Allen Stanford Criminal Trial Transcript Volume 6 Jan. 30, 2012

1613

1 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF TEXAS

2 HOUSTON DIVISION

3 UNITED STATES OF AMERICA . . H-09-CR-342-1

4 vs. . HOUSTON, TEXAS . JANUARY 30, 2012

5 . 10:15 A.M. ROBERT ALLEN STANFORD .

6 . . . . . . . . . . . . . . .

7 TRANSCRIPT OF JURY TRIAL

8 BEFORE THE HONORABLE DAVID HITTNER UNITED STATES DISTRICT JUDGE

9 VOLUME 6

10

11 A P P E A R A N C E S:

12 FOR THE GOVERNMENT:

13 Gregg J. Costa Assistant US Attorney

14 PO Box 61129 Houston, TX 77208-1129

15 William Stellmach

16 Andrew Howard Warren U.S. Department of Justice

17 1400 New York Avenue NW Washington, DC 20005

18 FOR THE DEFENDANT:

19 Ali R. Fazel

20 Robert Scardino Scardino Fazel

21 1004 Congress Street 3rd Floor

22 Houston, TX 77002

23

24 Proceedings recorded by mechanical stenography, tra nscript produced by computer-aided transcription.

25 - - - - -

Cheryll K. Barron, CSR, CM, FCRR 713.250.5585

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1 A P P E A R A N C E S: (Continued)

2 FOR THE DEFENDANT: (Continued)

3 John M. Parras Attorney at Law

4 1018 Preston Floor 2

5 Houston, TX 77002

6 Kenneth W. McGuire McGuire Law Firm

7 PO Box 79535 Houston, TX 77279

8

9 OFFICIAL COURT REPORTER:

10 Cheryll K. Barron, CSR, CM, FCRR U.S. District Court

11 515 Rusk Street Houston, TX 77002

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1 INDEX

2 PAGE

3 WITNESSES

4 Mark Paul Collinsworth, Government's Witness

5 Direct Examination by Mr. Warren 1617

6 Cross-Examination by Mr. Fazel 1660

7 Redirect Examination by Mr. Warren 1744

8 Recross-Examination by Mr. Fazel 1788

9 Further Redirect Examination by Mr. Warren 1809

10 Further Recross-Examination by Mr. Fazel 1814

11 Further Redirect Examination by Mr. Warren 1816

12 Further Recross-Examination by Mr. Fazel 1816

13 Marian Althea Crick, Government's Witness

14 Direct Examination by Mr. Warren 1824

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

2 (Jury not present)

3 THE COURT: All right. Be seated, please. Sorry for

4 the delay. I'll mention to you later. It's all case related

5 to this case. 1 0 : 1 8

6 May the attorneys for the defense approach the

7 bench?

8 At the end of the session last week and -- on

9 their matters. So, the government wasn't here, s ome of you in

10 the courtroom. I need to see just the defense at torneys up1 0 : 1 8

11 here, please.

12 (Sidebar with defense counsel)

13 THE COURT: All right. Ellen, are all the camera s on?

14 Everything is working, right?

15 THE CASE MANAGER: Yes, sir.1 0 : 2 0

16 THE COURT: Okay. Let's get the jury in, please.

17 (Jury present)

18 THE COURT: Good morning.

19 THE JURORS: (In unison) Good morning.

20 THE COURT: As I told the attorneys, the delay th is1 0 : 2 2

21 morning was on me; but it was case related. I'm going to, as

22 soon as we get going, making some notes here as t o what was

23 going on; and I'll let you know as to why we were about 20

24 minutes late getting underway this morning.

25 All right, counsel. Go right ahead, please,1 0 : 2 2


1617

1 Mr. Warren.1 0 : 2 2

2 MR. WARREN: Thank you, your Honor.

3 MARK PAUL COLLINSWORTH, GOVERNMENT'S WITNESS, TESTIFIED:

4 DIRECT EXAMINATION

5 BY MR. WARREN: 1 0 : 2 2

6 Q. Good morning, Mr. Collinsworth.

7 A. Good morning.

8 MR. WARREN: Your Honor, we're just waiting for t he

9 Elmo to come on.

10 THE COURT: Is it on?1 0 : 2 2

11 MR. WARREN: Your Honor, I swear it was working f ive

12 minutes ago.

13 THE COURT: All right. Is it? Oh, it's got to w arm

14 up.

15 (Discussion off the record)1 0 : 2 3

16 MR. WARREN: Your Honor, I can proceed while the

17 projector warms up.

18 THE COURT: Absolutely.

19 BY MR. WARREN:

20 Q. Mr. Collinsworth, can you see a copy of the dem onstrative1 0 : 2 4

21 that's on the screen?

22 A. I can.

23 Q. Can you please remind the jury where on this de monstrative

24 you worked?

25 A. Research analyst, Memphis.1 0 : 2 4


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1 Q. Where did financial advisors like Jason Green w ork?1 0 : 2 4

2 A. Stanford Group Company.

3 Q. That's the box in the middle?

4 A. Correct.

5 Q. And who actually sold the bank CDs to investors ?1 0 : 2 4

6 A. The financial advisors.

7 Q. And the line from CD money from the Stanford Gr oup Company

8 to SIB, Stanford International Bank, what does th at represent?

9 A. That represents the depositors' money that went from

10 brokerage to the bank.1 0 : 2 5

11 Q. And the line from the CD money down to the glob al money

12 managers, what does that represent?

13 A. That represents the money going from the bank t o the money

14 managers.

15 Q. The dotted line from the research analysts in M emphis down1 0 : 2 5

16 to the global money managers, what does that repr esent?

17 A. That represents the tracking that the Memphis g roup did for

18 the money managers.

19 Q. Is that tracking -- was that for all three tier s?

20 A. No, just Tier II.1 0 : 2 5

21 Q. Would that be a more accurate representation, a s you

22 understood this to work?

23 A. Very accurate.

24 Q. Can you remind the jury, please, of the -- whic h was

25 larger, Tier II or Tier III?1 0 : 2 6


1619

1 A. Tier III.1 0 : 2 6

2 Q. Was it a little bit larger or was it multiples larger?

3 A. About nine to ten times larger.

4 Q. How many people in Memphis, research analysts, worked on

5 Tier II?1 0 : 2 6

6 A. About 20 something.

7 Q. How many research analysts in Memphis worked on Tier III?

8 A. No analysts in Memphis worked on Tier III.

9 THE COURT: Again, how many on Tier II?

10 THE WITNESS: Twenty-something, 25.1 0 : 2 6

11 THE COURT: Okay.

12 BY MR. WARREN:

13 Q. Can you remind the jury, please, who managed Ti er III?

14 A. That would be James Davis, Allen Stanford, boar d of

15 directors/investment committee.1 0 : 2 6

16 Q. And what about Laura Holt?

17 A. And Laura, also.

18 Q. Did you ever discuss with the financial advisor s, such as

19 Jason Green, that you and the other research anal ysts in

20 Memphis only worked on Tier II?1 0 : 2 6

21 A. I think I may have mentioned that once or twice .

22 Q. And why didn't you have more frequent discussio ns about

23 that?

24 A. Because we were told never to talk about how mu ch money or

25 what we did in Tier II.1 0 : 2 7


1620

1 Q. Who told you that?1 0 : 2 7

2 A. That would be Laura Pendergest-Holt and James D avis.

3 Q. Were you told that just once?

4 A. Multiple times.

5 Q. Mr. Collinsworth, I would like to go back to th e easel that1 0 : 2 7

6 we were using the other day. And can you see the easel, sir?

7 MR. WARREN: Your Honor, if I may inquire through the

8 Court whether the jury can see the easel?

9 THE COURT: Well, can the jury see it?

10 THE JURORS: (In unison) Yes.1 0 : 2 7

11 THE COURT: Okay.

12 BY MR. WARREN:

13 Q. And, Mr. Collinsworth, if we can pull up -- I'm sorry.

14 MR. WARREN: Can we pull up Exhibit 120? This is the

15 2007 annual report.1 0 : 2 7

16 THE COURT: You tell me what you want. You want the

17 lights on or off? If you are going to use both - - you just

18 tell me what you want.


20 THE COURT: What do you want?1 0 : 2 8

21 MR. WARREN: I'll have to see how it looks in the

22 light. I think it's fine as it is.

23 THE COURT: Just with the light on so they can se e the

24 chart, also?

25 MR. FAZEL: I'm not objecting. I'm standing beca use I1 0 : 2 8


1621

1 can't see.1 0 : 2 8

2 THE COURT: That's what you want, you're going to use

3 the chart and the screen?

4 MR. WARREN: Yes, your Honor.

5 THE COURT: All right. Go on.1 0 : 2 8

6 BY MR. WARREN:

7 Q. Mr. Collinsworth, do you recall this exhibit? This is the

8 2007 annual report we were looking at on Friday a fternoon.

9 A. Yes.

10 Q. Mr. Collinsworth, this is the balance sheet for the annual1 0 : 2 8

11 report, correct?

12 A. Correct.

13 Q. Can you briefly explain to the jury what a bala nce sheet

14 is?

15 A. A balance sheet is just -- is a snapshot in tim e of the1 0 : 2 8

16 assets, liabilities, and equities of -- and share holder equity

17 at a certain time for a company.

18 Q. Now, what was the total reported assets of Stan ford

19 International Bank as of year end 2007?

20 MR. FAZEL: Your Honor, I would -- I'm objecting to1 0 : 2 9

21 the form of the question.

22 THE COURT: Rephrase it, please.

23 BY MR. WARREN:

24 Q. What was the total reported assets of Stanford

25 International Bank as of year end 2007?1 0 : 2 9


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1 MR. FAZEL: I'm going to renew my objection becau se1 0 : 2 9

2 this document is in for a limited purpose and I t hink he's

3 asking for the veracity of the document. So that -- my

4 objection is to the form of the question.

5 THE COURT: What's your response?1 0 : 2 9

6 MR. WARREN: I'll rephrase, your Honor. I didn't

7 understand the --

8 THE COURT: Okay. Now, what document is this?

9 MR. WARREN: It's 120.

10 THE COURT: Don't forget I need a list -- maybe y ou've1 0 : 2 9

11 handed it in already -- of all the documents prev iously

12 referenced. Because I've taken everything up -- they got

13 that -- ever since 131, I've gotten just every ti me you just

14 mention an exhibit.

15 All right. Go on.1 0 : 2 9

16 BY MR. WARREN:

17 Q. Mr. Collinsworth, what was your understanding o f the total

18 reported assets of Stanford International Bank as of year end

19 2007?

20 A. Roughly 7 billion.1 0 : 3 0

21 Q. And what tiers did this include as you understo od it?

22 A. That would be the total of Tiers I, II, and III .

23 Q. And what was your understanding of the total am ount of

24 Tier I, cash, as of year end 2007?

25 A. 627 million.1 0 : 3 0


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1 Q. Now, did anyone in Memphis have oversight of th at cash of1 0 : 3 0

2 Tier I?

3 A. No.

4 Q. If we look at the second line on the balance sh eet, where

5 it says financial assets at fair value, what's yo ur1 0 : 3 0

6 understanding of what tiers that included?

7 A. That would be Tiers I, II, and III.

8 Q. Would it include Tier I, as well? Or just Tier s II and

9 III?

10 A. That would be just Tiers II and III.1 0 : 3 1

11 Q. And what was the total amount as you understood to be in

12 Tiers II and III as of year end 2007?

13 A. Can you say the question again?

14 Q. Sure. What was your understanding of the total amount of

15 Tiers II and III as of year end 2007?1 0 : 3 1

16 A. Total, 6 billion.

17 THE COURT: 6 million or billion?

18 THE WITNESS: "Billion" with a B.

19 THE COURT: With a B?

20 THE WITNESS: With a B.1 0 : 3 1

21 BY MR. WARREN:

22 Q. You're getting that from the 6.34 billion numbe r?

23 A. Correct.

24 Q. Now, out of that $6.34 billion, do you recall w hat the

25 total amount in Tier II was as of year end 2007? 1 0 : 3 1


1624

1 If not, I can show you something to refresh your1 0 : 3 1

2 memory.

3 A. It was around maybe 800 million.

4 MR. WARREN: Your Honor -- I'm sorry. Can we tur n to

5 Exhibit 1602 for a moment?1 0 : 3 1

6 THE COURT: That was the last one you identified,

7 correct, 1602?

8 MR. WARREN: I believe so, your Honor.

9 BY MR. WARREN:

10 Q. Mr. Collinsworth, rather than test your memory, I'll ask1 0 : 3 2

11 you now. What was the total amount in Tier II as of year

12 end 2007?

13 A. 889 million.

14 Q. Mr. Collinsworth, looking at this diagram, what did you

15 understand to be the total amount in Tier III ass ets as of year1 0 : 3 2

16 end 2007?

17 A. Probably about 6 billion.

18 Q. Would you like a calculator?

19 A. Yes, if you could, please.

20 THE COURT: Well, is that about right? Why don't you1 0 : 3 2

21 lead him?

22 BY MR. WARREN:

23 Q. I'll lead you a little bit. If we have roughly 600 million

24 and 890, that's about 1.5 billion?

25 A. Correct.1 0 : 3 2


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1 Q. What's 7 billion less 1.5 billion?1 0 : 3 2

2 A. It's about 5-point-something billion.

3 Q. Would five and a half be about right?

4 A. Correct.

5 Q. And could you remind the jury, please, who did you1 0 : 3 3

6 understand to manage -- I'm sorry -- where was th at money

7 located, both the 889 million and the 5.5 billion ?

8 A. The 889 million was in the European money manag ers and the

9 5.5 billion, from what we were told, real estate, hedge funds,

10 private equity.1 0 : 3 3

11 Q. And was that money also managed by the European money

12 managers?

13 A. I'm not a hundred percent sure on that.

14 THE COURT: Well, didn't you say that the informa tion

15 relative to Tier III, I noted down, was only Mr. Stanford,1 0 : 3 3

16 Davis, and Holt, and maybe some of the board?

17 THE WITNESS: Correct.

18 THE COURT: So, I don't understand. Was it manag ed by

19 somebody else or was -- were these the only ones that had

20 knowledge of it? Because you say about 25 analys ts were1 0 : 3 3

21 working on Tier II.


23 THE COURT: And Tier III, I heard only three name s.


25 THE COURT: What were those three names involved in1 0 : 3 4


1626

1 doing? Day-to-day -- what is it? Day-to-day man agement? Or1 0 : 3 4

2 did someone else manage Tier III, but you didn't know who they

3 were?

4 THE WITNESS: From what I understand, those peopl e

5 that I named, they always referenced themselves a s "managers of1 0 : 3 4

6 managers." So, I assume that means they had mone y allocated to

7 other managers who were doing the day-to-day. Th ey were just

8 overseeing those managers.

9 THE COURT: But you were saying something about

10 European. Was it a European group or somebody el se you don't1 0 : 3 4

11 know?

12 THE WITNESS: Well, the European managers I'm

13 referring to were the ones that were Tier II.

14 THE COURT: Tier II?

15 THE WITNESS: Correct. And that money was alloca ted1 0 : 3 4

16 to them; and they bought stocks, bonds, hedge fun ds, whatever

17 they decided to buy.

18 THE COURT: Okay. Go on.


20 BY MR. WARREN: 1 0 : 3 4

21 Q. And the -- you identified the European money ma nagers as

22 you know to be having the money for Tier II, righ t?

23 A. Correct.

24 Q. You don't know where -- excuse me.

25 Did you know where the money managers who managed1 0 : 3 5


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1 Tier III were located?1 0 : 3 5

2 A. No.

3 Q. You just understood that Mr. Stanford, Mr. Davi s, and

4 Ms. Holt managed those managers?

5 A. Correct.1 0 : 3 5

6 THE COURT: You might pull it closer to these sta irs

7 here, because sometimes a witness can't see aroun d it.

8 MR. WARREN: Can your Honor see it?

9 THE COURT: I can see. I have it on the screen h ere,

10 too.1 0 : 3 5

11 BY MR. WARREN:

12 Q. Mr. Collinsworth, I'm handing you what has been marked as

13 Government's Exhibit 218. And please take a mome nt just to

14 review that document.

15 THE COURT: Oh, one thing I do want to mention to you.1 0 : 3 6

16 You'll note that Mr. Scardino isn't here. He has a funeral

17 that he needed to attend to today and wanted ever ybody to know

18 that he'll be back tomorrow. So, if you wonder w here he is,

19 that's where Mr. Scardino is.

20 And that's done with the request of the1 0 : 3 6

21 attorneys, to let the jury know.

22 MR. WARREN: If we can publish 218, your Honor, w e're

23 not offering this document for the truth. And wi th that

24 understanding, counsel has no objections.

25 MR. FAZEL: That's correct.1 0 : 3 6


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1 THE COURT: Go on. Thank you.1 0 : 3 6

2 MR. WARREN: Can you turn to the next page, pleas e?

3 BY MR. WARREN:

4 Q. Mr. Collinsworth, please tell the jury what thi s document

5 is, generally.1 0 : 3 7

6 A. It's a standard operating procedure for the sen ior

7 investment officer.

8 Q. Standard operating procedure for the senior inv estment

9 officer. Who is the senior investment officer?

10 A. Michael Zarich.1 0 : 3 7

11 Q. And what was the role of the senior investment officer?

12 A. The senior investment officer's job was to expl ain the

13 philosophy of how the bank manages money to poten tial clients.

14 Q. Do you know when Mr. Zarich became the senior i nvestment

15 officer?1 0 : 3 7

16 A. 2005, 2006.

17 Q. If you'd turn to the next page, please, Mr. Col linsworth,

18 it's Page 2 in your document.

19 A. (Complies).

20 MR. WARREN: And if we could blow up the top part of1 0 : 3 7

21 the second paragraph, please?

22 BY MR. WARREN:

23 Q. Mr. Collinsworth, could you please read -- star t reading

24 with the beginning of that paragraph?

25 A. "Pulling its best and brightest from across bus iness units1 0 : 3 8


1629

1 SFG and" --1 0 : 3 8

2 THE COURT: Slow down a little bit, the reason be ing

3 people tend to speed up when they read; but the c ourt reporter

4 needs to take it down.

5 THE WITNESS: "Pulling its best and brightest fro m1 0 : 3 8

6 across business units, SFG and the SIC, Strategic Investment

7 Committee, initiated the newly formed position of senior

8 investment officer per business unit whose primar y role will be

9 to oversee the unit's execution of the investment strategies as

10 outlined by the SIC and ultimately the shareholde r."1 0 : 3 8

11 BY MR. WARREN:

12 Q. Stop there, please. Who is the shareholder of the bank at

13 this time?

14 A. Allen Stanford.

15 MR. WARREN: And if we can focus on the paragraph on1 0 : 3 8

16 the right side of the page.

17 BY MR. WARREN:

18 Q. Could you please read, starting with the beginn ing?

19 A. "This resource manual seeks to provide a qualit y

20 knowledgeable transfer program designed to serve as a master1 0 : 3 9

21 tool for the newly developed position of strategi c investment

22 officer."

23 Q. Mr. Collinsworth, I would ask you to turn to Pa ge 19 in the

24 document.

25 A. (Complies).1 0 : 3 9


1630

1 Q. Do you see this -- are you on the page, "Tools for Client1 0 : 3 9

2 Communication"?

3 A. Yes.

4 Q. This is a table of contents you have in front o f you?

5 MR. WARREN: If we could highlight the right side of1 0 : 3 9

6 the page, please, where it says "Assisting the Cl ient"?

7 BY MR. WARREN:

8 Q. Could you please read that for the jury?

9 A. "The questions and answers contained in this ma nual will

10 assist the SIO in developing an understanding of the goals of1 0 : 3 9

11 SIBL while also providing a resource for addressi ng client

12 needs and communication."

13 Q. Thank you. And if we turn to the next page, pl ease, I

14 would like to focus your attention on the right s ide of the

15 page, in the top half, where it says, "Who actual ly manages the1 0 : 4 0

16 portfolio?"

17 Can you read the beginning of the answer to that

18 question, under the "Tools for client communicati on"?

19 A. "The role of the SIO is to oversee the SIBL por tfolio to

20 ensure that the targeted allocations are within t he parameters1 0 : 4 0

21 as set by the board of directors and to ensure th at the

22 investment targets are achieved."

23 Q. And please continue.

24 A. "A group of more than 20 global advisors are re sponsible

25 for the day-to-day management of the assets."1 0 : 4 0


1631

1 Q. Let me stop you there for a minute. I would li ke you to1 0 : 4 0

2 focus on the first part of that, where it says, " The role of

3 the SIO is to oversee the SIBL portfolio."

4 Was that your understanding of what the SIO did,

5 Michael Zarich?1 0 : 4 0

6 A. Yes.

7 Q. Now, did Mr. Zarich have oversight of Tier II?

8 A. Yes.

9 Q. Did you report to Mr. Zarich?

10 A. No.1 0 : 4 1

11 Q. Did he have any discretionary authority over th e Tier II

12 accounts?

13 A. No.

14 Q. What would have happened if Mr. Zarich, the SIO , had told

15 you to make a particular trade in one of your acc ounts?1 0 : 4 1

16 A. I would have ignored it.

17 Q. Why?

18 A. Because the CIO was the one that had the ultima te --

19 could -- had the ability to bust a trade.

20 Q. And who was that?1 0 : 4 1

21 A. That would be Laura Pendergest-Holt.

22 Q. Now, the second part that you just read, starti ng with "a

23 group," references a group of more than 20 global advisors. Is

24 this talking about the 20 some European money man agers that you

25 identified on Friday?1 0 : 4 1


1632

1 MR. FAZEL: Your Honor, I'm sorry. I object to t he1 0 : 4 1

2 form of the question.

3 THE COURT: Well, why? It's leading?

4 MR. FAZEL: Well, it's leading and also --

5 THE COURT: All right. Sustained.1 0 : 4 1

6 BY MR. WARREN:

7 Q. Mr. Collinsworth, do you know who this group of more than

8 20 global advisors, that reference, who that's de scribing?

9 MR. FAZEL: Your Honor, I'm sorry. I would objec t to

10 the form of the question. This document is not i ntroduced for1 0 : 4 2

11 the truth of the matter asserted.

12 THE COURT: Overruled. I understand, but overrul ed.

13 THE WITNESS: Yes. The reference to the 20 globa l

14 advisors are the European money managers.

15 BY MR. WARREN: 1 0 : 4 2

16 Q. Now, as you understood it, who did those -- wha t tiers did

17 those global advisors actually oversee?

18 A. Just Tier II.

19 Q. If you would, please, turn to Page 22 in the ma nual.

20 A. (Complies).1 0 : 4 2

21 Q. Mr. Collinsworth, do you see where it says, "Ho w many

22 analysts are watching the portfolio?"

23 A. Yes.

24 Q. Please read the first sentence.

25 A. "SIBL has a team of 15 analysts working under t he1 0 : 4 2


1633

1 investment committee's office."1 0 : 4 3

2 Q. I'm sorry. And the next sentence, as well.

3 A. "Each analyst is assigned to a specific portfol io advisor,

4 where they monitor the day-to-day activity as wel l as compile

5 weekly account statements."1 0 : 4 3

6 Q. Does that accurately describe how the Memphis g roup

7 operated with regard to Tier II?

8 A. Yes, it does.

9 Q. Do you know whether that accurately described h ow the

10 entire portfolio was managed?1 0 : 4 3

11 A. No.

12 Q. You don't know or it's not accurate?

13 A. I -- no, I don't know how the -- can you rephra se the

14 question?

15 Q. Sure. Do you know whether that's an accurate d escription1 0 : 4 3

16 of how the entire portfolio was managed, not just Tier II?

