18       adjustment for your acceptance of responsibility, but it's

19       anticipated that the total offense level here under the

20       advisory guidelines here will be 33.                Do you understand that?

21                    THE DEFENDANT:        Yes.

22                    THE COURT:       And that would definitely expose you to

23       time in federal prison.          Do you understand that?

24                    THE DEFENDANT:        Yes.

25                    THE COURT:       Paragraph 7 indicates there's no



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 1       agreement as to your criminal history, which would be

 2       important.     If you have an extensive criminal history that will

 3       be a factor in my ultimately approving the agreed sentence of

 4       some six years to nine and a half years incarceration.                         Do you

 5       understand that, sir?

 6                    THE DEFENDANT:         Yes.

 7                    THE COURT:        And as I've already noted -- well,

 8       Paragraph 8, first of all, also notes that there are no other

 9       guideline issues involved here, and Paragraph 9 notes that the

10       Government will recommend a reasonable sentence within the

11       five- to nine-and-a-half-year range.                 That will be up to the

12       Government what it recommends, and obviously Ms. Reamy can

13       recommend a sentence at that low end of that agreed range of

14       five years.     Do you understand that process, sir?

15                    THE DEFENDANT:         Yes.

16                    THE COURT:        And Paragraph 10, as I've already noted,

17       provides for the agreed range of some five years to nine and a

18       half years' incarceration.

19             And do you also understand that as a result of your

20       conviction here, Mr. Sary, that you will not be permitted to

21       own, possess, or use a firearm.               Do you understand that?

22                    THE DEFENDANT:         Yes.

23                    THE COURT:        Now, do you understand I'll not be able

24       to determine the advisory guideline range in this case until

25       after a Presentence Investigation Report has been prepared by



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 1       the U.S. Probation Officer, in this case, it will be Jessica

 2       Jackson, and after she has prepared that report and after both

 3       you and Government counsel and your attorney have had an

 4       opportunity to review it and note any objections to it.

 5                   THE DEFENDANT:         Yes.

 6                   THE COURT:        You'll meet with her later today, she'll

 7       prepare a report, she'll see that Mr. Riley gets a copy, she'll

 8       see that Ms. Reamy gets a copy.              Ms. Reamy will go over it with

 9       you.   Either side will note any objections to it.                      Then

10       Ms. Jackson either will or will not make changes to the

11       presentence report and then ultimately it will come to me.                     Do

12       you understand that general process?

13                   THE DEFENDANT:         Yes.

14                   THE COURT:        So I'm the last one of all of you to see

15       it.    Do you understand that?

16                   THE DEFENDANT:         Yes, Your Honor.

17                   THE COURT:        So do you understand that the sentence

18       imposed within that five- to nine-and-a-half-year range might

19       be different from any estimate which Ms. Reamy's given you?                    Do

20       you understand that?

21                   THE DEFENDANT:         Yes.

22                   THE COURT:        She cannot predict exactly where on that

23       five- to nine-and-a-half-year range I'm going to sentence you

24       because I don't know until I have an opportunity to review the

25       presentence report.        Do you understand that?



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 1                   THE DEFENDANT:         Yes.

 2                   THE COURT:        Do you also understand, Mr. Sary, that

 3       parole has been abolished in the federal system and it's not

 4       the same as the state system?

 5                   THE DEFENDANT:         Yes.

 6                   THE COURT:        Let me explain what that means.

 7             For example, let's say it's a six-year sentence within the

 8       agreed range.     Under state law, a six-year sentence you might

 9       serve one-third of your time and serve maybe two years and then

10       be on parole for the next four years under the auspices of a

11       parole board.     That's not the way the federal system works.

12       There is no parole in the federal system.

13             Essentially, you can get between 50 and 54 days a year of

14       good time credit, which means in the case of the example of a

15       six-year sentence, you might accumulate good time credit of

16       some six months over a period of five years and then you could

17       be released early from the Bureau of Prisons, but it's not a

18       system where you just serve one-third of the sentence.                        Do you

19       understand that?

20                   THE DEFENDANT:         Yes.

21                   THE COURT:        And in Paragraph 11 of the plea

22       agreement, as I think I've specifically already addressed, both

23       you and the Government waive appeal of any sentence within that

24       range.   Do you understand that?

25                   THE DEFENDANT:         Yes.



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 1                    THE COURT:       And Paragraph 11(c) actually also

 2       reflects that you waive rights under what is known as the

 3       Freedom of Information Act.            That is a law that was passed by

 4       the U.S. Congress that permits American citizens to seek

 5       information from certain government agencies.                     You've had

 6       access to discovery in this case through your attorney and now

 7       that you're pleading guilty, you have no further right to file

 8       a Freedom of Information Act request with the Department of

 9       Justice.    Do you understand that, sir?

10                    THE DEFENDANT:        Yes.

11                    THE COURT:       I also want to make sure you understand

12       your waiver of certain rights under Paragraph 4 of the plea

13       agreement letter.       Specifically, do you understand that you

14       waive all rights in connection with a jury trial in this case?

15                    THE DEFENDANT:        Yes.

16                    THE COURT:       Do you understand you have a right to

17       plead not guilty to these charges and persist in that plea and

18       you have a right to a trial by jury for which 12 people would

19       be selected as jurors?

20                    THE DEFENDANT:        Yes.

21                    THE COURT:       And do you understand you'd have a right

22       to participate with Ms. Reamy in the selection of a jury in

23       this case?

24                    THE DEFENDANT:        Yes.

25                    THE COURT:       All the jurors would be brought into the



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 1       courtroom and you'd be able to see them and see what they look

 2       like and watch their responses and you'd be able to have input

 3       with Ms. Reamy in terms of the selection of a jury in this

 4       case.    Do you understand that?

 5                   THE DEFENDANT:         Yes.

 6                   THE COURT:        Do you also understand that at trial

 7       you'd be presumed to be innocent and the Government would have

 8       to prove your guilt beyond a reasonable doubt?

 9                   THE DEFENDANT:         Yes.

10                   THE COURT:        And there would have to be a unanimous

11       verdict of all 12 jurors before you could be convicted on the

12       one-count Criminal Information in this case.                    Do you understand

13       that?

14                   THE DEFENDANT:         Yes.

15                   THE COURT:        If 11 jurors voted to convict you and one

16       voted to acquit there would be a mistrial and we'd have a new

17       trial.   You could only be convicted on the unanimous verdict of

18       all 12 jurors.       Do you understand that, Mr. Sary?

19                   THE DEFENDANT:         Yes, Your Honor.

20                   THE COURT:        And furthermore, do you understand you'd

21       have the right to the assistance of your counsel for your

22       defense and the right to see and hear all witnesses and to

23       cross-examine all witnesses?

24                   THE DEFENDANT:         Yes.

25                   THE COURT:        And do you also understand on your own



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 1       part you would have the right to decline to testify unless you

 2       voluntarily elected to testify in your own defense?

 3                   THE DEFENDANT:         Yes.

 4                   THE COURT:        Under the Fifth Amendment to our

 5       Constitution you have a privilege against self-incrimination.

 6       The Government could not compel you to be a witness in this

 7       case, I could not compel you to be a witness, I could not call

 8       you as a witness.       Do you understand that?

 9                   THE DEFENDANT:         Yes.

10                   THE COURT:        If you did choose to go to trial and

11       testify, however, you could be subject to impeachment on

12       cross-examination and could be cross-examined about any prior

13       criminal record that you have if you had one.                     Do you

14       understand that?

15                   THE DEFENDANT:         Yes.

16                   THE COURT:        Do you also understand that should you

17       decide not to testify or put on any evidence but still go to

18       trial, that the facts of your not testifying or putting on any

19       evidence could not be used against you?

20                   THE DEFENDANT:         Yes.

21                   THE COURT:        And not only could it not be used against

22       you, but as I instructed the jury as it began its

23       deliberations, I would specifically tell the jury that they

24       should not consider in any way that you did not testify or tell

25       them that the burden never shifts from the Government to a



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 1       criminal defendant.         The burden is always upon the Government

 2       to prove guilt beyond a reasonable doubt.                    That burden never

 3       shifts to a defendant.           A criminal defendant is never required

 4       to prove his innocence.           The Government is always required to

 5       prove guilt beyond a reasonable doubt.                  Do you understand your

 6       rights in that regard, Mr. Sary?

 7                   THE DEFENDANT:          Yes.

 8                   THE COURT:         And furthermore, do you understand you

 9       have the right to the issuance of subpoenas to compel the

10       attendance of witnesses to testify in your defense?

11                   THE DEFENDANT:          Yes.

12                   THE COURT:         Just as the Government can require people

13       to come into the courtroom, so can you.                   You can give the names

14       and addresses of any persons whom you wanted to call to

15       Ms. Reamy and she would file those subpoenas with the Clerk of

16       the Court and those subpoenas would be issued and Ms. Reamy

17       would see that those persons received subpoenas.                       So just as

18       the Government could compel people to come into the courtroom,

19       so can you.     Do you understand that, sir?

20                   THE DEFENDANT:          Yes.

21                   THE COURT:         And if there was a trial in this case and

22       if you were found guilty, you could appeal both the verdict of

23       guilty as well as the sentence imposed.                   There'd be no waiver

24       of any right as there is now in terms of any kind of an appeal.

25       Do you understand that?



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 1                    THE DEFENDANT:        Yes.

 2                    THE COURT:       Do you further understand that by

 3       entering this plea of guilty, if I accept that plea in a few

 4       moments, there will be no trial and you will have waived or

 5       given up all your other rights to trial as I've just described

 6       them?

 7                    THE DEFENDANT:        Yes.

 8                    THE COURT:       Now, the charge to which you're pleading

 9       guilty, one-count Criminal Information, is that on or about

10       from April 2020 to January of 2022, that you were engaged in a

11       conspiracy pursuant to which -- and these are elements the

12       Government would have to prove at trial beyond a reasonable

13       doubt.    These are elements of proof of which the Government's

14       going to have to offer me in a few minutes here this afternoon,

15       that two or more persons agreed to try to accomplish a common

16       unlawful plan, that is alleged in the Criminal Information,

17       that two or more persons agreed to try to accomplish that

18       common plan to commit a fraud as involved in transmitting or

19       causing to be transmitted by means wire, radio, or television

20       communications in interstate and foreign commerce, it having

21       been -- that scheme having been devised or intending to devise

22       the scheme, that it affected a federally insured financial

23       institution, and that you knew the unlawful purpose of the

24       enterprise and willfully joined in it.

25               Do you understand the basic elements of the offense to



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 1       which you're pleading guilty here today, Mr. Sary?

 2                   THE DEFENDANT:         Yes, Your Honor.

 3                   THE COURT:        So with that, you may be seated for a few

 4       minutes and I'll call upon Assistant U.S. Attorney Paul Riley

 5       to summarize and make a representation concerning the facts the

 6       Government would be prepared to prove at trial so as to

 7       establish an independent factual basis for this Court's

 8       acceptance of a guilty plea to the one-count Criminal

 9       Information in this case.

10             Mr. Riley, I'll be glad to hear from you.

11                   MR. RILEY:        Yes, Your Honor.          Those facts are set out

12       in Pages 11 through 16 of Government Exhibit 1, the parties'

13       plea agreement, and I'll summarize them as follows:

14             The defendant Ahmed Sary, born March 1978, is a resident

15       of Baltimore, Maryland.          Beginning in April 2020 and continuing

16       through January 2022 in the District of Maryland, the

17       defendant, his coconspirator H.D. and others conspired together

18       to engage in a scheme to defraud a financial institution, Cross

19       River Bank, and the United States Small Business

20       Administration, or SBA, and other SBA-approved lenders to

21       obtain numerous fraudulent Paycheck Protection Program, or PPP,

22       loans and Economic Injury Disaster Loans, or EIDLs.

23             For the purpose of executing and attempting to execute

24       this scheme, the defendant and his coconspirators knowingly and

25       willfully transmitted and caused to be transmitted by means of



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 1       wire communications in interstate and foreign commerce

 2       writings, signs, signals, pictures, and sounds in violation of

 3       18 U.S.C. §§ 1349 and 1343.

 4             The defendant prepared numerous false and fraudulent EIDL

 5       and PPP loan applications for purported businesses that did not

 6       exist in any legitimate capacity and that included false

 7       information concerning, among other things, number of

 8       employees, monthly payroll costs, and revenue.

 9             The PPP applications routinely included false and

10       fraudulent Internal Revenue Service, IRS, tax forms created by

11       H.D. and that were provided to defendant along with fabricated

12       bank statements prepared by the defendant.                   These forms were

13       submitted by defendant and his coconspirators with the PPP

14       applications to substantiate the false representations made in

15       the applications.

16             The defendant received kickback payments from the loan

17       borrowers in exchange for his assistance in connection with the

18       submission of the fraudulent PPP and EIDL applications,

19       ultimately receiving $2,714,217.22 in kickbacks as a result of

20       the scheme to defraud charged in Count 1 in the Information.

