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Guilty Plea Hearing Transcript — United States v. Ayaz Qureshi
Summary
Transcript of a guilty plea hearing in United States v. Ayaz Qureshi, Criminal No. 22-0330, before the Honorable Richard D. Bennett in Baltimore, Maryland, October 14, 2022. The Court explains the waiver of indictment, and Qureshi confirms the signature on it and says that a language barrier leaves some words unclear. After questioning, the Court finds that Qureshi understands and signs the waiver. The Court then reads the one-count criminal information, which charges wire fraud conspiracy and refers to the Paycheck Protection Program and a business called Yazee Incorporated. Paul Riley appears for the Government and Thomas Maronick, Jr. for the defendant.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Cite this document
“Guilty Plea Hearing Transcript — United States v. Ayaz Qureshi.”
Original at ecf.mdd.uscourts.gov, No. 1:22-cr-00330-JKB, Doc. 18. Archived at Pandemic Darlings, https://pandemicdarlings.com/court-filings/us-v-ayaz-qureshi/2023-06-27-transcript-dkt-18/
, SHA-256 1b25125fd2e8132193b2190668280a595d128541ace8ffa8f05da5231a908877.Full text
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Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 1 of 88
1 IN THE UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF MARYLAND
2 NORTHERN DIVISION
3
UNITED STATES OF AMERICA )
4 Plaintiff, )
)
5 v. )Criminal No. 22-0330-RDB
)
6 AYAZ QURESHI )
Defendant. )
7 _______________________________)
Baltimore, Maryland
8 October 14, 2022
2:55 p.m.
9
10 THE ABOVE-ENTITLED MATTER CAME ON FOR
GUILTY PLEA
11 BEFORE THE HONORABLE RICHARD D. BENNETT
12
13 APPEARANCES
14 On Behalf of the Plaintiff:
15 PAUL RILEY, ESQUIRE
16 On Behalf of the Defendant:
17 THOMAS MARONICK, JR., ESQUIRE
18 Also Present:
DANIELLE SANGER, PROBATION AND PRETRIAL SERVICES
19
20
21
22 (Computer-aided transcription of stenotype notes)
23 Reported by:
Ronda J. Thomas, RMR, CRR
24 Federal Official Reporter
101 W. Lombard Street, 4th Floor
25 Baltimore, Maryland 21201
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 (2:55 p.m.)
2 THE COURT: Good afternoon, everyone. This is calling
3 the case of United States v. Ayaz Qureshi, Criminal No.
4 RDB-22-0330.
5 The Defendant is being charged by way of a one-count
6 criminal information. We've had a little bit of a delay here
7 in getting some of these materials together, but we have a
8 waiver of indictment in this matter. We will be proceeding
9 accordingly this afternoon apparently.
10 Let me know just note that the standing orders of this
11 court have previously required that masks be worn in all public
12 areas of the courthouse but that has been revised recently so
13 that the wearing of masks is optional for all persons in
14 general public areas of the courthouse. And with respect to
15 the courtrooms, masks shall be worn at the discretion of the
16 presiding judge.
17 I have been fully vaccinated and boosted and tested
18 negative within the last month, and I am behind a wall of
19 plexiglass so I am not wearing a mask. I will inquire of the
20 vaccination status of counsel and of the Defendant before me.
21 If you've been fully vaccinated, you can pull your mask down
22 while speaking. You don't have to but you're permitted to do
23 so.
24 So with that, if counsel would identify themselves for the
25 record, please.
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 MR. RILEY: Yes, good afternoon, Your Honor.
2 Assistant U.S. Attorney Paul Riley on behalf of the Government.
3 I removed my mask, Your Honor, I'm vaccinated and boosted.
4 THE COURT: Yes, Mr. Riley. Nice to see you.
5 MR. RILEY: Good to see you.
6 THE COURT: I'm looking here, you're not listed on the
7 sheet here. I apologize. I'm sorry. Who else is --
8 MS. SANGER: That's okay. Judge Bennett, I'm Danielle
9 Sanger with the United States Probation Office.
10 THE COURT: Yes, I'm sorry, Ms. Sanger. Nice to see
11 you. You're over here to the left as opposed to -- thank you
12 very much.
13 MS. SANGER: I also have been fully vaccinated and
14 boosted.
15 THE COURT: You are the pretrial services officer, not
16 the probation officer assigned to this case?
17 MS. SANGER: I'm both, Judge.
18 THE COURT: You're both. All right. That's fine.
19 I'll make that note, Ms. Sanger, as well.
20 On behalf of the Defendant.
21 MR. MARONICK: Yes. Good afternoon, Your Honor.
22 Thomas Maronick, Jr. May it please the Court. Very nice to
23 see you again.
24 THE COURT: Yes. Nice to see you.
25 MR. MARONICK: I also am vaccinated and boosted.
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 THE COURT: Maronick, am I pronouncing --
2 MR. MARONICK: Maronick, yes, Your Honor.
3 THE COURT: Maronick, nice to see you. I haven't seen
4 you since pretrial.
5 MR. MARONICK: We don't have a jury trial this time,
6 Your Honor.
7 THE COURT: Nice to see you here, nice to have you
8 here. Are you privately retained?
9 MR. MARONICK: Yes, I am.
10 THE COURT: It's nice to have you, as always,
11 Mr. Maronick, I do recall, and it has been awhile. And it's
12 always nice to see you.
13 You have been fully vaccinated --
14 MR. MARONICK: And boosted.
15 THE COURT: And boosted.
16 Am I pronouncing your client's name correctly?
17 Mr. Qureshi.
18 MR. MARONICK: That is correct, Your Honor.
19 THE COURT: Mr. Qureshi, have you been fully
20 vaccinated, sir?
21 THE DEFENDANT: Yes, Your Honor.
22 THE COURT: Then you may pull your mask down while
23 speaking. Again, you don't have to. And welcome to you, sir.
24 So with that, I would note that the first step here is is
25 that we are proceeding by way of criminal information that was
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 filed back on September the 19th.
2 And the first step here is that, Mr. Qureshi -- hold on
3 one second here.
4 Mr. Qureshi, the Government itself can ordinarily not just
5 charge an individual with a crime without a determination of
6 probable cause. Ordinarily, that determination of probable
7 cause is made by way of an indictment with the grand jury,
8 which consists of some 23 citizens drawn from the community,
9 determining whether or not there's probable cause to believe an
10 individual committed an offense, or it may be by way of a
11 preliminary hearing under Rule 5 of the Federal Rules of
12 Criminal Procedure by the court.
13 But here there is -- I have before me a waiver of
14 indictment pursuant to which the waiver of indictment, Paper
15 Number 3 that was filed on October the 13th --
16 MR. MARONICK: Court's indulgence, Your Honor.
17 Mr. Qureshi needs to turn his phone off and I don't want it to
18 be a distraction to Your Honor.
19 THE COURT: Yes, sure.
20 MR. MARONICK: You need to turn that off, sir,
21 completely off.
22 I apologize, Your Honor.
23 THE COURT: That's okay. That's all right.
24 THE DEFENDANT: Sorry, sir.
25 MR. MARONICK: I think it's off now.
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1 THE DEFENDANT: It's not off actually. I don't know.
2 MR. MARONICK: Hopefully --
3 THE COURT: Are we ready to proceed now?
4 MR. MARONICK: Ready.
5 THE COURT: The waiver of indictment form indicates
6 that you understand that you've been accused of one or more
7 offenses punishable by imprisonment for more than one year, and
8 that you've been advised in open court of your rights and the
9 nature of the proposed charges against you. And after
10 receiving this advice, you waive your right to prosecution by
11 indictment and consent to prosecution by information; is that
12 correct?
13 Sir, you have to look at me. I'm asking you questions.
14 If you don't understand that question, it concerns me, okay.
15 It's a very simple question, sir. Very simple question.
16 You have a right to have a probable cause determination.
17 I have a document here that says waiver of indictment. You
18 have your signature on it. And I'm trying to confirm with you,
19 you don't have to look to your lawyer to ask what the answer is
20 going to be. If you have to look to your lawyer to ask what
21 the answer is going to be, that's going to concern me, okay?
22 Do you understand?
23 THE DEFENDANT: Actually, it's a language barrier.
24 THE COURT: You have to pull your mask down while
25 speaking, sir.
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 THE DEFENDANT: Your Honor, it's a language barrier,
2 yes. And I understand slow.
3 THE COURT: Then I'm a quick talking person. I'll
4 slow down. You understand I'm not going to accept your guilty
5 plea here today if I don't think you understand what's
6 happening.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: You have to speak clearly for the court
10 reporter who has to keep up with my quick pace as well as your
11 answers, so I strongly suggest that you keep your mask down if
12 you would, please, so she can understand you.
13 This is not complicated.
14 Normally criminal cases are presented to a grand jury. Do
15 you understand that, sir?
16 THE DEFENDANT: Yes.
17 THE COURT: And the grand jury determines probable
18 cause whether or not to believe that a person has committed an
19 offense.
20 Do you understand that?
21 THE DEFENDANT: The grand jury, sir, Your Honor?
22 THE COURT: What is your client's ability with
23 English, Mr. Maronick?
24 MR. MARONICK: Your Honor, if I may address that, he
25 has met with me and Mr. Patrick Smith beforehand. He's
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1 answered all of my questions. To my knowledge, he's answered
2 all of Mr. Smith's. I've asked him and gone through line by
3 line all of the paperwork that is referenced therein. He said
4 he understood everything. He said he speaks English --
5 THE COURT: Is your client an American citizen?
6 MR. MARONICK: He is an American citizen, Your Honor.
7 He's not originally from the country.
8 THE COURT: If he's an American citizen then he's been
9 tested for English.
10 MR. MARONICK: That's correct.
11 THE COURT: Presumably, the immigration people in this
12 country still require that you have to speak English to become
13 an American citizen. He is a naturalized American citizen.
14 THE DEFENDANT: Yes, Your Honor. I can speak but, you
15 know, my understanding is, like, some words I miss that. So I
16 need to understand 100 percent. You know, I'm nervous and
17 confused.
18 THE COURT: We'll see how far we get with this
19 proceeding here today.
20 THE DEFENDANT: Yes, Your Honor.
21 MR. MARONICK: Yes, Your Honor.
22 THE COURT: We're still on the matter of the waiver of
23 the indictment. It's a two-line document. And I just read the
24 document to you. This says that you waived being charged by a
25 grand jury and that you agree to proceed by way of a criminal
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1 information that has been filed, okay?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: Do you understand that, sir?
4 THE DEFENDANT: Yes, Your Honor.
5 THE COURT: And I think we better be careful with
6 this. I'd like for the clerk to take down to the trial table
7 this document for him to verify that it's his signature.
8 Looking at that waiver of indictment, is that your
9 signature there, sir?
10 THE DEFENDANT: Yes, Your Honor.
11 THE COURT: All right. Thank you.
12 Thank you, Ms. Davis.
13 All right. I'm making a finding that I believe -- he's a
14 naturalized American citizen, which he could not be if he
15 doesn't understand English. I'm satisfied that the
16 representation has been that his lawyer has explained to him in
17 English the charges. And I'm satisfied that he understands
18 what I've just said to him. So I've signed this document and
19 now there's been a waiver of indictment in the case.
20 Ms. Davis, if you'll file that, please.
21 There being a waiver of indictment, we're now proceeding
22 with respect to the one-count criminal information. And it's
23 clear to me that I'm going to have to read most of this to him.
24 It's a one-count criminal information charging you with wire
25 fraud conspiracy.
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 It's charging you with a crime, do you understand, sir?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: Do you understand that you are in criminal
4 court here in the federal court? Do you understand that?
5 THE DEFENDANT: Yes, Your Honor.
6 THE COURT: And it charges the following: That the
7 United States Attorney for the District of Maryland charges
8 that at all times material to this information that the
9 Defendant Ayaz Qureshi was a resident of Severna Park,
10 Maryland, and that on or about February 27, 2013, Mr. Qureshi
11 incorporated a business with the state of Maryland called Yazee
12 Incorporated, and Mr. Qureshi was the president of Yazee
13 Incorporated. And Yazee Incorporated maintained an account at
14 Wells Fargo Bank, a financial institution insured by the
15 Federal Deposit Insurance Corporation, and doing business
16 throughout the United States, with an account number ending in
17 9954. And Mr. Qureshi and his wife, S.N., were sole
18 signatories on the account.
19 Is his wife in court with him here today, Mr. Maronick?
20 MR. MARONICK: I do not see her, Your Honor.
21 THE COURT: I beg your pardon?
22 MR. MARONICK: I do not believe she is.
23 Then, Bank 1 was a federally-insured financial institution
24 headquartered in Fort Lee, New Jersey.
25 Bank number one was an approved United States Small
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 Business Administration lender and participated as a lender in
2 the Paycheck Protection Program known as the PPP program.
3 Conspirator A.S., who is not named here in the
4 information, was a resident of Baltimore, Maryland, who ran a
5 purported financial services business. Payroll Processor 1 is
6 a payroll processing and technology company headquartered in
7 Oklahoma City, Oklahoma, doing business throughout the United
8 States.
9 Then these next portions relate to the Small Business
10 Administration.
11 Do you understand what I've said thus far, sir?
12 THE DEFENDANT: Yes, Your Honor.
13 THE COURT: And have you ever read this entire
14 criminal information?
15 THE DEFENDANT: (No audible response.)
16 THE COURT: Has this criminal information ever been
17 read to you?
18 THE DEFENDANT: No.
19 THE COURT: No, it has not. Okay.
20 MR. MARONICK: Your Honor, I believe, if I may
21 interject, prior to working with me the criminal information,
22 as I understand it, was indeed provided to him by prior
23 counsel. He went through it is my understanding.
24 THE COURT: Okay. Well, we're going to have to do it
25 step by step here now. This document was filed on September
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 the 19th.
2 The Paycheck Protection Program is then summarized here.
3 And, "The Small Business Administration is an executive branch
4 agency of the United States Government that provides support to
5 entrepreneurs and small businesses. The mission of the Small
6 Business Administration is to maintain and strengthen the
7 nation's economy by supporting the establishment and viability
8 of small businesses and by assisting in the economic recovery
9 of communities after disasters."
10 "The Coronovirus Aid Relief and Economic Security Act,
11 known as the CARES Act, was a federal law enacted in and around
12 March 2020, designed to provide emergency financial assistance
13 to Americans suffering from the economic effects caused by the
14 COVID-19 pandemic."
15 "Two sources of relief provided by the CARES Act were the
16 authorization of forgivable loans to small businesses for job
17 retention and certain other expenses through a program referred
18 to as the Paycheck Protection Program, and the expansion of the
19 Disaster Loan Program to include pandemic-related economic
20 injury through COVID-19 economic injury disaster loans."
21 Do you understand what I've just read to you there, sir?
22 THE DEFENDANT: Yes, Your Honor.
23 Can I say something --
24 MR. MARONICK: Say it to me, first. Court's
25 indulgence.
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
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1 (Counsel conferring.)
2 THE COURT: Is there something you didn't understand
3 about that just then, sir?
4 THE DEFENDANT: Yes.
5 THE COURT: You're accused of committing fraud in
6 connection with the PPP program in the face of COVID-19.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: Is there anything I just read to you that
10 you don't understand?
11 THE DEFENDANT: No, I understand all you read.
12 THE COURT: I'm going to read Paragraph 9 to you.
13 "To obtain a PPP loan, a qualifying business had to submit
14 a PPP loan application signed by an authorized representative
15 of the business."
16 That would obviously be you, sir, it's a company you own
17 of which you're the president. Do you understand that?
18 THE DEFENDANT: Yes, Your Honor.
19 THE COURT: "The PPP loan application required the
20 business, through its authorized representative, to acknowledge
21 the program rules and make affirmative certifications to be
22 eligible for the PPP loan. For example, in the PPP loan
23 application, that's Small Business Administration Form 2483,
24 the business, through its authorized representative, had to
25 state its average monthly payroll expenses and number of
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1 employees. In addition, as part of the PPP loan application
2 process, businesses had to provide documentation showing their
3 payroll expenses. These figures were used to calculate the
4 amount of money the small business was eligible to receive
5 under the Payment Protection Plan."
6 Do you understand that, sir?
7 THE DEFENDANT: Yes, Your Honor.
8 THE COURT: There's a difference between employing one
9 person and employing 50, for example, Mr. Qureshi. Do you
10 understand that?
11 THE DEFENDANT: Yes, Your Honor.
12 THE COURT: Now, the next paragraph, Paragraph 10
13 reads as follows: "Once a qualifying business completed a PPP
14 application, a participating lender or agent, on behalf of the
15 participating lender, processed the application. If a PPP loan
16 application was approved, the participating lender funded the
17 PPP loan using its own monies, which the SBA guaranteed. In
18 the course of processing the PPP loan, the lender transmitted
19 data from the loan application to the SBA, the Small Business
20 Administration, including information about the borrower, the
21 total amount of the loan, and the identifying number of
22 employees. Proceeds from a PPP loan were legally required to
23 be used only for certain permissible business expenses."
24 I'm going to repeat this again, sir.
25 "Proceeds from a PPP loan were legally required to be used
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1 only for certain permissible business expenses."
2 Is there anything I've just read that you don't
3 understand?
4 THE DEFENDANT: I understand, Your Honor.
5 THE COURT: "Including payroll cost, mortgage
6 interest, rent, and utilities under the applicable PPP rules
7 and guidance. The interest and principal on the PPP loan was
8 eligible for forgiveness if the business spent the loan
9 proceeds on permissible items within a designated period of
10 time and used a certain portion of the loan toward payroll
11 expenses."
12 "It is further charged that on or about March 14, 2021,
13 that A.S., another individual named here, submitted or assisted
14 with the submission of a PPP loan application to Bank 1 for
15 Yazee, Inc., with the knowledge and consent of Qureshi," that's
16 you, Mr. Qureshi.
17 Do you understand that?
18 THE DEFENDANT: Yes, Your Honor.
19 THE COURT: "And prior to submission of that
20 application, Qureshi provided A.S. with certain documents to be
21 included with the PPP loan application, including photographs
22 of his Maryland driver's license, a voided check from the 9954
23 account, and a bank statement dated February 29, 2020, for the
24 9954 account."
25 "The PPP loan application for Yazee, Inc. reported that
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1 Yazee had 16 employees and an average monthly payroll of
2 $100,289."
3 "On or about March 21, 2021, the PPP loan application was
4 manually or electronically signed with Qureshi's name as the
5 owner of Yazee, Inc."
6 "In addition, the PPP loan application contained the
7 initials of Qureshi to certify each of the following
8 representation:
9 First, that Yazee was in operation on February 15, 2020,
10 and had employees for whom it paid salaries and payroll taxes
11 or paid independent contractors as reported on forms 1099.
12 Second, the funds were to be used to retain workers and
13 maintain payroll or make mortgage payments, lease payments, and
14 utility payments.
15 And third, the information provided in the application and
16 the information provided in all supporting documents and forms
17 is true and accurate in all material respects."
18 Mr. Qureshi, just so you understand, there's information
19 that had to be provided, the information had to be truthful.
20 Do you understand? If the information was not truthful, it
21 amounts to a violation of law.
22 Do you understand that?
23 Do you want to stop and talk to your lawyer a minute?
24 THE DEFENDANT: Yes.
25 MR. MARONICK: Court's indulgence, please.
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1 (Counsel conferring with client.)
2 MR. MARONICK: Your Honor, if I can just fill in, he
3 was referencing to me the actions of the person who A.S. is
4 named in the information, and I informed him it's a separate
5 matter, separate prosecution. And the acts of A.S. are not --
6 while related, are not part of this specific information
7 against him.
8 THE COURT: I'm just concerned if he understands what
9 the charges are here?
10 MR. MARONICK: I believe he does, Your Honor, but
11 obviously that's up to this Honorable Court --
12 THE COURT: I mean, we can't just keep stopping every
13 paragraph because he has a question about it. I don't know how
14 we're going to get to a statement of facts with respect to an
15 admission of guilt when he doesn't understand the document.
16 MR. MARONICK: Mr. Qureshi, do you understand?
17 THE DEFENDANT: Yes.
18 THE COURT: I really think, Mr. Maronick, I don't know
19 how much further we're going to go with this. I mean, we're
20 still trying to have him understand -- I am not comfortable the
21 man understands what the charges are. I've been stopped now, I
22 think, at least twice, if not three times, for him to stop and
23 ask questions of you with respect to what the charges are.
24 It's not complicated.
25 Sir, this document charges you with lying on documents and
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1 improperly receiving money under the PPP program with respect
2 to the response under the CARES Act to the COVID-19 pandemic.
3 Is that not a fair summary, Mr. Riley, what the case is
4 about?
5 MR. RILEY: It's generally fair, Your Honor.
6 THE COURT: Mr. Maronick, is that not a fair summary?
7 MR. MARONICK: Absolutely, Your Honor.
8 THE COURT: And if he doesn't understand that then I
9 don't know how we can continue to go along.
10 THE DEFENDANT: Yes, Your Honor.
11 THE COURT: Well then I don't understand why we're
12 stopping after every paragraph. We're continuing to stop
13 through this, Mr. Qureshi. You have a right to have a trial.
14 You have a -- there's a presumption of innocence. I'm not
15 presuming anything.
16 I'm trying to proceed with what has been represented to me
17 to be an acknowledgement of wrongdoing and a guilty plea. And
18 if I'm not comfortable that you understand it, I'm not going to
19 accept the guilty plea and we're going to terminate these
20 proceedings.
21 Do you understand that, sir?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: And I will have to make a determination.
24 I'm not trying to lean on you. I can't continue in this
25 fashion with these kinds of stopping and starting. I'm really
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1 increasingly uncomfortable with this.
2 Do you understand that?
3 THE DEFENDANT: Yes, Your Honor.
4 MR. MARONICK: Your Honor, one more thing. I have
5 informed Mr. Qureshi that at the sentencing phase, which is not
6 today, he understands, I believe, that case, he'll have a
7 chance to present the mitigation and talk more specifically
8 about what he wants the Court to hear. And then he'll have a
9 chance if he wants to make a statement on elocution to do so at
10 that time. He's asked me about doing so today. I've informed
11 him this is not the phase to do it.
12 If there is some stopping or hesitation on him, it's not,
13 I don't think, any lack of acknowledgment. It's just he wants
14 a chance to make a statement of elocution. I informed him very
15 clearly that will happen at the sentencing phase.
16 Do you understand all that, sir?
17 THE DEFENDANT: Yes, sir.
18 THE COURT: Mr. Maronick, how long have you been
19 representing him?
20 MR. MARONICK: I got involved in this case from
21 Mr. Smith over the summer. I don't have the exact date in
22 front of me.
23 THE COURT: Because this criminal information was
24 filed on September the 19th. And the waiver of indictment --
25 when was that signed, Ms. Davis? The waiver of indictment that
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1 we just presented here as a document in evidence.
2 THE CLERK: It was signed October 11th.
3 THE COURT: October 11th. Three days ago. So,
4 obviously, there's been some preparation of this Defendant
5 before coming into court.
6 MR. MARONICK: Yes. He met with Mr. Smith beforehand
7 to discuss a plea. He met with me in my office where we went
8 line by line through the statement of facts, which Your Honor
9 has been reading --
10 THE COURT: I'm not reading the statement of facts.
11 I'm just reading the charging documents. I'm not even at the
12 statement of facts.
13 MR. MARONICK: I understand. But all of the
14 information contained therein that I was referencing, Your
15 Honor.
16 THE COURT: We'll continue. We're going to do our
17 best here to continue. I'll have to make a determination how
18 much further we're going to continue with this.
19 MR. MARONICK: Yes, Your Honor.
20 THE COURT: "The PPP loan application for Yazee
21 Incorporated, which is listed as being your business,
22 Mr. Qureshi, included a falsified Internal Revenue Service Form
23 940, which is an employer's annual federal unemployment tax
24 return for 2019 to substantiate the amount of wages paid to
25 purported employees of Yazee, Inc. for the 2019 tax year.
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1 It is charged that the falsified 2019 Form 940 indicated
2 total payments to all employees of $1,203,471.52.
3 Then it is charged in paragraph 18 that, in fact, during
4 the 2019 tax year, Yazee, Inc. paid no wages to any employee.
5 Moreover, the IRS has searched its records for Yazee, Inc.
6 and it has no records of any filed tax records for any part of
7 2019 or 2020 for the business."
