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Information - United States v. Maurice Fayne related docket PPP fraud case (2023-07-10)

Issuer
U.S. District Court for the Northern District of Georgia
Document type
Information
Date
2023-07-10
Case
United States v. Maurice Fayne related docket
Case number
1:20-cr-00228

Summary

Transcript of the June 23, 2023 sentencing hearing in United States v. Daniel Eric Jay, No. 1:20-cr-00228-MHC, before Judge Mark H. Cohen of the U.S. District Court for the Northern District of Georgia, filed July 10, 2023 as Document 321. The court states that the defendant pleaded guilty to Count 1 of the second superseding indictment, conspiracy to commit wire fraud, and Count 5, bank fraud under 18 United States Code, Section 1344. The defense raises no objections to the presentence report. The government objects to the two-level role increase in paragraph 134 under Section 3B1.1(c), arguing for three levels because the criminal activity involved five or more participants or was otherwise extensive. The court questions that request against two-level increases the government sought for recruitment in other cases. The transcript is 85 pages.

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

Full text

Case 1:20-cr-00228-MHC-JKL    Document 321   Filed 07/10/23   Page 1 of 85

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1                      UNITED STATES DISTRICT COURT
                       NORTHERN DISTRICT OF GEORGIA
2                            ATLANTA DIVISION

3

4    USA                                     ,              DOCKET NO.
                                                        1:20-cr-00228-MHC
5                Plaintiff,

6                                                      Atlanta, Georgia
     vs.                                             Friday, June 23, 2023
7
     Daniel Eric Jay
8
                Defendant.
9

10

11

12
                     TRANSCRIPT OF SENTENCING HEARING
13                  BEFORE THE HONORABLE MARK H. COHEN
                    UNITED STATES DISTRICT COURT JUDGE
14

15

16   Appearance of Counsel:

17   For Plaintiff:                     John Russell Phillips, Esq.
                                        Bernita Malloy, Esq.
18
     For Defendant:                     L. Burton Finlayson, Esq.
19

20

21
     Court Reporter:                    Judith M. Wolff, CRR
22                                      Official Court Reporter
                                        1914 United States Courthouse
23                                      75 Ted Turner Drive, S.W.
                                        Atlanta, Georgia 30303-3361
24                                      (404) 215-1317
                                        judith_wolff@gand.uscourts.gov
25

           STENOGRAPHICALLY REPORTED, COMPUTER-AIDED TRANSCRIPT
Case 1:20-cr-00228-MHC-JKL   Document 321   Filed 07/10/23   Page 2 of 85

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1       (Court was called to order at 10:07 a.m.)

2              THE COURT:    Please be seated.

3              This is the case of United States of America vs.

4    Daniel Eric Jay, Criminal Indictment No. 20-cr-228.

5              Will counsel for the parties please identify

6    themselves for the record.

7              MR. PHILLIPS:    Good morning, Your Honor.        Russell

8    Phillips and Bernita Malloy for the United States.

9              And, Your Honor, I would like to also present Ben

10   Shipp who is an intern at our office, a student at Harvard Law

11   School.

12             And this is Monika Staeva, Special Agent from the

13   FBI.   And of course you know Stephanie Schuessler from the

14   probation office.

15             THE COURT:    Morning, counsel.

16             MR. FINLAYSON:    Morning, Your Honor.        Leigh Finlayson

17   for Mr. Jay.

18             THE COURT:    Good morning, Mr. Finlayson.

19             This is a sentencing hearing following the

20   defendant's plea of guilty to Count 1 of the second

21   superseding indictment, charging him with the offense of

22   conspiracy to commit wire fraud, in violation of 18 United

23   States Code, Sections 1343 and 1349, and Count 5 of the same

24   indictment charging him with the offense of bank fraud, in

25   violation of 18 United States Code, Section 1344.

                             Friday, June 23, 2023
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1             In accordance with Rule 32 of the Federal Rules of

2    Criminal Procedure, the United States Probation office has

3    conducted a presentence investigation and prepared a

4    presentence report, a copy of which has been provided to both

5    the government and the defendant.

6             Mr. Finlayson, have you and your client had an

7    opportunity to read and discuss the presentence report?

8             MR. FINLAYSON:     We have, Your Honor.

9             THE COURT:     It appears from the record that on behalf

10   of the defendant there are no objections to the findings of

11   fact and conclusions of law; is that correct?

12            MR. FINLAYSON:     That is correct, Your Honor.

13            THE COURT:     All right.     And is there still an

14   objection from the government as to the proper increase that

15   should be provided for role in the offense?

16            MR. PHILLIPS:     Yes, Your Honor.

17            THE COURT:     All right.     The government contends that

18   paragraph 134, which would impose a two-level increase to the

19   base offense level in accordance with Section 3B1.1(c) of the

20   guidelines, because defendant was either an organizer, leader,

21   manager or supervisor in the criminal activity is not

22   sufficient because, the government contends, that the

23   defendant was a manager or supervisor in the criminal activity

24   that involved five or more persons or was otherwise extensive.

25            So, Mr. Phillips, why do you think I should go that

                             Friday, June 23, 2023
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1    route?

2               MR. PHILLIPS:   Your Honor, we believe that the

3    three-level increase is appropriate and necessary for several

4    reasons.

5               First, the only issue that the Court needs to resolve

6    is whether the criminal activity involved five or more

7    participants or was otherwise extensive.         The defendant admits

8    that he played a managerial or supervisory role in the

9    offense.    He admits that; we know that because he agrees that

10   at least a two-level role enhancement is appropriate.

11              In order to get the two-level role enhancement, he

12   had to have played a role as a manager or supervisor.            So

13   here, the only issue we're talking about is whether there were

14   five or more criminal participants or whether the scheme was

15   otherwise extensive.

16              THE COURT:   And are you talking about the Ponzi

17   scheme here or the PPP loan?

18              MR. PHILLIPS:   I'm talking about the criminal

19   activity, Your Honor.      That's the way the guidelines refer to

20   it.   It's not broken down into separate schemes; it's all the

21   activity.

22              THE COURT:   Well, the reason I ask that is because

23   with respect to Mr. Sargent, Michael Sargent, the Sargent

24   brother who did not pass, the government did not recommend a

25   role enhancement for him with respect to the Ponzi scheme.             So

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1    I would assume that you're focusing more on the PPP loan

2    scheme with respect to Mr. Jay because -- are you telling me

3    that in the government's view, Mr. Jay was that much more

4    culpable as a -- well, not a leader, but a manager or

5    supervisor in this activity than Mr. Sargent was, who got

6    zilch in terms of role enhancement.

7               I have to assume that you're looking more at the

8    PPP loan than you are at the Ponzi scheme, but if I'm wrong,

9    tell me where I'm wrong.

10              MR. PHILLIPS:   Your Honor, I respectfully would cite

11   that that's not the government's position.

12              There was no evidence that the government had that

13   Mike Sargent was supervising other people.         I think that's a

14   separate issue from culpability.       He clearly was recruiting

15   victims.    He was going online with his brother --

16              THE COURT:   Who did Jay supervise in the Ponzi

17   scheme?

18              MR. PHILLIPS:   Your Honor, he supervised a number of

19   different people, including Joey Crivelli, I filed a

20   sentencing memorandum that explained the roles that each of

21   these people played, and at page 7 of my sentencing memo, I

22   talk about Joey Crivelli and Carrie Capone.

23              First of all, the defendant admits in the PSR that --

24              THE COURT:   You filed a sentencing memo in the Jay

25   case?

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1              MR. PHILLIPS:    Yes, Your Honor.

2              THE COURT:    Under what case number?

3              MR. PHILLIPS:    It's 120-cr-228.

4              THE COURT:    Yeah, that's -- well, I swear I looked at

5    that this morning, and I did not see it.          Why don't you give

6    me --

7              MR. PHILLIPS:    I filed it on June 6, Your Honor.

8    Three weeks ago.

9              THE COURT:    All right.     Can you give me a copy,

10   please.

11             MR. PHILLIPS:    Yes, Your Honor.

12             MS. MALLOY:    I have a copy.

13             The Court has a copy.

14             MR. PHILLIPS:    Your Honor, I'm handing up a copy of

15   the government's sentencing memorandum to the courtroom

16   deputy.

17             THE COURT:    All right.     Give me a moment.

18             MR. PHILLIPS:    Yes, Your Honor.

19      (Pause.)

20             THE COURT:    Okay.   Go ahead.

21             MR. PHILLIPS:    So, Your Honor, the government had no

22   evidence that Mike Sargent was supervising other people.                In

23   order for this enhancement to apply, whether it's a two-level,

24   three-level, or a four-level role increase, the government has

25   to prove that the defendant supervised at least one other

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1    person who was criminally responsible.        We didn't have that

2    information or that evidence with respect to Mike Sargent.

3               Clearly, he was culpable.     He's out there recruiting

4    women through these online dating sites and taking advantage

5    of them, taking money from them under false pretenses.             So

6    that's what he pleaded guilty to was the Ponzi scheme.             He was

7    not involved in the bank fraud, as the Court already said.

8               We believe that there are at least ten criminally

9    responsible participants in this scheme.         The defendant admits

10   in the PSR, in paragraph 134, that he, quote, recruited Joey

11   Crivelli and Carrie Capone into this criminal activity and

12   caused them to create phony documents to support his and

13   Fayne's criminal scheme to obtain fraudulent PPP loan.             That's

14   a quote.

15              The Eleventh Circuit has said that the act of

16   recruiting others to participate in the scheme by itself is

17   sufficient for Court to apply a three-level role enhancement.

18   And I cite a couple of cases on page 7 from the Eleventh

19   Circuit holding that.

20              So those are the first two, joint --

21              THE COURT:   Well, let me just tell you this because I

22   just had a case within the last couple of weeks where I had a

23   defendant who were recruiting something -- who recruited two

24   people, and the government asked for a two-level increase,

25   which I imposed.

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1              I can't tell you how many times the government has

2    stood where you are standing and have recruitment of people,

3    and we have got a two-level role increase because that's what

4    the government has asked for.

5              So it's just a little -- I have to be consistent.

6    One of the things I have to guard against is imposing

7    different standards against different defendants when the

8    argument is similar.

9              So if the government, Mr. Phillips, came before me

10   every single time there was recruitment of a couple of people

11   into the scheme and asked for a three-level increase, I would

12   have to go back and resentence about two dozen people because

13   the government asked for two levels.

14             So why, in this case, should I depart from what I

15   have done from what the government has asked me to do in other

16   cases based on recruitment?

17             And you may have other arguments, and I think you do

18   as I read your memo just now, but if it's just recruitment,

19   you're going to have a tough time getting me to do three

20   levels when it's just contradictory to what the government has

21   asked me to do in the past.

22             MR. PHILLIPS:    Your Honor, that's not my case.

23             THE COURT:    Well, it's not your case, but it's your

24   office.

25             MR. PHILLIPS:    I mean, I led by saying that he

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1    recruited those two individuals.        That's not my only evidence

2    with respect to this defendant or with respect to those two

3    criminal participants.

4             THE COURT:     Okay.   Okay.

5             MR. PHILLIPS:     So in addition to recruiting them into

6    the scheme, he caused them to manufacture fake documents.

7    Joey Crivelli did that for purposes of both the Ponzi scheme

8    and the bank fraud.     Carrie Capone was only involved in the

9    bank fraud.

10            But I quote emails in the sentencing memo where the

11   defendant is directing both of those people to manufacture

12   fraudulent documents for purposes of carrying out the criminal

13   activity.

14            So not only did he recruit them, but he supervised

15   them, he directed them in writing to commit fraud.

16            THE COURT:     And I have had more than one, a major

17   bank fraud case that the United States Attorney's Office

18   brought where we had a leader, undisputed leader, like

19   Mr. Fayne in this case, where he got two or three other

20   individuals involved in recruiting others to create fraudulent

21   documents for mortgage fraud and other bank fraud where the

22   second level people were the ones supervising two or three

23   others to do the forged documents.

24            So we had the leader who got the four-level increase.

25   We had the middlemen or woman in this case, who got two level

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 1   increases, and then we had the recruitees who got no role

 2   because they were just brought in to doctor a few documents

 3   here and there.

 4             So the problem I'm having again is that in those

 5   cases, the government urged me to do a two-level increase for

 6   those middle-level people that actively recruited people and

 7   then supervised them as they were forging tax documents and

 8   other forms in order to perpetrate the fraud.

 9             So once again, I'm just -- I'm at a little bit of a

10   loss to say why, if Mr. Jay was basically doing what those

11   people were doing, getting the two-level increase they were

12   getting, why I should do a three-level increase for him in

13   this case.

14             MR. PHILLIPS:    Your Honor, I can explain that very

15   simply.

16             The question is, were there at least five people who

17   were criminally responsible?      Do they meet the definition of a

18   participant?   That's one thing.

19             Or was the scheme otherwise extensive?          We believe it

20   was both.    We have at least ten people who were participants.

21   The Court is focusing on a narrower version of issues that

22   pertain to role enhancements than what I'm required to prove.

23             With respect, I'm only required to prove that there

24   were five or more people who were criminally responsible.               And

25   so if the Court finds that there were five or more people who

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 1   were criminally responsible, the Court should apply the

 2   three-level role increase because that's what separates it

 3   from the two-level role increase.

 4             You only get two levels if the scheme was not

 5   otherwise extensive or if there were not five or more criminal

 6   participants.

 7             Here, as outlined in the sentencing memo, we have at

 8   least ten people who were criminally responsible.            So the

 9   courts have said, Your Honor, that a party who gives knowing

10   aid in some part of the criminal enterprise is, quote,

11   criminally responsible.     They are a participant within the

12   meaning of the guidelines.

13             So for the reasons that I have outlined in the brief,

14   first of all, we have the defendant himself, who is criminally

15   responsible.    And I cite cases from the Eleventh Circuit where

16   they say that the defendant himself should count.

17             We also have Maurice Fayne; he's number two.            The

18   court knows that he's criminally responsible.           The court

19   already found that.

20             Then we have Mike Sargent; the court convicted him as

21   well.   He was criminally responsible, and his brother who was

22   indicted by the grand jury, so they found probable cause to

23   believe that he was a criminally responsible participant in

24   the Ponzi scheme, but he died before he was held accountable.

25             But I cited cases in the brief that say that just

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 1   because somebody died doesn't mean that they can't be a

 2   criminally responsible participant.

 3             So including the defendant, those are four people who

 4   were indicted.    So if my math is correct, I only have to prove

 5   to the Court's satisfaction that there was at least one other

 6   person who was criminally responsible.         And because the

 7   defendant has admitted in the PSR, in paragraph 134, that he

 8   recruited Crivelli and Capone into the scheme, along with the

 9   additional evidence of what those people did, manufacturing

10   fake documents for purposes of furthering the scheme, they are

11   criminally responsible, Your Honor.        They meet the definition

12   of a participant, and the defendant has really not even

13   contested that.

14             In addition, we have this man named Darren Brown.

15   Darren Brown is a man who lived in Texas; he's the one who

16   introduced defendant Jay to Fayne and the Sargent brothers.

17   He was involved in the conspiracy as well.          And if the Court

18   will recall, at Mike Sargent's sentencing, we had a lady whose

19   initials are EL who came into court and spoke to the court and

20   talked about being a victim.      She is also described in the PSR

21   in this case, and she gave very moving -- a very moving

22   account of how she was defrauded by Mike Sargent in what's

23   really a romance fraud scheme that was part of this Ponzi

24   scheme.

25             But he pretended to be in love with her and took

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 1   money from her under false pretenses, allegedly for purposes

 2   of this investment in Fayne's trucking company.

 3             This Darren Brown that I'm talking about went with

 4   Mike Sargent to meet that lady, and he took -- he, Darren

 5   Brown, took, he said 6- to 7,000 in cash from that lady and

 6   deposited it into Mike Sargent's bank account.

 7             And this is what he told the FBI.

 8             Darren Brown said that the purpose of that meeting

 9   was to quote, get money from EL for Fayne's trucking deal.              So

10   clearly, he was a criminally responsible participant.

11             And if the Court will recall also that extremely

12   inflammatory and shocking text message from Mark Sargent to

13   Darren Brown, same person we're talking about, where he said,

14   we're all going to rot in jail, and he used a lot of curse

15   words, and he talked about what the government was going to

16   charge them with because this was a scheme, and that they all

17   knew it was a scheme.     And that's cited on page 10 of my

18   brief.   I quote that.

19             So Darren Brown is aware that this is a fraud, and he

20   is taking money from one of the victims and depositing it into

21   Mike Sargent's bank account.      Clearly, he is criminally

22   responsible; he is a participant within the meaning of the

23   guidelines.

24             Next is a lady named Ganell, G-A-N-E-L-L, Tubbs.              She

25   is also known as Aunt G.     She is Maurice Fayne's aunt, and she

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 1   was his right-hand man.       She did all of his, for lack of a

 2   better term, Photoshop work.       She created fake documents for

 3   Fayne at his direction and filed them with companies that

 4   regulated or -- not companies, but agencies that regulated the

 5   trucking industry.      She filed fake documents with banks.             She

 6   was involved in Fayne's fraudulent Texas driver's license that

 7   he had in the name of a man named Duron Porter.

 8             She was involved in communications with Ponzi

 9   investors.   She is having very explicit conversations with

10   Fayne that I have outlined in my brief on page 11, where she

11   talks about her knowing, understanding that they are running a

12   Ponzi scheme, and she is assisting Fayne in doing the

13   administerial work associated with keeping that scheme going.

14             And in addition, she pleaded guilty to a $400,000

15   fraudulent PPP loan of her own in the Eastern District of

16   Arkansas, and she was sentenced in that case, and I talk about

17   that on page 12 of my brief.

18             Clearly, she is a criminally responsible participant.

19             Then we have a man named Tyriece Vaughn, he received

20   $175,000 of the PPP loan proceeds from Fayne, and Fayne

21   directed him to make payments to people who were involved in

22   the Ponzi scheme.       He was a middleman who had recruited these

23   people, and Fayne tells him, as I outline on page 13 of my

24   brief, I want you to send 60K to Patrick, 65K to Victor, 15K

25   for your NFL guy, 15K to you, and 175K to this woman who is a

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 1   victim, named Jimia Cain.

 2             And he does that, and then Fayne wires the money to

 3   him, and he carries out Fayne's instructions.           He is a

 4   criminally responsible participant in the Ponzi scheme.

 5             Next, we have Kawanza Wilkins --

 6             THE COURT:    So is it the government's position that

 7   if the leader of the scheme recruits five people into the

 8   scheme and a codefendant recruits, let's just say one person

 9   into the scheme, you add five plus one, and that applies to

10   both defendants.

11             MR. PHILLIPS:    Well, Your Honor, I think the Court is

12   focusing on recruitment.     But the issue that the government

13   has to prove is whether the person meets the definition of a

14   participant.   That's what the guidelines talk about.

15             THE COURT:    But you're not answering my question

16   because, again, my -- you can get my concern, Mr. Phillips.

17   My concern is you're asking me to do what some of your

18   colleagues don't ask me to do in other cases.

19             So I'm trying to figure out why I should do it in

20   this case where I haven't done it in other cases.

21             And what I'm hearing you telling me, and I may be

22   hearing you wrong, and correct me if I'm wrong, and I am

23   focusing on recruitment because a lot of times the government

24   does, too.   So here's the point; the point I'm making is, and

25   I think everyone in this courtroom agrees, that Maurice Fayne,

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 1   as I think I said at Mr. Sargent's hearing, the driver of the

 2   car.   And that the Sargent brothers and Mr. Jay were the gears

 3   of that car.   And that if any of those gears had stopped, if

 4   any of those people had stopped what they were doing,

 5   Mr. Fayne couldn't have done what he did.          So they were active

 6   participants in what happened.

 7             But Fayne was the driver.      So a lot of what you're

 8   telling me here is that Fayne recruited, Fayne did this, Fayne

 9   did this, but because now you're taking the position that well

10   that's one, you count him, you can count him, you can count

11   her, and put that on Jay to be able to increase the role from

12   a two to a three.

13             And my point is that -- is it the government's

14   position that you get to the -- and I know you're saying he

15   gets to the five without even talking about all the Fayne

16   people, but is it the government's position that you can just

17   add all the folks that the leader recruits into a scheme on

18   top of what the codefendant recruits to get to the five?

19             MR. PHILLIPS:    Yes.

20             THE COURT:    Okay.   Well, that's -- that's news to me.

21             MR. PHILLIPS:    Here's the reason that that is my

22   position, and I respectfully believe that that is the law,

23   Your Honor.    And that is because we have to go back to what

24   the guidelines say.     We have to prove that somebody is a

25   participant.   That means they're criminally responsible in

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 1   some way for the scheme.

 2             As I said earlier, that they provided knowing aid in

 3   some part of the criminal enterprise.        That makes them a

 4   participant.   You don't stop being a participant in the

 5   criminal activity because you were recruited into the scheme

 6   by the leader.

 7             So recruitment is just one way that a person shows

 8   that he is a leader, a supervisor, a manager.           It's not the

 9   only way; it's one way.

10             The guidelines talk about other things, like --

11             THE COURT:    So why didn't Sargent get a three-level

12   reduction?   He was involved in the same scheme that you say

13   involved five or more people.      It doesn't matter whether he

14   recruited them or not based on what you just told me, so these

15   people were all involved in the Ponzi scheme as you said,

16   what's the difference if Mr. Sargent didn't have direct

17   contact with them, that you just told me it doesn't matter

18   that Maurice Fayne was the one that recruited them, it's part

19   of the same criminal activity.

20             So the Ponzi scheme was the same criminal activity.

21             MR. PHILLIPS:    That's true, Your Honor.         But the

22   difference is in order to get this role enhancement, not only

23   does the government have to show that there were five or more

24   criminally responsible participants, we have to show that the

25   defendant, who is getting that role enhancement, supervised at

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 1   least one of those people.      That's the difference.

 2             You got to have the number of participants, but then

 3   you have to show, on the other hand, that the defendant, who

 4   is getting a role increase, actively supervised one of those

 5   criminally responsible participants.

 6             He didn't have to supervise all of them, he just has

 7   to supervise at least one of them.       And we didn't have the

 8   supervision evidence with respect to Mike Sargent.            We had the

 9   number of participants.     The Court is correct; you do lump

10   them all together because that determines what kind of a

11   scheme you have.

12             It goes to the issue of how many participants there

13   were.   It also goes to the issue of whether the scheme was

14   otherwise extensive.     But if there is not evidence that the

15   defendant against whom you want to apply the role increase

16   supervised or managed or directed at least one of those

17   people, he can't get a role increase.

18             That's the difference, Your Honor.

19             THE COURT:    Okay.

20             MR. PHILLIPS:    So here, we have both.        We have at

21   least ten participants, and we have clear evidence that the

22   defendant, Dan Jay, supervised a number of those people, more

23   than one.   I only have to show one, but he supervised at least

24   Crivelli and Capone.

25             And there is also evidence in the brief, Your Honor,

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 1   that he sued --

 2             THE COURT:    For a lot of cases that I have heard

 3   before where a member of your office has come before me

 4   involving mortgage fraud and bank fraud where I have had

 5   codefendants clearly supervising more than one person in

 6   preparing fictitious documents in order to perpetrate the

 7   fraud when the government urged me to apply a two-level role

 8   enhancement, that was an error of the government?

 9             MR. PHILLIPS:    Your Honor, I'm not familiar with the

10   facts of the cases that the Court is citing, so I have to

11   defer to the Court on that.       The Court is aware of those

12   facts; I'm not.

13             THE COURT:    Okay.

14             MR. PHILLIPS:    And I believe that I am accurately

15   describing the guidelines and the relevant Eleventh Circuit --

16             THE COURT:    Your co-counsel is shaking her head.            Do

17   you disagree with what I just said?        If I'm wrong, tell me.

18             MS. MALLOY:    Based on what I know, I believe that

19   that's correct.    I mean, Mr. Phillips is correct in terms of

20   --

21             THE COURT:    Okay.   Well, because you weren't in the

22   courtroom when your colleagues made the two-level increase

23   argument.

24             MS. MALLOY:    Right.   That's the problem.

25             THE COURT:    That's the problem.      That's why I'm up

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 1   here, because I hear all the cases and you don't, so I have

 2   got to be the one to determine what is fair.

 3              MS. MALLOY:    Right.

 4              THE COURT:    Look, Mr. Jay is going to get a severe

 5   prison sentence out of this case.        We're talking about whether

 6   the guideline goes up a little bit because of this or not.               I

 7   understand that.

 8              But I just -- my concern, and it is a continuing

 9   concern, it's not just in this case, is the consistency of the

10   government's arguments in other cases.

11              So one of the 3553(a) factors, as you well are aware

12   that I have to consider is to make sure that there is no

13   disparity.

14              I mean, that's my job, not yours.         So when I see

15   there may be something disparate, I have got to consider that.

16              MR. PHILLIPS:    I understand that, Your Honor.          And I

17   certainly would not stand up here and try to talk the Court

18   into doing something that I believed was inconsistent.              Not in

19   this case or if I had knowledge of other cases that the

20   Court --

21              THE COURT:    I'm not blaming you for it.         I'm not.    I

22   really am not.    I'm just trying to be fair.

23              MR. PHILLIPS:    I understand.     But my job is to

24   explain the law and the facts of this case, and I don't

25   believe that we have done anything in this case with respect

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 1   to the other people who were convicted that's inconsistent.

 2             THE COURT:    I hear you.

 3             MR. PHILLIPS:    Mr. Fayne got a four-level role

 4   increase, Sargent got none, but I had evidence of five or more

 5   participants with Fayne and clearly evidence of him

 6   supervising at least one person.

 7             So I just would like to point out on page 2 of my

 8   brief, the Eleventh Circuit case that I cited, Riveras, 401

 9   Federal Appeals 413, where the Eleventh Circuit said to apply

10   the role enhancement, any role enhancement under 3B1.1, the

11   court must find that the defendant directed at least one other

12   participant.

13             So we have that here.        We did not have that with

14   respect to Mike Sargent.     So I don't believe I'm asking the

15   Court to do anything that's inconsistent.

16             So the defendant is not contesting that he should

17   receive a two-level role increase.         He's only contesting

18   whether he should get that additional one level.

19             So let me just finish, Your Honor --

20             THE COURT:    Sure.

21             MR. PHILLIPS:    -- and I'll wrap this up.          I know I

22   have spent a lot of the Court's time just talking about this

23   issue.

24             But Kawanza Wilkins is the final person.            She is a

25   person who was supervised and directed by Maurice Fayne, not

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 1   by Dan Jay, but clearly, she is a criminally responsible

 2   participant.

 3             But let me just finish with respect to the people

 4   that Dan Jay supervised.

 5             So not only Crivelli and Capone because they

 6   manufactured fake documents at his direction, but if the Court

 7   would look at the bottom of page 9 of my sentencing memo, the

 8   last paragraph.    And I talk about in a text message that

 9   defendant Jay sent to Mike Sargent on November 5, 2017,

10   defendant Jay said, quote, I got Darren, meaning Darren Brown,

11   using Christian's bond as story for 6K.         Any luck for you?