21             These kickbacks amounted to at times up to 30 percent of

22       the amount of the loan in the application.                   The defendant used

23       the fraudulently obtained funds to travel to Dubai and Egypt on

24       multiple occasions, stay at luxury hotels including the Four

25       Seasons while there, to purchase property in Egypt and to,



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                                        Guilty Plea 10/18/25


 1       among other things, open a beachfront restaurant in Alexandria,

 2       Egypt called Sary's Kitchen.

 3             The conspiracy resulted in the disbursement of at least

 4       $14,807,609.37 in fraudulently obtained PPP funds in connection

 5       with more than 85 fraudulent PPP loans.                  More than ten

 6       financial institutions were victims in connection with the

 7       scheme, and the defendant derived more than $1 million in gross

 8       receipts from one or more financial institutions as a result of

 9       his offense.

10             The conspiracy likewise resulted in the disbursement of

11       $3,093,670.50 in EIDL funds in connection with 57 EIDL

12       applications.

13             In addition to loan fee kickbacks, the defendant himself

14       received $959,559.00 in PPP/EIDL funds for various purported

15       businesses that he controlled, and the defendant's crimes are

16       discussed in further detail in the Stipulation of Facts.

17             Now, with respect to the fraudulent applications for

18       businesses associated with the defendant in connection with the

19       conspiracy and scheme to defraud, the defendant submitted

20       multiple false and fraudulent EIDL and PPP loan applications in

21       connection with various purported businesses for which he owned

22       or otherwise had an interest.

23             There was a purported financial services business, AMEX

24       Financial Group, a purported meat packing business, Am Halal

25       Meat, a purported clothing company, Exclusive Menswear,



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                                         Guilty Plea 10/18/25


 1       purported talent agency, Sary Stars.                 None of these businesses,

 2       in fact, existed in any legitimate capacity.

 3             The submission of these applications resulted in multiple

 4       interstate wires from Maryland to Virginia which was the

 5       location of the SBA servers.              There's a chart in the

 6       Stipulation of Facts which lists entity, the loan type, the

 7       loan amount, as well as the funded date for multiple PPP and

 8       EIDL loans.     The total amount is $913,272 as reflected in the

 9       chart.

10             In the next section there is a discussion of -- and this

11       is on Page 13 -- the defendant's loan kickback scheme.                         In

12       addition to obtaining the fraudulent PPP and EIDL funds for his

13       own purported businesses, the defendant engaged in a scheme

14       with coconspirator H.D. to assist other coconspirators with

15       obtaining EIDL and PPP loans for various purported businesses

16       that did not exist in any legitimate capacity in exchange for a

17       kickback payment.        Mr. Sary would receive a kickback, typically

18       20 to 30 percent of the fraudulent loan amount in exchange for

19       his services, and at times would give H.D. a small portion of

20       that fee, typically 2 percent to 5 percent of the fraudulent

21       amount if H.D. assisted with the fraudulent application.

22             These applications grossly inflated the numbers of

23       employees, grossly inflated monthly payroll costs of the

24       purported businesses.          The PPP applications contained various

25       false and fraudulent IRS records prepared by H.D. and provided



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                                        Guilty Plea 10/18/25


 1       to defendant to support the payroll figures included in the

 2       fraudulent PPP applications, including false U.S. IRS Forms

 3       940, 941, and 944 for the purported businesses.

 4               The PPP applications likewise contained false and

 5       fraudulent February of 2020 bank statements prepared by the

 6       defendant which were meant to circumvent Cross River Bank's

 7       requirement and the requirement of other SBA-approved lenders

 8       that prospective borrowers submit documentation to support the

 9       certification the business was in operation on February 15,

10       2020.

11               With respect to defendant's receipt of kickbacks in

12       exchange for his work on the fraudulent PPP and EIDL

13       applications, the defendant laundered payments through bank

14       accounts he controlled but that were in the names of various

15       associates and more than 15 shell companies controlled by the

16       defendant, including the following entities:

17               Am Halal Meat, AMEX Financial Group, AMT Pizza, Sary

18       Stars, Black Diamond Sedan, Diva Productions, Vertical Payment

19       Processing, Holand Livestock, NR1 Transport, and Exclusive

20       Menswear.    The payments were structured by the defendant and

21       made in a manner to conceal the nature and total amount of

22       payments and created the appearance that the payments were for

23       legitimate business purposes, including by containing memos

24       that indicated falsely that the payments were for

25       business-related purposes.



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                                        Guilty Plea 10/18/25


 1                   THE COURT:        Mr. Riley, by the way, some of the

 2       evidence in this case was procured as a result of the issuance

 3       of a federal search warrant as well, correct?

 4                   MR. RILEY:        Correct, Your Honor.

 5                   THE COURT:        Out of this court?

 6                   MR. RILEY:        Correct, Your Honor.

 7                   THE COURT:        A magistrate judge of this court signed

 8       the search warrant.        Who was the magistrate judge?

 9                   MR. RILEY:        Your Honor, I believe it was Magistrate

10       Judge Coulson.       I'm looking to Agent Parker to --

11                   THE COURT:        That's fine.        It was a magistrate judge

12       of this court who authorized the search warrant.

13                   MR. RILEY:        Absolutely, yes, Your Honor.

14                   THE COURT:        I didn't mean to interrupt you.                 I'm

15       sorry.

16                   MR. RILEY:        No problem, Your Honor.

17             And the statement of facts goes on to discuss two specific

18       examples of fraudulent PPP loan applications submitted by the

19       defendant on Page 14 onto Page 15 there's a discussion of

20       fraudulent PPP loan for Nutscola Street Promotions, and based

21       on the false representations and fraudulent submissions made by

22       this defendant on March 26th, 2021, the loan was funded,

23       approximately $262,252 was distributed by Cross River Bank to a

24       Chase account controlled by coconspirator L.W., and the

25       Statement of Facts goes on to describe a $78,000 kickback



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                                        Guilty Plea 10/18/25


 1       payment or payments made by L.W. to the defendant.

 2               Page 15 of the Stipulation of Facts onto Page 16 discusses

 3       another fraudulent PPP loan that was part of the conspiracy.

 4       This was for a purported business called Yazee, Inc., and based

 5       on the false representations and fraudulent submissions made on

 6       behalf of the owner of that purported business, the owner of

 7       that business on March 22, 2021, received $250,723 from Cross

 8       River Bank to a Wells Fargo account he controlled, and that

 9       coconspirator thereafter paid the defendant a total amount of

10       $75,000 as a kickback in connection with that fraudulent PPP

11       loan.

12               In total, as set forth on Page 16, the defendant's

13       conspiracy with H.D. resulted in a disbursement of

14       $14,807,609.37 of fraudulently obtained funds in connection

15       with more than 85 fraudulent PPP loans.

16               Moreover, as noted, the defendant submitted numerous

17       fraudulent EIDL applications in connection with this scheme and

18       ultimately $3,093,670.50 in EIDL funds were disbursed in

19       connection with 57 fraudulent EIDL applications which contained

20       material misrepresentations concerning, among other things,

21       each purported business's existence, gross revenues, and

22       operating expenses.

23               As noted by Your Honor, the Stipulation of Facts concludes

24       with a discission of the federal search warrant that occurred

25       on April 29, 2022.        Search warrants were conducted and executed



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 1       at the office of AMEX Financial Group located at 1600 Hanover

 2       Street in Baltimore, an apartment adjoining the office for AMEX

 3       Financial Group, as well as the defendant's residence.

 4             From the defendant's residence -- I'm sorry, from the

 5       defendant's office and the apartment adjoining the defendant's

 6       office, law enforcement seized numerous pieces of evidence

 7       related to the defendant's scheme.               Law enforcement seized over

 8       90 hard copy files -- copies of files related to his submission

 9       of PPP and EIDL applications for various entities.                       These files

10       contained large amounts of personal identifying information,

11       copies of driver's license, Social Security cards and numbers,

12       bank statements, as well as copies of checks and PPP

13       application paperwork.          Some of the files contained fabricated

14       bank statements, tax documents submitted in connection with the

15       scheme.

16             The defendant executed the various fraud schemes discussed

17       in the Statement of Facts in part through the use of mobile

18       phones, computers, the Internet, multiple e-mail accounts, and

19       bank deposits and transfers, all of which involved interstate

20       wires, and the defendant and H.D. were in Maryland when they

21       transmitted the wire to execute the scheme.

22                   THE COURT:        Thank you very much, Mr. Riley.

23            (Conference at the bench. It is the policy of this
         Court that every guilty plea and sentencing proceeding include
24       a bench conference concerning whether the defendant is or is
         not cooperating.)
25



                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
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                                        Guilty Plea 10/18/25


 1                   THE COURT:        I would note that the matter of the

 2       forfeiture and the judgment is different from the matter of the

 3       restitution figure in Paragraph 20.                The restitution figure

 4       relates to an overall restitution that should be ordered as to

 5       Mr. Sary as well as other individuals.                 I know that this case

 6       is related to at least one other case U.S. versus Walker,

 7       22-0290, correct?

 8                   MR. RILEY:        Correct.      And in fact, Nutscola Street

 9       Promotions is the entity that's involved with the Walker case,

10       that's correct, Your Honor.

11                   THE COURT:        Okay.     But it's a different figure.

12                   MR. RILEY:        Yes, Your Honor.          So the $17 million,

13       17.9 million of restitution, the $250,000, give or take, for

14       the Nutscola Street Promotions' PPP loan application, that

15       would be included in the $17.9 million joint and several, Your

16       Honor.

17                   THE COURT:        Okay.     Thank you very much.

18             If you'll please stand, Mr. Sary.

19             Ms. Reamy, are there any modifications or additions to

20       that Statement of Facts?

21                   MS. REAMY:        No, Your Honor.

22                   THE COURT:        Mr. Sary, is that an accurate summary of

23       the facts in this case?

24                   THE DEFENDANT:         I'm sorry?

25                   THE COURT:        Is that an accurate summary of the facts



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 1       in this case?

 2                   THE DEFENDANT:          Yes, Your Honor.

 3                   THE COURT:         And did you, in fact, commit the crime as

 4       summarized by Mr. Riley on behalf of the Government?

 5                   THE DEFENDANT:          Yes, Your Honor.

 6                   THE COURT:         And do you still wish to plead guilty,

 7       sir?

 8                   THE DEFENDANT:          Yes.

 9                   THE COURT:         Specifically, Mr. Sary, how do you plead

10       to the one-count Criminal Information in this case, guilty or

11       not guilty?

12                   THE DEFENDANT:          Guilty.

13                   THE COURT:         Ms. Reamy, is there any reason that you

14       know of why this Court not accept his plea of guilty?

15                   MS. REAMY:         No, Your Honor.

16                   THE COURT:         It is the finding of this Court in the

17       case of United States versus Ahmed Sary, Criminal Number

18       RDB-23-0344, that the defendant is fully competent and capable

19       of entering an informed plea and that the defendant is aware of

20       the nature of the charges and the relevant consequences of his

21       plea of guilty, and the Court further finds that his plea of

22       guilty on the advice of competent counsel with whose services

23       he is satisfied is a knowing and voluntary plea supported by an

24       independent basis in fact sustaining each of the essential

25       elements of the offense charged.



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                                         Guilty Plea 10/18/25


 1             The plea is to be accepted, and the defendant is now

 2       adjudged guilty of conspiracy to commit wire fraud affecting

 3       financial institutions in violation of 18 United States Code

 4       § 1349 and 1343 as set forth in the one-count Criminal

 5       Information.

 6             Mr. Sary, a written Presentence Investigation Report will

 7       be prepared by Ms. Jessica Jackson, the U.S. Probation Officer,

 8       to assist the Court in sentencing, and apparently that's

 9       scheduled for immediately after these proceedings and Ms. Reamy

10       will be with you when you meet with Ms. Jackson.                       And after

11       Ms. Jackson prepares her report, both you and your attorney as

12       well as Government counsel can read the report and note any

13       objections to it, and she either will or won't make changes at

14       that time, and both you and Ms. Reamy will be afforded the

15       opportunity to speak on your behalf at the sentencing hearing.

16       So I will refer you to the U.S. Probation Office for a

17       Presentence Investigation Report.

18             Your date of sentencing here is -- was originally I think

19       going to be January 25, but now it is in fact February 1; is

20       that right?     So date of sentencing will be February 1, 2024, at

21       11:00 a.m.

22             Ms. Jackson shall prepare her Presentence Investigation

23       Report by November 27th.            Both Government counsel and your

24       counsel shall note any objections by December the 11th, and on

25       or before December 22nd, the probation officer will then file



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                                        Guilty Plea 10/18/25


 1       the report with the Court.

 2               If either side desires to call any witnesses, you should

 3       notify the opposing side as well as the Court by January the

 4       18th.    Sentencing memoranda are not required.                   This regular

 5       sentencing order provides that if you're going to submit

 6       sentencing memos, you should do so by January 18th.                           As I think

 7       both Mr. Riley and Ms. Reamy know, I don't really -- I'm not a

 8       stickler for that.        This is a regular sentencing order from my

 9       colleagues in terms of a time frame.                I don't need to have the

10       sentencing memoranda two weeks prior, but I need to get it

11       within a week prior.         I don't want to get it the night before.

12       But I'll sign this regular sentencing order to that effect.

13               Sentencing shall be on Thursday, February 1, 2024, at 11

14       a.m., and I have signed the regular sentencing order to that

15       effect, Ms. Maldeis.