8 Do you understand that charge, sir?
9 THE DEFENDANT: Yes, Your Honor.
10 THE COURT: Do you understand that?
11 THE DEFENDANT: Yes, Your Honor.
12 THE COURT: Then further, in Paragraph 20, "As to the
13 PPP loan funding and kickback payments to an individual
14 initialed A.S., based -- it's charged that based on the
15 fraudulent and false representations and submissions made on
16 behalf of Qureshi as the owner of Yazee, Inc., on or about
17 March 22, 2021, the PPP loan funded and approximately $250,723
18 was distributed by Bank 1 to the 9954 account."
19 "For his work on the PPP loan application for Yazee, A.S.
20 expected to receive a kickback payment of approximately
21 30 percent of the funded loan amount when the funded loan
22 amount" -- parens after that -- "is $75,000."
23 That would be approximately 30 percent of the $250,723
24 that was distributed by the bank to you, Mr. Qureshi. That's
25 not stated in the criminal information. The record will
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1 reflect I'm reading this verbatim, but I'm trying to make sure
2 I'm satisfied the man understands what the charge is. That's
3 why I'm trying to explain it as we go along.
4 "For his work on the PPP loan application for Yazee" --
5 I've already indicated there was an expected kickback to an
6 individual named A.S. -- "after the PPP loan funded, Qureshi
7 provided A.S. the following checks signed by Qureshi, which
8 were drawn on the 9954 account, and which reflected payment to
9 A.S. for his work on the PPP loan application for Yazee, Inc."
10 Then there are a series of checks. And these are checks
11 drawn on the Yazee, Inc. account: "Check number 1019, check
12 number 2022, check number 2023, check number 2024, check number
13 2025, check number 2026, check number 2027, check number 2028,"
14 all in different amounts.
15 Mr. Maronick, if we're going to have any chance of doing
16 this this afternoon, I'm not going to take time to read each
17 amount of each check. If he's not capable of understanding
18 that, we have a fundamental problem.
19 MR. MARONICK: Do you understand all this,
20 Mr. Qureshi? You accepted the amounts of the checks?
21 THE DEFENDANT: Yes, yes.
22 THE COURT: It's been represented to me that this
23 criminal information has been reviewed with you and the
24 Defendant has indicated to the contrary here in court today.
25 "At the time that Qureshi provided A.S. checks referenced
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1 in Paragraph 22 above, Qureshi left the payee name on each
2 check blank. Thereafter, A.S., and others known and unknown to
3 the United States Attorney, wrote a payee name on each of the
4 checks and each check was ultimately deposited and each was
5 drawn on the 9954 account."
6 Then it is alleged that "on or about June 22, 2021,
7 Qureshi signed an agreement with Payroll Processor 1, pursuant
8 to which Payroll Processor 1 agreed to provide payroll
9 processing services for Yazee, Inc., and its purported
10 employees. The agreement authorized Payroll Processor 1 to
11 make withdrawals from the 9954 account for the purpose of
12 making payments to purported employees of Yazee, Inc. Each of
13 these individuals had been identified by Qureshi as employees
14 of Yazee, Inc., but, in fact, were not employees" -- in fact
15 were not employed by the business.
16 "Beginning on or about July 2, 2021, and continuing
17 through or about December 15, 2021, Payroll Processor 1 made
18 purported payroll payments from the 9954 account via ACH debits
19 to Qureshi, his wife, and other associates that purported to be
20 employees of Yazee Incorporated. In total, $144,647.21 in
21 purported payroll payments were made to Qureshi, his wife, and
22 others associates from the 9954 accounts, all of which
23 consisted of funds traceable to the PPP loan obtained by
24 Qureshi and Yazee, his purported business."
25 "Beginning in or around March 2021, and continuing through
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1 in or around December 2021, in the District of Maryland and
2 elsewhere, the Defendant Ayaz Qureshi, knowingly and willfully
3 conspired and agreed with A.S., and others known and unknown to
4 the United States Attorney, to commit any offense under Chapter
5 63 of Title 18 United States Code; namely, to knowingly and
6 willfully execute and attempt to execute a scheme and artifice
7 to defraud a financial institution, namely Bank 1 and to obtain
8 and attempt to obtain money and property of Bank 1 by means of
9 materially false and fraudulent pretenses, representations, and
10 promises, and for the purpose of executing, and attempting to
11 execute, the scheme to defraud, did knowingly and willfully
12 transmit and cause to be transmitted by means of wire
13 communications in interstate and foreign commerce, writings,
14 signs, signals, pictures, and sounds, which was the scheme to
15 defraud in violation of 18 United States Code § 1343."
16 "It was the object of the conspiracy and scheme to defraud
17 for Qureshi to personally enrich himself by fraudulently
18 obtaining a PPP loan in the amount of more than $250,000 for
19 his own personal use and benefit and for the personal benefit
20 and use of his associates in offering and paying kickbacks in
21 return for the submission of fraudulent PPP loan application."
22 "It was part of the conspiracy and scheme to defraud that
23 the Defendant Qureshi, A.S., and others known and unknown to
24 the United States Attorney, conspired to submit false
25 materials, including a false PPP loan application, and a false
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1 2019 IRS Form 940 as to Bank 1 to obtain a PPP loan for Yazee
2 Incorporated."
3 "It was further part of the conspiracy and scheme to
4 defraud that A.S., and others known and unknown to the United
5 States Attorney, fabricated a false IRS Form 940 to be
6 submitted with the PPP loan application for Yazee, Inc. The
7 purpose of the false IRS Form 940 was to circumvent Bank 1's
8 requirement that prospective borrowers submit documentation to
9 support the payroll figures that served as a basis for the PPP
10 loan application. The false IRS Form 940, which had never been
11 filed with the IRS" -- do you understand that charge, sir?
12 THE DEFENDANT: Yes.
13 THE COURT: Is there any confusion about that?
14 THE DEFENDANT: No, sir.
15 THE COURT: You are alleged to have used a false IRS
16 document to fraudulently obtain money. Do you understand that?
17 THE DEFENDANT: Yes, Your Honor.
18 THE COURT: -- "the false IRS Form 940, which had
19 never been filed with the IRS, was submitted in support of the
20 PPP loan application for Yazee, Inc."
21 "It was further part of the conspiracy and scheme to
22 defraud that the fabricated IRS Form 940 reflected that Yazee
23 paid $1,203,471.52 in wages to all employees in 2019. In fact,
24 in 2019 and 2020, Yazee, Inc. did not file any 2009 Form 940
25 with the IRS, pay unemployment tax to the IRS, or withhold
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1 federal income tax for any employee."
2 "It was further part of the conspiracy and scheme to
3 defraud that based on the fraudulent and false representations
4 and submissions made on behalf of Qureshi as the owner of
5 Yazee, Inc., on or about March 22, 2021, the PPP loan funded
6 and approximately $250,723 was distributed by Bank 1 to the
7 9954 account belonging to Yazee, Inc."
8 "It was a further part of the conspiracy and scheme to
9 defraud that Qureshi paid A.S. a 75,000-dollar kickback
10 reflecting approximately 30 percent of the PPP loan amount
11 received by Yazee in exchange for A.S.'s role in submitting the
12 PPP loan application for the purported business."
13 Do you understand that charge, sir?
14 THE DEFENDANT: Yes, Your Honor.
15 THE COURT: You are accused of writing a 75,000-dollar
16 check with these fraudulently-obtained funds to another
17 individual. Is there any confusion about that charge?
18 THE DEFENDANT: No, Your Honor.
19 THE COURT: I beg your pardon?
20 THE DEFENDANT: No, Your Honor.
21 THE COURT: "It was a further part of the conspiracy
22 and scheme to defraud that Qureshi paid A.S. this kickback by
23 providing him a total of eight checks" -- which were referenced
24 above previously but I haven't listed the amount of each of
25 those checks -- "each of which was signed by Qureshi and had a
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1 dollar amount filled in but left the payee blank."
2 "It was further part of the conspiracy and scheme to
3 defraud that A.S., and others known and unknown to the United
4 States Attorney, wrote a payee name on each of the checks, each
5 check was deposited into accounts controlled by A.S., and each
6 was ultimately drawn on the 9954 account."
7 Hold on one second.
8 "It was further part of the conspiracy and scheme to
9 defraud after receiving the PPP loan for Yazee, Inc., Qureshi,
10 with the assistance of A.S., established payroll processing
11 services through Payroll Processor 1 for the purpose of making
12 payments to purported employees of Yazee, Inc., including
13 Qureshi, his wife, and other associates. The purpose of
14 establishing payroll services for Yazee, Inc., after receipt of
15 the PPP loan, was to facilitate the creation of documentation
16 that could be used to substantiate a request for the PPP loan
17 to be forgiven, which it was."
18 "It was further part of the conspiracy and scheme to
19 defraud that Qureshi made no payments to Bank 1 in connection
20 with the PPP loan for Yazee, Inc."
21 "It was a further part of the conspiracy and scheme to
22 defraud that Qureshi, A.S., and others known and unknown to the
23 United States Attorney, utilized interstate wires to submit and
24 assist in the submission and communicate with each other about
25 the submission of a PPP loan application to Bank 1 and to
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1 establish payroll processing services from Payroll Processor 1
2 from Yazee, Inc."
3 Then there are forfeiture allegations. And the forfeiture
4 allegations have to do with your forfeiting certain substitute
5 assets in return for the remuneration for the funds taken.
6 It's pursuant to a specific rule that is listed. It's listed
7 that you shall forfeit to the United States any property
8 constituting or derived from proceeds obtained directly or
9 indirectly as a result of the scheme to defraud.
10 And as to those substitute assets, Mr. Qureshi, if any of
11 the property above, as a result of any act by you, cannot be
12 located, or has been transferred or sold to a third-party, or
13 has been placed beyond the jurisdiction of the court, or has
14 been substantially diminished in value, or has been commingled
15 with other property, the United States shall be entitled to
16 forfeiture of substitute property.
17 What that means is is to the extent that there cannot be a
18 total recovery of the money that you allegedly, fraudulently
19 received from the program that the Government can attach other
20 is assets.
21 Do you understand that?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: Do you understand the charges placed
24 against you, sir?
25 THE DEFENDANT: Yes, Your Honor.
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1 THE COURT: That is the criminal information. The
2 record will reflect that I have literally read that verbatim,
3 almost 10 pages.
4 Is that correct from your point of view, Mr. Maronick?
5 MR. MARONICK: Yes, it is, Your Honor.
6 THE COURT: Now, the next thing we have is a Form 5F,
7 which is required by law with respect to an initial appearance
8 in court, with respect to the fact that presumably the law says
9 that we must remind the Government of its obligations under
10 Brady v. Maryland with respect to information that would be
11 exculpatory to the Defendant and the Due Process Protections
12 Act requires that we ensure that that has taken place.
13 And, Mr. Riley, I gather the Government is prepared to
14 make a representation that any material that would constitute
15 Brady v. Maryland material has been given to defense counsel?
16 MR. RILEY: Yes, Your Honor.
17 THE COURT: Is that both prior defense counsel and the
18 current defense counsel?
19 MR. RILEY: Preindictment discovery was provided to
20 prior defense counsel. Happy to provide it to this counsel
21 again. I don't know if this counsel has gotten those
22 materials --
23 THE COURT: Mr. Maronick, are you satisfied that that
24 kind of material has been provided to you or your predecessor?
25 MR. MARONICK: I am satisfied. Yes, Your Honor.
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1 THE COURT: All right. Madam Clerk, this will be
2 filed as well.
3 Now, with respect to the initial appearance here in this
4 case. The case is being listed as a rearraignment. It's not a
5 rearraignment, it's an arraignment, because the Defendant has
6 not even had an initial appearance yet on this matter.
7 Correct?
8 MR. RILEY: That's my office's, my mistake. I take
9 responsibility --
10 THE COURT: We'll have to take this as well. That's
11 quite all right. We're going to go step by step. If I
12 determine we can't continue we'll just stop. It's late in the
13 day and we haven't even began to take the plea yet.
14 Under Rule 5 of the Federal Rules of Criminal Procedure,
15 Mr. Qureshi, you're entitled to an initial appearance that
16 normally is held before a magistrate judge. And with respect
17 to the initial appearance, it's a time for you to make sure
18 that you understand the nature of the charges, which is
19 obviously necessary because it's clear to me that you didn't
20 when you walked in here today.
21 I've read the entire charge to you verbatim. You've
22 indicated to me that you understand it; is that correct, sir?
23 THE DEFENDANT: Yes, Your Honor.
24 THE COURT: You have not been put under oath yet.
25 You're going to be put under oath in a minute. But I'm
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1 satisfied that you understand it.
2 You have a right to employ counsel or request the
3 assignment of counsel.
4 Mr. Maronick, you are privately retained, correct?
5 MR. MARONICK: That's correct.
6 THE COURT: So you have an attorney of your choice.
7 You have a right to preliminary hearing to which I
8 previously advised you.
9 You have a right to the matter of pretrial release. We
10 don't have any release documents that have been worked up in
11 this case either yet that I've seen. But that's why we have
12 Ms. Sanger here. So we'll eventually get to that in terms of
13 conditions of release. There's no form that I received from
14 pretrial services with respect to this.
15 You're not required to make any statement. If you have
16 made a statement, you need say no more. You have rights under
17 what is a known as Miranda v. Arizona as to self-incrimination.
18 You can cease making any comments you want at any point in
19 time. It is necessary for you to understand that, sir, because
20 under Rule 11 of the Federal Rules of Criminal Procedure, we
21 have a very lengthy process that is obviously going to be more
22 lengthy today to make sure you understand the nature of the
23 charges against you.
24 If I'm not satisfied that you understand it, I will not
25 accept a guilty plea. Do you understand that?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: All right. And understanding that, we've
3 held the initial appearance. It would serve no purpose to have
4 any entry as to the initial appearance because we're now here
5 at the arraignment already.
6 Is there anything further from the point of view of the
7 initial appearance the Government wishes for me to cover?
8 MR. RILEY: No, Your Honor.
9 THE COURT: Mr. Maronick, anything further?
10 MR. MARONICK: Nothing further.
11 THE COURT: Now, proceeding with respect to the
12 arraignment.
13 Having read the criminal information, having proceeded
14 under Rule 5 with respect to the initial appearance, we're now
15 ready to proceed with respect to the taking of the guilty plea
16 in this matter. It's a one-count criminal information charging
17 you with wire fraud conspiracy in violation of 18 United States
18 Code § 1349 and 1343.
19 MR. RILEY: There is someone in the courtroom. I'm
20 not sure who that is.
21 THE COURT: I can't see anybody in the courtroom. Who
22 is the person in the courtroom?
23 MS. SANGER: I'm an intern for Judge Rubin.
24 THE COURT: I'm sorry, when it comes to the future,
25 the clerk should know that. So the clerk should know who is in
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1 the courtroom. I'm sorry. That's fine. It's okay. That's
2 the least of our problems here this afternoon.
3 Let's see if we can try to get through this. Just about
4 every loose end that could be dangling -- we're laughing now.
5 (Laughter.)
6 THE COURT: -- there's not a thing that has gone
7 normal in this matter. We've been going at this for almost an
8 hour so we'll do the best we can do.
9 MR. RILEY: Thank you, Your Honor.
10 THE COURT: Mr. Qureshi, I'm not angry with you. If
11 the trains don't run on time it's my fault. If I don't have a
12 document, it's because I didn't demand to get a document. If
13 the defendant hasn't been properly prepared, it's because I
14 didn't cross the T and dot the I to see that it was done. So
15 it's my fault. All responsibility bears with me up here. If
16 anything is screwed up, it's because of me.
17 Do you understand that?
18 THE DEFENDANT: Yes, Your Honor.
19 THE COURT: So I apologize to you. That's just the
20 way it is. I apologize to you in terms of how this has been
21 handled so far.
22 THE DEFENDANT: Yes, Your Honor.
23 (It is the policy of this court that every guilty
24 plea and sentencing proceeding include a bench conference
25 concerning whether the defendant is or is not cooperating.)
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1 THE COURT: So, with that, we're going to try to do
2 our best to proceed with a guilty plea here.
3 Now, you're going to be placed under oath, sir. And I'm
4 going to make sure that you understand that you're under oath.
5 It means that if you lie to me and state an untruthful
6 statement, apart from this document you're charged with, you
7 can face perjury or false statements to me.
8 Do you understand that?
9 THE DEFENDANT: Yes, Your Honor.
10 THE COURT: You're standing in front of me for the
11 very reason that you're accused of lying. So make sure you
12 understand when you take the oath what it means.
13 Do you understand that, sir?
14 THE DEFENDANT: Yes, Your Honor.
15 THE COURT: And to Judge Rubin's intern, I'll just say
16 that this is hardly the norm for a guilty plea here. I hope
17 you understand that in terms of -- I appreciate your being here
18 to observe.
19 So with that, Ms. Davis, if we will administer the oath to
20 the Defendant.
21 THE CLERK: Please raise your right hand, Mr. Qureshi.
22 (Defendant sworn.)
23 THE CLERK: Please state your name for the record.
24 THE DEFENDANT: My name is Ayaz Qureshi.
25 THE CLERK: Thank you. What is your age?
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1 THE DEFENDANT: I was born in 1969. June 11. So
2 that's 53.
3 THE CLERK: Thank you. Have you read the information
4 or has the substance of the charge been explained to you?
5 MR. MARONICK: What His Honor just read.
6 THE DEFENDANT: Can you repeat that?
7 THE CLERK: Have you read the information or has the
8 substance of the charge been explained to you?
9 THE DEFENDANT: Yes.
10 THE CLERK: Do you understand the charge?
11 THE DEFENDANT: Yes.
12 THE CLERK: Mr. Maronick, are you satisfied that the
13 Defendant understands the charge against him?
14 MR. MARONICK: Yes.
15 THE CLERK: Mr. Qureshi, you have been charged in
16 Count 1 of the information, what is your plea?
17 THE DEFENDANT: Guilty.
18 THE CLERK: Your plea is guilty as to Count 1 of the
19 information; is that correct?
20 THE DEFENDANT: Yes, ma'am.
21 THE CLERK: Thank you.
22 THE COURT: Thank you, Ms. Davis.
23 As I've already said to you, Mr. Qureshi, you understand
24 that you're now under oath.
25 THE DEFENDANT: Yes. Yes, Your Honor.
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1 THE COURT: And do you understand if you answer any of
2 my questions falsely, those answers could later be used against
3 you in another prosecution for perjury or making false
4 statements?
5 THE DEFENDANT: Yes, Your Honor.
6 THE COURT: How far did you get in school, sir?
7 THE DEFENDANT: I actually -- I've been homeschooling
8 and I don't like to go to school so . . .
9 THE COURT: What is your native country of birth?
10 THE DEFENDANT: Pakistan.
11 THE COURT: Pakistan. And when did you come to the
12 United States?
13 THE DEFENDANT: 2000, sir.
14 THE COURT: 2000.
15 THE DEFENDANT: Yes, Your Honor.
16 THE COURT: Did you speak any English when you arrived
17 from Pakistan in 2000?
18 THE DEFENDANT: Yeah, we just --
19 THE COURT: English is a common language in Pakistan,
20 is it not?
21 THE DEFENDANT: Yes. And also watching the TV.
22 THE COURT: When did you obtain naturalized American
23 citizenship?
24 THE DEFENDANT: Back in -- my best memory 2005 or '06,
25 '04, probably. I don't remember exactly.
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1 THE COURT: Can you read and write the English
2 language?
3 THE DEFENDANT: Yes, sir. Yes, Your Honor.
4 THE COURT: Have you been treated recently for any
5 mental illness or addiction to narcotic drugs of any kind?
6 THE DEFENDANT: I have a little depression.
7 THE COURT: All right. Are you currently under the
8 influence of any drugs or medication?
9 THE DEFENDANT: No.
10 THE COURT: With respect to depression, have you taken
11 medication for depression?
12 THE DEFENDANT: The doctor, she write it down for me,
13 but I'm not using that one because I'm feeling okay.
14 THE COURT: I understand. But when is the last time
15 you took medication for depression?
16 THE DEFENDANT: Three or four nights ago when I
17 normally went to sleep. Only that time.
18 THE COURT: When was it, sir?
19 THE DEFENDANT: Three or four days ago when I feel I
20 cannot sleep so, you know.
21 THE COURT: Is the fact -- have you taken any
22 medication in the last 48 hours?
23 THE DEFENDANT: No, no.
24 THE COURT: Mr. Maronick, are you satisfied that your
25 client is competent to proceed with this guilty plea.
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1 MR. MARONICK: Yes, Your Honor.
2 THE COURT: More importantly, are you satisfied that
3 he sufficiently understands English to proceed with this guilty
4 plea?
5 MR. MARONICK: Yes, Your Honor.
6 THE COURT: The one-count criminal information, you
7 have received a copy of it. I recognize that it had not been
8 read to you, but you have received a copy of it, correct?
9 THE DEFENDANT: Yes, Your Honor.
10 THE COURT: That's what I read from earlier in these
11 proceedings.
12 Do you understand that?
13 THE DEFENDANT: Yes, Your Honor.
14 THE COURT: Have you fully discussed these charges
15 with your attorney, Mr. Maronick?
16 THE DEFENDANT: Yes, Your Honor.
17 THE COURT: Have you discussed the whole situation
18 with him, including the evidence in the case?
19 THE DEFENDANT: Yes, Your Honor.
20 THE COURT: Potential witnesses and the possibility of
21 a trial and even an appeal if you were convicted by a jury in
22 this case. Do you understand that?
23 THE DEFENDANT: Yes, Your Honor.
24 THE COURT: Are you fully satisfied with Mr. Maronick
25 and his representation and the advice which he's given you?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: Is there anything which you've asked him
3 to do which he has not done?
4 THE DEFENDANT: He is doing well, sir.
5 THE COURT: I beg your pardon?
6 THE DEFENDANT: He's doing well.
7 THE COURT: Is there anything that you've asked him to
8 do which he has not done?
9 THE DEFENDANT: No, he's --
10 THE COURT: I guess let me ask, has he done everything
11 that you asked him to do?
12 THE DEFENDANT: Yes, Your Honor.
13 THE COURT: Okay. The Court has been advised that
14 there's a plea agreement in this case which has been set forth
15 in a letter of September 14, 2022. And the original of that
16 letter has been marked as Government Exhibit 1. And,
17 Mr. Maronick, if you'll retrieve the original of the letter
18 from the clerk's desk.
19 MR. MARONICK: May I approach?
20 THE COURT: Yes.
21 MR. MARONICK: For the record, I've retrieved the
22 original, Your Honor.
23 THE COURT: Okay. I would note that we absolutely
24 cannot -- cannot read this entire letter to him. And so I'm
25 going to go over the portions of the letter carefully with you,
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1 Mr. Qureshi, but I cannot read this entire letter to you.
2 THE DEFENDANT: Okay. Yes, Your Honor.
3 THE COURT: All right. But -- and with respect to any
4 sealed supplements thereto.
5 If you'll first look, is that your signature there on
6 Page 9, Mr. Qureshi?
7 THE DEFENDANT: Yes, Your Honor.
8 THE COURT: There's not -- it's not indicated on the
9 copy that I have when you signed it. Is it on the original,
10 Mr. Maronick, as to when he signed it?
11 MR. MARONICK: Yes, Your Honor. That would be the
12 16th of September.
13 THE COURT: 16th of the September.
14 MR. MARONICK: Yes.
15 THE COURT: And there is an attachment thereto,
16 attachment A, and they are the statement of facts as to which
17 there's a stipulation that provides the factual predicate for
18 this Court's acceptance of the guilty plea.
19 Is that your signature there on Page 11?
20 MR. MARONICK: I'm turning to that page, Your Honor.
21 Is that your signature?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: And then with respect to a sealed
24 supplement, is that your signature on Page 5, Mr. Qureshi?
25 THE DEFENDANT: Yes, Your Honor.
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1 THE COURT: Did you have occasion -- that's already
2 been marked as Government's Exhibit 1 for purposes of these
3 proceedings.
4 Did you have an opportunity to read and discuss this plea
5 agreement with either Mr. Smith or Mr. Maronick, your current
6 attorney, before you signed it in those places?
7 THE DEFENDANT: Yes, Your Honor.
8 THE COURT: And did you understand what was in the
9 plea agreement when you signed it there?
10 THE DEFENDANT: Yes, Your Honor.
11 THE COURT: And, Mr. Maronick, are you satisfied that
12 when he signed the plea agreement letter on September 16th, and
13 also I believe it has your signature there on those portions as
14 well, are you satisfied that he understood what he was signing
15 when he signed it on September 16th?
16 MR. MARONICK: Yes, Your Honor.
17 THE COURT: And this is the same agreement in which
18 you, in fact, signed; is that right, Mr. Qureshi?