12             So this is Ponzi language, Your Honor.          Mike Sargent

13   and Dan Jay are talking about part of the Ponzi scheme that

14   they were running.      He said I have got somebody doing

15   something as a story to get 6K.        He uses those words.       As a

16   story.   It's clearly fraud.

17             So that is an example that on at least that one

18   occasion, Dan Jay is supervising Darren Brown.           He says I got

19   Darren using this fake stuff as a story to steal $6,000 from

20   an investor.

21             So that's three people this defendant participated --

22   this defendant supervised/managed.

23             So we have got five or more participants, and we have

24   the defendant supervising at least one of those criminally

25   responsible participants.

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 1             For those reasons, I believe that the Court should

 2   find that the three-level role enhancement is appropriate.

 3             And finally, even if the Court were to find that we

 4   didn't have five participants, the Court should find that the

 5   scheme was, quote, otherwise extensive.         That's the phrase

 6   that's used in the sentencing guidelines.

 7             And the guidelines don't offer much guidance as to

 8   what that term "otherwise extensive" means.             And some judges,

 9   as a result, have looked to the dictionary for definitions to

10   help them out with that.

11             So I have cited some of those on page 16 of the

12   brief, and the Eleventh Circuit has said that in determining

13   whether the criminal activity was otherwise extensive, courts

14   should look at, quote, the length and scope of the criminal

15   activity as well as the number of persons involved.

16             So this is important, Judge, because even if you find

17   that my office has been inconsistent in other cases in

18   defining to this Court what a participant is, you don't have

19   to worry about that here because this scheme was "otherwise

20   extensive."

21             And we know that --

22             THE COURT:    Well, I have had other schemes that the

23   government has also brought before me in sentencing that are,

24   I don't know whether to call them extensive or not, but they

25   involve over a dozen people, they involve a large number of

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 1   fraudulent documents, it was sort of a factory situation,

 2   almost like a -- you had some people doing forgeries, you had

 3   some people doing document preparation, there were different

 4   roles for different people in the scheme.

 5             So once again, the government never argued for three

 6   levels for those individuals who were supervising others as

 7   part of a rather large scheme.         I mean, was it extensive?

 8   Some might argue it was extensive.

 9             So again -- and again, I'm not saying all this as a

10   critique of anything that you are arguing about this case

11   necessarily.   I'm saying it as a critique of the consistency

12   of what the United States Attorney's Office argues before me

13   when you have got fraud schemes that are not all that

14   different in terms of the scope, the number of people

15   involved, and the supervision of the middle-level people.

16             So that's what's hanging me up here.           I got to be

17   honest with you.

18             So I hear what you're saying, Mr. Phillips.             I don't

19   say that your argument is necessarily flawed, but I have got

20   to consider what I have done in other cases that are similar.

21             MR. PHILLIPS:    Yes, Your Honor.

22             THE COURT:    Okay.

23             Thank you.

24             MR. PHILLIPS:    Thank you for allowing me to talk.

25             THE COURT:    Sure.

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 1              Mr. Finlayson.

 2              MR. FINLAYSON:   We did spend a lot of time on one

 3   point.

 4              THE COURT:   We did.

 5              MR. FINLAYSON:   I appreciate that, Your Honor,

 6   because every point does make a difference and does count.

 7              Your Honor, Mr. Phillips has done something here

 8   today, and I realize how he gets it wrong and how

 9   Ms. Schuessler got it right.      He repeatedly used the singular

10   in terms of the offense, the scheme, and he is commingling, if

11   you will, the two different counts of conviction here in

12   trying to smush them together and say, oh, we take these

13   people from here, and we take these people from here, and

14   that's how we get to the five.

15              And that's, with all due respect, that's just not the

16   way we should do it because if that were allowed, you could

17   have a three-count indictment where there are two people

18   supervising in one count, two people supervising in a

19   different count, and two people supervising in a third count,

20   and you say well -- and the defendant maybe had some

21   supervisory role in the second count but not in the other two

22   counts, and you say, well, we're going to add that all

23   together and get to the five and give him the three-point

24   bump.    And that's what the government is trying to do here.

25              So I think when you really read what Ms. Schuessler

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 1   wrote, it's like in the Ponzi scheme, there is no evidence

 2   that he was a supervisor leader.        Furthermore, Mike Sargent

 3   didn't get any kind of role enhancement.

 4              And Mr. Phillips has said two or three times today we

 5   didn't have any evidence Mike Sargent supervised anybody.

 6   With all due respect, he supervised and directed his own

 7   brother Mark repeatedly.       He supervised and directed Darren

 8   Brown repeatedly.       And they have that evidence.       They had

 9   those emails.

10              If the government wanted to make the same arguments

11   about role as to Mike Sargent, they could have done so, but

12   they didn't.    And again, he got zero, and we have agreed to

13   eat two.

14              And in some ways, do I regret that because

15   Mr. Phillips has sort of taken that concession of the two and

16   sort of tried to twist it against us to say, if you admitted

17   that, you are really getting three, and I think that goes too

18   far.

19              So when we look at -- again, the Ponzi scheme, the

20   evidence is not there that Mr. Jay supervised people.              When we

21   get to the PPP fraud scheme, then we start talking about,

22   well, first of all, who was a criminal participant?             The

23   government has to prove to you that they were criminal

24   participants.    And Mr. Phillips has said, well, the defense,

25   they admitted in paragraph 134 that Joey Crivelli was a --

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 1   that he recruited him and he directed him to do things.                Just

 2   to be clear, I filed a clarification objection, which the

 3   probation officer included, said we do not concede that Joey

 4   Crivelli was a knowing criminal participant for purposes of

 5   analysis or counting under 31.1, so we have not conceded that

 6   point.

 7             And there are several people, several names that the

 8   government has discussed here today saying, oh, they are

 9   criminal participants.     That doesn't get it.         They can't

10   just -- we can -- it's nice to throw a label out there, but

11   there has got to be evidence that people were knowing criminal

12   participants for purposes of being counted.

13             How do they prove that?      They have to prove intent;

14   they have to prove knowledge.      If you are doing a fraud scheme

15   and you hire an accountant, and the accountant helps you in

16   the fraud scheme somehow, they may or may not know.            But the

17   government has got to prove, to count that person, to make

18   them part of that conspiracy, there has got to be some showing

19   of proof.   Just to slap a label on people saying, oh, they

20   were knowing participants and criminal participants, we're

21   going to count them for this issue, that's not enough.

22             And with all due respect, there has got to be a

23   greater showing.    And the fact is they didn't indict any of

24   these people.    And Mr. Phillips is right in his argument that

25   we don't have to indict them, he writes that in his memo, but

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 1   they don't have to indict them, but there has got to be some

 2   proof that they were knowing criminal participants.

 3             Sort of the other overarching scheme here, and it

 4   goes to your question, Your Honor, well if the leader brings

 5   in five people and you bring in one, do you get the five the

 6   leader brought in, and the answer to that is, he said yes, I

 7   say maybe.   And in this case, no.

 8             And the reason for that is if you read the case law

 9   in this area, when we start counting criminal participants,

10   it's the law of relevant conduct that governs how we count

11   criminal participants.       What's the law of relevant conduct?

12   What is the test?       What makes other people or other conduct

13   relevant conduct for purposes of counting in your sentence?

14   Scope of the agreement and reasonable foreseeability.

15             The scope of Dan Jay's agreement did not cover these

16   people he's talked about.      You can say Carrie Capone, sure.

17   We can argue Crivelli all day long, perhaps.             But these other

18   folks he has mentioned?       Dan Jay, his agreement did not cover

19   those people at all.      He didn't get a piece of what they were

20   doing.   The Aunt G that got prosecuted for her own PPP fraud

21   up in Tennessee, Dan Jay didn't get any of that money.              He

22   wasn't working with her.      He didn't know these people.          You

23   don't have to know them, but you have to have reasonable

24   foreseeability of them and they have to be within the scope of

25   your agreement.    That's the test of relevant conduct.

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 1             So this list of names, he just doesn't -- he doesn't

 2   get to five.   He doesn't get it.

 3             In the PPP side, we have Dan Jay, yes.           Maurice

 4   Fayne, yes.    Mike Sargent, no.       And I originally made a

 5   mistake; I fell for it.     I was thinking, well, you have got to

 6   count the Sargents because they were indicted.            They were only

 7   indicted in the Ponzi scheme.      They were not in the PPP.             You

 8   don't count them for the PPP.      They didn't do it, apparently.

 9             Joey Crivelli, I would say no, but I understand the

10   argument.   I would say it's in the "maybe" category.             I don't

11   think it's enough to meet the test.

12             Carrie Capone is a yes.

13             Darren Brown is a no.        Darren Brown was in the Ponzi

14   scheme side.   He doesn't count.

15             Ganell Tubbs, she is down the stream; she is

16   Mr. Fayne's Aunt G.     Dan Jay didn't have an agreement that

17   covered her.   He didn't know her; he never met her.            Same with

18   Tyriece Vaughn.    Also not within the scope of Dan Jay's

19   agreement or within his reasonable foreseeability.

20             The government's argument seems to be Fayne gets all

21   this money, and he starts doing crooked things down the line

22   with it or sends it down the line or has other people over

23   here that he should get three level bump because of those

24   people.

25             I think it goes too far.       It's not within the scope

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 1   of his agreement, it's not reasonably foreseeable, and it's

 2   not fair.

 3             The probation officer got it exactly right.            Given

 4   what Mike Sargent got, zero, and we have agreed to two levels,

 5   that is more than enough here in this case.

 6             THE COURT:    All right.

 7             Anything further, Mr. Phillips?

 8             MR. PHILLIPS:    Just very briefly.       Mr. Finlayson

 9   talked about relevant conduct; I just want to address that

10   issue.

11             He is right; the cases do talk about relevant conduct

12   when they are talking about the criminal activity and deciding

13   what the Court should look at to determine whether the scheme

14   was otherwise extensive and who participated in that scheme.

15             But I want the Court to remember, please, that the

16   PPP refund, the bank fraud is relevant conduct for the Ponzi

17   scheme.   Why?   Because Dan Jay told Maurice Fayne you can get

18   a PPP loan and use the money to make payments to people

19   involved in the Ponzi scheme.      And that's exactly what Fayne

20   did.   And he made a payment to Mr. Jay, for example.            He made

21   a payment to Mike Sargent.      He made that payment that I talked

22   about earlier to Tyriece Vaughn and directed Vaughn to

23   distribute the money for him to other people who were involved

24   in the scheme.

25             So it is relevant conduct.

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 1             So all of these things are lumped together for

 2   purposes of determining whether there were five or more

 3   participants and determining whether the scheme was otherwise

 4   extensive.

 5             But even if the Court says I don't buy that, I'm only

 6   going to look at the Ponzi scheme and determine whether there

 7   were five or more people there or it was otherwise extensive,

 8   the Court should find that it meets both of those tests

 9   because we have Jay, we have Fayne, we have both Sargent

10   brothers, and we have Crivelli and Darren Brown, who were

11   criminally responsible participants in the Ponzi scheme.

12             That's at least six people, Judge, who were

13   criminally responsible participants.        They meet the

14   definition, and the government has met its burden of proving

15   that the three-level increase is appropriate and necessary in

16   this case.

17             Thank you.

18             THE COURT:    All right.     Thank you.

19             Anything further?

20             MR. FINLAYSON:    No, Your Honor.

21             THE COURT:    Okay.   I'm going to overrule the

22   objection of the government to paragraph 134 of the PSR and

23   impose a two-level increase to the base offense level in

24   accordance with Section 3B1.1(c) of the guidelines because the

25   defendant was an organizer, leader, manager, or supervisor in

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 1   the criminal activity, but I don't find that the government

 2   has proven by a preponderance of the evidence that he should

 3   be given a three-level increase under Section 3B1.1(b).

 4             And let me say that a lot of my ruling here is based

 5   on the inconsistency of positions taken by the United States

 6   Attorney's Office in cases similar to this.             And when I'm

 7   talking about cases similar to this, I'm talking about wire

 8   fraud and bank fraud cases.

 9             The three-level increase is rare.         I rarely have the

10   government arguing for a three-level increase in any case.

11   It's usually four or two.     That's just the way it has been

12   since I have been here.     And I will tell you that there are at

13   least two multiple defendant situations that I have been aware

14   of where that occurred, and you had very much the situation

15   that Mr. Phillips was talking about, and that is you had the

16   ultimate leader, like Mr. Fayne who was the puppeteer, if you

17   will, and then there were two or three mid-level people that

18   were managers of the fraud scheme who recruited a number of

19   individuals to participate in the fraud and directed those

20   individuals in what their conduct was as part of the fraud.

21             And I have imposed regularly two-level increases to

22   those folks based on the government's arguments in front of

23   me, some of which have been agreed to by the defense, some of

24   which have been not agreed to by the defense who have said

25   don't impose anything, and I thought the evidence supported

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 1   imposing a two-level increase.         I just don't think it supports

 2   it here, so that's why I'm overruling the objection.

 3              No other objections from the government; is that

 4   correct?

 5              MR. PHILLIPS:   That's correct, Your Honor.

 6              THE COURT:   All right.      I will adopt the findings of

 7   fact and conclusions of law in the PSR as to which no

 8   objections have been made.

 9              My guideline calculations are as follows using the

10   2021 edition of the manual.      First, as stated in paragraph 129

11   of the PSR, under Section 3D1.2(d) of the guidelines, all

12   counts involving substantially the same harm shall be grouped

13   together into a single group as when the offense level is

14   determined largely on the basis of the total harm or loss, so

15   Counts 1 and 5 are treated in the same grouping.

16              As set forth in paragraph 130 of the PSR, the

17   appropriate guideline for a violation of 18 United States

18   Code, Section 1349, is found in Section 2X1.1 of the manual,

19   which instructs, under section A, to apply the base offense

20   level from the guideline for the substantive offense, plus any

21   adjustments from such guideline for any intended offense

22   conduct.

23              Substantive offense is wire fraud under Section 1343,

24   and the applicable guideline section is Section 2B1.1, which

25   is also the applicable guideline for a violation of 18 United

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 1   States Code, Section 1344.

 2              Under Section 2B1.1(a)(1), because the offense of

 3   conviction has a statutory maximum term of imprisonment of at

 4   least 20 years, the base offense level is 7.

 5              As set forth in paragraph 131 of the PSR, in

 6   accordance with Section 2B1.1(b)(1)(J), 18 levels are added to

 7   the base offense level because the loss amount was greater

 8   than $3.5 million and less than $9.5 million.

 9              In this case, the parties agree the actual loss in

10   this case is within the guideline calculation.

11              As set forth in paragraph 132 of the PSR, pursuant to

12   Section 2B1.1(b)(2)(A)(i), two levels are added to the base

13   offense level because the offense resulted in substantial

14   hardship to one or more victims and/or involved ten or more

15   victims.

16              The evidence in this case shows that the offense

17   involved at least 20 victims, causing at least one victim to

18   file for bankruptcy.

19              There are no victim-related adjustments.

20              As set forth in paragraph 134 of the PSR, pursuant to

21   Section 3B1.1(c), two levels are added to the base offense

22   level because the defendant was an organizer or leader in the

23   criminal activity.

24              In this case, the defendant recruited two -- I'm

25   sorry, in this case, the defendant recruited a number of

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 1   individuals to facilitate the fraudulent documents used to

 2   obtain the PPP loan.

 3              As set forth in paragraph 135 of the PSR, pursuant to

 4   Section 3C1.1, two levels are added to the base offense level

 5   if the defendant willfully obstructed or impeded or attempted

 6   to obstruct or impede the administration of justice with

 7   respect to the investigation, prosecution, or sentencing of

 8   the offense of conviction and the obstructive conduct related

 9   to the defendant's offense of conviction or a closely related

10   offense.

11              In this case, the defendant failed to appear at the

12   scheduled trial in this case and absconded from pretrial

13   supervision.

14              Based on the foregoing, the adjusted offense level is

15   31.

16              In accordance with paragraph 138 of the PSR, the

17   defendant receives a two-level downward adjustment for

18   acceptance of responsibility.      That results in a total offense

19   level of 29.

20              There is a plea agreement in this case in which the

21   parties have agreed to imposition of all the guidelines that I

22   have just talked about, with the exception of the role in the

23   offense adjustment, and we have dealt with that here today.

24              As stated in paragraph 142, the defendant has no

25   criminal history points, which establishes a criminal history

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 1   category 1.   As set forth in paragraphs 173 to 177, the

 2   defendant does not have the ability to pay a fine within the

 3   guideline range of this case, and he has a substantial

 4   restitution obligation.

 5             Sentencing options are as follows.            The statutory

 6   penalty for Counts 1 and 5 is a term of imprisonment of up to

 7   30 years and a fine of up to $1 million or twice the gain or

 8   twice the loss as to each count.

 9             There's no mandatory minimum sentence.

10             With a total offense level of 29 and a criminal

11   history category of one, the custody guideline range is 87 to

12   108 months.   The fine guideline range is 30,000 to $300,000.

13             There's a restitution obligation of $4,465,865.55,

14   which is joint and several with Maurice Fayne and partially

15   with Mr. Sargent, is that correct, Mr. Phillips?             Or not.

16             MR. PHILLIPS:    Yes.

17             THE COURT:    I think it's partial with respect --

18             MR. PHILLIPS:    The Ponzi scheme part --

19             THE COURT:    Yes.

20             MR. PHILLIPS:    -- but not for the --

21             THE COURT:    Not for the PPP part.       Correct.      Okay.

22             MR. PHILLIPS:    That's correct.

23             THE COURT:    The special assessment is $200.

24             Is there any remaining forfeiture in this case?

25             MR. PHILLIPS:    No, Your Honor, there is not.

                             Friday, June 23, 2023
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 1             THE COURT:    The Court could impose the cost of

 2   confinement of 44,258 annually or a cost of supervision of

 3   $4,454 annually, or both.

 4             There is no probation option.        There is a term of

 5   supervised release of two to five years as to each count, and

 6   the defendant is a citizen of the United States.

 7             Any objection to the guideline calculations as stated

 8   by the Court, on behalf of the government?

 9             MR. PHILLIPS:    No, Your Honor.

10             THE COURT:    Any objection on behalf of the defendant?

11             MR. FINLAYSON:    No, Your Honor.

12             THE COURT:    All right.     Let me hear from the parties

13   regarding what a fair and reasonable sentence would be in this

14   case.   Concerning the 3553(a) factors, I have reviewed the

15   sentencing memorandum in this case as well as the supportive

16   material filed by the defendant.

17             Mr. Phillips.

18             MR. PHILLIPS:    Thank you, Your Honor.

19             Your Honor, I think the Court would agree with me

20   that Maurice Fayne is the most culpable person in this case.

21   The Court sentenced him to 210 months.

22             Mike Sargent pleaded guilty to a criminal

23   information, charging him with conspiracy under code section

24   18 U.S.C. 371, which has a 60-month cap.         So the court

25   sentenced Mike Sargent to the statutory maximum of 60 months.

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 1              I think defendant Jay should be sentenced somewhere

 2   between those two.      He is not as culpable as Fayne.        He didn't

 3   get the lion's share of the money; Fayne did.           Fayne was

 4   driving the car, as the Court has already said.           He's clearly

 5   the most culpable.      But Dan Jay is more culpable than Mike

 6   Sargent.    First of all, he's involved in more schemes.

 7   Sargent was not involved in the PPP fraud, but Dan Jay was.

 8   In fact, it was Dan Jay's idea for Fayne to apply for a

 9   fraudulent PPP loan.     We know that because we have his text

10   messages, and he tells Fayne, you should do this, and Fayne

11   says send me the documents, explain to me what's going on, Jay

12   does, then Jay recruits Carrie Capone to help fill out the

13   paperwork, and she prepares fraudulent documents and falsely

14   represents to the bank that she is a CPA, which she was not.

15              So he's more culpable than Mike Sargent.

16              I'm not sure what sentence the Court would have

17   imposed if there hadn't been a statutory cap of 60 months on

18   Mike Sargent; whether the Court would have gone above that or

19   not, I don't know.

20              But I think that a sentence that is within the

21   guideline range, as the Court said, which is 87 to 108 months,

22   would be appropriate.

23              If the Court were to sentence the defendant at the

24   middle of the guideline range, that would be 87 months, by my

25   calculations.    So I think that's an appropriate sentence --

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 1              THE COURT:   87 is the low end.

 2              MR. PHILLIPS:   I'm sorry.

 3              THE COURT:   87 to 108.

 4              MR. PHILLIPS:   97.    I can't read my own writing.          If

 5   you were to split the difference.       There's 21 months

 6   difference between 108 and 87; split the difference, it comes

 7   out to be 97 months.     That's what we're asking for, 97 months.

 8              The reason we think that's a fair and appropriate

 9   sentence under 3553(a) is because -- well, a number of

10   factors.    Obviously, these are extremely serious crimes.

11   Participating in a Ponzi scheme where there are 19 victims,

12   individual victims from different states, from Texas and

13   Arkansas and Washington State and others, is clearly an

14   extensive scheme.

15              The scheme lasted more than seven years, from March

16   2013 through May 2020, and resulted in a total loss of more

17   than $4.4 million to those victims.

18              So 19 individuals in seven different states.           Plus,

19   we have got a PPP fraud that involved a federally insured bank

20   and the United States Small Business Administration.

21              Taking advantage of your fellow citizens and stealing

22   money that was intended to help people who were already

23   hurting during a pandemic.       That money was money that the

24   taxpayers of the United States had committed to try to support

25   small businesses and keep people employed and keep businesses

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 1   open during the pandemic.

 2             And this defendant and Maurice Fayne decided they

 3   would steal as much of it as they could get their hands on.

 4   In fact, they were shocked at how much they were able to get,

 5   and they got it just by creating phony paperwork.             They filled

 6   out an application that said that Fayne had more than 100

 7   employees in his trucking company and a monthly payroll of

 8   more than a million and a half dollars.          They just made it up

 9   and just sent it in, and the government said, trying to

10   control this pandemic financially is so important, we don't

11   have time to properly vet these applications.

12             So if you meet our criteria and you swear that this

13   is the truth, we're going to give you the money, and that's

14   what they did.

15             And it worked because it kept the economy going until

16   people could get back on their feet and get back to work.

17             But people like Jay and Fayne stole a substantial

18   part of that money that the taxpayers are on the hook for.               So

19   it is an extremely serious crime, and it calls for a serious

20   sentence.   Not only to send the appropriate message that the

21   United States take these matters very seriously, the court

22   takes them seriously, but also to appropriately punish the

23   people who were involved.

24             So we think that sentence of 97 months does that.              It

25   sends the appropriate message.         It says this is a serious

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 1   crime, and it says we're going to punish you, we are going to

 2   deter people in the future as best we can through this

 3   sentence from committing similar crimes in the future.

 4              Let's hope we don't have another pandemic, but there

 5   is lots of bank fraud, there's lots of Ponzi schemes out

 6   there, we want to send a message we take this seriously, and

 7   people who are thinking about participating in that type of

 8   criminal activity should be warned that if you do, you are

 9   going to be held accountable and you're going to face a

10   lengthy prison sentence.     So we think it's appropriate for

11   that reason.

12              It's not harsh; it's not more than is necessary to do

13   the job.    And we think it sends the appropriate message.              I

14   totally agree with what the Court said earlier.           It is

15   extremely important for the Court to be consistent, and I know

16   the Court has expressed that it wants to do that.            We think

17   that this is -- a 97-month sentence would be an appropriate

18   sentence because it shows that Maurice Fayne is more culpable

19   and it shows that Mike Sargent, who only participated in the

20   one scheme, is less culpable, and Dan Jay's sentence would be

21   in the middle.

22              So for all of those reasons and all the reasons that

23   I put in my sentencing memo, Judge, and all of the horrible

24   factors about what they did to people in this Ponzi scheme, we

25   think it's an appropriate sentence.

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 1             If the Court will recall the lady who spoke, she is

 2   just one of those victims.

 3             THE COURT:    I remember that testimony.

 4             MR. PHILLIPS:    It was moving.      It was just

 5   gut-wrenching to hear that somebody's life is turned upside

 6   down by people who were so callous.

 7             And they documented their behavior in text messages,

 8   in emails, and other documents.        They left a long paper trail.

 9   So we know that that's what's happened.

10             And I appreciate Mr. Jay coming in and accepting

11   responsibility, even after he put us to the trouble and

12   expense of preparing for trial, I know that my office spent a

13   lot of time and a lot of money getting ready for that trial,

14   I'm sure the Court did too, and we were all ready to go, and

15   at the last minute, Mr. Jay didn't show up.             And then he ran,

16   and he's gone for six months, hiding from the government until

17   he is finally caught and brought to justice.

18             And then, thanks to good lawyering from

19   Mr. Finlayson, the defendant has changed his attitude, and he

20   has accepted responsibility, but not before putting the

21   government to that tremendous trouble and expense of getting

22   ready for that trial and then running away.

23             So for all of these reasons, Judge, we're asking the

24   Court to impose a sentence of 97 months.

25             THE COURT:    Thank you, Mr. Phillips.

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 1              Mr. Finlayson.

 2              MR. FINLAYSON:   With all due respect, 97 is far more

 3   than necessary to meet the appropriate level of justice in

 4   this case.    It's more than necessary to meet the deterrence

 5   factors.    It is more than necessary when taking into account

 6   the history and characteristics of Mr. Jay.

 7              It is sort of interesting when we start looking at

 8   disparities and trying to weigh who is more culpable, who is

 9   more bad, who did more, who was worse.         When we go back and we

10   look at the history and characteristics of Mr. Fayne, he had

11   criminal history category 4.      This was hardly his first rodeo.

12              Mr. Mike Sargent, who got 60 months, he was criminal

13   history category 3.     Mike Sargent had a prior conviction, been

14   to prison previously for fraud, and then he gets arrested in

15   Texas on state charges, for fraud, and then continued to

16   commit more fraud in this case.

17              So Mike Sargent wasn't involved in the PPP fraud, but

18   he sure was involved in the Ponzi scheme up to his eyeballs,

19   and he had this record that's significantly worse than

20   Mr. Jay.

21              Mr. Jay comes before the Court with zero criminal

22   history points, and the Court may be aware that as of November

23   1st, the new guideline amendments will come into play,

24   assuming Congress doesn't meddle with them, which they

25   probably have got other things to do, the new guidelines will

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 1   come into play and there will be a new reduction built into

 2   the guidelines for people like Mr. Jay with zero criminal

 3   history points.

 4             There will be a two-level reduction built into the

 5   guidelines for zero criminal history points because the

 6   sentencing commission, although I may disagree with them on

 7   many things, I do agree with them on this, that they have

 8   realized and they recognize that zero criminal history points

 9   means something.    It's a big deal.     It's something that we

10   don't see every day, and it doesn't apply to every defendant.