16               Now, the defendant has been on release initially by order

17       of Chief Magistrate Judge -- I'm sorry, by order of Judge

18       Boardman, a District Court Judge, on May the 13th of 2022, and

19       then that was modified, I believe, in July of 2022 by

20       Magistrate Judge Coulson here, and the last entry I have is

21       that there was a temporary release of a passport for Mr. Sary.

22       That has now been surrendered back to the Clerk of the Court;

23       is that correct, Ms. Reamy?

24                    MS. REAMY:       Yes.    The same day.

25                    THE COURT:       Does the Government have any reason to



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                                        Guilty Plea 10/18/25


 1       believe that this defendant represents a risk of flight or a

 2       threat to the community, Mr. Riley?

 3                    MR. RILEY:       No, Your Honor, and the Government would

 4       ask that the Court continue this defendant on his current

 5       conditions of release.

 6                    THE COURT:       All right.       The current release

 7       conditions were summarized by Ms. Desiree Akuchie, the Senior

 8       U.S. Probation Officer, with respect to the current conditions

 9       of release, and he is currently in the third-party custody of

10       Isabella Sary.       Is that his wife who's here in court?                    Is that

11       correct?

12                    THE DEFENDANT:        Yes, Your Honor.

13                    MS. REAMY:       Yes, Your Honor.

14                    THE COURT:       Good afternoon to you, Mrs. Sary.                 Good

15       afternoon.

16                    MS. SARY:      Good afternoon.

17                    THE COURT:       The same conditions of release will still

18       apply as have been existent, and Pretrial Services has

19       recommended that you may remain on release pending sentencing.

20       It's very important for you to continue to comply in that

21       fashion.

22               And, Mrs. Sary, if you have any difficulties in that

23       regard, I would basically indicate you call Ms. Reamy right

24       away.    The point is don't do anything silly, Mr. Sary.                      This is

25       all being handled in a very civilized fashion.



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                                         Guilty Plea 10/18/25


 1             And Ms. Sary, in that manner, if you have any concerns

 2       call Ms. Reamy and let her know, okay?                  Do you understand what

 3       I'm saying?

 4                   MS. SARY:        Yes.     Yes, I do.

 5                   THE COURT:         Okay.     It's in your husband's best

 6       interest that that be the case.               So I'm certainly willing to

 7       allow you to remain on release pending sentencing, and that's

 8       also very important in terms of when you're ultimately

 9       sentenced here, Mr. Sary, whether it's for five years or

10       anything above that up to nine and a half years, I will

11       certainly permit your voluntary surrender at a federal prison,

12       and you would be designated for a minimum security prison where

13       you have liberal visiting rights and your wife and your son --

14       is your son here as well?            Is that correct?

15                   THE DEFENDANT:          Yes.

16                   THE COURT:         You're permitted to visit, and your

17       security clearance is definitely at such a level that it's

18       really in your interest to continue to comply and then

19       voluntarily surrender so that there are no handcuffs involved

20       and you report.       But that all is contingent upon your

21       continuing to comply with the conditions of release.                           Do you

22       understand that?

23                   THE DEFENDANT:          Yes.

24                   THE COURT:         All right.       Is there anything further

25       from the point of view of the Government on this matter,



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                                        Guilty Plea 10/18/25


 1       Mr. Riley?

 2                    MR. RILEY:       Your Honor, I apologize.              The only other

 3       thing would be that the Due Process Protection Act

 4       admonishment, the Government's -- the Rule 5 order, Your Honor.

 5                    THE COURT:       Rule 5 in terms of Ms. --

 6                    MR. RILEY:       I'm aware of my obligations.

 7                    THE COURT:       Ms. Maldeis, do you have a standard

 8       order?   I think you should.

 9                    THE CLERK:       Your Honor, there was already one

10       entered.

11                    THE COURT:       Was that already --

12                    MR. RILEY:       I apologize, Your Honor.

13                    THE COURT:       That's okay.        That's all right.

14                    MR. RILEY:       I apologize, Your Honor.

15                    THE COURT:       I should have known, Ms. Maldeis is very

16       efficient and she would have brought that to my attention.

17       That has to do with essentially any information that's

18       exculpatory in nature needs to be provided to you under the

19       principles of the case known as Brady versus Maryland as well

20       as Giglio versus the United States under a particular rule and

21       that has already been handled previous court.

22                    MR. RILEY:       Yes, Your Honor.          Thank you.        I apologize

23       for that.

24                    THE COURT:       That's okay.        No apology is necessary.

25       Made sure we confirmed that.             Anything else, Mr. Riley, from



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 1       your point of view?

 2                    MR. RILEY:       No, thank you, Your Honor.

 3                    THE COURT:       All right.       Nice to see you again, and

 4       Agent Parker, welcome back to our courtroom.                    Nice to see you

 5       here, sir.

 6                    MR. PARKER:       Thank you, sir.

 7                    THE COURT:       Nice to see you.

 8             And Ms. Reamy, anything further from your point of view?

 9                    MS. REAMY:       No, Your Honor.          Thank you.

10                    THE COURT:       All right.       It's nice to see you as

11       always, and always nice to see you in a privately retained case

12       as well.

13                    MS. REAMY:       Good to see you.

14                    THE COURT:       So with that, this court stands -- I

15       believe that's it for the day.              This court stands adjourned for

16       the day.    Thank you all very much.

17                    MR. RILEY:       Thank you, Your Honor.

18                    MS. REAMY:       Thank you.

19             (The proceedings concluded at 3:33 p.m.)

20

21

22

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25



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                                        Guilty Plea 10/18/25


 1                            CERTIFICATE OF OFFICIAL REPORTER

 2              I, Amanda L. Longmore, Registered Professional Reporter
         and Federal Certified Realtime Reporter, in and for the United
 3       States District Court for the District of Maryland, do hereby
         certify, pursuant to 28 U.S.C. § 753, that the foregoing is a
 4       true and correct transcript of the stenographically-reported
         proceedings held in the above-entitled matter and that the
 5       transcript page format is in conformance with the regulations
         of the Judicial Conference of the United States.
 6
                                       Dated this 26th day of August 2025
 7                                        -S-
                                       ______________________________________
 8                                     AMANDA L. LONGMORE, RPR, CRR, FCRR
                                       FEDERAL OFFICIAL COURT REPORTER
 9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25



                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                      Document 114                Filed 08/26/25            Page 52 of 60
                                                                                                                                  52
                                                Guilty Plea 10/18/25
$100 [1] - 22:19       20:12; 21:3;           18:3                   42:2, 5               11:19                 38:21; 42:13;
$14,807,609.37         35:12; 41:2, 12       7 [1] - 26:25          adjourned [1] -       Ahmed [7] - 2:4;       43:14
 [2] - 37:4; 41:14    1600 [1] - 42:1        8 [1] - 27:8            50:15                 3:9, 21; 11:16,      applications [22]
$17 [1] - 43:12       17.9 [4] - 21:24;      85 [2] - 37:5;         adjudged [2] -         19; 35:14; 44:17      - 6:12, 18, 20;
$2,714,217.22 [1]      22:25; 43:13, 15       41:15                  18:23; 45:2          Aid [1] - 7:7          7:6; 36:5, 9,
 - 36:19              18 [5] - 6:8; 18:18;   9 [1] - 27:9           adjudication [1] -    Akuchie [1] - 47:7     14-15, 18;
$250,000 [1] -         25:15; 36:3;          90 [1] - 42:8           18:24                alcoholic [2] -        37:12, 17, 20;
 43:13                 45:3                  940 [1] - 39:3         adjustment [1] -       5:12; 14:11           38:3, 22, 24;
$250,723 [1] -        18th [2] - 46:4, 6     941 [1] - 39:3          26:18                Alexandria [1] -       39:2, 4, 13;
 41:7                 19 [1] - 24:13         944 [1] - 39:3         administer [1] -       37:1                  40:18; 41:17,
$262,252 [1] -        1966 [1] - 9:5         a.m [2] - 45:21;        11:14                allegations [1] -      19; 42:9
 40:23                1978 [2] - 11:24;       46:14                 Administration         8:2                  applied [2] - 8:20;
$3,093,670.50 [2]      35:14                 abide [1] - 17:25       [4] - 7:1, 8, 17;    alleged [5] - 6:9,     24:24
 - 37:11; 41:18       1st [2] - 12:24;       able [4] - 19:20;       35:20                 17, 23; 7:12;        apply [2] - 26:4;
$3,627,489.22 [3]      25:24                  27:23; 31:1           admonishment           34:16                 47:18
 - 20:17; 21:5,       2 [1] - 38:20          abolished [1] -         [1] - 49:4           allegedly [1] -       appointed [4] -
 15                   20 [5] - 20:19;         29:3                  advice [2] - 15:19;    7:18                  8:9, 13, 21, 23
$75,000 [1] -          21:22; 22:23;         absolutely [1] -        44:22                allow [1] - 48:7      appointment [2] -
 41:10                 38:18; 43:3            40:13                 advised [1] -         almost [1] - 24:13     8:6, 12
$78,000 [1] -         20-level [1] - 26:9    accept [6] - 10:10,     15:24                Amendment [1] -       appropriate [2] -
 40:25                2005 [2] - 24:13,       22; 18:5, 22;         advisory [4] -         32:4                  10:5; 21:14
$913,272 [1] -         23                     34:3; 44:14            24:24; 25:2;         American [4] -        approved [3] -
 38:8                 2020 [5] - 7:13;       acceptance [2] -        26:20; 27:24          19:6, 10, 16;         7:1; 35:20; 39:7
$959,559.00 [1] -      34:10; 35:15;          26:18; 35:8           affected [1] -         30:4                 approving [1] -
 37:14                 39:5, 10              accepted [1] -          34:22                Amex [1] - 6:10        27:3
1 [13] - 9:16, 22;    2021 [2] - 40:22;       45:1                  affecting [2] -       AMEX [4] - 37:23;     April [4] - 7:13;
 12:16, 18; 16:3;      41:7                  access [1] - 30:6       18:18; 45:2           39:17; 42:1           34:10; 35:15;
 17:11; 22:12;        2022 [6] - 7:14;       acclimate [1] -        afforded [2] -        ammunition [1] -       41:25
 35:12; 36:20;         34:10; 35:16;          23:16                  8:18; 45:14           19:4                 areas [1] - 2:11
 37:7; 45:19;          41:25; 46:18          accomplish [2] -       afternoon [9] -       amount [11] -         argue [1] - 11:1
 46:13                2023 [1] - 16:1         34:15, 17              2:22; 3:8, 19;        20:16; 21:1, 5;      Arizona [1] - 9:5
10 [4] - 9:16, 22;    2024 [2] - 45:20;      account [4] -           9:19; 18:23;          26:10; 36:22;        arraignment [3] -
 16:9; 27:16           46:13                  25:1, 22; 40:24;       34:14; 47:14          38:7, 18, 21;         2:8; 9:12
11 [5] - 10:23;       21 [1] - 17:21          41:8                  age [1] - 11:20        39:21; 41:9          artifice [1] - 7:16
 29:21; 31:15;        22 [1] - 41:7          accounts [3] -         agencies [1] -        amounted [1] -        assessment [1] -
 35:12; 46:13         22-0290 [1] - 43:7      21:8; 39:14;           30:5                  36:21                 22:18
11(c [1] - 30:1       22nd [1] - 45:25        42:18                 agency [1] - 38:1     amounts [1] -         Asset [1] - 21:13
11(c)(1)(c [4] -      23 [1] - 4:16          accumulate [1] -       agent [1] - 40:10      42:10                assets [2] - 20:13,
 10:1; 18:1, 3;       25 [1] - 45:19          29:15                 Agent [3] - 2:24;     AMT [1] - 39:17        22
 22:14                26th [1] - 40:22       accurate [2] -          3:2; 50:4            answer [2] -          assigned [1] - 4:3
114 [3] - 10:6, 12;   27th [1] - 45:23        43:22, 25             ago [2] - 2:6;         13:14, 18            assist [2] - 38:14;
 18:3                 29 [1] - 41:25         accused [1] - 5:6       24:13                answers [1] -          45:8
11:00 [1] - 45:21     2:36 [1] - 2:2         achieve [1] -          agree [2] - 9:25;      13:14                assistance [3] -
11th [1] - 45:24      3 [1] - 22:9            25:14                  10:2                 anticipated [2] -      19:22; 31:21;
12 [5] - 20:12;       30 [4] - 22:11, 15;    acid [2] - 14:18       agreed [9] - 10:4;     22:13; 26:19          36:17
 21:3; 30:18;          36:21; 38:18          acquit [1] - 31:16      20:16, 25; 27:3,     apart [1] - 25:12     Assistant [3] -
 31:11, 18            33 [1] - 26:20         act [1] - 7:7           13, 17; 29:8;        apartment [2] -        2:22; 16:1; 35:4
13 [2] - 20:15;       3553 [1] - 25:16       Act [5] - 3:17; 7:8;    34:15, 17             42:2, 5              assisted [1] -
 38:11                3:33 [1] - 50:19        30:3, 8; 49:3         agreement [31] -      apologize [4] -        38:21
1343 [3] - 18:19;     4 [1] - 30:12          addiction [1] -         9:14, 17, 20-21;      49:2, 12, 14, 22     associated [1] -
 36:3; 45:4           46 [1] - 11:21          14:8                   10:11, 20;           apology [1] -          37:18
1349 [4] - 6:9;       5 [6] - 5:25; 25:16;   addition [2] -          15:25; 16:7, 9,       49:24                associates [1] -
 18:19; 36:3;          26:2; 38:20;           37:13; 38:12           15, 18, 24; 17:2,    appeal [5] - 10:25;    39:15
 45:4                  49:4                  additions [1] -         6, 20-21; 18:2,       15:15; 29:23;        assurances [1] -
13th [1] - 46:18      50 [1] - 29:13          43:19                  4, 6; 20:11;          33:22, 24             16:22
14 [2] - 16:1;                               addressed [1] -         21:4, 23; 22:10;     appearance [5] -      attachments [3] -
                      54 [1] - 29:13
 40:19                                        29:22                  25:17; 26:3;          2:8; 5:25; 6:2;       16:3, 8, 11
                      57 [2] - 37:11;
15 [4] - 39:9, 15;                           addresses [1] -         27:1; 29:22;          9:12; 39:22          attempt [1] - 7:16
                       41:19
 40:19; 41:2                                  33:14                  30:13; 35:13         application [5] -     attempting [1] -
                      6 [1] - 26:7
16 [6] - 16:12;                              adjoining [2] -        AHMED [1] -            7:11; 36:22;          35:23
                      60 [3] - 10:5, 18;