19 THE DEFENDANT: Yes, Your Honor.
20 THE COURT: Are you satisfied, Mr. Maronick, that this
21 plea agreement letter with the sealed supplement attached
22 thereto sets forth the complete agreement between your client
23 and the Government?
24 MR. MARONICK: Yes, I am.
25 THE COURT: And, Mr. Qureshi, are you satisfied that
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1 this plea agreement letter sets forth the complete agreement
2 between you and the Government?
3 THE DEFENDANT: Yes, Your Honor.
4 THE COURT: Okay. That'll be introduced as
5 Government's Exhibit 1 and be placed under seal. And if you'll
6 return the original to the clerk's desk.
7 Thank you, Mr. Maronick.
8 MR. MARONICK: Thank you, Your Honor.
9 THE COURT: I believe you have a copy of the plea
10 agreement there. Mr. Maronick has a copy of the plea
11 agreement.
12 In Paragraph 20 of the plea agreement it states that the
13 Court is not a party to the agreement. I haven't signed it
14 anywhere.
15 Do you understand that?
16 THE DEFENDANT: Yes, Your Honor.
17 THE COURT: What that means is that the terms of the
18 plea agreement here, the entire document that we just entered
19 into evidence, are merely recommendations to me. They're not
20 binding upon me.
21 Do you understand that?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: Do you understand that I can reject those
24 recommendations without permitting you to withdraw your plea of
25 guilty?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: Do you understand that I could impose a
3 sentence which is more severe than you anticipate or it might
4 be more lenient and not as harsh as the Government desires.
5 Do you understand that?
6 THE DEFENDANT: Yes, Your Honor.
7 THE COURT: Has anyone in any way tried to threaten
8 you or force you to plead guilty in this case?
9 THE DEFENDANT: No, Your Honor.
10 THE COURT: Are you pleading guilty on your own freely
11 because you are, in fact, guilty?
12 THE DEFENDANT: Yes, Your Honor.
13 THE COURT: Do you understand the offense to which
14 you're pleading guilty, specifically wire fraud conspiracy in
15 violation of 18 United States Code § 1349 and 1343 is a felony
16 offense?
17 THE DEFENDANT: Yes, Your Honor.
18 THE COURT: And if I accept your plea of guilty, and
19 you're adjudged guilty of that offense, that adjudication will
20 deprive you of certain valuable civil rights.
21 Do you understand that?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: You lose the right to vote. You lose the
24 right to have a firearm. You lose the right to have
25 ammunition.
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1 I've already explained to you that -- you've already
2 indicated to me that you're an American citizen, so you will
3 not face deportation because of this charge, because you are
4 apparently a naturalized American citizen, but you might be
5 unable to keep certain licenses or permits or jobs because of
6 your felony conviction here.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: Just so you understand what I'm saying,
10 for example, there are public benefits such as Section 8
11 housing vouchers that are issued out by the federal government.
12 A felony conviction makes you ineligible for receiving that
13 kind of federal public housing benefit.
14 Do you understand that?
15 THE DEFENDANT: Yes, Your Honor.
16 THE COURT: If you've been convicted of another crime
17 in the past and you were on parole or probation for another
18 offense, you could face the possibility of violation of parole
19 or probation because of your conviction here.
20 Do you understand that?
21 THE DEFENDANT: Yes, Your Honor.
22 THE COURT: If you were to be convicted of another
23 crime in the future, and you were in another courtroom in front
24 of another judge, you could receive a harsher sentence because
25 of your conviction here.
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1 Do you understand that?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: You also face a possibility of forfeiture
4 of certain property and Paragraphs 11 through 15 of the plea
5 agreement specifically note the potentiality of forfeiture of
6 certain assets, including $250,723 in U.S. currency.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: And Paragraph 19, while we're at it on
10 that topic, Paragraph 19 notes that you face the matter of
11 restitution, a restitution order that could be entered with
12 respect to money to be paid in restitution of the money that
13 you fraudulently received.
14 Do you understand that?
15 THE DEFENDANT: Yes, Your Honor.
16 THE COURT: What you allegedly fraudulently received
17 at this point because I have not accepted the guilty plea yet.
18 As was noted in Paragraph 3 of the plea agreement, do you
19 understand that the maximum sentence provided by statute for
20 this offense is 30 years imprisonment, a term of supervised
21 release of five years, and a maximum fine of $1 million. They
22 are the maximum penalties. That's not to suggest they will be
23 the penalties, but they are the maximum penalties that apply to
24 this offense.
25 Do you understand that, Mr. Qureshi?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: I beg your pardon?
3 THE DEFENDANT: Yes, Your Honor.
4 THE COURT: And you must pay a 100-dollar special
5 assessment at the time of sentencing when you return here for
6 sentencing.
7 Do you understand that, sir?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: Hold on one second, please.
10 Now, you mentioned supervised release, Mr. Qureshi.
11 Supervised release involves your compliance with certain
12 conditions set by the Court and monitored by the probation
13 office after any period of incarceration.
14 Do you understand that if you were to get a prison
15 sentence and then be released on supervised release, if you
16 were to violate conditions of supervised release you could be
17 sent back to federal prison.
18 Do you understand that?
19 THE DEFENDANT: Yes, Your Honor.
20 THE COURT: Are you satisfied then, Mr. Maronick, that
21 Mr. Qureshi understands all the possible consequences of his
22 plea of guilty?
23 MR. MARONICK: Yes, I am, Your Honor.
24 THE COURT: And are you satisfied, Mr. Qureshi, that
25 you understand all the possible consequences of your plea of
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1 guilty?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: Let me explain to you, generally, how
4 sentencing works in federal court. And there are two key
5 opinions of the United States Supreme Court that I'll just try
6 to summarize in terms of the meaning of those. The sentencing
7 guidelines that apply here are mentioned in Paragraph 5 of the
8 plea agreement letter, which is in front of you, a copy of
9 which is in front of you, and, specifically, pursuant to
10 Section 5 of the plea agreement the advisory guidelines apply.
11 And the advisory guidelines were found constitutional by the
12 Supreme Court of the United States in the case of United States
13 v. Booker in January of 2005; but they were found to be
14 constitutional with the deletion of any mandatory provisions,
15 which means that the guidelines are advisory and are no longer
16 mandatory. And federal judges, while not bound to apply the
17 guidelines, must still consult them and take them into account
18 when imposing a sentence, subject to review by courts of
19 appeals for unreasonableness.
20 Do you understand that?
21 THE DEFENDANT: Yes.
22 THE COURT: It means these guidelines have been held
23 to be constitutional, but other factors are to be considered as
24 well.
25 Do you understand that, Mr. Qureshi?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: And in another opinion of the United
3 States Supreme Court in Gall v. United States, three years
4 after the Booker case, the Supreme Court specifically held that
5 federal judges should not presume that the guideline range is
6 reasonable, but it is a starting point in a multistep process.
7 So when you come back here for sentencing -- Ms. Sanger,
8 we're going to hear from her in a minute with respect to
9 conditions of releases that are recommended. Presuming you're
10 released here today, she will be preparing a presentence
11 investigation report, and each side will see it. And the
12 presentence investigation report will have various facts that I
13 consider. So I won't just presume that the guideline range is
14 reasonable, but I'll consider all of those matters as well when
15 you return here for sentencing, which had originally been
16 scheduled -- I understand it had been originally scheduled for
17 January, but now it's been changed to Thursday, February 2nd of
18 next year.
19 Do you understand the general process of federal
20 sentencing guidelines that have to be reviewed in terms of an
21 appropriate sentence in this case?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: And Paragraph 6 is a guideline
24 calculation. And it basically comes out to in terms of the
25 amount of money involved and then giving you credit for your
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1 acceptance and responsibility. And there's an anticipated
2 total offense level of 16.
3 And I can tell you, Mr. Qureshi, that that offense level
4 would expose you to time in prison under the guidelines, a
5 total offense level of 16 would expose you to time in federal
6 prison.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: And has that been made clear to you by
10 your attorneys?
11 THE DEFENDANT: Yes.
12 THE COURT: We're now up to Paragraph 7 of the plea
13 agreement letter and that states that there is no agreement as
14 to your criminal history and that could be important,
15 Mr. Qureshi, because if you have some unknown criminal history
16 that will affect your range of imprisonment and it will affect
17 my judgment on what kind of prison sentence, if any, you should
18 receive.
19 Do you understand that?
20 THE DEFENDANT: Yes.
21 THE COURT: Paragraph 8 of the plea agreement notes
22 that there are no other guideline issues which are in dispute,
23 which means there's no dispute about how the guidelines are
24 being calculated.
25 Do you understand that?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: And then Paragraph 9 notes that both you
3 and the Government can request a reasonable sentence. It
4 usually is the case that what the Government feels is
5 reasonable is not what the defense attorney thinks is
6 reasonable.
7 Do you understand that?
8 THE DEFENDANT: Yes.
9 THE COURT: I will hear what both sides have to stay
10 along with if there are sentencing memoranda when I determine
11 what the appropriate penalty should be when you ultimately
12 return here for sentencing.
13 Do you understand that, sir?
14 THE DEFENDANT: Yes, Your Honor.
15 THE COURT: I'll not be able to determine the advisory
16 guideline range in this case until after a presentence
17 investigation report has been prepared by Ms. Sanger and after
18 both you and the Government have an opportunity to review it
19 and to note any objections to it. She'll prepare a presentence
20 investigation report. You'll be meeting with her either later
21 today or some other time.
22 Ms. Sanger, I suspect, unless you were going to do this
23 today, you might want to plan another day because it's going to
24 be awhile before we're finished. And I don't think it's going
25 to go quickly.
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1 MS. SANGER: Yes, Your Honor.
2 THE COURT: I think you'll have to plan another day.
3 (Interruption.)
4 MR. MARONICK: Court's indulgence.
5 THE COURT: And she'll prepare a presentence
6 investigation report. She'll give a copy to Mr. Riley, she'll
7 give a copy to Mr. Maronick, he'll go over it with you. Either
8 side will note objections to it. Then she either will or will
9 not make any corrections, then it comes to me. I'm the last
10 one of all of you to see that.
11 Do you understand that?
12 THE DEFENDANT: Yes, Your Honor.
13 THE COURT: And so do you understand that any sentence
14 imposed could be different from what the estimate Mr. Maronick
15 might have given you.
16 Do you understand that?
17 THE DEFENDANT: Yes, Your Honor.
18 THE COURT: He cannot predict what I'm going to do,
19 Mr. Qureshi, do you understand that?
20 THE DEFENDANT: Yes, Your Honor.
21 THE COURT: Do you understand that after the guideline
22 range has been determined, because the guidelines are advisory,
23 I have the authority to depart from the guidelines and impose a
24 sentence that's either more severe or less severe than called
25 for by the guidelines.
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1 Do you understand that?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: With respect to parole, there is no parole
4 in the federal system as there is in the state system. If you
5 receive a two-year prison sentence, it's two years. You can
6 get good time credit, but you don't just serve one-third of
7 your time and then you're released, as might be the case in the
8 state system.
9 There is no parole in the federal system, do you
10 understand that?
11 THE DEFENDANT: Yes, Your Honor.
12 THE COURT: With respect to the rights of appeal, it's
13 very important you understand this. Paragraph 10 of the plea
14 agreement letter notes that both you and the Government waive
15 appeal of any lawful sentence. That means if I stay within the
16 parameters of the statute, the Government cannot appeal a
17 sentence if the Government thinks I've been too lenient and
18 have not been harsh enough. But you cannot appeal a sentence
19 if you think I was not fair to you, that I gave you too long a
20 sentence. You waive appeal, both sides are waiving appeal of
21 the sentence here.
22 Do you understand that?
23 THE DEFENDANT: Yes.
24 THE COURT: Paragraph 10C notes waiver of any rights
25 under what is known as the Freedom of Information Act. That is
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1 a law that was passed by the U.S. Congress that provides that
2 American citizens can seek information from certain Government
3 agencies. You've had access to discovery in this case through
4 your attorney, but now that you're pleading guilty, you have no
5 further right to seek information from the Department of
6 Justice with respect to the investigation in this case.
7 Do you understand that?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: Now, Mr. Qureshi, we're going to go to
10 Paragraph 4 of the plea agreement letter. It has to do with
11 your waiver of rights. Specifically, I want to go over waiver
12 of a jury trial here.
13 Do you understand how a jury trial works in the United
14 States?
15 THE DEFENDANT: Yes, Your Honor.
16 THE COURT: Okay. People from the community are
17 picked to sit in a jury.
18 Do you understand that?
19 THE DEFENDANT: Yes, Your Honor.
20 THE COURT: There would be a jury trial and the trial
21 would be in front of a jury. Has anybody explained to you what
22 a jury trial is about?
23 THE DEFENDANT: Yeah.
24 THE COURT: Have your lawyers explained to you what a
25 jury trial is about?
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1 THE DEFENDANT: Yes.
2 THE COURT: Do you understand what a jury trial is
3 about?
4 THE DEFENDANT: Yes, Your Honor.
5 THE COURT: All right. You pick people from the
6 community, and they sit and ultimately make a decision on guilt
7 or innocence.
8 Do you understand that?
9 THE DEFENDANT: Yes, Your Honor.
10 THE COURT: And you have a right to continue to plead
11 not guilty to any of these charges, and you have a right to
12 continue to request a trial by jury for which 12 people would
13 be selected as jurors.
14 Do you understand that?
15 THE DEFENDANT: Yes, Your Honor.
16 THE COURT: And do you understand you would have a
17 right to participate with your lawyers in the selection of a
18 jury in this case?
19 THE DEFENDANT: Yes, Your Honor.
20 THE COURT: You're going to have to keep your voice
21 up, please, sir.
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: Do you understand at a trial you would be
24 presumed to be innocent and the Government would have to prove
25 your guilt beyond a reasonable doubt?
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1 THE DEFENDANT: Yes, Your Honor.
2 THE COURT: Do you understand there would have to be a
3 unanimous verdict of all 12 jurors before you could be
4 convicted in this case?
5 THE DEFENDANT: Yes, Your Honor.
6 THE COURT: If there were 11 jurors that found you
7 were guilty and one that found you were not guilty we would
8 have to have in other trial. You would not be found guilty or
9 convicted.
10 Do you understand that?
11 THE DEFENDANT: Yes, Your Honor.
12 THE COURT: You have the right to the assistance of
13 your counsel for defense and the right to see and hear all
14 witnesses and to cross-examine all witnesses.
15 Do you understand that?
16 THE DEFENDANT: Yes, Your Honor.
17 THE COURT: Do you understand on your own part you
18 would have a right to decline to testify under the Fifth
19 Amendment to our Constitution, unless you voluntarily elected
20 to testify in your own defense.
21 Do you understand that?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: If you did testify, you could be subject
24 to impeachment on cross-examination, and could be questioned by
25 Government counsel.
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1 Do you understand that?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: However, if you decided to go to trial and
4 not testify, do you understand that those facts could not be
5 used against you?
6 THE DEFENDANT: Yes, Your Honor.
7 THE COURT: I would tell the jury they should not be
8 considered in any way. I would tell the jury the burden is
9 always upon the Government to prove guilt beyond a reasonable
10 doubt. That burden never shifts to a criminal defendant to
11 prove his innocence.
12 Do you understand your rights in that regard?
13 THE DEFENDANT: Yes.
14 THE COURT: Do you understand that you would have the
15 right to compel the attendance of witnesses to testify in your
16 defense?
17 THE DEFENDANT: Yes, Your Honor.
18 THE COURT: What that means is that if any witnesses
19 whom you wanted to call, you could give their names to
20 Mr. Maronick, and he would give those names to the Clerk of the
21 Court, the Clerk of the Court would issue subpoenas, and those
22 subpoenas would be returned to him, and he would be responsible
23 for seeing that those subpoenas were served on witnesses. And
24 just as the Government can require people to come into the
25 courtroom so can you.
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1 Do you understand that?
2 THE DEFENDANT: Yes, Your Honor.
3 THE COURT: And if there was a trial in this case and
4 if a jury found you guilty, you could appeal both the verdict
5 of guilty as well as the sentence.
6 Do you understand that?
7 THE DEFENDANT: Yes, Your Honor.
8 THE COURT: And do you further understand that by
9 entering this plea of guilty, you will have waived your right
10 to all the rights I just described for you and have given up
11 all those other rights as well.
12 Do you understand that?
13 THE DEFENDANT: Yes, Your Honor.
14 THE COURT: Now, as to the elements of wire fraud
15 conspiracy, they are contained very explicitly in Paragraph 2
16 of the plea agreement letter, and as to this I'm going to go
17 over it with you very carefully.
18 With respect to the criminal information that I read
19 verbatim to you earlier in these proceedings about an hour ago,
20 it notes that on or about March 14, 2021, certain matters were
21 submitted to the Government for the PPP program in the face of
22 the pandemic under the CARES Act. And the elements of the
23 offense of wire fraud conspiracy are set forth in Paragraph 2.
24 And, specifically, at or about the time charged in the
25 indictment that two or more persons in some way or manner
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1 agreed to accomplish a common and unlawful plan to commit the
2 crime of wire fraud as charged in the criminal information; and
3 that you knew of the unlawful purpose and willfully joined it;
4 and that you knowingly devised a scheme to defraud and obtain
5 money by false pretenses in terms of misrepresentations as to
6 employees, misrepresentations as to Government documents. And
7 the fourth element is that you acted with intent to defraud.
8 Do you understand the basic elements of the charge here,
9 sir?
10 THE DEFENDANT: Yes, Your Honor.
11 THE COURT: And you understand that by advancing
12 further into carrying out this scheme it was transmitted by
13 means of wire, radio, or television communication in interstate
14 commerce, or caused the transmission of a writing or sign of
15 some sort in a wire communication.
16 Do you understand those basic elements?
17 THE DEFENDANT: Yes.
18 THE COURT: It means that documents were sent by wire
19 transfers and that those documents were fraudulent and there
20 were lies on those forms and that you received money as a
21 result of those lies on those forms.
22 THE DEFENDANT: Yes.
23 THE COURT: Do you understand that basic -- those
24 basic elements?
25 THE DEFENDANT: Yes.
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1 THE COURT: With that, you may be seated for a moment
2 and I'll call upon Assistant United States Attorney Paul Riley
3 to summarize and make a representation considering the facts
4 the Government would be prepared to prove at trial so as to
5 establish an independent factual basis for this Court's
6 acceptance of a guilty plea.
7 And I would note that attachment A to the plea agreement
8 letter provides an independent factual basis for this Court's
9 acceptance of a guilty plea. And I think it's very important,
10 Mr. Riley, that you read the entirety of attachment A, and as
11 quickly as I speak I know sometimes you can speak quickly as
12 well, in fairness to Ms. Thomas, we'll have to go through and
13 read this.
14 Now, Mr. Qureshi, to make sure I'm comfortable, I want you
15 to remain standing. I want your counsel to give you a copy of
16 the document being read from.
17 THE DEFENDANT: Yes, Your Honor.
18 THE COURT: Mr. Maronick, hand him the document, the
19 plea agreement. Please turn it to attachment A.
20 MR. MARONICK: Yes, Your Honor.
21 THE COURT: Do you have reading glasses there,
22 Mr. Qureshi?
23 MR. MARONICK: He does, Your Honor.
24 THE COURT: All right. Take your time and getting
25 your reading glass.
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1 All right. Your reading glasses are on. You see the
2 portion there that says attachment A, Stipulation Of Facts?
3 THE DEFENDANT: Yes.
4 THE COURT: The Government lawyer, the prosecutor, is
5 going to read from that document, okay?
6 THE DEFENDANT: Yes.
7 THE COURT: I presume that that document was read to
8 you by your lawyers, but in the abundance of caution, it is
9 going to be read here in open court, and you are to listen very
10 carefully, Mr. Qureshi.
11 And you have represented to me that you not only speak
12 English you read English; is that correct?
13 THE DEFENDANT: Yes, Your Honor.
14 THE COURT: So there should not be any confusion.
15 He's going to read from this document, and you're going to read
16 every word along with him, not out loud, but read it along with
17 him.
18 Do you understand that?
19 THE DEFENDANT: Yes.
20 THE COURT: All right. Mr. Riley, you may proceed.
21 MR. RILEY: Yes, Your Honor.
22 "Defendant Ayaz Qureshi, born June 1969, is a resident of
23 Severna Park, Maryland. Beginning in March 2021 and continuing
24 through December 2021 in the District of Maryland, the
25 Defendant and his coconspirator, A.S., conspired together and
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1 engaged in a scheme to defraud a financial institution, Bank 1,
2 to obtain a fraudulent loan for Yazee, Inc., Qureshi's
3 purported business under the Paycheck Protection Program, PPP,
4 part of the Coronavirus Aid, Relief, and Economic Security, or
5 CARES Act, enacted in or around March 2020. Ultimately,
6 Qureshi fraudulently obtained $250,723 as part of this scheme.
7 His offense is described in more detail below."
8 "On March 14, 2021, A.S., with the assistance of Qureshi,
9 submitted a fraudulent PPP loan application to Bank 1 for
10 Yazee, Inc., a purported business for which Qureshi was the
11 president. Yazee, Inc. had no employees at the time and was
12 not operating in any legitimate capacity."
13 "The PPP loan application contained multiple material
14 misrepresentations, including that Yazee, Inc. had 16 employees
15 and that an average monthly payroll of $100,289. In support of
16 the loan application, a fabricated IRS Form 940, Employer's
17 Annual Federal Employment Tax Return, was submitted which
18 falsely indicated that Yazee, Inc.'s total payments to all
19 employees in 2019 was $1,203,471.52. The IRS Form 940 was not
20 legitimate and the information within it was false. Yazee,
21 Inc. did not pay any wages to or withhold federal income tax
22 from any employees during the 2019 tax year."
23 "Additionally, Qureshi gave A.S. documents to be submitted
24 with the PPP loan application, including photographs of his
25 driver's license and a voided check and a bank statement from
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1 Wells Fargo bank account in the name of Yazee, Inc. and
2 controlled by Qureshi."
3 "Based on the false representations and fraudulent
4 submissions made on behalf of Qureshi as the owner of Yazee,
5 Inc., on March 22, 2021, the PPP loan funded and approximately
6 $250,723 was distributed by Bank 1 to the Wells Fargo account
7 referenced above."
8 "Qureshi agreed to pay A.S. a kickback for his work in
9 submitting the false application and obtaining the fraudulent
10 loan. After the PPP loan was funded, the loan funds were
11 received by Qureshi. He provided A.S. with eight checks
12 totaling $75,000 or approximately 30 percent of the PPP loan.
13 On each of those checks, Qureshi wrote the amount, but left the
14 payee name blank. A.S. and others ultimately wrote a payee
15 name on each of those checks, deposited the checks, and $75,000
16 directly traceable to fraudulent PPP loan funds was ultimately
17 drawn on the Wells Fargo account in the name of Yazee, Inc. and
18 controlled by Qureshi."
19 "Proceeds from a PPP loan are required to be used only for
20 certain permissible business expenses, including payroll costs,
21 mortgage interest, rent, and utilities. Qureshi and A.S. were
22 aware that under the applicable PPP rules, interest and
23 principal on a legitimate PPP loan were eligible for
24 forgiveness, if the business spent the loan proceeds on
25 permissible items within a designated period of time and used a
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1 certain portion of the loan toward payroll expenses."
2 "Accordingly, in an attempt to make it appear that the PPP
3 loan funds were being used for legitimate purposes, on June 22,
4 2021, Qureshi, at the suggestion of A.S., signed an agreement
5 with Payroll Processor 1 to provide payroll services to
6 purported employees of Yazee, Inc. Pursuant to the agreement,
7 and at the direction of Qureshi, Payroll Processor 1 withdrew
8 funds from the Wells Fargo account referenced above and made
9 payments using the PPP funds to purported employees of Yazee,
10 Inc., including Qureshi, his wife, and his other associates."
11 "In total, $144,647.21 in sham payroll payments were made
12 using funds traceable to the PPP loan obtained by Qureshi and
13 his purported business. None of the purported employees were,
14 in fact, legitimately employed by Yazee, Inc. In connection
15 with the scheme, Qureshi engaged in email correspondence with
16 Payroll Processor 1 concerning purported employees to be added
17 and removed from the payroll and spoke with employees of
18 Payroll Processor 1 on the phone as well."
19 "Qureshi made no payments to Bank 1 in connection with the
20 PPP loan obtained for Yazee, Inc., and the loan was ultimately
21 forgiven."
22 "Qureshi and A.S. executed the fraud scheme discussed
23 herein, in part, through the use of mobile phones, the
24 internet, multiple email accounts, and bank deposits and
25 transfers, all of which used interstate wires, and Qureshi was
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1 in Maryland when he transmitted wires to execute his scheme."