11             So the fact that Mr. Jay comes here with zero

12   criminal history points, this is his first, first conviction

13   ever.    This is his first rodeo.      Mike Sargent, it was not his

14   first rodeo.   Mr. Fayne, it was his fifth rodeo.

15             So when you start weighing out what's a fair

16   sentence, and you compare them, the fact that Mike Sargent

17   wasn't charged in the PPP, that's -- I submit that's hardly

18   enough of a distinction to say Mr. Jay is so much worse.

19             Because if you think about what Mr. Phillips just got

20   up and argued earlier was, well, these really are kind of all

21   one and the same, the PPP was just part of continuing the

22   Ponzi, I don't necessarily agree with that, but he said it so

23   I'm going to run with it, the PPP was just to keep the Ponzi

24   going.

25             In terms of the Ponzi going, and this is an argument

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 1   of semantics with probably not a difference.            This was much

 2   more than just a flat-out theft or a fraud than it was through

 3   Ponzi.   I think there were some payments made back to the

 4   investors, but it wasn't like Bernie Madoff, where there was

 5   all these payoffs going over months and months and months and

 6   years.

 7              Not a lot of people got money back from Mr. Fayne.

 8   Mr. Fayne seemed to keep it all.

 9              When you look at the bank records and the payments,

10   there were a couple of people that got a hundred bucks here

11   and a little bit there, but in terms of like the PPP being

12   this -- you know, it just -- the facts were much more theft

13   and fraud than what we normally think of as Ponzi.

14              Again, maybe not a distinction.       But I guess the

15   point it does go to is Maurice Fayne got this money.             Dan Jay

16   did not get this money, and I haven't heard Mr. Phillips put

17   any kind of number on how much money Dan Jay got, but what we

18   know is we know there was a $30,000 check from the PPP that he

19   used most of it to pay back a loan shark for money that he got

20   from a loan shark to go to Mr. Fayne.

21              So Dan Jay is going to be ordered to pay back over

22   $4 million, and a $250,000 civil -- separate civil forfeiture,

23   which, you know, what is that going to do to his life going

24   forward?    That's a huge rock around somebody's neck, trying to

25   go forward in the world, but it is what it is, he has agreed

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 1   to it.

 2              But the money he got out of this thing, he says

 3   lion's share, I would love to hear a real number.             I think, at

 4   one point, we talked maybe it was a number over $100,000 was

 5   discussed.    I would love to hear if we knew exactly, because I

 6   don't.    I know there was a $30,000 check that he got, and

 7   that's what he got.      And he is being sentenced for a loss

 8   amount between $3.5 and $9 million.

 9              So I think that is something, those are many things

10   you can consider.       And I think when we look at Mike Sargent, I

11   disagree that somehow Mr. Jay is 37 months worse than Mike

12   Sargent, given Mike Sargent's criminal history and criminal

13   record of category 3.       I just respectfully disagree with that.

14              I'm requesting a variance.       I'm requesting a variance

15   down from the low end.       The low end of that range is 87

16   months.   It's level 29.      I'm asking for a 60-month sentence.

17   And I struggled with it.      I really thought, well, I should

18   lowball a little bit.       I should ask for 48; I should ask for

19   54.

20              And then do you shoot it straight, or do you lowball,

21   thinking, well, the judge is going to split the baby somewhere

22   in there.    And I did not; I did not lowball the number.               I

23   submit that 60 months, which is exactly what Sargent got, is

24   exactly the right sentence in this case because for the

25   reasons I have just said.

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 1             So that's -- that is my real and solid, that's the

 2   real number.   I'm not bluffing.        That's the number I really do

 3   believe would be fair and reasonable given Mr. Jay's conduct

 4   and his history and characteristics.

 5             So why -- what would justify such a variance?             Why

 6   would we vary down?      It's about a four-level variance,

 7   four-level variance would get me to 25, and the low end of

 8   that is 57.    Why would we give this man three points?            He was

 9   in this fraud, he stole this money, all these poor victims,

10   why would we give him four points (sic)?

11             THE COURT:      And he fled the court.

12             MR. FINLAYSON:      Well, I'm going to talk about that.

13             He fled the court, exactly.        Because you are fair,

14   and you're just, that's why.       And this is not your first

15   rodeo, and you recognize the human condition when people take

16   care of their elderly parents during COVID, and those elderly

17   parents then die, and then they get strung out on drugs,

18   people go off the rails.      And I think many of us in this room

19   have been through that experience.

20             When you lose that last parent, there is nothing like

21   it in this world.       There is nothing you are prepared to

22   handle.

23             And Dan's family is here, and they went through a lot

24   of this too, but the last year of his dad's life, bedridden,

25   Dan taking care of him, and it's a double-edged bittersweet

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 1   story in that you don't -- you are always happy you got to

 2   have that time with your parent, but it is the most

 3   gut-wrenching, it is the hardest thing any human being,

 4   probably only harder part would be going through it with your

 5   own child.   That would be harder.

 6             THE COURT:    I don't disagree with that, and I have

 7   great sympathy for what the family went through.            But during

 8   the COVID pandemic, over a million people lost their lives in

 9   this country.    A lot of people, friends of all of ours, family

10   members died during it.

11             And not many of those people necessarily got involved

12   in criminal activity because of it, but here's the bottom

13   line.   Even those that were strung out on drugs and stuff, not

14   many of them had court dates for trials and took it upon

15   themselves to just say I'm not showing up and fleeing.

16             So it's a heavy burden that you have got,

17   Mr. Finlayson, on Mr. Jay's behalf, to argue for a variance

18   from the guidelines in this case because of that.

19             This isn't my first rodeo either, and there are not

20   many rodeos I have been to where folks that don't show up for

21   trial get significant variances from the guidelines.

22             So you have got a tough road to hoe, and you are a

23   great lawyer, and you're doing a great job, but I'm just

24   telling you there is sometimes a bridge too far.

25             MR. FINLAYSON:    And with all due respect, I'm going

                             Friday, June 23, 2023
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 1   to cross that bridge because if you think about it, what did

 2   he get for that?    He got three points.       Where we are right now

 3   in the guidelines is because of exactly what you are talking

 4   about.   He didn't show up when he was supposed to.           Not the

 5   first person who has ever done that, but you're right; he got

 6   two points for obstruction, and he lost a point for

 7   acceptance.

 8             So it's a three-point bump.       And I'm not asking for

 9   it all back.   I understand that there has got to be some

10   penalty, and there has got to be payback, and there has got to

11   be a message to other defendants, hey, you can't not show up.

12   You're going to get more time, and he is getting more time.

13             Because with 60 months that I'm asking for, if things

14   had gone as they should have and if Mr. Jay had had his head

15   together and hadn't made bonehead decisions and he hadn't have

16   run and fled and lived in the streets and all that, we would

17   have come in here with a 60-year cap, and we would have been

18   asking for about 36 months for a lot of these same things we

19   have already talked about.

20             And I don't think -- the positions would be -- the

21   room would be completely different, the positions would be

22   different, and that's what I would be asking for.

23             And do you think -- so I submit that the 60 months is

24   much more than he would have gotten had he not done what he

25   did.   And I stand by that.     It's -- and I'm not asking for it

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 1   all back.   But I'm asking for some of it back.

 2             And again, you are right; not everybody that went

 3   through the pandemic and lost people fled and not everybody

 4   got on drugs, but it does explain the situation.            The fact of

 5   it is when you really look, when we start looking at the

 6   history and characteristics of Dan Jay, a man with no prior

 7   felony record, and we look at what he did, that behavior, the

 8   fact that he just got through taking care of your father

 9   during COVID and he passes, and he gets on drugs, it doesn't

10   necessarily justify it, it doesn't excuse it, but it sure

11   mitigates it, it sure explains it.

12             I wrote a little bit about who Dan Jay was and where

13   he came from.    And I don't know if that means a lot to the

14   Court or --

15             THE COURT:    Look, I'm considering it, and I read it,

16   and I thought you did a very good memorandum.

17             MR. FINLAYSON:    You think about, Bessemer,

18   Pennsylvania, this little town outside of Pittsburgh, a town

19   that once was thriving.     It was tapped into the steel

20   industry; the town is in decline.       His father was a lineman

21   for 40 years.    A standup blue-collar guy.        He grew up in a

22   tiny house; he was the baby.      He's the youngest.        His older

23   sister is like, almost 17 years older than he is.            He's the

24   baby of that family.     He's 5 foot 7 tall right now.         He wanted

25   to be somebody.

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 1              He wanted -- he had dreams.       He had visions.       He

 2   wanted -- and there is a fine line between delusions of

 3   grandeur and going off and becoming a fraudster.             The fact of

 4   it is he wanted to be somebody, and he had -- you know, the

 5   people just blew up in the submarine, down in the ocean; it's

 6   like people take risks, and people do make choices sometimes

 7   that have horrible ramifications, and that has happened to

 8   Mr. Jay.

 9              But he didn't set out on this; he doesn't have a

10   lifetime of fraud.      He doesn't have a history of doing it.           He

11   really thought, oh, if I could just do, just, one more, one,

12   just like if he could make it happen, he could be somebody.

13              He went off to Vegas to be a boxing promoter, and I

14   have a email that just came in I'm going to read to the Court

15   from somebody that talks about that.

16              But he didn't set out in life to be where he is right

17   now.   And he has made horrible choices that have put him where

18   he is right now, but this is not who he was raised to be; this

19   is not who his family is.

20              And going forward, what do we do here going forward

21   to do enough but not too much that we make it impossible for

22   him to ever get out from under it.

23              If we put such a big rock around his neck, is he ever

24   going to recover?       Is he ever going to be able to do something

25   meaningful for society if we whack him as hard as the

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 1   government wants to whack him.

 2              And I submit that I don't think we need to go to 97

 3   months.    And I think a variance would be appropriate.

 4              I talked a little bit in my memo about the guideline

 5   inflation from the fraud guidelines, and I don't want to beat

 6   that horse terribly long, but we are way up there because of

 7   various adjustments that have been built into the guideline

 8   system that aren't necessarily rationally based.            They are not

 9   empirically based.      There is a lot of criticism these days

10   about the use of the loss table in terms of cranking up these

11   level of points, and is it really -- is it really relational?

12   Is that money really worth that much more time in prison?               And

13   does it really show a greater level of culpability?            And are

14   we really measuring culpability the right way?           And really, he

15   got almost every point in the book there.

16              And we didn't object to those facts; the guidelines

17   are the guidelines, but the Court has the authority to

18   consider that and consider the guideline inflation when

19   imposing a reasonable sentence.

20              I'm asking for 27 months off.       I'm asking for 27

21   months from the bottom end of the range, and I think that's

22   something that could go into that reduction.

23              Going back to the failure to appear, one last thing

24   on that.

25              He was supposed to plead in December of 2021.           And we

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 1   were all here; he came to court that time.           He all thought he

 2   might walk in at the trial, but he came to court for the plea,

 3   and he was shaking, and he was sweating.          And I was thinking

 4   cocaine and steroids at the time, but later learned it's more

 5   of the Oxy painkiller department, but sweating and shaking,

 6   and he says no, I can't do it.         I'm not doing that plea.          But

 7   he clearly was on drugs at that point, in my opinion.              And I

 8   think, given his behavior, it was consistent with that as

 9   well.

10             And truthfully, some of his other behavior throughout

11   the litigation has been consistent with somebody that when he

12   was out on bond, he was on drugs, he was getting bad advice,

13   and he was thinking very poorly.

14             He has -- here's another reason why you don't have to

15   go to the guidelines, it's he has changed his tune.             He has

16   grown.   He has turned over a new leaf.

17             The Dan Jay that I represent now is not the Dan Jay I

18   was representing two years ago.        He's an entirely different

19   person with insights and compassions and empathies from his

20   day-to-day life in the Robert A. detention center that I

21   honestly -- I didn't think he was capable of.

22             He is a different -- he is a different man before you

23   now than he was two years ago.         And we don't see that every

24   day, and maybe we're skeptical, maybe we're all so jaded,

25   we've done this so long, oh yeah, jailhouse conversion, I

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 1   don't think that's it.     I think it's getting off of drugs and

 2   recognizing what is important.

 3             I have talked about Dan wanting -- he wanted to be

 4   somebody.   He wanted to be somebody big.        He grew up under the

 5   lights.   The football field was right behind their house.              And

 6   the lights, Friday night, the whole place was lit up like

 7   Christmas, and people would come over after the game.              And Dan

 8   had the vision of sports and success and cars and fancy things

 9   and material objects, and he wanted to be that big man, and he

10   thought those were the important things.

11             And what I see now from him and what I hear now from

12   him, and it's always sad that it takes this to make people

13   realize it, the important things are right there.            The

14   important things he realizes now are family.            And his own

15   expressed regret is I'm about to be 47 years old; I don't have

16   any children.    I haven't -- I don't have any family.             I don't

17   have the next generation.     And how am I going to have that?

18   I'm going -- that's a part of my life that I'm going to -- it

19   looks like I'm going to miss.      And it's his own mistake and

20   his own doing, but it's that recognition of what is important

21   in life that not everybody gets and not everybody makes, and

22   not everybody figures it out, even though it's late.

23             So I would ask for that reason as well.           Even though

24   it's late, he has figured it out.       And he has behaved well

25   since he has come back in this case, and he gets it now.

                             Friday, June 23, 2023
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                                                                       55


 1             Last thing I'll read to Your Honor, and I'll hand it

 2   up.

 3             May I approach?

 4             THE COURT:    Sure.

 5             MR. FINLAYSON:    (Handing.)

 6             And for the record, this is an email from Michael

 7   Colbert, says he has known Dan Jay since 2015; we are from a

 8   similar part of Pennsylvania.      I had known of him and some of

 9   his friends but didn't meet him in person until 2015 through

10   our love of boxing.     We met in Las Vegas through a mutual

11   friend.   Stayed in contact quite often up until the present

12   time.

13             Dan was always a very clearheaded person.           We have

14   had dozens of conversations about boxing and life in general.

15   But at or around the beginning of 2022, I noticed a

16   significant change in our conversations.         He seemed to be on

17   some type of drug, and having a brother who had dealt with

18   addiction and another best friend going through the same, it

19   sounded like pain pills to me that he was on.

20             In a later conversation, he admitted to me he was on

21   pills just to get through his days.

22             Dan is one of the most honest, true, genuine good

23   people I know.    Through his trips to Vegas for work, boxing,

24   he found some very good friends, and he always treated people

25   with the utmost respect.

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 1             I've never known Dan to be on drugs.          That is why,

 2   when I noticed the change at the beginning of 2022 over many

 3   phone calls, I became very concerned.

 4             I truly hope Dan gets the help that he needs.

 5             Thank you.    Mike Colbert.

 6             And, Your Honor, I think you have got the letters

 7   from his family.    I think you realize the kind of people that

 8   he comes from and the kind of place that he comes from, and

 9   the kind of place that he's going back to.

10             So in terms of rehabilitation and what's going to

11   happen down the road, and what is necessary to do now, I

12   submit that a below guideline sentence will address all of

13   those needs.

14             And in terms of the deterrent factors, the sentence

15   is still -- 60 months is not a short sentence.           And the fact

16   is you have given the same sentence to Mr. Sargent, and

17   Mr. Fayne got a very large sentence, and so the deterrent

18   message is out there.

19             And the truth of it is, there is a quote I throw in

20   some memos from the sentencing commission where they say we're

21   not even sure that increasing -- there is no corresponding

22   ratio of increased sentence to deterrent value.           There is just

23   no data to submit that if I give somebody 20 years instead of

24   ten or ten years instead of five that it's going to have any

25   kind of corresponding deterrent value.

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 1             So, Your Honor, I still think that the bridge is

 2   worth crossing, and I don't think 97 months is reasonable; I

 3   don't think 87 months is reasonable.

 4             I think given everything here, 60 months would be a

 5   reasonable sentence for Dan Jay.

 6             THE COURT:    Thank you, Mr. Finlayson.

 7             Anything further, Mr. Phillips?

 8             MR. FINLAYSON:    Not in response to those arguments,

 9   Your Honor.   I just wanted to say that, as Mr. Finlayson

10   reminded me in his remarks, the defendant did agree to a

11   personal forfeiture money judgment in the amount of $250,000.

12             So when the Court earlier was going through the PSR,

13   and you were talking about forfeiture at the time, I

14   understood you to be asking are there any additional assets

15   that is forfeited.

16             THE COURT:    Right.   That's what I was asking.

17             MR. PHILLIPS:    Okay.   I wasn't referring to the money

18   judgment.   That's separate.

19             THE COURT:    Does that need to be in the J&C?

20             MR. PHILLIPS:    It needs to be in the oral

21   pronouncement of sentence.

22             THE COURT:    Okay.

23             MR. PHILLIPS:    And then I will present a forfeiture

24   order to the Court, and the Court, if it would, I would ask to

25   incorporate that into the J&C.

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 1              THE COURT:   All right.      Thank you.

 2              Mr. Jay, you have what's called the right of

 3   allocution, which is the right to make a statement on your

 4   behalf, or you can just rely on what your attorney,

 5   Mr. Finlayson, has told the Court.

 6              Do you wish to make a statement?

 7              THE DEFENDANT:   I do.

 8              THE COURT:   Go ahead.      You can just stay where you

 9   are.   Just make sure the mic is close to you so we can hear

10   you.

11              THE DEFENDANT:   I'm glad I wrote it down.          I knew

12   this would be an emotional thing.

13              Your Honor, I failed to implement three great duties

14   to God, to my neighbor, and to myself.          Your Honor, I failed

15   to implore God's aim in all of my undertakings.            I failed my

16   neighbor, the investors, by not acting upon the square of

17   virtue and not applying the golden rule by doing unto them as

18   I wish they would do unto me.

19              Finally, myself by not avoiding irregularity in

20   temperance by getting involved in dealings with individuals

21   who don't share my moral code.         That's debasing my profession

22   and tarnishing my family's good name.         I have always strived

23   to be a peaceful citizen, true to my government and just to my

24   country.

25              By allowing fear to affect my better judgment and

                             Friday, June 23, 2023
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                                                                       59


 1   becoming a fugitive, I count this rebellion, choosing not to

 2   patiently submit to legal authority, and instead, be guilty of

 3   dishonorable actions, disrespecting you, Your Honor, the

 4   government, the court, my attorney, and everyone involved in

 5   this case.

 6             I choose not to seek counsel, a well-informed

 7   brethren who has always been willing to give me honorable

 8   instruction.   While incarcerated, I sought and found solace of

 9   my own distress by extending comfort and consolation to my

10   fellow detainees, still broken in darkness in their hour of

11   affliction.

12             Your Honor, it is my intent to travel onward guided

13   by the principles of brotherly love, relief, and truth that

14   God has endowed to me by creating me in his image.            There have

15   been duties imposed upon me to cultivate these divine

16   attributes given me with unremitting care and attention that I

17   may be able to glorify Him.

18             It is my duty to my neighbors who invested because of

19   me because I invested or because I influenced them to invest

20   to repay each of these people in full upon my successful

21   return to society.

22             I vow to apply time, patience, and perseverance to

23   rectify the damage I personally caused to each trusted

24   investor who dealt directly with me.

25             Over the past six years, through all the hardships, I

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 1   have gone through a metamorphosis similar to that of a

 2   caterpillar becoming a butterfly.       Invested with that, I have

 3   been divested.    I traveled east to west and west to east again

 4   in search of which was lost.      I found Danny Jay in that rural

 5   Pennsylvania town when I returned to honor my father, and for

 6   that, I am eternally grateful.

 7             Your Honor, I stand before you a gentleman on a level

 8   hoping to get a square sentence.

 9             Realizing more now than ever that my manhood does not

10   depend upon my position but upon my character.           I'm grateful

11   to God for protecting in the proverbial lion's den and shaping

12   me through the journey of the past three years.           One I never

13   would have chose on my own, but one my soul needed.

14             And to God, I ask, oh Lord God, is there no help for

15   the widow's son?

16             THE COURT:    All right.     Thank you, Mr. Jay.

17             Anything further on behalf of the government?

18             MR. PHILLIPS:    No, Your Honor.

19             THE COURT:    Anything further on behalf of the

20   defendant?

21             MR. FINLAYSON:    No, Your Honor.

22             THE COURT:    All right.     Thank you.

23             After reviewing the entire record in this case and in

24   accordance with the Sentencing Reform Act of 1984, it is the

25   judgment of the Court that the defendant, Daniel Eric Jay, is

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 1   hereby committed to the custody of the Bureau of Prisons to be

 2   imprisoned for a term of 87 months as to Counts 1 and 5, to be

 3   served concurrently, for a total sentence of 87 months.

 4              The Court also orders the defendant pay to the United

 5   States a special assessment of $200, which shall be due

 6   immediately.

 7              It is further ordered that the defendant make

 8   restitution in the amount of $4,465,865.55 to the United

 9   States District Court clerk for distribution to the victims of

10   this offense, and these are going to be the same victims that

11   are delineated in the J&C that the Court has issued against

12   Mr. Fayne.    It's the same victims and the same amounts as in

13   that case.

14              The restitution is to be paid jointly and severally

15   with Michael Fayne for both the PPP loan fraud and the Ponzi

16   scheme, and joint and several with Michael Sargent with

17   respect to the Ponzi scheme.

18              Restitution is due immediately.       Any restitution

19   payment that is not paid in full must be paid in monthly

20   installments from any wages the defendant earns in prison

21   during any period of incarceration, at a minimum the greater

22   of $$25 or 50 percent of the deposits in his trust account per

23   quarter.    Any portion of the restitution that's not paid in

24   full at the time of his release from imprisonment will become

25   a condition of supervision and paid to the clerk of court for

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 1   distribution to the victims, and a monthly rate of $150 plus

 2   25 percent of gross income in excess of $2500 per month.

 3             The defendant is also ordered to pay a $250,000 money

 4   forfeiture that's been agreed to, and that will be done

 5   pursuant to an order that has presented to the Court, and I'll

 6   incorporate that into the judgment and commitment order.                The

 7   Court finds that the defendant does not have the ability to

 8   pay a fine or the cost of his incarceration.            The Court will

 9   waive the fine and cost of incarceration in this case.

10             Upon release from imprisonment, the defendant shall

11   be placed on supervised release for a term of five years on

12   each of Counts 1 and 5 to run concurrent.

13             Within 72 hours of release from the custody of the

14   Bureau of Prisons, the defendant shall report in person to the

15   probation office in the district to which the defendant is

16   released.   I'm also going to recommend that the defendant be

17   placed in the RDAP program while he is in custody with the

18   Bureau of Prisons.

19             With respect to the conditions of supervised release,

20   the Court shall impose the standard conditions of supervised

21   release, the mandatory conditions which included that the

22   defendant not commit another federal, state, or local crime,

23   that he not unlawfully possess a controlled substance, that he

24   refrain from using unlawfully any controlled substance and

25   submit to a drug test within 15 days of rerelease from

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 1   imprisonment, and at least two periodic tests thereafter as

 2   determined by the court, that he make restitution, as I've

 3   already stated, and that he cooperate in the collection of DNA

 4   as directed by his probation officer.

 5             I'm also going to impose the following special

 6   conditions of supervised release.

 7             That if there is a reasonable suspicion for the

 8   probation office to believe that he's violated a condition of

 9   supervision, they are allowed to conduct a search of his

10   person, property, residence, vehicles, papers or computers,

11   and a failure to submit to such a search shall be grounds for

12   revocation.

13             He agrees to permit confiscation or disposal of any

14   contraband as a result of such search.

15             He must make a complete disclosure of his finances

16   and submit to an audit of any financial documents at the

17   request of his probation officer.       He shall not incur any new

18   credit charges or open any additional lines of credit without

19   the approval of his probation officer.

20             I have already indicated the $150 monthly payments

21   for his restitution obligation.

22             I'm also going to order that he participate in a

23   substance abuse treatment program, follow the rules and

24   regulations of that program, submit to substance abuse testing

25   to determine if he has used a prohibited substance, and that

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 1   he not again use or possess any controlled substances without

 2   a valid prescription, and that he not use or possess alcohol.

 3             He shall pay for the cost of his treatment program

 4   unless he is excused to do so based on his ability to pay by

 5   the probation office.

 6             Let me talk about the 3553(a) factors and why I

 7   believe this is a fair and reasonable sentence but not greater

 8   than necessary.

 9             First, the nature and circumstances of the offense.

10   As I have said during some of Mr. Jay's codefendant sentencing

11   hearings, with respect to the Ponzi scheme part of this

12   offense, it's one of the most serious fraud offenses that I

13   have seen since I have been on the bench.

14             The number of people, the victims in this case, upon

15   which the fraud that was perpetrated by Mr. Fayne, Mr. Jay,

16   and the Sargent brothers was large.        And I have heard from

17   some of those victims, and these are real people that lost

18   significant amounts of money because of the conduct of Mr. Jay

19   and the other defendants in this case.

20             And then when you add the PPP loan on top of that,

21   it's a horrendous scheme, and it's something that no one put a

22   gun, Mr. Jay, to your head to force you to do this.            You did

23   this -- I know Mr. Fayne was the leader of this conspiracy,

24   but he didn't threaten your life, he didn't threaten your

25   family, you did it voluntarily.

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 1             And because of your actions, a lot of people got

 2   hurt.   And that's a serious offense for which you have to pay

 3   a serious price.    And I have sentenced you to the low end of

 4   the guidelines.    I could have sentenced you to a higher

 5   amount, but I considered the fact that you don't have any

 6   criminal history, and you finally did come forward and pled,

 7   and so I sentenced you to the low end.

 8             I have considered your history and characteristics in

 9   doing so.    You don't have a criminal history.         You had to go

10   through a lot of hardship with respect to your parents, and I

11   know that had an impact on your drug use.          There is no

12   question about that.

13             But I also considered the fact that we were ready to

14   go, proceed to trial; we were sitting here, and you were

15   elsewhere.    And you got to pay for that, too.         And because of

16   that, I didn't think you were -- a variance was justified from

17   the low end of the guidelines.

18             Sometimes you make your bed, and you have to lie in

19   it, and you did in this case.

20             Here's the good thing about it.        The good thing are

21   the people that I see on the screen that have observed this

22   proceeding.   There are a lot of times that I see defendants

23   sitting where you are, and there is nobody on a screen; there

24   is nobody in the courtroom.      There is just nobody.

25             So I'm always worried when someone comes out of

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 1   prison what's going to happen?         They have got nobody to

 2   support them.

 3              But that's not you.    You are going to have a lot of

 4   people in your corner to support you.         And you know, you are

 5   going to serve a significant amount of time for what you did,

 6   but you are also going to come out of jail a relatively young

 7   man.    I say that because I still consider myself a young man,

 8   and I'm a lot older than you are.

 9              So you are going to have some time to make this up;

10   you're going to have the rest of your life, which is hopefully

11   going to be a considerable portion of your life.