                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                     Document 114               Filed 08/26/25            Page 53 of 60
                                                                                                                               53
                                               Guilty Plea 10/18/25
attendance [1] -     birth [1] - 11:23       50:11                  37:25                41:25                contributions [1]
 33:10               Black [1] - 39:18      cases [1] - 24:9       coconspirator [4]    Conference [1] -       - 22:7
attention [1] -      board [1] - 29:11      catch [1] - 23:14       - 35:17; 38:14;      42:23                controlled [5] -
 49:16               Boardman [1] -         caused [1] - 35:25      40:24; 41:9         conference [1] -       37:15; 39:14;
attorney [8] -        46:18                 causing [1] -          coconspirators        42:24                 40:24; 41:8
 5:16; 13:21;        Booker [3] -            34:19                  [3] - 35:24;        confirmed [1] -       convict [1] -
 15:9; 16:2, 15;      24:12, 16, 20         certain [8] - 2:15;     36:13; 38:14         49:25                 31:15
 28:3; 30:6;         boost [1] - 3:23        18:24; 19:19;         Code [4] - 6:9;      Congress [1] -        convicted [4] -
 45:11               boosted [3] -           20:12; 23:4;           18:19; 25:16;        30:4                  20:1, 7; 31:11,
Attorney [4] -        2:25; 3:14, 16         30:5, 12               45:3                conjunction [1] -      17
 2:23; 4:12; 16:1;   born [1] - 35:14       certainly [6] -        colleagues [1] -      6:13                 conviction [4] -
 35:4                borrowers [3] -         10:10, 22;             46:9                connection [12] -      19:23; 20:4, 9;
auspices [1] -        6:19; 36:17;           17:25; 18:5;          commerce [2] -        30:14; 36:17;         27:20
 29:10                39:8                   48:6, 11               34:20; 36:1          37:4, 6, 11, 18,     cooperating [1] -
authorized [2] -     Brady [1] - 49:19      certification [1] -    commit [4] -          21; 41:10, 14,        42:24
 7:8; 40:12          brought [2] -           39:9                   18:17; 34:18;        17, 19; 42:14        copies [3] - 42:8,
available [1] -       30:25; 49:16          changes [2] -           44:3; 45:2          consenting [1] -       11
 21:8                burden [3] -            28:10; 45:13          committed [3] -       4:24                 copy [8] - 11:25;
aware [2] - 44:19;    32:25; 33:1           characteristics         4:17, 20; 6:8       consequences           12:3; 14:25;
 49:6                Bureau [1] - 29:17      [1] - 25:19           common [2] -          [3] - 23:25; 24:4;    15:4; 17:19;
balance [1] -        business [9] -         charge [7] - 4:13;      34:15, 18            44:20                 28:7; 42:8
 24:21                6:10; 37:23;           6:3, 7; 12:7, 9,      communication        consider [2] -        Coronavirus [2] -
Baltimore [2] -       39:9, 23, 25;          13; 34:8               s [2] - 34:20;       25:18; 32:24          7:4, 7
 35:15; 42:2          41:4, 6               charged [4] -           36:1                consideration [1]     correct [23] -
Bank [6] - 6:24;     Business [4] -          4:11; 18:14;          community [2] -       - 25:12               3:12; 4:25; 5:9;
 7:17; 11:9;          7:1, 8, 17; 35:19      36:20; 44:25           4:16; 47:2          considered [1] -       6:14; 11:10;
 35:19; 40:23;       business's [1] -       charges [7] -          companies [1] -       25:15                 12:19; 13:2,
 41:8                 41:21                  7:19; 8:5; 15:2,       39:15               consistent [1] -       5-6; 16:19;
bank [6] - 36:12;    business-               5, 9; 30:17;          company [1] -         10:23                 19:14; 21:20;
 39:5, 13; 42:12,     related [1] -          44:20                  37:25               consists [1] -         40:3, 6; 43:7,
 14, 19               39:25                 chart [2] - 38:5, 9    compel [4] - 32:6;    4:15                  10; 46:23;
Bank's [1] - 39:6    businesses [10] -      Chase [1] - 40:24       33:9, 18            conspiracy [10] -      47:11; 48:14
base [1] - 26:8       7:6; 36:5; 37:15,     checks [1] - 42:12     competent [3] -       6:8; 18:17; 22:1;    correctly [2] -
based [2] - 40:20;    18, 21; 38:1, 13,     chief [1] - 46:17       14:22; 44:18, 22     34:11; 37:3, 10,      3:20; 13:8
 41:4                 15, 24; 39:3          choose [1] -           complaint [2] -       19; 41:3, 13;        costs [2] - 36:8;
basic [1] - 34:25    calculation [2] -       32:10                  2:5; 12:25           45:2                  38:23
basis [2] - 35:7;     25:11; 26:8           circumstances          complete [2] -       conspired [2] -       Coulson [2] -
 44:24               cannot [2] - 4:13;      [1] - 25:19            17:2, 6              7:15; 35:17           40:10; 46:20
beachfront [1] -      28:22                 circumvent [1] -       compliance [1] -     Constitution [1] -    counsel [18] -
 37:1                capable [1] -           39:6                   23:3                 32:5                  2:18, 20, 24;
become [1] -          44:18                 citizen [4] - 19:6,    comply [3] -         constitutional [1]     8:5, 9, 11, 13,
 19:16               capacity [3] -          10-11, 16              47:20; 48:18, 21     - 24:22               21, 23-24; 28:3;
began [1] - 32:22     36:6; 38:2, 16        citizens [2] - 4:16;   computers [1] -      constitutionality      31:21; 44:22;
beginning [2] -      cards [1] - 42:11       30:4                   42:18                [2] - 24:14, 16       45:12, 23
 7:12; 35:15         CARES [1] - 7:8        civil [1] - 18:25      conceal [1] -        constructive [1] -    count [6] - 14:25;
behalf [5] - 2:23;   case [41] - 2:3, 12;   civilian [1] - 23:16    39:21                23:14                 31:12; 34:9;
 3:7; 41:6; 44:4;     4:3; 9:4, 15;         civilized [1] -        concerning [4] -     contained [5] -        35:8; 44:10;
 45:15                10:5; 11:14;           47:25                  35:5; 36:7;          38:24; 39:4;          45:4
bench [2] - 42:23     15:1, 5, 12, 16,      clearance [1] -         41:20; 42:24         41:19; 42:10, 13     Count [3] - 12:16,
benefits [1] -        25; 16:23;             48:17                 concerns [1] -       containing [1] -       18; 36:20
 19:21                18:10; 24:12,         Clerk [1] - 33:15       48:1                 39:23                counts [1] - 13:4
best [1] - 48:5       15, 20; 25:5;         CLERK [11] -           concluded [1] -      context [1] -         Court [23] - 8:7;
between [2] -         26:5; 27:24;           11:17, 20, 22,         50:19                24:24                 9:3; 15:24;
 18:4; 29:13          28:1; 29:14;           25; 12:3, 6, 9,       concludes [1] -      contingent [1] -       17:22; 20:25;
beverage [2] -        30:6, 14, 23;          12, 15, 18; 49:9       41:23                48:20                 22:22; 23:4;
 5:12; 14:11          31:4, 12; 32:7;       clerk [1] - 46:22      conditions [8] -     continue [3] -         24:11, 14, 16,
beyond [4] - 31:8;    33:21; 35:9;          clerk's [1] - 16:5      23:4, 6, 20;         47:4, 20; 48:18       20; 25:6, 23;
 33:2, 5; 34:12       40:2; 43:5, 9,        client [3] - 14:22;     47:5, 7-8, 17;      continuing [3] -       33:16; 44:14,
binding [1] -         23; 44:1, 10, 17;      17:3; 19:6             48:21                7:13; 35:15;          16, 21; 45:8;
 24:25                48:6; 49:19;          clothing [1] -         conducted [1] -       48:21                 46:1, 3, 18; 47:4