2 THE COURT: Thank you very much, Mr. Riley.
3 Are there any additions or modifications to that statement
4 of facts, Mr. Maronick?
5 MR. MARONICK: There are none, Your Honor.
6 THE COURT: Mr. Qureshi, is that an accurate summary
7 of the facts in this case?
8 THE DEFENDANT: Yes, Your Honor.
9 THE COURT: Did you, in fact, commit the crime as
10 summarized by Mr. Riley on behalf of the Government?
11 THE DEFENDANT: Yes, Your Honor.
12 THE COURT: Do you still wish to plead guilty, sir?
13 THE DEFENDANT: Yes, Your Honor.
14 THE COURT: Specifically then, Mr. Qureshi, how do you
15 plead to the one-count criminal information filed against you,
16 guilty or not guilty?
17 THE DEFENDANT: Guilty.
18 THE COURT: Mr. Maronick, is there any reason you know
19 of why this Court should not accept this guilty plea?
20 MR. MARONICK: There is not, Your Honor.
21 THE COURT: It is the finding of this Court in the
22 case of United States v. Ayaz Qureshi that the Defendant is
23 fully competent and capable of entering an informed plea. I
24 also find he's fully competent and capable of understanding
25 English, and also find specifically he can understand English
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1 and understand reading English. The Court further finds that
2 the Defendant is aware of the nature of the charges and the
3 relevant consequences of his plea of guilty and great pain has
4 been taken to make sure he understands he's accused of fraud.
5 He's accused of fraud in connection with the PPP program and
6 CARES Act in the face of the pandemic. That's not very
7 confusing.
8 I'm satisfied the Defendant has no confusion about what
9 he's pleading guilty to. And he's acknowledged his guilt of
10 that fraud here today.
11 And, furthermore, the Court finds that his plea of guilty
12 on advice of competent counsel with whose services he is
13 satisfied is a knowing and voluntary plea supported by
14 independent bases and facts sustaining each of the essential
15 elements of the offense charged. The plea is to be accepted
16 and the Defendant is now adjudged guilty of the offense as set
17 forth in the one-count criminal information, guilty of wire
18 fraud conspiracy in violation of 18 United States Code § 1349
19 and 1343.
20 Mr. Qureshi, a written presentence investigation report is
21 going to be prepared by Ms. Danielle Sanger, who is here in
22 court here today. And you'll be asked to provide information
23 for that report to assist her, and your attorney will be with
24 you at all times when you meet with her. And I will strongly
25 recommend that this will not be done by Zoom and this will not
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1 be done over the telephone.
2 Ms. Sanger, understand on that?
3 MS. SANGER: Yes.
4 THE COURT: That will be an in-person interview of
5 this Defendant.
6 MS. SANGER: Yes, Your Honor.
7 THE COURT: All right. After she prepares the report,
8 I'll permit both you and your attorney to read the presentence
9 investigation report and to file any objections to it before
10 the sentencing hearing. And you and your attorney will be
11 afforded the opportunity to speak on your behalf at the
12 sentencing hearing. So I will refer you to Ms. Sanger for the
13 preparation of a presentence investigation and report.
14 Your date of sentencing is going to be scheduled for
15 Thursday, February 2, 2023.
16 And I believe the Clerk of the Court has a draft of a
17 regular sentencing order here. Thank you very much, Ms. Davis.
18 This sentencing order -- Ms. Sanger's initial report will
19 be prepared by November the 23rd. On or before December the
20 7th, if either side has any objections you will notify
21 Ms. Sanger. She either will or will not make changes to that
22 report.
23 And then ultimately, by December the 19th, she'll file it
24 with the Court.
25 If counsel desire to call any witnesses at this hearing,
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1 you should notify the opposing side, either side should notify
2 the opposing side or Court by January the 19th with respect to
3 those witnesses.
4 Sentencing memoranda are not required but, if submitted,
5 should be by that day. And, quite frankly, in light of the
6 difficulties we had here today -- I usually waive that, but in
7 this one I'm not. Any sentencing memorandum must be submitted
8 by the Government or by the Defendant, by that date, by January
9 the 19th.
10 And, Mr. Maronick, you can make a specific note of that.
11 And also, any sentencing memorandum that is submitted, I
12 want it signed by Mr. Qureshi as well, Mr. Maronick, and a
13 representation that he's read it and he understands what is
14 being submitted on his behalf.
15 And I'll sign this sentencing order here today to that
16 effect and the sentencing will be Tuesday, February 2nd at
17 11:00 a.m.
18 All right. Now we have to get the matter of conditions of
19 release. The regular sentencing order has been signed.
20 We now have to address conditions of release here. I have
21 not seen these yet at all. I have no idea what has been
22 discussed with the Defendant or what's been agreed upon so
23 we'll just go step by step on this.
24 MR. MARONICK: May we sit for this, Your Honor, or --
25 THE COURT: No, I want him to remain standing so I'm
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1 satisfied he understands what's being said.
2 MR. MARONICK: Yes, Your Honor. Of course.
3 THE COURT: Pursuant to 18 United States Code § 1341
4 through 1348 and Federal Rule 46 of the Federal Rules of
5 Criminal Procedure, I have to determine if there are conditions
6 that can satisfy the Court that the Defendant doesn't run the
7 risk of flight or threat to the community.
8 Counsel, it can be helpful to me -- Mr. Maronick, did you
9 sit with him when he was interviewed by Ms. Sanger?
10 MR. MARONICK: It was done telephonically, Your
11 Honor --
12 THE COURT: Well, if it was done telephonically then
13 I've got to go over the whole thing with him. Okay. Let's go
14 step by step.
15 This is an order setting conditions of release,
16 Mr. Qureshi.
17 First step is does the Government have any reason to
18 believe that this Defendant represents a risk of flight or
19 threat to the community?
20 MR. RILEY: No, Your Honor. I will say the conditions
21 proposed by pretrial services, all of the conditions are
22 accepting to the Government.
23 THE COURT: All right. Okay. Well thank you.
24 MR. RILEY: The surrendering of the passport
25 eliminates any flight risk.
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1 THE COURT: You're not going to be ordered to be held
2 by any law enforcement authorities today, Mr. Qureshi. But I
3 have to make sure you understand it because if you violate any
4 of it you can have an arrest warrant issued for you.
5 MR. MARONICK: Your Honor, if I may join, the defense,
6 we also would ask to follow the recommendations by pretrial. I
7 have read through those. It does not --
8 THE COURT: I have to make sure he understands it.
9 MR. MARONICK: I understand, Your Honor.
10 THE COURT: I have to go through this with him.
11 MR. MARONICK: I understand.
12 THE COURT: This document means that you promise to
13 appear in court as required and surrender to serve any sentence
14 imposed.
15 Do you understand that --
16 THE DEFENDANT: Yes, Your Honor.
17 THE COURT: -- Mr. Qureshi?
18 THE DEFENDANT: -- yes, Your Honor.
19 THE COURT: If you violate that, that would be a
20 separate violation, totally apart from the charge here.
21 Do you understand that?
22 THE DEFENDANT: Yes, Your Honor.
23 THE COURT: You must not change any address.
24 Essentially, you must not change any address without the
25 approval of pretrial services and provide pretrial services
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1 appropriate notice. You must report on a regular basis to the
2 supervising officer. You must surrender any passport to the
3 Clerk's Office by close of business.
4 Has he surrendered his passport yet?
5 MR. MARONICK: He has not.
6 THE COURT: Does he have a passport?
7 MR. MARONICK: He does have it at his residence.
8 THE COURT: That has to be submitted by noon on
9 Monday. By noon on Monday it has to be surrendered to the
10 court.
11 THE DEFENDANT: Yes.
12 MR. MARONICK: If Your Honor would like my assistance
13 with that --
14 THE COURT: I don't care, but I want it -- somebody in
15 hand is going to hand it to the Clerk's Office by noon on
16 Monday.
17 MR. MARONICK: Yes, Your Honor.
18 THE COURT: And you're not to obtain any new passport.
19 You are to avoid all contact indirectly or otherwise with
20 any persons who may become a victim or potential witness in
21 this investigation.
22 You are to undergo any medical or psychiatric examination
23 as required by pretrial services.
24 You are not to open up any bank accounts or lines of
25 credit while on pretrial services supervision, and you are to
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1 refrain from possessing any personal identifying information
2 other than your own, and comply with all local and federal
3 health directives as they relate to the COVID-19.
4 Do you understand that?
5 THE DEFENDANT: Yes, Your Honor.
6 THE COURT: As I've indicated, violating any of these
7 conditions may result in the immediate issuance of a warrant
8 for your arrest.
9 Mr. Maronick, if you'll approach the bench and we'll have
10 him go over this and sign it.
11 Yes, Ms. Sanger?
12 MS. SANGER: Your Honor, the only additional request
13 that we would have for condition for release would be to add if
14 Your Honor and the Court determines him to be a third-party
15 risk that we would request that he notify any potential or
16 current employer of this case.
17 We know that his current business is part of the alleged
18 instant offense --
19 THE COURT: Yes.
20 MS. SANGER: -- that's why we would add that condition
21 if Your Honor agrees.
22 THE COURT: Where is the box where that's to be
23 checked?
24 MS. SANGER: Your Honor, it's one that you would have
25 to write in.
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1 THE COURT: All right.
2 MR. MARONICK: We have no objection, Your Honor.
3 THE COURT: How do you want this worded, Ms. Sanger?
4 MS. SANGER: Your Honor, specifically would be to
5 notify current or potential employers of the pendency of the
6 alleged instant offense and allow pretrial services to verify
7 the notification. I believe it's in my report, Your Honor.
8 THE COURT: That's the very last page at the bottom of
9 the line here?
10 MS. SANGER: Yes, Your Honor.
11 THE COURT: Again, word that slowly for me. This is a
12 rather unique -- at now an hour-and-a-half-long guilty plea,
13 which is without question the longest guilty plea I've had in
14 20 years on the bench. I know without question this has taken
15 longer than ever. Just seal off the afternoon. And I'm going
16 to ask you to speak more slowly and people are usually asking
17 me to speak more slowly. Since I'm going to have to take
18 dictation from you, could you read carefully what you just said
19 to me.
20 MS. SANGER: Your Honor, would you like me to
21 approach, I have it written also. It might make it easier.
22 THE COURT: No, I'd like for you to read it out for
23 me, and I'll writ it in my own handwriting.
24 MS. SANGER: Yes, Your Honor.
25 THE COURT: It could have been written down here but
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1 it was not and because it's not written down them I'm going to
2 have to do it in my hand myself. Go right ahead.
3 MS. SANGER: Okay. Notify current or potential
4 employers --
5 THE COURT: Hold on one second.
6 Go ahead.
7 MS. SANGER: -- of the pendency of the instant
8 offense.
9 THE COURT: Of the pendency of the instant offense.
10 MS. SANGER: And allow pretrial services to verify
11 notification.
12 THE COURT: And allow pretrial services to verify the
13 notification.
14 MS. SANGER: Thank you, Your Honor, for adding that.
15 I apologize. It was an oversight on my part.
16 THE COURT: That's quite all right, Ms. Sanger. Don't
17 worry about it. It's been one of those afternoons.
18 Mr. Maronick, if you'll approach the bench and have your
19 client sign this. And I'm not going to have him just sign it,
20 I want him to read through it, okay. I want you to take time
21 to have him read through it, and I want him then after he's
22 read through it to sign. I don't want him just to take it and
23 sign it.
24 MR. MARONICK: Yes, Your Honor.
25 THE COURT: So we're not going to have any suggestion
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1 that he doesn't understand something.
2 MR. MARONICK: Yes, Your Honor.
3 (Counsel conferring with client.)
4 MR. MARONICK: Your Honor, I've read through the
5 entire agreement with him. He indicates to me he understands.
6 He's prepared to sign with the Court's permission.
7 THE COURT: Thank you, Mr. Maronick.
8 MR. MARONICK: Your Honor, the document has been
9 properly signed.
10 THE COURT: Thank you very much. Bring it up here to
11 the bench and I'll sign it and we'll get it filed.
12 Thank you, Ms. Davis. I'll sign this. And this'll be
13 filed. I have signed it. And so it's -- there you go.
14 Is there anything further from the point of view of the
15 Government on this matter, Mr. Riley?
16 MR. RILEY: No, Your Honor. Thank you.
17 THE COURT: Anything else, Mr. Maronick, from your
18 point of view?
19 MR. MARONICK: No, Your Honor.
20 THE COURT: All right. That concludes it.
21 And, Ms. Thomas, I'm very sorry for the delay here this
22 afternoon. And this Court now stands adjourned for the day.
23 THE CLERK: All rise. This Honorable Court stands
24 adjourned.
25 (Hearing concluded at 4:32 p.m.)
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1 CERTIFICATE OF OFFICIAL REPORTER
2
3
4 I, Ronda J. Thomas, Registered Merit Reporter, Certified
5 Realtime Reporter, in and for the United States District Court
6 for the District of Maryland, do hereby certify, pursuant to 28
7 U.S.C. § 753, that the foregoing is a true and correct
8 transcript of the stenographically-reported proceedings held in
9 the above-entitled matter and the transcript page format is in
10 conformance with the regulations of the Judicial Conference of
11 the United States.
12
Dated this 26th day of June 2023.
13
14
15 ______________________________
16 Ronda J. Thomas, RMR, CRR
Federal Official Reporter
17
18
19
20
21
22
23
24
25
Ronda J. Thomas, RMR, CRR - Federal Official Reporter
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 76 of 88
0 2022 [3] 1/8 22/12
A.S [30] 11/3 15/13 12/15 18/2 28/11 29/12
39/15 15/20 17/3 17/5 21/14 52/25 57/22 61/5 65/6
MR. MARONICK: [69] 0330 [1] 2/4
21/19 22/6 22/7 22/9 acted [1] 58/7
2023 [3] 22/12 66/15
3/21 3/25 4/2 4/5 4/9
4/14 4/18 5/16 5/20 1 75/12 22/25 23/2 24/3 24/23 actions [1] 17/3
25/7 2024 [1] 22/12 25/4 26/9 26/22 27/3 acts [1] 17/5
5/25 6/2 6/4 7/24 8/6 1's [1]
10 [3] 14/12 29/3 2025 [1] 22/13 27/5 27/10 27/22 60/25 actually [3] 6/1 6/23
8/10 8/21 10/20 10/22
2026 [1] 22/13 61/8 61/23 62/8 62/11 36/7
11/20 12/24 16/25 17/2 52/13
2027 [1] 22/13 62/14 62/21 63/4 63/22 add [2] 71/13 71/20
17/10 17/16 18/7 19/4 100 percent [1] 8/16
19/20 20/6 20/13 20/19 100-dollar [1] 46/4 2028 [1] 22/13 A.S.'s [1] 26/11 added [1] 63/16
22/19 29/5 29/25 31/5 101 [1] 1/24 21 [1] 16/3 ability [1] 7/22 addiction [1] 37/5
32/10 35/5 35/14 38/1 1019 [1] 22/11 21201 [1] 1/25 able [1] 50/15 adding [1] 73/14
38/5 39/19 39/21 40/11 1099 [1] 16/11 22 [6] 21/17 23/1 23/6
about [27] 10/10 13/3 addition [2] 14/1 16/6
40/14 40/20 41/16 10C [1] 52/24 26/5 62/5 63/3 14/20 15/12 16/3 17/13 additional [1] 71/12
18/4
22-0330-RDB [1] 1/5 19/8 19/10 21/16 Additionally [1] 61/23
41/24 42/8 46/23 51/4 11 [5] 31/20 35/1
40/19 45/4 55/6 23 [1] 5/8 23/6 23/16 23/17 25/13 additions [1] 64/3
59/20 59/23 64/5 64/20
23rd [1] 66/19 26/5 26/17 27/24 33/3 address [4] 7/24 67/20
67/24 68/2 68/10 69/5 11:00 [1] 67/17
2483 [1] 13/23 49/23 53/22 53/25 54/3 69/23 69/24
69/9 69/11 70/5 70/7 11th [2] 20/2 20/3
26th [1] 75/12 57/19 57/20 57/24 65/8 adjourned [2] 74/22
70/12 70/17 72/2 73/24 12 [2] 54/12 55/3
27 [1] 10/10 73/17 74/24
74/2 74/4 74/8 74/19 1341 [1] 68/3
28 [1] 75/6 above [7] 1/10 23/1 adjudged [2] 43/19
MR. RILEY: [13] 3/1 1343 [4] 24/15 32/18
43/15 65/19 29 [1] 15/23 26/24 28/11 62/7 63/8 65/16
3/5 18/5 29/16 29/19
2:55 [2] 1/8 2/1 75/9 adjudication [1] 43/19
30/8 32/8 32/19 33/9 1348 [1] 68/4
60/21 68/20 68/24 1349 [3] 32/18 43/15 2nd [2] 48/17 67/16
above-entitled [2] administer [1] 34/19
65/18 1/10 75/9 Administration [6]
74/16 3
13th [1] 5/15 absolutely [2] 18/7 11/1 11/10 12/3 12/6