17 A. No, I don't know what -- I don't know if this r efers to

18 Tier III.

19 Q. And why don't you know?

20 A. Because I only specialized in Tier II.1 0 : 4 3

21 MR. WARREN: If we go to the next paragraph, plea se.

22 BY MR. WARREN:

23 Q. Can you read the first sentence to the answer o f that

24 question, "Does the Memphis group manage the port folios?"

25 A. "SFG Memphis does not manage the portfolio but, rather,1 0 : 4 4


1634

1 assists the SIO in the day-to-day monitoring of t he portfolio."1 0 : 4 4

2 Q. That's fine. Let's stop there.

3 Is that an accurate description of what SFG

4 Memphis did?

5 A. Yes.1 0 : 4 4

6 Q. Is that an accurate description of what SFG Mem phis did

7 with regard to the entire portfolio?

8 A. No. Just Tier II.

9 Q. Mr. Collinsworth, if you could please turn to P age 30 of

10 the manual.1 0 : 4 4

11 A. (Complies).

12 Q. Mr. Collinsworth, could you please read the des cription in

13 this training manual for Tier I?

14 A. "Tier I, liquid cash, 24-hour, three-month depo sit, sweep

15 accounts predominantly US dollars and Euro."1 0 : 4 5

16 Q. What do you understand that to be?

17 A. That's liquid cash.

18 Q. Who managed that?

19 A. Patricia Maldonado.

20 Q. Tier II, please?1 0 : 4 5

21 A. "Tier II, more aggressive, portion-alternative strategies,

22 straight debt, equity and sovereign markets, extr emely

23 diversified, commodity plays."

24 Q. Is that description of Tier II consistent with your

25 understanding of Tier II?1 0 : 4 5


1635

1 A. Yes.1 0 : 4 5

2 Q. And Tier III, please.

3 A. "Tier III, largest tier, blue chips, long-term bonds, very

4 conservative, income generating, buy/hold positio ns, separate

5 advisors."1 0 : 4 5

6 Q. Is that description consistent with your unders tanding of

7 Tier III?

8 A. No.

9 Q. Why not?

10 A. Well, at times I was told that Tier III had pri vate equity,1 0 : 4 5

11 real estate, some hedge funds, some stocks but --

12 Q. Mr. Collinsworth, have you ever been to Antigua ?

13 A. Yes.

14 Q. When did you first go?

15 A. Late 2001.1 0 : 4 6

16 THE COURT: How do you get down there? I know yo u fly

17 down, but are there flights -- major flights in t o the island

18 or do you go to another island and have to take a secondary

19 flight?

20 THE WITNESS: It's an all-day journey. It's from1 0 : 4 6

21 Memphis to Miami, Miami to Puerto Rico, Puerto Ri co to Antigua.

22 BY MR. WARREN:

23 Q. Mr. Collinsworth, when you traveled to Antigua, did you fly

24 commercial or on one of -- on a private jet?

25 A. Most times it was commercial; but on a few occa sions, I did1 0 : 4 6


1636

1 get on a private jet.1 0 : 4 6

2 Q. Whose private jet did you go on?

3 A. Stanford's.

4 Q. Why did you go to Antigua for the first time?

5 A. To start preparation for our move down there.1 0 : 4 6

6 Q. What do you mean? Can you please explain to th e jury what

7 you mean by for your "move down there"?

8 A. We were going to start in 2002 doing -- four an alysts would

9 do three-month rotations and actually live in Ant igua for that

10 three months.1 0 : 4 7

11 Q. Again, can you please explain to the jury what you mean,

12 "analysts were going to do three-month rotations" ?

13 A. The analysts would go to Antigua, stay there fo r three

14 months, work in an office there in the bank and, if clients

15 came through, they would introduce us to the clie nts and the1 0 : 4 7

16 client could ask us questions about stocks, bonds , global

17 economies, whatever.

18 Q. How many three-month rotations did you ultimate ly do in

19 Antigua?

20 A. I only did one three-month rotation.1 0 : 4 7

21 Q. Did you do any other rotations?

22 A. I did do other rotations. Eventually, they bro ke it down

23 from three months to -- three months with four an alysts to two

24 analysts every two weeks.

25 Q. How many of those rotations did you do?1 0 : 4 7


1637

1 A. I probably did five or six of those.1 0 : 4 7

2 Q. Whose idea was it to create this program of hav ing Memphis

3 analysts go down to Antigua?

4 A. Mr. Stanford's.

5 Q. How do you know that?1 0 : 4 8

6 A. Because that's what I was told.

7 Q. Mr. Collinsworth, you were explaining the purpo se of why

8 you were down there. You mentioned something to do with

9 clients. Can you elaborate on that a little bit for the jury?

10 A. Yes. We basically worked in the office there. If -- when1 0 : 4 8

11 they brought clients through for -- potential cli ents to make

12 deposits into the bank, they would walk them thro ugh the

13 office. And if the clients had any questions abo ut different

14 investments, the outlook for bonds, stock markets , economies,

15 currencies, there would be an analyst there to an swer those1 0 : 4 8

16 questions.

17 Q. In the multiple rotations you did down there, t he first one

18 of three months and then I believe you said four others of a

19 few weeks, how many times did you talk with clien ts down there?

20 A. None.1 0 : 4 8

21 Q. Please compare the type of work that you did -- the type of

22 work in Antigua versus the work you were doing in Memphis.

23 A. It was the same kind of work. It was just much , much

24 slower in Antigua.

25 Q. Why is that?1 0 : 4 8


1638

1 A. Computers were very, very slow, had limited mem ory on them,1 0 : 4 8

2 Internet was very slow. And there's -- the islan d, in general,

3 if you wanted to go to lunch, it was -- it took b asically three

4 hours to go to lunch there.

5 THE COURT: Why?1 0 : 4 9

6 THE WITNESS: I think it's because everyone think s

7 that you are on vacation and you're not working. So, the

8 service there at the restaurants, they're just ve ry laid back

9 and relaxed, so they don't serve very quickly.

10 BY MR. WARREN: 1 0 : 4 9

11 Q. Is there anything that you did in Antigua that you couldn't

12 have been doing in Memphis?

13 A. No.

14 Q. Was there any legitimate reason, as you saw, to be down

15 there in Antigua?1 0 : 4 9

16 A. No.

17 MR. FAZEL: Object to the form of the question.

18 THE COURT: Overruled.

19 BY MR. WARREN:

20 Q. Now, in the number of times that you were down in Antigua,1 0 : 4 9

21 did you ever see people from Lloyd's of London wo rking there?

22 A. No.

23 Q. Where were you actually located in Antigua?

24 A. At the bank.

25 Q. At Stanford International Bank?1 0 : 4 9


1639

1 A. Correct.1 0 : 4 9

2 Q. You never saw people from Lloyd's of London aud iting or

3 looking through documents, anything like that?

4 A. No.

5 Q. What about people from some other insurance com pany1 0 : 4 9

6 checking on the bank's financials, anything like that?

7 A. No.

8 Q. Did you have a nickname for Antigua?

9 A. I do.

10 Q. What did you call it?1 0 : 5 0

11 MR. FAZEL: Objection, relevance, your Honor.

12 THE COURT: Overruled. I want to hear what it wa s.

13 THE WITNESS: Well, I had several names for it. "The

14 rock."

15 BY MR. WARREN: 1 0 : 5 0

16 Q. Why did you call it "the rock"?

17 A. Because it was basically a rock in the middle o f the ocean,

18 with nothing to do on it.

19 Q. Were you ever told not to call it that?

20 A. I was.1 0 : 5 0

21 Q. Did you have a nickname for where you worked at the bank in

22 Antigua?

23 A. I did.

24 Q. What did you call that?

25 A. The fish bowl.1 0 : 5 0


1640

1 Q. Why did you call it "the fish bowl"?1 0 : 5 0

2 A. Well, because the room that the analysts were p ut in, there

3 was a -- basically a glass wall along the hallway . So, when

4 clients came through, it was kind of like, you kn ow, animals in

5 a cage or fish in a fish bowl. 1 0 : 5 0

6 We would kind of wave at them over our computers

7 as they walked by, and that was pretty much it.

8 Q. Mr. Collinsworth, do you know the term "private equity"?

9 A. Yes.

10 Q. What's "private equity" mean, tell me.1 0 : 5 1

11 A. Private equity are basically companies where th eir stocks

12 are not publicly traded. Facebook would be a goo d example.

13 Q. What do you mean they're not publicly traded?

14 A. They don't trade on any kind of a -- don't trad e an any

15 stock market exchanges, NYC, Chicago Exchange or anything like1 0 : 5 1

16 that.

17 Q. Are all private company equities like Facebook?

18 A. No.

19 Q. What kind of -- generally speaking, are we talk ing about

20 large companies, small companies?1 0 : 5 1

21 A. Private equity can be both, you know, large com panies and

22 small companies.

23 Q. Have you ever heard of Stanford Venture Capital Holdings?

24 A. I have.

25 Q. What is that, Stanford Venture Capital Holdings ?1 0 : 5 1


1641

1 A. That was the arm of Stanford that specialized i n doing1 0 : 5 1

2 private equity deals.

3 Q. Did you ever deal with the Stanford Venture Cap ital

4 Holdings while you were employed with Stanford?

5 A. I did later.1 0 : 5 1

6 Q. Can you describe to the jury what your interact ion was?

7 A. Well, I was asked to be on a bidding committee towards the

8 end of '08 because the private equity portfolio w asn't doing

9 very well and Mr. Davis wanted me to basically lo ok at all the

10 deals that came into -- all the potential deals t hat Stanford1 0 : 5 2

11 Venture Capital was going to do. Mr. Davis wante d me to look

12 at them and make sure they were quality deals and just not

13 deals being done for quantity.

14 Q. What do you mean not deals being done for quant ity as

15 opposed to quality?1 0 : 5 2

16 A. In my opinion, I think a lot of the private equ ity deals

17 were done just because they were deals to be done , but they

18 weren't quality companies.

19 Q. Have you ever heard of the term "Noah's ark syn drome"?

20 A. I have.1 0 : 5 2

21 Q. What does that generally refer to in this conte xt?

22 A. Well, in portfolio management, portfolios shoul d have --

23 good portfolios have structure, organization. Th ey really,

24 when you're finished designing a portfolio, shoul d be like a

25 work of art. "Noah's ark syndrome" refers to, as the biblical1 0 : 5 2


1642

1 description, Noah brought two animals onboard; an d you end up1 0 : 5 2

2 with the same thing with a portfolio: You buy tw o of

3 everything, there's no rhyme or reason, and you e nd up with a

4 zoo versus having a well-structured portfolio.

5 Q. Now, were you familiar at the time you were ask ed to look1 0 : 5 3

6 at the SVCH, Stanford Venture Capital Holdings, p ortfolio as to

7 the investments that were in that portfolio?

8 A. Say that again.

9 Q. Did you review the investments in the portfolio ?

10 A. Yes. I was in the process.1 0 : 5 3

11 Q. Can you compare the types of investments in tha t portfolio

12 versus the ones that you made in Tier II?

13 A. Yes. The ones --

14 Q. What types of companies are we dealing with?

15 A. In the private equity?1 0 : 5 3

16 Q. Well, in comparison.

17 A. Large companies versus very, very small compani es, micro

18 caps.

19 Q. Which is which?

20 THE COURT: Pull it in, please.1 0 : 5 3

21 THE WITNESS: The Tier II portfolio had your, you

22 know, mega caps: Coca-Cola, Proctor & Gamble, Joh nson &

23 Johnson, dividend-paying stocks, high returns on invested

24 capital, positive cash flow, low debt.

25 BY MR. WARREN: 1 0 : 5 3


1643

1 Q. What about the companies in the Venture Capital portfolio?1 0 : 5 3

2 A. Lower quality, negative cash flow, high debt le vels,

3 negative to low returns on invested capital.

4 Q. Mr. Collinsworth, do you know the term "liquidi ty"?

5 A. Yes.1 0 : 5 4

6 Q. Was the Stanford Venture Capital portfolio, tha t private

7 equity that we've been discussing, was that liqui d?

8 A. No.

9 Q. Why not?

10 A. Well, private equity, since they don't trade on an1 0 : 5 4

11 exchange -- like, Wal-Mart stock, you actually ha ve to -- if

12 you want to find someone to buy it from you, you have to go out

13 and find them, which may take anywhere from weeks to months to

14 actually find them.

15 Q. You can't trade it very quickly, like Coca-Cola or --1 0 : 5 4

16 A. No.

17 Q. -- Proctor & Gamble?

18 A. No. No.

19 Q. Now, as you understood the Stanford Venture Ca pital

20 portfolio, this private equity, what entity owned these stocks,1 0 : 5 4

21 those assets?

22 A. Well, the top of the umbrella would be SFG.

23 Q. Were these a part of Stanford International Ban k's

24 portfolio?

25 A. I do not know.1 0 : 5 4


1644

1 Q. I would like to turn your attention to November of 2008.1 0 : 5 4

2 What was happening at that time, late 2008, with regard to the

3 Tier II portfolio that you and the other people i n Memphis were

4 managing?

5 A. That would be when -- the first time we actuall y saw1 0 : 5 5

6 withdrawals come out of that portfolio.

7 Q. What do you mean?

8 A. Well, for the previous nine years, money had al ways come

9 into the portfolios. But in -- starting around T hanksgiving of

10 '08, there was actually started -- they actually started1 0 : 5 5

11 pulling money out of Tier II.

12 Q. Who started pulling money out of the Tier II po rtfolio?

13 A. Laura Pendergest-Holt.

14 Q. Do you know why money was being pulled out of t he

15 portfolio?1 0 : 5 5

16 A. Well, I was -- yes. I was told that, with year end coming

17 up, they wanted to show that they had a large cas h position.

18 Q. Who told you that?

19 A. Laura Pendergest.

20 THE COURT: "They" had, meaning what? The tier h ad or1 0 : 5 5

21 the company had a large cash position?

22 THE WITNESS: I just know Tier II.

23 THE COURT: Just Tier II?

24 THE WITNESS: Yeah.

25 BY MR. WARREN: 1 0 : 5 5


1645

1 Q. Did anyone ever tell you that the reason why yo u needed to1 0 : 5 5

2 pull money out of Tier II was because more CD red emptions were

3 coming in than purchasing CDs?

4 A. No.

5 Q. No one ever told you that was the reason you ne eded to1 0 : 5 6

6 liquidate, because more money was going out than coming into

7 the bank?

8 A. No.

9 Q. Do you remember when news of the Madoff Ponzi s cheme broke?

10 A. I do.1 0 : 5 6

11 Q. Roughly when was that?

12 A. Second week of December.

13 THE COURT: Of what year?

14 THE WITNESS: Of 2008.

15 BY MR. WARREN: 1 0 : 5 6

16 Q. And what was going on with regard to your job a t SFG when

17 you heard about the Madoff Ponzi scheme?

18 A. I became extremely concerned.

19 Q. About what?

20 A. About the location and how Tier III was investe d.1 0 : 5 6

21 Q. Can you explain that?

22 A. Yes. The returns on the -- SIB's portfolio was very

23 similar to those funds like Kingsgate, Fairfield Sentry --

24 Q. I'm sorry. Let me stop you there. What's King sgate and

25 Fairfield Sentry?1 0 : 5 6


1646

1 A. Those are hedge funds.1 0 : 5 6

2 Q. And what's the connection between those hedge f unds and

3 Madoff, as you understood it?

4 A. Well, after the Madoff news broke, we discovere d that those

5 hedge funds were actually feeder funds into Berni e Madoff.1 0 : 5 7

6 Q. What is that mean?

7 A. A "feeder fund" is basically you put money in o ne entity

8 and you think that one entity is managing your mo ney but they

9 really shipped it off to someone else. So, for e xample,

10 Kingsgate, you put the money with Kingsgate. You think1 0 : 5 7

11 Kingsgate is managing your money, but secretly th ey've shifted

12 their money to Bernie Madoff.

13 Q. Why did this cause you concern?

14 A. Because the returns for SIB were very similar t o those of

15 Fairfield Sentry and Kingsgate.1 0 : 5 7

16 THE COURT: I don't understand that. Explain it,

17 please.

18 THE WITNESS: Explain which part?

19 THE COURT: Just what you said. You want it read

20 back?1 0 : 5 7

21 THE WITNESS: Okay.

22 THE COURT: Because you said the income was simil ar to

23 these two other organizations. How so?

24 THE WITNESS: The returns, the returns for funds like

25 Kingsgate and Fairfield Sentry, there were -- the y were1 0 : 5 7


1647

1 averaging 11, 11.2, 11.3 percent almost every sin gle year, just1 0 : 5 7

2 like SIB.

3 BY MR. WARREN:

4 Q. Why did that cause concerns for you?

5 A. Because I believed at that point that Tier III, the bulk of1 0 : 5 7

6 that portfolio, was either directly or indirectly invested in

7 Bernie Madoff.

8 Q. What did you do --

9 THE COURT: You're talking about returns of

10 11 percent. To the best of your knowledge, was T ier III also1 0 : 5 8

11 getting those kind of returns?

12 THE WITNESS: Yes.

13 THE COURT: Okay.

14 BY MR. WARREN:

15 Q. What were the returns on the overall SIB portfo lio?1 0 : 5 8

16 A. About 11.2, 11.3.

17 Q. Did you raise those concerns with anyone?

18 A. I did.

19 Q. With who?

20 A. Laura Pendergest-Holt.1 0 : 5 8

21 Q. And did Ms. Holt address those concerns?

22 A. Yes.

23 Q. What did she tell you?

24 A. She said that she had basically seen the Tier I II portfolio

25 and I had nothing to worry about. 1 0 : 5 8


1648

1 And then she called a conference together with1 0 : 5 8

2 all the analysts -- St. Croix, Memphis, Tupelo -- and we all

3 got in the conference room, and she went into mor e details on

4 how the company had made money for 2008.

5 Q. When you first spoke with Ms. Holt and during t hat later1 0 : 5 8

6 conference you had with the other research analys ts, did what

7 Ms. Holt told you address the concerns that you h ad?

8 A. I felt good after it.

9 Q. And did that feeling good change?

10 A. It did change.1 0 : 5 9

11 Q. When?

12 A. Over the next day or so.

13 Q. Why?

14 A. Because she had said that one of the places tha t they had

15 made a lot of money that year was, of course, rea l estate, real1 0 : 5 9

16 estate and private equity. Of course, after, you know, having

17 some time to think about it, private equity and r eal estate

18 were your absolutely two worst investments in the entire year.

19 So, I couldn't understand how you made money in t he two

20 worst-performing asset classes for that year.1 0 : 5 9

21 Q. If you could break that down a little bit, plea se. Explain

22 that again because I didn't quite follow why that would cause a

23 concern for you if Ms. Holt --

24 THE COURT: Explain it so some of us who are not doing

25 what you do for a living have maybe a better shot at1 0 : 5 9


1649

1 understanding it. How about that?1 0 : 5 9


3 THE WITNESS: Okay. She said that they had made money

4 in real estate deals and private equity deals --

5 BY MR. WARREN: 1 0 : 5 9

6 Q. I'm sorry. Who had made money in real estate d eals and

7 private equity deals?

8 A. Tier III.

9 THE COURT: Again, give me a definition of "priva te

10 equity" deals.1 0 : 5 9

11 THE WITNESS: Private equity is basically a -- it 's

12 ownership in a company. It's not publicly traded . Facebook

13 would be a good example. At one time Yahoo was a privately

14 owned company, and it went public. So, at one ti me Yahoo could

15 only be purchased if you basically sat down in a room and you1 1 : 0 0

16 negotiated a deal, which may take anywhere from w eeks to

17 months --

18 THE COURT: You mean rather than go into a major

19 market?

20 THE WITNESS: Correct.1 1 : 0 1

21 THE COURT: Like the stock market.


23 THE COURT: But isn't Facebook now just thinking of --

24 there was rumors that it's going public.

25 THE WITNESS: We'll actually know Wednesday. Rum or1 1 : 0 1


1650

1 has it they will file their IPO news on Wednesday .1 1 : 0 1

2 THE COURT: "IPO" is?

3 THE WITNESS: Initial public offering.

4 THE COURT: Go on.

5 BY MR. WARREN: 1 1 : 0 0

6 Q. Mr. Collinsworth, by the way, was the private e quities that

7 you reviewed in the Stanford Venture Capital port folio big,

8 strong companies, like Facebook and Yahoo?

9 A. Oh, no.

10 Q. So, please continue to --1 1 : 0 0

11 THE COURT: Well, you seem emphatic about that. Why?

12 What were they?

13 THE WITNESS: Well, usually in, like, a -- if you go

14 to, like, some of your big private equity firms a nd you look at

15 the portfolios and you'll see stuff in them like, you know,1 1 : 0 1

16 Facebook. You'll see companies you probably use every day.

17 Like I said, at one time AOL, Yahoo were in a lot

18 of those same portfolios. They were already well known; they

19 just hadn't gone public yet.

20 BY MR. WARREN: 1 1 : 0 2

21 Q. But compare that to what you saw in the Venture Capital

22 portfolio in Stanford.

23 A. The companies in the private equity portfolio, if you look

24 through the portfolio, you wouldn't recognize any of the

25 companies.1 1 : 0 2


1651

1 Q. And let's go back to why what Ms. Holt told you didn't1 1 : 0 2

2 address the concerns that you --

3 THE COURT: Let me ask you -- I'm sorry.

4 MR. WARREN: Of course, your Honor.

5 THE COURT: How would you know what's in Tier III when1 1 : 0 2

6 it's supposed to be so secret?

7 THE WITNESS: That was actually Stanford Venture

8 Capital.

9 THE COURT: Which is?

10 THE WITNESS: That was the private equity that Da nny1 1 : 0 2

11 Bogar's team was working on.

12 THE COURT: Okay. Now, that's not Tier III?

13 THE WITNESS: No.

14 THE COURT: Tier III is what?

15 THE WITNESS: Tier III is private equity, real es tate,1 1 : 0 2

16 some hedge funds.

17 THE COURT: Okay. You need to link that up

18 eventually. You don't have to do it now but even tually.

19 MR. WARREN: It's a good point to clarify, your H onor.

20 BY MR. WARREN: 1 1 : 0 2

21 Q. Mr. Collinsworth, the Tier I cash, who managed the Tier I

22 cash?

23 A. Patricia Maldonado.

24 Q. The Tier II money in Memphis, where was that mo ney

25 physically located?1 1 : 0 2


1652

1 A. Europe.1 1 : 0 2

2 Q. And who managed it, who worked at SFG?

3 A. That would be the advisors and -- well, Memphis oversaw it,

4 which was actually the managers in Europe.

5 Q. In Tier III, who oversaw Tier III?1 1 : 0 3

6 A. That would be Laura Pendergest-Holt, James Davi s, Allen

7 Stanford, board of directors/investment committee .

8 Q. And the venture capital that we were talking ab out, this

9 private equity that was in Stanford Venture Capit al Holdings,

10 where would that fit in here, as you understood?1 1 : 0 3

11 A. The way I understood it, that would not fit any wheres

12 inside that.

13 Q. What do you mean? Why wouldn't it fit in here?

14 A. Well, it was called Stanford Venture Capital. I don't know

15 who actually -- I know SFG owned Stanford Venture Capital, but1 1 : 0 3

16 I don't know who ultimately funded Stanford Ventu re Capital.

17 Q. Is it fair to say your understanding of Stanfor d Venture

18 Capital Holdings and that private equity portfoli o was a

19 separate company?