                     Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                     Document 114               Filed 08/26/25             Page 54 of 60
                                                                                                                                 54
                                               Guilty Plea 10/18/25
COURT [161] -          50:4                  12:2, 5, 8, 11,      deportation [2] -      13:5                  employees [2] -
 2:3; 3:1, 5, 11,     COVID-19 [1] -         17, 20; 13:12,        19:12, 17            distinct [1] - 24:9     36:8; 38:23
 15, 22, 24; 4:1,      6:17                  17, 23, 25; 14:3,    deposits [1] -        distributed [1] -      end [1] - 27:13
 6, 9; 5:2, 5, 11,    created [2] -          6, 9, 12, 15, 18,     42:19                 40:23                 enforcement [2] -
 15, 19; 6:7, 16,      36:10; 39:22          20; 15:3, 7, 10,     deprived [1] -        District [4] - 4:12;    42:6
 23; 7:22; 8:4,       credit [4] - 23:8,     13, 17, 20, 23;       18:24                 7:14; 35:16;          engage [1] -
 15, 17, 20; 9:8,      21; 29:14             16:10, 13, 17,       derived [1] - 37:7     46:18                  35:18
 11; 10:10, 17,       crime [5] - 4:14;      20, 25; 17:8, 24;    describe [1] -        Diva [1] - 39:18       engaged [2] -
 22; 11:7, 12;         18:13; 20:1, 7;       18:8, 11, 15, 21;     40:25                documentation           34:10; 38:13
 12:21; 13:4, 7,       44:3                  19:1, 5, 25;         described [1] -        [1] - 39:8            English [1] - 14:5
 10, 13, 18, 24;      crimes [1] - 37:15     20:5, 10; 21:6;       34:5                 documents [1] -        entered [1] -
 14:1, 4, 7, 10,      criminal [9] - 2:4;    22:3, 8, 17, 21;     designated [1] -       42:14                  49:10
 13, 16, 19, 21,       9:25; 24:9; 27:1;     23:1, 10, 18, 23;     48:12                done [1] - 15:22       entering [2] -
 25; 15:4, 8, 11,      32:13; 33:1, 3;       24:6; 25:4; 26:1,    Desiree [1] - 47:7    doubt [4] - 31:8;       34:3; 44:19
 14, 18, 21, 24;       44:17                 6, 21, 24; 27:6,     desires [1] - 46:2     33:2, 5; 34:13        enterprise [1] -
 16:11, 14, 18,       Criminal [19] -        15, 22; 28:5, 13,    desk [1] - 16:5       down [3] - 2:15;        34:24
 21; 17:1, 5, 9,       2:7, 9; 3:17;         16, 21; 29:1, 5,     detail [1] - 37:16     16:5; 21:11           entire [1] - 6:4
 15, 17, 25; 18:9,     4:11, 21, 25;         20, 25; 30:10,       determination [1]     downward [1] -         entities [2] -
 12, 16, 22; 19:2,     5:25; 6:4; 9:24;      15, 20, 24; 31:5,     - 4:14                26:17                  39:16; 42:9
 6, 9, 12, 15;         10:2; 11:13;          9, 14, 19, 24;       determine [3] -       driver's [1] -         entity [2] - 38:6;
 20:1, 6, 11, 18,      15:1, 4; 31:12;       32:3, 9, 15, 20;      4:16, 19; 27:24       42:11                  43:9
 21; 21:2, 7, 12,      34:9, 16; 35:8;       33:7, 11, 20;                              drugs [3] - 5:12;      entry [1] - 46:20
                                                                  devise [1] - 34:21
 15, 20, 22; 22:4,     44:10; 45:4           34:1, 7; 35:2;                              14:8, 11
                                                                  devised [1] -                                essential [1] -
 9, 18, 22; 23:2,     cross [3] - 31:23;     43:24; 44:2, 5,                            Dubai [1] - 36:23
                                                                   34:21                                        44:24
 11, 19, 24; 24:3,     32:12                 8, 12; 47:12;
                                                                  Diamond [1] -         Due [1] - 49:3         essentially [11] -
 7; 25:5; 26:2, 7,    Cross [7] - 6:24;      48:15, 23
                                                                   39:18                duly [1] - 11:16        5:24; 7:4, 9-10,
 22, 25; 27:7, 16,     7:17; 11:9;          defendant [43] -
                                                                  different [5] -       during [4] - 5:21;      12, 23; 20:21;
 23; 28:6, 14, 17,     35:18; 39:6;          2:6; 3:7; 9:25;
                                                                   16:21; 22:6;          6:13, 16; 7:3          21:3; 26:8;
 22; 29:2, 6, 21;      40:23; 41:7           11:15; 12:12;
                                                                   28:19; 43:2, 11      e-mail [1] - 42:18      29:13; 49:17
 30:1, 11, 16, 21,    cross-                 20:16, 25; 33:1,
                                                                  difficulties [1] -    early [1] - 29:17      establish [2] -
 25; 31:6, 10, 15,     examination [1]       3; 35:14, 17, 24;
                                                                   47:22                Economic [1] -          21:4; 35:7
 20, 25; 32:4, 10,     - 32:12               36:4, 11-13, 16,
                                                                  disaster [1] - 6:19    7:10                  estimate [1] -
 16, 21; 33:8, 12,    cross-examine          22; 37:7, 13,
                                                                  Disaster [2] -        economic [3] -          28:19
 21; 34:2, 8;          [1] - 31:23
                                             18-19; 38:13;
                                                                   7:11; 35:22           6:19; 7:7; 35:22      evidence [5] -
 35:3; 40:1, 5, 7,    cross-examined         39:1, 6, 13, 16,
                                                                  disbursed [1] -       educational [1] -       15:12; 32:17,
 11, 14; 42:22;        [1] - 32:12
                                             20; 40:19, 22;
                                                                   41:18                 19:22                  19; 40:2; 42:6
 43:1, 11, 17, 22,    currency [1] -         41:1, 9, 16;
                                                                  disbursement [3]      effect [2] - 46:12,    exactly [1] - 28:22
 25; 44:3, 6, 9,       20:17                 42:16, 20, 24;
                                                                   - 37:3, 10;           15                    examination [1] -
 13, 16; 46:25;                              44:18; 45:1;
                      current [3] - 47:4,                          41:13                effectively [1] -       32:12
 47:6, 14, 17;                               46:16; 47:1, 4
                       6, 8                                       discission [1] -       25:2                  examine [1] -
 48:5, 16, 24;                              defendant's [9] -
                      custody [1] - 47:9                           41:24                efficient [1] -         31:23
 49:5, 7, 11, 13,                            37:15; 38:11;
                      Dan [1] - 2:24                              discovery [1] -        49:16                 examined [1] -
 15, 24; 50:3, 7,                            39:11; 41:12;
                      date [3] - 38:7;                             30:6                 effort [1] - 16:22      32:12
 10, 14                                      42:3-5, 7
                       45:18, 20                                  discretion [1] -      Egypt [3] - 36:23,     example [3] -
court [20] - 2:10;                          defendants [2] -
                      days [1] - 29:13                             2:13                  25; 37:2               19:21; 29:7, 14
 4:10; 8:8, 13,                              21:25; 22:24
                      dealing [1] - 5:21                          discuss [2] -         EIDL [13] - 36:4,      examples [1] -
 21, 23; 12:23;                             defense [3] -
                      December [2] -                               16:15; 40:17          18; 37:11, 20;         40:18
 24:8, 11; 40:5,                             31:22; 32:2;
                       45:24                                      discussed [8] -        38:8, 12, 15;         exchange [4] -
 7, 12; 42:23;                               33:10
                      decide [1] - 32:17                           5:5, 16; 15:8,        39:12; 41:17-19;       36:17; 38:16,
 46:22; 47:10;                              definitely [2] -
                      decided [1] -                                11; 26:4; 37:16;      42:9                   18; 39:12
 49:21; 50:14                                26:22; 48:17
                       24:12                                       42:16                EIDLs [1] - 35:22      exclusive [2] -
Court's [1] - 35:7                          defraud [5] - 7:16,
                      decline [1] - 32:1                          discusses [1] -       either [6] - 18:2;      37:25; 39:19
court-appointed                              23; 35:18;
                      DEFENDANT                                    41:2                  25:20; 28:9;          exculpatory [1] -
 [4] - 8:9, 13, 21,                          36:20; 37:19
                       [115] - 3:21, 23,                          discussing [1] -       45:13; 46:2            49:18
 23                                         deletion [2] -
                       25; 5:1, 4, 10,                             10:24                elected [1] - 32:2     execute [4] - 7:15;
courthouse [1] -                             24:17, 21
                       14, 18; 6:22;                              discussion [2] -      elements [4] -          35:23; 42:21
 2:12                                       deliberations [1] -
                       7:21; 8:3, 14,                              38:10; 40:19          34:11, 13, 25;        executed [2] -
courtroom [7] -                              32:23
                       19; 9:7, 10;                               dismiss [1] -          44:25                  41:25; 42:16
 2:13, 16; 20:8;                            Department [1] -
                       10:9, 16, 21;                               12:25                employ [4] - 8:5,      executing [1] -
 31:1; 33:13, 18;                            30:8
                       11:6, 19, 21, 24;                          dismissed [1] -        11, 24                 35:23




                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
       Case 1:23-cr-00344-RDB                       Document 114                Filed 08/26/25             Page 55 of 60
                                                                                                                                      55
                                                  Guilty Plea 10/18/25
Exhibit [5] - 9:15,      9:24; 10:1;            20:13, 21; 21:3;      glad [1] - 35:10        10-12, 14,           identifying [1] -
  22; 16:3; 17:11;       24:14, 22              43:2                  goal [1] - 25:13        21-22; 45:2            42:10
  35:12                federal [18] - 4:10;   form [2] - 4:22;        goals [1] - 25:14     H.D [8] - 35:17;       illness [1] - 14:8
exist [2] - 36:6;        10:6; 19:23;           5:23                  government [1] -        36:11; 38:14,        immediately [1] -
  38:16                  23:8; 24:8, 11,      forms [4] - 8:1;         30:5                   19, 21, 25;            45:9
existed [1] - 38:2       25; 25:7; 26:23;       36:10, 12; 39:2       Government [41]         41:13; 42:20         impeachment [1]
existence [1] -          29:3, 11-12;         forth [9] - 9:3, 20;     - 2:23; 4:13;        Halal [2] - 37:24;       - 32:11
  41:21                  40:3; 41:24;           15:25; 16:23;          9:15, 17, 20-21;       39:17                implemented [1] -
existent [1] -           48:11                  17:2, 6; 41:12;        10:4, 19, 25;        half [8] - 10:7, 13;     6:16
  47:18                federally [2] -          45:4                   11:9; 12:1, 25;        27:4, 11, 18;        important [4] -
expenses [1] -           6:24; 34:22          fortunately [1] -        16:2; 17:3, 7,         28:18, 23; 48:10       13:18; 27:2;
  41:22                fee [2] - 37:13;         19:16                  10, 13; 18:4;        handcuffs [1] -          47:20; 48:8
explain [1] - 29:6       38:20                forward [1] -            20:22, 24; 22:5;       48:19                impose [1] -
explained [1] -        felony [1] - 18:19       24:23                  27:10, 12; 28:3;     handled [2] -            25:13
  12:7                 few [4] - 9:16;        four [1] - 29:10         29:23; 31:7;           47:25; 49:21         imposed [5] -
expose [1] - 26:22       34:3, 14; 35:3       Four [1] - 36:24         32:6, 25; 33:1,      Hanover [1] - 42:1       25:20; 28:18;
extensive [1] -        Fifth [1] - 32:4       frame [1] - 46:9         4, 12, 18; 34:12;    hard [1] - 42:8          33:23
  27:2                 figure [5] - 20:19;    fraud [5] - 6:8;         35:6, 12; 44:4;      harsher [1] - 20:8     imposes [1] -
extent [1] - 19:15       22:24; 43:3, 11        18:18; 34:18;          45:12, 23;           headquartered            25:23
fabricated [2] -       figures [1] - 39:1       42:16; 45:2            46:25; 47:3;           [1] - 6:25           imprisonment [5]
  36:11; 42:13         file [3] - 30:7;       fraudulent [28] -        48:25                hear [2] - 31:22;        - 5:7; 10:13, 19;
face [2] - 19:17;        33:15; 45:25           6:11, 18-19;          Government's [2]        35:10                  22:11, 15
  20:2                 filed [5] - 2:5, 7;      7:25; 35:21;           - 34:13; 49:4        hearing [4] - 4:5,     inability [1] - 8:22
fact [9] - 5:5;          5:23; 13:1;            36:4, 10, 18;         gradually [1] -         18; 8:25; 45:15      Inc [1] - 41:4
  16:18; 18:13;          17:18                  37:5, 17, 20;          2:17                 help [1] - 23:15       incarceration [4]
  26:2; 38:2; 43:8;    files [4] - 42:8, 13     38:12, 18,            graduate [1] -        high [3] - 13:25;        - 10:6, 18; 27:4,
  44:3, 24; 45:19      filing [1] - 7:24        20-21, 25; 39:2,       14:2                   14:1                   18
factor [2] - 20:14;    financial [14] -         5, 12; 40:18,         grand [2] - 4:15;     highly [1] - 8:8       inclined [3] -
  27:3                   6:10, 25; 8:21;        20-21; 41:3, 5,        5:8                  himself [1] -            10:12, 17; 18:1
factors [4] -            18:18; 21:8;           10, 15, 17, 19        greater [1] - 25:14     37:13                include [2] -
  25:12, 15, 18,         26:12; 34:22;        fraudulently [3] -      gross [3] - 26:12;    history [3] -            25:18; 42:23
  22                     35:18; 37:6, 8,        36:23; 37:4;           37:7; 41:21            25:19; 27:1          included [6] -
Facts [7] - 37:16;       23; 39:17; 42:3;       41:14                 grossly [2] -         Holand [1] - 39:19       7:10, 23; 36:6,
  38:6; 40:25;           45:3                 free [1] - 10:14         38:22                hold [1] - 4:6           9; 39:1; 43:15
  41:2, 23; 42:17;     Financial [3] -        Freedom [2] -           Group [3] - 6:11;     holdings [1] - 9:4     including [6] -
  43:20                  6:10; 37:24;           30:3, 8                37:24; 42:1          Honor [50] - 2:22,       7:25; 15:12;
facts [6] - 32:18;       42:1                 freely [1] - 18:13      group [2] - 39:17;      25; 3:8, 13;           36:24; 39:2, 16,
  35:5, 11; 40:17;     fine [3] - 4:1;        front [1] - 4:19         42:3                   5:10; 6:6, 15;         23
  43:23, 25              22:12; 40:11         fully [5] - 3:15, 22;   guess [1] - 2:7         11:11; 13:3, 6;      increase [5] -
factual [1] - 35:7     finish [1] - 23:13       15:8, 18; 44:18       guideline [4] -         14:24; 17:4, 14,       26:9, 12
fairly [1] - 8:4       firearm [1] - 27:21    funded [2] - 38:7;       25:9; 26:7; 27:9,      16; 19:11;           incrimination [1]
false [17] - 6:11,     firearms [1] - 19:4      40:22                  24                     20:15, 20, 24;         - 32:5
  18-19; 7:18,         first [5] - 11:18;     funds [9] - 6:20;       Guidelines [3] -        21:10; 23:23;        independent [2] -
  24-25; 13:16;          20:12; 24:12;          7:9; 36:23; 37:4,      24:15, 22, 24          24:2; 28:16;           35:7; 44:24
  36:4, 6, 9, 14;        25:10; 27:8            11, 14; 38:12;        guidelines [8] -        31:19; 35:2, 11;     indicate [1] -
  37:20; 38:25;        five [10] - 10:7,        41:14, 18              24:17; 25:11;          40:4, 6, 9, 13,        47:23
  39:2, 4; 40:21;        19; 22:11;           furthermore [3] -        26:3, 20               16; 41:23;           indicated [5] -
  41:5                   27:11, 14, 17;         20:11; 31:20;         guilt [3] - 31:8;       43:10, 12, 16,         5:20; 8:10; 9:1;
falsely [2] - 13:14;     28:18, 23;             33:8                   33:2, 5                21; 44:2, 5, 15;       18:1; 39:24
  39:24                  29:16; 48:9          future [1] - 20:7       guilty [37] - 5:21;     47:3, 12-13;         indicates [2] -
far [3] - 13:22        flight [1] - 47:1      gain [1] - 22:13         9:18, 23; 10:10,       49:2, 4, 9, 12,        4:23; 26:25
Fargo [1] - 41:8       following [1] -        Gall [1] - 25:6          14, 22; 11:13;         14, 22; 50:2, 9,     indicted [1] - 5:8
fashion [2] -            39:16                game [1] - 23:14         12:17; 14:22;          17                   indictment [3] -
  47:21, 25            follows [1] - 35:13    gather [3] - 6:3,        15:16; 16:23;        hotels [1] - 36:24       4:22, 24; 5:23
FBI [1] - 2:24         force [1] - 18:9         12; 26:4               18:10, 12-13,        housing [1] -          indigency [1] -
February [7] -         foreign [2] -          general [2] - 7:19;      17, 23; 19:20;         19:21                  8:22
  12:24; 25:23;          34:20; 36:1            28:12                  24:1, 5; 30:7,       hurry [1] - 13:20      individuals [2] -
  39:5, 9; 45:19;      forfeiting [1] -       Giglio [1] - 49:20       17; 33:22; 34:3,     husband's [1] -          25:22; 43:5
  46:13                  20:13                given [3] - 15:19;       9; 35:1, 8;            48:5                 induce [1] - 16:22
Federal [6] - 5:25;    forfeiture [5] -         28:19; 34:5            42:23; 44:6,         identify [1] - 2:20    inflated [2] -