MS. SANGER: [18] 30 [1] 45/20
14 [5] 1/8 15/12 39/15 39/23 13/23 14/20
3/8 3/13 3/17 32/23
30 percent [4] 21/21 abundance [1] 60/8 admission [1] 17/15
51/1 66/3 66/6 71/12 57/20 61/8
21/23 26/10 62/12 accept [5] 7/4 18/19 advancing [1] 58/11
71/20 71/24 72/4 72/10 15 [3] 16/9 23/17 45/4
31/25 43/18 64/19 advice [3] 6/10 38/25
72/20 72/24 73/3 73/7 16 [4] 16/1 49/2 49/5 4
61/14 acceptance [4] 40/18 65/12
73/10 73/14 46 [1] 68/4
16th [4] 40/12 40/13 49/1 59/6 59/9 advised [3] 6/8 31/8
THE CLERK: [12] 48 [1] 37/22 accepted [3] 22/20 39/13
20/2 34/21 34/23 34/25 41/12 41/15 4:32 [1] 74/25 45/17 65/15 advisory [5] 47/10
35/3 35/7 35/10 35/12 18 [7] 21/3 24/5 24/15 4th [1] 1/24
32/17 43/15 65/18 68/3 accepting [1] 68/22 47/11 47/15 50/15
35/15 35/18 35/21
19 [7] 12/14 12/20 5 access [1] 53/3 51/22
74/23
13/6 18/2 45/9 45/10 50 [1] 14/9 accomplish [1] 58/1 affect [2] 49/16 49/16
THE COURT: [245]
71/3 accordingly [2] 2/9 affirmative [1] 13/21
THE DEFENDANT: 53 [1] 35/2
1969 [2] 35/1 60/22 63/2 afforded [1] 66/11
[165] 5F [1] 29/6
19th [6] 5/1 12/1 19/24 account [18] 10/13 after [15] 6/9 12/9
$ 66/23 67/2 67/9 6 10/16 10/18 15/23 18/12 21/22 22/6 27/9
$1 [1] 45/21 15/24 21/18 22/8 22/11 27/14 46/13 48/4 50/16
2 63 [1] 24/5
$1 million [1] 45/21 23/5 23/11 23/18 26/7 50/17 51/21 62/10 66/7
$1,203,471.52 [3] 21/2 20 [3] 21/12 42/12 7 27/6 47/17 62/1 62/6 73/21
25/23 61/19 72/14 62/17 63/8 afternoon [8] 2/2 2/9
75,000-dollar [2] 26/9
$100,289 [2] 16/2 2000 [3] 36/13 36/14 26/15 accounts [4] 23/22 3/1 3/21 22/16 33/2
61/15 36/17 27/5 63/24 70/24 72/15 74/22
753 [1] 75/7
$144,647.21 [2] 23/20 2005 [2] 36/24 47/13 7th [1] 66/20 accurate [2] 16/17 afternoons [1] 73/17
63/11 2009 [1] 25/24 64/6 again [5] 3/23 4/23
$250,000 [1] 24/18 2013 [1] 10/10 9 accused [6] 6/6 13/5 14/24 29/21 72/11
$250,723 [6] 21/17 2019 [10] 20/24 20/25 940 [11] 20/23 21/1 26/15 34/11 65/4 65/5 against [8] 6/9 17/7
21/23 26/6 45/6 61/6 21/1 21/4 21/7 25/1 25/1 25/5 25/7 25/10 ACH [1] 23/18 28/24 31/23 35/13 36/2
62/6 25/23 25/24 61/19 25/18 25/22 25/24 acknowledge [1] 56/5 64/15
$75,000 [3] 21/22 61/22 61/16 61/19 13/20 age [1] 34/25
62/12 62/15 2020 [6] 12/12 15/23 9954 [11] 10/17 15/22 acknowledged [1] agencies [1] 53/3
16/9 21/7 25/24 61/5 15/24 21/18 22/8 23/5 65/9 agency [1] 12/4
' 2021 [15] 15/12 16/3 23/11 23/18 23/22 26/7 acknowledgement [1] agent [1] 14/14
'04 [1] 36/25 21/17 23/6 23/16 23/17 27/6 18/17 ago [4] 20/3 37/16
'06 [1] 36/24 23/25 24/1 26/5 57/20 acknowledgment [1] 37/19 57/19
60/23 60/24 61/8 62/5 A 19/13 agree [1] 8/25
63/4 a.m [1] 67/17 act [10] 12/10 12/11 agreed [5] 23/8 24/3
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A amount [12] 14/4 application [31] 13/14 45/18 47/23 48/14 46/17 48/7
14/21 20/24 21/21 13/19 13/23 14/1 14/14 49/13 52/4 52/7 52/25 Baltimore [3] 1/7 1/25
agreed... [3] 58/1 62/8
21/22 22/17 24/18 14/15 14/16 14/19 54/13 56/24 57/5 57/5 11/4
67/22
26/10 26/24 27/1 48/25 15/14 15/20 15/21 57/11 57/14 57/16 58/2 bank [22] 10/14 10/23
agreement [31] 23/7
62/13 15/25 16/3 16/6 16/15 58/5 58/6 58/20 59/4 10/25 15/14 15/23
23/10 39/14 41/5 41/9
amounts [3] 16/21 20/20 21/19 22/4 22/9 59/10 59/11 59/11 61/6 21/18 21/24 24/7 24/8
41/12 41/17 41/21
22/14 22/20 24/21 24/25 25/6 25/10 62/4 63/18 64/9 65/16 25/1 25/7 26/6 27/19
41/22 42/1 42/1 42/10
angry [1] 33/10 25/20 26/12 27/25 61/9 67/12 69/13 70/23 71/3 27/25 61/1 61/9 61/25
42/11 42/12 42/13
annual [2] 20/23 61/17 61/13 61/16 61/24 62/9 71/6 62/1 62/6 63/19 63/24
42/18 45/5 45/18 47/8
another [11] 15/13 apply [4] 45/23 47/7 ask [6] 6/19 6/20 70/24
47/10 49/13 49/13
26/16 36/3 44/16 44/17 47/10 47/16 17/23 39/10 69/6 72/16 barrier [2] 6/23 7/1
49/21 52/14 53/10
44/22 44/23 44/24 48/2 appreciate [1] 34/17 asked [6] 8/2 19/10 based [4] 21/14 21/14
57/16 59/7 59/19 63/4
50/23 51/2 approach [4] 39/19 39/2 39/7 39/11 65/22 26/3 62/3
63/6 74/5
answer [3] 6/19 6/21 71/9 72/21 73/18 asking [2] 6/13 72/16 bases [1] 65/14
agrees [1] 71/21
36/1 appropriate [3] 48/21 assessment [1] 46/5 basic [4] 58/8 58/16
ahead [2] 73/2 73/6
answered [2] 8/1 8/1 50/11 70/1 assets [4] 28/5 28/10 58/23 58/24
Aid [2] 12/10 61/4
answers [2] 7/11 36/2 approval [1] 69/25 28/20 45/6 basically [1] 48/24
aided [1] 1/22
anticipate [1] 43/3 approved [2] 10/25 assigned [1] 3/16 basis [4] 25/9 59/5
all [53] 2/11 2/13 3/18
anticipated [1] 49/1 14/16 assignment [1] 31/3 59/8 70/1
5/23 8/1 8/2 8/3 9/11
any [65] 19/13 21/4 approximately [7] assist [2] 27/24 65/23 be [102]
9/13 10/8 13/11 16/16
21/6 21/6 22/15 24/4 21/17 21/20 21/23 26/6 assistance [5] 12/12 bears [1] 33/15
16/17 19/16 20/13 21/2
25/13 25/24 26/1 26/17 26/10 62/5 62/12 27/10 55/12 61/8 70/12 because [22] 17/13
22/14 22/19 23/22
28/7 28/10 28/11 29/14 are [66] 3/15 4/8 4/25 Assistant [2] 3/2 59/2 19/23 30/5 30/19 31/19
25/23 30/1 30/11 32/2
31/10 31/15 31/18 6/3 7/14 10/3 17/5 17/6 assisted [1] 15/13 32/4 33/12 33/13 33/16
33/15 37/7 40/3 46/21
31/18 32/4 36/1 36/16 17/9 17/21 17/23 22/10 assisting [1] 12/8 37/13 43/11 44/3 44/3
46/25 48/14 51/10 54/5
37/4 37/5 37/8 37/21 22/10 25/15 26/15 28/3 associates [5] 23/19 44/5 44/19 44/24 45/17
55/3 55/13 55/14 57/10
40/3 43/7 46/13 47/14 29/23 31/4 35/12 37/7 23/22 24/20 27/13 49/15 50/23 51/22 69/3
57/11 59/24 60/1 60/20
49/17 50/19 51/9 51/13 37/24 38/2 38/24 40/16 63/10 73/1
61/18 63/25 65/24 66/7
52/15 52/24 54/11 56/8 41/11 41/14 41/20 attach [1] 28/19 become [2] 8/12 70/20
67/18 67/21 68/21
56/18 60/14 61/12 41/25 42/19 43/10 attached [1] 41/21 been [62] 2/12 2/17
68/23 70/19 71/2 72/1
61/21 61/22 64/3 64/18 43/11 44/3 44/10 44/11 attachment [6] 40/15 2/21 3/13 4/11 4/13
73/16 74/20 74/23
66/9 66/20 66/25 67/7 45/22 45/23 46/20 40/16 59/7 59/10 59/19 4/19 6/6 6/8 8/8 9/1
allegations [2] 28/3
67/11 68/17 68/25 69/2 46/24 47/4 47/7 47/15 60/2 9/16 9/19 11/16 17/21
28/4
69/3 69/13 69/23 69/24 47/15 47/23 48/9 49/22 attempt [3] 24/6 24/8 18/16 19/18 20/4 20/9
alleged [4] 23/6 25/15
70/2 70/18 70/20 70/22 49/22 49/23 50/10 63/2 22/22 22/23 23/13
71/17 72/6
70/24 71/1 71/6 71/15 51/22 52/20 53/16 attempting [1] 24/10 25/10 25/19 28/12
allegedly [2] 28/18
73/25 57/15 57/23 60/1 60/9 attendance [1] 56/15 28/13 28/14 28/14
45/16
anybody [2] 32/21 62/19 64/3 64/5 67/4 attorney [17] 3/2 10/7 29/15 29/24 30/24
allow [3] 72/6 73/10
53/21 68/5 68/21 70/19 70/22 23/3 24/4 24/24 25/5 31/10 33/7 33/13 33/20
73/12
anyone [1] 43/7 70/24 70/25 72/16 27/4 27/23 31/6 38/15 35/4 35/8 35/15 36/7
almost [2] 29/3 33/7
anything [10] 13/9 areas [2] 2/12 2/14 41/6 50/5 53/4 59/2 37/4 38/7 39/13 39/14
along [5] 18/9 22/3
15/2 18/15 32/6 32/9 Arizona [1] 31/17 65/23 66/8 66/10 39/16 41/2 44/16 47/22
50/10 60/16 60/16
33/16 39/2 39/7 74/14 around [4] 12/11 attorneys [1] 49/10 48/15 48/16 48/17 49/9
already [6] 22/5 32/5
74/17 23/25 24/1 61/5 audible [1] 11/15 50/17 51/22 52/17
35/23 41/1 44/1 44/1
anywhere [1] 42/14 arraignment [3] 30/5 authorities [1] 69/2 52/18 65/4 67/19 67/21
also [11] 1/18 3/13
apart [2] 34/6 69/20 32/5 32/12 authority [1] 51/23 67/22 72/25 73/17 74/8
3/25 36/21 41/13 45/3
apologize [5] 3/7 5/22 arrest [2] 69/4 71/8 authorization [1] before [10] 1/11 2/20
64/24 64/25 67/11 69/6
33/19 33/20 73/15 arrived [1] 36/16 12/16 5/13 20/5 30/16 41/6
72/21
apparently [2] 2/9 artifice [1] 24/6 authorized [4] 13/14 50/24 55/3 66/9 66/19
always [3] 4/10 4/12
56/9
44/4 as [75] 3/11 3/19 4/10 13/20 13/24 23/10 beforehand [2] 7/25
appeal [8] 38/21 52/12 7/10 7/10 11/1 11/2 average [3] 13/25 16/1 20/6
am [10] 2/18 2/19 3/25
4/1 4/9 4/16 17/20
52/15 52/16 52/18 11/22 12/11 12/18 14/1 61/15 beg [4] 10/21 26/19
52/20 52/20 57/4 14/13 16/4 16/11 20/1 avoid [1] 70/19 39/5 46/2
29/25 41/24 46/23
appeals [1] 47/19 20/21 21/12 21/16 22/3 aware [2] 62/22 65/2 began [1] 30/13
Amendment [1] 55/19
appear [2] 63/2 69/13 23/13 25/1 25/9 26/4 awhile [2] 4/11 50/24 Beginning [3] 23/16
AMERICA [1] 1/3
appearance [9] 29/7 28/9 28/10 28/11 30/2 AYAZ [7] 1/6 2/3 10/9 23/25 60/23
American [10] 8/5 8/6
30/3 30/6 30/15 30/17 30/4 30/10 31/17 31/17 24/2 34/24 60/22 64/22 behalf [11] 1/14 1/16
8/8 8/13 8/13 9/14
32/3 32/4 32/7 32/14 32/4 35/18 35/23 39/16 3/2 3/20 14/14 21/16
36/22 44/2 44/4 53/2
applicable [2] 15/6 40/10 40/16 41/2 41/13 B 26/4 62/4 64/10 66/11
Americans [1] 12/13
62/22 42/4 43/4 43/4 44/10 back [4] 5/1 36/24 67/14
ammunition [1] 43/25
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (77)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 78 of 88
B C change [2] 69/23 comfortable [3] 17/20 confusing [1] 65/7
69/24 18/18 59/14 confusion [4] 25/13
behind [1] 2/18 calculate [1] 14/3
changed [1] 48/17 coming [1] 20/5 26/17 60/14 65/8
being [11] 2/5 8/24 calculated [1] 49/24
changes [1] 66/21 comments [1] 31/18 Congress [1] 53/1
9/21 20/21 30/4 34/17 calculation [1] 48/24
49/24 59/16 63/3 67/14 call [3] 56/19 59/2 Chapter [1] 24/4 commerce [2] 24/13 connection [5] 13/6
charge [14] 5/5 21/8 58/14 27/19 63/14 63/19 65/5
68/1 66/25
22/2 25/11 26/13 26/17 commingled [1] 28/14 consent [2] 6/11 15/15
believe [12] 5/9 7/18 called [2] 10/11 51/24
30/21 35/4 35/8 35/10 commit [3] 24/4 58/1 consequences [3]
9/13 10/22 11/20 17/10 calling [1] 2/2
35/13 44/3 58/8 69/20 64/9 46/21 46/25 65/3
19/6 41/13 42/9 66/16 CAME [1] 1/10
charged [11] 2/5 8/24 committed [2] 5/10 consider [2] 48/13
68/18 72/7 can [27] 2/21 5/4 7/12
15/12 21/1 21/3 21/14 7/18 48/14
belonging [1] 26/7 8/14 12/23 17/2 18/9
34/6 35/15 57/24 58/2 committing [1] 13/5 considered [2] 47/23
below [1] 61/7 28/19 31/18 33/3 33/8
65/15 common [2] 36/19 56/8
bench [5] 33/24 71/9 34/7 35/6 37/1 42/23
charges [14] 6/9 9/17 58/1 considering [1] 59/3
72/14 73/18 74/11 49/3 50/3 52/5 53/2
10/6 10/7 17/9 17/21 communicate [1] consisted [1] 23/23
benefit [3] 24/19 24/19 56/24 56/25 59/11
17/23 17/25 28/23 27/24 consists [1] 5/8
44/13 64/25 67/10 68/6 68/8
30/18 31/23 38/14 communication [2] conspiracy [17] 9/25
benefits [1] 44/10 69/4
54/11 65/2 58/13 58/15 24/16 24/22 25/3 25/21
BENNETT [2] 1/11 3/8 can't [4] 17/12 18/24
charging [4] 9/24 10/1 communications [1] 26/2 26/8 26/21 27/2
best [4] 20/17 33/8 30/12 32/21
20/11 32/16 24/13 27/8 27/18 27/21 32/17
34/2 36/24 cannot [9] 28/11 28/17
check [15] 15/22 communities [1] 12/9 43/14 57/15 57/23
better [1] 9/5 37/20 39/24 39/24 40/1
22/11 22/11 22/12 community [5] 5/8 65/18
between [3] 14/8 51/18 52/16 52/18
22/12 22/12 22/13 53/16 54/6 68/7 68/19 Conspirator [1] 11/3
41/22 42/2 capable [3] 22/17
22/13 22/13 22/17 23/2 company [2] 11/6 conspired [3] 24/3
beyond [3] 28/13 64/23 64/24
23/4 26/16 27/5 61/25 13/16 24/24 60/25
54/25 56/9 capacity [1] 61/12
checked [1] 71/23 compel [1] 56/15 constitute [1] 29/14
binding [1] 42/20 care [1] 70/14
checks [13] 22/7 competent [4] 37/25 constituting [1] 28/8
birth [1] 36/9 careful [1] 9/5
22/10 22/10 22/20 64/23 64/24 65/12 Constitution [1] 55/19
bit [1] 2/6 carefully [4] 39/25
22/25 23/4 26/23 26/25 complete [2] 41/22 constitutional [3]
blank [3] 23/2 27/1 57/17 60/10 72/18
27/4 62/11 62/13 62/15 42/1 47/11 47/14 47/23
62/14 CARES [6] 12/11
62/15 completed [1] 14/13 consult [1] 47/17
Booker [2] 47/13 48/4 12/15 18/2 57/22 61/5
choice [1] 31/6 completely [1] 5/21 contact [1] 70/19
boosted [6] 2/17 3/3 65/6
circumvent [1] 25/7 compliance [1] 46/11 contained [4] 16/6
3/14 3/25 4/14 4/15 carrying [1] 58/12
citizen [8] 8/5 8/6 8/8 complicated [2] 7/13 20/14 57/15 61/13
born [2] 35/1 60/22 case [27] 2/3 3/16
8/13 8/13 9/14 44/2 17/24 continue [8] 18/9
borrower [1] 14/20 9/19 18/3 19/6 19/20
44/4 comply [1] 71/2 18/24 20/16 20/17
borrowers [1] 25/8 30/4 30/4 31/11 38/18
citizens [2] 5/8 53/2 Computer [1] 1/22 20/18 30/12 54/10
both [10] 3/17 3/18 38/22 39/14 43/8 47/12
citizenship [1] 36/23 Computer-aided [1] 54/12
29/17 50/2 50/9 50/18 48/4 48/21 50/4 50/16
City [1] 11/7 1/22 continuing [4] 18/12
52/14 52/20 57/4 66/8 52/7 53/3 53/6 54/18
civil [1] 43/20 concern [1] 6/21 23/16 23/25 60/23
bottom [1] 72/8 55/4 57/3 64/7 64/22
clear [3] 9/23 30/19 concerned [1] 17/8 contractors [1] 16/11
bound [1] 47/16 71/16
49/9 concerning [2] 33/25 contrary [1] 22/24
box [1] 71/22 cases [1] 7/14
clearly [2] 7/9 19/15 63/16 controlled [3] 27/5
Brady [2] 29/10 29/15 cause [6] 5/6 5/7 5/9
clerk [7] 9/6 30/1 concerns [1] 6/14 62/2 62/18
branch [1] 12/3 6/16 7/18 24/12
32/25 32/25 56/20 concluded [1] 74/25 convicted [5] 38/21
Bring [1] 74/10 caused [2] 12/13
56/21 66/16 concludes [1] 74/20 44/16 44/22 55/4 55/9
burden [2] 56/8 56/10 58/14
clerk's [4] 39/18 42/6 condition [2] 71/13 conviction [4] 44/6
business [31] 10/11 caution [1] 60/8
70/3 70/15 71/20 44/12 44/19 44/25
10/15 11/1 11/5 11/7 cease [1] 31/18
11/9 12/3 12/6 13/13 certain [15] 12/17 client [6] 8/5 17/1 conditions [11] 31/13 cooperating [1] 33/25
37/25 41/22 73/19 74/3 46/12 46/16 48/9 67/18 copy [9] 38/7 38/8
13/15 13/20 13/23 14/23 15/1 15/10 15/20
4/16 7/22 67/20 68/5 68/15 68/20 40/9 42/9 42/10 47/8
13/24 14/4 14/13 14/19 28/4 43/20 44/5 45/4 client's [2]
close [1] 70/3 68/21 71/7 51/6 51/7 59/15
14/23 15/1 15/8 20/21 45/6 46/11 53/2 57/20
coconspirator [1] conference [2] 33/24 Coronavirus [1] 61/4
21/7 23/15 23/24 26/12 62/20 63/1
60/25 75/10 Coronovirus [1] 12/10
61/3 61/10 62/20 62/24 CERTIFICATE [1] 75/1
Code [6] 24/5 24/15 conferring [3] 13/1 Corporation [1] 10/15
63/13 70/3 71/17 certifications [1]
32/18 43/15 65/18 68/3 17/1 74/3 correct [12] 4/18 6/12
business is [1] 71/17 13/21
come [3] 36/11 48/7 confirm [1] 6/18 8/10 29/4 30/7 30/22
businesses [4] 12/5 Certified [1] 75/4
56/24 conformance [1] 31/4 31/5 35/19 38/8
12/8 12/16 14/2 certify [2] 16/7 75/6
comes [3] 32/24 48/24 75/10 60/12 75/7
chance [4] 19/7 19/9
51/9 confused [1] 8/17 corrections [1] 51/9
19/14 22/15
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (78)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 79 of 88
C 21/25 22/23 29/1 30/14 deletion [1] 47/14 DISTRICT [7] 1/1 1/1 economic [6] 12/8
31/20 32/13 32/16 38/6 demand [1] 33/12 10/7 24/1 60/24 75/5 12/10 12/13 12/19
correctly [1] 4/16
49/14 49/15 56/10 depart [1] 51/23 75/6 12/20 61/4
correspondence [1]
57/18 58/2 64/15 65/17 Department [1] 53/5 DIVISION [1] 1/2 economy [1] 12/7
63/15
68/5 deportation [1] 44/3 do [124] effect [1] 67/16
cost [1] 15/5
cross [3] 33/14 55/14 Deposit [1] 10/15 doctor [1] 37/12 effects [1] 12/13
costs [1] 62/20
55/24 deposited [3] 23/4 document [21] 6/17 eight [2] 26/23 62/11
could [19] 9/14 27/16
27/5 62/15 8/23 8/24 9/7 9/18 either [9] 31/11 41/5
33/4 36/2 43/2 44/18 cross-examination [1]
55/24 deposits [1] 63/24 11/25 17/15 17/25 20/1 50/20 51/7 51/8 51/24
44/24 45/11 46/16
depression [4] 37/6 25/16 33/12 33/12 34/6 66/20 66/21 67/1
49/14 51/14 55/3 55/23 cross-examine [1]
55/14 37/10 37/11 37/15 42/18 59/16 59/18 60/5 elected [1] 55/19
55/24 56/4 56/19 57/4
CRR [2] 1/23 75/16 deprive [1] 43/20 60/7 60/15 69/12 74/8 electronically [1] 16/4
72/18 72/25
currency [1] 45/6 derived [1] 28/8 documentation [3] element [1] 58/7
counsel [20] 2/20 2/24
current [6] 29/18 41/5 described [2] 57/10 14/2 25/8 27/15 elements [6] 57/14
11/23 13/1 17/1 29/15
71/16 71/17 72/5 73/3 61/7 documents [9] 15/20 57/22 58/8 58/16 58/24
29/17 29/18 29/20
37/7 designated [2] 15/9 16/16 17/25 20/11 65/15
29/20 29/21 31/2 31/3 currently [1]
62/25 31/10 58/6 58/18 58/19 eligible [4] 13/22 14/4
55/13 55/25 59/15 D designed [1] 12/12 61/23 15/8 62/23
65/12 66/25 68/8 74/3
dangling [1] 33/4 desire [1] 66/25 does [6] 17/10 59/23 eliminates [1] 68/25
count [9] 2/5 9/22 9/24 DANIELLE [3] 1/18
desires [1] 43/4 68/17 69/7 70/6 70/7 elocution [2] 19/9
32/16 35/16 35/18 38/6
3/8 65/21 desk [2] 39/18 42/6 doesn't [5] 9/15 17/15 19/14
64/15 65/17
data [1] 14/19 detail [1] 61/7 18/8 68/6 74/1 else [2] 3/7 74/17
country [3] 8/7 8/12 date [3] 19/21 66/14 determination [5] 5/5 doing [6] 10/15 11/7 elsewhere [1] 24/2
36/9
67/8 5/6 6/16 18/23 20/17 19/10 22/15 39/4 39/6 email [2] 63/15 63/24
course [2] 14/18 68/2 dated [2] 15/23 75/12
determine [4] 30/12 dollar [4] 26/9 26/15 emergency [1] 12/12
court [42] 1/1 2/11 Davis [7] 9/12 9/20 50/10 50/15 68/5 27/1 46/4 employ [1] 31/2
3/22 5/12 6/8 7/9 10/4
19/25 34/19 35/22 determined [1] 51/22 don't [27] 2/22 4/5 employed [2] 23/15
10/4 10/19 17/11 19/8 66/17 74/12
determines [2] 7/17 4/23 5/17 6/1 6/14 6/19 63/14
20/5 22/24 28/13 29/8
day [6] 30/13 50/23 71/14 7/5 13/10 15/2 17/13 employee [2] 21/4
33/23 39/13 42/13
51/2 67/5 74/22 75/12 determining [1] 5/9 17/18 18/9 18/11 19/13 26/1
46/12 47/4 47/5 47/12
days [2] 20/3 37/19 devised [1] 58/4 19/21 29/21 31/10 employees [23] 14/1
48/3 48/4 56/21 56/21
debits [1] 23/18 dictation [1] 72/18 33/11 33/11 36/8 36/25 14/22 16/1 16/10 20/25
60/9 64/19 64/21 65/1
December [5] 23/17 did [13] 24/11 25/24 50/24 52/6 70/14 73/16 21/2 23/10 23/12 23/13
65/11 65/22 66/16 24/1 60/24 66/19 66/23 36/6 36/11 36/16 36/22 73/22 23/14 23/20 25/23