12              These folks that have written letters on your behalf,

13   that are here watching this proceeding and are supporting you,

14   and other friends like the gentleman, Mr. Colbert, who wrote

15   the letter, are going to be in your corner.              And you owe it to

16   them to turn this around.     And you're going to have a chance

17   to do that.

18              I can tell you this, if you are ever involved in

19   anything like this again, or you are in any court again, you

20   are basically saying I'm going to spend the rest of my life in

21   jail.   Nobody wants that for you.       Not your family, not your

22   friends.

23              You need to turn it around.       And you will have some

24   years to do that.

25              And some joyful years, hopefully.

                             Friday, June 23, 2023
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 1             You have got to pay for what you have done.             But you

 2   can prove to everybody who has been supportive of you

 3   throughout this time that their belief in you was worth it

 4   because you turned it around.

 5             So everybody wants that for you, and I hope you

 6   accomplish that.

 7             I have considered the need for the sentence imposed

 8   to reflect the seriousness of the offense, as I have said, to

 9   afford adequate deterrence, both specific and general, and to

10   protect the public.

11             I have considered the kinds of sentences available,

12   the kinds of sentence and the sentencing range established for

13   this offense as set forth in the guideline.             This is a

14   low-guideline sentence.

15             I have considered the need to avoid disparity.                 I

16   think this sentence is a fair sentence, not only in terms of

17   other fraud cases that I have had but a fair sentence in this

18   case.   Mr. Fayne justifiably got the most severe sentence and

19   a sentence that was multiples of his codefendants, and it was

20   earned.   I believe, notwithstanding what your lawyer argued,

21   that you are deserving of a sentence somewhat higher than your

22   codefendant, Mr. Sargent, got, but it's not approaching what

23   Mr. Fayne got.

24             So I think it's not a disparate sentence, even in

25   this case.

                             Friday, June 23, 2023
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 1             And I have considered the need to provide restitution

 2   to victims as well.

 3             The sentence meets the criteria of punishment

 4   deterrents and incapacitation and is sufficient but not

 5   greater than necessary to comply with the objectives of

 6   Section 3553(a).

 7             Does the government have any objection to the

 8   findings of the Court, the guideline calculations, or the

 9   sentence or the manner in which it has been pronounced?

10             MR. PHILLIPS:    No, Your Honor.      But I thought I heard

11   the Court say when it was talking about imposing joint and

12   several restitution that the payment would be joint and

13   several with Michael Fayne; I may have misheard.

14             THE COURT:    I may have misstated that.        I meant to

15   say completely joint and several with respect to Maurice

16   Fayne, and then joint and several with respect to Michael

17   Sargent with respect to the Ponzi scheme.

18             MR. PHILLIPS:    Thank you, Judge.

19             THE COURT:    Thank you.

20             MR. PHILLIPS:    With Fayne and Sargent on the --

21             THE COURT:    Fayne and Sargent, correct, with respect

22   to the Ponzi scheme.

23             All right, does the defendant have any objection to

24   the findings of the Court, the guideline calculations, or the

25   sentence or the manner in which it has been pronounced?

                             Friday, June 23, 2023
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 1             MR. FINLAYSON:    Yes, Your Honor.       We would object to

 2   the final sentence as being substantively unreasonable.

 3             We submit that the 60 months, and as requested, would

 4   be the reasonable sentence in this case.

 5             THE COURT:    Okay.   Thank you, Mr. Finlayson.

 6             Mr. Jay, you can appeal your conviction if you

 7   believe your guilty plea was somehow unlawful or involuntary

 8   or if there's some other fundamental defect in the proceedings

 9   that was not weighed by your guilty plea.

10             MR. FINLAYSON:    Your Honor, we would request a

11   designation to Morgan- --

12             THE COURT:    Let me finish this, and I'll recognize

13   you for that.

14             MR. FINLAYSON:    Yes, yes.

15             THE COURT:    Or if there is some other fundamental

16   defect in the proceedings that was not waived by your guilty

17   plea.

18             You also have the statutory right to appeal your

19   sentence under certain circumstances, particularly if you

20   think the sentence is contrary to law.

21             However, a defendant may waive those rights as part

22   of the plea agreement, and as we discussed in your plea

23   hearing, with very few exceptions, you have waived most of

24   your rights to appeal the sentence itself.

25             Such waivers are generally enforceable, but if you

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 1   believe the waiver is somehow unenforceable, you can present

 2   that theory to the appellate court.

 3             With few exceptions, any notice of appeal must be

 4   filed within 14 days of judgment entered in your case.

 5             If you are unable to pay the cost of your appeal, you

 6   can apply for leave to appeal without payment of fees, and if

 7   you ask the clerk of court, under those circumstances, to

 8   prepare and file a notice of appeal on your behalf, they would

 9   do so.

10             Now, if you have any further questions regarding your

11   rights to appeal, your attorney, Mr. Finlayson, can provide

12   you with good advice.

13             Mr. Jay, do you have any questions about anything I

14   have said at today's hearing?

15             THE DEFENDANT:    I do not.

16             THE COURT:    Now, Mr. Finlayson, do you have a request

17   for location?

18             MR. FINLAYSON:    Yes, Your Honor.       FCI Morgantown,

19   West Virginia.

20             THE COURT:    All right, Mr. Jay, I will recommend to

21   the Bureau of Prisons that they designate you at that facility

22   for service of your sentence.      It's only a recommendation.

23   It's up to the Bureau of Prisons to where you actually serve.

24             Any other requests?     I'll recommend, as I said, the

25   RDAP program.

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 1             MR. FINLAYSON:    Thank you, sir.

 2             THE COURT:    Anything further on behalf of the

 3   government?

 4             MR. PHILLIPS:    No, Judge.    I'll submit that

 5   forfeiture order to the courtroom deputy this afternoon.

 6             THE COURT:    That's great.    Thank you.

 7             Anything further on behalf of the defendant?

 8             MR. FINLAYSON:    No, Your Honor.

 9             THE COURT:    All right.

10             Court stands in recess.

11

12       (Proceedings were adjourned at 11:49 a.m.)

13

14

15

16

17

18

19

20

21

22

23

24

25

                             Friday, June 23, 2023
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                                                                        72


 1

 2                           REPORTER'S   CERTIFICATE

 3

 4

 5             I, Judith M. Wolff, Certified Realtime Reporter and

 6   Official Court Reporter for the United States District Court

 7   for the Northern District of Georgia, with offices at Atlanta,

 8   do hereby certify:

 9

10             That I reported on the Stenograph machine the

11   proceedings held in open court on Friday, June 23, 2023, in

12   the matter of USA v Daniel Eric Jay, Case No.

13   1:20-cr-00228-MHC;

14

15             That said proceedings in connection with the hearing

16   were reduced to typewritten form by me;

17

18             And that the foregoing transcript is a true and

19   accurate record of the proceedings.

20

21             This the 10th day of July,        2023.

22

23

24                                     _______________________________
                                   /s/ Judith M. Wolff, RPR, CRR
25                                     Official Court Reporter