                       Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
       Case 1:23-cr-00344-RDB                     Document 114               Filed 08/26/25            Page 56 of 60
                                                                                                                                56
                                                Guilty Plea 10/18/25
  38:22                  45:6, 17, 22        kickback [6] -          37:10; 39:4          48:25               money [7] - 7:18;
influence [2] -        involved [7] -          36:16; 38:11,       lists [1] - 38:6      matters [1] -         20:16, 25; 21:4,
  5:12; 14:10            7:24; 22:1; 27:9;     17; 40:25; 41:10    Livestock [1] -        20:13                8; 22:5
information [10] -       34:18; 42:19;       kickbacks [4] -         39:19               maximum [3] -        monitored [1] -
  12:1, 4, 6, 16,        43:9; 48:19           36:19, 21;          Loan [1] - 7:11        22:10, 12            23:4
  19; 30:5; 36:7,      involves [1] - 23:3     37:13; 39:11        loan [19] - 6:12,     mean [1] - 40:14     monthly [2] -
  20; 42:10; 49:17     involving [1] -       kind [7] - 5:13;        18, 20; 7:6;        meaning [1] -         36:8; 38:23
Information [17] -       26:11                 14:8, 11, 16;         36:5, 16, 22;        24:24               months [2] - 18:3;
  2:7, 9; 4:11, 22,    IRS [3] - 36:10;        21:16; 22:15;         37:13, 20; 38:6,    means [10] - 7:22;    29:16
  25; 6:4; 11:13;        38:25; 39:2           33:24                 11, 18; 40:18,       10:11; 21:22;       months' [3] -
  15:1, 5; 30:3, 8;    Isabella [1] -        Kitchen [1] - 37:2      20, 22; 41:3, 11;    22:4, 6; 26:14;      10:6, 12, 18
  31:12; 34:9, 16;       47:10               knowing [2] -           43:14                29:6, 14; 34:19;    moreover [1] -
  35:9; 44:10;         issuance [2] -          5:19; 44:23         loans [8] - 7:5;       35:25                41:16
  45:5                   33:9; 40:2          knowingly [2] -         19:22; 35:22;       meant [3] - 23:13,   MR [30] - 2:22;
informed [1] -         issue [1] - 19:13       7:14; 35:24           37:5; 38:8, 15;      15; 39:6             3:4; 6:15; 11:11;
  44:19                issued [1] - 33:16    known [5] - 7:7;        41:15               meat [1] - 37:24      13:3, 6; 17:14;
initial [5] - 2:8;     issues [2] - 19:17;     8:7; 30:2; 49:15,   located [1] - 42:1    Meat [2] - 37:25;     20:15, 20, 24;
  5:24; 6:1; 9:12;       27:9                  19                  location [1] - 38:5    39:17                21:10, 13, 18;
  12:25                it'd [1] - 23:11      L.W [2] - 40:24;      look [1] - 31:1       medication [4] -      35:11; 40:4, 6,
injury [2] - 6:19;     Jackson [9] - 4:4,      41:1                looking [2] - 16:7;    5:12; 14:11, 13,     9, 13, 16; 43:8,
  35:22                  7; 11:4; 28:2,      language [1] -          40:10                17                   12; 47:3; 49:2,
Injury [1] - 7:10        10; 45:7, 10-11,      14:5                lose [3] - 19:2       meet [3] - 4:5;       6, 12, 14, 22;
innocence [1] -          22                  large [1] - 42:10     loss [2] - 22:13;      28:6; 45:10          50:2, 6, 17
  33:4                 January [8] -         last [5] - 2:6;         26:9                meeting [1] - 11:5   MS [24] - 3:8, 13;
innocent [1] -           7:13; 24:13, 23;      11:18; 28:14;       lost [1] - 19:22      members [1] -         4:4, 8; 6:6;
  31:7                   34:10; 35:16;         46:20               low [1] - 27:13        3:16                 12:14; 13:9;
input [1] - 31:2         45:19; 46:3, 6      laundered [1] -       luxury [1] - 36:24    memoranda [2] -       14:24; 17:4, 16;
inquire [1] - 2:18     Jersey [1] - 6:25       39:13               magistrate [6] -       46:4, 10             19:8, 11, 14;
inquired [1] - 8:6     Jessica [4] - 4:4,    law [4] - 29:8;         40:7-9, 11;         memos [2] -           21:21; 24:2;
institution [5] -        7; 28:1; 45:7         30:3; 42:6            46:17, 20            39:23; 46:6          43:21; 44:15;
  6:25; 18:18;         jobs [1] - 19:20      lawyer [1] - 8:8      mail [1] - 42:18      menswear [2] -        46:24; 47:13,
  26:13; 34:23;        joined [1] - 34:24    lawyers [1] - 11:1    main [1] - 6:24        37:25; 39:20         16; 48:4; 50:9,
  35:18                joint [6] -           leader [1] - 26:16    Maldeis [10] -        mental [1] - 14:8     13, 18
institutions [3] -       21:16-18, 25;       least [2] - 37:3;       5:23; 11:14;        mentioned [3] -      multiple [5] -
  37:6, 8; 45:3          22:24; 43:15          43:6                  12:21; 16:4;         22:22; 23:2;         36:24; 37:20;
instructed [1] -       Judge [3] - 40:10;    legitimate [4] -        17:10, 18;           26:3                 38:3, 7; 42:18
  32:22                  46:17, 20             36:6; 38:2, 16;       46:15; 49:7, 15     might [6] - 19:19;   multistep [1] -
instruction [1] -      judge [8] - 2:13;       39:23               manager [1] -          20:7; 22:6;          25:10
  25:7                   4:19; 20:8; 40:7,   lender [2] - 7:2        26:15                28:18; 29:8, 15     must [1] - 22:18
insured [2] - 6:25;      11; 46:17           lenders [3] - 7:17;   mandatory [2] -       million [7] -        name [4] - 3:9, 20;
  34:22                judges [4] -            35:20; 39:7           24:19, 21            21:24; 22:12,        11:18; 13:8
intelligent [1] -        24:25; 25:1, 7      less [2] - 10:18      manner [3] - 7:22;     25; 37:7; 43:12,    names [2] - 33:13;
  5:20                 judgment [5] -        letter [14] - 9:21;     39:21; 48:1          15                   39:14
intending [1] -          20:16; 21:1, 4,       15:25; 16:6,        March [3] - 35:14;    minimum [1] -        narcotic [1] - 14:8
  34:21                  16; 43:2              8-9, 15, 24;          40:22; 41:7          48:12               naturalized [2] -
interest [3] -         Julie [2] - 3:9;        17:2, 6, 20-21;     marked [1] - 16:2     minutes [2] -         19:9, 11
  37:22; 48:6, 18        16:2                  25:17; 26:3;        Maryland [7] -         34:14; 35:4         nature [7] - 7:19;
Internal [2] - 7:25;   July [1] - 46:19        30:13                 4:12; 7:14;         Miranda [1] - 9:5     8:2, 4; 25:19;
  36:10                jurors [5] - 30:19,   level [7] - 26:8,       35:15; 38:4;        misrepresentati       39:21; 44:20;
Internet [1] -           25; 31:11, 15,        10-11, 13-14,         42:20; 49:19         ons [1] - 41:20      49:18
  42:18                  18                    19; 48:17           masking [1] -         missed [1] - 20:18   necessary [2] -
interrupt [1] -        jury [9] - 4:15;      levels [1] - 26:17      2:10                mistrial [1] -        25:14; 49:24
  40:14                  5:8; 15:16;         liability [4] -       masks [1] - 2:11       31:16               need [3] - 17:12;
interstate [4] -         30:14, 18, 22;        21:17, 19, 25       material [1] -        mobile [1] - 42:17    46:9
  34:20; 36:1;           31:3; 32:22         liberal [1] - 48:13     41:20               modifications [1]    needs [1] - 49:18
  38:4; 42:19          Justice [2] - 3:17;   license [1] - 42:11   matter [13] - 3:12;    - 43:19             never [3] - 32:25;
introduced [3] -         30:9                licenses [1] -          4:10, 23; 5:16,     modified [1] -        33:2
  9:15, 21; 17:10      keep [3] - 5:2;         19:19                 22; 6:1; 8:9;        46:19               New [1] - 6:25
Investigation [5] -      19:19, 21           life [1] - 23:17        9:18; 17:18;        moments [2] -        new [1] - 31:16
  11:3; 27:25;         key [1] - 24:10       likewise [2] -          23:11; 43:1;         9:16; 34:4          next [3] - 12:24;