66/24 67/2 68/6 69/13
December 15 [1] 41/1 41/4 41/8 55/23 done [8] 33/14 39/3 27/12 58/6 61/11 61/14
70/10 71/14 74/22
23/17 61/21 64/9 68/8 39/8 39/10 65/25 66/1 61/19 61/22 63/6 63/9
74/23 75/5
December 2021 [2] didn't [4] 13/2 30/19 68/10 68/12 63/13 63/16 63/17
Court's [8] 5/16 12/24 24/1 60/24
33/12 33/14 dot [1] 33/14 employer [1] 71/16
16/25 40/18 51/4 59/5
decided [1] 56/3 difference [1] 14/8 doubt [2] 54/25 56/10 employer's [2] 20/23
59/8 74/6
decision [1] 54/6 different [2] 22/14 down [9] 2/21 4/22 61/16
courthouse [2] 2/12 decline [1] 55/18
51/14 6/24 7/4 7/11 9/6 37/12 employers [2] 72/5
2/14
defendant [29] 1/6 difficulties [1] 67/6 72/25 73/1 73/4
courtroom [6] 32/19 1/16 2/5 2/20 3/20 10/9 diminished [1] 28/14 draft [1] 66/16
32/21 32/22 33/1 44/23 20/4 22/24 24/2 24/23 employing [2] 14/8
direction [1] 63/7 drawn [6] 5/8 22/8 14/9
56/25
29/11 30/5 33/13 33/25 directives [1] 71/3 22/11 23/5 27/6 62/17 Employment [1] 61/17
courtrooms [1] 2/15 34/20 34/22 35/13 directly [2] 28/8 62/16 driver's [2] 15/22 enacted [2] 12/11 61/5
courts [1] 47/18 56/10 60/22 60/25 disaster [2] 12/19 61/25 end [1] 33/4
cover [1] 32/7 64/22 65/2 65/8 65/16 12/20 drugs [2] 37/5 37/8 ending [1] 10/16
COVID [5] 12/14 12/20 66/5 67/8 67/22 68/6
13/6 18/2 71/3 disasters [1] 12/9 Due [1] 29/11 enforcement [1] 69/2
68/18 discovery [2] 29/19 during [2] 21/3 61/22 engaged [2] 61/1
COVID-19 [5] 12/14
defense [9] 29/15 53/3 63/15
12/20 13/6 18/2 71/3 29/17 29/18 29/20 50/5 discretion [1] 2/15 E English [15] 7/23 8/4
creation [1] 27/15 55/13 55/20 56/16 69/5 discuss [2] 20/7 41/4 each [18] 16/7 22/16 8/9 8/12 9/15 9/17
credit [3] 48/25 52/6
defraud [18] 24/7 discussed [4] 38/14 22/17 23/1 23/3 23/4 36/16 36/19 37/1 38/3
70/25 24/11 24/15 24/16 23/4 23/12 26/24 26/25 60/12 60/12 64/25
38/17 63/22 67/22
crime [6] 5/5 10/1 24/22 25/4 25/22 26/3 dispute [2] 49/22 27/4 27/4 27/5 27/24 64/25 65/1
44/16 44/23 58/2 64/9
26/9 26/22 27/3 27/9 49/23 48/11 62/13 62/15 enough [1] 52/18
criminal [30] 1/5 2/3 27/19 27/22 28/9 58/4 distraction [1] 5/18 65/14 enrich [1] 24/17
2/6 4/25 5/12 7/14 8/25 58/7 61/1
distributed [4] 21/18 earlier [2] 38/10 57/19 ensure [1] 29/12
9/22 9/24 10/3 11/14
delay [2] 2/6 74/21 21/24 26/6 62/6 easier [1] 72/21 entered [2] 42/18
11/16 11/21 19/23
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (79)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 80 of 88
E feels [1] 50/4
35/4 35/8 44/1 53/21 frankly [1] 67/5 71/10 73/2 73/6 74/13
53/24 felony [3] 43/15 44/6 fraud [12] 9/25 13/5 going [45] 6/20 6/21
entered... [1] 45/11
44/12
explicitly [1] 57/15 32/17 43/14 57/14 6/21 7/4 9/23 11/24
entering [2] 57/9
64/23 Fifth [1] 55/18
expose [2] 49/4 49/5 57/23 58/2 63/22 65/4 13/12 14/24 17/14
extent [1] 28/17 figures [2] 14/3 25/9 65/5 65/10 65/18 17/19 18/18 18/19
entire [6] 11/13 30/21
file [4] 9/20 25/24 66/9 fraudulent [10] 21/15 20/16 20/18 22/15
39/24 40/1 42/18 74/5 F
66/23 24/9 24/21 26/3 58/19 22/16 30/11 30/25
entirety [1] 59/10 fabricated [3] 25/5 filed [12] 5/1 5/15 9/1 61/2 61/9 62/3 62/9 31/21 33/7 34/1 34/3
entitled [4] 1/10 28/15 25/22 61/16
11/25 19/24 21/6 25/11 62/16 34/4 39/25 48/8 50/22
30/15 75/9
face [8] 13/6 34/7 44/3 25/19 30/2 64/15 74/11 fraudulently [7] 24/17 50/23 50/24 51/18 53/9
entrepreneurs [1] 44/18 45/3 45/10 57/21 74/13 25/16 26/16 28/18 54/20 57/16 60/5 60/9
12/5
65/6 fill [1] 17/2 45/13 45/16 61/6 60/15 60/15 65/21
entry [1] 32/4 facilitate [1] 27/15 filled [1] 27/1 fraudulently-obtained 66/14 69/1 70/15 72/15
ESQUIRE [2] 1/15 fact [10] 21/3 23/14 financial [6] 10/14 [1] 26/16 72/17 73/1 73/19 73/25
1/17
23/14 25/23 29/8 37/21 10/23 11/5 12/12 24/7 Freedom [1] 52/25 gone [2] 8/2 33/6
essential [1] 65/14 41/18 43/11 63/14 64/9 61/1 freely [1] 43/10 good [5] 2/2 3/1 3/5
Essentially [1] 69/24 factors [1] 47/23
find [2] 64/24 64/25 front [6] 19/22 34/10 3/21 52/6
establish [2] 28/1 59/5
facts [12] 17/14 20/8 finding [2] 9/13 64/21 44/23 47/8 47/9 53/21 got [2] 19/20 68/13
established [1] 27/10 20/10 20/12 40/16
finds [2] 65/1 65/11 fully [9] 2/17 2/21 3/13 gotten [1] 29/21
establishing [1] 27/14 48/12 56/4 59/3 60/2
fine [3] 3/18 33/1 4/13 4/19 38/14 38/24 government [32] 3/2
establishment [1] 64/4 64/7 65/14 45/21 64/23 64/24 5/4 12/4 28/19 29/9
12/7
factual [3] 40/17 59/5 finished [1] 50/24 fundamental [1] 22/18 29/13 32/7 39/16 41/23
estimate [1] 51/14 59/8 firearm [1] 43/24 funded [8] 14/16 42/2 43/4 44/11 50/3
even [4] 20/11 30/6
fair [4] 18/3 18/5 18/6 first [6] 4/24 5/2 12/24 21/17 21/21 21/21 22/6 50/4 50/18 52/14 52/16
30/13 38/21 52/19 16/9 40/5 68/17 26/5 62/5 62/10 52/17 53/2 54/24 55/25
eventually [1] 31/12 fairness [1] 59/12
five [1] 45/21 funding [1] 21/13 56/9 56/24 57/21 58/6
ever [3] 11/13 11/16
false [17] 21/15 24/9 flight [3] 68/7 68/18 funds [10] 16/12 23/23 59/4 60/4 64/10 67/8
72/15 24/24 24/25 24/25 25/5 68/25 26/16 28/5 62/10 62/16 68/17 68/22 74/15
every [5] 17/12 18/12 25/7 25/10 25/15 25/18
Floor [1] 1/24 63/3 63/8 63/9 63/12 Government's [2]
33/4 33/23 60/16
26/3 34/7 36/3 58/5 follow [1] 69/6 further [21] 15/12 41/2 42/5
everyone [1] 2/2 61/20 62/3 62/9 following [3] 10/6 17/19 20/18 21/12 25/3 grand [5] 5/7 7/14
everything [2] 8/4 falsely [2] 36/2 61/18 16/7 22/7 25/21 26/2 26/8 26/21 7/17 7/21 8/25
39/10
falsified [2] 20/22 21/1 follows [1] 14/13 27/2 27/8 27/18 27/21 great [1] 65/3
evidence [3] 20/1 far [4] 8/18 11/11 force [1] 43/8 32/6 32/9 32/10 53/5 guaranteed [1] 14/17
38/18 42/19 33/21 36/6 foregoing [1] 75/7 57/8 58/12 65/1 74/14 guess [1] 39/10
exact [1] 19/21
Fargo [5] 10/14 62/1 foreign [1] 24/13 furthermore [1] 65/11 guidance [1] 15/7
exactly [1] 36/25 62/6 62/17 63/8 forfeit [1] 28/7 future [2] 32/24 44/23 guideline [6] 48/5
examination [2] 55/24 fashion [1] 18/25
forfeiting [1] 28/4 48/13 48/23 49/22
70/22
fault [2] 33/11 33/15 forfeiture [5] 28/3 28/3 G 50/16 51/21
examine [1] 55/14 February [6] 10/10 Gall [1] 48/3
28/16 45/3 45/5 guidelines [12] 47/7
example [3] 13/22 15/23 16/9 48/17 66/15 forgivable [1] 12/16 gather [1] 29/13 47/10 47/11 47/15
14/9 44/10
67/16 forgiven [2] 27/17 gave [2] 52/19 61/23 47/17 47/22 48/20 49/4
exchange [1] 26/11 February 15 [1] 16/9 general [2] 2/14 48/19 49/23 51/22 51/23
63/21
exculpatory [1] 29/11 February 2 [1] 66/15
forgiveness [2] 15/8 generally [2] 18/5 47/3 51/25
execute [4] 24/6 24/6
February 27 [1] 10/10 62/24 get [10] 8/18 17/14 guilt [5] 17/15 54/6
24/11 64/1
February 29 [1] 15/23 form [15] 6/5 13/23 31/12 33/3 33/12 36/6 54/25 56/9 65/9
executed [1] 63/22 February 2nd [2] 46/14 52/6 67/18 74/11 guilty [46] 1/10 7/4
20/22 21/1 25/1 25/5
executing [1] 24/10 48/17 67/16 25/7 25/10 25/18 25/22 getting [2] 2/7 59/24 18/17 18/19 31/25
executive [1] 12/3 federal [25] 1/24 5/11 25/24 29/6 31/13 61/16 give [5] 51/6 51/7 32/15 33/23 34/2 34/16
Exhibit [3] 39/16 41/2 10/4 10/15 12/11 20/23 56/19 56/20 59/15
61/19 35/17 35/18 37/25 38/3
42/5
26/1 30/14 31/20 44/11 format [1] 75/9 given [4] 29/15 38/25 40/18 42/25 43/8 43/10
Exhibit 1 [3] 39/16 44/13 46/17 47/4 47/16 forms [4] 16/11 16/16 51/15 57/10 43/11 43/14 43/18
41/2 42/5 48/5 48/19 49/5 52/4 58/20 58/21 giving [1] 48/25 43/19 45/17 46/22 47/1
expansion [1] 12/18 52/9 61/17 61/21 68/4 Fort [1] 10/24 glass [1] 59/25 53/4 54/11 55/7 55/7
expected [2] 21/20 68/4 71/2 75/16 forth [5] 39/14 41/22 glasses [2] 59/21 60/1 55/8 57/4 57/5 57/9
22/5
federally [1] 10/23 42/1 57/23 65/17 go [21] 17/19 18/9 59/6 59/9 64/12 64/16
expenses [8] 12/17
federally-insured [1] found [6] 47/11 47/13 22/3 30/11 36/8 39/25 64/16 64/17 64/19 65/3
13/25 14/3 14/23 15/1 10/23 50/25 51/7 53/9 53/11 65/9 65/11 65/16 65/17
55/6 55/7 55/8 57/4
15/11 62/20 63/1
feel [1] 37/19 four [2] 37/16 37/19 56/3 57/16 59/12 67/23 72/12 72/13
explain [2] 22/3 47/3
feeling [1] 37/13 fourth [1] 58/7 68/13 68/13 69/10
explained [6] 9/16
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (80)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 81 of 88
H hearing [6] 5/11 31/7 72/12 16/5 20/25 21/4 21/5 initial [10] 29/7 30/3
66/10 66/12 66/25 hour-and-a-half-long 21/16 22/9 22/11 23/9 30/6 30/15 30/17 32/3
half [1] 72/12
74/25 [1] 72/12 23/12 23/14 25/6 25/20 32/4 32/7 32/14 66/18
hand [5] 34/21 59/18
held [6] 30/16 32/3 hours [1] 37/22 25/24 26/5 26/7 27/9 initialed [1] 21/14
70/15 70/15 73/2
47/22 48/4 69/1 75/8 housing [2] 44/11 27/12 27/14 27/20 28/2 initials [1] 16/7
handled [1] 33/21
helpful [1] 68/8 44/13 61/2 61/10 61/11 61/14 injury [2] 12/20 12/20
handwriting [1] 72/23
her [5] 10/20 48/8 how [13] 8/18 17/13 61/21 62/1 62/5 62/17 innocence [3] 18/14
happen [1] 19/15
50/20 65/23 65/24 17/19 18/9 19/18 20/17 63/6 63/10 63/14 63/20 54/7 56/11
happening [1] 7/6
here [58] 2/6 3/6 3/7 33/20 36/6 47/3 49/23 Inc.'s [1] 61/18 innocent [1] 54/24
Happy [1] 29/20
3/11 4/7 4/8 4/24 5/2 53/13 64/14 72/3 incarceration [1] inquire [1] 2/19
hardly [1] 34/16
5/3 5/13 6/17 7/5 8/19 However [1] 56/3 46/13 instant [4] 71/18 72/6
harsh [2] 43/4 52/18
10/4 10/19 11/3 11/25 include [2] 12/19 73/7 73/9
harsher [1] 44/24
12/2 15/13 17/9 20/1 I 33/24 institution [4] 10/14
has [56] 2/12 4/11
20/17 22/24 30/3 30/20 I'd [2] 9/6 72/22 included [2] 15/21 10/23 24/7 61/1
7/10 7/18 7/25 9/1 9/16
31/12 32/4 33/2 33/15 I'll [13] 3/19 7/3 20/17 20/22 Insurance [1] 10/15
9/16 11/16 11/19 17/13
34/2 34/16 34/17 42/18 34/15 47/5 48/14 50/15 including [11] 14/20 insured [2] 10/14
18/16 20/9 21/5 21/6
44/6 44/19 44/25 46/5 59/2 66/8 67/15 72/23 15/5 15/21 24/25 27/12 10/23
22/23 22/24 28/12
47/7 48/7 48/10 48/15 74/11 74/12 38/18 45/6 61/14 61/24 intent [1] 58/7
28/13 28/13 28/14
50/12 52/21 53/12 58/8 I'm [57] 3/3 3/6 3/7 3/8 62/20 63/10 interest [4] 15/6 15/7
29/12 29/15 29/21
60/9 65/10 65/21 65/22 3/10 3/17 6/13 6/18 7/3 income [2] 26/1 61/21 62/21 62/22
29/24 30/5 33/6 33/20
66/17 67/6 67/15 67/20 7/4 8/16 9/13 9/15 9/17 incorporated [7] interject [1] 11/21
35/4 35/7 39/3 39/8
69/20 72/9 72/25 74/10 9/23 13/12 14/24 17/8 10/11 10/12 10/13 intern [2] 32/23 34/15
39/10 39/13 39/14 18/14 18/16 18/18
74/21 10/13 20/21 23/20 25/2 Internal [1] 20/22
39/16 41/13 42/10 43/7
75/6 18/18 18/24 18/25 increasingly [1] 19/1 internet [1] 63/24
49/9 50/17 51/22 53/10 hereby [1] 20/10 20/11 20/11 22/1 incrimination [1]
herein [1] 63/23 Interruption [1] 51/3
53/21 65/3 65/8 66/16 22/1 22/2 22/3 22/16
hesitation [1] 19/12 31/17 interstate [4] 24/13
66/20 67/19 67/21 70/4
him [38] 8/2 9/7 9/16 30/25 31/24 32/19 indeed [1] 11/22 27/23 58/13 63/25
70/5 70/8 70/9 72/14
9/18 9/23 10/19 11/22 32/23 32/24 33/1 33/10 independent [4] 16/11 interview [1] 66/4
74/8
17/4 17/7 17/20 17/22 34/3 37/13 37/13 39/24 59/5 59/8 65/14 interviewed [1] 68/9
hasn't [1] 33/13 40/20 44/9 51/9 51/18 indicated [8] 21/1 22/5 introduced [1] 42/4
19/11 19/12 19/14
have [128] 57/16 59/14 65/8 67/7 22/24 30/22 40/8 44/2 investigation [10]
19/19 26/23 35/13
haven't [4] 4/3 26/24
38/18 39/2 39/7 39/11 67/25 72/15 72/17 73/1 61/18 71/6 48/11 48/12 50/17
30/13 42/13
39/24 56/22 59/18 73/19 74/21 indicates [2] 6/5 74/5 50/20 51/6 53/6 65/20
having [2] 32/13 32/13
60/16 60/17 67/25 68/9 I've [20] 8/2 9/18 9/18 indictment [14] 2/8 66/9 66/13 70/21
he [54] 7/24 8/3 8/4 11/11 12/21 15/2 17/21 5/7 5/14 5/14 6/5 6/11 involved [2] 19/20
68/13 69/10 71/10
8/4 8/4 8/6 8/13 9/14
71/14 73/19 73/20 19/10 22/5 30/21 31/11 6/17 8/23 9/8 9/19 9/21 48/25
9/14 9/17 11/23 17/2
73/21 73/21 73/22 74/5 35/23 36/7 39/21 44/1 19/24 19/25 57/25 involves [1] 46/11
17/8 17/10 17/13 17/15 52/17 68/13 71/6 72/13 indirectly [2] 28/9
18/8 19/6 19/8 19/9 himself [1] 24/17 IRS [14] 21/5 25/1
his [34] 5/17 9/7 9/16 74/4 70/19 25/5 25/7 25/10 25/11
19/13 20/6 20/7 38/3
10/17 10/19 15/22 idea [1] 67/21 individual [6] 5/5 5/10 25/15 25/18 25/19
39/3 39/4 39/8 39/10
21/19 22/4 22/9 23/19 identified [1] 23/13 15/13 21/13 22/6 26/17 25/22 25/25 25/25
40/10 41/12 41/14
23/21 23/24 24/19 identify [1] 2/24 individuals [1] 23/13 61/16 61/19
41/14 41/15 51/18
24/20 27/13 35/5 38/25 identifying [2] 14/21 indulgence [4] 5/16 is [158]
56/20 56/22 59/23
46/21 56/11 60/25 61/7 71/1 12/25 16/25 51/4 issuance [1] 71/7
62/11 64/1 64/25 65/4
61/24 62/8 63/10 63/10 illness [1] 37/5 ineligible [1] 44/12 issue [1] 56/21
65/12 67/13 68/1 68/9
63/13 64/1 65/3 65/9 immediate [1] 71/7 influence [1] 37/8 issued [2] 44/11 69/4
69/8 70/4 70/5 70/6
65/11 67/14 70/4 70/7 immigration [1] 8/11 information [42] 2/6 issues [1] 49/22
70/7 71/15 74/1 74/5
71/17 impeachment [1] 4/25 6/11 9/1 9/22 9/24 it [127]
74/5 55/24
history [2] 49/14 10/8 11/4 11/14 11/16 it's [46] 4/10 4/11 5/25
he'll [3] 19/6 19/8 51/7 important [3] 49/14
49/15 11/21 14/20 16/15 6/1 6/15 6/23 7/1 8/23
he's [20] 7/25 8/1 8/7
hold [4] 5/2 27/7 46/9 52/13 59/9 16/16 16/18 16/19 9/7 9/22 9/24 10/1
8/8 8/8 9/13 19/10
73/5 importantly [1] 38/2 16/20 17/4 17/6 19/23 13/16 17/4 17/24 18/5
22/17 38/25 39/6 39/9
impose [2] 43/2 51/23 20/14 21/25 22/23 29/1 19/12 19/13 21/14
60/15 64/24 65/4 65/5 homeschooling [1]
36/7 imposed [2] 51/14 29/10 32/13 32/16 35/3 22/22 28/6 28/6 30/4
65/9 65/9 67/13 73/21 69/14
Honor [181] 35/7 35/16 35/19 38/6 30/5 30/12 30/17 30/19
74/6
HONORABLE [3] 1/11 imposing [1] 47/18 52/25 53/2 53/5 57/18 32/16 33/1 33/11 33/12
headquartered [2]
17/11 74/23 imprisonment [3] 6/7 58/2 61/20 64/15 65/17 33/13 33/15 33/16 40/8
10/24 11/6 45/20 49/16
hope [1] 34/16 65/22 71/1 48/17 50/23 50/24 52/5
health [1] 71/3 improperly [1] 18/1
Hopefully [1] 6/2 informed [5] 17/4 19/5 52/12 59/9 71/24 72/7
hear [4] 19/8 48/8 50/9
hour [3] 33/8 57/19 Inc [34] 15/15 15/25 19/10 19/14 64/23 73/1 73/17 74/13
55/13
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (81)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 82 of 88
I knew [1] 58/3 licenses [1] 44/5 maintained [1] 10/13 matters [2] 48/14
know [15] 2/10 6/1 lie [1] 34/5 make [26] 3/19 13/21 57/20
items [2] 15/9 62/25
8/15 8/16 17/13 17/18 lies [2] 58/20 58/21 16/13 18/23 19/9 19/14 maximum [4] 45/19
its [7] 13/20 13/24
18/9 29/21 32/25 32/25 light [1] 67/5 20/17 22/1 23/11 29/14 45/21 45/22 45/23
13/25 14/17 21/5 23/9
37/20 59/11 64/18 like [6] 8/15 9/6 36/8 30/17 31/15 31/22 34/4 may [12] 3/22 4/22
29/9
71/17 72/14 70/12 72/20 72/22 34/11 51/9 54/6 59/3 5/10 7/24 11/20 39/19
itself [1] 5/4
knowing [1] 65/13 line [6] 8/2 8/3 8/23 59/14 63/2 65/4 66/21 59/1 60/20 67/24 69/5
J knowingly [4] 24/2 20/8 20/8 72/9 67/10 69/3 69/8 72/21 70/20 71/7
January [4] 47/13 24/5 24/11 58/4 lines [1] 70/24 makes [1] 44/12 me [39] 2/10 2/20 5/13
48/17 67/2 67/8 knowledge [2] 8/1 listed [6] 3/6 20/21 making [5] 9/13 23/12 6/13 6/14 6/21 7/25
Jersey [1] 10/24 15/15 26/24 28/6 28/6 30/4 27/11 31/18 36/3 9/23 11/21 12/24 17/3
job [1] 12/16 known [10] 11/2 12/11 listen [1] 60/9 man [2] 17/21 22/2 18/16 19/10 19/22 20/7
jobs [1] 44/5 23/2 24/3 24/23 25/4 literally [1] 29/2 mandatory [2] 47/14 22/22 30/19 30/22 32/7
join [1] 69/5 27/3 27/22 31/17 52/25 little [2] 2/6 37/6 47/16 33/15 33/16 34/5 34/7
joined [1] 58/3 loan [66] 12/19 13/13 manner [1] 57/25 34/10 37/12 39/10
L 13/14 13/19 13/22 manually [1] 16/4 42/19 42/20 44/2 47/3
JR [2] 1/17 3/22
lack [1] 19/13 13/22 14/1 14/15 14/17 March [11] 12/12 51/9 60/11 68/8 72/11
judge [7] 2/16 3/8 3/17
language [4] 6/23 7/1 14/18 14/19 14/21 15/12 16/3 21/17 23/25 72/17 72/19 72/20
30/16 32/23 34/15
36/19 37/2 14/22 14/25 15/7 15/8 26/5 57/20 60/23 61/5 72/23 74/5
44/24
last [5] 2/18 37/14 15/10 15/14 15/21 61/8 62/5 mean [2] 17/12 17/19
judges [2] 47/16 48/5
37/22 51/9 72/8 15/25 16/3 16/6 20/20 March 14 [3] 15/12 meaning [1] 47/6
judgment [1] 49/17
late [1] 30/12 21/13 21/17 21/19 57/20 61/8 means [14] 24/8 24/12
Judicial [1] 75/10
later [2] 36/2 50/20 21/21 21/21 22/4 22/6 March 2020 [2] 12/12 28/17 34/5 34/12 42/17
July [1] 23/16
laughing [1] 33/4 22/9 23/23 24/18 24/21 61/5 47/15 47/22 49/23
July 2 [1] 23/16
Laughter [1] 33/5 24/25 25/1 25/6 25/10 March 2021 [2] 23/25 52/15 56/18 58/13
June [5] 23/6 35/1
60/22 63/3 75/12 law [6] 12/11 16/21 25/20 26/5 26/10 26/12 60/23 58/18 69/12
29/7 29/8 53/1 69/2 27/9 27/15 27/16 27/20 March 21 [1] 16/3 medical [1] 70/22
June 11 [1] 35/1
lawful [1] 52/15 27/25 61/2 61/9 61/13 March 22 [3] 21/17 medication [4] 37/8
June 1969 [1] 60/22
lawyer [5] 6/19 6/20 61/16 61/24 62/5 62/10 26/5 62/5 37/11 37/15 37/22
June 22 [2] 23/6 63/3
9/16 16/23 60/4 62/10 62/10 62/12 marked [2] 39/16 41/2 meet [1] 65/24
jurisdiction [1] 28/13
lawyers [3] 53/24 62/16 62/19 62/23 MARONICK [41] 1/17 meeting [1] 50/20
jurors [3] 54/13 55/3
54/17 60/8 62/24 63/1 63/3 63/12 3/22 4/1 4/2 4/3 4/11 memoranda [2] 50/10
55/6
lean [1] 18/24 63/20 63/20 7/23 10/19 17/18 18/6 67/4
jury [20] 4/5 5/7 7/14
lease [1] 16/13 loans [2] 12/16 12/20 19/18 22/15 29/4 29/23 memorandum [2] 67/7
7/17 7/21 8/25 38/21