20 A. Correct.1 1 : 0 3

21 Q. Not included anywhere in here?

22 A. Correct.

23 Q. And, Mr. Collinsworth, we were talking about yo ur

24 discussion with Ms. Holt in late 2008. Had you e ver seen

25 Tier III?1 1 : 0 4


1653

1 A. No.1 1 : 0 4

2 Q. Had you ever seen what Tier III included?

3 A. No.

4 Q. Had you ever seen any account statements showin g how much

5 money was actually invested in Tier III?1 1 : 0 4

6 A. No.

7 Q. Did you see that for Tier II?

8 A. Yes.

9 Q. But for Tier III you never saw any account stat ements, you

10 never saw anything like that?1 1 : 0 4

11 A. No.

12 Q. Any summaries like the summary that we looked a t on Friday?

13 A. No.

14 Q. And do you recall the summary we looked at on F riday? Is

15 that -- can you please remind the jury what that was?1 1 : 0 4

16 A. Say again.

17 Q. The Excel spreadsheet?

18 A. The Excel spreadsheet would show -- the master sheet would

19 show the consolidated European money managers.

20 Q. For what tier?1 1 : 0 4

21 A. Tier II.

22 Q. But you never saw anything like that for Tier I II?

23 A. No.

24 Q. So, prior to talking with Ms. Holt in late 2008 after the

25 Madoff Ponzi scheme broke, had you ever seen any of the assets1 1 : 0 5


1654

1 in Tier III?1 1 : 0 5

2 A. None.

3 Q. Now, what did Ms. Holt tell you at first about what those

4 assets included?

5 A. Much earlier --1 1 : 0 5

6 Q. I'm sorry. No. During that time period, Decem ber of 2008.

7 A. Private equity, real estate, some hedge funds.

8 Q. Now, you were explaining to the jury a few minu tes ago

9 why -- how that initially addressed your concerns but a few

10 days later you said it didn't anymore.1 1 : 0 5

11 A. Correct.

12 Q. Explain to the jury why your concerns came up a gain.

13 A. Well, we were sitting there -- Laura was a very good

14 salesperson. She could make you feel very warm a nd fuzzy about

15 stuff. And after we had our initial conversation , I felt, you1 1 : 0 5

16 know, warm and fuzzy about everything.

17 But after another day had passed, my brain, which

18 is kind of geared toward analytics, started to ki ck in; and it

19 was, like, this doesn't make sense. How you can make money in

20 real estate? Real estate is down 50, 60 percent in '08. You1 1 : 0 6

21 can't go out and short real estate. How do you m ake money

22 on --

23 Q. Let me stop you there. Why didn't it make sens e that --

24 what Ms. Holt was telling you about the real esta te in

25 Tier III?1 1 : 0 6


1655

1 A. I don't understand the question.1 1 : 0 6

2 Q. Well, you said it didn't make sense because rea l estate was

3 down 50 to 60 percent in 2008. Why didn't that m ake sense?

4 A. Because how do you make money on real estate go ing down?

5 You really can't short real estate.1 1 : 0 6

6 Q. And what about the rest of the Tier III portfol io --

7 THE COURT: Well, just what is a definition of

8 "short"? You used that term. Everyone may not u nderstand it.

9 THE WITNESS: Oh. "Short" is a way to make money in a

10 market when it goes down.1 1 : 0 6

11 Should I give an example?

12 THE COURT: Yes, please.

13 THE WITNESS: Okay. Let's use, like, Wal-Mart, f or

14 example. Let's say Wal-Mart is trading at $100 a share. You

15 basically sell a hundred shares of Wal-Mart -- yo u don't own1 1 : 0 6

16 the hundred shares of Wal-Mart. You actually sel l someone

17 else's hundred shares, on the assumption you will get their

18 hundred shares back to them at some point in time . So, you

19 sell your hundred shares of Wal-Mart -- or you se ll someone

20 else's hundred shares of Wal-Mart at a hundred do llars a share.1 1 : 0 7

21 That puts $10,000 in your pocket. Wal-Mart stock falls to $90

22 a share. You take that $10,000, you buy a hundre d shares of it

23 back at 90. So, that's $9,000 you put out. You now pocket a

24 thousand dollars and you have returned the origin al hundred

25 shares to the original investor.1 1 : 0 7


1656

1 THE COURT: Everybody understand that or not? So rt1 1 : 0 7

2 of?

3 BY MR. WARREN:

4 Q. Mr. Collinsworth --

5 THE COURT: We see a couple of folks, well, not s o1 1 : 0 7

6 sure.

7 BY MR. WARREN:

8 Q. Mr. Collinsworth, I'm going to go out on a limb and say

9 you're probably the only person who understood th at.

10 THE COURT: I had a couple of nods. Some1 1 : 0 7

11 acknowledgment. Go on.

12 BY MR. WARREN:

13 Q. Mr. Collinsworth, without getting into shorting and the

14 explanation that you did, why didn't it make sens e, what

15 Ms. Holt was telling you about how the Tier III p ortfolio was1 1 : 0 7

16 making money, with what you knew to be the realit y of what was

17 happening in the market?

18 A. It was a total disconnect.

19 Q. She was saying real estate had done --

20 A. That they had done a lot of these real estate d eals, that1 1 : 0 8

21 they actually had real estate investments that ha d gone up in

22 value and they had actually sold those and made m oney --

23 Q. But, in reality, what was happening with the re al estate

24 market?

25 A. Just a total collapse.1 1 : 0 8


1657

1 Q. What about private equity, what was Ms. Holt te lling you1 1 : 0 8

2 about whether they were making money or losing mo ney in private

3 equity?

4 A. She was saying that the valuation of those priv ate equity

5 companies were going up in value.1 1 : 0 8

6 Q. But, in reality, what was your understanding of how private

7 equity was doing at that point in time?

8 A. Well, private equity, the bulk of your private equity

9 companies need some kind of cash flow to come in -- because a

10 startup company, private equity a lot of times --1 1 : 0 8

11 Q. Mr. Collinsworth, I'm sorry. Let me just focus you on the

12 question. Ms. Holt had told you that the private equity was

13 going up?

14 A. That the valuations had gone up, yes.

15 Q. And what was your understanding of what was hap pening in1 1 : 0 8

16 the private equity market? Was it going up or do wn?

17 A. The private equity valuations in the real world were going

18 down.

19 Q. Now, did anyone tell you -- I know we're lookin g at 2007

20 numbers here; but in 2008, did anyone say, "Oh, w ell, the1 1 : 0 9

21 numbers that we reported in our annual report act ually aren't

22 real"?

23 A. No.

24 Q. What was Ms. Holt trying to justify? What was she trying

25 to explain to you in discussing Tier III?1 1 : 0 9


1658

1 A. I think she was just trying to neutralize our c oncerns1 1 : 0 9

2 because it was -- the whole group of analysts had become

3 concerned. I think she was trying to neutralize that concern.

4 Q. What do you mean "neutralize that concern"?

5 A. When all the analysts started asking questions, I think1 1 : 0 9

6 those questions were making her start to feel ext remely

7 uncomfortable.

8 Q. And, again, I know we're talking about 2007 num bers; but do

9 you recall what the year end assets were for 2008 ,

10 approximately, for SIB?1 1 : 0 9

11 A. Eight billion?

12 Q. Was it more or less than seven?

13 A. I think it was probably more.

14 Q. What was the answer you just gave?

15 A. I think 8 billion.1 1 : 0 9

16 Q. Was Ms. Holt telling you that, "No need to worr y. There's

17 $8 billion in assets here"?

18 A. Basically, yes.

19 Q. Did she show you any documents to justify the $ 8 billion in

20 assets?1 1 : 1 0

21 A. No.

22 Q. Did she show you the types of Excel spreadsheet s that we

23 looked at that you kept and that were kept throug h Tier II with

24 regard to Tier III?

25 A. No.1 1 : 1 0


1659

1 Q. Did she show you account statements and say, "L ook, there's1 1 : 1 0

2 no reason to worry. We have our $8 billion in as sets"?

3 A. No.

4 Q. She just told you an explanation?

5 A. Yes.1 1 : 1 0

6 Q. Did you ever have insight into what was in Tier III?

7 A. No.

8 Q. At no point during your time at Stanford?

9 A. No.

10 Q. Mr. Collinsworth, during your 10 years at SFG - - is that1 1 : 1 0

11 right?

12 A. Uh-huh.

13 Q. Where physically were you located except for th e times you

14 were in the fish bowl in Antigua?

15 A. Memphis.1 1 : 1 0

16 Q. Where was Ms. Holt located?

17 A. Memphis predominantly.

18 Q. Where was Mr. Davis?

19 A. Memphis predominantly.

20 Q. Where was Mr. Stanford?1 1 : 1 1

21 A. I do not know.

22 Q. Now, during your 10 years at SFG, did you form an

23 understanding as to the management relationship b etween

24 Mr. Davis and Mr. Stanford?

25 A. Yes.1 1 : 1 1


1660

1 Q. How would you describe that relationship?1 1 : 1 1

2 THE COURT: Pull the mike in a little bit. Just pull

3 it in a little bit. Little more than that. All right.

4 THE WITNESS: Basically he was the --

5 BY MR. WARREN: 1 1 : 1 1

6 Q. Who is he?

7 A. Mr. Stanford, he was the boss. He gave his vis ion and

8 direction of where he wanted things to go; and Mr . Davis was in

9 charge of executing that, those orders.

10 MR. WARREN: Court's indulgence?1 1 : 1 1

11 Pass the witness, your Honor.

12 THE COURT: Okay. We're going to take a break about

13 11:45. We got in about 10:15. That would be an ho ur and a

14 half, 11:45, unless anybody needs to take a break e arlier.

15 Go right ahead.1 1 : 1 2

16 CROSS-EXAMINATION

17 BY MR. FAZEL:

18 Q. Good morning. How are you?

19 A. I'm good.

20 Q. I want to talk to you a little bit about your t estimony and1 1 : 1 2

21 probably go into some other matters, as well. Ok ay?

22 You had testified on direct examination about the

23 length of time that you were at the Stanford comp any,

24 generally.

25 A. Correct.1 1 : 1 2


1661

1 Q. Okay. So, what I want to do is probably paint a picture1 1 : 1 2

2 for the jury as how Stanford was set up, a little bit better,

3 so that any confusion can be eradicated. You wit h me?

4 A. Okay.

5 Q. Okay. Now, we talked a lot about SFG. We talk ed a lot1 1 : 1 2

6 about SVC, all those acronyms, right?

7 And we talked about private equity. Do you

8 remember all that?

9 A. Uh-huh.

10 MR. FAZEL: Can I get a marker whenever you get a1 1 : 1 3

11 chance?

12 BY MR. FAZEL:

13 Q. Let's talk about the structure as you understoo d it when

14 you came onboard. Okay?

15 A. Okay.1 1 : 1 3

16 Q. You were hired by whom?

17 A. Laura Pendergest.

18 Q. Ms. Holt?

19 A. Yes.

20 Q. Okay. And you interviewed with her?1 1 : 1 3

21 A. Yes.

22 Q. And then, after that, you interviewed with Mr. Davis?

23 A. Yes.

24 Q. And then, after that, did you interview with Mr . Stanford?

25 A. No.1 1 : 1 3


1662

1 Q. No. So, the only two people you interviewed wi th was1 1 : 1 3

2 Ms. Holt and Mr. Davis?

3 A. Yes.

4 Q. Okay. Right before he passed you and let me ha ve some

5 questions with you, Mr. Williams talked about the hierarchy of1 1 : 1 3

6 management. Do you remember that? And who was m anaging what

7 and where?

8 THE COURT: Is that Mr. Williams?

9 MR. WARREN: I would object to the mischaracteriz ation

10 of my name, your Honor.1 1 : 1 3

11 THE COURT: "Mr. Warren."

12 MR. FAZEL: Mr. Warren. I'm sorry.

13 THE COURT: Let the record reflect that's accurat e.

14 MR. FAZEL: I stand corrected. Mr. Warren.

15 MR. WARREN: Thank you, your Honor.1 1 : 1 3

16 THE COURT: All right.

17 MR. FAZEL: Mr. Warren. I hope I didn't insult y ou,

18 Mr. Warren.

19 MR. WARREN: No, sir.

20 MR. FAZEL: That's good.1 1 : 1 4

21 BY MR. FAZEL:

22 Q. All right. Right before Mr. Warren handed you to me -- or

23 he was done questioning, he talked about how the Stanford

24 system was set up. Do you remember that?

25 A. Uh-huh.1 1 : 1 4


1663

1 Q. Let's just get this out. Robert Allen Stanford was the1 1 : 1 4

2 owner, a hundred percent shareholder, of most of his companies

3 as you understand it, correct?

4 A. Correct.

5 Q. All right. How many companies do you think in 20081 1 : 1 4

6 Mr. Stanford owned or was involved with?

7 A. Maybe 11, 12.

8 Q. That you are aware of?

9 A. Yes.

10 Q. Okay. Would it surprise you that there's proba bly over a1 1 : 1 4

11 hundred companies that he was involved with? Doe s that

12 surprise you?

13 A. That would surprise me.

14 Q. That does surprise you. Okay.

15 Underneath Mr. Stanford, as far as you're aware1 1 : 1 4

16 in your world -- and I guess let's talk about tha t. Your world

17 was basically in Memphis. Not that there's anyth ing wrong with

18 that; but that's basically what you did for the 1 0 years, plus,

19 that you were there?

20 A. Correct.1 1 : 1 5

21 Q. So, your involvement was just that portion of t he Stanford

22 companies, correct?

23 A. Uh-huh.

24 Q. And there's somebody typing this up, so -- sorr y -- if I

25 can get you to say "yes" or "no."1 1 : 1 5


1664

1 A. Yes. Yes.1 1 : 1 5

2 Q. Thank you.

3 All right. Underneath Mr. Stanford, were people

4 who ran his companies, correct?

5 A. Yes.1 1 : 1 5

6 Q. Okay. So, we've heard a lot about these compan ies. So,

7 let's go over them. There was -- let me switch s ides -- SIBL,

8 correct?

9 A. Correct.

10 Q. That's Stanford International Bank, Limited?1 1 : 1 5

11 A. Uh-huh.

12 Q. There was SGC, correct?

13 A. Correct.

14 Q. And there was -- now we heard about SVC. You w ith me?

15 A. Uh-huh.1 1 : 1 5

16 Q. Okay. Is that a "yes"?

17 A. Yes, that's a "yes."

18 Q. That's all right. I messed up the prosecutor's name.

19 A. Okay.

20 Q. All right. So, who was the president of SIBL?1 1 : 1 6

21 A. I think that was Juan Rodriguez --

22 Q. Tarantino?

23 A. Yeah, Juan Rodriguez Tarantino or something?

24 Q. Let's call him "JRT." He was the president, ri ght?

25 A. Yes.1 1 : 1 6


1665

1 Q. Okay. So, everybody at SIBL reported to him, c orrect?1 1 : 1 6

2 A. Correct.

3 Q. All right. Who was the president of SGC?

4 A. I think that was Danny Bogar.

5 Q. Bogar, Danny?1 1 : 1 6

6 A. Danny Bogar.

7 Q. Call him "DB." Everybody in SGC reported to hi m, correct?

8 A. Uh-huh.

9 Q. This is backwards. I guess Danny should be on top. But

10 everybody reported to Danny Bogar, correct?1 1 : 1 6

11 A. Uh-huh.

12 Q. Who was the president of SVC?

13 A. I think that might have been Rocky Stein.

14 Q. Okay. And then everybody reported to Mr. Stein , correct?

15 A. Correct.1 1 : 1 7

16 Q. Okay. Now, Mr. Davis, he was the CFO of SIBL, correct?

17 A. Correct.

18 Q. Okay. Was he also the CFO of SGC?

19 A. I don't believe so.

20 Q. What about SVC?1 1 : 1 7


22 Q. So, he was -- his involvement was major in SIBL , correct?

23 A. Correct.

24 Q. Okay. And what's interesting also is that at M emphis,

25 where you worked, the day-to-day activity of Memp his was run by1 1 : 1 7


1666

1 whom?1 1 : 1 7

2 A. You talking, like, the top of the umbrella?

3 Q. Yes.

4 A. Mr. Davis.

5 Q. Mr. Davis. All questions, all inquiries, all m atters1 1 : 1 7

6 relating to the day-to-day activity of SIBL was s ent to?

7 A. Mr. Davis.

8 Q. Mr. Davis. All right. Ms. Laura Pendergest-Ho lt reported

9 to who?

10 A. Mr. Davis.1 1 : 1 8

11 Q. Who made the decisions as to investments? Who was the

12 final decision maker as to what investments were made by SIBL,

13 that you saw, on a day-to-day basis?

14 A. That would be Mr. Davis.

15 Q. Mr. Davis. All right. So, but this right here is just a1 1 : 1 8

16 small portion of what Mr. Stanford was doing, cor rect?

17 A. Correct.

18 Q. For example, there's a bank in Panama, correct?

19 A. Uh-huh.

20 Q. And you're aware of that, correct?1 1 : 1 8

21 A. Correct.

22 Q. Did you actually do some investments for the ba nk in

23 Panama?

24 A. I did have a small BOA portfolio -- BOP.

25 Q. BOP?1 1 : 1 8


1667

1 A. Yes.1 1 : 1 8

2 Q. That stands for Bank of Panama?

3 A. Correct.

4 Q. Was Bank of Panama in Tier II?

5 A. I don't think so.1 1 : 1 8

6 Q. You don't think so. So, would it be fair to sa y that you

7 had your hands on certain parts of the pie but yo u're not

8 exactly sure how the entire pie was put together? Would that

9 be fair to say?

10 A. That would be correct.1 1 : 1 9

11 Q. Okay. Because you were investing in, for examp le, bank --

12 you were doing investments for the Bank of Panama ; but the Bank

13 of Panama wasn't in Tier II, was it?

14 A. I don't think so, no.

15 Q. Okay. What about the Bank of Venezuela; was th at in1 1 : 1 9

16 Tier II?

17 A. I don't think so.

18 Q. Were people doing investments for the Bank of V enezuela?

19 A. Uh-huh, I think so.

20 Q. Okay. So, even further out, there are other ba nks here1 1 : 1 9

21 with -- I'm sorry. I do it, too. "Yes"?

22 A. Yes. Yes. Yes.

23 Q. And these other banks were ran by other people, not

24 Mr. Stanford, but other presidents?

25 A. Correct.1 1 : 1 9


1668

1 Q. And they reported to the hierarchy as it was se t out by the1 1 : 1 9

2 Stanford companies?

3 A. Correct.

4 Q. Okay. Now, at the very beginning when you star ted talking

5 on Friday, when Mr. Warren and you were having a conversation,1 1 : 1 9

6 you were talking about liquidity. Do you remembe r that

7 "liquidity" term coming up?

8 A. Uh-huh.

9 Q. "Yes"?

10 A. Yes, yes, yes.1 1 : 2 0

11 Q. Sorry. I do it, too.

12 A. Okay.

13 Q. And do you remember that you talked about liqui dity being

14 trade plus three days and so forth?

15 A. Yes.1 1 : 2 0

16 Q. Okay. Now, I don't have anywhere near the educ ation you do

17 in financial matters. Okay? But tell me if I'm correct about

18 this. "Liquidity ratio," are you familiar with t hat term?

19 A. Correct, I am.

20 Q. Okay. Correct me if I'm wrong, that is current assets1 1 : 2 0

21 divided by current liabilities. Is that correct?

22 A. The current ratio.

23 Q. That's correct, liquidity ratio is current asse ts divided

24 by current liabilities.

25 A. Yeah. Also known as current ratio.1 1 : 2 1


1669

1 Q. Current ratio, you agree with that?1 1 : 2 1

2 A. Yes.

3 Q. Okay. Perfect. Now, would you agree with me t hat real

4 estate which is set to close within a one year's period would

5 be considered a current asset?1 1 : 2 1

6 A. No, it's not.

7 Q. You don't agree with that?

8 A. Real estate is not part of current assets.

9 Q. Well, let me ask it this way. Would you agree with me that

10 any asset -- for example, like real estate -- tha t is set to1 1 : 2 1

11 close within a one-year period that, as you know, the contract

12 is set, money is coming in, is considered as a cu rrent asset?

13 A. Well, that is correct, the definition of a "cur rent asset"

14 is anything that matures in less than one year.

15 Q. In one year or less?1 1 : 2 2

16 A. Yes.

17 Q. Okay. When you say "T plus three," or "trade p lus three,"

18 you're right; that is a current asset, I agree wi th you.

19 But the broad definition of "current assets" is

20 anything that is liquid within one year or less, fair?1 1 : 2 2

21 A. Correct, that's fair.

22 Q. Okay. To give a better example for folks that run into

23 this very often, let's say you own a home.

24 A. Uh-huh.

25 Q. You with me?1 1 : 2 2


1670

1 A. I'm with you.1 1 : 2 2

2 Q. And then you go to the bank and you say, you kn ow, "I want

3 to take a equity loan on that house. I want to t ake out a loan

4 against the equity of the house.

5 A. Okay.1 1 : 2 2

6 Q. You with me?

7 A. I'm with you.

8 Q. And the bank says, "Great. Fill out these form s. Boom,

9 here's $100,000; boom, here's $200,000." Now, th at asset, that

10 money, has turned into a current asset because th e money is1 1 : 2 2

11 there for you now, correct?

12 A. That would be correct.

13 Q. Okay. So, these definitions, just like anythin g else in

14 finances, it's something that -- it depends on th e

15 circumstances. As things change, as matters chan ge, assets1 1 : 2 2

16 that were not current sometimes become current an d so forth.

17 Would you agree with that?

18 A. Yes, I would agree.

19 THE COURT: Are you saying for the purpose of

20 accounting or reality or what?1 1 : 2 3

21 MR. FAZEL: Well, reality. Reality. Not just

22 accounting, but just in general.

23 BY MR. FAZEL:

24 Q. Because, Mr. Collinsworth, you're not an accoun tant; you're

25 a financial guy, right?1 1 : 2 3


1671

1 A. Right.1 1 : 2 3

2 Q. And accountants, God knows, they've got all sor ts of

3 definitions for things. I wouldn't torture you w ith that.

4 MR. FAZEL: No offense if there's any accountants .

5 BY MR. FAZEL: 1 1 : 2 3

6 Q. But my point is that, just like anything else i n life,

7 there's some absolutes but everything tends to be dynamic,

8 everything changes. And some assets sometimes th at are not

9 current become current, depending on the circumst ances,

10 correct?1 1 : 2 3

11 A. That would be correct, yes.

12 Q. All right. Let's talk about tier systems. Is there

13 anything illegal, fraudulent, about having tier s ystems in a

14 company, Tier I, Tier II, or Tier III?

15 A. Most all your major banks have that same system .1 1 : 2 4

16 Q. So, the tier system, the theory, the word "tier " is

17 actually something that's used in banking, correc t?

18 A. Correct.

19 Q. Okay. Now, and every institution defines it a little

20 differently. It's subject to some definitional c hanges. But1 1 : 2 4

21 the term "tier" is something that's used in banki ng all the

22 time?

23 A. Correct.

24 Q. Okay. All right. Now, is there anything illeg al or funny

25 or unusual, in your mind, to have a tier that's l iquid in1 1 : 2 4


1672

1 nature, that is pure liquid, that is cash in natu re? Is there1 1 : 2 4

2 anything weird about that?

3 A. No.

4 Q. Okay. Let's talk about banks. Bank of Fazel, my bank.

5 Okay?1 1 : 2 5

6 A. Okay.

7 Q. All right. Let's assume it's just a regular co mmercial

8 bank.