                       Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
       Case 1:23-cr-00344-RDB                      Document 114               Filed 08/26/25            Page 57 of 60
                                                                                                                                   57
                                                 Guilty Plea 10/18/25
 29:10; 38:10          occurred [1] -          2:5; 45:18            46:21                 20-21; 18:2, 22;      11:3; 27:25;
nice [10] - 3:1, 5,     41:24                 otherwise [2] -       past [1] - 20:2        19:20; 20:11;         45:6, 17, 22
 17; 50:3, 7, 10       offense [14] -          19:17; 37:22         Paul [3] - 2:23;       21:23; 22:9, 14;     presentence [2] -
night [1] - 46:11       4:18, 20; 5:6;        outline [1] - 24:11    16:1; 35:4            23:25; 24:4;          28:11, 25
nine [8] - 10:7, 13;    18:16, 19, 23;        outlines [1] - 26:7   Pause [1] - 8:16       25:17; 26:2;         presiding [1] -
 27:4, 11, 17;          22:11; 25:20;         overall [2] - 22:1;   pay [2] - 8:22;        29:21; 30:12,         2:13
 28:18, 23; 48:10       26:8, 11, 19;          43:4                  22:18                 17; 34:3; 35:8,      presumably [1] -
nine-and-a-half-        34:25; 37:9;          own [6] - 4:13;       Paycheck [3] -         13; 42:23;            21:7
 year [3] - 27:11;      44:25                  18:12; 27:21;         6:11; 7:2; 35:21      44:14, 19, 21,       presume [1] -
 28:18, 23             offer [1] - 34:14       31:25; 32:2;         payment [3] -          23; 45:1              25:8
none [1] - 38:1        office [5] - 19:3;      38:13                 38:17; 39:18;        plead [6] - 12:15;    presumed [1] -
normal [1] - 2:17       42:1, 5               owned [1] - 37:21      41:1                  16:23; 18:10;         31:7
normally [2] -         Office [2] - 23:5;     owner [2] - 41:6      payments [7] -         30:17; 44:6, 9       pretenses [1] -
 4:15; 14:13            45:16                 p.m [2] - 2:2;         36:16; 39:13,        pleading [6] -         7:18
note [11] - 2:4;       office's [1] - 21:13    50:19                 20, 22, 24; 41:1      9:23; 18:12, 17;     Pretrial [1] - 47:18
 9:14; 11:8;           officer [1] - 45:25    packing [1] -         payroll [3] - 36:8;    30:7; 34:8; 35:1     previous [1] -
 12:22; 19:18;         Officer [5] - 4:2;      37:24                 38:23; 39:1          Plexiglass [3] -       49:21
 21:23; 28:4, 9;        11:4; 28:1; 45:7;     Page [8] - 16:9,      penalties [1] -        2:14, 17             previously [3] -
 43:1; 45:12, 24        47:8                   12; 38:11;            22:14                point [9] - 17:12,     2:10; 8:10;
noted [6] - 22:9;      officials [1] - 11:9    40:19; 41:2, 12      pending [2] -          15; 21:9; 24:23;      24:18
 24:20; 27:7, 16;      one [24] - 3:16;       Pages [1] - 35:12      47:19; 48:7           25:9; 47:24;         principles [2] -
 41:16, 23              4:6; 5:7; 6:23;       paid [1] - 41:9       people [4] - 22:6;     48:25; 50:1, 8        9:3; 49:19
notes [6] - 9:22;       10:12, 18;            pandemic [3] -         30:18; 33:12, 18     policies [1] - 2:10   prison [11] - 10:6,
 10:24; 17:21;          14:25; 22:4;           6:13, 17; 7:3        percent [4] -         policy [1] - 42:23     14; 23:5, 7-8,
 22:23; 27:8            28:14; 29:9, 18;      panel [1] - 3:17       36:21; 38:18, 20     portion [2] -          13, 21; 26:23;
notice [1] - 11:8       31:12, 15;            paper [1] - 7:24      perhaps [3] -          17:12; 38:19          48:11
notify [1] - 46:3       32:13; 34:9;          paperwork [1] -        7:23; 15:15;         portions [1] - 2:16   Prisons [1] -
noting [1] - 25:7       35:8; 37:8; 43:6;      42:13                 23:20                possess [1] -          29:17
November [1] -          44:10; 45:4;          Paragraph [20] -      period [2] - 23:12;    27:21                privately [3] -
 45:23                  49:9                   9:16, 22; 10:23;      29:16                possibility [2] -      3:11, 18; 50:11
NR1 [1] - 39:19        one-count [6] -         17:21; 20:15,        perjury [1] - 13:15    15:15; 20:3          privilege [1] -
number [3] - 2:4;       14:25; 31:12;          19; 21:22; 22:9,     permit [1] - 48:11    possible [2] -         32:5
 36:7; 44:17            34:9; 35:8;            23; 25:16; 26:2,     permits [2] -          23:25; 24:4          probable [3] -
Number [1] - 9:15       44:10; 45:4            7, 25; 27:8, 16;      19:20; 30:4          potential [2] -        4:14, 17, 19
numbers [2] -          one-third [2] -         29:21; 30:1, 12;     permitted [2] -        19:17; 21:24         Probation [7] -
 38:22; 42:11           29:9, 18               43:3                  27:20; 48:16         PPP [24] - 7:3;        4:2; 11:4; 23:5;
numerous [4] -         open [1] - 37:1        Paragraphs [2] -      persist [1] - 30:17    35:21; 36:5, 9,       28:1; 45:7, 16;
 35:21; 36:4;          operating [1] -         20:12; 21:3          person [2] - 22:4,     13, 18; 37:4, 20;     47:8
 41:16; 42:6            41:22                 Parker [4] - 2:24;     6                     38:7, 12, 15, 24;    probation [3] -
Nutscola [3] -         operation [1] -         3:2; 40:10; 50:4     personal [2] -         39:2, 4, 12;          20:2; 45:25
 40:20; 43:8, 14        39:9                  PARKER [2] - 3:4;      25:18; 42:10          40:18, 20; 41:3,     problem [1] -
oath [2] - 11:14;      opinion [1] - 25:2      50:6                 persons [4] -          10, 15; 42:9, 12;     40:16
 13:11                 opinions [1] -         parole [6] - 20:2;     33:14, 17;            43:14                Procedure [3] -
objections [4] -        24:10                  29:3, 10              34:15, 17            PPP/EIDL [1] -         6:1; 9:24; 10:2
 28:4, 9; 45:13,       opportunity [4] -      part [3] - 32:1;      phones [1] -           37:14                proceed [4] -
 24                     16:14; 28:4, 24;       41:3; 42:17           42:18                predict [1] - 28:22    9:11, 13; 11:13;
obligations [1] -       45:15                 participate [1] -     pictures [1] - 36:2   preliminary [2] -      14:22
 49:6                  opposing [1] -          30:22                pieces [1] - 42:6      4:18; 8:25           proceeding [2] -
obtain [3] - 7:5,       46:3                  participated [1] -    pizza [1] - 39:17     prepare [2] - 28:7;    4:21; 42:23
 18; 35:21             order [10] - 7:5;       7:2                  placed [1] - 12:9      45:22                Proceedings [1] -
obtained [3] -          22:23; 46:5, 8,       particular [3] -      places [1] - 16:16    prepared [11] -        8:16
 36:23; 37:4;           12, 14, 16-17;         4:18; 24:17;         plan [2] - 34:16,      6:11, 18; 11:3;      proceedings [4] -
 41:14                  49:4, 8                49:20                 18                    27:25; 28:2;          11:5; 17:11;
obtaining [2] -        ordered [1] - 43:4     parties [1] - 2:19    plea [46] - 5:21;      35:6; 36:4, 12;       45:9; 50:19
 38:12, 15             ordinarily [1] -       parties' [1] -         9:14, 18, 20;         38:25; 39:5;         Process [1] - 49:3
obviously [3] -         4:12                   35:12                 10:10, 14, 20,        45:7                 process [7] - 4:9;
 14:4; 22:14;          organizer [1] -        party [3] - 17:22;     23; 11:13;           prepares [1] -         23:14; 24:7, 11;
 27:12                  26:16                  18:6; 47:9            12:18; 14:22;         45:11                 25:10; 27:14;
occasions [1] -        original [2] - 16:6    passed [1] - 30:3      15:25; 16:7, 9,      present [1] - 3:10     28:12
 36:24                 originally [2] -       passport [1] -         15, 24; 17:2, 6,     Presentence [5] -     processing [1] -




                       Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                     Document 114               Filed 08/26/25            Page 58 of 60
                                                                                                                                58
                                               Guilty Plea 10/18/25
 39:19                purpose [2] -          25:9; 27:10;         remain [2] -            2:14                 23:3, 25; 24:3;
procure [1] - 6:20     34:23; 35:23          31:8; 33:2, 5;        47:19; 48:7          return [5] - 12:23;    27:20; 29:2;
procured [1] -        purposes [3] -         34:12                rendered [2] -          17:9; 22:19;         31:18; 33:6;
 40:2                  17:11; 39:23, 25     reasons [2] - 5:20     24:18; 25:2            23:7; 25:23          35:1, 14; 38:1,
Productions [1] -     pursuant [4] -        receipt [1] - 39:11   Report [5] - 11:3;    Revenue [2] - 8:1;     17; 39:17; 43:5,
 39:18                 9:19, 23; 25:10;     receipts [2] -         27:25; 45:6, 17,       36:10                18, 22; 44:9, 17;
proffer [1] - 9:19     34:11                 26:12; 37:8           23                   revenue [1] - 36:8     45:6; 46:21;
Program [3] -         put [1] - 32:17       receive [2] - 20:7;   report [8] - 28:2,    revenues [1] -         47:10, 14, 22,
 6:12; 7:3; 35:21     putting [1] - 32:18    38:17                 7, 11, 25; 45:11;      41:21                24; 48:1, 9
program [7] -         qualifying [1] -      received [8] -         46:1; 48:20          review [2] - 28:4,    SARY [2] - 47:16;
 6:16, 21; 7:3-5,      7:5                   11:25; 12:3;         represent [2] -         24                   48:4
 9, 11                questions [2] -        14:25; 15:4;          3:9; 12:12           reviewed [1] -        Sary's [1] - 37:2
promises [1] -         13:14, 19             33:17; 36:16;        representation          9:14                satisfied [9] -
 16:22                quite [2] - 2:6, 14    37:14; 41:7           [2] - 15:19; 35:5    reviewing [1] -        5:15; 12:13;
promotions [1] -      radio [1] - 34:19     receiving [1] -       representations         11:2                 14:21; 15:18;
 40:20                ran [1] - 6:9          36:19                 [3] - 36:14;         rights [10] - 5:8,     17:1, 5; 23:24;
Promotions [1] -      range [14] - 10:1,    recently [1] - 14:7    40:21; 41:5            17; 9:8; 18:25;      24:3; 44:23
 43:9                  25; 11:2; 18:3;      recommend [2] -       represents [1] -        30:2, 12, 14;       SBA [4] - 35:20;
Promotions' [1] -      25:9; 27:11, 13,      27:10, 13             47:1                   33:6; 34:5;          38:5; 39:7
 43:14                 17, 24; 28:18,       recommended [1]       request [2] - 8:6;      48:13               SBA-approved
pronouncing [2] -      23; 29:8, 24          - 47:19               30:8                 RILEY [28] - 2:22;     [2] - 35:20; 39:7

 3:19; 13:8           RDB-23-0344 [2] -     recommends [1] -      require [2] - 5:8;      6:15; 11:11;        scheduled [2] -
proof [1] - 34:13      2:4; 44:18            27:12                 33:12                  13:3, 6; 17:14;      4:5; 45:9
property [1] -        reached [1] - 9:17    record [5] - 2:21;    required [5] -          20:15, 20, 24;      scheme [15] -
 36:25                read [4] - 12:6;       3:9; 11:18;           2:11; 9:1; 33:3;       21:10, 13, 18;       7:16, 22; 34:21;
prosecution [3] -      14:4; 16:14;          17:18; 32:13          46:4                   35:11; 40:4, 6,      35:18, 24;
 4:24; 13:15           45:12                records [3] - 7:25;   requirement [2] -       9, 13, 16; 43:8,     36:20; 37:7, 19;
prospective [1] -     reading [1] - 6:4      8:1; 38:25            39:7                   12; 47:3; 49:2,      38:11, 13;
 39:8                 ready [2] - 9:11;     Recovery [1] -        residence [2] -         6, 12, 14, 22;       41:17; 42:7, 15,
protect [1] - 22:14    11:12                 21:13                 42:3                   50:2, 17             21
protected [1] -       really [2] - 46:7;    refer [1] - 45:16     resident [1] -        Riley [19] - 2:23;    schemes [1] -
 2:16                  48:18                reference [1] -        35:14                  3:1; 6:14; 11:7;     42:16
Protection [4] -      REAMY [22] - 3:8,      21:23                respect [7] - 6:1;      13:2; 16:1;         school [5] -
 6:12; 7:2; 35:21;     13; 4:4, 8; 6:6;     referenced [1] -       7:9; 9:18; 24:8;       17:13; 20:14;        13:22, 24-25;
 49:3                  12:14; 13:9;          25:16                 37:17; 39:11;          21:9; 28:7; 35:4,    14:1
prove [6] - 31:8;      14:24; 17:4, 16;     reflected [1] -        47:8                   10; 40:1; 42:22;    sealed [2] - 17:12,
 33:2, 4-5;            19:8, 11, 14;         38:8                 respected [1] -         44:4; 46:7; 47:2;    17
 34:12; 35:6           21:21; 24:2;         reflects [1] - 30:2    8:8                    49:1, 25            search [5] - 40:3,
provide [1] - 7:9      43:21; 44:15;        reflux [2] - 14:18    responses [1] -       risk [1] - 47:1        8, 12; 41:24
provided [6] -         46:24; 47:13;        regard [4] - 5:17;     31:2                 River [7] - 6:24;     Seasons [1] -
 12:1; 22:10;          50:9, 13, 18          9:9; 33:6; 47:23     responsibility [1]      7:17; 11:9;          36:25
 25:7; 36:11;         Reamy [38] - 3:9,     regular [5] -          - 26:18                35:19; 39:6;        seated [2] - 3:6;
 38:25; 49:18          11; 4:2; 5:16;        14:16; 46:4, 8,      restaurant [1] -        40:23; 41:8          35:3
provides [4] -         6:3; 8:20; 12:12;     12, 14                37:1                 road [1] - 21:11      second [1] - 4:6
 9:24; 20:12;          13:8, 21; 14:21;     related [4] -         restitution [8] -     routinely [1] -       section [1] -
 27:17; 46:5           15:9, 18; 16:2,       39:25; 42:7;          20:19; 21:24;          36:9                 38:10
provisions [1] -       4, 16; 17:1, 9,       43:6                  22:23; 43:3, 13      rule [2] - 9:23;      sections [1] -
 24:21                 15, 19; 19:7;        relates [1] - 43:4    result [8] - 18:24;     49:20                24:17
public [3] - 2:11;     21:20; 23:24;        release [16] -         19:20, 23; 25:2;     Rule [4] - 5:25;      secured [1] - 21:7
 19:3, 21              27:12; 28:8;          22:12; 23:2, 7,       27:19; 36:19;          17:25; 49:4         security [3] - 7:7;
punishment [1] -       30:22; 31:3;          12, 16, 20;           37:8; 40:2           Rules [3] - 5:25;      48:12, 17
 5:6                   33:15; 43:19;         46:16, 21; 47:5,     resulted [4] -          9:24; 10:1          Security [1] -
purchase [1] -         44:13; 45:9, 14;      9, 17, 19; 48:7,      37:3, 10; 38:3;      run [1] - 19:3         42:11
 36:25                 46:7, 23; 47:23;      21                    41:13                S-a-r-y [1] - 11:19   Sedan [1] - 39:18
purported [15] -       48:2; 50:8           released [1] -        retain [1] - 8:18     Sary [43] - 2:4;      see [16] - 3:1, 5;
 6:10; 36:5;          Reamy's [2] - 8:7;     29:17                retained [4] -          3:9, 19, 21-22;      28:7, 14; 31:1,
 37:14, 21,            28:19                relevant [1] -         3:12, 18; 8:10;        4:9; 11:16, 19;      22; 33:17; 50:3,
 23-25; 38:1, 13,     reason [3] - 8:6;      44:20                 50:11                  12:15, 24; 13:7,     7, 10-11, 13
 15, 24; 39:3;         44:13; 46:25         relief [1] - 7:4      retrieve [1] - 16:4     10; 15:1; 16:7;     seek [1] - 30:4
 41:4, 6, 21          reasonable [6] -      Relief [1] - 7:7      retrofitted [1] -       17:5, 20; 19:15;    seized [3] - 20:22;