53/12 53/13 53/17 least [2] 17/22 33/2 local [1] 71/2 31/4 32/9 35/12 37/24 67/11
53/20 53/21 53/22 Lee [1] 10/24 located [1] 28/12 38/15 38/24 39/17 memory [1] 36/24
left [4] 3/11 23/1 27/1 Lombard [1] 1/24 40/10 41/5 41/11 41/20 mental [1] 37/5
53/25 54/2 54/12 54/18
62/13 long [3] 19/18 52/19 42/7 42/10 46/20 51/7 mentioned [2] 46/10
56/7 56/8 57/4
legally [2] 14/22 14/25 72/12 51/14 56/20 59/18 64/4 47/7
just [33] 2/10 5/4 8/23
legitimate [4] 61/12 longer [2] 47/15 72/15 64/18 67/10 67/12 68/8 merely [1] 42/19
9/18 12/21 13/3 13/9
61/20 62/23 63/3 longest [1] 72/13 71/9 73/18 74/7 74/17 Merit [1] 75/4
15/2 16/18 17/2 17/8
legitimately [1] 63/14 look [4] 6/13 6/19 6/20 MARYLAND [15] 1/1 met [3] 7/25 20/6 20/7
17/12 19/13 20/1 20/11
11/1 11/1
30/12 33/3 33/19 34/15 lender [6] 40/5 1/7 1/25 10/7 10/10 might [6] 43/3 44/4
14/14 14/15 14/16 looking [2] 3/6 9/8 10/11 11/4 15/22 24/1 50/23 51/15 52/7 72/21
35/5 36/18 42/18 44/9
14/18 loose [1] 33/4 29/10 29/15 60/23 million [1] 45/21
47/5 48/13 52/6 56/24
57/10 67/23 72/15 lengthy [2] 31/21 lose [3] 43/23 43/23 60/24 64/1 75/6 minute [3] 16/23 30/25
31/22 43/24 mask [6] 2/19 2/21 3/3 48/8
72/18 73/19 73/22
lenient [2] 43/4 52/17 loud [1] 60/16 4/22 6/24 7/11 Miranda [1] 31/17
Justice [1] 53/6
less [1] 51/24 lying [2] 17/25 34/11 masks [3] 2/11 2/13 misrepresentations
K let [3] 2/10 39/10 47/3 2/15 [3] 58/5 58/6 61/14
Let's [2] 33/3 68/13 M material [6] 10/8 16/17 miss [1] 8/15
keep [5] 7/10 7/11
17/12 44/5 54/20 letter [15] 39/15 39/16 ma'am [1] 35/20 29/14 29/15 29/24 mission [1] 12/5
key [1] 47/4 39/17 39/24 39/25 40/1 Madam [1] 30/1 61/13 mistake [1] 30/8
kickback [6] 21/13 41/12 41/21 42/1 47/8 made [12] 5/7 21/15 materially [1] 24/9 mitigation [1] 19/7
21/20 22/5 26/9 26/22 49/13 52/14 53/10 23/17 23/21 26/4 27/19 materials [3] 2/7 24/25 mobile [1] 63/23
62/8 57/16 59/8 31/16 49/9 62/4 63/8 29/22 modifications [1] 64/3
kickbacks [1] 24/20 level [3] 49/2 49/3 63/11 63/19 matter [12] 1/10 2/8 moment [1] 59/1
kind [4] 29/24 37/5 49/5 magistrate [1] 30/16 8/22 17/5 30/6 31/9 Monday [3] 70/9 70/9
44/13 49/17 license [2] 15/22 maintain [2] 12/6 32/16 33/7 45/10 67/18 70/16
kinds [1] 18/25 61/25 16/13 74/15 75/9 money [10] 14/4 18/1
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (82)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 83 of 88
M Ms. Sanger [13] 3/10 32/8 37/9 37/23 37/23 62/9 68/15
3/19 31/12 48/7 50/17 39/9 43/9 47/15 49/13 obviously [5] 13/16 ordered [1] 69/1
money... [8] 24/8
50/22 66/2 66/12 66/21 49/22 49/23 52/3 52/9 17/11 20/4 30/19 31/21 orders [1] 2/10
25/16 28/18 45/12
68/9 71/11 72/3 73/16 53/4 61/11 63/19 65/8 occasion [1] 41/1 ordinarily [2] 5/4 5/6
45/12 48/25 58/5 58/20
Ms. Sanger's [1] 67/21 67/25 68/20 72/2 October [4] 1/8 5/15 original [5] 39/15
monies [1] 14/17
66/18 72/22 74/16 74/19 20/2 20/3 39/17 39/22 40/9 42/6
monitored [1] 46/12
Ms. Thomas [2] 59/12 none [2] 63/13 64/5 October 11th [1] 20/2 originally [3] 8/7
month [1] 2/18
74/21 noon [3] 70/8 70/9 off [6] 5/17 5/20 5/21 48/15 48/16
monthly [3] 13/25
much [6] 3/12 17/19 70/15 5/25 6/1 72/15 other [13] 12/17 23/19
16/1 61/15
20/18 64/2 66/17 74/10 norm [1] 34/16 offense [20] 5/10 7/19 27/13 27/24 28/15
more [15] 6/6 6/7 19/4
19/7 24/18 31/16 31/21 multiple [2]
61/13 normal [1] 33/7 24/4 43/13 43/16 43/19 28/19 47/23 49/22
63/24 normally [3] 7/14 44/18 45/20 45/24 49/2 50/21 55/8 57/11 63/10
38/2 43/3 43/4 51/24
multistep [1] 48/6 30/16 37/17 49/3 49/5 57/23 61/7 71/2
57/25 61/7 72/16 72/17
must [8] 29/9 46/4 NORTHERN [1] 1/2 65/15 65/16 71/18 72/6 others [8] 23/2 23/22
Moreover [1] 21/5
47/17 67/7 69/23 69/24 not [101] 73/8 73/9 24/3 24/23 25/4 27/3
mortgage [3] 15/5
70/1 70/2 note [9] 2/10 3/19 4/24 offenses [1] 6/7 27/22 62/14
16/13 62/21
my [20] 3/3 7/10 8/1 39/23 45/5 50/19 51/8 offering [1] 24/20 otherwise [1] 70/19
most [1] 9/23
8/1 8/15 11/23 20/7 59/7 67/10 office [5] 3/9 20/7 our [4] 20/16 33/2 34/2
Mr [5] 3/4 4/19 10/19
30/8 30/8 33/11 33/15 noted [1] 45/18 46/13 70/3 70/15 55/19
29/13 60/20
34/24 36/2 36/24 49/17 notes [7] 1/22 45/10 office's [1] 30/8 out [5] 44/11 48/24
Mr. [92]
70/12 72/7 72/23 73/2 49/21 50/2 52/14 52/24 officer [3] 3/15 3/16 58/12 60/16 72/22
Mr. Maronick [35]
73/15 57/20 70/2 over [9] 3/11 19/21
4/11 7/23 17/18 18/6
myself [1] 73/2 Nothing [1] 32/10 Official [3] 1/24 75/1 39/25 51/7 53/11 57/17
19/18 22/15 29/4 29/23
31/4 32/9 35/12 37/24 N notice [1] 70/1 75/16 66/1 68/13 71/10
notification [3] 72/7 okay [19] 3/8 5/23 oversight [1] 73/15
38/15 38/24 39/17
name [11] 4/16 16/4 73/11 73/13 6/14 6/21 9/1 11/19 own [8] 13/16 14/17
40/10 41/5 41/11 41/20
23/1 23/3 27/4 34/23 66/20 67/1 11/24 33/1 37/13 39/13 24/19 43/10 55/17
42/7 42/10 46/20 51/7 34/24 62/1 62/14 62/15 notify [6]
67/1 71/15 72/5 73/3 39/23 40/2 42/4 53/16 55/20 71/2 72/23
51/14 56/20 59/18 64/4 62/17
November [1] 66/19 60/5 68/13 68/23 73/3 owner [4] 16/5 21/16
64/18 67/10 67/12 68/8
named [4] 11/3 15/13 now [27] 5/25 6/3 9/19 73/20 26/4 62/4
71/9 73/18 74/7 74/17 17/4 22/6
9/21 11/25 14/12 17/21 Oklahoma [2] 11/7
Mr. Patrick [1] 7/25 namely [2] 24/5 24/7 P
29/6 30/3 32/4 32/11 11/7
Mr. Qureshi [46] 4/17
names [2] 56/19 56/20 32/14 33/4 34/3 35/24 Once [1] 14/13 p.m [3] 1/8 2/1 74/25
5/2 5/4 5/17 10/10
narcotic [1] 37/5 46/10 48/17 49/12 53/4 one [23] 2/5 5/3 6/6 pace [1] 7/10
10/12 10/17 14/9 15/16
nation's [1] 12/7 53/9 57/14 59/14 65/16 6/7 9/22 9/24 10/25 page [6] 40/6 40/19
16/18 17/16 18/13 19/5
native [1] 36/9 67/18 67/20 72/12 14/8 19/4 27/7 32/16 40/20 40/24 72/8 75/9
20/22 21/24 22/20
naturalized [4] 8/13 74/22 37/13 38/6 46/9 51/10 Page 11 [1] 40/19
28/10 30/15 33/10 9/14 36/22 44/4 number [13] 5/15 52/6 55/7 64/15 65/17 Page 5 [1] 40/24
34/21 35/15 35/23 40/1
nature [4] 6/9 30/18 10/16 10/25 13/25 67/7 71/24 73/5 73/17 Page 9 [1] 40/6
40/6 40/24 41/18 41/25 31/22 65/2
45/25 46/10 46/21
14/21 22/11 22/12 one-count [7] 2/5 9/22 pages [1] 29/3
necessary [2] 30/19 22/12 22/12 22/12 9/24 32/16 38/6 64/15 paid [8] 16/10 16/11
46/24 47/25 49/3 49/15
31/19 22/13 22/13 22/13 65/17 20/24 21/4 25/23 26/9
51/19 53/9 59/14 59/22
need [3] 5/20 8/16 one-third [1] 52/6 26/22 45/12
60/10 64/6 64/14 65/20 31/16 O only [6] 14/23 15/1 pain [1] 65/3
67/12 68/16 69/2 69/17
needs [1] 5/17 oath [7] 30/24 30/25 37/17 60/11 62/19 Pakistan [4] 36/10
Mr. Riley [6] 18/3 51/6 negative [1] 2/18 34/3 34/4 34/12 34/19 71/12 36/11 36/17 36/19
59/10 64/2 64/10 74/15
nervous [1] 8/16 35/24 open [3] 6/8 60/9 pandemic [5] 12/14
Mr. Smith [3] 19/21
never [3] 25/10 25/19 object [1] 24/16 70/24 12/19 18/2 57/22 65/6
20/6 41/5 56/10 objection [1] 72/2 operating [1] 61/12 pandemic-related [1]
Mr. Smith's [1] 8/2 new [2] 10/24 70/18 objections [4] 50/19 operation [1] 16/9 12/19
Ms. [24] 3/10 3/19
next [4] 11/9 14/12 51/8 66/9 66/20 opinion [1] 48/2 Paper [1] 5/14
9/12 9/20 19/25 31/12 29/6 48/18
obligations [1] 29/9 opinions [1] 47/5 paperwork [1] 8/3
34/19 35/22 48/7 50/17
nice [9] 3/4 3/10 3/22 observe [1] 34/18 opportunity [3] 41/4 paragraph [22] 13/12
50/22 59/12 65/21 66/2
3/24 4/3 4/7 4/7 4/10 obtain [9] 13/13 24/7 50/18 66/11 14/12 14/12 17/13
66/12 66/17 66/18 4/12 24/8 25/1 25/16 36/22 opposed [1] 3/11 18/12 21/3 21/12 23/1
66/21 68/9 71/11 72/3
nights [1] 37/16 58/4 61/2 70/18 opposing [2] 67/1 42/12 45/9 45/10 45/18
73/16 74/12 74/21
no [38] 1/5 2/3 11/15 obtained [6] 23/23 67/2 47/7 48/23 49/12 49/21
Ms. Danielle [1] 65/21 11/18 11/19 13/11 21/4 26/16 28/8 61/6 63/12 50/2 52/13 52/24 53/10
optional [1] 2/13
Ms. Davis [7] 9/12 21/6 25/14 26/18 26/20 63/20 order [6] 45/11 66/17 57/15 57/23
9/20 19/25 34/19 35/22
27/19 31/13 31/16 32/3 obtaining [2] 24/18 66/18 67/15 67/19 Paragraph 10 [2]
66/17 74/12
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (83)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 84 of 88
P 13/25 14/3 15/5 15/10 49/21 52/13 53/10 57/9 preparing [1] 48/10 23/7 23/8 23/10 23/17
16/1 16/10 16/13 23/7 57/16 59/6 59/7 59/9 present [2] 1/18 19/7 27/11 28/1 63/5 63/7
Paragraph 10... [2]
23/8 23/8 23/10 23/17 59/19 64/19 64/23 65/3 presented [2] 7/14 63/16 63/18
14/12 52/13
23/18 23/21 25/9 27/10 65/11 65/13 65/15 20/1 program [13] 11/2
Paragraph 10C [1]
27/11 27/14 28/1 28/1 72/12 72/13 presentence [8] 48/10 11/2 12/2 12/17 12/18
52/24
61/15 62/20 63/1 63/5 plead [4] 43/8 54/10 48/12 50/16 50/19 51/5 12/19 13/6 13/21 18/1
Paragraph 19 [2] 45/9
63/5 63/7 63/11 63/16 64/12 64/15 65/20 66/8 66/13 28/19 57/21 61/3 65/5
45/10
63/17 63/18 pleading [4] 43/10 president [3] 10/12 promise [1] 69/12
Paragraph 2 [2] 57/15
penalties [3] 45/22 43/14 53/4 65/9 13/17 61/11 promises [1] 24/10
57/23
45/23 45/23 please [10] 2/25 3/22 presiding [1] 2/16 pronouncing [2] 4/1
Paragraph 20 [1]
penalty [1] 50/11 7/12 9/20 16/25 34/21 presumably [2] 8/11 4/16
21/12
pendency [3] 72/5 34/23 46/9 54/21 59/19 29/8 properly [2] 33/13
Paragraph 22 [1] 23/1
73/7 73/9 plexiglass [1] 2/19 presume [3] 48/5 74/9
Paragraph 3 [1] 45/18
people [6] 8/11 53/16 point [7] 29/4 31/18 48/13 60/7 property [6] 24/8 28/7
Paragraph 4 [1] 53/10
54/5 54/12 56/24 72/16 32/6 45/17 48/6 74/14 presumed [1] 54/24 28/11 28/15 28/16 45/4
Paragraph 5 [1] 47/7
percent [5] 8/16 21/21 74/18 presuming [2] 18/15 proposed [2] 6/9
Paragraph 6 [1] 48/23
21/23 26/10 62/12 policy [1] 33/23 48/9 68/21
Paragraph 7 [1] 49/12
period [3] 15/9 46/13 portion [3] 15/10 60/2 presumption [1] 18/14 prosecution [4] 6/10
Paragraph 8 [1] 49/21
62/25 63/1 pretenses [2] 24/9 6/11 17/5 36/3
Paragraph 9 [1] 13/12
perjury [2] 34/7 36/3 portions [3] 11/9 58/5 prosecutor [1] 60/4
Paragraphs [1] 45/4
permissible [5] 14/23 39/25 41/13 pretrial [14] 1/18 3/15 prospective [1] 25/8
parameters [1] 52/16
15/1 15/9 62/20 62/25 possessing [1] 71/1 4/4 31/9 31/14 68/21 Protection [5] 11/2
pardon [4] 10/21
permission [1] 74/6 possibility [3] 38/20 69/6 69/25 69/25 70/23 12/2 12/18 14/5 61/3
26/19 39/5 46/2
permit [1] 66/8 44/18 45/3 70/25 72/6 73/10 73/12 Protections [1] 29/11
parens [1] 21/22
permits [1] 44/5 possible [2] 46/21 previously [3] 2/11 prove [4] 54/24 56/9
Park [2] 10/9 60/23
permitted [1] 2/22 46/25 26/24 31/8 56/11 59/4
parole [5] 44/17 44/18
permitting [1] 42/24 potential [5] 38/20 principal [2] 15/7 provide [7] 12/12 14/2
52/3 52/3 52/9
person [6] 7/3 7/18 70/20 71/15 72/5 73/3 62/23 23/8 29/20 63/5 65/22
part [19] 14/1 17/6
21/6 24/22 25/3 25/21
14/9 17/3 32/22 66/4 potentiality [1] 45/5 prior [5] 11/21 11/22 69/25
personal [3] 24/19 PPP [62] 11/2 13/6 15/19 29/17 29/20 provided [12] 11/22
26/2 26/8 26/21 27/2
24/19 71/1 13/13 13/14 13/19 prison [6] 46/14 46/17 12/15 15/20 16/15
27/8 27/18 27/21 55/17
24/17 13/22 13/22 14/1 14/13 49/4 49/6 49/17 52/5 16/16 16/19 22/7 22/25
61/4 61/6 63/23 71/17 personally [1]
persons [3] 2/13 14/15 14/17 14/18 privately [2] 4/8 31/4 29/19 29/24 45/19
73/15
57/25 70/20 14/22 14/25 15/6 15/7 probable [5] 5/6 5/6 62/11
participate [1] 54/17
phase [3] 19/5 19/11 15/14 15/21 15/25 16/3 5/9 6/16 7/17 provides [4] 12/4
participated [1] 11/1
19/15 16/6 18/1 20/20 21/13 probably [1] 36/25 40/17 53/1 59/8
participating [3] 14/14
14/15 14/16 phone [2] 5/17 63/18 21/17 21/19 22/4 22/6 probation [6] 1/18 3/9 providing [1] 26/23
phones [1] 63/23 22/9 23/23 24/18 24/21 3/16 44/17 44/19 46/12 provisions [1] 47/14
party [3] 28/12 42/13
71/14 photographs [2] 24/25 25/1 25/6 25/9 problem [1] 22/18 psychiatric [1] 70/22
15/21 61/24 25/20 26/5 26/10 26/12 problems [1] 33/2 public [4] 2/11 2/14
passed [1] 53/1
pick [1] 54/5 27/9 27/15 27/16 27/20 Procedure [4] 5/12 44/10 44/13
passport [5] 68/24
70/2 70/4 70/6 70/18 picked [1] 53/17 27/25 57/21 61/3 61/9 30/14 31/20 68/5 pull [3] 2/21 4/22 6/24
pictures [1] 24/14 61/13 61/24 62/5 62/10 proceed [8] 6/3 8/25 punishable [1] 6/7
past [1] 44/17
place [1] 29/12 62/12 62/16 62/19 18/16 32/15 34/2 37/25 purported [17] 11/5
Patrick [1] 7/25
placed [4] 28/13 28/23 62/22 62/23 63/2 63/9 38/3 60/20 20/25 23/9 23/12 23/18
PAUL [3] 1/15 3/2 59/2
34/3 42/5 63/12 63/20 65/5 proceeded [1] 32/13 23/19 23/21 23/24
pay [4] 25/25 46/4
places [1] 41/6 predecessor [1] 29/24 proceeding [6] 2/8 26/12 27/12 61/3 61/10
61/21 62/8
Plaintiff [2] 1/4 1/14 predicate [1] 40/17 4/25 8/19 9/21 32/11 63/6 63/9 63/13 63/13
Paycheck [4] 11/2
plan [4] 14/5 50/23 predict [1] 51/18 33/24 63/16
12/2 12/18 61/3
51/2 58/1 Preindictment [1] proceedings [5] 18/20 purpose [7] 23/11
payee [6] 23/1 23/3
1/10 7/5 29/19 38/11 41/3 57/19 75/8 24/10 25/7 27/11 27/13
27/1 27/4 62/14 62/14 plea [53]
18/17 18/19 20/7 30/13 preliminary [2] 5/11 proceeds [6] 14/22 32/3 58/3
paying [1] 24/20
31/25 32/15 33/24 34/2 31/7 14/25 15/9 28/8 62/19 purposes [2] 41/2
payment [3] 14/5
21/20 22/8
34/16 35/16 35/18 preparation [2] 20/4 62/24 63/3
37/25 38/4 39/14 40/18 66/13 process [5] 14/2 29/11 pursuant [7] 5/14 23/7
payments [14] 16/13
41/4 41/9 41/12 41/21 prepare [2] 50/19 51/5 31/21 48/6 48/19 28/6 47/9 63/6 68/3
16/13 16/14 21/2 21/13
42/1 42/9 42/10 42/12 prepared [7] 29/13 processed [1] 14/15 75/6
23/12 23/18 23/21
42/18 42/24 43/18 45/4 33/13 50/17 59/4 65/21 processing [5] 11/6 put [2] 30/24 30/25
27/12 27/19 61/18 63/9
45/17 45/18 46/22 66/19 74/6 14/18 23/9 27/10 28/1
63/11 63/19
46/25 47/8 47/10 49/12 prepares [1] 66/7 Processor [11] 11/5 Q
payroll [32] 11/5 11/6 qualifying [2] 13/13
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (84)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 85 of 88
Q 27/9 44/12 representation [6] 43/24 43/24 53/5 54/5 26/8 26/22 27/2 27/8
recently [2] 2/12 37/4 9/16 16/8 29/14 38/25 54/10 54/11 54/17 27/18 27/21 28/9 58/4
qualifying... [1] 14/13
recognize [1] 38/7 59/3 67/13 55/12 55/13 55/18 58/12 61/1 61/6 63/15
question [6] 6/14 6/15
recommend [1] 65/25 representations [4] 56/15 57/9 59/24 60/1 63/22 64/1
6/15 17/13 72/13 72/14
recommendations [3] 21/15 24/9 26/3 62/3 60/20 66/7 67/18 68/23 school [2] 36/6 36/8
questioned [1] 55/24
42/19 42/24 69/6 representative [3] 72/1 73/2 73/16 74/20 screwed [1] 33/16
questions [4] 6/13 8/1
17/23 36/2 recommended [1] 13/14 13/20 13/24 rights [9] 6/8 31/16 seal [2] 42/5 72/15
48/9 represented [3] 18/16 43/20 52/12 52/24 sealed [3] 40/4 40/23
quick [2] 7/3 7/10
record [5] 2/25 21/25 22/22 60/11 53/11 56/12 57/10 41/21
quickly [3] 50/25
29/2 34/23 39/21 representing [1] 19/19 57/11 searched [1] 21/5
59/11 59/11
records [3] 21/5 21/6 represents [1] 68/18 RILEY [12] 1/15 3/2 seated [1] 59/1
quite [3] 30/11 67/5
21/6 request [6] 27/16 31/2 3/4 18/3 29/13 51/6 second [5] 5/3 16/12
73/16
recovery [2] 12/8 50/3 54/12 71/12 71/15 59/2 59/10 60/20 64/2 27/7 46/9 73/5
QURESHI [96]
28/18 require [2] 8/12 56/24 64/10 74/15 Section [2] 44/10
Qureshi's [2] 16/4
refer [1] 66/12 required [10] 2/11 rise [1] 74/23 47/10
61/2
referenced [5] 8/3 13/19 14/22 14/25 29/7 risk [4] 68/7 68/18 Section 5 [1] 47/10
R 22/25 26/23 62/7 63/8 31/15 62/19 67/4 69/13 68/25 71/15 Security [2] 12/10
radio [1] 58/13 referencing [2] 17/3 70/23 RMR [2] 1/23 75/16 61/4
raise [1] 34/21 20/14 requirement [1] 25/8 role [1] 26/11 see [17] 3/4 3/5 3/10
ran [1] 11/4 referred [1] 12/17 requires [1] 29/12 Ronda [3] 1/23 75/4 3/23 3/24 4/3 4/7 4/12
range [5] 48/5 48/13 reflect [2] 22/1 29/2 residence [1] 70/7 75/16 8/18 10/20 32/21 33/3
49/16 50/16 51/22 reflected [2] 22/8 resident [3] 10/9 11/4 Rubin [1] 32/23 33/14 48/11 51/10
rather [1] 72/12 25/22 60/22 Rubin's [1] 34/15 55/13 60/1
RDB [2] 1/5 2/4 reflecting [1] 26/10 respect [24] 2/14 9/22 rule [6] 5/11 28/6 seeing [1] 56/23
RDB-22-0330 [1] 2/4 refrain [1] 71/1 17/14 17/23 18/1 29/7 30/14 31/20 32/14 68/4 seek [2] 53/2 53/5
read [42] 8/23 9/23 regard [1] 56/12 29/8 29/10 30/3 30/16 rules [7] 5/11 13/21 seen [3] 4/3 31/11
11/13 11/17 12/21 13/9 Registered [1] 75/4 31/14 32/11 32/14 15/6 30/14 31/20 62/22 67/21
13/11 13/12 15/2 22/16 regular [3] 66/17 32/15 37/10 40/3 40/23 68/4 selected [1] 54/13
29/2 30/21 32/13 35/3 67/19 70/1 45/12 48/8 52/3 52/12 run [2] 33/11 68/6 selection [1] 54/17
35/5 35/7 37/1 38/8 regulations [1] 75/10 53/6 57/18 67/2 self [1] 31/17
respects [1] 16/17 S
38/10 39/24 40/1 41/4 reject [1] 42/23 self-incrimination [1]
relate [2] 11/9 71/3 response [2] 11/15 S.N [1] 10/17 31/17
57/18 59/10 59/13
related [2] 12/19 17/6 18/2 said [7] 8/3 8/4 9/18 sent [2] 46/17 58/18
59/16 60/5 60/7 60/9
release [12] 31/9 responsibility [3] 30/9 11/11 35/23 68/1 72/18 sentence [18] 43/3
60/12 60/15 60/15
60/16 66/8 67/13 69/7 31/10 31/13 45/21 33/15 49/1 salaries [1] 16/10 44/24 45/19 46/15
72/18 72/22 73/20 46/10 46/11 46/15 responsible [1] 56/22 same [1] 41/17 47/18 48/21 49/17 50/3
46/16 67/19 67/20 restitution [3] 45/11 SANGER [16] 1/18 3/9 51/13 51/24 52/5 52/15
73/21 73/22 74/4
3/10 3/19 31/12 48/7 52/17 52/18 52/20
reading [8] 20/9 20/10 68/15 71/13 45/11 45/12
released [3] 46/15 result [4] 28/9 28/11 50/17 50/22 65/21 66/2 52/21 57/5 69/13