9 A. Okay.

10 Q. Like Bank of Antigua --1 1 : 2 5

11 A. Okay.

12 Q. -- was a commercial bank, correct?

13 A. Correct.

14 Q. That was another institution that was held and owned by

15 Mr. Stanford, correct?1 1 : 2 5

16 A. Correct.

17 Q. All right. You come in and deposit my money -- excuse

18 me -- your money into my bank. Would you agree w ith me that

19 that money is then pooled with all the other moni es coming into

20 the bank, correct?1 1 : 2 5

21 A. That's correct.

22 Q. So, when I deposit money into the bank and then I withdraw

23 the money, it's not -- you don't keep -- the bank doesn't keep

24 my money separately from everybody else's, does i t?

25 A. No.1 1 : 2 6


1673

1 Q. It pools it together?1 1 : 2 6

2 A. Correct.

3 Q. And so -- and the idea is then that money is th en used by

4 the bank, correct?

5 A. Correct.1 1 : 2 6

6 Q. Anything illegal about that?

7 A. No.

8 Q. Anything fraudulent about that?

9 A. No.

10 Q. So, the pooling of money, your money and everyb ody else's1 1 : 2 6

11 money, the jury's money, everybody's money into t he bank,

12 there's nothing illegal about that, is it?

13 A. No.

14 Q. It's not like the bank is supposed to keep each

15 individual's money in trust for anybody. That's a different1 1 : 2 6

16 story, correct?

17 A. Correct.

18 Q. You understand what I mean by "trust"?

19 A. Oh, yes.

20 Q. That is, your money is singled out, put into a separate1 1 : 2 6

21 situation and nobody can touch it, right?

22 A. Yes.

23 Q. That's not how a bank works, correct?

24 A. That is correct.

25 Q. All right. So, there's -- and Tier I is suppos ed to be1 1 : 2 6


1674

1 liquid assets, correct?1 1 : 2 6

2 A. Correct.

3 Q. That's not just in Mr. Stanford's bank; it's in any bank,

4 correct?

5 A. That's correct.1 1 : 2 6

6 Q. Okay. And the idea here is there's got to be s ome

7 percentage of money that's just pure cash so that , as you

8 deposit money, let's say somebody else comes in a nd withdraws

9 that money; and so there's money to get withdrawn if

10 withdrawals are necessary?1 1 : 2 7


12 Q. Is there anything illegal about that?

13 A. No.


15 A. No.1 1 : 2 7

16 Q. Is that something that's regularly done within practices of

17 most banks?

18 A. That is.

19 Q. Is that your understanding of what Tier I was f or SIBL?

20 A. That is correct.1 1 : 2 7

21 Q. You got any problems with Tier I in SIBL?

22 A. No. It's cash.

23 Q. Okay. Is there anything unusual about having t he treasurer

24 of the institution -- or of institutions, Ms. Mal donado, having

25 control of Tier I?1 1 : 2 7


1675

1 A. No.1 1 : 2 7

2 Q. I mean, after all, the treasurer is the person that moves

3 money around, correct?

4 A. Correct.

5 Q. I mean, if you go to Exxon, Exxon doesn't have just one1 1 : 2 7

6 company; it has multiple, multiple companies, cor rect?

7 A. Correct.

8 Q. All under the Exxon umbrella?

9 A. Correct.

10 Q. All over the world?1 1 : 2 8

11 A. Correct.

12 Q. And monies are necessary to move from one place to another

13 to be able to cover whatever Exxon needs for that specific time

14 for that part of the world, correct?

15 A. Correct.1 1 : 2 8

16 Q. And a treasurer's job is to do exactly that. I s that

17 correct?

18 A. That would be correct.

19 Q. And is there anything untoward or illegal about that?

20 A. No.1 1 : 2 8


22 A. No.

23 Q. Okay. Now, Mr. Warren talked about this tracki ng report.

24 Do you remember talking about that?

25 A. I do.1 1 : 2 8


1676

1 MR. FAZEL: Am I the only one with allergies?1 1 : 2 8

2 BY MR. FAZEL:

3 Q. The tracking report that we talked about on Fri day --

4 A. Yes.

5 Q. -- do you remember that?1 1 : 2 9

6 A. Yes.

7 Q. That tracking report was a conglomeration of so me of the

8 analysts in Memphis putting their matters togethe r; and it was

9 put together in one report, correct?

10 A. Correct.1 1 : 2 9

11 Q. And your portion of it was just a portion of wh at you were

12 looking at. Does that make sense?

13 A. Yes.

14 Q. Your part of it was just one part of the whole report,

15 correct?1 1 : 2 9

16 A. Correct.

17 Q. You didn't keep track of everybody else's porti on; you just

18 kept track of your part of it?

19 A. Correct.

20 Q. Okay. Anything illegal about that?1 1 : 2 9

21 A. No.

22 Q. Anything unusual about that?

23 A. No.

24 Q. Now, you also discussed with Mr. Warren some nu mbers for

25 SIBL, SGC, and other companies. Do you remember talking about1 1 : 2 9


1677

1 those?1 1 : 3 0

2 A. Uh-huh.

3 Q. All right. If you don't know, you don't know. It's fair.

4 Okay?

5 A. Okay.1 1 : 3 0

6 Q. Were you aware that SIBL had a total of $7.9 bi llion of CD

7 deposits in 2008, about September of 2008? Were you aware of

8 that?

9 A. No.

10 Q. No. SGC was the broker/dealer, correct?1 1 : 3 1

11 A. SGC? Yes.

12 Q. Were you aware in September 2008 that SGC had a bout

13 $7.5 billion of assets under its management? Wer e you aware of

14 that?

15 A. No.1 1 : 3 1

16 Q. Do you know what BOA stands for?

17 A. Bank of Antigua.

18 Q. And, then, BAV would be Bank of Venezuela, fair enough?

19 A. Yes.

20 Q. And then Bank of Panama. You with me?1 1 : 3 1

21 A. Yes.

22 Q. All right. Were you aware that they had about $533 million

23 in assets in September of 2008?

24 A. No.

25 Q. Okay. We add all these numbers up, that's abou t six --1 1 : 3 1


1678

1 $16 billion in assets, correct?1 1 : 3 1

2 A. Correct.

3 Q. All right. Were you aware there's an additiona l

4 $31 billion, $31 billion in assets under manageme nt in SGC?

5 A. No.1 1 : 3 2

6 Q. You weren't aware of that?

7 A. No.

8 Q. So, if you add 31 to 16, you would get approxim ately

9 $48 billion. Would you agree with that?

10 A. I agree with that, yes.1 1 : 3 2

11 Q. And of that, the CD program of SIBL is approxim ately

12 14 percent. Would you agree with that calculatio n?

13 A. That looks correct.

14 MR. FAZEL: May I have a moment, your Honor?

15 THE COURT: Yes.1 1 : 3 3

16 BY MR. FAZEL:

17 Q. So, we're clear about this, these are all depos its into

18 these companies. Are you with me on that?

19 A. Yes.

20 Q. And if you don't know, you don't know. Okay?1 1 : 3 3

21 A. I'm following what you are saying, yes.

22 Q. Okay. And the 31 billion is assets under manag ement. You

23 with me?

24 A. I'm with you.

25 Q. So, there's a total of $48 billion in assets un der1 1 : 3 3


1679

1 management. You with me?1 1 : 3 3

2 A. I'm tracking you.

3 Q. And that's only 14 percent in CDs, correct?

4 A. I'm with you, yeah.

5 Q. All right. While you were at Stanford, you wor ked on all1 1 : 3 3

6 sorts of projects, I understand, correct?

7 A. Uh-huh.

8 Q. And one of it was the Double Eagle project, cor rect? Did

9 you work on Double Eagle?

10 A. I did not work on Double Eagle. I worked on Tr iple Eagle.1 1 : 3 4

11 Q. You worked on Triple Eagle, that's correct. Wh at's Triple

12 Eagle?

13 A. Triple Eagle was the same as Double Eagle but w ith stocks

14 versus commodities.

15 Q. So just tell me -- and remember, me personally, I'm not a1 1 : 3 4

16 financial guy. So, kind of slowly, if you will, tell us what

17 the goal with Triple Eagle was.

18 A. It was basically to design a computer program t hat would

19 select stocks on fundamental reasons -- you know, low PE's,

20 positive cash flows --1 1 : 3 4

21 THE COURT: PE's?

22 THE WITNESS: Price to earnings multiple. It's a

23 valuation tool for stocks.

24 -- and let the program run and select stocks,

25 which would remove human emotion from stock selec tion.1 1 : 3 5


1680

1 BY MR. FAZEL: 1 1 : 3 5


3 A. No.


5 A. No.1 1 : 3 5

6 Q. It is an attempt to get together and get a bunc h of people

7 together and figure out how we can earn money and create wealth

8 for the company?

9 A. Correct.

10 Q. Did you receive in March 2008 an e-mail from Ms . Holt?1 1 : 3 5

11 A. I received a lot of e-mail. Could you jog my m emory a

12 little more?

13 Q. Sure. Was there an e-mail regarding -- was the re an e-mail

14 chain from Mr. Davis to Ms. Holt and then from Ms . Holt to you

15 regarding SIM in 2008?1 1 : 3 5

16 A. Yes.

17 Q. Okay. Now, SIM, what was SIM?

18 A. That was the Stanford Investment Model.

19 Q. Okay. And were Ms. Holt and Mr. Davis, were th ey working

20 on that Stanford Investment Model?1 1 : 3 5

21 A. Correct, yes.

22 Q. Do you remember in March of 2008 if there was a n issue with

23 them reporting matters to Mr. Stanford?

24 A. Yes.

25 Q. Could you tell us what that was?1 1 : 3 6


1681

1 A. You want the full story?1 1 : 3 6

2 Q. Well, yes, I do, actually. So let's take it a step at a

3 time. Tell us -- just briefly tell us what SIM i s.

4 A. It's the Stanford Investment Model. It was bas ically an

5 asset allocation model for clients, for allocatio ns to stocks,1 1 : 3 6

6 bonds, mutual funds, hedge funds, gold, real esta te, things of

7 that nature.

8 Q. Okay. Anything unusual or fraudulent about tha t?

9 A. No. Almost every brokerage firm has a similar program.

10 Q. Now, what was it that Mr. Stanford had asked Mr . Davis or1 1 : 3 6

11 Ms. Holt to undertake; and tell us about that e-m ail chain that

12 we're talking about now.

13 A. I'm kind of lost. Can you be a little more spe cific?

14 Q. Sure.

15 THE COURT: Concerning what?1 1 : 3 6

16 BY MR. FAZEL:

17 Q. Was there some point in time that Mr. Stanford wanted

18 numbers from Ms. Holt and Mr. Davis regarding how well SIM was

19 doing?

20 A. Yes.1 1 : 3 7

21 Q. Okay. Tell us a little bit about what he wante d to know

22 from them.

23 A. He wanted to know -- I understand he wanted to know what

24 the return numbers were for SIM for that first qu arter of 2008.

25 Q. Okay. So, you were aware, directly aware, that there was1 1 : 3 7


1682

1 some conversation between Ms. Holt, Mr. Davis, an d Mr. Stanford1 1 : 3 7

2 where Mr. Stanford is saying, "Hey, I need some r eturns on SIM.

3 What's going on with SIM?" Would that be about f air?

4 A. That would be fair.

5 Q. Okay. Tell us what happened when he made that inquiry of1 1 : 3 7

6 Ms. Holt and Mr. Davis. What were they worried a bout?

7 A. Well, at that time I think on the -- SIM was -- you know,

8 the market, of course, was down 6 or 7 percent. I think SIM

9 was down maybe, like, 3 percent, still down but b etter than the

10 market. They wanted those numbers to be positive , to show to1 1 : 3 7

11 Mr. Stanford.

12 Q. Okay. Let's talk about that. So, we have Mr. Stanford

13 inquiring of their high -- of his higher level ma nagement that,

14 "Tell me how SIM is doing," correct?

15 A. Correct.1 1 : 3 8

16 Q. Which leads you to believe that he did not know how SIM was

17 doing and he was asking how is SIM doing. Would that be fair?

18 A. Correct.

19 Q. And what is it that they wanted you to do?

20 A. They basically wanted me to change numbers from being1 1 : 3 8

21 negative to positive.

22 THE COURT: Who was that specifically that asked you

23 to do that?

24 THE WITNESS: That would be Laura Pendergest and

25 Mr. Davis.1 1 : 3 8


1683

1 BY MR. FAZEL: 1 1 : 3 8

2 Q. They asked you to actually change the numbers t o positive

3 from negative?

4 A. Well, yes. There's a story that goes with it, if you want

5 the story.1 1 : 3 8

6 Q. Tell us the story.

7 THE COURT: A short story.


9 MR. FAZEL: Judge, I want this whole story.

10 BY MR. FAZEL: 1 1 : 3 8

11 Q. Tell us the story.

12 A. Well, on SIM, I wrote a research report about t he general

13 economy, giving an economic forecast. I sent tha t to Laura and

14 was --

15 Q. Ms. Holt?1 1 : 3 8

16 A. Ms. Holt. We were in St. Croix at the time. I was at

17 dinner with Zack Davis, Mr. Davis' son, and Tal U ke [phonetic],

18 who is one of my analysts.

19 Q. Let me stop here. Does Zack Davis actually wor k for

20 Mr. Davis?1 1 : 3 8

21 A. No.

22 Q. What did Zack Davis do?

23 A. He was one of the analysts under me.

24 Q. Under you?

25 A. Yes.1 1 : 3 9


1684

1 Q. But eventually you go up the food chain and Mr. Davis was1 1 : 3 9

2 up there, correct?

3 A. Correct.

4 Q. So, he did somehow work for Mr. Davis; he just reported to

5 you first?1 1 : 3 9

6 A. Correct.

7 Q. Okay. Continue, please.

8 A. And so, Laura had come up to me in a restaurant and she

9 said, "Have you seen this e-mail?"

10 And I was like, "No."1 1 : 3 9

11 She showed it to me on her iPhone and said, "I'm

12 going to forward it to you," and says to make the numbers

13 positive.

14 When she first said that, I thought she was

15 referring to the article, that she wanted the art icle to have1 1 : 3 9

16 more of a positive tilt on the economy.

17 Q. So, you were at a dinner. Ms. Holt comes up to you and

18 says, "Have you seen this e-mail?"

19 You're like, "No."

20 She says, "I'm going to forward it to you, but I1 1 : 3 9

21 want you to make the numbers positive."

22 A. Correct.

23 Q. Okay. Continue.

24 A. Well, when she said that, of course, I think sh e's

25 referring to the research report that I have writ ten on the1 1 : 3 9


1685

1 economy. Of course, when she walks away, that's when Tal1 1 : 3 9

2 [phonetic] and Zack Davis get all in an uproar, l ike, "Mark,

3 don't change the numbers, don't change the number s."

4 I told them, "Obviously, she doesn't mean that

5 because she must be referring to the article beca use surely she1 1 : 3 9

6 wouldn't ask me to turn negative numbers to posit ive numbers."

7 THE COURT: Slow down.


9 "Surely she wouldn't ask me to change negative

10 numbers to positive numbers. She has to be refer ring to the1 1 : 4 0

11 research report." So --

12 BY MR. FAZEL:

13 Q. So, they thought that they wanted -- that she - - clearly,

14 to them, she wanted you to change numbers from ne gative to

15 positive to tell Mr. Stanford. 1 1 : 4 0

16 And you're, like, "No, surely, she doesn't want

17 me to do that," correct?

18 A. Correct.

19 Q. Tell us what happened after that.

20 A. Well, I go back to my room and I actually read the research1 1 : 4 0

21 report. And the research report wasn't -- it was n't that -- it

22 wasn't negative. It was just a factual research report on what

23 was going on in the global economy, what GDP numb ers were, what

24 inflation numbers were. At that point I'm starti ng to think

25 maybe she really does want me to change negative numbers to1 1 : 4 0


1686

1 positive numbers.1 1 : 4 0

2 Q. What did you do to clarify what exactly she wan ted you to

3 do?

4 A. Well, Mr. Stanford was coming in the next day a nd -- well,

5 to be honest, I just sat there just hoping Mr. St anford wasn't1 1 : 4 0

6 going to ask me, because I was going to tell him the truth.

7 So --

8 Q. And did you attend the meeting?

9 A. I was at the meeting.

10 Q. Did you ever change the numbers?1 1 : 4 0

11 A. No.

12 Q. To your knowledge, were numbers changed?


14 Q. Did Mr. Stanford ever ask you about the numbers at this

15 meeting?1 1 : 4 1

16 A. Mr. Stanford never asked me.

17 Q. How did you feel after Mr. Stanford didn't ask you the

18 questions?

19 A. Very relieved.

20 Q. Because you didn't want to lie to Mr. Stanford?1 1 : 4 1

21 A. I was not going to lie to the owner of the comp any.

22 Q. I understand. In your mind, it's very clear, t hough, that

23 Ms. Holt and Mr. Davis asked you to change the nu mbers from

24 positive to negative; you're clear about that?

25 A. Correct. Yes.1 1 : 4 1


1687

1 I'd like to see the e-mail again to jog my1 1 : 4 1

2 memory, but yes.

3 Q. Does that help jog your memory?

4 A. Yes, it does.

5 Q. Would you tell the jury, was it correct and acc urate?1 1 : 4 2

6 A. Correct.

7 Q. Does that e-mail reflect what you just describe d to the

8 jury?

9 A. Correct.

10 MR. FAZEL: Okay. Your Honor, at this time I wou ld1 1 : 4 2

11 ask to have this e-mail exhibit introduced into e vidence. It

12 would be Defense Exhibit 7-4, after tendering to counsel for

13 any objections.

14 MR. WARREN: None, your Honor.

15 THE COURT: Okay. Defense 7-4 is admitted into1 1 : 4 2

16 evidence.

17 BY MR. FAZEL:

18 Q. Okay. Guide us through this e-mail, would you, please,

19 Mr. Collinsworth, and tell us where --

20 THE COURT: I tell you what, if you want to, if y ou're1 1 : 4 2

21 going into that e-mail -- it looks lengthy. It's now about

22 11:43. If you want to take a break at this time --

23 MR. FAZEL: Sure.

24 THE COURT: -- we can pick back up right here.

25 All right. Ladies and gentlemen, let's take a1 1 : 4 3


1688

1 15-minute break. We'll see you back, ready to re sume, right at1 1 : 4 3

2 12:00 noon. We'll see you at that time.

3 (Recess was taken)

4 (Jury present)

5 THE COURT: Thank you. Be seated. 1 2 : 0 6

6 Go right ahead.

7 MR. FAZEL: Yes, sir.

8 BY MR. FAZEL:

9 Q. Mr. Collinsworth, when we first -- when we last left off,

10 we were talking about this e-mail that you looked at. And it's1 2 : 0 6

11 Defense Exhibit 7-4, if I could pull it up.

12 Do you see it in front of you?

13 A. I do.

14 Q. Okay. My understanding is that there's a chain of e-mails,

15 one -- beginning with Mr. Stanford e-mailing Mr. Holt -- excuse1 2 : 0 6

16 me -- Ms. Holt or Mr. Davis, asking for numbers, and

17 culminating in this e-mail. Is that the way you remember it?

18 A. Basically, yeah.

19 Q. Okay. Tell us exactly what was -- what's going on here,

20 what is this --1 2 : 0 6

21 THE COURT: Well, look at the date first. March 25th,

22 2008, correct?


24 THE COURT: All right. Go on.

25 BY MR. FAZEL: 1 2 : 0 6


1689

1 Q. On that specific date, you were asked to do wha t?1 2 : 0 6

2 A. Well, this was for the reporting numbers on -- the tracking

3 numbers for SIM. And I had written this article, as you see

4 below, talking about the outlook for the stock ma rket, gold,

5 just a general market commentary.1 2 : 0 7

6 THE COURT: Where was it written for? You say

7 "article." In-house or --

8 THE WITNESS: It was written for the SIM publicat ion.

9 THE COURT: In-house?

10 THE WITNESS: I don't know if it went out --1 2 : 0 7

11 THE COURT: The Stanford -- Stanford people?

12 THE WITNESS: I believe it was written for in-hou se.

13 Once I wrote this, it would go to the group in Ho uston, Jason

14 D'Amato's group. Once it got to his group, I don 't know what

15 they did with it.1 2 : 0 7

16 THE COURT: Okay.

17 BY MR. FAZEL:

18 Q. But SIM was a product that was -- was being dis tributed to

19 clients. That was something that was being pitch ed to clients,

20 correct?1 2 : 0 7

21 A. The SIM strategy?

22 Q. The model was?

23 A. Yes, yes.

24 Q. And this was part of that model, this was part of that

25 criteria that Mr. Stanford apparently -- or they were asking1 2 : 0 7


1690

1 questions about that, correct?1 2 : 0 7

2 A. Correct.

3 Q. And so, you were asked to create a -- or write an article

4 regarding the SIM model, correct?

5 A. Correct.1 2 : 0 8

6 Q. And at that time the market was down generally, correct?

7 A. It was -- yeah, 5, 6 percent at that point.

8 Q. But the SIM model wasn't that bad, compared to the market,

9 correct?

10 A. No. I think it was down only maybe 3, 3 and a half,1 2 : 0 8

11 somewhere in there.

12 Q. Okay. But -- and then Mr. Davis and Ms. Holt w anted you to

13 change the numbers anyways, even though it was do ing better

14 than the market, correct?

15 A. Correct. They wanted to show positive numbers for1 2 : 0 8

16 Mr. Stanford, for whatever reason.

17 Q. And is it your understanding or do you recall t hat they

18 even went as far as trying to find a specific -- and this is

19 being highlighted, "overall SIM needs to be posit ive." Is that

20 what that says?1 2 : 0 8

21 A. Correct.

22 Q. Was it your understanding of the scenario or th e

23 circumstances that they went as far as -- "they" being Ms. Holt

24 and Mr. Davis -- went as far as trying to "find a particular

25 investor that is actually positive," correct?1 2 : 0 8


1691

1 A. I don't know anything about trying to track dow n a specific1 2 : 0 8

2 investor.

3 Q. Okay. Fair enough. Now, there was a chain of these

4 e-mails, beginning with Mr. Stanford, that I migh t come back

5 and talk to you about. Okay?1 2 : 0 9

6 But right now I want to move on to something

7 else. So I might come back and talk to you about this e-mail

8 and the chain. Okay?

9 A. Okay.

10 Q. Now, moving on to Double Eagle, you did not wor k on Double1 2 : 0 9

11 Eagle, correct?


13 Q. But do you know what Double Eagle is?

14 A. I do.

15 Q. Tell us what Double Eagle is.1 2 : 0 9

16 A. Double Eagle was a computer program that was de signed to

17 pick commodities, long and short, currencies, sof t commodities,

18 hard commodities --

19 THE COURT: Give us a definition of the word

20 "commodities," please.1 2 : 0 9

21 THE WITNESS: A "commodity" basically -- basicall y --

22 the basic definition is "anything that you pull o ut of the

23 ground that's food," soybeans, cotton.

24 BY MR. FAZEL:

25 Q. How about oil?1 2 : 0 9


1692

1 A. Oil. Oil comes out of the ground.1 2 : 0 9

2 Q. And then, of course, that movie we all love, or ange juice?

3 A. Orange juice.

4 THE COURT: "Trading Places," do you remember tha t

5 one?1 2 : 0 9

6 BY MR. FAZEL:

7 Q. Those are commodities?

8 A. Correct.

9 Q. And a lot of those happen in Chicago, correct?

10 A. Correct.1 2 : 1 0

11 Q. All right. Now, there's this program that deal t with that,

12 correct? And it was called Double Eagle?