                             Friday, June 23, 2023
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23       Page 73 of 85
                                                                                                             73
                                      2                                     22/13 23/19 24/10 26/11 26/21 28/16
                                                                            30/9 30/11 30/12 30/22 32/7 32/7
 MR. FINLAYSON: [20] 2/16 3/8 3/12    20 [3] 34/4 34/17 56/23               32/15 35/22 41/7 41/24 44/19 47/6
 25/2 25/5 31/20 37/11 43/2 47/12     2013 [1] 39/16                        47/12 49/1 49/4 49/18 49/19 50/12
 48/25 50/17 55/5 57/8 60/21 69/1     2015 [2] 55/7 55/9                    50/17 51/15 52/4 52/10 54/3 54/15
 69/10 69/14 70/18 71/1 71/8          2017 [1] 22/9                         55/14 57/13 64/6 65/12 65/20 68/11
 MR. PHILLIPS: [50] 2/7 3/16 4/2      2020 [1] 39/16                        70/13
 4/18 5/10 5/18 6/1 6/3 6/7 6/11 6/14 2021 [2] 33/10 52/25                 above [1] 38/18
 6/18 6/21 8/22 8/25 9/5 10/14 15/11 2022 [2] 55/15 56/2                   absconded [1] 35/12
 16/19 16/21 17/21 18/20 19/9 19/14   2023 [3] 1/6 72/11 72/21             abuse [2] 63/23 63/24
 20/16 20/23 21/3 21/21 24/21 24/24   21 [1] 39/5                          acceptance [2] 35/18 49/7
 30/8 33/5 36/16 36/18 36/20 36/22    210 [1] 37/21                        accepted [1] 42/20
 36/25 37/9 37/18 39/2 39/4 42/4      215-1317 [1] 1/24                    accepting [1] 42/10
 57/17 57/20 57/23 60/18 68/10 68/18 228 [2] 2/4 6/3                       accomplish [1] 67/6
 68/20 71/4                           23 [2] 1/6 72/11                     accordance [6] 3/1 3/19 31/24 34/6
 MS. MALLOY: [4] 6/12 19/18 19/24     25 [1] 47/7                           35/16 60/24
 20/3                                 25 percent [1] 62/2                  account [5] 12/22 13/6 13/21 43/5
 THE COURT: [76]                      27 [2] 52/20 52/20                    61/22
 THE DEFENDANT: [3] 58/7 58/11 70/15 29 [3] 35/19 36/10 46/16              accountable [2] 11/24 41/9
                                      2B1.1 [4] 33/24 34/2 34/6 34/12      accountant [2] 27/15 27/15
$                                     2X1.1 [1] 33/18                      accurate [1] 72/19
$$25 [1] 61/22                                                             accurately [1] 19/14
$1 [1] 36/7                           3
                                                                           act [2] 7/15 60/24
$100,000 [1] 46/4                     30 [1] 36/7                          acting [1] 58/16
$150 [2] 62/1 63/20                   30,000 [1] 36/12                     actions [2] 59/3 65/1
$175,000 [1] 14/20                    30303-3361 [1] 1/23                  active [1] 16/5
$200 [2] 36/23 61/5                   31 [1] 35/15                         actively [2] 10/6 18/4
$250,000 [3] 45/22 57/11 62/3         31.1 [1] 27/5                        activity [18] 3/21 3/23 4/6 4/19
$2500 [1] 62/2                        32 [1] 3/1                            4/21 5/5 7/11 9/13 17/5 17/19 17/20
$3.5 [2] 34/8 46/8                    3361 [1] 1/23                         23/13 23/15 30/12 32/1 34/23 41/8
$30,000 [2] 45/18 46/6                3553 [5] 20/11 37/14 39/9 64/6 68/6   48/12
$300,000 [1] 36/12                    36 [1] 49/18                         actual [1] 34/9
$4 [1] 45/22                          37 [1] 46/11                         actually [1] 70/23
$4 million [1] 45/22                  371 [1] 37/24                        add [4] 15/9 16/17 25/22 64/20
$4,454 [1] 37/3                       3B1.1 [5] 3/19 21/10 31/24 32/3      added [4] 34/6 34/12 34/21 35/4
$4,465,865.55 [2] 36/13 61/8           34/21                               addiction [1] 55/18
$4.4 [1] 39/17                        3C1.1 [1] 35/4                       addition [3] 9/5 12/14 14/14
$400,000 [1] 14/14                    3D1.2 [1] 33/11                      additional [4] 12/9 21/18 57/14
$6,000 [1] 22/19                                                            63/18
$9 [1] 46/8                           4                                    address [2] 30/9 56/12
$9.5 [1] 34/8                         40 [1] 50/21                         adequate [1] 67/9
                                      401 [1] 21/8                         adjourned [1] 71/12
/                                     404 [1] 1/24                         adjusted [1] 35/14
/s [1] 72/24                          413 [1] 21/9                         adjustment [2] 35/17 35/23
                                      44,258 [1] 37/2                      adjustments [3] 33/21 34/19 52/7
1                                     47 [1] 54/15                         administerial [1] 14/13
10 [1] 13/17                          48 [1] 46/18                         administration [2] 35/6 39/20
100 [1] 40/6                                                               admits [4] 4/7 4/9 5/23 7/9
108 [4] 36/12 38/21 39/3 39/6         5                                    admitted [4] 12/7 26/16 26/25 55/20
10:07 [1] 2/1                         50 [1] 61/22                         adopt [1] 33/6
10th [1] 72/21                        54 [1] 46/19                         advantage [2] 7/4 39/21
11 [1] 14/10                          57 [1] 47/8                          advice [2] 53/12 70/12
11:49 [1] 71/12                                                            affect [1] 58/25
12 [1] 14/17                          6                                    affliction [1] 59/11
120-cr-228 [1] 6/3                    60 [9] 37/25 38/17 43/12 46/23 49/13 afford [1] 67/9
129 [1] 33/10                          49/23 56/15 57/4 69/3               after [3] 42/11 54/7 60/23
13 [1] 14/23                          60-month [2] 37/24 46/16             afternoon [1] 71/5
130 [1] 33/16                         60-year [1] 49/17                    again [14] 10/4 10/9 15/16 24/5 24/9
131 [1] 34/5                          60K [1] 14/24                         24/9 26/12 26/19 45/14 50/2 60/3
1317 [1] 1/24                         65K [1] 14/24                         64/1 66/19 66/19
132 [1] 34/11                         6K [2] 22/11 22/15                   against [5] 8/6 8/7 18/15 26/16
134 [6] 3/18 7/10 12/7 26/25 31/22                                          61/11
 34/20                                7                                    agencies [1] 14/4
1343 [2] 2/23 33/23                                                        Agent [1] 2/12
                                      7,000 [1] 13/5                       ago [3] 6/8 53/18 53/23
1344 [2] 2/25 34/1                    72 [1] 62/13
1349 [2] 2/23 33/18                                                        agree [6] 34/9 37/19 41/14 44/7
                                      75 [1] 1/23                           44/22 57/10
135 [1] 35/3
138 [1] 35/16                         8                                    agreed [7] 26/12 30/4 32/23 32/24
14 [1] 70/4                                                                 35/21 45/25 62/4
142 [1] 35/24                         87 [10] 36/11 38/21 38/24 39/1 39/3 agreement [9] 28/14 28/15 28/18
15 [1] 62/25                           39/6 46/15 57/3 61/2 61/3            28/25 29/16 29/19 30/1 35/20 69/22
15K [2] 14/24 14/25                                                        agrees [3] 4/9 15/25 63/13
                                      9                                    ahead [2] 6/20 58/8
16 [1] 23/11
17 [1] 50/23                          97 [8] 39/4 39/7 39/7 40/24 42/24    aid [2] 11/10 17/2
173 [1] 36/1                           43/2 52/2 57/2                      aim [1] 58/15
175K [1] 14/25                        97-month [1] 41/17                   alcohol [1] 64/2
177 [1] 36/1                                                               all [61] 3/13 3/17 4/20 5/23 6/9
18 [5] 2/22 2/25 33/17 33/25 34/6     A                                     6/17 11/14 13/14 13/16 14/1 16/15
18 U.S.C [1] 37/24                    a.m [2] 2/1 71/12                     16/17 17/15 18/6 18/10 20/1 24/9
19 [2] 39/11 39/18                    ability [3] 36/2 62/7 64/4            24/13 25/15 25/22 26/6 26/22 27/22
1914 [1] 1/22                         able [4] 16/11 40/4 51/24 59/17       28/17 28/19 29/20 30/6 31/1 31/18
1984 [1] 60/24                        about [54] 4/13 4/16 4/18 5/22 8/12   33/6 33/11 35/21 37/12 38/6 41/22
1:20-cr-00228-MHC [2] 1/4 72/13        12/20 13/3 13/13 13/15 14/11 14/16   41/22 41/23 42/14 42/23 43/2 44/20
1st [1] 43/23                          15/14 16/15 17/10 20/5 21/22 22/8    45/5 45/8 47/9 48/9 48/25 49/9 49/16
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23       Page 74 of 85
                                                                                                             74
A                                     8/21                                 Ben [1] 2/9
                                     asking [15] 15/17 21/14 39/7 42/23    bench [1] 64/13
all... [13] 50/1 53/1 53/1 53/24      46/16 49/8 49/13 49/18 49/22 49/25   Bernie [1] 45/4
 56/12 58/1 58/15 59/25 60/16 60/22   50/1 52/20 52/20 57/14 57/16         Bernita [2] 1/17 2/8
 68/23 70/20 71/9                    assessment [2] 36/23 61/5             Bessemer [1] 50/17
allegedly [1] 13/1                   assets [1] 57/14                      best [2] 41/2 55/18
allocution [1] 58/3                  assisting [1] 14/12                   better [2] 14/2 58/25
allowed [2] 25/16 63/9               associated [1] 14/13                  between [4] 38/2 39/6 46/8 51/2
allowing [2] 24/24 58/25             assume [2] 5/1 5/7                    big [4] 44/9 51/23 54/4 54/9
almost [3] 24/2 50/23 52/15          assuming [1] 43/24                    bit [6] 10/9 20/6 45/11 46/18 50/12
along [1] 12/8                       ATLANTA [4] 1/2 1/6 1/23 72/7          52/4
already [7] 7/7 11/19 38/4 39/22     attempted [1] 35/5                    bittersweet [1] 47/25
 49/19 63/3 63/20                    attention [1] 59/16                   blaming [1] 20/21
also [19] 2/9 11/17 12/20 13/11      attitude [1] 42/19                    blew [1] 51/5
 13/25 18/13 18/25 23/23 29/18 33/25 attorney [3] 58/4 59/4 70/11          blue [1] 50/21
 40/22 61/4 62/3 62/16 63/5 63/22    Attorney's [3] 9/17 24/12 32/6        blue-collar [1] 50/21
 65/13 66/6 69/18                    attributes [1] 59/16                  bluffing [1] 47/2
although [1] 44/6                    audit [1] 63/16                       bond [2] 22/11 53/12
always [7] 48/1 54/12 55/13 55/24    aunt [4] 13/25 13/25 28/20 29/16      bonehead [1] 49/15
 58/22 59/7 65/25                    Aunt G [3] 13/25 28/20 29/16          book [1] 52/15
am [5] 15/22 19/14 20/22 54/17 60/6 authority [2] 52/17 59/2               both [11] 3/4 9/7 9/11 10/20 15/10
amendments [1] 43/23                 available [1] 67/11                    18/20 31/8 31/9 37/3 61/15 67/9
America [1] 2/3                      avoid [1] 67/15                       bottom [3] 22/7 48/12 52/21
America vs [1] 2/3                   avoiding [1] 58/19                    boxing [4] 51/13 55/10 55/14 55/23
amount [6] 34/7 46/8 57/11 61/8 65/5 aware [5] 13/19 19/11 20/11 32/13     brethren [1] 59/7
 66/5                                 43/22                                bridge [3] 48/24 49/1 57/1
amounts [2] 61/12 64/18              away [1] 42/22                        brief [9] 11/13 11/25 13/18 14/10
analysis [1] 27/5                                                           14/17 14/24 18/25 21/8 23/12
annually [2] 37/2 37/3               B                                     briefly [1] 30/8
another [4] 41/4 53/14 55/18 62/22                                         bring [1] 28/5
answer [1] 28/6                      baby [3] 46/21 50/22 50/24
                                     back [15] 8/12 16/23 40/16 40/16      brings [1] 28/4
answering [1] 15/15
any [38] 16/3 16/4 21/10 22/11 26/3   43/9 45/3 45/7 45/19 45/21 49/9 50/1 broken [2] 4/20 59/10
                                      50/1 52/23 54/25 56/9                brother [5] 4/24 5/15 11/21 26/7
 26/5 27/23 28/21 32/10 33/20 33/21                                         55/17
 36/24 37/7 37/10 45/17 48/3 54/16   bad [2] 43/9 53/12
                                                                           brotherly [1] 59/13
 54/16 56/24 57/14 61/18 61/20 61/21 bank [15] 2/24 7/7 9/8 9/9 9/17 9/21 brothers [4] 12/16 16/2 31/10 64/16
 61/23 62/24 63/13 63/16 63/17 63/18  13/6 13/21 19/4 30/16 32/8 38/14
                                      39/19 41/5 45/9                      brought [5] 9/18 10/2 23/23 28/6
 64/1 65/5 66/19 68/7 68/23 70/3                                            42/17
 70/10 70/13 70/24                   bankruptcy [1] 34/18
                                     banks [1] 14/5                        Brown [13] 12/14 12/15 13/3 13/5
anybody [1] 26/5                                                            13/8 13/13 13/19 22/10 22/18 26/8
anything [13] 20/25 21/15 24/10 30/7 base [8] 3/19 31/23 33/19 34/4 34/7    29/13 29/13 31/10
 31/19 32/25 57/7 60/17 60/19 66/19   34/12 34/21 35/4
                                     based [9] 8/16 17/14 19/18 32/4       bucks [1] 45/10
 70/13 71/2 71/7                                                           built [3] 44/1 44/4 52/7
apparently [1] 29/8                   32/22 35/14 52/8 52/9 64/4
                                     basically [2] 10/10 66/20             bump [3] 25/24 29/23 49/8
appeal [8] 69/6 69/18 69/24 70/3                                           burden [2] 31/14 48/16
 70/5 70/6 70/8 70/11                basis [1] 33/14
                                     be [81]                               Bureau [5] 61/1 62/14 62/18 70/21
Appeals [1] 21/9                                                            70/23
appear [2] 35/11 52/23               beat [1] 52/5
                                     became [1] 56/3                       Burton [1] 1/18
Appearance [1] 1/16
appears [1] 3/9                      because [60] 3/20 3/22 4/9 4/22 5/2 Business [1] 39/20
                                      7/21 8/3 8/12 10/2 11/2 12/1 12/6    businesses [2] 39/25 39/25
appellate [1] 70/2                                                         butterfly [1] 60/2
applicable [2] 33/24 33/25            13/16 15/16 15/23 16/9 16/23 17/5
                                      18/10 19/21 20/1 20/6 22/5 23/16     buy [1] 31/5
application [1] 40/6
applications [1] 40/11                23/19 25/6 25/16 26/14 29/6 29/23
                                      30/17 31/9 31/24 34/2 34/7 34/13     C
applies [1] 15/9
apply [11] 6/23 7/17 11/1 18/15 19/7 34/22 38/9 39/9 40/15 41/18 44/5      Cain [1] 15/1
 21/9 33/19 38/8 44/10 59/22 70/6     44/19 46/5 46/24 47/13 48/12 48/18   calculation [1] 34/10
applying [1] 58/17                    49/1 49/3 49/13 52/6 59/18 59/19     calculations [5] 33/9 37/7 38/25
appreciate [2] 25/5 42/10             59/19 64/18 65/1 65/15 66/7 67/4      68/8 68/24
approach [1] 55/3                    become [1] 61/24                      call [1] 23/24
approaching [1] 67/22                becoming [3] 51/3 59/1 60/2           called [2] 2/1 58/2
appropriate [16] 4/3 4/10 23/2 31/15 bed [1] 65/18                         callous [1] 42/6
 33/17 38/22 38/25 39/8 40/20 40/25  bedridden [1] 47/24                   calls [2] 40/19 56/3
 41/10 41/13 41/17 41/25 43/3 52/3   been [23] 3/4 23/17 32/11 32/12       came [6] 8/9 12/19 50/13 51/14 53/1
appropriately [1] 40/22               32/13 32/23 32/24 33/8 38/17 43/13    53/2
approval [1] 63/19                    47/19 48/20 49/17 52/7 53/11 59/7    can [21] 6/9 10/14 15/16 16/10 16/10
are [80]                              59/15 60/3 62/4 64/13 67/2 68/9       16/16 27/10 28/16 28/17 30/17 41/2
area [1] 28/9                         68/25                                 46/10 58/4 58/8 58/9 66/18 67/2 69/6
aren't [1] 52/8                      before [11] 1/13 8/9 11/24 19/3 19/3 70/1 70/6 70/11
argue [3] 24/8 28/17 48/17            23/23 24/12 42/20 43/21 53/22 60/7   can't [7] 8/1 12/1 18/17 27/9 39/4
argued [3] 24/5 44/20 67/20          beginning [2] 55/15 56/2               49/11 53/6
argues [1] 24/12                     behalf [11] 3/9 37/8 37/10 48/17      cap [3] 37/24 38/17 49/17
arguing [2] 24/10 32/10               58/4 60/17 60/19 66/12 70/8 71/2     capable [1] 53/21
argument [7] 8/8 19/23 24/19 27/24    71/7                                 Capone [9] 5/22 7/11 9/8 12/8 18/24
 29/10 29/20 44/25                   behaved [1] 54/24                      22/5 28/16 29/12 38/12
arguments [5] 8/17 20/10 26/10 32/22 behavior [4] 42/7 50/7 53/8 53/10     car [3] 16/2 16/3 38/4
 57/8                                behind [1] 54/5                       care [4] 47/16 47/25 50/8 59/16
Arkansas [2] 14/16 39/13             being [7] 12/20 17/4 27/12 45/11      Carrie [6] 5/22 7/11 9/8 28/16 29/12
around [6] 45/24 51/23 55/15 66/16    46/7 48/3 69/2                        38/12
 66/23 67/4                          belief [1] 67/3                       carries [1] 15/3
arrested [1] 43/14                   believe [16] 4/2 7/8 10/19 11/23      carrying [1] 9/12
ask [8] 4/22 15/18 46/18 46/18 54/23 16/22 19/14 19/18 20/25 21/14 23/1    cars [1] 54/8
 57/24 60/14 70/7                     47/3 63/8 64/7 67/20 69/7 70/1       case [56] 2/3 5/25 6/2 7/22 8/14
asked [6] 7/24 8/4 8/11 8/13 8/15    believed [1] 20/18                     8/22 8/23 9/17 9/19 9/25 10/13 12/21
                                     below [1] 56/12                        14/16 15/20 20/5 20/9 20/19 20/24
Case 1:20-cr-00228-MHC-JKL             Document 321          Filed 07/10/23       Page 75 of 85
                                                                                                           75
C                                    commingling [1] 25/10                counts [7] 25/11 25/22 33/12 33/15
                                     commission [2] 44/6 56/20             36/6 61/2 62/12
case... [38] 20/25 21/8 24/10 28/7   commit [4] 2/22 9/15 43/16 62/22     couple [4] 7/18 7/22 8/10 45/10
 28/8 30/5 31/16 32/10 34/9 34/10    commitment [1] 62/6                  course [1] 2/13
 34/16 34/24 34/25 35/11 35/12 35/20 committed [2] 39/24 61/1             court [90]
 36/3 36/24 37/14 37/15 37/20 43/4   committing [1] 41/3                  Court's [2] 12/5 21/22
 43/16 46/24 48/18 54/25 59/5 60/23  communications [1] 14/8              Courthouse [1] 1/22
 61/13 62/9 64/14 64/19 65/19 67/18  companies [2] 14/3 14/4              courtroom [5] 6/15 15/25 19/22 65/24
 67/25 69/4 70/4 72/12               company [2] 13/2 40/7                 71/5
cases [19] 7/18 8/16 10/5 11/15      compare [1] 44/16                    courts [2] 11/9 23/13
 11/25 15/18 15/20 19/2 19/10 20/1   compassions [1] 53/19                cover [2] 28/15 28/18
 20/10 20/19 23/17 24/20 30/11 32/6  complete [1] 63/15                   covered [1] 29/17
 32/7 32/8 67/17                     completely [2] 49/21 68/15           COVID [3] 47/16 48/8 50/9
cash [1] 13/5                        comply [1] 68/5                      CPA [1] 38/14
category [6] 29/10 36/1 36/11 43/11 computers [1] 63/10                   cr [4] 1/4 2/4 6/3 72/13
 43/13 46/13                         concede [1] 27/3                     cranking [1] 52/10
caterpillar [1] 60/2                 conceded [1] 27/5                    create [2] 7/12 9/20
caught [1] 42/17                     concern [4] 15/16 15/17 20/8 20/9    created [1] 14/2
cause [1] 11/22                      concerned [1] 56/3                   creating [2] 40/5 59/14
caused [3] 7/12 9/6 59/23            Concerning [1] 37/14                 credit [2] 63/18 63/18
causing [1] 34/17                    concession [1] 26/15                 crime [3] 40/19 41/1 62/22
center [1] 53/20                     conclusions [2] 3/11 33/7            crimes [2] 39/10 41/3
certain [1] 69/19                    concurrent [1] 62/12                 criminal [48] 2/4 3/2 3/21 3/23 4/6
certainly [1] 20/17                  concurrently [1] 61/3                 4/14 4/18 7/11 7/13 9/3 9/12 11/5
CERTIFICATE [1] 72/2                 condition [3] 47/15 61/25 63/8        11/10 17/3 17/5 17/19 17/20 23/13
Certified [1] 72/5                   conditions [4] 62/19 62/20 62/21      23/14 26/22 26/23 27/4 27/9 27/11
certify [1] 72/8                      63/6                                 27/20 28/2 28/9 28/11 30/12 32/1
chance [1] 66/16                     conduct [15] 28/10 28/11 28/12 28/13 34/23 35/25 35/25 36/10 37/22 41/8
change [2] 55/16 56/2                 28/25 30/9 30/11 30/16 30/25 32/20   43/11 43/12 43/21 44/2 44/5 44/8
changed [2] 42/19 53/15               33/22 35/8 47/3 63/9 64/18           44/12 46/12 46/12 48/12 65/6 65/9
character [1] 60/10                  conducted [1] 3/3                    criminally [25] 7/1 7/8 10/17 10/24
characteristics [5] 43/6 43/10 47/4 confinement [1] 37/2                   11/1 11/8 11/11 11/14 11/18 11/21
 50/6 65/8                           confiscation [1] 63/13                11/23 12/2 12/6 12/11 13/10 13/21
charge [1] 13/16                     Congress [1] 43/24                    14/18 15/4 16/25 17/24 18/5 22/1
charged [1] 44/17                    connection [1] 72/15                  22/24 31/11 31/13
charges [2] 43/15 63/18              consider [7] 20/12 20/15 24/20 46/10 criteria [2] 40/12 68/3
charging [3] 2/21 2/24 37/23          52/18 52/18 66/7                    criticism [1] 52/9
check [2] 45/18 46/6                 considerable [1] 66/11               critique [2] 24/10 24/11
child [1] 48/5                       considered [7] 65/5 65/8 65/13 67/7 Crivelli [12] 5/19 5/22 7/11 9/7
children [1] 54/16                    67/11 67/15 68/1                     12/8 18/24 22/5 26/25 27/4 28/17
choices [2] 51/6 51/17               considering [1] 50/15                 29/9 31/10
choose [1] 59/6                      consistency [2] 20/9 24/11           crooked [1] 29/21
choosing [1] 59/1                    consistent [4] 8/5 41/15 53/8 53/11 cross [1] 49/1
chose [1] 60/13                      consolation [1] 59/9                 crossing [1] 57/2
Christian's [1] 22/11                conspiracy [5] 2/22 12/17 27/18      CRR [2] 1/21 72/24
Christmas [1] 54/7                    37/23 64/23                         culpability [3] 5/14 52/13 52/14
Circuit [7] 7/15 7/19 11/15 19/15    contact [2] 17/17 55/11              culpable [10] 5/4 7/3 37/20 38/2
 21/8 21/9 23/12                     contends [2] 3/17 3/22                38/5 38/5 38/15 41/18 41/20 43/8
circumstances [3] 64/9 69/19 70/7    contested [1] 12/13                  cultivate [1] 59/15
cite [3] 5/10 7/18 11/15             contesting [2] 21/16 21/17           curse [1] 13/14
cited [4] 11/25 13/17 21/8 23/11     continued [1] 43/15                  custody [4] 36/11 61/1 62/13 62/17
citing [1] 19/10                     continuing [2] 20/8 44/21
citizen [2] 37/6 58/23               contraband [1] 63/14                 D
citizens [1] 39/21                   contradictory [1] 8/20
civil [2] 45/22 45/22                                                     dad's [1] 47/24
                                     contrary [1] 69/20                   damage [1] 59/23
clarification [1] 27/2               control [1] 40/10
clear [2] 18/21 27/2                                                      Dan [32] 18/22 22/1 22/4 22/13 22/18
                                     controlled [3] 62/23 62/24 64/1       28/15 28/18 28/21 29/3 29/16 29/18
clearheaded [1] 55/13                conversation [1] 55/20
clearly [12] 5/14 7/3 13/10 13/21                                          30/17 38/5 38/7 38/8 41/20 45/15
                                     conversations [3] 14/9 55/14 55/16    45/17 45/21 47/25 50/6 50/12 53/17
 14/18 19/5 21/5 22/1 22/16 38/4     conversion [1] 53/25
 39/13 53/7                                                                53/17 54/3 54/7 55/7 55/13 55/22
                                     convicted [2] 11/20 21/1              56/1 56/4 57/5
clerk [3] 61/9 61/25 70/7            conviction [7] 25/11 34/3 35/8 35/9 Dan's [1] 47/23
client [1] 3/6                        43/13 44/12 69/6
close [1] 58/9                                                            Daniel [4] 1/7 2/4 60/25 72/12
                                     cooperate [1] 63/3                   Danny [1] 60/4
closely [1] 35/9                     copy [5] 3/4 6/9 6/12 6/13 6/14
co [1] 19/16                                                              darkness [1] 59/10
                                     corner [2] 66/4 66/15                Darren [15] 12/14 12/15 13/3 13/4
co-counsel [1] 19/16                 correct [13] 3/11 3/12 12/4 15/22
cocaine [1] 53/4                                                           13/8 13/13 13/19 22/10 22/10 22/18
                                      18/9 19/19 19/19 33/4 33/5 36/15     22/19 26/7 29/13 29/13 31/10
code [6] 2/23 2/25 33/18 34/1 37/23   36/21 36/22 68/21
 58/21                                                                    data [1] 56/23
                                     corresponding [2] 56/21 56/25        dates [1] 48/14
codefendant [4] 15/8 16/18 64/10     cost [6] 37/1 37/2 62/8 62/9 64/3
 67/22                                                                    dating [1] 7/4
                                      70/5                                day [6] 28/17 44/10 53/20 53/20
codefendants [2] 19/5 67/19          could [10] 25/16 26/11 37/1 40/3
COHEN [1] 1/13                                                             53/24 72/21
                                      40/16 51/11 51/12 51/12 52/22 65/4  days [4] 52/9 55/21 62/25 70/4
Colbert [3] 55/7 56/5 66/14          couldn't [1] 16/5
collar [1] 50/21                                                          deal [2] 13/9 44/9
                                     counsel [5] 1/16 2/5 2/15 19/16 59/6 dealings [1] 58/20
colleagues [2] 15/18 19/22           count [21] 2/20 2/23 11/16 16/10
collection [1] 63/3                                                       dealt [3] 35/23 55/17 59/24
                                      16/10 16/10 25/6 25/17 25/18 25/19  debasing [1] 58/21
come [8] 19/3 43/23 44/1 49/17 54/7   25/19 25/21 27/17 27/21 28/10 29/6
 54/25 65/6 66/6                                                          December [1] 52/25
                                      29/8 29/14 36/8 37/5 59/1           decided [1] 40/2
comes [6] 39/6 43/21 44/11 56/8 56/8 Count 5 [1] 2/23
 65/25                                                                    deciding [1] 30/12
                                     counted [1] 27/12                    decisions [1] 49/15
comfort [1] 59/9                     counting [3] 27/5 28/9 28/13
coming [1] 42/10                                                          decline [1] 50/20
                                     country [2] 48/9 58/24               defect [2] 69/8 69/16
Case 1:20-cr-00228-MHC-JKL              Document 321         Filed 07/10/23       Page 76 of 85
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D                                     disposal [1] 63/13                   eat [1] 26/13
                                      disrespecting [1] 59/3               economy [1] 40/15
defendant [65] 1/8 1/18 3/5 3/10      distinction [2] 44/18 45/14          edged [1] 47/25
 3/20 3/23 4/7 5/23 6/25 7/9 7/23 9/2 distress [1] 59/9                    edition [1] 33/10
 9/11 11/14 11/16 12/3 12/7 12/12     distribute [1] 30/23                 either [2] 3/20 48/19
 12/16 17/25 18/3 18/15 18/22 21/11   distribution [2] 61/9 62/1           EL [2] 12/19 13/9
 21/16 22/9 22/10 22/21 22/22 22/24   district [8] 1/1 1/1 1/13 14/15 61/9 elderly [2] 47/16 47/16
 25/20 31/25 32/13 34/22 34/24 34/25   62/15 72/6 72/7                     Eleventh [7] 7/15 7/18 11/15 19/15
 35/5 35/11 35/17 35/24 36/2 37/6     divested [1] 60/3                     21/8 21/9 23/12
 37/10 37/16 38/1 38/23 40/2 42/19    divine [1] 59/15                     elsewhere [1] 65/15
 44/10 57/10 60/20 60/25 61/4 61/7    DIVISION [1] 1/2                     email [2] 51/14 55/6
 61/20 62/3 62/7 62/10 62/14 62/15    DNA [1] 63/3                         emails [3] 9/10 26/9 42/8
 62/16 62/22 68/23 69/21 71/7         do [55] 3/25 8/15 8/17 8/19 8/21     emotional [1] 58/12
defendant's [2] 2/20 35/9              9/23 10/5 10/12 10/17 15/17 15/18   empathies [1] 53/19
defendants [5] 8/7 15/10 49/11 64/19 15/19 18/9 19/16 21/15 25/16 25/24    empirically [1] 52/9
 65/22                                 26/14 27/1 27/3 27/13 28/5 29/8     employed [1] 39/25
defense [3] 26/24 32/23 32/24          30/11 38/10 41/8 41/12 41/16 43/25  employees [1] 40/7
defer [1] 19/11                        44/7 45/23 46/20 46/20 47/2 49/23   end [8] 39/1 46/15 46/15 47/7 52/21
defining [1] 23/18                     51/6 51/11 51/20 51/20 51/21 51/24   65/3 65/7 65/17