20/11 22/1 59/21 59/25
48/10 52/7 58/21 71/7 66/12 66/21 68/9 71/11 sentencing [23] 19/5
60/1 65/1
releases [1] 48/9 retain [1] 16/12 72/3 73/16 19/15 33/24 46/5 46/6
reads [1] 14/13
relevant [1] 65/3 retained [2] 4/8 31/4 Sanger's [1] 66/18 47/4 47/6 48/7 48/15
ready [3] 6/3 6/4 32/15
relief [3] 12/10 12/15 retention [1] 12/17 satisfied [20] 9/15 48/20 50/10 50/12
really [2] 17/18 18/25
61/4 retrieve [1] 39/17 9/17 22/2 29/23 29/25 66/10 66/12 66/14
Realtime [1] 75/5
remain [2] 59/15 67/25 retrieved [1] 39/21 31/1 31/24 35/12 37/24 66/17 66/18 67/4 67/7
rearraignment [2]
remember [1] 36/25 return [8] 20/24 24/21 38/2 38/24 41/11 41/14 67/11 67/15 67/16
30/4 30/5
remind [1] 29/9 28/5 42/6 46/5 48/15 41/20 41/25 46/20 67/19
reason [3] 34/11 64/18
removed [2] 3/3 63/17 50/12 61/17 46/24 65/8 65/13 68/1 separate [3] 17/4 17/5
68/17
remuneration [1] 28/5 returned [1] 56/22 satisfy [1] 68/6 69/20
reasonable [7] 48/6
rent [2] 15/6 62/21 Revenue [1] 20/22 say [5] 12/23 12/24 September [8] 5/1
48/14 50/3 50/5 50/6
repeat [2] 14/24 35/6 review [2] 47/18 50/18 31/16 34/15 68/20 11/25 19/24 39/15
54/25 56/9
report [14] 48/11 reviewed [2] 22/23 saying [1] 44/9 40/12 40/13 41/12
recall [1] 4/11
48/12 50/17 50/20 51/6 48/20 says [4] 6/17 8/24 41/15
receipt [1] 27/14
29/8 60/2
receive [5] 14/4 21/20 65/20 65/23 66/7 66/9 revised [1] 2/12 September 14 [1]
44/24 49/18 52/5 66/13 66/18 66/22 70/1 RICHARD [1] 1/11 SBA [2] 14/17 14/19 39/15
72/7 right [40] 3/18 5/23 scheduled [3] 48/16 September 16th [2]
received [9] 26/11
48/16 66/14
28/19 31/13 38/7 38/8 reported [4] 1/23 6/10 6/16 9/11 9/13 41/12 41/15
15/25 16/11 75/8 18/13 30/1 30/11 31/2 scheme [22] 24/6 series [1] 22/10
45/13 45/16 58/20
reporter [6] 1/24 7/10 31/7 31/9 32/2 34/21 24/11 24/14 24/16 serve [3] 32/3 52/6
62/11
75/1 75/4 75/5 75/16 37/7 40/3 41/18 43/23 24/22 25/3 25/21 26/2 69/13
receiving [4] 6/10 18/1
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (85)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 86 of 88
S 25/14 26/13 28/24 standing [4] 2/10 61/17 61/23 67/4 67/7 take [11] 9/6 22/16
30/22 31/19 34/3 34/13 34/10 59/15 67/25 67/11 67/14 70/8 30/8 30/10 30/13 34/12
served [2] 25/9 56/23
36/6 36/13 37/3 37/18 stands [2] 74/22 74/23 submitting [2] 26/11 47/17 59/24 72/17
Service [1] 20/22
39/4 46/7 50/13 54/21 starting [2] 18/25 48/6 62/9 73/20 73/22
services [18] 1/18
58/9 64/12 state [6] 10/11 13/25 subpoenas [3] 56/21 taken [6] 28/5 29/12
3/15 11/5 23/9 27/11
53/17 54/6 34/5 34/23 52/4 52/8 56/22 56/23 37/10 37/21 65/4 72/14
27/14 28/1 31/14 63/5 sit [4]
67/24 68/9 stated [1] 21/25 substance [2] 35/4 taking [1] 32/15
65/12 68/21 69/25
situation [1] 38/17 statement [13] 15/23 35/8 talk [2] 16/23 19/7
69/25 70/23 70/25 72/6
sleep [2] 37/17 37/20 17/14 19/9 19/14 20/8 substantially [1] talking [1] 7/3
73/10 73/12
slow [2] 7/2 7/4 20/10 20/12 31/15 28/14 tax [9] 20/23 20/25
set [4] 39/14 46/12
57/23 65/16 slowly [3] 72/11 72/16 31/16 34/6 40/16 61/25 substantiate [2] 20/24 21/4 21/6 25/25 26/1
72/17 64/3 27/16 61/17 61/21 61/22
sets [2] 41/22 42/1
small [10] 10/25 11/9 statements [2] 34/7 substitute [3] 28/4 taxes [1] 16/10
setting [1] 68/15
12/3 12/5 12/5 12/8 36/4 28/10 28/16 technology [1] 11/6
severe [3] 43/3 51/24
12/16 13/23 14/4 14/19 states [36] 1/1 1/3 2/3 such [1] 44/10 telephone [1] 66/1
51/24
Smith [4] 7/25 19/21 3/9 10/7 10/16 10/25 suffering [1] 12/13 telephonically [2]
Severna [2] 10/9
20/6 41/5 11/8 12/4 23/3 24/4 sufficiently [1] 38/3 68/10 68/12
60/23
Smith's [1] 8/2 24/5 24/15 24/24 25/5 suggest [2] 7/11 45/22 television [1] 58/13
shall [3] 2/15 28/7
so [40] 2/12 2/19 2/23 27/4 27/23 28/7 28/15 suggestion [2] 63/4 tell [3] 49/3 56/7 56/8
28/15
2/24 4/24 7/11 7/12 32/17 36/12 42/12 73/25 term [1] 45/20
sham [1] 63/11
8/15 9/18 16/18 19/9 43/15 47/5 47/12 47/12 summarize [2] 47/6 terminate [1] 18/19
she [7] 7/12 10/22
19/10 20/3 31/6 31/12 48/3 48/3 49/13 53/14 59/3 terms [8] 31/12 33/20
37/12 48/10 51/8 66/7
32/25 33/8 33/14 33/19 59/2 64/22 65/18 68/3 summarized [2] 12/2 34/17 42/17 47/6 48/20
66/21
33/21 34/1 34/11 34/19 75/5 75/11 64/10 48/24 58/5
she'll [5] 50/19 51/5
35/1 36/8 37/20 39/24 status [1] 2/20 summary [3] 18/3 tested [2] 2/17 8/9
51/6 51/6 66/23
44/2 44/9 48/7 48/13 statute [2] 45/19 52/16 18/6 64/6 testify [5] 55/18 55/20
sheet [1] 3/7
51/13 56/25 59/4 60/14 stay [2] 50/9 52/15 summer [1] 19/21 55/23 56/4 56/15
shifts [1] 56/10
66/12 67/22 67/25 stenographically [1] supervised [5] 45/20 than [6] 6/7 24/18 43/3
should [11] 32/25
73/25 74/13 75/8 46/10 46/11 46/15 51/24 71/2 72/15
32/25 48/5 49/17 50/11
sold [1] 28/12 stenographically-repo 46/16 thank [18] 3/11 9/11
56/7 60/14 64/19 67/1
sole [1] 10/17 rted [1] 75/8 supervising [1] 70/2 9/12 33/9 34/25 35/3
67/1 67/5
some [9] 2/7 5/8 8/15 stenotype [1] 1/22 supervision [1] 70/25 35/21 35/22 42/7 42/8
showing [1] 14/2
19/12 20/4 49/15 50/21 step [11] 4/24 5/2 supplement [2] 40/24 64/2 66/17 68/23 73/14
side [6] 48/11 51/8
57/25 58/15 11/25 11/25 30/11 41/21 74/7 74/10 74/12 74/16
66/20 67/1 67/1 67/2
somebody [1] 70/14 30/11 67/23 67/23 supplements [1] 40/4 that [358]
sides [2] 50/9 52/20
someone [1] 32/19 68/14 68/14 68/17 support [4] 12/4 25/9 that then [1] 18/8
sign [10] 58/14 67/15
something [3] 12/23 still [5] 8/12 8/22 25/19 61/15 That'll [1] 42/4
71/10 73/19 73/19
13/2 74/1 17/20 47/17 64/12 supported [1] 65/13 that's [28] 3/8 3/18
73/22 73/23 74/6 74/11
74/12 sometimes [1] 59/11 stipulation [2] 40/17 supporting [2] 12/7 5/23 5/23 6/21 8/10
sorry [6] 3/7 3/10 5/24 60/2 16/16 13/23 15/15 17/11
signals [1] 24/14
32/24 33/1 74/21 stop [4] 16/23 17/22 Supreme [4] 47/5 21/24 22/2 30/8 30/10
signatories [1] 10/18
sort [1] 58/15 18/12 30/12 47/12 48/3 48/4 31/5 31/11 33/1 33/1
signature [8] 6/18 9/7
sounds [1] 24/14 stopped [1] 17/21 sure [11] 5/19 22/1 33/19 35/2 38/10 41/1
9/9 40/5 40/19 40/21
sources [1] 12/15 stopping [4] 17/12 30/17 31/22 32/20 34/4 45/22 51/24 65/6 71/20
40/24 41/13
speak [10] 7/9 8/12 18/12 18/25 19/12 34/11 59/14 65/4 69/3 71/22 72/8 73/16
signed [21] 9/18 13/14
8/14 36/16 59/11 59/11 Street [1] 1/24 69/8 their [2] 14/2 56/19
16/4 19/25 20/2 22/7
60/11 66/11 72/16 strengthen [1] 12/6 surrender [2] 69/13 them [3] 47/17 47/17
23/7 26/25 40/9 40/10
72/17 strongly [2] 7/11 70/2 73/1
41/6 41/9 41/12 41/15
speaking [3] 2/22 4/23 65/24 surrendered [2] 70/4 themselves [1] 2/24
41/18 42/13 63/4 67/12
6/25 subject [2] 47/18 70/9 then [27] 4/22 7/3 8/8
67/19 74/9 74/13
speaks [1] 8/4 55/23 surrendering [1] 10/23 11/9 12/2 13/3
signing [1] 41/14
special [1] 46/4 submission [5] 15/14 68/24 18/8 18/11 19/8 21/3
signs [1] 24/14
specific [3] 17/6 28/6 15/19 24/21 27/24 suspect [1] 50/22 21/12 22/10 23/6 28/3
simple [2] 6/15 6/15
67/10 27/25 sustaining [1] 65/14 40/23 46/15 46/20
since [2] 4/4 72/17
specifically [10] 19/7 submissions [3] sworn [1] 34/22 48/25 50/2 51/8 51/9
sir [41] 4/20 4/23 5/20
43/14 45/5 47/9 48/4 21/15 26/4 62/4 system [4] 52/4 52/4 52/7 64/14 66/23 68/12
5/24 6/13 6/15 6/25
53/11 57/24 64/14 submit [4] 13/13 24/24 52/8 52/9 73/21
7/15 7/21 9/3 9/9 10/1
64/25 72/4 25/8 27/23 there [47] 5/13 9/9
11/11 12/21 13/3 13/16
spent [2] 15/8 62/24 submitted [12] 15/13 T 9/21 12/21 13/2 13/9
14/6 14/24 17/25 18/21
63/17 25/6 25/19 57/21 61/9 table [1] 9/6 15/2 19/12 22/5 22/10
19/16 19/17 21/8 25/11 spoke [1]
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (86)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 87 of 88
T 68/4 69/7 69/10 73/20 turn [3] 5/17 5/20 untruthful [1] 34/5 waive [4] 6/10 52/14
73/21 73/22 74/4 59/19 up [10] 7/10 17/11 52/20 67/6
there... [37] 25/13
throughout [2] 10/16 turning [1] 40/20 31/10 33/15 33/16 waived [2] 8/24 57/9
26/17 28/3 28/17 32/6
11/7 TV [1] 36/21 49/12 54/21 57/10 waiver [14] 2/8 5/13
32/19 39/2 39/7 40/5
Thursday [2] 48/17 twice [1] 17/22 70/24 74/10 5/14 6/5 6/17 8/22 9/8
40/15 40/19 41/9 41/13
66/15 two [6] 8/23 12/15 upon [4] 42/20 56/9 9/19 9/21 19/24 19/25
42/10 44/10 47/4 49/13
thus [1] 11/11 47/4 52/5 52/5 57/25 59/2 67/22 52/24 53/11 53/11
49/22 50/10 52/3 52/4
time [21] 4/5 15/10 two-line [1] 8/23 use [3] 24/19 24/20 waiving [1] 52/20
52/9 53/20 55/2 55/6
19/10 22/16 22/25 two-year [1] 52/5 63/23 walked [1] 30/20
57/3 58/19 59/21 60/2
30/17 31/19 33/11 used [13] 14/3 14/23 wall [1] 2/18
60/14 64/3 64/5 64/18
37/14 37/17 46/5 49/4 U 14/25 15/10 16/12 want [15] 5/17 16/23
64/20 68/5 74/13 74/14
49/5 50/21 52/6 52/7 U.S [3] 3/2 45/6 53/1 25/15 27/16 36/2 56/5 31/18 50/23 53/11
there's [13] 5/9 9/19 U.S.C [1] 75/7
57/24 59/24 61/11 62/19 62/25 63/3 63/25 59/14 59/15 67/12
14/8 16/18 18/14 20/4
62/25 73/20 ultimately [9] 23/4 using [4] 14/17 37/13 67/25 70/14 72/3 73/20
31/13 33/6 39/14 40/8
times [3] 10/8 17/22 27/6 50/11 54/6 61/5 63/9 63/12 73/20 73/21 73/22
40/17 49/1 49/23 62/14 62/16 63/20
65/24 usually [3] 50/4 67/6 wanted [1] 56/19
Thereafter [1] 23/2 66/23
Title [1] 24/5 72/16 wants [3] 19/8 19/9
therein [2] 8/3 20/14
today [16] 7/5 8/19 unable [1] 44/5 utilities [2] 15/6 62/21 19/13
thereto [3] 40/4 40/15
10/19 19/6 19/10 22/24 unanimous [1] 55/3 utility [1] 16/14 warrant [2] 69/4 71/7
41/22
30/20 31/22 48/10 uncomfortable [1] utilized [1] 27/23 was [74] 4/25 5/15
these [16] 2/7 11/9 19/1
50/21 50/23 65/10 10/9 10/12 10/23 10/25
14/3 18/19 18/25 22/10
65/22 67/6 67/15 69/2 under [24] 5/11 14/5 V 11/4 11/22 11/25 12/11
23/13 26/16 38/10
together [2] 2/7 60/25 15/6 18/1 18/2 24/4 vaccinated [7] 2/17 14/4 14/16 15/7 16/3
38/14 41/2 47/22 54/11
too [2] 52/17 52/19 29/9 30/14 30/24 30/25 2/21 3/3 3/13 3/25 4/13 16/9 16/20 17/3 19/23
57/19 67/21 71/6 31/16 31/20 32/14 34/3 4/20
took [1] 37/15 19/25 20/2 20/14 21/18
they [9] 40/16 45/21 34/4 35/24 37/7 42/5 vaccination [1] 2/20
topic [1] 45/10 21/24 22/5 23/4 23/4
45/22 45/23 47/13 54/6
total [9] 14/21 21/2 49/4 52/25 55/18 57/22 valuable [1] 43/20 24/14 24/16 24/22 25/3
56/7 57/15 71/3
23/20 26/23 28/18 49/2 61/3 62/22 value [1] 28/14 25/7 25/19 25/21 26/2
They're [1] 42/19 undergo [1] 70/22 various [1] 48/12
49/5 61/18 63/11 26/6 26/8 26/21 26/25
thing [4] 19/4 29/6
totaling [1] 62/12 understand [144] verbatim [4] 22/1 29/2 27/2 27/5 27/6 27/8
33/6 68/13 30/21 57/19
totally [1] 69/20 understanding [5] 27/15 27/17 27/18
think [10] 5/25 7/5 9/5
toward [2] 15/10 63/1 8/15 11/23 22/17 32/2 verdict [2] 55/3 57/4 27/21 29/19 33/14 35/1
17/18 17/22 19/13
traceable [3] 23/23 64/24 verify [4] 9/7 72/6 37/18 41/8 41/14 45/18
50/24 51/2 52/19 59/9
62/16 63/12 understands [13] 9/17 73/10 73/12 52/19 53/1 57/3 58/12
thinks [2] 50/5 52/17 17/8 17/21 19/6 22/2 very [18] 3/12 3/22
trains [1] 33/11 60/7 61/10 61/11 61/17
third [4] 16/15 28/12 35/13 38/3 46/21 65/4 6/15 6/15 19/14 31/21 61/19 61/19 61/20 62/6
transcript [2] 75/8
52/6 71/14 67/13 68/1 69/8 74/5 34/11 52/13 57/15
75/9 62/10 62/16 63/20
third-party [2] 28/12
transcription [1] 1/22 understood [2] 8/4 57/17 59/9 60/9 64/2 63/25 68/9 68/10 68/12
71/14
transferred [1] 28/12 41/14 65/6 66/17 72/8 74/10 73/1 73/15
this [118] unemployment [2] 74/21
transfers [2] 58/19 watching [1] 36/21
this'll [1] 74/12 20/23 25/25 via [1] 23/18
63/25 way [9] 2/5 4/25 5/7
THOMAS [7] 1/17 1/23
transmission [1] unique [1] 72/12 viability [1] 12/7 5/10 8/25 33/20 43/7
3/22 59/12 74/21 75/4
58/14 UNITED [34] 1/1 1/3 victim [1] 70/20 56/8 57/25
75/16
transmit [1] 24/12 2/3 3/9 10/7 10/16 view [4] 29/4 32/6 we [38] 2/7 2/8 4/5
those [25] 26/25 28/10 74/14 74/18
transmitted [4] 14/18 10/25 11/7 12/4 23/3 4/25 6/3 8/18 9/5 17/12
29/21 36/2 41/6 41/13 24/4 24/5 24/15 24/24 violate [3] 46/16 69/3 18/9 20/1 20/7 22/3
24/12 58/12 64/1
42/23 47/6 48/14 56/4 25/4 27/3 27/23 28/7 69/19
treated [1] 37/4 22/18 29/6 29/9 29/12
56/20 56/21 56/23
trial [17] 4/5 9/6 18/13 28/15 32/17 36/12 violating [1] 71/6 30/12 30/13 31/9 31/11
57/11 58/16 58/19 43/15 47/5 47/12 47/12 violation [7] 16/21
38/21 53/12 53/13 31/20 33/3 33/8 34/19
58/20 58/21 58/21 48/2 48/3 53/13 59/2 24/15 32/17 43/15
53/20 53/20 53/22 36/18 39/23 42/18 55/7
58/23 62/13 62/15 67/3
53/25 54/2 54/12 54/23 64/22 65/18 68/3 75/5 44/18 65/18 69/20 67/6 67/18 67/20 67/24
69/7 73/17 75/11
55/8 56/3 57/3 59/4 voice [1] 54/20 69/6 71/13 71/15 71/17
threat [2] 68/7 68/19 unknown [7] 23/2 voided [2] 15/22 61/25 71/20 72/2
tried [1] 43/7
threaten [1] 43/7 24/3 24/23 25/4 27/3 voluntarily [1] 55/19 we'll [10] 8/18 20/16
true [2] 16/17 75/7
three [5] 17/22 20/3 27/22 49/15 voluntary [1] 65/13
truthful [2] 16/19 30/10 30/12 31/12 33/8
37/16 37/19 48/3
16/20 unlawful [2] 58/1 58/3 vote [1] 43/23 59/12 67/23 71/9 74/11
through [24] 8/2 11/23
try [3] 33/3 34/1 47/5 unless [2] 50/22 55/19 vouchers [1] 44/11 we're [23] 8/22 9/21
12/17 12/20 13/20
trying [6] 6/18 17/20 unreasonableness [1] 11/24 17/14 17/19
13/24 18/13 20/8 23/17
18/16 18/24 22/1 22/3 47/19
W 17/19 18/11 18/12
23/25 27/11 33/3 45/4 wages [4] 20/24 21/4 18/19 20/16 20/18
Tuesday [1] 67/16 until [1] 50/16
53/3 59/12 60/24 63/23 25/23 61/21
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (87)
United States of America v Ayaz Qureshi
Case 1:22-cr-00330-JKB Document 18 Filed 06/27/23 Page 88 of 88
W 26/25 27/17 29/7 30/18 worked [1] 31/10 30/15 30/25 31/15 34/3
31/7 38/25 39/2 39/3 workers [1] 16/12 34/4 34/6 34/10 34/11
we're... [12] 22/15
39/8 39/14 40/16 41/17 working [1] 11/21 35/24 43/14 43/19 44/2
30/11 32/4 32/14 33/4
43/3 43/13 47/8 47/9 works [2] 47/4 53/13 48/9 52/7 53/4 54/20
34/1 45/9 48/8 49/12
47/15 48/15 49/22 worn [2] 2/11 2/15 60/15 69/1 70/18
50/24 53/9 73/25
49/23 54/12 61/10 worry [1] 73/17 you've [9] 2/21 6/6 6/8
we've [3] 2/6 32/2 33/7
61/17 63/25 72/13 would [41] 2/24 4/24 30/21 39/2 39/7 44/1
wearing [2] 2/13 2/19
while [7] 2/22 4/22 7/12 13/16 21/23 29/10 44/16 53/3
welcome [1] 4/23
6/24 17/6 45/9 47/16 29/14 32/3 39/23 40/11 your [260]
well [18] 3/19 7/10
70/25 49/4 49/5 53/20 53/21
11/24 18/11 30/2 30/10 Z
who [10] 3/7 7/10 11/3 54/12 54/16 54/23
39/4 39/6 41/14 47/24
11/4 17/3 32/20 32/21 54/24 55/2 55/7 55/8 Zoom [1] 65/25
48/14 57/5 57/11 59/12
32/25 65/21 70/20 55/18 56/7 56/8 56/14
63/18 67/12 68/12
whole [2] 38/17 68/13 56/20 56/21 56/22
68/23
whom [2] 16/10 56/19 56/22 59/4 59/7 69/6
Wells [5] 10/14 62/1
62/6 62/17 63/8 whose [1] 65/12 69/19 70/12 71/13
why [5] 18/11 22/3 71/13 71/15 71/20
went [3] 11/23 20/7
31/11 64/19 71/20 71/24 72/4 72/20
37/17
wife [6] 10/17 10/19 writ [1] 72/23
were [34] 10/17 12/15
23/19 23/21 27/13 write [3] 37/1 37/12
14/3 14/22 14/25 16/12
63/10 71/25
22/8 23/14 23/15 23/21
26/23 38/21 44/17 will [35] 2/8 2/19 writing [2] 26/15
18/23 19/15 21/25 29/2 58/14
44/22 44/23 46/14
30/1 31/24 34/19 43/19 writings [1] 24/13
46/16 47/11 47/13
44/2 45/22 48/10 48/11 written [4] 65/20 72/21
50/22 55/6 55/7 55/7
48/12 49/16 49/16 50/9 72/25 73/1
56/23 57/20 58/18
51/8 51/8 51/8 57/9 wrongdoing [1] 18/17
58/19 58/20 62/10
65/23 65/24 65/25 wrote [4] 23/3 27/4
62/21 62/23 63/3 63/11
65/25 66/4 66/10 66/12 62/13 62/14
63/13
66/18 66/20 66/21
what [42] 6/19 6/20 Y
66/21 67/16 68/20
7/22 9/18 11/11 12/21
24/2 24/6 Yazee [48] 10/11
17/8 17/21 17/23 18/3 willfully [4]
24/11 58/3 10/12 10/13 15/15
18/16 19/8 22/2 28/17 15/25 16/1 16/5 16/9
9/24 24/12
31/17 34/12 34/25 35/5 wire [11] 20/20 20/25 21/4 21/5
32/17 43/14 57/14
35/16 36/9 38/10 41/8
57/23 58/2 58/13 58/15 21/16 21/19 22/4 22/9
41/14 42/17 44/9 45/16 22/11 23/9 23/12 23/14
58/18 65/17
49/17 50/4 50/5 50/9
wires [3] 27/23 63/25 23/20 23/24 25/1 25/6
50/11 51/14 51/18
64/1 25/20 25/22 25/24 26/5
52/25 53/21 53/24 54/2 26/7 26/11 27/9 27/12
wish [1] 64/12
56/18 65/8 67/13 67/21 27/14 27/20 28/2 61/2
wishes [1] 32/7
72/18
withdraw [1] 42/24 61/10 61/11 61/14
what's [3] 7/5 67/22
68/1 withdrawals [1] 23/11 61/18 61/20 62/1 62/4
withdrew [1] 63/7 62/17 63/6 63/9 63/14
when [27] 17/15 19/25 63/20
withhold [2] 25/25
21/21 30/20 32/24
61/21 Yeah [2] 36/18 53/23
34/12 36/11 36/16
within [5] 2/18 15/9 year [6] 6/7 20/25 21/4
36/22 37/14 37/16
52/15 61/20 62/25 48/18 52/5 61/22
37/18 37/19 40/9 40/10
without [5] 5/5 42/24 years [5] 45/20 45/21
41/9 41/12 41/15 46/5 48/3 52/5 72/14
69/24 72/13 72/14
47/18 48/7 48/14 50/10
witness [1] 70/20 yes [172]
50/11 64/1 65/24 68/9
witnesses [8] 38/20 yet [7] 30/6 30/13
where [3] 20/7 71/22 30/24 31/11 45/17
55/14 55/14 56/15
71/22
56/18 56/23 66/25 67/3 67/21 70/4
whether [3] 5/9 7/18 you [428]
33/25 won't [1] 48/13
word [2] 60/16 72/11 you'll [9] 9/20 39/17
which [42] 5/8 5/14 40/5 42/5 50/20 51/2
72/3
9/14 13/17 14/17 19/5 worded [1] 65/22 71/9 73/18
words [1] 8/15
20/8 20/21 20/23 22/7
work [4] 21/19 22/4 you're [25] 2/22 3/6
22/8 23/8 23/22 24/14
22/9 62/8 3/11 3/18 13/5 13/17
25/10 25/18 26/23
Ronda J. Thomas, RMR, CRR - Federal Official Reporter (88)
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