13 A. Correct.

14 THE COURT: Yes, sir.

15 MR. WARREN: Your Honor, I would note this is bey ond1 2 : 1 0

16 the scope of direct; but if counsel wants to spen d his time on

17 this --

18 THE COURT: Of course, the alternative is to call him

19 back later if they felt it's necessary. So, I'm going to give

20 them some leeway. But, correct, it's a correct o bjection.1 2 : 1 0

21 MR. FAZEL: May I proceed, your Honor?

22 THE COURT: Yes, go on.

23 BY MR. FAZEL:

24 Q. Was Mr. Davis involved in this Double Eagle?

25 A. Yes.1 2 : 1 0


1693

1 Q. And did he make representations, to your knowle dge, about1 2 : 1 0

2 his performance on Double Eagle?

3 A. Yes.

4 Q. How about Ms. Holt, was she involved in that?

5 A. Yes.1 2 : 1 0

6 Q. Did they take a sum of money from Mr. Stanford to show him

7 how well this program worked?

8 A. Yes.

9 Q. How much was that sum of money?

10 A. I think it was maybe 50 million.1 2 : 1 0

11 Q. And was there a smaller sum of money at first a nd then a

12 second investment?

13 A. I believe there was a smaller sum of money at t he

14 beginning, yes.

15 Q. Was that about $2 million?1 2 : 1 0

16 A. I don't know the exact number; but, yes, I know it was much

17 smaller than the 50.

18 Q. And then what did they do with that $2 million? What

19 happened to that $2 million?

20 A. They invested it with the commodity traders, an d they1 2 : 1 1

21 basically lost it.

22 Q. Who lost it?

23 A. That would be the guys that were trading the co mmodities,

24 John Adams, Mitchell Clayton, Fred Palimden, that group.

25 THE COURT: Did they lose it on the 2 million or1 2 : 1 1


1694

1 looked good at 2 million so they got a larger amo unt and then1 2 : 1 1

2 it went downhill?

3 THE WITNESS: They lost the 2 million. From my

4 understanding, they lost the 2 million first.

5 THE COURT: But they got another 50 million?1 2 : 1 1


7 BY MR. FAZEL:

8 Q. I'm going to get you there.

9 The 2 million they lost, did they tell

10 Mr. Stanford they lost it?1 2 : 1 1

11 A. No. And the 2 million was not part of the comp uter

12 program. That was just them picking, themselves, no computer

13 program involved.

14 THE COURT: How do you know they didn't tell

15 Mr. Stanford?1 2 : 1 1

16 THE WITNESS: Well, I -- well, I couldn't be a hu ndred

17 percent sure.

18 BY MR. FAZEL:

19 Q. Tell us why you think they didn't tell Mr. Stan ford. Can

20 you tell us what happened? Give us the detail ab out what1 2 : 1 2

21 happened.

22 A. I think what you are referring to, it's a meeti ng that I

23 wasn't actually in. So, I had to hear this from another person

24 that was actually in the meeting.

25 Q. I see.1 2 : 1 2


1695

1 A. From my understanding, what happened is --1 2 : 1 2

2 MR. WARREN: Your Honor, I would object to hearsa y.

3 THE COURT: Sustained.

4 BY MR. FAZEL:

5 Q. At your time at Stanford, did you become aware of1 2 : 1 2

6 information that the $2 million that we were disc ussing was

7 lost?

8 MR. WARREN: Same objection if the source is from

9 hearsay, your Honor.

10 THE COURT: Overruled.1 2 : 1 2

11 BY MR. FAZEL:

12 Q. Did you become aware of the circumstances where

13 Mr. Stanford's $2 million was lost?

14 A. Yes.

15 Q. Were you also -- did you hear Ms. Holt giving a n order1 2 : 1 2

16 saying that, "I don't care where you get that mon ey, but pay

17 Mr. Stanford his $2 million back so he doesn't fi nd out about

18 it"?

19 A. I did not hear --

20 THE COURT: Did you hear it yourself?1 2 : 1 2

21 THE WITNESS: No, I did not.

22 BY MR. FAZEL:

23 Q. When you were there, did you become aware of ci rcumstances

24 where, in fact, that order was given to somebody, to make sure

25 that Mr. Stanford did not know that the $2 millio n was lost?1 2 : 1 2


1696

1 MR. WARREN: Objection to hearsay if she's not --1 2 : 1 2


3 BY MR. FAZEL:

4 Q. To your knowledge, was the $2 million lost?

5 A. Yes.1 2 : 1 3

6 Q. To your knowledge, was Mr. Stanford told $2 mil lion were

7 lost?

8 A. No.

9 MR. WARREN: Same objection.

10 THE COURT: Do you know? Do you know?1 2 : 1 3

11 THE WITNESS: I do not know a hundred percent if he

12 was told or not.

13 THE COURT: Okay.

14 BY MR. FAZEL:

15 Q. Do you remember talking about the venture capit al group?1 2 : 1 3

16 A. Yes.

17 Q. Okay. Let's talk about venture capital group j ust

18 generally and private equity just briefly.

19 A. Okay.

20 Q. Is there something illegal about having private equity?1 2 : 1 3

21 A. No.

22 Q. Is this something that's common in the marketpl ace, private

23 equity?

24 A. Yes.

25 Q. Now, your knowledge of Tier III is -- and it's okay if you1 2 : 1 3


1697

1 know, more or less. Let me know. But your knowl edge of1 2 : 1 3

2 Tier III is very limited, correct?

3 A. Correct.

4 Q. You don't know exactly what was put into Tier I II, correct?

5 A. Correct.1 2 : 1 4

6 THE COURT: So, you -- again, you knew of Triple Eagle

7 but not Double Eagle but you didn't know of Tier III and you

8 knew of Tier II, correct?

9 THE WITNESS: I knew just of Tier II, the Double Eagle

10 project, the Triple Eagle --1 2 : 1 4

11 THE COURT: Is that correct?


13 THE COURT: Okay.

14 BY MR. FAZEL:

15 Q. Let me walk you through this. Okay? Triple Ea gle and1 2 : 1 4

16 Double Eagle are just projects and circumstances that were set

17 up in Stanford to determine how to invest money, correct?

18 A. Correct.

19 Q. Nothing unusual, fraudulent, untoward about tha t?

20 A. Correct.1 2 : 1 4

21 Q. Now, the venture capital group is something com pletely

22 different, correct?

23 A. Correct.

24 Q. Venture capital and private equity kind of go h and in hand,

25 correct?1 2 : 1 4


1698

1 A. Yes.1 2 : 1 4

2 Q. Private equity is any investment in a company, a private

3 company, that is not publicly traded?

4 A. Correct.

5 Q. "Private equity" meaning you take an equity pos ition in a1 2 : 1 4

6 private company?

7 A. Correct.

8 Q. All right. Now, sometimes private equity requi res that you

9 actually invest in the company and take the compa ny over and

10 run it, correct?1 2 : 1 5

11 A. Correct.

12 Q. That's private equity. Sometimes private equit y just

13 simply means you take positions in that company a nd you let the

14 company go and they invest their money and they d o things and

15 then you reap your reward in that, correct?1 2 : 1 5

16 A. Correct.

17 Q. The rates of return on private equity is higher because

18 there is some risk involved in private equity, co rrect?

19 A. Correct.

20 Q. Okay. Anything unusual, illegal, or fraudulent about that?1 2 : 1 5

21 A. No.

22 Q. All right. Now, in order to do private equity or run

23 private equity, you actually obtain monies from o ther investors

24 and you bundle them and then you go make that inv estment,

25 correct?1 2 : 1 5


1699

1 A. Correct.1 2 : 1 5

2 Q. Okay. Is there anything illegal about that?

3 A. No.

4 THE COURT: Basically venture capital, correct?

5 THE WITNESS: Correct.1 2 : 1 5


7 BY MR. FAZEL:

8 Q. All right. So Stanford Venture Capital --

9 THE COURT: Can't see it. Just angle it a little bit

10 this way.1 2 : 1 6

11 MR. FAZEL: Oh, I'm sorry, your Honor.

12 THE COURT: The jury and the witness got to see i t,

13 too.

14 MR. FAZEL: Can you see it, your Honor?

15 THE COURT: I can see.1 2 : 1 6

16 MR. FAZEL: Okay.

17 BY MR. FAZEL:

18 Q. Stanford Venture Capital did two major things, correct?

19 It, number one, invested money in private compani es, right?

20 A. Correct.1 2 : 1 6

21 Q. And it also obtained money from other individua ls, pooled

22 the money, and then invested that money, correct?

23 A. Correct.

24 Q. All right. Now, your knowledge of Tier III, yo u did not

25 invest money for Tier III; but you had heard from time to time1 2 : 1 6


1700

1 what was in Tier III, correct?1 2 : 1 6

2 A. Generally, yes.

3 Q. And you knew that there is some private equity in Tier III,

4 correct?

5 A. Correct.1 2 : 1 6

6 Q. Because remember when you testified on direct, you talked

7 about the fact that you were concerned because re al estate and

8 private equity were not doing so well in 2008 and Laura

9 Pendergest-Holt's explanation of it concerned you , correct?

10 A. Correct.1 2 : 1 7

11 Q. Let's talk about 2008 because you're in this bu siness and

12 you knew exactly how the economy was doing in 200 8, correct?

13 A. Correct.

14 Q. Okay. When you say real estate wasn't doing we ll in 2008,

15 was it all of real estate or was it just US real estate?1 2 : 1 7

16 A. I would say my -- US real estate.

17 Q. Okay. So, international real estate was someth ing

18 completely separate and something that perhaps yo u weren't

19 looking at, correct?

20 A. That would be a true statement, yes.1 2 : 1 7

21 Q. Okay. How about commercial international real estate? You

22 don't have any interest in that and you were not looking at

23 that, correct?


25 Q. So, in 2008, commercial international real esta te might1 2 : 1 7


1701

1 have been doing very well. We just don't know?1 2 : 1 7

2 A. It could have been, yes.

3 Q. Okay. Now, that same international commercial real estate,

4 could there be -- in your financial knowledge, co uld there be

5 companies that issued equity based on their holdi ngs of that1 2 : 1 8

6 commercial international real estate?

7 A. It's a possibility.

8 Q. Can you short those equities?

9 A. Yes.

10 Q. Can you use them as collateral in order to obta in loans1 2 : 1 8

11 from those equities?

12 A. Yes.

13 Q. And if you do so, would that then become a liqu id asset?

14 A. Well, yes.

15 Q. Okay. So, commercial real estate equity, inter national or1 2 : 1 8

16 otherwise, can be put in a position where they ca n become

17 liquid assets, correct?

18 A. Theoretically, yes.

19 Q. Well, theoretically. But, I mean, it's physica lly

20 possible?1 2 : 1 8

21 A. It's possible, yes.

22 Q. Okay. Let's talk about the hiring practices of Mr. Davis

23 and Ms. Holt. Okay?

24 A. Okay.

25 Q. Now, we talked about -- on direct examination, you talked1 2 : 1 9


1702

1 about who worked there. And there were 22 or 23 analysts that1 2 : 1 9

2 worked over there, correct?

3 A. Correct.

4 Q. Okay. Let's put it in perspective for the jury , if you

5 will. Memphis, where you worked, that was run on a day-to-day1 2 : 1 9

6 basis by Mr. Davis, correct?

7 A. Correct.

8 Q. The hiring of the people at Memphis was done by Mr. Davis

9 and Ms. Holt?

10 A. Correct.1 2 : 1 9

11 Q. Okay. How many times do you remember Mr. Stanf ord coming

12 and visiting Memphis?

13 A. I can only remember twice in my career of him b eing in

14 Memphis.

15 Q. Would you agree with me that there's no doubt i n your mind1 2 : 1 9

16 that Memphis was run by Mr. Davis and Ms. Holt?

17 A. That would be a fair statement, yes.

18 Q. All right. So, they were in charge of hiring t he people

19 that were working underneath them?

20 A. Correct.1 2 : 2 0

21 Q. Okay. Who was Mary Grace?

22 A. Mary Grace was a girl they hired for marketing.

23 Q. And how was she related, if at all, to Mr. Davi s?

24 A. I don't know if she was related to Mr. Davis, b ut she was

25 the daughter of one of Mr. Davis' best friends.1 2 : 2 0


1703

1 Q. Did she have any experience in marketing prior to coming1 2 : 2 0

2 onboard at Stanford that you're aware of?

3 A. No. She came straight from college.

4 Q. Do you believe she was hired simply because she was kin to

5 Mr. Davis or kin to a friend of Mr. Davis?1 2 : 2 0

6 A. I believe she was because of the friendship.

7 Q. Okay. Tell me about Jimmy Haley. Do you know him?

8 A. I do.

9 Q. Who was Mr. Haley?

10 A. That was one of Mr. Davis' very, very good frie nds.1 2 : 2 0

11 Q. And how do you know that?

12 A. Just from the way they hung out together at the office.

13 Q. You could tell clearly that there was a close r elationship

14 between the two?

15 A. Yeah. They went to lunch all the time, went to church1 2 : 2 1

16 together, yes.

17 Q. What was Mr. Haley's college background?

18 A. I don't think he finished college.

19 Q. What was Mr. Haley's high school background?

20 A. I don't know. High school.1 2 : 2 1

21 Q. Did he ever -- to your knowledge, did he finish high

22 school?

23 A. I'm not a hundred percent sure, no.

24 Q. There's nothing inherently wrong with not finis hing high

25 school or not going to college, is it?1 2 : 2 1


1704

1 A. No.1 2 : 2 1

2 Q. Not everybody has to do that, correct?

3 A. No.

4 Q. But what was Mr. Haley assigned to do?

5 A. He was assigned to be an analyst for the Middle East.1 2 : 2 1

6 Q. Tell us what that means.

7 A. He stayed up on current events and wrote resear ch reports

8 for Mr. Davis on developments going on in the Mid dle East.

9 Q. Had Mr. Haley ever been to the Middle East?

10 A. Not to my knowledge.1 2 : 2 1

11 Q. Did he ever speak any of the languages in the M iddle East

12 such as Arabic and Farsi, anything like that?

13 A. No.

14 Q. Did he have any specialization or expertise in the Middle

15 East?1 2 : 2 1

16 A. No.

17 Q. What was your opinion of Mr. Haley's ability to be an

18 analyst?

19 A. I don't think he should have been an analyst.

20 Q. Tell us why.1 2 : 2 2

21 A. It's one of those things you either have it or you don't

22 have it. He just couldn't get a grasp of finance , how the

23 markets worked. He was asking questions that -- he was asking

24 questions that any analyst should have known.

25 Q. Can you give us an example, if you recall?1 2 : 2 2


1705

1 A. One time he asked me -- he was writing a resear ch report1 2 : 2 2

2 for Mr. Davis on a stock and he asked me if it wa s better to

3 use the PE multiple or the price to earnings rati o.

4 Q. Why is it unusual, to ask that question?

5 A. Well, because PE ratio and price to earning rat io is the1 2 : 2 2

6 same thing. It's just the definition versus the initials.

7 Q. So, what you are saying is that he had a comple te lack, in

8 your opinion, of knowledge of anything that had t o do with what

9 he was hired to do?

10 A. Correct.1 2 : 2 2

11 Q. Tell us about Wade McGee.

12 A. That was one of the commodity analysts.

13 Q. Let me back up. Who hired Jimmy Haley?

14 A. I think that would have been Mr. Davis.

15 Q. And who hired Mary Grace?1 2 : 2 3

16 A. I think that was Mr. Davis also.

17 Q. Who hired Wade McGee?

18 A. Laura.

19 Q. Ms. Pendergest-Holt?

20 A. Yes.1 2 : 2 3

21 Q. Who was Mr. Wade McGee? How was he related to Mr. Davis?

22 A. He wasn't related. He got the job because he w orked on

23 Mr. Davis' farm.

24 Q. What did he do for Mr. Davis' farm?

25 A. I think he built fences, took care of cows.1 2 : 2 3


1706

1 Q. And so, he was hired to do what?1 2 : 2 3

2 A. To trade commodities.

3 Q. Again, there's nothing wrong with working at a farm?

4 A. No.

5 Q. Again, nothing wrong with that. It's a fair wa y to earn a1 2 : 2 3

6 living. There's nothing wrong with that, is ther e?

7 A. No.

8 Q. But what experience did he have, if you know, a bout

9 commodities, trading, or the financial industry?

10 A. None.1 2 : 2 3

11 Q. And what was your opinion of Mr. McGee's capabi lities as a

12 research analyst?

13 A. He was catching on. He was catching on fairly quickly.

14 Q. So, he was being trained as he went?

15 A. Correct.1 2 : 2 4

16 Q. Again, he was hired by whom?

17 A. Pendergest-Holt.

18 Q. And he was hired because he did what?

19 A. He worked on a farm.

20 Q. Okay. For?1 2 : 2 4

21 A. Mr. Davis.

22 Q. Now, are you familiar with -- you've talked abo ut her a

23 lot, Ms. Pendergest-Holt. You're familiar with h er, right?

24 A. Yes.

25 Q. Laura Pendergest-Holt?1 2 : 2 4


1707

1 A. Yes.1 2 : 2 4

2 Q. Did she at some point in get married and her na me changed,

3 right?

4 A. Yes, she was married twice.

5 Q. Okay. Did she at some point in time begin to i nvest money1 2 : 2 4

6 with her husband's company -- one of her husband' s companies?

7 I'm sorry.

8 A. The -- Jim Holt's hedge fund.

9 Q. Okay. What was it called again?

10 A. I can't remember the name of it, but I know her husband1 2 : 2 4

11 actually ran a hedge fund.

12 Q. What was the name of the hedge fund, if you rem ember? It's

13 okay if not.

14 A. I don't remember the name.

15 Q. Tell us your understanding how that came into e ffect.1 2 : 2 5

16 A. She allocated money to him. That's basically a ll I know

17 about it.

18 Q. Okay. And what was your opinion of his underst anding of

19 the market and his understanding of finances gene rally?

20 A. Not a hedge fund manager, in my opinion.1 2 : 2 5

21 Q. Okay. Tell us what he did before he became a h edge fund

22 manager.

23 A. He was a personal trainer.

24 Q. And who was he a personal trainer for?

25 A. Laura Pendergest.1 2 : 2 5


1708

1 Q. And so, he is a personal trainer for Laura Pend ergest-Holt1 2 : 2 5

2 and he marries her and suddenly now he's running the hedge

3 fund?

4 A. I think he was running the hedge fund before th at, but he

5 was getting money from Laura after he got married .1 2 : 2 5

6 Q. I see. Why do you say that he had no knowledge or was not

7 a hedge fund manager in your opinion? What cause d you to have

8 that opinion? Did you have interaction with him that caused

9 you to have that opinion?

10 A. Kind of, yes.1 2 : 2 5

11 Q. Can you tell us about that interaction?

12 A. Yeah. When Laura told me that she was dating a hedge fund

13 manager -- and I was actually looking forward to the chance to

14 meet him in Antigua. He came down to Antigua to visit. Since

15 I follow stocks and I basically do the same thing s as a hedge1 2 : 2 5

16 fund manager, I was kind of excited to talk to so mebody that

17 was -- you know, basically talk shop with somebod y that did the

18 same thing I did.

19 And I noticed when I started asking questions

20 about things that he was doing in his hedge fund, positions1 2 : 2 5

21 that he was buying, he didn't want to carry on a conversation

22 with me. He tried very hard to avoid talking abo ut stocks or

23 anything that he was doing, which is abnormal bec ause you put

24 me in front of a hedge fund manager that does thi s, like David

25 Einhorn or something, I'll spend six hours talkin g about one1 2 : 2 5


1709

1 stock. He just avoided the questions.1 2 : 2 5

2 Q. And what was your opinion after you had the con versation

3 with him? Did you think that he was a knowledgea ble person or

4 not a knowledgeable person?

5 A. Not about running a hedge fund. 1 2 : 2 5

6 Q. Was Ms. Pendergest-Holt obtaining any benefits by giving

7 him money to invest?

8 A. I guess she could have. She's probably collect ing -- he

9 was collecting fees on whatever money that she al located to

10 him.1 2 : 2 6

11 Q. So, let me understand this. She would allocate money to

12 her husband, correct?

13 A. Yes, sir.

14 Q. And he would invest it and obtain some fees by doing so?

15 A. Correct.1 2 : 2 6

16 Q. And she would obtain money because of the fees he was

17 obtaining?

18 A. Correct. Yeah, I guess you could call it doubl e-dipping.

19 Q. Any of these people that we just discussed ever hired or

20 reviewed by Mr. Stanford?1 2 : 2 6

21 A. No.

22 Q. Everybody was hired by Mr. Davis or Mrs. Holt, correct?


24 Q. You know, the private equity that we discussed a little bit

25 earlier you said was run by a Mr. Bogar, correct?1 2 : 2 6


1710

1 A. Danny Bogar, yes.1 2 : 2 7

2 Q. Was Danny Bogar relations -- or related to Mr. Davis?

3 A. Yes, I believe that was his nephew.

4 Q. All right. And the private equity that you saw that you

5 had an opinion that it wasn't perhaps that strong , there were1 2 : 2 7

6 other companies that you would much rather have i nvested it,

7 was that in Tier II or Tier III or do you know?

8 A. I don't know. I just know it was part of Stanf ord

9 Venture --

10 Q. -- Capital?1 2 : 2 7

11 A. Yes.

12 Q. So, it could have been in Tier III; you just do n't know

13 about it?

14 A. Correct.

15 Q. Anything illegal about having private equity in Tier III?1 2 : 2 7

16 A. No.

17 Q. All right. Let's talk about two other analysts before we

18 move to another subject matter, if you will.

19 A. Okay.

20 Q. There was also an analyst that was hired by Mr. Davis or1 2 : 2 7

21 Ms. Holt that was a Russian speaker, correct?

22 A. Yes.

23 Q. Okay. What was your opinion of her capabilitie s as an

24 analyst?

25 A. Well, she wasn't an analyst.1 2 : 2 8


1711

1 Q. Okay. Tell us why you thought she wasn't an an alyst.1 2 : 2 8

2 A. Well, once they -- well, when they told me that she was --

3 we had -- they just hired a Russian analyst. I h ad been

4 researching some Russian companies and I was inte rested in a

5 company called Mechel Steel, which is the largest steel company1 2 : 2 8

6 in Russia. It's kind of like the Coca-Cola or Mc Donald's here

7 in the United States but in steel. So, I go and ask her what

8 she knows about Mechel Steel and she says, "I nev er heard of

9 it."

10 And, so, I was, like, "Aren't you from Russian?" 1 2 : 2 8

11 And she said, "I was born in Russian and I know

12 how to speak Russian, but I left Russia when I wa s five years

13 old. I never heard of the company."

14 So, at that point I left the office and was,

15 "Okay. I'll do the research myself."1 2 : 2 8

16 Q. So, your opinion of her capabilities is also ve ry low?

17 A. Yes.

18 Q. Who hired her?

19 A. I believe that was Laura Pendergest-Holt.

20 Q. What about Mr. Zarich? Am I saying that name r ight?1 2 : 2 8

21 A. "Zarich."

22 Q. "Zarich." I'm sorry.

23 Was he hired by Ms. Holt or Mr. Davis?

24 A. For the SIO position?

25 Q. Yes.1 2 : 2 9


1712

1 A. I believe that was both Davis and Holt on the S IO position.1 2 : 2 9

2 Q. Was he a capable person?

3 A. No.

4 Q. Okay. But he was, again, hired by Mr. Davis an d Ms. Holt?

5 A. Correct.1 2 : 2 9

6 Q. Not by Mr. Stanford?

7 A. Correct.

8 Q. And tell us why you don't believe he had any kn owledge or

9 was capable of being in that position.

10 A. Again, just didn't understand the markets that much. I1 2 : 2 9

11 think he was -- in my opinion, I think he was laz y and he just

12 couldn't grasp certain concepts, investment conce pts.