                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                      Document 114               Filed 08/26/25           Page 59 of 60
                                                                                                                               59
                                                Guilty Plea 10/18/25
 42:6                 shall [3] - 45:22,     started [1] - 2:14      35:5, 13            19-20; 9:7,         themselves [1] -
select [1] - 3:16      24; 46:13             starting [1] - 25:9   summarized [2] -      10-11; 10:9,          2:20
selected [1] -        shell [1] - 39:15      state [4] - 11:17;      44:4; 47:7          16-17, 21-22;       there'd [1] - 33:23
 30:19                shifts [2] - 32:25;     24:9; 29:4, 8        summarizes [1] -      11:6, 12, 17,       thereafter [1] -
selection [2] -        33:3                  statement [4] -         8:4                 19-22, 24-25;         41:9
 30:22; 31:3          shortly [1] - 9:22      9:1, 5; 40:17        summary [2] -         12:2, 5-6, 8-9,     thereto [2] - 16:3,
self [1] - 32:5       show [1] - 8:21        Statement [3] -         43:22, 25           11-12, 15,            8
self-                 side [4] - 18:2;        40:25; 42:17;        supervise [1] -       17-18, 20-21;       third [3] - 29:9,
 incrimination         28:9; 46:2             43:20                  23:15               13:4, 7, 10,          18; 47:9
 [1] - 32:5           sign [1] - 46:12       statements [5] -      supervised [6] -      12-13, 17-18,       third-party [1] -
Senior [1] - 47:7     signals [1] - 36:2      13:16; 36:12;          22:12; 23:2, 7,     23-25; 14:1,          47:9
sent [2] - 23:8, 20   signature [2] -         39:5; 42:12, 14        12, 20              3-4, 6-7, 9-10,     threat [1] - 47:2
sentence [26] -        16:9, 12              States [14] - 2:3;    supervisor [1] -      12-13, 15-16,       threaten [1] - 18:9
 9:25; 10:1-3, 5,     signed [6] -            6:9; 7:25; 18:19;      26:15               18-21, 25; 15:3,    three [4] - 2:7;
 12, 18, 25; 20:8;     16:16, 19;             24:10, 12-13,        support [2] - 39:1,   7-8, 10-11,           25:5; 26:14, 17
 22:10; 23:5, 13;      17:22; 18:6;           15; 25:6, 16;          8                   13-14, 17-18,       three-level [1] -
 25:13, 20, 23;        40:7; 46:14            35:19; 44:17;        supported [1] -       20-21, 23-24;         26:14
 27:3, 10, 13;        signs [1] - 36:2        45:3; 49:20            44:23               16:10, 13-14,       throes [1] - 6:17
 28:17, 23; 29:7,     silly [1] - 47:24      status [2] - 2:18;    Supreme [7] - 9:3;    17-18, 20-21,       Thursday [1] -
 15, 18, 23;          similarly [1] -         8:7                    24:10, 14, 16,      25; 17:1, 5, 8-9,     46:13
 33:23                 25:21                 statute [1] - 22:11     20; 25:6            15, 17, 24-25;      today [6] - 4:10;
sentenced [2] -                              stay [1] - 36:24      surrender [2] -       18:8, 11-12,          10:11; 14:14,
                      situated [1] -
 11:2; 48:9                                  steps [2] - 6:13;       48:11, 19           15-16, 21-22;         23; 28:6; 35:1
                       25:21
Sentencing [3] -                              21:14                surrendered [1] -     19:1, 5-6, 9, 12,
                      situation [1] -                                                                        together [1] -
 24:15, 22                                   stickler [1] - 46:8     46:22               15, 25; 20:1,
                       15:11                                                                                   35:17
sentencing [23] -                            still [7] - 2:12,     sustaining [1] -      5-6, 10-11, 18,
                      six [5] - 27:4;                                                                        token [2] - 10:17;
 12:22; 22:19;                                15-16; 25:1;           44:24               21; 21:2, 6-7,
                       29:7, 15                                                                                20:6
 24:8, 11; 25:8,                              32:17; 44:6;         sworn [1] - 11:16     12, 15, 20, 22;
                      six-year [3] - 29:7,                                                                   total [6] - 26:17,
 14; 42:23; 45:8,                             47:17                                      22:3, 8-9,
                       15                                          system [5] - 29:3,                          19; 38:8; 39:21;
 15, 18, 20;                                                                             17-18, 21-22;
                      Small [4] - 7:1, 8,    Stipulation [4] -       11-12, 18                                 41:9, 12
 46:4-6, 8, 10,                                                                          23:1, 10-11,
                       16; 35:19              37:16; 38:6;         table [2] - 2:24;                         totally [1] - 23:11
 12-14; 47:19;                                                                           18-19, 23-24;
                      small [1] - 38:19       41:2, 23               17:20                                   towards [1] -
 48:7                                                                                    24:3, 6-7; 25:4;
                      Social [1] - 42:11     stop [3] - 8:14;      talent [1] - 38:1                           21:17
separate [3] -                                                                           26:1, 6-7,
                      someone [1] -           9:2; 13:20           tax [3] - 8:1;                            transfers [3] -
 21:16, 18; 23:11                                                                        21-22, 24-25;
                       4:13                  Street [4] - 40:20;     36:10; 42:14                              7:23; 42:19
                                                                                         27:6, 15-16,
September [1] -       son [2] - 48:13         42:2; 43:8, 14       television [1] -                          transmitted [4] -
                                                                                         22-23; 28:5,
 16:1                 sophisticated [1]      structured [1] -        34:19                                     34:19; 35:25;
                                                                                         13-14, 16-17,
serve [3] - 29:9,      - 26:14                39:20                temporary [1] -                             42:21
                                                                                         21-22; 29:1,
 18                   sorry [8] - 5:2;       subject [1] -           46:21                                   transmitting [1] -
                                                                                         5-6, 20-21, 25;
served [2] - 23:9,     8:15; 12:2; 15:3;      32:11                ten [2] - 26:11;                            34:18
                                                                                         30:1, 10-11,
 21                    40:15; 42:4;          submission [3] -        37:5                                    transport [1] -
                                                                                         15-16, 20-21,
servers [1] - 38:5     43:24; 46:17           36:18; 38:3;         terms [11] - 5:16;                          39:19
                                                                                         24-25; 31:5,
Service [2] - 8:1;    sought [1] - 8:12       42:8                   10:11, 23;                              travel [1] - 36:23
                                                                                         9-10, 14-15,
 36:10                sounds [1] - 36:2      submissions [2] -       20:13; 21:3;                            treated [1] - 14:7
                                                                                         19-20, 24-25;
services [4] -        Special [1] - 2:24      40:21; 41:5            26:8; 31:3;                             trial [12] - 15:15;
                                                                                         32:3, 9-10,
 6:10; 37:23;         special [1] - 22:18    submit [3] - 7:6;       33:24; 46:9;                              30:14, 18; 31:6,
                                                                                         15-16, 20-21;
 38:19; 44:22         specific [4] - 9:23,    39:8; 46:5             48:8; 49:5                                17; 32:10, 18;
                                                                                         33:7, 11-12,
Services [1] -         25; 10:3; 40:17       submitted [5] -       testify [6] - 32:1,                         33:21; 34:4, 12;
                                                                                         20-21; 34:1,
 47:18                specifically [9] -      36:13; 37:19;          11, 17, 24;                               35:6
                                                                                         7-8; 35:2; 40:1,
set [10] - 9:3, 20;    6:9; 9:16; 18:17;      40:18; 41:16;          33:10                                   tried [1] - 18:9
                                                                                         5, 7, 11, 14;
 12:24; 15:25;         24:20; 25:6;           42:14                testifying [1] -                          truthfully [1] -
                                                                                         42:22; 43:1, 11,
 16:23; 23:4;          29:22; 30:13;         subpoenas [4] -         32:18                                     13:19
                                                                                         17, 22, 24-25;
 35:11; 41:12;         32:23; 44:9            33:9, 15             THE [287] - 2:3;                          try [2] - 34:15, 17
                                                                                         44:2, 5-6, 8-9,
 45:4                 spell [1] - 11:17      substance [1] -         3:1, 5, 11, 15,                         trying [2] - 2:17;
                                                                                         12-13, 16;
sets [3] - 17:2, 6;   stand [1] - 43:18       12:7                   21-25; 4:1, 6, 9;                         23:14
                                                                                         46:25; 47:6, 12,
 18:3                 standard [1] -         substantiate [1] -      5:1, 4-5, 10-11,                        twice [2] - 3:14;
                                                                                         14, 17; 48:5,
seven [1] - 26:9       49:7                   36:14                  14-15, 18-19;       15-16, 23-24;         22:13
several [6] -         stands [2] - 50:14     sufficient [1] -        6:7, 16, 22-23;     49:5, 7, 9, 11,     two [11] - 2:7;
 21:16-18, 25;        stars [2] - 38:1;       25:13                  7:21; 8:3,          13, 15, 24; 50:3,     24:10, 17;
 22:24; 43:15          39:18                 summarize [2] -         14-15, 17,          7, 10, 14             26:10, 13; 29:9;




                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter
      Case 1:23-cr-00344-RDB                       Document 114     Filed 08/26/25   Page 60 of 60
                                                                                                     60
                                                 Guilty Plea 10/18/25
  34:15, 17;          versus [9] - 2:4;        42:20
  40:17; 46:10         9:5; 24:12, 15;        wish [2] - 12:15;
two-level [3] -        25:6; 43:6;             44:6
  26:10, 13            44:17; 49:19           withdraw [3] -
type [2] - 21:8;      vertical [1] - 39:18     10:14, 20; 18:2
  38:6                victim [1] - 6:24       witness [3] - 32:6
typically [2] -       victims [5] - 6:23;     witnesses [5] -
  38:17, 20            11:8; 26:11;            15:14; 31:22;
U.S [14] - 2:23;       37:6                    33:10; 46:2
  4:2, 12; 11:4;      view [5] - 17:12,       works [1] - 29:11
  16:1; 20:17;         15; 48:25; 50:1,       worn [1] - 2:11
  28:1; 30:4; 35:4;    8                      write [1] - 14:5
  39:2; 43:6; 45:7,   violate [2] - 23:6,     writings [1] - 36:2
  16; 47:8             19                     written [3] - 15:2,
U.S.C [1] - 36:3      violation [5] - 6:8;     5; 45:6
ultimately [5] -       18:18; 20:3;           wrongfully [1] -
  27:3; 28:11;         36:2; 45:3              6:20
  36:19; 41:18;       Virginia [1] - 38:4     Yazee [1] - 41:4
  48:8                visit [1] - 48:16       year [11] - 5:7;
unable [3] - 8:11,    visiting [1] -           11:22; 12:24;
  24; 19:19            48:13                   27:11; 28:18,
unanimous [2] -       voice [1] - 5:2          23; 29:7, 13, 15
  31:10, 17           voluntarily [2] -       years [18] - 10:7,
under [20] - 5:11,     32:2; 48:19             13, 19; 22:11,
  25; 7:6; 9:2;       voluntary [2] -          15; 24:13; 25:5;
  10:1, 11, 23;        44:23; 48:11            27:4, 14, 17;
  13:11; 14:10;       vote [1] - 19:2          29:9, 16; 48:9
  17:25; 25:15;       voted [2] - 31:15       years' [1] - 27:18
  26:19; 29:8, 10;    waive [5] - 10:24;      yourself [1] -
  30:2, 12; 32:4;      29:23; 30:2, 14         23:16
  49:18, 20           waived [1] - 34:4       § [4] - 6:9; 18:19;
Unit [1] - 21:13      waiver [5] - 4:22;       25:16; 45:4
United [14] - 2:3;     5:20, 23; 30:12;       §§ [1] - 36:3
  6:8; 7:25; 18:19;    33:23
  24:10, 12-13,       waives [1] - 6:4
  15; 25:6, 16;       walk [1] - 16:5
  35:19; 44:17;       Walker [2] - 43:6,
  45:3; 49:20          9
unlawful [2] -        warrant [4] - 40:3,
  34:16, 23            8, 12; 41:24
unless [1] - 32:1     warrants [1] -
up [7] - 5:3; 11:1;    41:25
  16:5; 27:11;        watch [1] - 31:2
  34:5; 36:21;        week [1] - 46:11
  48:10               weeks [2] - 2:7;
upheld [2] -           46:10
  24:14, 16           welcome [1] -
vaccinated [5] -       50:4
  2:25; 3:14, 22,     Wells [1] - 41:8
  24                  whole [1] - 15:11
vaccination [1] -     wife [2] - 47:10;
  2:18                 48:13
valuable [1] -        willfully [4] - 7:15;
  18:25                34:24; 35:25
various [8] - 6:18;   willing [1] - 48:6
  37:14, 21;
                      wire [7] - 6:8;
  38:15, 24;
                       7:23; 18:17;
  39:14; 42:9, 16
                       34:19; 36:1;
verdict [3] -          42:21; 45:2
  31:11, 17; 33:22
                      wires [2] - 38:4;




                      Amanda L. Longmore, RPR, FCRR, Federal Official Court Reporter


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