definition [4] 10/17 12/11 15/13       53/6 56/11 58/6 58/7 58/18 64/4     endowed [1] 59/14
 31/14                                 64/22 66/17 66/24 70/9 70/13 70/15  enforceable [1] 69/25
definitions [1] 23/9                   70/16 72/8                          enhancement [13] 4/10 4/11 4/25 5/6
defrauded [1] 12/22                   DOCKET [1] 1/4                        6/23 7/17 17/22 17/25 19/8 21/10
delineated [1] 61/11                  doctor [1] 10/2                       21/10 23/2 26/3
delusions [1] 51/2                    document [1] 24/3                    enhancements [1] 10/22
den [1] 60/11                         documented [1] 42/7                  enough [5] 27/21 29/11 30/5 44/18
depart [1] 8/14                       documents [18] 7/12 9/6 9/12 9/21     51/21
department [1] 53/5                    9/23 10/2 10/7 12/10 14/2 14/5 19/6 entered [1] 70/4
depend [1] 60/10                       22/6 24/1 35/1 38/11 38/13 42/8     enterprise [2] 11/10 17/3
deposited [1] 13/6                     63/16                               entire [1] 60/23
depositing [1] 13/20                  does [16] 15/2 15/24 17/23 25/6 25/6 entirely [1] 53/18
deposits [1] 61/22                     36/2 38/12 40/24 45/15 50/4 52/13   Eric [4] 1/7 2/4 60/25 72/12
deputy [2] 6/16 71/5                   57/19 60/9 62/7 68/7 68/23          error [1] 19/8
described [1] 12/20                   doesn't [14] 12/1 17/13 17/17 27/9   Esq [3] 1/17 1/17 1/18
describing [1] 19/15                   29/1 29/1 29/2 29/14 43/24 44/10    established [1] 67/12
deserving [1] 67/21                    50/9 50/10 51/9 51/10               establishes [1] 35/25
designate [1] 70/21                   doing [17] 10/10 10/11 14/12 16/4    eternally [1] 60/6
designation [1] 69/11                  20/18 22/14 24/2 24/3 27/14 28/20   even [11] 12/12 16/15 23/3 23/16
detainees [1] 59/10                    29/21 48/23 51/10 53/6 54/20 58/17   31/5 42/11 48/13 54/22 54/23 56/21
detention [1] 53/20                    65/9                                 67/24
deter [1] 41/2                        dollars [1] 40/8                     ever [7] 44/13 49/5 51/22 51/23
determine [4] 20/2 30/13 31/6 63/25 don't [43] 6/5 15/18 17/4 20/1 20/24 51/24 60/9 66/18
determined [2] 33/14 63/2              21/14 23/7 23/18 23/24 24/18 27/25  every [6] 8/10 25/6 44/10 44/10
determines [1] 18/10                   28/1 28/23 29/8 29/10 31/5 32/1      52/15 53/23
determining [3] 23/12 31/2 31/3        32/25 33/1 38/19 40/10 41/4 44/10   everybody [7] 50/2 50/3 54/21 54/21
deterrence [2] 43/4 67/9               44/22 46/6 48/1 48/6 48/20 49/20     54/22 67/2 67/5
deterrent [4] 56/14 56/17 56/22        50/13 52/2 52/5 53/14 53/23 54/1    everyone [2] 15/25 59/4
 56/25                                 54/15 54/16 54/16 57/2 57/3 58/21   everything [1] 57/4
deterrents [1] 68/4                    65/5 65/9                           evidence [19] 5/12 6/22 7/2 9/1 12/9
dictionary [1] 23/9                   done [12] 8/15 15/20 16/5 20/25       18/8 18/14 18/21 18/25 21/4 21/5
did [35] 4/24 4/24 5/16 6/5 9/7 9/14 24/20 25/7 26/11 49/5 49/24 53/25      26/1 26/5 26/8 26/20 27/11 32/2
 12/9 14/1 16/5 16/8 16/9 21/13 25/2   62/4 67/1                            32/25 34/16
 25/4 28/15 28/18 30/20 38/3 40/14    double [1] 47/25                     exactly [7] 30/3 30/19 46/5 46/23
 41/24 42/14 43/9 45/16 46/22 46/22   double-edged [1] 47/25                46/24 47/13 49/3
 49/1 49/25 50/7 50/16 57/10 64/22    down [10] 4/20 29/15 29/21 29/22     example [2] 22/17 30/20
 64/25 65/6 65/19 66/5                 42/6 46/15 47/6 51/5 56/11 58/11    exception [1] 35/22
didn't [27] 7/1 17/11 17/16 18/6      downward [1] 35/17                   exceptions [2] 69/23 70/3
 18/7 23/4 26/3 26/5 26/12 27/23      dozen [2] 8/12 23/25                 excess [1] 62/2
 28/19 28/21 28/22 29/8 29/16 29/17   dozens [1] 55/14                     excuse [1] 50/10
 38/2 42/15 49/4 51/9 51/16 52/16     dreams [1] 51/1                      excused [1] 64/4
 53/21 55/9 64/24 64/24 65/16         Drive [1] 1/23                       expense [2] 42/12 42/21
die [1] 47/17                         driver [2] 16/1 16/7                 experience [1] 47/19
died [3] 11/24 12/1 48/10             driver's [1] 14/6                    explain [4] 10/14 20/24 38/11 50/4
difference [9] 17/16 17/22 18/1       driving [1] 38/4                     explained [1] 5/20
 18/18 25/6 39/5 39/6 39/6 45/1       drug [3] 55/17 62/25 65/11           explains [1] 50/11
different [15] 5/19 8/7 8/7 24/3      drugs [8] 47/17 48/13 50/4 50/9 53/7 explicit [1] 14/9
 24/4 24/14 25/11 25/19 39/12 39/18    53/12 54/1 56/1                     expressed [2] 41/16 54/15
 49/21 49/22 53/18 53/22 53/22        due [7] 25/15 26/6 27/22 43/2 48/25 extending [1] 59/9
direct [1] 17/16                       61/5 61/18                          extensive [17] 3/24 4/7 4/15 10/19
directed [11] 9/15 14/21 18/16 21/11 during [8] 39/23 40/1 47/16 48/7       11/5 18/14 23/5 23/8 23/13 23/20
 21/25 26/6 26/7 27/1 30/22 32/19      48/10 50/9 61/21 64/10               23/24 24/7 24/8 30/14 31/4 31/7
 63/4                                 Duron [1] 14/7                        39/14
directing [1] 9/11                    duties [2] 58/13 59/15               extremely [4] 13/11 39/10 40/19
direction [2] 14/3 22/6               duty [1] 59/18                        41/15
directly [1] 59/24                                                         eyeballs [1] 43/18
disagree [5] 19/17 44/6 46/11 46/13 E
 48/6
disclosure [1] 63/15                  each [6] 5/20 36/8 37/5 59/20 59/23 F
discuss [1] 3/7                        62/12                               face [1] 41/9
discussed [3] 27/8 46/5 69/22         earlier [5] 17/2 30/22 41/14 44/20   facilitate [1] 35/1
dishonorable [1] 59/3                  57/12                               facility [1] 70/21
disparate [2] 20/15 67/24             earned [1] 67/20                     fact [13] 3/11 27/23 33/7 38/8 40/4
disparities [1] 43/8                  earns [1] 61/20                       44/11 44/16 50/4 50/8 51/3 56/15
disparity [2] 20/13 67/15             east [2] 60/3 60/3                    65/5 65/13
                                      Eastern [1] 14/15                    factors [7] 20/11 37/14 39/10 41/24
Case 1:20-cr-00228-MHC-JKL               Document 321           Filed 07/10/23        Page 77 of 85
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F                                     folks [5] 16/17 28/18 32/22 48/20        gives [1] 11/9
                                       66/12                                   glad [1] 58/11
factors... [3] 43/5 56/14 64/6        follow [1] 63/23                         glorify [1] 59/17
factory [1] 24/1                      following [2] 2/19 63/5                  go [16] 3/25 6/20 8/12 16/23 42/14
facts [5] 19/10 19/12 20/24 45/12     follows [2] 33/9 36/5                     43/9 45/15 45/20 45/25 47/18 52/2
 52/16                                foot [1] 50/24                            52/22 53/15 58/8 65/9 65/14
failed [4] 35/11 58/13 58/14 58/15    football [1] 54/5                        God [5] 58/14 59/14 60/11 60/14
failure [2] 52/23 63/11               force [1] 64/22                           60/14
fair [11] 20/2 20/22 30/2 37/13 39/8 foregoing [2] 35/14 72/18                 God's [1] 58/15
 44/15 47/3 47/13 64/7 67/16 67/17    foreseeability [3] 28/14 28/24 29/19 goes [6] 18/12 18/13 20/6 26/17 28/4
fake [6] 9/6 12/10 14/2 14/5 22/6     foreseeable [1] 30/1                      29/25
 22/19                                forfeited [1] 57/15                      going [59] 5/15 8/19 13/14 13/15
false [2] 7/5 13/1                    forfeiture [7] 36/24 45/22 57/11          14/13 20/4 25/22 27/21 31/6 31/21
falsely [1] 38/13                      57/13 57/23 62/4 71/5                    38/11 40/13 40/15 41/1 41/1 41/9
familiar [1] 19/9                     forged [1] 9/23                           41/9 44/23 44/24 44/25 45/5 45/21
family [10] 47/23 48/7 48/9 50/24     forgeries [1] 24/2                        45/23 45/23 46/21 47/12 48/4 48/25
 51/19 54/14 54/16 56/7 64/25 66/21   forging [1] 10/7                          49/12 51/3 51/14 51/20 51/20 51/24
family's [1] 58/22                    form [1] 72/16                            51/24 52/23 54/17 54/18 54/18 54/19
fancy [1] 54/8                        forms [1] 10/8                            55/18 56/9 56/10 56/24 57/12 61/10
far [4] 26/18 29/25 43/2 48/24        forth [7] 33/16 34/5 34/11 34/20          62/16 63/5 63/22 66/1 66/3 66/5 66/6
father [3] 50/8 50/20 60/5             35/3 36/1 67/13                          66/9 66/10 66/11 66/15 66/16 66/20
Fayne [56] 9/19 11/17 12/16 14/3      forward [5] 45/24 45/25 51/20 51/20 golden [1] 58/17
 14/10 14/12 14/20 14/20 14/23 15/2    65/6                                    gone [4] 38/18 42/16 49/14 60/1
 15/25 16/5 16/7 16/8 16/8 16/8 16/15 found [6] 11/19 11/22 33/18 55/24        good [10] 2/7 2/18 42/18 50/16 55/22
 17/18 21/3 21/5 21/25 29/4 29/20      59/8 60/4                                55/24 58/22 65/20 65/20 70/12
 30/17 30/19 31/9 32/16 36/14 37/20   four [8] 6/24 9/24 12/3 21/3 32/11       got [64] 5/5 8/3 9/19 9/24 9/25 10/1
 38/2 38/3 38/3 38/8 38/10 38/10 40/2 47/6 47/7 47/10                           18/2 20/2 20/15 21/3 21/4 22/10
 40/6 40/17 41/18 43/10 44/14 45/7    four-level [5] 6/24 9/24 21/3 47/6        22/14 22/18 22/23 24/13 24/16 24/19
 45/8 45/15 45/20 56/17 61/12 61/15    47/7                                     25/9 26/12 27/11 27/17 27/18 27/22
 64/15 64/23 67/18 67/23 68/13 68/16 fraud [44] 2/22 2/24 7/7 9/8 9/9           28/1 28/20 29/5 30/3 30/4 39/19 40/5
 68/20 68/21                           9/15 9/17 9/21 9/21 10/8 12/23 13/19 43/12 43/25 44/19 45/7 45/10 45/15
Fayne's [7] 7/13 13/2 13/9 13/25       19/4 19/4 19/7 22/16 24/13 26/21         45/17 45/19 46/2 46/6 46/7 46/23
 14/6 15/3 29/16                       27/14 27/16 28/20 30/16 32/8 32/8        48/1 48/11 48/16 48/22 49/2 49/5
FBI [2] 2/13 13/7                      32/18 32/19 32/20 33/23 38/7 39/19       49/9 49/10 49/10 50/4 50/8 52/15
FCI [1] 70/18                          41/5 43/14 43/15 43/16 43/17 45/2        56/6 56/17 65/1 65/15 66/1 67/1
fear [1] 58/25                         45/13 47/9 51/10 52/5 61/15 64/12        67/18 67/22 67/23
federal [3] 3/1 21/9 62/22             64/15 67/17                             gotten [1] 49/24
federally [1] 39/19                   fraudster [1] 51/3                       government [44] 3/5 3/14 3/17 3/22
fees [1] 70/6                         fraudulent [9] 7/13 9/12 9/20 14/6        4/24 5/12 6/21 6/24 7/24 8/1 8/4 8/9
feet [1] 40/16                         14/15 24/1 35/1 38/9 38/13               8/13 8/15 8/20 10/5 13/15 15/12
fell [1] 29/5                         Friday [3] 1/6 54/6 72/11                 15/23 17/23 19/7 19/8 23/23 24/5
fellow [2] 39/21 59/10                friend [2] 55/11 55/18                    25/24 26/10 26/23 27/8 27/17 31/14
felony [1] 50/7                       friends [5] 48/9 55/9 55/24 66/14         31/22 32/1 32/10 33/3 37/8 40/9
few [3] 10/2 69/23 70/3                66/22                                    42/16 42/21 52/1 58/23 59/4 60/17
fictitious [1] 19/6                   front [1] 32/22                           68/7 71/3
field [1] 54/5                        fugitive [1] 59/1                        government's [9] 5/3 5/11 6/15 15/6
fifth [1] 44/14                       full [3] 59/20 61/19 61/24                16/13 16/16 20/10 29/20 32/22
figure [1] 15/19                      fundamental [2] 69/8 69/15               governs [1] 28/10
figured [1] 54/24                     further [9] 30/7 31/19 57/7 60/17        grand [1] 11/22
figures [1] 54/22                      60/19 61/7 70/10 71/2 71/7              grandeur [1] 51/3
file [2] 34/18 70/8                   furthering [1] 12/10                     grateful [2] 60/6 60/10
filed [8] 5/19 5/24 6/7 14/3 14/5     Furthermore [1] 26/2                     great [5] 48/7 48/23 48/23 58/13
 27/2 37/16 70/4                      future [2] 41/2 41/3                      71/6
fill [1] 38/12                                                                 greater [6] 27/23 34/7 52/13 61/21
filled [1] 40/5                       G                                         64/7 68/5
final [2] 21/24 69/2                                                           grew [2] 50/21 54/4
finally [4] 23/3 42/17 58/19 65/6     G-A-N-E-L-L [1] 13/24
                                      gain [1] 36/7                            gross [1] 62/2
finances [1] 63/15                                                             grounds [1] 63/11
financial [1] 63/16                   game [1] 54/7
                                      gand.uscourts.gov [1] 1/24               group [1] 33/13
financially [1] 40/10                                                          grouped [1] 33/12
find [7] 21/11 23/2 23/3 23/4 23/16 Ganell [2] 13/24 29/15                     grouping [1] 33/15
 31/8 32/1                            gave [1] 12/21
                                      gears [2] 16/2 16/3                      grown [1] 53/16
findings [4] 3/10 33/6 68/8 68/24                                              guard [1] 8/6
finds [2] 10/25 62/7                  general [2] 55/14 67/9
                                      generally [1] 69/25                      guess [1] 45/14
fine [6] 36/2 36/7 36/12 51/2 62/8                                             guidance [1] 23/7
 62/9                                 generation [1] 54/17
                                      gentleman [2] 60/7 66/14                 guided [1] 59/12
finish [3] 21/19 22/3 69/12                                                    guideline [23] 20/6 33/9 33/17 33/20
Finlayson [15] 1/18 2/16 2/18 3/6     genuine [1] 55/22
                                                                                33/21 33/24 33/25 34/10 36/3 36/11
 25/1 30/8 42/19 43/1 48/17 57/6 57/9 GEORGIA [4] 1/1 1/6 1/23 72/7             36/12 37/7 38/21 38/24 43/23 52/4
 58/5 69/5 70/11 70/16                get [38] 4/11 11/4 13/9 15/16 16/14
                                                                                52/7 52/18 56/12 67/13 67/14 68/8
first [16] 4/5 5/23 7/20 11/14 26/22 16/18 17/11 17/22 18/17 20/4 21/18         68/24
 33/10 38/6 43/11 44/12 44/12 44/13    22/15 25/14 25/23 26/3 26/21 27/9
                                       28/5 28/19 28/21 29/2 29/2 29/23        guidelines [25] 3/20 4/19 11/12
 44/14 47/14 48/19 49/5 64/9                                                    13/23 15/14 16/24 17/10 19/15 23/6
five [26] 3/24 4/6 4/14 10/16 10/24    30/17 38/3 40/3 40/4 40/16 40/16
                                       45/16 47/7 47/17 48/21 49/2 49/12        23/7 31/24 33/11 35/21 43/25 44/2
 10/25 11/5 15/7 15/9 16/15 16/18                                               44/5 48/18 48/21 49/3 52/5 52/16
 17/13 17/23 21/4 22/23 23/4 25/14     51/22 55/21 60/8
                                                                                52/17 53/15 65/4 65/17
 25/23 28/5 28/5 29/2 31/2 31/7 37/5 gets [8] 16/15 25/8 29/20 43/14 50/9 guilty [8] 2/20 7/6 14/14 37/22 59/2
 56/24 62/11                           54/21 54/25 56/4
                                      getting [12] 8/19 10/11 10/12 17/25       69/7 69/9 69/16
flat [1] 45/2                                                                  gun [1] 64/22
flat-out [1] 45/2                      18/4  26/17  42/13 42/21  49/12  53/12
                                       54/1 58/20                              gut [2] 42/5 48/3
flawed [1] 24/19                                                               gut-wrenching [2] 42/5 48/3
fled [4] 47/11 47/13 49/16 50/3       give  [9]  6/5  6/9 6/17  25/23  40/13
                                       47/8  47/10  56/23 59/7                 guy [2] 14/25 50/21
fleeing [1] 48/15
focusing [4] 5/1 10/21 15/12 15/23    given  [8]   30/3 32/3 46/12  47/3  53/8
                                       56/16 57/4 59/16
Case 1:20-cr-00228-MHC-JKL               Document 321          Filed 07/10/23        Page 78 of 85
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H                                       43/10 43/11 43/13 43/22 44/3 44/5     7/24 8/3 8/11 9/24 10/5 10/11 10/12
                                        44/8 44/12 46/12 47/4 50/6 51/10      11/2 11/3 16/11 18/4 18/15 18/17
hadn't [3] 38/17 49/15 49/15            65/6 65/8 65/9                        19/22 21/4 21/17 31/15 31/23 32/3
half [1] 40/8                          hoe [1] 48/22                          32/9 32/10 33/1
hand [3] 14/1 18/3 55/1                holding [1] 7/19                      increased [1] 56/22
handing [2] 6/14 55/5                  honest [2] 24/17 55/22                increases [2] 10/1 32/21
handle [1] 47/22                       honestly [1] 53/21                    increasing [1] 56/21
hands [1] 40/3                         honor [57] 2/7 2/9 2/16 3/8 3/12      incur [1] 63/17
hanging [1] 24/16                       3/16 4/2 4/19 5/10 5/18 6/1 6/7 6/11 indicated [1] 63/20
happen [3] 51/12 56/11 66/1             6/14 6/18 6/21 8/22 10/14 11/9 12/11 indict [3] 27/23 27/25 28/1
happened [3] 16/6 42/9 51/7             15/11 16/23 17/21 18/18 18/25 19/9   indicted [4] 11/22 12/4 29/6 29/7
happy [1] 48/1                          20/16 21/19 22/12 24/21 25/5 25/7    indictment [4] 2/4 2/21 2/24 25/17
hard [1] 51/25                          28/4 31/20 33/5 36/25 37/9 37/11     individual [1] 39/12
harder [2] 48/4 48/5                    37/18 37/19 55/1 56/6 57/1 57/9      individuals [8] 9/1 9/20 24/6 32/19
hardest [1] 48/3                        58/13 58/14 59/3 59/12 60/5 60/7      32/20 35/1 39/18 58/20
hardly [2] 43/11 44/17                  60/18 60/21 68/10 69/1 69/10 70/18   industry [2] 14/5 50/20
hardship [2] 34/14 65/10                71/8                                 inflammatory [1] 13/12
hardships [1] 59/25                    honorable [2] 1/13 59/7               inflation [2] 52/5 52/18
harm [2] 33/12 33/14                   hook [1] 40/18                        influenced [1] 59/19
harsh [1] 41/12                        hope [3] 41/4 56/4 67/5               information [2] 7/2 37/23
Harvard [1] 2/10                       hopefully [2] 66/10 66/25             informed [1] 59/6
has [67] 3/2 3/4 6/13 6/24 7/15 8/1    hoping [1] 60/8                       initials [1] 12/19
 8/4 8/15 8/20 12/7 12/12 15/13 18/6   horrendous [1] 64/21                  insights [1] 53/19
 19/3 23/12 23/17 23/23 25/7 26/4      horrible [3] 41/23 51/7 51/17         installments [1] 61/20
 26/15 26/23 26/24 27/8 27/11 27/17    horse [1] 52/6                        instead [3] 56/23 56/24 59/2
 27/18 27/22 28/1 28/18 29/22 31/14    hour [1] 59/10                        instruction [1] 59/8
 32/2 32/11 34/3 35/24 36/3 37/24      hours [1] 62/13                       instructions [1] 15/3
 38/4 41/16 42/19 42/20 45/25 49/5     house [2] 50/22 54/5                  instructs [1] 33/19
 49/9 49/10 49/10 51/7 51/17 52/17     how [11] 8/1 12/22 18/12 25/8 25/8    insured [1] 39/19
 53/11 53/14 53/15 53/15 53/16 54/24    25/14 27/13 28/10 40/4 45/17 54/17   intended [2] 33/21 39/22
 54/24 54/25 55/7 58/5 59/7 59/14      However [1] 69/21                     intent [2] 27/13 59/12
 61/11 62/5 63/25 67/2 68/9 68/25      huge [1] 45/24                        interesting [1] 43/7
have [180]                             human [2] 47/15 48/3                  intern [1] 2/10
haven't [3] 15/20 45/16 54/16          hundred [1] 45/10                     introduced [1] 12/16
having [3] 10/4 14/9 55/17             hurt [1] 65/2                         invest [1] 59/19
he [208]                               hurting [1] 39/23                     invested [3] 59/18 59/19 60/2
he's [16] 7/3 11/17 11/18 12/15                                              investigation [2] 3/3 35/7
 21/17 28/16 38/4 38/6 38/15 42/16     I                                     investment [1] 13/2
 50/22 50/23 50/24 53/18 56/9 63/8
head [3] 19/16 49/14 64/22             I'll [7] 21/21 55/1 55/1 62/5 69/12 investor [2] 22/20 59/24
                                        70/24 71/4                           investors [3] 14/9 45/4 58/16
hear [9] 20/1 21/2 24/18 37/12 42/5
 46/3 46/5 54/11 58/9                  I'm [63] 4/18 5/8 5/9 6/14 10/4 10/9 involuntary [1] 69/7
                                        10/9 10/22 10/23 13/3 15/19 15/21    involve [2] 23/25 23/25
heard [4] 19/2 45/16 64/16 68/10                                             involved [28] 3/24 4/6 7/7 9/8 9/20
hearing [8] 1/12 2/19 15/21 15/22       15/22 15/24 19/9 19/12 19/17 19/25
                                        20/21 20/21 20/22 21/14 24/9 24/11    12/17 14/6 14/8 14/21 17/12 17/13
 16/1 69/23 70/14 72/15                                                       17/15 23/15 24/15 30/19 30/23 34/14
hearings [1] 64/11                      31/5 31/21 32/6 32/7 33/2 34/24
                                        38/16 39/2 42/14 44/23 46/14 46/14    34/17 38/6 38/7 39/19 40/23 43/17
heavy [1] 48/16                                                               43/18 48/11 58/20 59/4 66/18
held [3] 11/24 41/9 72/11               46/16 47/2 47/12 48/15 48/23 48/25
                                        49/8 49/13 49/25 50/1 50/15 51/14    involving [2] 19/4 33/12
help [5] 23/10 38/12 39/22 56/4                                              irregularity [1] 58/19
 60/14                                  52/20 52/20 53/6 54/15 54/18 54/18
                                        54/19 58/11 60/10 62/16 63/5 63/22   is [248]
helps [1] 27/15                                                              isn't [1] 48/19
her [11] 12/25 13/1 14/11 14/15         65/25 66/8 66/20
                                       I've [2] 56/1 63/2                    issue [9] 4/5 4/13 5/14 15/12 18/12
 16/11 19/16 28/20 28/22 29/17 29/17                                          18/13 21/23 27/21 30/10
 29/17                                 idea [1] 38/8
                                       identify [1] 2/5                      issued [1] 61/11
here [33] 4/13 4/17 10/3 11/7 16/8                                           issues [1] 10/21
 18/20 20/1 20/17 21/13 23/19 24/16    image [1] 59/14
                                       immediately [2] 61/6 61/18            it [144]
 25/7 25/11 25/13 25/13 25/24 27/8                                           it's [55] 4/20 4/20 6/3 6/23 8/5
 28/3 29/23 30/5 32/4 32/12 33/2       impact [1] 65/11
                                       impede [1] 35/6                        8/18 8/20 8/23 8/23 17/8 17/9 17/18
 35/23 44/11 45/10 47/23 49/17 51/20                                          20/9 22/16 26/1 27/10 28/10 29/10
 53/1 57/4 65/14 66/13                 impeded [1] 35/5
                                       implement [1] 58/13                    29/11 29/25 30/1 30/1 32/11 36/17
here's [5] 15/24 16/21 48/12 53/14                                            41/10 41/12 41/12 41/25 43/4 44/9
 65/20                                 implore [1] 58/15
hereby [2] 61/1 72/8                   important [8] 23/16 40/10 41/15 54/2 44/9 46/16 47/6 47/25 48/16 49/8
                                        54/10 54/13 54/14 54/20               49/25 51/5 53/4 53/15 54/1 54/12
hey [1] 49/11                                                                 54/19 54/20 54/22 54/24 56/24 61/12
hiding [1] 42/16                       impose [7] 3/18 31/23 32/25 37/1
                                        42/24 62/20 63/5                      64/12 64/21 64/21 67/22 67/24 70/22
higher [2] 65/4 67/21                                                         70/23
him [28] 2/21 2/24 4/25 10/12 11/20    imposed [5] 7/25 32/21 38/17 59/15
                                        67/7                                 its [1] 31/14
 14/21 14/23 15/3 16/10 16/10 21/5                                           itself [2] 7/16 69/24
 25/23 27/1 27/1 30/23 37/21 37/23     imposing [4] 8/6 33/1 52/19 68/11
 47/10 47/25 51/17 51/22 51/25 52/1    imposition [1] 35/21
                                       impossible [1] 51/21                  J
 54/11 54/12 55/8 55/9 59/17
himself [2] 11/14 11/16                imprisoned [1] 61/2                   jaded [1] 53/24
hire [1] 27/15                         imprisonment [5] 34/3 36/6 61/24      jail [3] 13/14 66/6 66/21
his [55] 5/15 7/12 11/21 14/1 14/1      62/10 63/1                           jailhouse [1] 53/25
 14/3 22/6 26/6 27/24 27/25 28/18      incapacitation [1] 68/4               Jay [64] 1/7 2/4 2/17 5/2 5/3 5/16
 29/19 30/1 38/9 40/7 42/19 43/11      incarcerated [1] 59/8                  5/24 10/10 12/16 16/2 16/11 18/22
 43/18 44/12 44/13 44/13 44/14 45/23   incarceration [3] 61/21 62/8 62/9      20/4 22/1 22/4 22/9 22/10 22/13
 47/4 47/24 49/14 50/20 50/22 51/19    included [2] 27/3 62/21                22/18 26/20 28/18 28/21 29/3 29/16
 51/23 53/8 53/10 53/15 53/19 54/14    including [2] 5/19 12/3                30/17 30/20 31/9 38/1 38/5 38/7
 54/19 54/20 55/9 55/21 55/23 56/7     income [1] 62/2                        38/11 38/12 40/17 42/10 42/15 43/6
 57/10 59/14 61/22 61/24 62/8 63/4     inconsistency [1] 32/5                 43/20 43/21 44/2 44/11 44/18 45/15
 63/9 63/15 63/17 63/19 63/21 64/3     inconsistent [4] 20/18 21/1 21/15      45/17 45/21 46/11 49/14 50/6 50/12
 64/4 67/19                             23/17                                 51/8 53/17 53/17 55/7 57/5 58/2 60/4
history [19] 35/25 35/25 36/11 43/6    incorporate [2] 57/25 62/6             60/16 60/25 64/15 64/18 64/22 69/6
                                       increase [26] 3/14 3/18 4/3 6/24       70/13 70/20 72/12
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23        Page 79 of 85
                                                                                                              79
J                                      32/13 34/4 34/17 34/17 63/1          major [1] 9/16
                                      leave [1] 70/6                        make [18] 14/21 20/12 25/6 26/10
Jay's [7] 28/15 29/18 38/8 41/20      led [1] 8/25                           27/17 30/18 51/6 51/12 51/21 54/12
 47/3 48/17 64/10                     left [1] 42/8                          58/3 58/6 58/9 61/7 63/2 63/15 65/18
Jimia [1] 15/1                        legal [1] 59/2                         66/9
job [4] 20/14 20/23 41/13 48/23       Leigh [1] 2/16                        makes [3] 17/3 28/12 54/21
Joey [7] 5/19 5/22 7/10 9/7 26/25     length [1] 23/14                      making [1] 15/24
 27/3 29/9                            lengthy [1] 41/10                     Malloy [2] 1/17 2/8
John [1] 1/17                         less [2] 34/8 41/20                   man [11] 12/14 12/15 14/1 14/7 14/19
joint [7] 7/20 36/14 61/16 68/11      let [7] 7/21 21/19 22/3 32/4 37/12     47/8 50/6 53/22 54/9 66/7 66/7
 68/12 68/15 68/16                     64/6 69/12                           managed [2] 18/16 22/22
jointly [1] 61/14                     let's [2] 15/8 41/4                   manager [6] 3/21 3/23 4/12 5/4 17/8
journey [1] 60/12                     letter [1] 66/15                       31/25
joyful [1] 66/25                      letters [2] 56/6 66/12                managerial [1] 4/8
judge [8] 1/13 23/16 31/12 41/23      level [58] 3/18 3/19 4/3 4/10 4/11    managers [1] 32/18
 42/23 46/21 68/18 71/4                6/23 6/24 6/24 7/17 7/24 8/3 8/11    mandatory [2] 36/9 62/21
judges [1] 23/8                        9/22 9/24 9/25 10/5 10/6 10/11 10/12 manhood [1] 60/9
judgment [6] 57/11 57/18 58/25 60/25 11/2 11/3 17/11 19/7 19/22 21/3        manner [2] 68/9 68/25
 62/6 70/4                             21/17 21/18 23/2 24/15 29/23 31/15   manual [2] 33/10 33/18
judith [4] 1/21 1/24 72/5 72/24        31/23 31/23 32/3 32/9 32/10 32/17    manufacture [2] 9/6 9/11
July [1] 72/21                         32/21 33/1 33/13 33/20 34/4 34/7     manufactured [1] 22/6
June [3] 1/6 6/7 72/11                 34/13 34/22 35/4 35/14 35/17 35/19   manufacturing [1] 12/9
jury [1] 11/22                         36/10 43/3 44/4 46/16 47/6 47/7      many [9] 8/1 18/12 44/7 46/9 47/18
just [62] 7/21 7/22 8/5 8/18 8/18      52/11 52/13 60/7                      48/11 48/14 48/20 56/2
 8/20 10/2 10/9 11/25 15/8 16/16 17/7 levels [9] 8/13 8/20 11/4 24/6 30/4 March [1] 39/15
 17/14 17/17 18/6 19/17 20/8 20/9      34/6 34/12 34/21 35/4                MARK [3] 1/13 13/12 26/7
 20/22 21/7 21/19 21/22 22/3 25/15    license [1] 14/6                      material [2] 37/16 54/9
 27/1 27/10 27/19 29/1 30/8 30/9      lie [1] 65/18                         math [1] 12/4
 32/11 33/1 35/22 40/5 40/8 40/9 42/2 life [12] 42/5 45/23 47/24 51/16      matter [3] 17/13 17/17 72/12
 42/4 44/19 44/21 44/23 45/2 45/12     53/20 54/18 54/21 55/14 64/24 66/10 matters [1] 40/21
 46/13 46/25 47/14 48/15 48/23 50/8    66/11 66/20                          Maurice [13] 11/17 13/25 15/25 17/18