13 Q. Was he in this business before, or was this the first time

14 he was in a financial business that he was hired?

15 A. Well, he actually -- he worked at Stanford befo re he became1 2 : 2 9

16 SIO.

17 Q. Okay. And what -- do you have any knowledge as to why he

18 was promoted to that position? Do you have any p ersonal

19 knowledge?

20 A. I have a theory.1 2 : 2 9

21 Q. Okay.

22 MR. FAZEL: I'm trying to work it. Hold on.

23 MR. WARREN: Objection, if he's speculating, your

24 Honor.

25 THE COURT: Okay. Yeah. Rephrase it now.1 2 : 3 0


1713

1 MR. FAZEL: I'm working on it.1 2 : 3 0

2 THE COURT: Okay.

3 BY MR. FAZEL:

4 Q. Was this theory based on any interaction with a nybody at

5 the company?1 2 : 3 0

6 A. Yes.

7 Q. Did you come to a conclusion, after working in that company

8 and interacting with others in the company, that led you to

9 believe that you have an understanding as to why he was hired

10 and then later demoted?1 2 : 3 0

11 A. Yes.

12 MR. WARREN: Your Honor, I would still object. I f

13 counsel can just ask whether the witness knows th e answer to

14 the question.

15 THE COURT: All right. Next question.1 2 : 3 0

16 BY MR. FAZEL:

17 Q. Who hired him?

18 A. Zarich?

19 Q. Uh-huh.

20 A. I think that was both Davis and Laura.1 2 : 3 0

21 Q. Was he then later fired or demoted?

22 THE COURT: Who is "he"?

23 MR. FAZEL: Mr. Zarich.

24 THE WITNESS: I don't know if he was fired, but I

25 think they put enough pressure on him to make him want to1 2 : 3 1


1714

1 leave.1 2 : 3 1

2 BY MR. FAZEL:

3 Q. And what happened that caused him to have a pro blem at

4 Stanford?

5 A. He got married.1 2 : 3 1

6 Q. And why is that a problem?

7 A. Because Laura and him were having an affair.

8 Q. And so, once he got married and that ended, the n that was

9 the end of him working with Ms. Holt?

10 A. You could say that, yes.1 2 : 3 1

11 Q. To your knowledge, there was no information reg arding any

12 of this that we discussed that was sent to Mr. St anford, was

13 there?

14 A. No.

15 Q. It was just sent to Mr. Davis and it stopped th ere?1 2 : 3 1

16 A. Yes.

17 Q. Mr. Davis was aware of what Ms. Holt was doing with

18 Mr. Zarich, wasn't he?

19 A. Oh, yes.

20 Q. Mr. Stanford wasn't updated on a daily basis as to the1 2 : 3 1

21 shenanigans that were going on with Mr. Davis' hi ring his

22 preacher, Mr. Haley; was he aware of that?

23 MR. WARREN: Objection, your Honor, as to whether the

24 witness knows or is just speculating.

25 THE COURT: You mean if someone was aware of it?1 2 : 3 2


1715

1 MR. WARREN: Yes, sir.1 2 : 3 2

2 THE COURT: Third person, sustained as to the for m of

3 the question.

4 BY MR. FAZEL:

5 Q. To your knowledge, was Mr. Stanford told that M r. Haley,1 2 : 3 2

6 one of the folks that are supposed to be analysts , was actually

7 the preacher at Mr. Davis' church?

8 A. No.

9 Q. Was Mr. Stanford told that Mr. Wade McGee was h ired, who

10 was a hand at Mr. Davis' ranch?1 2 : 3 2


12 Q. Was Mr. Davis told that Ms. Pendergest-Holt was

13 double-dipping, as you characterized it, by havin g a hedge fund

14 with her husband?

15 A. Not to my knowledge.1 2 : 3 2

16 Q. Was Mr. Stanford told about the fact that there 's a Russian

17 analyst hired that just speaks Russian and that's it?

18 A. Not to my knowledge.

19 Q. Was Mr. Stanford told that Mr. Zarich was hired and then

20 had an affair and was fired because Ms. Holt just got tired of1 2 : 3 2

21 that?


23 Q. Don't you think those are important things an o wner of a

24 company ought to know because he could come in an d clean house?

25 A. Oh, yeah.1 2 : 3 3


1716

1 Q. Any doubt in your mind that the day-to-day acti vities of1 2 : 3 3

2 the group that you were involved with was run by Mr. Davis?

3 Any doubt in your mind?

4 A. He had final say-so.

5 Q. Now, do you remember a -- do you know what "TPC " stood for?1 2 : 3 3

6 A. Top Producer Club.

7 Q. Correct. And do you remember one that was held in Puerto

8 Vallarta?

9 THE COURT: A Top Producer Club?

10 MR. FAZEL: Yes, sir.1 2 : 3 3

11 THE COURT: You say something was held. Was it a

12 reunion or a get-together or a dinner or what?

13 MR. FAZEL: I'll clear it up.

14 BY MR. FAZEL:

15 Q. Was there an event call the "TPC meetings"?1 2 : 3 3

16 A. Yes.

17 Q. And these events were annual in nature?

18 A. Quarterly, I believe.

19 Q. Quarterly. And was there one held in Puerto Va llarta, that

20 you recall?1 2 : 3 4

21 A. There were several held in Mexico, yeah.

22 THE COURT: Were you at those meetings?

23 THE WITNESS: Several of them. Not all of them b ut --

24 BY MR. FAZEL:

25 Q. In those meetings, did people get up and give s peeches and1 2 : 3 4


1717

1 talk about company matter related things or busin ess related1 2 : 3 4

2 things?

3 A. Yes.

4 Q. Do you recall who talked about the numbers at t hose

5 meetings?1 2 : 3 4

6 A. "Numbers" referring to --

7 Q. The earnings, how we're doing on investments an d so forth.

8 A. Anything that related to the financial statemen ts was

9 Mr. Davis.

10 Q. Okay. What about Ms. Holt, did she also make1 2 : 3 4

11 presentations?

12 A. Yes.

13 Q. What were her presentations about?

14 A. How the portfolios were being run.

15 Q. So, Ms. Holt and Mr. Davis were the numbers peo ple. Would1 2 : 3 4

16 you agree with that?

17 A. Yes.

18 Q. Do you recall a circumstance that Mr. Stanford actually got

19 up and made a speech about interest rates and had to stop in

20 the middle of it because Mr. Davis was shaking hi s head "no,"1 2 : 3 5

21 like that? Do you remember that? Did --

22 A. Yes.

23 Q. And wasn't that in Puerto Vallarta?

24 A. Yes, I think it was. It probably was.

25 Q. Wasn't he giving a speech about something and M r. Davis was1 2 : 3 5


1718

1 shaking his head as in, "No, no, we're not doing that"? Do you1 2 : 3 5

2 remember that?

3 A. Yes.

4 Q. Okay. Mr. Stanford had to back up, go, "Okay, we'll just

5 change our mind on that," something like that?1 2 : 3 5

6 A. Something like that, yes.

7 Q. So, it's very clear in your mind Mr. Stanford h ad relied --

8 did rely on Mr. Davis and Ms. Holt to run the num bers portion

9 of his business when it came to SIBL?

10 A. Yes.1 2 : 3 5

11 Q. Did Mr. Stanford ever tell you that, "Mr. Colli nsworth, I

12 want you to do this and this is illegal"? Did he ever tell

13 that?

14 A. No.

15 Q. Did he ever tell you, "I want you to lie about numbers"?1 2 : 3 5

16 A. No.

17 Q. Did he ever tell you, "I want you to tell peopl e this

18 percentage was in this, but in reality it's not"?

19 A. No.

20 Q. Did you ever get a feeling that Mr. Stanford wa s asking you1 2 : 3 6

21 to commit a crime?

22 A. No.

23 MR. FAZEL: Now, if I can get your Honor to turn on

24 the overhead and look at Government Exhibit 120.

25 THE COURT: Whose exhibit?1 2 : 3 6


1719

1 MR. FAZEL: Government Exhibit 120.1 2 : 3 6

2 THE COURT: Not you mean -- the -- not the overhe ad,

3 BUT the computer.

4 MR. FAZEL: I'm sorry, your Honor.

5 And I need this page, Page 11. If you can1 2 : 3 6

6 highlight --

7 BY MR. FAZEL:

8 Q. I'm not a financial guy, but you see how it say s the cash

9 balances -- how much is the cash balance up there ?

10 A. For which year?1 2 : 3 7

11 Q. For 2007.

12 A. 627 million.

13 Q. And, then, if we add that to --

14 MR. FAZEL: Judge, can I have a moment, please?

15 THE COURT: By the way, while he's talking, that 161,1 2 : 3 8

16 is that the number up there now?

17 MR. WARREN: It's 120, your Honor.

18 THE COURT: All right. Here it is. So, 116 thro ugh

19 120 has been identified. I just want to make sur e everything

20 has been identified.1 2 : 3 8

21 By the way, if it's not, and you don't see me

22 writing it down, bring it to my attention. I'm t alking to the

23 government. All right?

24 MR. FAZEL: Okay. I think I understand it now.

25 BY MR. FAZEL: 1 2 : 3 8


1720

1 Q. Okay. So, what we have up there on Line 11 is 627 million.1 2 : 3 8

2 Is that correct?

3 A. Correct.

4 Q. Okay. And you testified earlier that there's $ 889 million

5 that you are -- under management in Tier II?1 2 : 3 8

6 A. Correct.

7 Q. If we add 627 million and 889 million, what do we get?

8 Approximately 1.5?

9 A. Ballpark.

10 Q. Okay. Now, would you agree with me that Tier I I is fairly1 2 : 3 8

11 liquid?

12 A. Fairly liquid, yes.

13 Q. Would you agree with me that cash and balances with other

14 banks, at 627, that's pretty much liquid, right?

15 A. Yes.1 2 : 3 9

16 Q. So, $1.5 billion was liquid. Would you agree w ith that?

17 A. Yes.

18 Q. Okay. If you leave that up there -- I'm going to go up

19 there anyways. Make sure I do this right.

20 So, what we know here is this. We know1 2 : 3 9

21 627 million and change is cash, correct?

22 A. Yes.

23 Q. We know according to what you testified, 889 mi llion,

24 Tier II, is cash or cash equivalent, correct?

25 A. Yes.1 2 : 3 9


1721

1 Q. And we know that's about $1.5 billion, that's c ash1 2 : 3 9

2 equivalent -- or cash or cash equivalent, correct ?

3 A. Correct.

4 Q. And 1.5 billion is what percentage of -- and I understand

5 you don't have a calculator, so I'm going to help you with it.1 2 : 4 0

6 1.5 billion is what percentage of $6.6 billion up there? Do

7 you see that?

8 A. Yes.

9 Q. Is that about 22 percent? Would you agree with that?

10 A. I would.1 2 : 4 0

11 Q. So, 22 percent of the bank's assets is liquid, correct?

12 A. Yes.

13 Q. All right. Now, which means that -- do you kno w what the

14 liquidity ratio in the US is for banks to have?

15 A. I do not.1 2 : 4 0

16 Q. Would 5 percent jog your memory?

17 A. I think it might be 7 percent.

18 Q. Five to 7 percent. So, that -- SIBL had a high er liquidity

19 rate than any bank in the US, correct?

20 A. Oh, well -- yes.1 2 : 4 0

21 Q. Did you know that the FSRC, which is the regula tory body in

22 Antigua that oversaw Stanford International Bank, their

23 liquidity ratio was only 10 percent? Did you kno w that?

24 A. I did not.

25 Q. So, they're even 10 percent higher, if what I a m telling1 2 : 4 1


1722

1 you is correct, 10 percent higher than what their liquidity1 2 : 4 1

2 ratio was supposed to be in Antigua, because they had

3 22 percent liquidity, correct?

4 A. Yes.

5 Q. Certainly nothing illegal with being -- with ha ving a1 2 : 4 1

6 higher liquidity ratio than any bank in the US, i s there?

7 A. No.

8 Q. Anything illegal about having a higher liquidit y ratio than

9 what was required in Antigua; anything illegal ab out that?

10 A. No.1 2 : 4 1

11 Q. We know that higher percentages of rates of ret urn are

12 required with private equity. I mean, that's why we do it,

13 right?

14 A. Yeah. Well, the more risk, the higher the retu rn.

15 Q. You never managed, looked into, or had any part of1 2 : 4 2

16 Tier III, correct?

17 A. Correct.

18 Q. And we've talked about this with the jury, that Tier I,

19 Tier II, Tier III, by -- by the nature of having tiers, there's

20 nothing fraudulent about that, is it?1 2 : 4 2

21 A. Correct.

22 Q. Nothing illegal about that, is there?

23 A. No.

24 Q. As a matter of fact, the term "tier" is used co mmonly in

25 banking nomenclature, correct?1 2 : 4 3


1723

1 A. That's correct, yes.1 2 : 4 3

2 Q. Since you had no -- you were not working with T ier III, did

3 you have a reason to look at the Tier III stateme nts?

4 A. No.

5 Q. So, there's nothing weird, unusual, or illegal about the1 2 : 4 3

6 fact that Tier III statements weren't shown to yo u, is there?

7 A. No.

8 Q. Now, you remember the government talking -- I'm sorry.

9 Do you remember that in direct, Mr. Warren talked

10 to you about money managers, right?1 2 : 4 3

11 A. Yes.

12 Q. Okay. Let's go over that just briefly. Money managers are

13 the folks that the money was invested with, some money was

14 invested with, overseas or even in the United Sta tes, that

15 actually did the trading and the -- put the portf olio together,1 2 : 4 3

16 correct?

17 A. Yes.

18 Q. Okay. There's nothing illegal about taking mon ey and

19 giving it to money managers, is there?

20 A. No.1 2 : 4 3

21 Q. Okay. And your understanding of the money mana gers and how

22 they were set up was that you focused in on Tier II, correct?

23 A. Correct.

24 Q. And you described to the jury that your underst anding of

25 Tier III was that it was covered by Mr. Davis?1 2 : 4 4


1724

1 A. Uh-huh.1 2 : 4 4

2 Q. Ms. Holt?

3 A. Yes.

4 Q. And the board?

5 A. Yes.1 2 : 4 4

6 Q. And then, ultimately, of course, Mr. Stanford, who was part

7 of the board and was reported to, correct?

8 A. Correct.

9 Q. Okay. Mr. Stanford, to your understanding of h ow

10 businesses work -- I mean, after all, you are a f inancial guy.1 2 : 4 4

11 You do nothing but do finances the whole time, ri ght? And

12 right now, as a matter of fact, you run a company where you

13 help people invest their money?

14 A. Correct.

15 Q. So, day to day, you're in the trenches when it comes to1 2 : 4 4

16 finances, correct?

17 A. Correct.

18 Q. You don't expect Mr. Davis to have day-to-day i nteraction

19 with these things, do you? I mean, he's running multiple,

20 multiple companies, right?1 2 : 4 4

21 A. Mr. Davis or Mr. --

22 Q. I'm sorry. Mr. Stanford.

23 A. Well, no.

24 Q. I mean, he is -- he's running so many things th at he has to

25 rely on other people to take care of this type of activity,1 2 : 4 4


1725

1 right?1 2 : 4 5

2 A. Yes.

3 MR. WARREN: Objection, your Honor, just to clari fy

4 the question, as to what Mr. Collinsworth knew or what he

5 expected?1 2 : 4 5

6 MR. FAZEL: Both.

7 THE COURT: All right. Knew or expected. Did yo u

8 know this or that's what you expected and surmise d?

9 THE WITNESS: Did I know that Mr. Stanford should

10 be --1 2 : 4 5

11 THE COURT: Okay. That was the objection. Do yo u

12 know it or is it just your -- it's a supposition?

13 Ask the question now.


15 THE COURT: You phrase it as you would like.1 2 : 4 5


17 BY MR. FAZEL:

18 Q. Mr. Collinsworth, in any company -- small, big, medium --

19 there's going to be somebody who's on top of the echelons,

20 correct?1 2 : 4 5

21 A. Correct.

22 Q. And there's people underneath he or she, correc t?

23 A. Correct.

24 Q. With work like yours -- that is, what you do fo r a

25 living -- you have to have a lot of information i n front of you1 2 : 4 5


1726

1 and you have to study a lot and be up to date wit h a lot of1 2 : 4 5

2 market information, correct?

3 A. Yes, sir.

4 Q. It's not something you can do on the side, corr ect?

5 A. Yes, sir.1 2 : 4 5

6 Q. You have to be up to date with this stuff?

7 A. Yes.

8 Q. So, it requires somebody to devote an extreme a mount of

9 time keeping up to date with this, correct?

10 A. Correct.1 2 : 4 6

11 Q. It's like a doctor with ongoing stuff with medi cation,

12 correct?

13 A. Correct.

14 Q. I mean, you have to devote your entire time to the practice

15 of medicine?1 2 : 4 6

16 A. Correct.

17 Q. You devote your entire time to the practice of finance?

18 A. Correct.

19 Q. People like you aren't expected to run the enti re company,

20 correct?1 2 : 4 6

21 A. Correct.

22 Q. You don't have enough time?

23 A. Correct.

24 Q. All right. Same thing with the Stanford entiti es.

25 Mr. Stanford was, yes, on top of the Stanford ent ities; but he1 2 : 4 6


1727

1 relied on Mr. Davis and people like you to run th e financial1 2 : 4 6

2 portions of it, correct?

3 A. Correct.

4 MR. WARREN: Same objection, your Honor, whether

5 counsel is asking whether Mr. Collinsworth knew t hat or whether1 2 : 4 6

6 that was what he thought.

7 MR. FAZEL: Is that what --

8 THE COURT: Yeah, if you want to do it or you can take

9 him just a question or two on voir dire, whatever you prefer.

10 MR. FAZEL: I'll do it.1 2 : 4 6

11 THE COURT: Okay.

12 BY MR. FAZEL:

13 Q. Was that your understanding of the management s tyle?

14 A. Yes.

15 Q. I mean, after all, if Mr. Stanford was there ma ybe twice1 2 : 4 6

16 the entire 10 years you were there and Mr. Davis was there

17 every single day, is that an irrational assumptio n to make on

18 your part?


20 Q. Okay. All right. Now, these money managers, t hat's what1 2 : 4 7

21 we were talking about. These money managers, we had two types

22 of circumstances in Stanford. We had one type wh ere you

23 actually managed a portfolio, you actually made t he trades,

24 correct?

25 A. Correct.1 2 : 4 7


1728

1 Q. And we had another set of circumstances where t he money1 2 : 4 7

2 managers managed the money and then folks in Stan ford just kind

3 of kept up with it and updated the system so they knew what the

4 money managers were doing?

5 A. Correct.1 2 : 4 7

6 Q. Okay. You don't know or were not privy to all of the money

7 managers. You were just privy to the money manag ers that were

8 handling Tier II, correct?

9 A. Correct.

10 Q. There could have been money managers other plac es you just1 2 : 4 7

11 don't know about?

12 A. That would be fair, yes.

13 THE COURT: Pardon me. That's correct?

14 THE WITNESS: That's correct.

15 THE COURT: Okay.1 2 : 4 7

16 MR. FAZEL: Judge, may I have one minute? I want to

17 go over my notes real quick.

18 THE COURT: Yes.

19 BY MR. FAZEL:

20 Q. The fish bowl, do you remember talking about th e fish bowl?1 2 : 4 8

21 A. I do.

22 Q. All right. Is there anything illegal about or fraudulent

23 about wanting people to be there if potential inv estors want to

24 ask them questions?

25 A. No.1 2 : 4 8


1729

1 Q. Were you planning on lying to potential investo rs about1 2 : 4 8

2 anything?

3 A. No.

4 Q. Did anybody tell you, "Hey, I want you to sit h ere and I

5 want you to lie to people"?1 2 : 4 8

6 A. No.

7 Q. And if they came up to you and asked you about how money

8 was invested, were you going to tell them the tru th?

9 A. Well, we weren't supposed to talk about Tier II . If they

10 asked a question -- the only question we could an swer was1 2 : 4 9

11 about, like, the general economy, currencies, thi ngs of that

12 nature.

13 Q. And you would answer questions as to, "Here's w hat we think

14 our investment strategy ought to be" or "Here's w hat we do with

15 your money," correct?1 2 : 4 9

16 A. Correct.


18 A. No.

19 Q. And you weren't supposed to talk about the tier s because it

20 was something that was held closely, correct?1 2 : 4 9

21 A. We weren't supposed to talk about it because we were told

22 if we talked about the investments it would be a violation of

23 Antigua privacy laws for banking.

24 Q. Okay. Is there anything illegal about you bein g told, "We

25 don't want to break the laws of the country that we are in"?1 2 : 4 9


1730

1 A. No.1 2 : 4 9

2 MR. FAZEL: Can I have Government's 218? This wi ll

3 just take a moment, your Honor.

4 If we can go to Page 21 of Government's 218,

5 please.1 2 : 5 0

6 THE COURT: What is 218? Just describe it.

7 MR. FAZEL: Your Honor, that was the rather thick book

8 or document that was created by Ms. --

9 MR. WARREN: Your Honor, it's the SIO manual that

10 Mr. Collinsworth testified to.1 2 : 5 1

11 THE COURT: Okay.

12 BY MR. FAZEL:

13 Q. First of all, was this ever, to your knowledge,

14 Mr. Collinsworth -- I know this was -- was this e ver put into

15 action, that you're aware of?1 2 : 5 1

16 A. What do you mean, "put into action"?

17 Q. In other words, did they say, "This is the SIO manual, and

18 this is what we're going to go by"?

19 A. I'm not sure on that.

20 Q. Okay. That's fair enough. Are you aware of an y1 2 : 5 1

21 disagreement between Mr. Davis and Mr. Stanford r egarding the

22 drafter of this manual and the fact that the mone y was spent

23 without permission? Were you aware of any of tha t?

24 A. No.

25 Q. Direct your attention to Page 21. 1 2 : 5 1


1731

1 MR. FAZEL: And can we look at the second paragra ph1 2 : 5 1

2 and highlight that, please?

3 BY MR. FAZEL:

4 Q. Does this paragraph correspond -- even assuming this was

5 put into place -- which we don't know. But even assuming that,1 2 : 5 1

6 does this correspond to what you were told about banking

7 secrecy laws?

8 A. Let me read it real fast.

9 Q. Sure.

10 Does that correspond with what you were told?1 2 : 5 2

11 A. Yes.

12 Q. And going on to Page 22 -- this is so cool -- l ooking on

13 the right-hand side of the document, the second f ull paragraph

14 says, "Will the bank name any of the advisors?"

15 Do you see that?1 2 : 5 2

16 A. I do.

17 Q. Any -- does this seem to correspond to what you were told

18 at SIBL and were told at Stanford, generally?

19 A. Yes.

20 Q. Now, on the same paragraph we just talked about , you see on1 2 : 5 3

21 the second full paragraph --

22 A. I do.

23 Q. -- it says, "SIBL" -- which is Stanford Interna tional Bank,

24 Limited, correct?

25 A. Correct.1 2 : 5 3


1732

1 Q. -- "will occasionally mention an advisor, if it 's1 2 : 5 3

2 appropriate to do so -- for example -- and it giv es you

3 examples of SocGen.

4 What is SocGen?

5 THE COURT: Move that down -- just aim --1 2 : 5 3

6 MR. FAZEL: I'm sorry, your Honor.

7 Better?

8 THE COURT: Yeah, that's much better.

9 BY MR. FAZEL:

10 Q. What is SocGen?1 2 : 5 3

11 A. SocGen is a banking/brokerage firm out of Europ e.

12 Q. Is there anything illegal or fraudulent about S ocGen, that

13 you are aware of?

14 A. No.

15 Q. Is it a fairly large operation?1 2 : 5 4

16 A. One of the largest banks in Europe.

17 Q. What about the next one?

18 A. Credit Suisse First Boston.

19 Q. Tell us what that is.

20 A. That is another large bank/brokerage firm out o f Europe.1 2 : 5 4

21 Q. Anything fraudulent or illegal about that?

22 A. No.

23 Q. What is "TD"?

24 A. Toronto Dominion.

25 Q. What kind of institution is that?1 2 : 5 4


1733

1 A. That is a banking/brokerage firm in Canada.1 2 : 5 4

2 Q. Okay. What about HSBC?

3 A. That is another large bank out of Europe.

4 Q. Anything illegal or fraudulent about any of the se banks,

5 that you are aware of?1 2 : 5 4

6 A. No.

7 Q. Again, these are just an example of some of the people that

8 were used, correct?

9 A. Correct.

10 Q. There's even other folks that were used where y ou were,1 2 : 5 4

11 under your tutelage, correct?

12 A. Correct.

13 Q. I mean, you -- didn't you also have accounts at Lehman

14 Brothers?

15 A. Correct.1 2 : 5 5

16 Q. Was there something illegal about Lehman Brothe rs? I mean,

17 I know they went bankrupt -- or went through a ba nkruptcy

18 proceeding; but at the time, was there anything i llegal about

19 being with Lehman Brothers?

20 A. No.1 2 : 5 5

21 Q. Were they a fairly large institution?

22 A. Yes.

23 Q. Didn't you one time receive information of an a ccount at

24 Lehman Brothers, that you were not aware of?

25 A. I did.1 2 : 5 5


1734

1 Q. And that wasn't part of Tier II, was it?1 2 : 5 5

2 A. No.

3 Q. But, yet, it was in Lehman Brothers, correct?

4 A. Correct.

5 Q. So, obviously there were accounts that you were not privy1 2 : 5 5

6 to?

7 A. Correct.

8 Q. Accounts that could have very well been in Tier III?

9 A. Possible, yes.

10 Q. Now, you discussed double-dipping with Laura Ho lt just1 2 : 5 5

11 briefly just a little while ago, correct?

12 A. Yes.

13 Q. You meant by "double-dipping," I guess, you mea nt the fact

14 that she was obtaining money through her husband and also

15 through Stanford. Is that what you meant by "dou ble-dipping"?1 2 : 5 5

16 A. Correct.

17 Q. Just briefly tell us what you mean by "double-d ipping."

18 Let's be clear about that.

19 A. Well, in my book, I would say that's unethical, to get a

20 paycheck from your company you work for but then also allocate1 2 : 5 6

21 money from a company you work for to your husband who is now

22 going to get an additional paycheck from that mon ey that you

23 are allocating.

24 Q. Okay. I think that's fair.

25 MR. FAZEL: Judge, I have --1 2 : 5 6


1735

1 THE COURT: It's about time.1 2 : 5 6

2 MR. FAZEL: If it please the Court?

3 THE COURT: Sure. Ladies and gentlemen, it's now , oh,

4 I have either -- depends upon which clock you're looking at --

5 about three or four minutes before 1:00 o'clock. We'll take1 2 : 5 6

6 our break at this time. Please be back -- after I raise the

7 screen. Please be back, ready to resume, at 2:15 . We'll see

8 you at that time.

9 (Jury not present)

10 MR. FAZEL: Just give me one second. I need to f ind1 2 : 5 8

11 him.

12 THE COURT: Do we need everybody to remain?

13 MR. FAZEL: No.

14 THE COURT: I do want the court reporter to remai n.

15 We're just going to swear a witness in if we can find the1 2 : 5 8

16 individual.

17 All right. We'll stand adjourned, then. We'll

18 see you at 2:15. I'll remain here if I need to s wear a witness

19 in.

20 MR. FAZEL: Glen Lyons, your Honor, he's with Mar cum0 1 : 0 0

21 and we would ask him to be sworn in in this matte r.

22 THE COURT: You're an attorney where, sir?

23 MR. LYONS: Maryland.

24 THE COURT: Okay. Welcome to Texas. Raise your right

25 hand to be sworn. 0 1 : 0 0


1736

1 You swear the testimony you're about to give in0 1 : 0 0

2 this case on trial will be the truth, the whole t ruth, and

3 nothing but the truth?

4 MR. LYONS: I do.

5 THE COURT: You're now placed under the Rule. Yo u0 1 : 0 0

6 need to be available when you're called to testif y.

7 MR. FAZEL: Your Honor, as a matter of fact, he's

8 going to be helping us prepare for exhibits and s o forth. So,

9 I would ask him be here available in Houston as n eeded by

10 counsel.0 1 : 0 0

11 THE COURT: That's so ordered, and I think you al so

12 have an order from the chief judge of the circuit relative to

13 similar matters.

14 MR. LYONS: I have not disobeyed her ruling at al l.

15 THE COURT: Well, now you got it from two of us.0 1 : 0 1

16 MR. FAZEL: Thank you, your Honor.

17 THE COURT: Nice to see you.

18 (Noon recess was taken)

19 THE COURT: Call the jury in, please.

20 (Jury present)0 2 : 1 8

21 THE COURT: Have a seat. We're talking about the

22 temperature. How is it? Is it all right?

23 Okay. The jury is what counts. If -- it's a

24 little cool; but if it gets too cool for anyone o n the jury,

25 let me know because you're the most important one s. 0 2 : 1 9


1737

1 Let's go.0 2 : 1 9

2 Aside from counsel, of course. As Mr. -- counsel

3 looks up to say, "How about me?" Right?

4 Okay. Go right ahead.

5 MR. FAZEL: Yes, sir.0 2 : 1 9

6 BY MR. FAZEL:

7 Q. Mr. Collinsworth, I just want to touch base wit h one other

8 matter with you before I pass you to the governme nt.

9 Do you remember talking earlier about this chain

10 of e-mails and the conduct of Ms. Holt regarding SIM and0 2 : 1 9

11 regarding not wanting to give numbers to Mr. Stan ford that were

12 negative? Do you remember talking about that?

13 A. Correct.

14 Q. Okay. I'm going to give you a series of e-mail s. I've

15 tendered that to counsel. I wanted to refresh yo ur memory with0 2 : 2 0

16 e-mails as to how this all came about and why Ms. Holt and

17 Mr. Davis did what they did. Okay? You with me?

18 A. Yes.

19 Q. Okay. Now, does the first e-mail that's marked Number 1

20 refresh your memory as to why Mr. Stanford wanted the numbers?0 2 : 2 0

21 A. Can I read it first?

22 Q. Absolutely. Take your time.

23 A. Okay.

24 Q. So, we know that from the chain of e-mails that

25 Mr. Stanford is going to be interviewed at some p oint by a0 2 : 2 1


1738

1 magazine and wanted to talk about Stanford versus what else is0 2 : 2 1

2 going on in the world, correct?

3 MR. WARREN: Objection, your Honor. What e-mails is

4 Mr. Fazel referring to?

5 THE COURT: Right, details, please. What are we0 2 : 2 1

6 talking about?

7 MR. FAZEL: I'm sorry.

8 BY MR. FAZEL:

9 Q. From the document that's numbered Number 1, tha t's not in

10 evidence --0 2 : 2 1

11 MR. WARREN: And object --

12 THE COURT: Hold it. That's Defense Number 1?

13 MR. FAZEL: No, sir. I have a series of chains o f

14 e-mails that I have placed in front of Mr. Collin sworth just to

15 refresh his memory as to the circumstances surrou nding it. I'm0 2 : 2 1

16 not seeking to introduce it into evidence.


18 MR. FAZEL: Yes, sir. And I tendered one copy to the

19 government.

20 THE COURT: Your objection is that they're not in0 2 : 2 1

21 evidence?

22 MR. WARREN: They're not in evidence, and Mr. Faz el

23 began to characterize a document that's not in ev idence. If

24 it's being used to refresh, he should probably ju st take it

25 back from the witness and see if it's refreshed h is memory.0 2 : 2 1


1739

1 THE COURT: Well, let him take a look at it. Tha t was0 2 : 2 1

2 about to suggest. Thank you. All right.

3 BY MR. FAZEL:

4 Q. Have you looked through what's been --

5 THE COURT: Have you looked through Number 1?0 2 : 2 1

6 THE WITNESS: I have read Number 1, yes.

7 THE COURT: Is it just Page 1 or a whole packet?

8 MR. FAZEL: There's a whole packet --

9 THE COURT: All right. Hold it right there. Jus t

10 skim through the whole packet, see if it refreshe s your0 2 : 2 2

11 recollection to that sequence of whatever is in t here.

12 THE WITNESS: Okay. Okay.

13 THE COURT: Go right ahead.


15 BY MR. FAZEL: 0 2 : 2 3

16 Q. Mr. Collinsworth, did you have an opportunity t o kind of go

17 through the chains of e-mails?

18 A. Correct.

19 Q. Okay. I'm going to take it from you; but if yo u need it to

20 refresh your memory, let me know. I'll bring it back to you.0 2 : 2 3

21 A. Okay.

22 Q. Now, this event occurred in March of 2008. Is that

23 correct?

24 A. Correct.

25 Q. And it was -- it began on March 25th, 2008, cor rect?0 2 : 2 3


1740

1 A. Correct.0 2 : 2 3

2 Q. From a set of electronic mail from Mr. Stanford to

3 Ms. Holt, correct?

4 A. Uh-huh.

5 Q. Is that correct?0 2 : 2 4

6 A. Correct.

7 Q. Thank you, Mr. Collinsworth. And in that e-mai l,

8 Mr. Stanford clearly wanted to find out what Stan ford's company

9 was doing; that is, the specific performance of S tanford's

10 company, correct?0 2 : 2 4

11 A. Correct.

12 MR. WARREN: Your Honor, again, I just object. I t's

13 not clear whether Mr. Fazel is asking about the w itness' own

14 independent recollection or asking him to summari ze a document

15 that was just placed in front of him that is not in evidence,0 2 : 2 4

16 which Mr. Collinsworth there's no indication has ever seen

17 before.

18 MR. FAZEL: Let me clean it up, Judge.

19 THE COURT: I was going to say rather than voir d ire

20 again, it's much easier to clean it up, please.0 2 : 2 4

21 BY MR. FAZEL:

22 Q. At some point in time the e-mails that you have -- that you

23 looked at to refresh your memory, those were sent to you

24 through a chain of e-mails, correct?

25 A. Part of them were, yes.0 2 : 2 4


1741

1 Q. And the first e-mail that you reviewed to refre sh your0 2 : 2 4

2 recollection, that is an e-mail that was sent fro m Mr. Stanford

3 to Ms. Holt, that was part of the e-mails that we re eventually

4 sent to you, correct?

5 A. Correct, summarized, yes.0 2 : 2 5

6 Q. Okay. And it's your understanding that Mr. Sta nford,

7 through that e-mails that you have received and r efreshing your

8 recollection, you understand that Mr. Stanford wa nted to

9 understand where the numbers in SIM were in a tur bulent market.

10 Is that correct?0 2 : 2 5

11 A. Correct.

12 Q. Okay. And through looking at the chain of e-ma ils that

13 were some forwarded to you and refreshing your re collection,

14 isn't it true that Ms. Pendergest-Holt and Mr. Da vis decided to

15 do their best to not provide Mr. Stanford the act ual numbers?0 2 : 2 5

16 Would that be a fair statement?

17 A. Going back to where they want to change negativ e numbers to

18 positive numbers, yes.

19 Q. Correct. They actually wanted you to change th e numbers so

20 Mr. Stanford did not understand where he was actu ally -- that0 2 : 2 5

21 Mr. Stanford did not know the actual numbers. Is that correct?

22 A. Correct.

23 Q. As a matter of fact, they went as far as asking you to ask

24 Mr. D'Amato -- is it Mr. "D'Amato"? Am I saying that --

25 A. "D'Amato."0 2 : 2 6


1742

1 Q. -- D'Amato to do something that he told you he doesn't0 2 : 2 6

2 usually do, which is give a low and a high, corre ct?

3 A. Correct.

4 Q. And a low and a high that we're describing is t hat -- after

5 refreshing your recollection, is it not accurate that you were0 2 : 2 6

6 asked to query Mr. D'Amato to find out if there's a low and a

7 high as to the SIM model, correct?

8 A. In reference to aggressive models versus conser vative

9 models.

10 Q. And you were told that, "We actually don't do t hat,"0 2 : 2 6

11 correct?

12 A. Correct.

13 Q. And then you reported that to Ms. Pendergest-Ho lt?

14 A. Correct.

15 Q. And she wasn't satisfied with that, correct?0 2 : 2 6

16 A. Correct.

17 Q. She said, "Then go find me something that's pos itive,"

18 correct?

19 A. Correct.

20 Q. And then Mr. D'Amato had to actually go find on e investor0 2 : 2 6

21 that was positive, correct?

22 A. I don't know about -- I don't know if D'Amato d id that, but

23 I do know that Laura was very upset that she didn 't have any

24 positive numbers to show.

25 Q. And so, finally, in the meeting in which you we re in that0 2 : 2 6


1743

1 Mr. Stanford was in -- now, let's back this up ju st a bit.0 2 : 2 6

2 Mr. Stanford wanted this information because he w as being

3 interviewed, correct, by "World Magazine," a world finance

4 magazine or something like that?

5 A. It was some magazine. I don't know which one.0 2 : 2 7

6 Q. And he wanted to give accurate information, cor rect?

7 A. Correct.

8 Q. And so, he was asking his employees, "Hey, what are these

9 numbers? I want to make sure that we're giving a ccurate

10 information to this magazine who's interviewing m e," correct?0 2 : 2 7

11 A. Correct.

12 Q. And the information that he obtained from

13 Mrs. Pendergest-Holt and Mr. Davis was inaccurate , correct?

14 A. Well, I don't know what information was passed on to him at

15 the end; but the information they wanted me to -- they0 2 : 2 7

16 wanted -- the information they were asking me to get was not

17 there.

18 Q. Refreshing your recollection, is it not true th at Mr. Davis

19 and Ms. Pendergest-Holt actually engaged in a ser ies of

20 conversations in which Ms. Holt was told, "Don't turn anything0 2 : 2 7

21 over to Mr. Stanford without checking with me fir st"?

22 A. I don't know if -- I don't know that.

23 Q. If you could read this, please, and let me know when you're

24 done reading.

25 A. Yes, that would be correct.0 2 : 2 8


1744

1 Q. So, after refreshing your recollection, it's cl ear to you,0 2 : 2 8

2 is it not, sir, that Mr. Davis specifically told Ms. Holt,

3 "Don't give Allen Stanford anything without makin g sure I see

4 it first"?

5 A. Correct.0 2 : 2 9

6 Q. You mentioned a name of Jason D'Amato. Am I sa ying that

7 name right?

8 A. Correct.

9 Q. What was he in charge of?

10 A. He was in charge of running the SIM models.0 2 : 2 9

11 Q. The SIM models. Okay. And this is what we're talking

12 about; this is the whole thing that Mr. Stanford was trying to

13 find out where his strategy was compared to every body else's?

14 A. Correct.

15 MR. FAZEL: I pass the witness, your Honor.0 2 : 2 9

16 THE COURT: Go on.


18 REDIRECT EXAMINATION

19 BY MR. WARREN:

20 Q. Mr. Collinsworth, do you recall being asked on0 2 : 3 0

21 cross-examination about whether Mr. -- you knew i f Mr. Stanford

22 knew the information that Mr. Davis and Ms. Holt had on a

23 regular basis?

24 A. Correct.

25 Q. How often did Mr. Davis and Mr. Stanford speak?0 2 : 3 0


1745

1 A. I would assume --0 2 : 3 0

2 Q. I'm not asking you to assume. Do you know how often they

3 spoke?

4 A. No.

5 Q. Do you know how often they met in person?0 2 : 3 0

6 A. No.

7 Q. Do you know how many times they met in the Memp his office?

8 A. No.

9 Q. Do you know how many times they met in the Hous ton office?

10 A. No.0 2 : 3 0

11 Q. Do you know how many times they met in Antigua?

12 A. No.

13 Q. Do you know how many times they met in Miami?

14 A. No.

15 Q. Do you know how many times they met --0 2 : 3 0


17 BY MR. WARREN:

18 Q. Do you know how many times they met on Mr. Stan ford's

19 private planes?

20 A. No.0 2 : 3 0

21 Q. Do you know how often they e-mailed with each o ther?

22 A. No.

23 Q. Do you know how many private conversations ther e were

24 between Mr. Davis and Mr. Stanford that you were not involved

25 in?0 2 : 3 0


1746

1 A. No.0 2 : 3 0

2 Q. What about Ms. Holt? Do you know how often Ms. Holt spoke

3 with Mr. Stanford?

4 A. No.

5 Q. Do you know how many times Ms. Holt called Mr. Stanford on0 2 : 3 0

6 a daily basis?

7 A. No.

8 Q. Do you know how many meetings there were betwee n Ms. Holt

9 and Mr. Stanford where you weren't present?

10 A. No.0 2 : 3 1

11 Q. Do you know how many times they met in Memphis?

12 A. No.

13 Q. How many times they met in Houston?

14 A. No.

15 Q. Miami?0 2 : 3 1

16 A. No.

17 Q. Antigua?

18 A. No.

19 Q. Or on Mr. Stanford's private planes?

20 A. No.0 2 : 3 1

21 Q. You have no idea, do you --

22 A. No.

23 Q. -- what Mr. Davis and Ms. Holt told Mr. Stanfor d, do you?


25 Q. On cross-examination you were asked some questi ons about0 2 : 3 1


1747

1 the amount of time that you spent working on the Tier II0 2 : 3 1

2 portfolio, right?

3 A. Uh-huh.

4 Q. And I believe the phrase that Mr. Fazel used wa s an

5 "extreme amount of time"?0 2 : 3 1

6 A. Yes.

7 Q. Do you recall that?

8 A. Yes.

9 Q. And that's a fair characterization, that you sp ent an

10 extreme amount of time with what you did on a dai ly basis?0 2 : 3 1

11 A. Correct.

12 Q. And it's fair to say that it would have taken a n extreme

13 amount of time for anyone, Mr. Stanford or anyone else, to have

14 gotten up to speed on every single thing that you did or

15 everyone in Memphis did, right?0 2 : 3 1

16 A. Correct.

17 Q. But how long would it take for someone to pick up the phone

18 to Mr. Stanford and say, "Today we have X-amount of dollars in

19 assets"? How long would that take?

20 A. Ten seconds.0 2 : 3 2

21 Q. And how long would it take on a daily basis, fo r example,

22 for Mr. Davis to pick up the phone and call Mr. S tanford and

23 say, "Right now these are the total amount of ass ets we have"?

24 How long would that take?

25 A. Ten seconds.0 2 : 3 2


1748

1 Q. And if he wanted to do it three times a day, ho w much time0 2 : 3 2

2 out of the day would it take?

3 A. Less than a minute.

4 MR. FAZEL: Your Honor, I object that these lines of

5 questioning are speculation as to how long it wou ld take and0 2 : 3 2

6 leading the witness.

7 THE COURT: I sustain.

8 BY MR. WARREN:

9 Q. Mr. Collinsworth, do you still have the documen t that

10 Mr. Fazel showed you in front of you, Number 1?0 2 : 3 2

11 A. No.

12 Q. If you could just take a moment to look at that front page.

13 Let me know when you've finished.

14 A. Okay.

15 Q. And I will direct your attention to the bottom of the page0 2 : 3 3

16 to see if this refreshes your memory.

17 A. Okay.

18 Q. May I take it back?

19 A. Yes.

20 Q. Do you know whether Mr. Stanford was ever sent copies of0 2 : 3 3

21 the Tier II portfolio tracking statements?

22 A. No, I don't.

23 Q. And again asking you, if you look at the bottom of that

24 document, see if that refreshes your memory.

25 A. Yes.0 2 : 3 3


1749

1 Q. I'm sorry. I'll ask again. Do you know whethe r0 2 : 3 3

2 Mr. Stanford was ever sent copies of the Tier II portfolio

3 tracking statements?

4 A. Yes.

5 MR. WARREN: Could we highlight the top of that,0 2 : 3 4

6 please? Blow it up some?

7 BY MR. WARREN:

8 Q. Mr. Collinsworth, do you recognize the attachme nts to that

9 document?

10 A. Yes.0 2 : 3 4

11 Q. And what are those attachments?

12 A. That would be the SIB portfolio for Tier II and the BOA

13 portfolio, Bank of Antigua.

14 Q. And the SIB portfolio -- the SIB tracking portf olio, can

15 you remind the jury of what that document is?0 2 : 3 4

16 A. That is the -- all the money managers for Tier II combined

17 into one, which Fred Palimden put into a master s heet, that

18 should be that.

19 Q. That is the document we looked at on Friday in Excel

20 format, with the tabs on the bottom?0 2 : 3 4

21 A. Correct.

22 Q. And what did that document -- what did the mast er sheet

23 show?

24 A. The combined totals of all the money managers i n Tier II.

25 Q. Who received that document?0 2 : 3 5


1750

1 A. Mr. Stanford.0 2 : 3 5

2 Q. What's the date?

3 A. December 1st, 2003.

4 MR. WARREN: Exhibit 208, please.

5 MR. FAZEL: Your Honor, are these -- I'm not sure if0 2 : 3 5

6 these exhibits are or are not in evidence. But i f they're not,

7 I would object to them as not being -- I don't kn ow if he's

8 offering for the truth of matter asserted or not. If they

9 were, I object to hearsay.

10 THE COURT: What exhibit number?0 2 : 3 5

11 MR. FAZEL: He just talked about 207 and now he's

12 bringing up 208.

13 THE COURT: Hold it a second. All right.

14 You have 204, 5, and that's it. So, now we're

15 looking at 207. 0 2 : 3 5

16 What do you want to do, counsel?

17 MR. FAZEL: First I would ask it be taken off the

18 screen.

19 THE COURT: All right. Take it off the screen,

20 please. Thank you.0 2 : 3 5

21 What do you say about 207?

22 MR. WARREN: Of course, your Honor. There's two

23 aspects. The first is that there's an e-mail up front. We're

24 not offering that for the truth of the matter but just that it

25 was sent to Mr. Stanford. So, there's no hearsay problem0 2 : 3 6


1751

1 there.0 2 : 3 6

2 With regard to the attachment, these are the

3 Tier II tracking reports. Mr. Collinsworth testi fied on Friday

4 that these were created by Mr. Palimden in the or dinary course

5 of business; and the Court ruled, with regard to one of those0 2 : 3 6

6 documents, that they satisfied the business recor d exception

7 for hearsay. So, we would offer these documents under that

8 same -- under the same qualification, your Honor.

9 THE COURT: In other words -- well, the cover let ter

10 will be a standard -- the standard offer you've m ade, right?0 2 : 3 6

11 The identification?

12 MR. WARREN: That's correct, your Honor.

13 THE COURT: All right. Now, as far as the attach ed

14 documents, what's -- where is the testimony, agai n, that

15 somebody got them?0 2 : 3 6

16 MR. WARREN: I'm happy to walk through that

17 foundation.

18 THE COURT: No. Just remind me, please. I think you

19 said it already.