 51/5 51/11 51/11 51/12 51/14 55/21   lifetime [1] 51/10                     21/25 29/3 30/17 36/14 37/20 40/2
 56/22 57/9 58/4 58/8 58/9 58/23      lights [2] 54/5 54/6                   41/18 45/15 68/15
 65/24                                like [20] 2/9 9/18 17/10 21/7 24/2    maximum [2] 34/3 37/25
justice [3] 35/6 42/17 43/3            26/1 32/16 40/17 44/2 45/4 45/11     may [13] 8/17 15/21 20/15 27/16
justifiably [1] 67/18                  47/20 50/23 51/6 51/12 54/6 54/19     27/16 39/16 43/22 44/6 55/3 59/17
justified [1] 65/16                    55/19 66/14 66/19                     68/13 68/14 69/21
justify [2] 47/5 50/10                line [4] 29/21 29/22 48/13 51/2       maybe [7] 25/20 28/7 29/10 45/14
K                                    lineman [1] 50/20                     46/4 53/24 53/24
                                     lines [1] 63/18                      me [50] 5/2 5/9 6/6 6/9 6/17 7/21
Kawanza [2] 15/5 21/24               lion's [3] 38/3 46/3 60/11            8/9 8/15 8/19 8/21 10/5 15/17 15/18
keep [4] 39/25 39/25 44/23 45/8      list [1] 29/1                         15/21 15/22 16/8 16/20 17/14 17/17
keeping [1] 14/13                    lit [1] 54/6                          19/3 19/7 19/17 21/19 22/3 23/23
kept [1] 40/15                       litigation [1] 53/11                  24/12 24/16 24/24 32/4 32/23 37/12
kind [8] 18/10 26/3 44/20 45/17 56/7 little [8] 8/5 10/9 20/6 45/11 46/18 37/19 38/11 38/11 47/7 55/19 55/20
 56/8 56/9 56/25                      50/12 50/18 52/4                     57/10 58/18 59/7 59/14 59/14 59/15
kinds [2] 67/11 67/12                lived [2] 12/15 49/16                 59/16 59/19 59/24 60/12 64/6 69/12
knew [3] 13/17 46/5 58/11            lives [1] 48/8                        72/16
know [27] 2/13 4/9 16/14 19/18 21/21 loan [13] 4/17 5/1 5/8 7/13 14/15    mean [5] 8/25 12/1 19/19 20/14 24/7
 23/21 23/24 27/16 28/22 28/23 29/17  14/20 30/18 35/2 38/9 45/19 45/20   meaning [3] 11/12 13/22 22/10
 38/9 38/19 41/15 42/9 42/12 45/12    61/15 64/20                         meaningful [1] 51/25
 45/18 45/18 45/23 46/6 50/13 51/4   local [1] 62/22                      means [4] 16/25 23/8 44/9 50/13
 55/23 64/23 65/11 66/4              location [1] 70/17                   meant [1] 68/14
knowing [7] 11/9 14/11 17/2 27/4     long [4] 28/17 42/8 52/6 53/25       measuring [1] 52/14
 27/11 27/20 28/2                    look [12] 20/4 22/7 23/14 26/19      meddle [1] 43/24
knowledge [2] 20/19 27/14             30/13 31/6 43/10 45/9 46/10 50/5    meet [9] 10/17 12/11 13/4 29/11
known [4] 13/25 55/7 55/8 56/1        50/7 50/15                           31/13 40/12 43/3 43/4 55/9
knows [1] 11/18                      looked [2] 6/4 23/9                  meeting [1] 13/8
                                     looking [3] 5/7 43/7 50/5            meets [3] 15/13 31/8 68/3
L                                    looks [1] 54/19                      member [1] 19/3
label [2] 27/10 27/19                Lord [1] 60/14                       members [1] 48/10
lack [1] 14/1                        lose [1] 47/20                       memo [9] 5/21 5/24 8/18 9/10 11/7
lady [5] 12/18 13/4 13/5 13/24 42/1 loss [8] 10/10 33/14 34/7 34/9 36/8    22/7 27/25 41/23 52/4
language [1] 22/12                    39/16 46/7 52/10                    memorandum [4] 5/20 6/15 37/15 50/16
large [4] 23/25 24/7 56/17 64/16     lost [5] 48/8 49/6 50/3 60/4 64/17   memos [1] 56/20
largely [1] 33/14                    lot [20] 13/14 15/23 16/7 19/2 21/22 mentioned [1] 28/18
Las [1] 55/10                         25/2 32/4 42/13 42/13 45/7 47/23    message [8] 13/12 22/8 40/20 40/25
last [7] 7/22 22/8 42/15 47/20 47/24 48/9 49/18 50/13 52/9 65/1 65/10      41/6 41/13 49/11 56/18
 52/23 55/1                           65/22 66/3 66/8                     messages [2] 38/10 42/7
lasted [1] 39/15                     lots [2] 41/5 41/5                   met [3] 29/17 31/14 55/10
late [2] 54/22 54/24                 love [5] 12/25 46/3 46/5 55/10 59/13 metamorphosis [1] 60/1
later [2] 53/4 55/20                 low [8] 39/1 46/15 46/15 47/7 65/3   MHC [2] 1/4 72/13
law [9] 2/10 3/11 16/22 20/24 28/8    65/7 65/17 67/14                    mic [1] 58/9
 28/10 28/11 33/7 69/20              low-guideline [1] 67/14              Michael [6] 4/23 55/6 61/15 61/16
lawyer [2] 48/23 67/20               lowball [3] 46/18 46/20 46/22         68/13 68/16
lawyering [1] 42/18                  luck [1] 22/11                       mid [1] 32/17
leader [16] 3/20 5/4 9/18 9/18 9/24 lump [1] 18/9                         mid-level [1] 32/17
 15/7 16/17 17/6 17/8 26/2 28/4 28/6 lumped [1] 31/1                      middle [4] 10/6 24/15 38/24 41/21
 31/25 32/16 34/22 64/23                                                  middle-level [2] 10/6 24/15
leaf [1] 53/16                       M                                    middleman [1] 14/22
learned [1] 53/4                     machine [1] 72/10                    middlemen [1] 9/25
least [22] 4/10 6/25 7/8 10/16 10/20 made [10] 19/22 29/4 30/20 30/20     might [2] 24/8 53/2
 11/8 12/5 18/1 18/7 18/16 18/21      30/21 33/8 40/8 45/3 49/15 51/17    Mike [34] 5/13 6/22 7/2 11/20 12/18
 18/23 21/6 21/11 22/17 22/24 31/12  Madoff [1] 45/4                       12/22 13/4 13/6 13/21 18/8 21/14
Case 1:20-cr-00228-MHC-JKL               Document 321           Filed 07/10/23        Page 80 of 85
                                                                                                                 80
M                                     58/22 58/23 58/23 58/25 59/4 59/9         offer [1] 23/7
                                      59/9 59/12 59/18 59/18 59/20 60/5         office [13] 2/10 2/14 3/2 8/24 9/17
Mike... [23] 22/9 22/12 26/2 26/5     60/9 60/10 60/10 60/13 60/13 66/20         19/3 23/17 24/12 32/6 42/12 62/15
 26/11 29/4 30/4 30/21 37/22 37/25   myself [3] 58/14 58/19 66/7                 63/8 64/5
 38/5 38/15 38/18 41/19 43/12 43/13                                             officer [5] 27/3 30/3 63/4 63/17
 43/17 44/13 44/16 46/10 46/11 46/12 N                                           63/19
 56/5                                                                           offices [1] 72/7
million [8] 34/8 34/8 36/7 39/17     name [2] 14/7 58/22
                                     named [5] 12/14 13/24 14/7 14/19           Official [3] 1/22 72/6 72/25
 40/8 45/22 46/8 48/8                                                           often [1] 55/11
minimum [2] 36/9 61/21                15/1
                                     names [2] 27/7 29/1                        oh [6] 25/12 27/8 27/19 51/11 53/25
minute [1] 42/15                                                                 60/14
misheard [1] 68/13                   narrower [1] 10/21
                                     nature  [1]   64/9                         Okay [13] 6/20 9/4 9/4 16/20 18/19
miss [1] 54/19                                                                   19/13 19/21 24/22 31/21 36/21 57/17
misstated [1] 68/14                  necessarily [6] 24/11 24/19 44/22
                                      48/11  50/10   52/8                        57/22 69/5
mistake [2] 29/5 54/19                                                          old [1] 54/15
mitigates [1] 50/11                  necessary   [9]   4/3  31/15  41/12 43/3
                                      43/4 43/5 56/11 64/8 68/5                 older [3] 50/22 50/23 66/8
moment [1] 6/17                                                                 once [3] 10/9 24/5 50/19
money [28] 7/5 13/1 13/9 13/20 15/2  neck  [2]   45/24  51/23
                                     need  [6]   52/2  57/19  66/23  67/7 67/15 one [45] 6/25 8/6 9/16 10/18 12/5
 28/21 29/21 30/18 30/23 38/3 39/22                                              12/15 13/20 15/8 15/9 16/10 17/7
 39/23 39/23 40/13 40/18 42/13 45/7   68/1
                                     needed  [1]   60/13                         17/9 17/18 18/1 18/4 18/7 18/16
 45/15 45/16 45/17 45/19 46/2 47/9                                               18/23 18/23 19/5 20/2 20/11 21/6
 52/12 57/11 57/17 62/3 64/18        needs  [4]   4/5  56/4  56/13  57/20
                                     neighbor   [2]   58/14  58/16               21/11 21/18 22/17 22/24 25/2 25/18
Monika [1] 2/12                                                                  28/5 34/14 34/17 36/11 41/20 42/2
month [4] 37/24 41/17 46/16 62/2     neighbors   [1]   59/18
                                     never [4] 24/5 29/17 56/1 60/12             44/21 46/4 51/11 51/11 52/23 55/22
monthly [4] 40/7 61/19 62/1 63/20                                                60/12 60/13 64/12 64/21
months [32] 36/12 37/21 37/25 38/17 new [5] 43/23 43/25 44/1 53/16 63/17 ones [1] 9/22
 38/21 38/24 39/5 39/7 39/7 40/24    news [1] 16/20
                                     next [3] 13/24 15/5 54/17                  online [2] 5/15 7/4
 42/16 42/24 43/12 45/5 45/5 45/5                                               only [20] 4/5 4/13 9/1 9/8 9/14
 46/11 46/16 46/23 49/13 49/18 49/23 NFL [1] 14/25                               10/23 11/4 12/4 17/9 17/22 18/23
 52/3 52/20 52/21 56/15 57/2 57/3    nice [1] 27/10
                                     night [1] 54/6                              21/17 22/5 29/6 31/5 40/20 41/19
 57/4 61/2 61/3 69/3                                                             48/4 67/16 70/22
moral [1] 58/21                      no [34] 1/4 3/10 5/12 6/21 10/1
                                      20/12 26/1 28/7 29/4 29/9 29/13           onward [1] 59/12
more [46] 3/24 4/6 4/14 5/1 5/3 5/7                                             open [3] 40/1 63/18 72/11
 9/16 10/24 10/25 11/5 17/13 17/23    31/20 33/3 33/7 34/19 35/24 36/9
                                                                                opinion [1] 53/7
 18/22 19/5 21/4 22/23 30/5 31/2 31/7 36/25 37/4 37/9 37/11 50/6 53/6
 34/14 34/14 38/5 38/6 38/15 39/15    56/21 56/23 60/14 60/18 60/21 64/21 opportunity [1] 3/7
                                      65/11 68/10 71/4 71/8 72/12               option [1] 37/4
 39/16 40/6 40/8 41/12 41/18 43/2                                               options [1] 36/5
 43/4 43/5 43/8 43/9 43/9 43/16 45/2 No. [1] 2/4                                oral [1] 57/20
 45/12 49/12 49/12 49/24 51/11 52/12 No. 20-cr-228 [1] 2/4                      order [11] 2/1 4/11 6/23 10/8 17/22
 53/4 60/9                           nobody [5] 65/23 65/24 65/24 66/1
                                      66/21                                      19/6 57/24 62/5 62/6 63/22 71/5
Morgan [1] 69/11                                                                ordered [3] 45/21 61/7 62/3
Morgantown [1] 70/18                 none [1] 21/4
                                     normally [1] 45/13                         orders [1] 61/4
morning [5] 2/7 2/15 2/16 2/18 6/5                                              organizer [3] 3/20 31/25 34/22
mortgage [2] 9/21 19/4               NORTHERN [2] 1/1 72/7
                                                                                originally [1] 29/4
most [8] 37/20 38/5 45/19 48/2 55/22 not [124]                                  other [38] 5/13 6/22 6/25 8/15 8/17
 64/12 67/18 69/23                   nothing [2] 47/20 47/21
                                     notice [2] 70/3 70/8                        9/19 9/21 10/8 12/5 15/18 15/20
moving [3] 12/21 12/21 42/4                                                      17/10 18/3 20/10 20/19 21/1 21/11
Mr [9] 2/17 5/5 16/1 17/16 48/17     noticed [2] 55/15 56/2
                                     notwithstanding [1] 67/20                   23/17 23/22 24/20 25/21 28/3 28/12
 56/16 64/22 66/14 67/22                                                         28/12 28/17 29/22 30/23 33/3 42/8
Mr. [77]                             November [2] 22/9 43/22
                                                                                 43/25 49/11 53/10 64/19 66/14 67/17
Mr. Fayne [15] 9/19 16/5 21/3 32/16 now [16] 8/18 16/9 49/2 50/24 51/17          69/8 69/15 70/24
 43/10 44/14 45/7 45/8 45/20 56/17    51/18 53/17 53/23 54/11 54/11 54/14
                                      54/25 56/11 60/9 70/10 70/16              others [5] 7/16 9/20 9/23 24/6 39/13
 61/12 64/15 64/23 67/18 67/23
Mr. Fayne's [1] 29/16                number [19] 5/18 6/2 11/17 18/2 18/9 otherwise [13] 3/24 4/7 4/15 10/19
                                      18/22 23/15 23/25 24/14 32/18 34/25        11/5 18/14 23/5 23/8 23/13 23/19
Mr. Finlayson [13] 2/18 3/6 25/1                                                 30/14 31/3 31/7
 30/8 42/19 43/1 48/17 57/6 57/9 58/5 39/9 45/17 46/3 46/4 46/22 47/2 47/2 our [4] 2/10 40/12 55/10 55/16
 69/5 70/11 70/16                     64/14
                                                                                ours [1] 48/9
Mr. Jay [25] 5/2 5/3 10/10 16/2 20/4 O                                          out [26] 7/3 9/12 15/3 15/19 20/5
 26/20 30/20 42/10 42/15 43/6 43/20                                              21/7 23/10 27/10 38/12 39/7 40/6
 43/21 44/2 44/11 44/18 46/11 49/14  object [2] 52/16 69/1
                                     objection [8] 3/14 27/2 31/22 33/2          41/5 44/15 45/2 46/2 47/17 48/13
 51/8 58/2 60/16 64/15 64/18 69/6                                                51/9 51/16 51/22 53/12 54/22 54/24
 70/13 70/20                          37/7 37/10 68/7 68/23
                                     objections [3] 3/10 33/3 33/8               56/18 65/25 66/6
Mr. Jay's [2] 47/3 64/10                                                        outline [1] 14/23
Mr. Mike [1] 43/12                   objectives [1] 68/5
                                     objects [1] 54/9                           outlined [3] 11/7 11/13 14/10
Mr. Phillips [18] 3/25 8/9 15/16                                                outside [1] 50/18
 19/19 24/18 25/7 26/4 26/15 26/24   obligation [3] 36/4 36/13 63/21
                                     observed [1] 65/21                         overarching [1] 28/3
 27/24 30/7 32/15 36/15 37/17 42/25                                             overrule [1] 31/21
 44/19 45/16 57/7                    obstruct [1] 35/6
                                     obstructed [1] 35/5                        overruling [1] 33/2
Mr. Sargent [2] 4/23 36/15                                                      owe [1] 66/15
Ms. [2] 25/9 25/25                   obstruction [1] 49/6
                                     obstructive [1] 35/8                       own [10] 14/15 26/6 28/20 39/4 48/5
Ms. Schuessler [2] 25/9 25/25                                                    54/14 54/19 54/20 59/9 60/13
much [12] 5/3 23/7 32/14 40/3 40/4   obtain [2] 7/13 35/2
                                     Obviously [1] 39/10                        Oxy [1] 53/5
 44/18 45/1 45/12 45/17 49/24 51/21
 52/12                               occasion [1] 22/18                         P
multiple [1] 32/13                   occurred [1] 32/14
multiples [1] 67/19                  ocean [1] 51/5                             page [9] 5/21 7/18 13/17 14/10 14/17
must [4] 21/11 61/19 63/15 70/3      off [5] 47/18 51/3 51/13 52/20 54/1         14/23 21/7 22/7 23/11
mutual [1] 55/10                     offense [33] 2/21 2/24 3/15 3/19 4/9 paid [5] 61/14 61/19 61/19 61/23
my [54] 5/21 8/22 9/1 12/4 13/17      25/10 31/23 33/13 33/19 33/20 33/21        61/25
 14/10 14/17 14/23 15/15 15/16 15/16  33/23 34/2 34/4 34/7 34/13 34/13          pain [1] 55/19
 15/17 16/13 16/21 20/8 20/14 20/23   34/16 34/21 35/4 35/8 35/9 35/10          painkiller [1] 53/5
 21/7 22/7 23/17 32/4 33/9 38/24 39/4 35/14 35/18 35/23 36/10 61/10 64/9        pandemic [6] 39/23 40/1 40/10 41/4
 41/23 42/12 47/1 48/19 52/4 53/7     64/12 65/2 67/8 67/13                      48/8 50/3
 54/18 58/14 58/15 58/15 58/21 58/21 offenses [1] 64/12                         paper [1] 42/8
                                                                                papers [1] 63/10
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23       Page 81 of 85
                                                                                                             81
P                                      69/9 69/17 69/22 69/22               27/17 67/2
                                      plead [1] 52/25                      proven [1] 32/2
paperwork [2] 38/13 40/5              pleaded [3] 7/6 14/14 37/22          proverbial [1] 60/11
paragraph [14] 3/18 7/10 12/7 22/8    please [4] 2/2 2/5 6/10 30/15        provide [2] 68/1 70/11
 26/25 31/22 33/10 33/16 34/5 34/11   pled [1] 65/6                        provided [3] 3/4 3/15 17/2
 34/20 35/3 35/16 35/24               plus [4] 15/9 33/20 39/18 62/1       proving [1] 31/14
paragraphs [1] 36/1                   point [14] 15/24 15/24 16/13 21/7    PSR [14] 5/23 7/10 12/7 12/20 31/22
parent [2] 47/20 48/2                  25/3 25/6 25/23 27/6 45/15 46/4 49/6 33/7 33/11 33/16 34/5 34/11 34/20
parents [3] 47/16 47/17 65/10          49/8 52/15 53/7                      35/3 35/16 57/12
part [17] 11/10 12/23 17/3 17/18      points [11] 35/25 43/22 44/3 44/5    public [1] 67/10
 22/13 24/7 27/18 32/20 36/18 36/21    44/8 44/12 47/8 47/10 49/2 49/6     punish [2] 40/22 41/1
 40/18 44/21 48/4 54/18 55/8 64/11     52/11                               punishment [1] 68/3
 69/21                                Ponzi [39] 4/16 4/25 5/8 5/16 7/6    puppeteer [1] 32/16
partial [1] 36/17                      9/7 11/24 12/23 14/8 14/12 14/22    purpose [1] 13/8
partially [1] 36/14                    15/4 17/15 17/20 22/12 22/13 26/1   purposes [8] 9/7 9/12 12/10 13/1
participant [18] 10/18 11/11 11/23     26/19 29/7 29/13 30/16 30/19 31/6    27/4 27/12 28/13 31/2
 12/2 12/12 13/10 13/22 14/18 15/4     31/11 36/18 39/11 41/5 41/24 43/18  pursuant [4] 34/11 34/20 35/3 62/5
 15/14 16/25 17/4 17/4 21/12 22/2      44/22 44/23 44/25 45/3 45/13 61/15  put [7] 16/11 41/23 42/11 45/16
 23/18 26/22 27/4                      61/17 64/11 68/17 68/22              51/17 51/23 64/21
participants [28] 4/7 4/14 7/9 9/3    poor [1] 47/9                        putting [1] 42/20
 10/20 11/6 16/6 17/24 18/2 18/5 18/9 poorly [1] 53/13
 18/12 18/21 21/5 22/23 22/25 23/4    Porter [1] 14/7                      Q
 26/24 27/9 27/12 27/20 27/20 28/2    portion [2] 61/23 66/11
 28/9 28/11 31/3 31/11 31/13                                               quarter [1] 61/23
                                      position [7] 5/11 15/6 16/9 16/14    question [4] 10/16 15/15 28/4 65/12
participate [3] 7/16 32/19 63/22       16/16 16/22 60/10
participated [3] 22/21 30/14 41/19                                         questions [2] 70/10 70/13
                                      positions [3] 32/5 49/20 49/21       quite [1] 55/11
participating [2] 39/11 41/7          possess [3] 62/23 64/1 64/2
particularly [1] 69/19                                                     quote [10] 7/10 7/14 9/10 11/10 13/9
                                      PPP [26] 4/17 5/1 5/8 7/13 14/15      13/18 22/10 23/5 23/14 56/19
parties [4] 2/5 34/9 35/21 37/12       14/20 26/21 28/20 29/3 29/7 29/8
party [1] 11/9                         30/16 30/18 35/2 36/21 38/7 38/9    R
pass [1] 4/24                          39/19 43/17 44/17 44/21 44/23 45/11 rails [1] 47/18
passes [1] 50/9                        45/18 61/15 64/20
past [3] 8/21 59/25 60/12                                                  raised [1] 51/18
                                      PPP loan [10] 5/1 5/8 7/13 14/15     ramifications [1] 51/7
patience [1] 59/22                     14/20 30/18 35/2 38/9 61/15 64/20
patiently [1] 59/2                                                         ran [1] 42/15
                                      preparation [1] 24/3                 range [8] 36/3 36/11 36/12 38/21
Patrick [1] 14/24                     prepare [1] 70/8
Pause [1] 6/19                                                              38/24 46/15 52/21 67/12
                                      prepared [2] 3/3 47/21               rare [1] 32/9
pay [12] 36/2 45/19 45/21 61/4 62/3 prepares [1] 38/13
 62/8 64/3 64/4 65/2 65/15 67/1 70/5 preparing [2] 19/6 42/12              rarely [1] 32/9
payback [1] 49/10                                                          rate [1] 62/1
                                      preponderance [1] 32/2               rather [1] 24/7
payment [6] 30/20 30/21 30/21 61/19 prescription [1] 64/2
 68/12 70/6                                                                ratio [1] 56/22
                                      present [4] 2/9 55/11 57/23 70/1     rationally [1] 52/8
payments [5] 14/21 30/18 45/3 45/9    presented [1] 62/5
 63/20                                                                     RDAP [2] 62/17 70/25
                                      presentence [3] 3/3 3/4 3/7          read [8] 3/7 8/18 25/25 28/8 39/4
payoffs [1] 45/5                      pretended [1] 12/25
payroll [1] 40/7                                                            50/15 51/14 55/1
                                      pretenses [2] 7/5 13/1               ready [4] 42/13 42/14 42/22 65/13
peaceful [1] 58/23                    pretrial [1] 35/12
penalty [2] 36/6 49/10                                                     real [4] 46/3 47/1 47/2 64/17
                                      previously [1] 43/14                 realize [3] 25/8 54/13 56/7
Pennsylvania [3] 50/18 55/8 60/5      price [1] 65/3
people [93]                                                                realized [1] 44/8
                                      principles [1] 59/13                 realizes [1] 54/14
per [2] 61/22 62/2                    prior [2] 43/13 50/6
percent [2] 61/22 62/2                                                     Realizing [1] 60/9
                                      prison [6] 20/5 41/10 43/14 52/12    really [16] 12/12 12/23 20/22 25/25
perhaps [1] 28/17                      61/20 66/1
period [1] 61/21                                                            26/17 44/20 46/17 47/2 50/5 51/11
                                      Prisons [5] 61/1 62/14 62/18 70/21    52/11 52/11 52/12 52/13 52/14 52/14
periodic [1] 63/1                      70/23
permit [1] 63/13                                                           Realtime [1] 72/5
                                      probable [1] 11/22                   reason [7] 4/22 16/21 28/8 39/8
perpetrate [2] 10/8 19/6              probably [3] 43/25 45/1 48/4
perpetrated [1] 64/15                                                       41/11 53/14 54/23
                                      probation [11] 2/14 3/2 27/3 30/3    reasonable [12] 28/14 28/23 29/19
perseverance [1] 59/22                 37/4 62/15 63/4 63/8 63/17 63/19
person [18] 7/1 12/6 13/13 15/8                                             37/13 47/3 52/19 57/2 57/3 57/5 63/7
                                       64/5                                 64/7 69/4
 15/13 17/7 19/5 21/6 21/24 21/25     problem [3] 10/4 19/24 19/25
 27/17 37/20 49/5 53/19 55/9 55/13                                         reasonably [1] 30/1
                                      Procedure [1] 3/2                    reasons [7] 4/4 11/13 23/1 41/22
 62/14 63/10                          proceed [1] 65/14
personal [1] 57/11                                                          41/22 42/23 46/25
                                      proceeding [2] 65/22 66/13           rebellion [1] 59/1
personally [1] 59/23                  proceedings [6] 69/8 69/16 71/12
persons [2] 3/24 23/15                                                     recall [3] 12/18 13/11 42/1
                                       72/11 72/15 72/19                   receive [1] 21/17
pertain [1] 10/22                     proceeds [1] 14/20
Phillips [20] 1/17 2/8 3/25 8/9                                            received [1] 14/19
                                      profession [1] 58/21                 receives [1] 35/17
 15/16 19/19 24/18 25/7 26/4 26/15    program [5] 62/17 63/23 63/24 64/3
 26/24 27/24 30/7 32/15 36/15 37/17                                        recess [1] 71/10
                                       70/25                               recognition [1] 54/20
 42/25 44/19 45/16 57/7               prohibited [1] 63/25
phone [1] 56/3                                                             recognize [3] 44/8 47/15 69/12
                                      promoter [1] 51/13                   recognizing [1] 54/2
phony [2] 7/12 40/5                   pronounced [2] 68/9 68/25
Photoshop [1] 14/2                                                         recommend [4] 4/24 62/16 70/20 70/24
                                      pronouncement [1] 57/21              recommendation [1] 70/22
phrase [1] 23/5                       proof [2] 27/19 28/2
piece [1] 28/19                                                            record [8] 2/6 3/9 43/19 46/13 50/7
                                      proper [1] 3/14                       55/6 60/23 72/19
pills [2] 55/19 55/21                 properly [1] 40/11
Pittsburgh [1] 50/18                                                       records [1] 45/9
                                      property [1] 63/10                   recover [1] 51/24
place [3] 54/6 56/8 56/9              prosecuted [1] 28/20
placed [2] 62/11 62/17                                                     recruit [1] 9/14
                                      prosecution [1] 35/7                 recruited [14] 7/10 7/23 9/1 10/6
Plaintiff [2] 1/5 1/17                protect [1] 67/10
play [2] 43/23 44/1                                                         12/8 14/22 16/8 17/5 17/14 17/18
                                      protecting [1] 60/11                  27/1 32/18 34/24 34/25
played [3] 4/8 4/12 5/21              prove [12] 6/25 10/22 10/23 12/4
plea [9] 2/20 35/20 53/2 53/6 69/7                                         recruitees [1] 10/1
                                       15/13 16/24 26/23 27/13 27/13 27/14
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23        Page 82 of 85
                                                                                                              82
R                                     49/5 50/2 50/24 51/16 51/18 52/14     Sections [1] 2/23
                                      54/5 54/13 57/16 58/1 58/2 58/3       see [7] 6/5 20/14 44/10 53/23 54/11
recruiting [6] 5/14 7/3 7/16 7/23     60/16 60/22 68/23 69/18 70/20 71/9     65/21 65/22
 9/5 9/20                            right-hand [1] 14/1                    seek [1] 59/6
recruitment [7] 8/2 8/10 8/16 8/18   rights [3] 69/21 69/24 70/11           seemed [2] 45/8 55/16
 15/12 15/23 17/7                    risks [1] 51/6                         seems [1] 29/20
recruits [5] 15/7 15/8 16/17 16/18   Riveras [1] 21/8                       seen [1] 64/13
 38/12                               road [2] 48/22 56/11                   semantics [1] 45/1
rectify [1] 59/23                    Robert [1] 53/20                       send [4] 14/24 38/11 40/20 41/6
reduced [1] 72/16                    Robert A [1] 53/20                     sends [3] 29/22 40/25 41/13
reduction [4] 17/12 44/1 44/4 52/22 rock [2] 45/24 51/23                    sent [2] 22/9 40/9
refer [1] 4/19                       rodeo [6] 43/11 44/13 44/14 44/14      sentence [52] 20/5 28/13 36/9 37/13
referring [1] 57/17                   47/15 48/19                            38/16 38/20 38/23 38/25 39/9 40/20
reflect [1] 67/8                     rodeos [1] 48/20                        40/24 41/3 41/10 41/17 41/18 41/20
Reform [1] 60/24                     role [30] 3/15 4/8 4/10 4/11 4/12       41/25 42/24 44/16 46/16 46/24 52/19
refrain [1] 62/24                     4/25 5/6 6/24 7/17 8/3 10/1 10/22      56/12 56/14 56/15 56/16 56/17 56/22
refund [1] 30/16                      11/2 11/3 16/11 17/22 17/25 18/4       57/5 57/21 60/8 61/3 64/7 67/7 67/12
regarding [2] 37/13 70/10             18/15 18/17 19/7 21/3 21/10 21/10      67/14 67/16 67/16 67/17 67/18 67/19
regret [2] 26/14 54/15                21/17 23/2 25/21 26/3 26/11 35/22      67/21 67/24 68/3 68/9 68/25 69/2
regularly [1] 32/21                  roles [2] 5/20 24/4                     69/4 69/19 69/20 69/24 70/22
regulated [2] 14/4 14/4              romance [1] 12/23                      sentenced [8] 14/16 37/21 37/25 38/1
regulations [1] 63/24                room [2] 47/18 49/21                    46/7 65/3 65/4 65/7
rehabilitation [1] 56/10             rot [1] 13/14                          sentences [1] 67/11
related [3] 34/19 35/8 35/9          route [1] 4/1                          sentencing [21] 1/12 2/19 5/20 5/21
relational [1] 52/11                 RPR [1] 72/24                           5/24 6/15 9/10 11/7 12/18 22/7 23/6
relatively [1] 66/6                  rule [2] 3/1 58/17                      23/23 35/7 36/5 37/15 41/23 44/6
release [8] 37/5 61/24 62/10 62/11   Rule 32 [1] 3/1                         56/20 60/24 64/10 67/12
 62/13 62/19 62/21 63/6              rules [2] 3/1 63/23                    separate [4] 4/20 5/14 45/22 57/18
released [1] 62/16                   ruling [1] 32/4                        separates [1] 11/2
relevant [9] 19/15 28/10 28/11 28/13 run [3] 44/23 49/16 62/12              serious [7] 39/10 40/19 40/19 40/25
 28/25 30/9 30/11 30/16 30/25        running [3] 14/11 22/14 42/22           64/12 65/2 65/3
relief [1] 59/13                     rural [1] 60/4                         seriously [3] 40/21 40/22 41/6
rely [1] 58/4                        Russell [2] 1/17 2/7                   seriousness [1] 67/8
remaining [1] 36/24                                                         serve [2] 66/5 70/23
remarks [1] 57/10                    S                                      served [1] 61/3
remember [2] 30/15 42/3                                                     service [1] 70/22
reminded [1] 57/10                   S.W [1] 1/23
                                     sad [1] 54/12                          set [9] 33/16 34/5 34/11 34/20 35/3
repay [1] 59/20                                                              36/1 51/9 51/16 67/13
repeatedly [3] 25/9 26/7 26/8        said [31] 7/7 7/15 11/9 13/5 13/8
                                      13/13 16/1 17/2 17/15 19/17 21/9      seven [2] 39/15 39/18
report [3] 3/4 3/7 62/14                                                    several [9] 4/3 27/7 27/7 36/14
reported [1] 72/10                    22/10 22/14 23/12 26/4 26/24 27/3
                                      28/6 32/24 38/4 38/21 40/6 40/9        61/16 68/12 68/13 68/15 68/16
Reporter [5] 1/21 1/22 72/5 72/6                                            severally [1] 61/14
 72/25                                41/14 44/22 46/25 64/10 67/8 70/14
                                      70/24 72/15                           severe [2] 20/4 67/18
REPORTER'S [1] 72/2                                                         shaking [3] 19/16 53/3 53/5
represent [1] 53/17                  same [16] 2/23 13/13 17/12 17/19
representing [1] 53/18                17/20 26/10 29/17 33/12 33/15 44/21 shall [8] 33/12 61/5 62/10 62/14
                                      49/18 55/18 56/16 61/10 61/12 61/12    62/20 63/11 63/17 64/3
represents [1] 38/14
request [3] 63/17 69/10 70/16        Sargent [50] 4/23 4/23 4/23 5/5 5/13 shaping [1] 60/11
                                      6/22 7/2 11/20 12/16 12/22 13/4       share [3] 38/3 46/3 58/21
requested [1] 69/3                                                          shark [2] 45/19 45/20
requesting [2] 46/14 46/14            13/12 16/2 17/11 17/16 18/8 21/4
                                      21/14 22/9 22/12 26/2 26/5 26/11      she [25] 12/20 12/21 12/22 13/24
requests [1] 70/24                                                           13/25 13/25 14/1 14/2 14/5 14/5 14/8
required [2] 10/22 10/23              29/4 30/4 30/21 31/9 36/15 37/22
                                      37/25 38/6 38/7 38/15 38/18 41/19      14/9 14/10 14/12 14/14 14/16 14/18
rerelease [1] 62/25                                                          21/24 22/1 29/15 29/15 38/13 38/14
resentence [1] 8/12                   43/12 43/13 43/17 44/13 44/16 46/10
                                      46/12 46/23 56/16 61/16 64/16 67/22    38/14 42/1
residence [1] 63/10                                                         Shipp [1] 2/10
resolve [1] 4/5                       68/17 68/20 68/21
respect [27] 4/23 4/25 5/2 7/2 9/2   Sargent's [5] 12/18 13/6 13/21 16/1 shocked [1] 40/4
                                      46/12                                 shocking [1] 13/12
 9/2 10/23 18/8 20/25 21/14 22/3                                            shoot [1] 46/20
 25/15 26/6 27/22 35/7 36/17 43/2    Sargents [1] 29/6
                                                                            short [1] 56/15
 48/25 55/25 61/17 62/19 64/11 65/10 satisfaction [1] 12/5                  should [24] 3/15 3/25 8/14 10/12
 68/15 68/16 68/17 68/21             say [23] 10/10 11/16 11/25 15/8
                                      16/24 17/12 24/19 25/12 25/20 25/22    11/1 11/16 15/19 21/16 21/18 23/1
respectfully [3] 5/10 16/22 46/13                                            23/4 23/14 25/16 29/23 30/13 31/8
response [1] 57/8                     26/16 28/7 28/16 29/9 29/10 32/4
                                                                             32/2 38/1 38/10 41/8 46/17 46/18
responsibility [3] 35/18 42/11 42/20 44/18 48/15 56/20 57/9 66/7 68/11       46/18 49/14
responsible [25] 7/1 7/9 10/17 10/24 68/15                                  show [9] 17/23 17/24 18/3 18/23
 11/1 11/8 11/11 11/15 11/18 11/21   saying [8] 8/25 16/14 24/9 24/11
                                      24/18 27/8 27/19 66/20                 42/15 48/20 49/4 49/11 52/13
 11/23 12/2 12/6 12/11 13/10 13/22
 14/18 15/4 16/25 17/24 18/5 22/1    says [8] 22/18 31/5 38/11 40/25 41/1 showing [3] 27/18 27/23 48/15
                                      46/2 53/6 55/7                        shows [4] 17/7 34/16 41/18 41/19
 22/25 31/11 31/13                                                          sic [1] 47/10
rest [2] 66/10 66/20                 scheduled [1] 35/12
                                     scheme [73]                            side [2] 29/3 29/14
restitution [11] 36/4 36/13 61/8                                            significant [4] 48/21 55/16 64/18
 61/14 61/18 61/18 61/23 63/2 63/21  schemes [5] 4/20 23/22 24/13 38/6
                                      41/5                                   66/5
 68/1 68/12                                                                 significantly [1] 43/19
result [2] 23/9 63/14                School [1] 2/11
                                     Schuessler [3] 2/13 25/9 25/25         similar [7] 8/8 24/20 32/6 32/7 41/3
resulted [2] 34/13 39/16                                                     55/8 60/1
results [1] 35/18                    scope [7] 23/14 24/14 28/14 28/15
                                      28/24 29/18 29/25                     simply [1] 10/15
return [1] 59/21                                                            since [4] 32/12 54/25 55/7 64/13
returned [1] 60/5                    screen [2] 65/21 65/23
                                     search [4]  60/4  63/9 63/11  63/14    single [2] 8/10 33/13
reviewed [1] 37/14                                                          singular [1] 25/9
reviewing [1] 60/23                  seated [1]  2/2
                                     second [3]  2/20  9/22 25/21           sir [1] 71/1
revocation [1] 63/12                                                        sister [1] 50/23
right [35] 3/13 3/17 6/9 6/17 14/1   section [19]   2/25 3/19  31/24 32/3
                                      33/11 33/18  33/18 33/19  33/23 33/24 sites [1] 7/4
 19/24 20/3 25/9 27/24 30/3 30/6                                            sitting [2] 65/14 65/23
 30/11 31/18 33/6 37/12 46/24 49/2    33/24 34/1  34/2 34/6 34/12  34/21
                                      35/4 37/23 68/6                       situation [3] 24/1 32/14 50/4
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23        Page 83 of 85
                                                                                                              83
S                                    submarine [1] 51/5                     testimony [1] 42/3
                                     submit [13] 44/17 46/23 49/23 52/2     testing [1] 63/24
situations [1] 32/13                  56/12 56/23 59/2 62/25 63/11 63/16    tests [2] 31/8 63/1
six [3] 31/12 42/16 59/25             63/24 69/3 71/4                       Texas [4] 12/15 14/6 39/12 43/15
skeptical [1] 53/24                  substance [5] 62/23 62/24 63/23        text [4] 13/12 22/8 38/9 42/7
slap [1] 27/19                        63/24 63/25                           than [32] 5/5 5/8 9/16 10/22 18/23
small [2] 39/20 39/25                substances [1] 64/1                     19/5 30/5 34/8 34/8 38/5 38/15 39/15
smush [1] 25/12                      substantial [3] 34/13 36/3 40/17        39/17 40/6 40/8 41/12 43/3 43/4 43/5
society [2] 51/25 59/21              substantially [1] 33/12                 43/19 45/2 45/2 45/13 46/11 49/24
solace [1] 59/8                      substantive [2] 33/20 33/23             50/23 53/23 60/9 64/8 66/8 67/21
solid [1] 47/1                       substantively [1] 69/2                  68/5
some [30] 11/10 15/17 17/1 17/3 23/8 success [1] 54/8                       Thank [16] 24/23 24/24 31/17 31/18
 23/11 24/2 24/3 24/8 25/20 26/14    successful [1] 59/20                    37/18 42/25 56/5 57/6 58/1 60/16
 27/18 28/1 32/23 32/23 45/3 49/9    such [6] 33/21 47/5 51/23 63/11         60/22 68/18 68/19 69/5 71/1 71/6
 50/1 53/10 55/8 55/17 55/24 56/20    63/14 69/25                           thanks [1] 42/18
 64/10 64/17 66/9 66/23 66/25 69/8   sued [1] 19/1                          that [403]
 69/15                               sufficient [3] 3/22 7/17 68/4          that's [68] 4/19 5/11 5/13 6/4 7/6
somebody [11] 12/1 16/24 22/14 50/25 superseding [1] 2/21                    7/13 8/3 8/22 9/1 10/18 11/2 13/17
 51/4 51/12 51/15 53/11 54/4 54/4    supervise [3] 5/16 18/6 18/7            15/14 16/10 16/20 16/20 17/21 18/1
 56/23                               supervised [21] 5/18 6/25 9/14 10/7     18/18 19/19 19/24 19/25 19/25 20/14
somebody's [2] 42/5 45/24             17/25 18/4 18/16 18/22 18/23 21/25     21/1 21/15 22/21 23/5 23/6 24/16
somehow [4] 27/16 46/11 69/7 70/1     22/4 22/22 26/5 26/6 26/7 26/20 37/5 25/14 25/15 25/15 25/24 27/21 28/25
someone [1] 65/25                     62/11 62/19 62/20 63/6                 30/19 31/12 32/11 33/2 33/5 36/22
something [11] 7/23 20/15 20/18      supervised/managed [1] 22/22            38/25 39/7 39/8 40/13 42/9 43/19
 22/15 25/7 44/9 44/9 46/9 51/24     supervising [11] 5/13 6/22 9/22 19/5 44/17 44/17 45/24 46/7 47/1 47/1
 52/22 64/21                          21/6 22/18 22/24 24/6 25/18 25/18      47/2 47/14 49/22 52/21 54/1 54/18
sometimes [3] 48/24 51/6 65/18        25/19                                  57/16 57/18 58/21 61/23 62/4 65/2
somewhat [1] 67/21                   supervision [6] 18/8 24/15 35/13        66/3 71/6
somewhere [2] 38/1 46/21              37/2 61/25 63/9                       theft [2] 45/2 45/12
son [1] 60/15                        supervisor [7] 3/21 3/23 4/12 5/5      their [9] 32/20 40/3 40/16 42/7
sorry [2] 34/25 39/2                  17/8 26/2 31/25                        47/16 48/8 54/5 59/10 67/3
sort [5] 24/1 26/15 26/16 28/3 43/7 supervisory [2] 4/8 25/21               them [38] 7/5 7/5 7/12 9/5 9/6 9/14
sought [1] 59/8                      support [4] 7/12 39/24 66/2 66/4        9/15 9/15 10/7 13/16 14/3 17/3 17/14
soul [1] 60/13                       supported [1] 32/25                     17/17 17/18 18/6 18/7 18/10 23/10
sounded [1] 55/19                    supporting [1] 66/13                    23/24 25/12 27/18 27/21 27/25 28/1
special [4] 2/12 36/23 61/5 63/5     supportive [2] 37/15 67/2               28/23 28/24 29/8 40/22 43/24 44/6
specific [1] 67/9                    supports [1] 33/1                       44/7 44/16 48/14 58/17 59/19 66/2
spend [2] 25/2 66/20                 supposed [2] 49/4 52/25                 66/16
spent [2] 21/22 42/12                sure [12] 20/12 21/20 24/25 28/16      themselves [2] 2/6 48/15
split [3] 39/5 39/6 46/21             38/16 42/14 43/18 50/10 50/11 55/4    then [20] 10/1 10/7 11/20 14/19 15/2
spoke [2] 12/19 42/1                  56/21 58/9                             18/2 26/21 32/17 38/12 42/15 42/18
sports [1] 54/8                      suspicion [1] 63/7                      42/22 43/14 43/15 46/20 47/17 47/17
square [2] 58/16 60/8                swear [2] 6/4 40/12                     57/23 64/20 68/16
Staeva [1] 2/12                      sweating [2] 53/3 53/5                 theory [1] 70/2
stand [3] 20/17 49/25 60/7           sympathy [1] 48/7                      there [79]
standard [1] 62/20                   system [1] 52/8                        there's [5] 36/9 36/13 39/5 41/5
standards [1] 8/7                                                            69/8
standing [1] 8/2                     T                                      thereafter [1] 63/1
stands [1] 71/10                                                            these [26] 5/21 7/4 14/22 17/14
standup [1] 50/21                    table [1] 52/10
                                                                             25/12 25/13 27/24 28/15 28/17 28/22
start [5] 26/21 28/9 43/7 44/15 50/5 take [6] 25/12 25/13 40/21 41/6         31/1 39/10 40/11 40/21 42/23 44/20
starts [1] 29/21                      47/15 51/6
                                     taken [2] 26/15 32/5                    45/5 47/9 49/18 52/9 52/10 59/15
state [3] 39/13 43/15 62/22                                                  59/20 61/10 64/17 66/12
stated [4] 33/10 35/24 37/7 63/3     takes [2] 40/22 54/12
statement [2] 58/3 58/6              taking [8] 7/4 7/5 13/20 16/9 39/21 they [67] 10/2 10/7 10/11 10/17
                                      43/5 47/25 50/8                        11/11 11/16 11/22 12/1 12/10 12/11
states [22] 1/1 1/13 1/22 2/3 2/8                                            13/16 14/11 16/4 16/5 17/2 22/5
 2/23 2/25 3/2 9/17 24/12 32/5 33/17 talk [10] 5/22 14/16 15/14 17/10        22/14 23/24 23/25 26/8 26/8 26/11
 34/1 37/6 39/12 39/18 39/20 39/24    20/17 22/8 24/24 30/11 47/12 64/6
                                     talked [10] 12/20 13/15 28/16 30/9      26/12 26/23 26/25 27/8 27/9 27/13
 40/21 61/5 61/9 72/6                                                        27/13 27/14 27/16 27/19 27/23 28/1
statutory [5] 34/3 36/5 37/25 38/17   30/21 35/22 46/4 49/19 52/4 54/3
                                     talking [17] 4/13 4/16 4/18 13/3        28/2 28/19 28/24 29/6 29/6 29/7 29/8
 69/18                                                                       30/12 31/13 40/2 40/3 40/4 40/4 40/5
stay [1] 58/8                         13/13 16/15 20/5 21/22 22/13 26/21
                                      30/12 32/7 32/7 32/15 49/3 57/13       40/5 40/8 40/14 41/24 42/7 42/8
Stayed [1] 55/11                                                             43/24 44/7 44/8 47/17 47/23 49/14
steal [2] 22/19 40/3                  68/11
                                     talks [2] 14/11 51/15                   52/8 56/20 58/18 63/9 66/1 70/8
stealing [1] 39/21                                                           70/21
steel [1] 50/19                      tall [1] 50/24
                                     tapped [1] 50/19                       they're [1] 16/25
Stenograph [1] 72/10                                                        thing [8] 10/18 46/2 48/3 52/23 55/1
Stephanie [1] 2/13                   tarnishing [1] 58/22
                                     tax [1] 10/7                            58/12 65/20 65/20
steroids [1] 53/4                                                           things [14] 8/6 17/10 27/1 29/21
still [5] 3/13 56/15 57/1 59/10 66/7 taxpayers [2] 39/24 40/18               31/1 43/25 44/7 46/9 49/13 49/18
stole [2] 40/17 47/9                 Ted [1] 1/23
                                     tell [6] 5/9 7/21 8/1 19/17 32/12       54/8 54/10 54/13 54/14
stood [1] 8/2                                                               think [50] 3/25 5/13 8/17 15/11
stop [1] 17/4                         66/18
                                     telling [4] 5/2 15/21 16/8 48/24        15/25 16/1 25/25 26/17 29/11 29/25
stopped [2] 16/3 16/4                                                        33/1 36/17 37/19 38/1 38/20 38/25
story [5] 22/11 22/15 22/16 22/19    tells [2] 14/23 38/10
                                     temperance [1] 58/20                    39/8 40/24 41/10 41/13 41/16 41/25
 48/1                                                                        44/19 45/3 45/13 46/3 46/9 46/10
straight [1] 46/20                   ten [7] 7/8 10/20 11/8 18/21 34/14
                                      56/24 56/24                            47/18 49/1 49/20 49/23 50/17 52/2
stream [1] 29/15                                                             52/3 52/21 53/8 53/21 54/1 54/1 56/6
streets [1] 49/16                    Tennessee   [1]   28/21
                                     term  [7]   14/2  23/8  34/3 36/6 37/4  56/7 57/1 57/2 57/3 57/4 65/16 67/16
strived [1] 58/22                                                            67/24 69/20
struggled [1] 46/17                   61/2  62/11
                                     terms  [10]   5/6  19/19  24/14 25/10  thinking [5] 29/5 41/7 46/21 53/3
strung [2] 47/17 48/13                                                       53/13
student [1] 2/10                      44/25 45/11 52/10 56/10 56/14 67/16
                                     terribly  [1]   52/6                   third [1] 25/19
stuff [2] 22/19 48/13                                                       this [138]
                                     test [4] 28/12 28/25 29/11 62/25
Case 1:20-cr-00228-MHC-JKL              Document 321          Filed 07/10/23        Page 84 of 85
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T                                      16/12 19/7 19/22 21/17 25/11 25/17   virtue [1] 58/17
                                       25/18 25/19 25/21 26/4 26/13 26/15   vision [1] 54/8
those [42] 7/20 9/1 9/2 9/11 10/4      30/4 31/23 32/11 32/13 32/17 32/21   visions [1] 51/1
 10/6 10/10 12/3 12/9 16/3 16/4 18/1   33/1 34/12 34/21 34/24 35/4 35/17    voluntarily [1] 64/25
 18/4 18/16 18/22 19/11 22/15 22/24    37/5 38/2 44/4 49/6 53/18 53/23 63/1 vow [1] 59/22
 23/1 23/11 24/6 26/9 28/19 29/23     two-level [17] 3/18 4/10 4/11 6/23    vs [2] 1/6 2/3
 31/8 32/19 32/22 38/2 39/17 41/22     7/24 8/3 10/5 10/11 11/3 19/7 19/22
 42/2 46/9 47/16 48/11 48/13 52/16     21/17 31/23 32/21 33/1 35/17 44/4    W
 54/10 56/13 57/8 64/17 69/21 70/7    type [2] 41/7 55/17
though [2] 54/22 54/23                                                      wages [1] 61/20
                                      typewritten [1] 72/16                 waive [2] 62/9 69/21
thought [7] 32/25 46/17 50/16 51/11 Tyriece [3] 14/19 29/18 30/22
 53/1 54/10 68/10                                                           waived [2] 69/16 69/23
threaten [2] 64/24 64/24                                                    waiver [1] 70/1
                                      U                                     waivers [1] 69/25
three [30] 4/3 6/8 6/24 7/17 8/11
 8/19 9/19 9/22 10/12 11/2 16/12      U.S.C [1] 37/24                       walk [1] 53/2
 17/11 22/21 23/2 24/5 25/17 25/23    ultimate [1] 32/16                    want [6] 14/24 18/15 30/9 30/15 41/6
 26/4 26/17 29/23 31/15 32/3 32/9     unable [1] 70/5                        52/5
 32/10 32/17 47/8 49/2 49/8 58/13     under [16] 6/2 7/5 13/1 21/10 27/5    wanted [9] 26/10 50/24 51/1 51/2
 60/12                                 32/3 33/11 33/19 33/23 34/2 37/23     51/4 54/3 54/4 54/9 57/9
three-count [1] 25/17                  39/9 51/22 54/4 69/19 70/7           wanting [1] 54/3
three-level [12] 4/3 6/24 7/17 8/11 understand [5] 20/7 20/16 20/23 29/9 wants [4] 41/16 52/1 66/21 67/5
 10/12 11/2 17/11 23/2 31/15 32/3      49/9                                 warned [1] 41/8
 32/9 32/10                           understanding [1] 14/11               was [136]
three-point [2] 25/23 49/8            understood [1] 57/14                  Washington [1] 39/13
thriving [1] 50/19                    undertakings [1] 58/15                wasn't [5] 28/22 43/17 44/17 45/4
through [20] 7/4 39/16 41/2 45/2      undisputed [1] 9/18                    57/17
 47/19 47/23 48/4 48/7 50/3 50/8 55/9 unenforceable [1] 70/1                watching [1] 66/13
 55/10 55/18 55/21 55/23 57/12 59/25 UNITED [20] 1/1 1/13 1/22 2/3 2/8      way [9] 4/19 17/1 17/7 17/9 17/9
 60/1 60/12 65/10                      2/22 2/25 3/2 9/17 24/12 32/5 33/17   25/16 32/11 52/6 52/14
throughout [2] 53/10 67/3              33/25 37/6 39/20 39/24 40/21 61/4    ways [1] 26/14
throw [2] 27/10 56/19                  61/8 72/6                            we [116]
time [19] 8/10 8/19 21/22 25/2 40/11 unlawful [1] 69/7                      we're [13] 4/13 13/13 13/14 20/5
 42/13 48/2 49/12 49/12 52/12 53/1    unlawfully [2] 62/23 62/24             25/22 27/20 39/7 40/13 41/1 42/23
 53/4 55/12 57/13 59/22 61/24 66/5    unless [1] 64/4                        53/24 53/24 56/20
 66/9 67/3                            unreasonable [1] 69/2                 we've [1] 53/25
times [4] 8/1 15/23 26/4 65/22        unremitting [1] 59/16                 weeks [2] 6/8 7/22
tiny [1] 50/22                        until [4] 40/15 42/16 55/9 55/11      weigh [1] 43/8
today [4] 25/8 26/4 27/8 35/23        unto [2] 58/17 58/18                  weighed [1] 69/9
today's [1] 70/14                     up [27] 6/14 19/25 20/6 20/17 21/21 weighing [1] 44/15
together [6] 18/10 25/12 25/23 31/1    24/16 28/21 36/6 36/7 40/8 42/15     well [31] 4/22 5/4 6/4 7/21 8/23
 33/13 49/15                           43/18 44/20 48/15 48/20 49/4 49/11    11/21 12/17 15/11 16/9 16/20 19/21
told [5] 13/7 17/14 17/17 30/17 58/5 50/21 51/5 52/6 52/10 54/4 54/6 55/2 20/11 23/15 23/22 25/20 25/22 26/22
too [8] 15/24 26/17 29/25 42/14        55/11 66/9 70/23                      26/24 28/4 29/5 37/15 39/9 44/20
 47/24 48/24 51/21 65/15              upon [8] 48/14 58/16 59/15 59/20       46/17 46/21 47/12 53/9 54/23 54/24
took [4] 12/25 13/4 13/5 48/14         60/10 60/10 62/10 64/14               59/6 68/2
top [2] 16/18 64/20                   upside [1] 42/5                       well-informed [1] 59/6
total [5] 33/14 35/18 36/10 39/16     urged [2] 10/5 19/7                   went [5] 13/3 47/23 48/7 50/2 51/13
 61/3                                 us [3] 26/16 42/11 47/18              were [67] 4/13 7/23 9/22 10/2 10/7
totally [1] 41/14                     USA [2] 1/4 72/12                      10/11 10/11 10/16 10/17 10/20 10/24
tough [2] 8/19 48/22                  use [5] 30/18 52/10 64/1 64/2 65/11    10/24 10/25 11/1 11/5 11/8 12/4
town [4] 50/18 50/18 50/20 60/5       used [6] 13/14 23/6 25/9 35/1 45/19    14/21 16/2 16/4 16/5 17/5 17/15
trail [1] 42/8                         63/25                                 17/23 18/13 21/1 22/14 23/3 24/3
transcript [2] 1/12 72/18             uses [1] 22/15                         24/6 25/16 26/23 27/11 27/20 28/2
travel [1] 59/12                      using [4] 22/11 22/19 33/9 62/24       28/19 29/6 29/6 29/7 30/23 31/2 31/7
traveled [1] 60/3                     usually [1] 32/11                      31/10 31/12 32/17 32/18 38/23 39/5
treated [2] 33/15 55/24               utmost [1] 55/25                       39/22 40/4 40/4 40/23 42/6 42/14
treatment [2] 63/23 64/3                                                     45/3 45/10 45/12 48/13 53/1 54/10
                                      V                                      57/13 65/13 65/14 65/14 65/16 71/12
tremendous [1] 42/21
trial [7] 35/12 42/12 42/13 42/22     valid [1] 64/2                         72/16
 48/21 53/2 65/14                     value [2] 56/22 56/25                 weren't [1] 19/21
trials [1] 48/14                      variance [8] 46/14 46/14 47/5 47/6    west [3] 60/3 60/3 70/19
tried [1] 26/16                        47/7 48/17 52/3 65/16                whack [2] 51/25 52/1
trips [1] 55/23                       variances [1] 48/21                   what [72] 6/2 7/6 8/3 8/14 8/15 8/20
trouble [2] 42/11 42/21               various [1] 52/7                       10/10 10/22 11/2 12/9 13/7 13/15
trucking [4] 13/2 13/9 14/5 40/7      vary [1] 47/6                          15/14 15/17 15/21 16/4 16/5 16/6
true [4] 17/21 55/22 58/23 72/18      Vaughn [4] 14/19 29/18 30/22 30/22     16/7 16/18 16/23 17/14 18/10 19/17
truly [1] 56/4                        Vegas [3] 51/13 55/10 55/23            19/18 20/2 23/8 23/18 24/12 24/18
trust [1] 61/22                       vehicles [1] 63/10                     24/20 25/24 25/25 28/12 28/12 28/19
trusted [1] 59/23                     version [1] 10/21                      30/4 30/13 30/19 32/20 37/13 38/16
truth [3] 40/13 56/19 59/13           very [14] 10/14 12/21 12/21 14/9       39/7 40/14 41/14 41/24 44/19 45/13
truthfully [1] 53/10                   30/8 32/14 40/21 50/16 53/13 55/13    45/17 45/23 45/25 46/7 46/23 47/5
try [2] 20/17 39/24                    55/24 56/3 56/17 69/23                48/7 49/1 49/3 49/22 49/24 50/7
trying [7] 15/19 20/22 25/12 25/24    vet [1] 40/11                          51/20 54/2 54/11 54/11 54/20 56/11
 40/9 43/8 45/24                      victim [4] 12/20 15/1 34/17 34/19      57/16 58/4 66/5 67/1 67/20 67/22
Tubbs [2] 13/24 29/15                 victim-related [1] 34/19              what's [10] 12/22 17/16 24/16 28/11
tune [1] 53/15                        victims [17] 5/15 13/20 34/14 34/15    38/11 42/9 44/15 56/10 58/2 66/1
turn [2] 66/16 66/23                   34/17 39/11 39/12 39/17 42/2 47/9    when [32] 8/7 8/20 19/7 19/22 20/14
turned [3] 42/5 53/16 67/4             61/9 61/10 61/12 62/1 64/14 64/17     24/13 25/25 26/19 26/20 28/9 30/12
Turner [1] 1/23                        68/2                                  32/6 33/13 43/5 43/7 43/9 44/15 45/9
twice [2] 36/7 36/8                   Victor [1] 14/24                       46/10 47/15 47/20 49/4 50/5 50/5
twist [1] 26/16                       view [1] 5/3                           52/18 53/11 56/2 57/12 60/5 64/20
two [51] 3/18 4/10 4/11 6/23 7/20     violated [1] 63/8                      65/25 68/11
 7/23 7/24 8/3 8/12 8/13 9/1 9/2 9/19 violation [4] 2/22 2/25 33/17 33/25 where [27] 5/9 7/22 8/2 9/10 9/18
 9/22 9/25 10/5 10/11 11/3 11/4 11/17 Virginia [1] 70/19                     9/19 9/21 11/15 13/13 14/10 15/20
                                                                             19/3 19/4 21/9 25/17 32/14 39/11
Case 1:20-cr-00228-MHC-JKL              Document 321         Filed 07/10/23   Page 85 of 85
                                                                                              85
W                                     you [207]
                                      you're [16] 5/1 5/7 8/19 15/15 15/17
where... [10] 45/4 48/20 49/2 50/12    16/7 16/9 16/14 24/18 41/9 47/14
 51/16 51/17 56/20 58/8 65/23 70/23    48/23 49/5 49/12 66/10 66/16
whether [16] 4/6 4/13 4/14 6/23       young [2] 66/6 66/7
 15/13 17/13 18/13 20/5 21/18 23/13   youngest [1] 50/22
 23/24 30/13 31/2 31/3 31/6 38/18     your [106]
which [28] 3/4 3/18 7/25 27/2 32/23 yours [1] 20/14
 32/24 33/7 33/19 33/24 35/20 35/25
 36/14 37/24 38/14 38/21 43/24 45/23 Z
 46/23 58/3 60/4 61/5 62/15 62/21
 64/15 65/2 66/10 68/9 68/25          zero [7] 26/12 30/4 43/21 44/2 44/5
while [2] 59/8 62/17                   44/8 44/11
who [61] 2/10 4/24 5/5 5/16 7/1 7/23 zilch [1] 5/6
 7/23 9/24 9/25 10/1 10/16 10/20
 10/24 10/25 11/8 11/9 11/14 11/21
 12/3 12/6 12/15 12/15 12/19 14/21
 14/22 14/25 17/25 18/3 21/1 21/25
 24/6 26/22 30/14 30/23 31/10 31/12
 32/16 32/18 32/24 39/22 40/23 41/7
 41/19 42/1 42/6 43/8 43/8 43/9 43/9
 43/12 49/5 50/12 51/18 51/19 55/17
 58/21 59/7 59/18 59/24 66/14 67/2
whole [1] 54/6
whom [1] 18/15
whose [1] 12/18
why [18] 3/25 6/5 8/14 10/10 10/12
 15/19 17/11 19/25 30/17 33/2 47/5
 47/5 47/8 47/10 47/14 53/14 56/1
 64/6
widow's [1] 60/15
Wilkins [2] 15/5 21/24
will [19] 2/5 12/18 13/11 25/11
 32/12 32/17 33/6 42/1 43/23 43/25
 44/1 44/4 56/12 57/23 61/24 62/4
 62/8 66/23 70/20
willfully [1] 35/5
willing [1] 59/7
wire [3] 2/22 32/7 33/23
wires [1] 15/2
wish [2] 58/6 58/18
within [13] 7/22 11/11 13/22 28/24
 29/18 29/19 29/25 34/10 36/2 38/20
 62/13 62/25 70/4
without [4] 16/15 63/18 64/1 70/6
wolff [4] 1/21 1/24 72/5 72/24
woman [2] 9/25 14/25
women [1] 7/4
words [2] 13/15 22/15
work [4] 14/2 14/13 40/16 55/23
worked [1] 40/15
working [1] 28/22
world [2] 45/25 47/21
worried [1] 65/25
worry [1] 23/19
worse [4] 43/9 43/19 44/18 46/11
worth [3] 52/12 57/2 67/3
would [50] 2/9 3/18 5/1 5/10 8/11
 20/17 21/7 22/7 29/9 29/10 37/13
 37/19 38/16 38/18 38/22 38/24 40/3
 41/17 41/20 46/3 46/5 47/3 47/5 47/6
 47/7 47/8 47/10 48/4 48/5 49/16
 49/17 49/20 49/21 49/21 49/22 49/24
 52/3 54/7 54/23 57/4 57/24 57/24
 58/12 58/18 60/13 68/12 69/1 69/3
 69/10 70/8
wrap [1] 21/21
wrenching [2] 42/5 48/3
writes [1] 27/25
writing [2] 9/15 39/4
written [1] 66/12
wrong [6] 5/8 5/9 15/22 15/22 19/17
 25/8
wrote [4] 26/1 50/12 58/11 66/14

Y
yeah [2] 6/4 53/25
year [2] 47/24 49/17
years [17] 34/4 36/7 37/5 39/15 45/6
 50/21 50/23 53/18 53/23 54/15 56/23
 56/24 59/25 60/12 62/11 66/24 66/25
yes [16] 3/16 6/1 6/11 6/18 16/19
 24/21 28/6 29/3 29/4 29/12 36/16
 36/19 69/1 69/14 69/14 70/18


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