20 MR. WARREN: Yes, your Honor. That was --0 2 : 3 7

21 Mr. Collinsworth testified on Friday how the Euro pean money

22 managers sent reports to the people in Memphis fo r the accounts

23 that they managed. Those accounts were compiled into separate

24 spreadsheets and sent to Mr. Palimden and that Mr . Palimden

25 created what Mr. Collinsworth has referred to as the "master0 2 : 3 7


1752

1 spreadsheet," that shows the total amounts of Tie r II assets.0 2 : 3 7


3 MR. FAZEL: My objection is these e-mails are fro m

4 Mr. Davis to Mr. Stanford, so there's a foundatio n issue. Now,

5 if Mr. Davis comes in and testifies, we would be happy to0 2 : 3 7

6 cross-examine Mr. Davis about these events. But I don't think

7 this witness can talk about what interaction occu rred between

8 Mr. Davis and Mr. Stanford. He can talk about wh at he

9 recalled, if anything; but these documents are e- mails from

10 Mr. Davis to Mr. Stanford. Object to foundation.0 2 : 3 7

11 THE COURT: Let me ask you this. You say the

12 testimony on Friday. Both of you had him on dire ct and cross.

13 Where did it come up?

14 MR. WARREN: With regard to Exhibits 204 and 205, your

15 Honor, both of which were admitted.0 2 : 3 8

16 THE COURT: All right. But --

17 MR. FAZEL: 207 and 208.

18 THE COURT: 205, 204, and --

19 MR. WARREN: 204 and 205 are the two documents th at

20 the Court admitted on Friday.0 2 : 3 8

21 THE COURT: This is something new, right?

22 MR. WARREN: This is something new; but it's the same

23 process of creating those spreadsheets, your Hono r. With

24 regard to the e-mail, we're not offering the e-ma il for the

25 truth. So, there's no hearsay objection to that.0 2 : 3 8


1753

1 THE COURT: The e-mail was that it was sent to0 2 : 3 8

2 Mr. Stanford, right?

3 MR. WARREN: That's correct, your Honor.

4 MR. FAZEL: But there's a foundation issue.

5 THE COURT: Have you ever seen that e-mail before ?0 2 : 3 8

6 THE WITNESS: This e-mail?

7 THE COURT: Yes.

8 THE WITNESS: No.

9 THE COURT: Do you know, in fact, it was sent or not?

10 Do you know?0 2 : 3 8

11 THE WITNESS: No, I don't know it.

12 THE COURT: All right. Sustained.

13 Prove it up a different way, may be able to get

14 it in.

15 MR. WARREN: Your Honor, we'd still offer those0 2 : 3 8

16 conditionally under 104 that a future witness wil l be able to

17 authenticate the document.

18 THE COURT: That's -- you know, we talked about t hat

19 up here. Just to be sure, I'm going to pull the book.

20 All right. But it says here in 104(b), "When the0 2 : 3 9

21 relevancy of evidence depends upon the fulfillmen t of a

22 condition of fact, the Court shall admit it upon, or subject

23 to, the introduction of evidence sufficient to su pport a

24 finding of the fulfillment of the condition."

25 How do you get around that? 0 2 : 3 9


1754

1 No, I'm --0 2 : 3 9

2 MR. FAZEL: I'm thinking.

3 THE COURT: I'm not being picky academically. Do you

4 stand mute at this time?

5 MR. FAZEL: I don't, your Honor.0 2 : 4 0

6 THE COURT: Okay. Why? Just tell me.

7 MR. FAZEL: Because it's hearsay being offered fo r the

8 truth of the matter asserted; that is, the e-mail was actually

9 sent that the --

10 THE COURT: All right. Who does it say that was sent0 2 : 4 0

11 from? Remind me. Is it from Mr. Davis?

12 MR. WARREN: From Mr. Davis to Mr. Stanford.

13 THE COURT: Now, wait a second. Are you telling me

14 Mr. Davis is going to come in and prove up that i t was sent to

15 Mr. Stanford?0 2 : 4 0

16 MR. WARREN: One, that he can if we need him to f or

17 the admissibility of this document. Moreover, yo ur Honor,

18 Mr. Collinsworth is familiar, I presume -- and I can establish

19 this with the names and e-mail addresses on that.

20 And given that the bar for authentication is0 2 : 4 0

21 extremely low under Rule 901, just by asking Mr. Collinsworth

22 if he's familiar with the names on those e-mails, he can

23 authenticate this as a document that was sent fro m Mr. Davis to

24 Mr. Stanford.

25 THE COURT: All right. I'm going to sustain the0 2 : 4 0


1755

1 objection; however, I'm going to allow him to dis cuss it now0 2 : 4 0

2 with the understanding that it will come in later with someone

3 who has got personal knowledge of this.


5 THE COURT: That's the safer way to do this. 0 2 : 4 1

6 And ladies and gentlemen, this may be subject to

7 striking later on; but rather than get this witne ss back or

8 wait till later, I find that it is relevant, depe nding upon --

9 in other words, how you weigh it, that I have to get over the

10 relevancy requirement at this time in order -- I asked him0 2 : 4 1

11 could it come in later as proved up through someo ne who sent

12 it. The answer was yes.

13 At this point I'm allowing you to go ahead and

14 reference that. I'm going to put it in as 200 --

15 MR. WARREN: 207.0 2 : 4 1

16 THE COURT: 207.

17 MR. WARREN: And 208 is the next one, your Honor.

18 THE COURT: What is 208?

19 MR. WARREN: It's going all the way through 213. 207,

20 208 -- all the way through 213. It's essentially the same0 2 : 4 1

21 document sent on different dates.

22 THE COURT: Again, I'm not pinning you down on wh at's

23 coming later; but I can give counsel a running ob jection and

24 allow it to come in on the same grounds.

25 MR. WARREN: Yes, your Honor. I would note one m ore0 2 : 4 1


1756

1 thing for the Court. The Court had stated that i t's coming in0 2 : 4 2

2 conditional on relevancy. Mr. Collinsworth can e stablish the

3 relevancy because it's a Tier II tracking report.

4 THE COURT: All right. Well, that's no problem.

5 That's no problem. Again, I agree with you after looking at0 2 : 4 2

6 it; but that's the first hurdle you get over. Bu t as far as

7 that that was sent, I find it relevant; but I fin d that we're

8 going to ask later on was it sent and did you sen d it. All

9 right?

10 MR. WARREN: Understood, your Honor. Thank you.0 2 : 4 2

11 THE COURT: And if the others are the same, give me

12 their numbers right now.

13 MR. WARREN: 207 to 213 inclusive.

14 THE COURT: 207 to two --

15 MR. WARREN: -- to 214, inclusive.0 2 : 4 2

16 THE COURT: All right. With that reservation, ha ve a

17 running objection --


19 THE COURT: -- then those are admitted. Go on.

20 BY MR. WARREN: 0 2 : 4 2

21 Q. Mr. Collinsworth, are you able to see it on thi s screen; or

22 would you like a hard copy of the exhibit?

23 A. I can see it on the screen.

24 Q. Please explain to the jury what this e-mail is.

25 A. This is an e-mail from James Davis to Allen Sta nford on0 2 : 4 3


1757

1 January 21st, 2004.0 2 : 4 3

2 Q. And what's it attaching?

3 A. It's attaching the SIB portfolio tracking and B OA portfolio

4 tracking.

5 Q. And the first document, the SIB tracking, that would0 2 : 4 3

6 include the total Tier II assets as of that point in time?

7 A. Correct.

8 MR. WARREN: 209, please.

9 BY MR. WARREN:

10 Q. What's this document?0 2 : 4 3

11 A. This is an e-mail from James Davis to Allen Sta nford.

12 Q. What's the date?

13 A. October 31st, 2007.

14 Q. And what's the attachment? And the first attac hment I'm

15 focused on, the SIB portfolio tracking.0 2 : 4 3

16 A. That was SIB portfolio tracking, BOA portfolio tracking,

17 and Bank of Panama portfolio tracking.

18 Q. Could you remind the jury what that SIB portfol io would

19 have shown Mr. Stanford?

20 A. That would have been the combined portfolio man agers for0 2 : 4 4

21 Tier II.

22 MR. WARREN: And the next exhibit, please.

23 BY MR. WARREN:

24 Q. This is Government Exhibit 210. Mr. Collinswor th, is this

25 the same thing here; Mr. Davis is sending Mr. Sta nford the0 2 : 4 4


1758

1 portfolio tracking for SIB as well as these other portfolios as0 2 : 4 4

2 of November 5th, 2007?

3 A. November 7th, 2007.

4 Q. The date of the e-mail, but the portfolio track ing

5 summaries are as of November 5th, correct?0 2 : 4 4

6 A. Correct.

7 Q. So, Mr. Stanford then would have received portf olio

8 tracking for this week, as well?

9 A. Correct.

10 MR. WARREN: And Exhibit 211, please.0 2 : 4 4

11 BY MR. WARREN:

12 Q. And the same thing here. We see again Mr. Davi s sending

13 Mr. Stanford the weekly portfolio tracking for th e Tier II

14 portfolio in early 2008?

15 A. Correct.0 2 : 4 5

16 MR. WARREN: And the next exhibit.

17 BY MR. WARREN:

18 Q. And once again, February, 2008, he's sending hi m this

19 portfolio tracking, again showing all the Tier II assets?

20 A. Correct.0 2 : 4 5

21 Q. And, Mr. Collinsworth, can you read the text be low?

22 MR. FAZEL: I would object to him reading --


24 MR. FAZEL: Your Honor, it's hearsay, as well.

25 THE COURT: Well, you're saying that --0 2 : 4 5


1759

1 MR. FAZEL: It's not admitted for the truth of th e0 2 : 4 5

2 matter asserted, and he's asking to read it --

3 THE COURT: Well, you did give a tentative offer, a

4 qualified offer of the first page, right?

5 MR. WARREN: Yes, your Honor. I would also note that0 2 : 4 5

6 as to the text, it's a statement by Mr. Davis whi ch would come

7 in under 801(d)(2)(E).

8 THE COURT: E or D?

9 MR. WARREN: E, your Honor. Or D. Both, actuall y.

10 MR. FAZEL: I renew my objection --0 2 : 4 6

11 MR. WARREN: And, your Honor, I don't --

12 THE COURT: Hang on. Let me just read it. Take a

13 second.

14 MR. WARREN: Of course.

15 THE COURT: Just a second.0 2 : 4 6

16 MR. WARREN: Sure.

17 THE COURT: Overrule the objection.

18 BY MR. WARREN:

19 Q. Mr. Collinsworth, if you could, please, read th e text that

20 Mr. Davis is writing to Mr. Stanford.0 2 : 4 6

21 A. "Not what we wanted yet, but we are setting up for a good

22 year. Timing of this draw down is right insofar as it is in

23 January, say, versus last quarter."

24 Q. Mr. Collinsworth, I'm now showing you Governmen t

25 Exhibit 213. This is an e-mail from Mr. Davis to0 2 : 4 7


1760

1 Mr. Stanford --0 2 : 4 7

2 THE COURT: Again, same -- well, you got a runnin g

3 objection to that last objection you made, for th ose grounds,

4 also.

5 MR. FAZEL: Thank you, your Honor.0 2 : 4 7

6 THE COURT: Go on.

7 MR. WARREN: I would also note, your Honor, that the

8 text isn't necessarily coming in for the truth ev en though --

9 THE COURT: I understand. Just keep going. I

10 understand. I don't mean to cut you off. Go on.0 2 : 4 7

11 BY MR. WARREN:

12 Q. Mr. Collinsworth, what's Mr. Davis again sendin g

13 Mr. Stanford here just a few weeks later?

14 A. SIB portfolio tracking.

15 Q. And what does he say to Mr. Stanford with regar d to the0 2 : 4 7

16 second tier?

17 A. "We are fighting back on the second tier."

18 MR. WARREN: And if we could look at Government

19 Exhibit 214, please.

20 BY MR. WARREN: 0 2 : 4 8

21 Q. Mr. Collinsworth, if you could please tell the jury the

22 date of this e-mail and what Mr. Davis is sending Mr. Stanford.

23 A. It is the SIB portfolio tracking sheet for Dece mber 6,

24 2008.

25 Q. Mr. Collinsworth, on cross-examination you were asked a0 2 : 4 8


1761

1 series of questions about whether you knew if Mr. Stanford was0 2 : 4 8

2 informed about how much money was in Tier II?

3 A. Correct.

4 Q. And you had said you didn't know, right?

5 A. Correct.0 2 : 4 8

6 Q. Does that change your answer as to whether you now know

7 whether Mr. Stanford was informed as to what was in Tier II?

8 A. It does.

9 Q. Now, you testified that you didn't know whether

10 Mr. Stanford knew the size of the total investmen t portfolio,0 2 : 4 8

11 right?

12 A. Correct.

13 Q. You didn't know whether he knew one way or the other?

14 A. Correct.

15 Q. If Mr. Stanford had taken out $2 billion in per sonal loans0 2 : 4 9

16 from Stanford International Bank, would he have k nown that the

17 size of the portfolio was $2 billion less?

18 MR. FAZEL: Object to the form of the question.


20 BY MR. WARREN: 0 2 : 4 9

21 Q. Mr. Collinsworth, we talked -- I'm sorry. You talked on

22 cross-examination about the Stanford Investment M odel, SIM. Do

23 you recall that?

24 A. I do.

25 Q. And this is the investment model where you were trying to0 2 : 4 9


1762

1 form an allocation for customers' assets, right?0 2 : 4 9

2 A. Correct.

3 Q. Is that a fair characterization?

4 A. Correct.

5 Q. And this was the context of where Ms. Holt and Mr. Davis0 2 : 4 9

6 had asked you to report a positive number when th e number was,

7 in fact, negative?

8 A. Correct.

9 Q. Was Stanford Investment Model, SIM, was that ac tual money

10 invested or was it a simulation being done?0 2 : 4 9

11 A. There was actually two. The SIM model that I h ad was

12 basically a tracking model. There was -- no mone y was -- we

13 designed a benchmark to see how well our recommen dations went.

14 The SIM model that Jason D'Amato managed, that wa s actual real

15 money.0 2 : 5 0

16 Q. And so, with regard to the SIM model that you d id, when you

17 say it's a tracking model, what do you mean?

18 A. Well, when we had the SIM meetings, all the ana lysts would

19 give recommendations if they're bullish on Russia , Japan,

20 bullish on bonds. So, what we would do to track those0 2 : 5 0

21 recommendations to see if they're right or wrong, we basically

22 created an index to see how well -- how accurate their

23 recommendations were. So, if an analyst was bull ish on

24 US bonds, we might use the Lehman AGG bond index to track that.

25 Q. Okay. When you say "bullish," what do you mean ?0 2 : 5 0


1763

1 A. Bullish means that you think the asset class is going to go0 2 : 5 0

2 up, and bearish means you think it's going to go down.

3 Q. So, when you say if an analyst thought a partic ular asset

4 was bullish, you tracked it, was any money being invested in

5 that?0 2 : 5 0

6 A. In the models that we did, no.

7 Q. So, in the context of Mr. -- strike that.

8 Is it fair to say that this was -- the SIM model

9 that you did was just financial simulation of a p ortfolio?

10 A. It was model tracking.0 2 : 5 1

11 Q. It's like a financial computer game?

12 A. It was -- yes.

13 Q. And so, when Mr. Davis and Ms. Holt asked you t o change a

14 number, you're changing the output of a financial computer

15 game?0 2 : 5 1

16 A. Correct.

17 Q. The SIM model was for whose clients?

18 A. The SIM model was for the FA's clients.

19 Q. The "FA" being the financial analysts at the br oker/dealer?

20 A. No. The FA's, financial advisors.0 2 : 5 1

21 Q. I'm sorry, financial advisors.

22 A. Yes.

23 Q. Thank you. Like Jason Green?

24 A. Correct.

25 Q. And this would be something that he would be ab le to use0 2 : 5 1


1764

1 with his clients to determine an allocation for t heir assets?0 2 : 5 1

2 A. Correct.

3 Q. It wasn't for the bank's portfolio, was it?

4 A. No.

5 Q. Now, with regard to the SIM model, which, again , as you0 2 : 5 2

6 said, was for the broker/dealers' clients, not fo r the bank,

7 can you please explain to the jury briefly how th at model was

8 created, the simulation model that you were worki ng on?

9 A. Can you be a little more detailed in what you m ean -- are

10 asking?0 2 : 5 2

11 Q. Of course. You testified on direct examination that you

12 understood that Stanford International Bank had b een reporting

13 steady returns, 11, 12 percent --

14 A. Correct, yes.

15 Q. -- for a long period of time, correct?0 2 : 5 2

16 A. Correct, yes.

17 Q. And wasn't it the case that the model, the SIM model, was

18 trying to recreate those returns for customers of the financial

19 advisors like Mr. Green?

20 A. Correct.0 2 : 5 2

21 Q. Now, when you tried to create the SIM model, di d you just

22 start by looking at the bank's asset portfolio?

23 A. That was a starting point for the allocation.

24 Q. Right. And did you take all the specific asset allocations

25 in the bank and just simply apply those for the S IM model?0 2 : 5 2


1765

1 A. Tried to but couldn't be done.0 2 : 5 3

2 Q. Well, why not?

3 A. Because certain investments, when you're dealin g with

4 portfolios of that size, you're going to have inv estments that

5 are going to require certain minimums. Like, som e funds --0 2 : 5 3

6 some hedge funds require, you know, 5, 10, 20 mil lion-dollar

7 minimum investments. You couldn't duplicate that in a retail

8 client's portfolio that may only have a million d ollars to

9 invest.

10 Q. Now, you said you were never shown a breakdown of Tier III0 2 : 5 3

11 assets, right?

12 A. Correct.

13 Q. So, when you were creating the SIM model, did y ou just ask

14 someone, "Hey, it would be really helpful if you show me a

15 breakdown of all the Tier III assets that have be en generating0 2 : 5 3

16 the steady return. I'll use that in creating the SIM model"?

17 A. Correct, we actually did ask.

18 Q. Was it given to you?

19 A. No.

20 Q. Wouldn't that have made your job a lot easier i n creating0 2 : 5 3

21 the SIM model, Mr. Collinsworth?

22 A. Would have made it extremely easy.

23 Q. No one showed you the breakdown of assets in Ti er III. You

24 were asked to create it from scratch, weren't you ?

25 A. Correct.0 2 : 5 3


1766

1 Q. Do you recall discussing on cross-examination S tanford0 2 : 5 4

2 Venture Capital?

3 A. Yes.

4 Q. And private equity?

5 A. Yes.0 2 : 5 4

6 Q. And, so, to be clear, Stanford Venture Capital was the

7 company that owned private equity, right?

8 A. Correct.

9 Q. Now, you also thought that Tier III included so me private

10 equity investments, right?0 2 : 5 4

11 A. Correct.

12 Q. But is it your understanding that Stanford Vent ure Capital,

13 the separate company, its private equity was sepa rate from

14 Tier III?

15 A. Correct.0 2 : 5 4

16 Q. Separate company all together?

17 A. Correct.

18 Q. May as well be looking at Merrill Lynch, right?

19 A. Exactly.

20 MR. WARREN: Exhibit 218, please.0 2 : 5 4

21 BY MR. WARREN:

22 Q. Mr. Collinsworth, I'm showing you Government Ex hibit 218,

23 which is already in evidence.

24 And, Mr. Collinsworth, please let me know if you

25 would like to see a hard copy if it makes it easi er.0 2 : 5 4


1767

1 A. I'm good.0 2 : 5 4

2 Q. I would like to focus you where it says "Tier I II." Can

3 you read Tier III again for the jury, please?

4 A. "Tier III: Largest tier, blue chips, long term bonds, very

5 conservative, income generating, buy/hold positio n, separate0 2 : 5 5

6 advisors."

7 Q. Where would private equity fit into that?

8 A. It wouldn't.

9 Q. Where would real estate fit into that?

10 A. It wouldn't.0 2 : 5 5

11 Q. Is private equity safe, liquid, and conservativ e?

12 A. No, generally not.

13 Q. What about real estate? Mr. Fazel asked you ab out whether

14 you can have stocks that own real estate and you can short

15 those stocks. Do you remember that series of que stions?0 2 : 5 5

16 A. Yes.

17 Q. Is real estate liquid?

18 A. No.

19 Q. Is real estate consistent with what Tier III sa ys right

20 there?0 2 : 5 6

21 A. No.

22 Q. Is shorting equities that own real estate a con servative,

23 safe investment strategy?

24 A. No.

25 Q. You were asked a series of questions on cross-e xamination0 2 : 5 6


1768

1 about whether you thought it was fraudulent or il legal about0 2 : 5 6

2 owning real estate, about owning private equity. Do you recall

3 that?

4 A. I do.

5 Q. Would there be anything fraudulent if investors were told0 2 : 5 6

6 that Tier III, the largest tier, consisted of lar ge tier, blue

7 chips, long term bonds, very conservative, when, in fact, it

8 consisted of private equity?

9 THE COURT: Hold it a second.

10 MR. FAZEL: Object to the form of the question.0 2 : 5 6

11 THE COURT: Hold it a second.

12 Cher, could you read back the first phrase?

13 (The requested portion of the record was read back by the

14 court reporter)

15 THE COURT: Again, the first phrase, just the fir st0 2 : 5 7

16 phrase.


18 court reporter)

19 THE COURT: Sustained as to the form of the quest ion.

20 It's almost like an ultimate issue. So, just rep hrase it.0 2 : 5 7


22 BY MR. WARREN:

23 Q. Would there be anything wrong, in your mind, wi th telling

24 investors that information when, in fact, there w as private

25 equity in Tier III?0 2 : 5 7


1769

1 MR. FAZEL: Object to the form of the question.0 2 : 5 7


3 THE WITNESS: Yes, that would be correct.

4 BY MR. WARREN:

5 Q. Is there anything wrong, in your opinion, with telling0 2 : 5 7

6 investors that information when there was real es tate in

7 Tier III?

8 MR. FAZEL: Objection, facts not in evidence, you r

9 Honor.


11 THE WITNESS: That would be correct.

12 BY MR. WARREN:

13 Q. What would be correct?

14 THE COURT: Would it be okay or not okay?

15 THE WITNESS: It would not be okay to misrepresen t.0 2 : 5 7

16 MR. WARREN: If we can turn to Page 20 of that

17 exhibit, please.

18 THE COURT: By the way, when I say it's the "ulti mate

19 issue," it was the ultimate issue phrased as a ve ry legal type

20 phraseology. So, I think you cleaned it up. Go on.0 2 : 5 7

21 MR. WARREN: Understood, your Honor. Thank you.

22 If we look on the right-hand side of the page,

23 please.

24 BY MR. WARREN:

25 Q. Do you see where it says, "Are most investments in stocks0 2 : 5 8


1770

1 and bonds?" Do you see that question?0 2 : 5 8

2 A. Yes.

3 Q. And what's the answer that was provided in this SIO manual,

4 which you explained as a standard operating proce dure for

5 talking to clients?0 2 : 5 8

6 A. I don't understand the question.

7 Q. What's the answer that's written in this manual ,

8 Mr. Collinsworth?

9 A. Oh. "Yes."

10 Q. Would there be anything wrong with telling clie nts that0 2 : 5 8

11 most of the investments are in stocks and bonds i f that weren't

12 true?

13 A. Yes, that is a problem.

14 Q. Mr. Collinsworth, if you could turn to Page 21 of the

15 manual -- I'm sorry, you don't have it in front o f you. We're0 2 : 5 9

16 working off the computer.

17 MR. WARREN: If we look at the -- (indicating).

18 BY MR. WARREN:

19 Q. Mr. Collinsworth, could you please read the que stion and

20 answer contained in that SIO manual?0 2 : 5 9

21 A. "If the portfolio imploded, would I still get m y money?

22 Absolutely. Clients are always paid first, wheth er it's

23 interest and/or principal. However, given the di versification

24 of the portfolio, it is highly unlikely that the portfolio

25 would implode. The portfolio is globally diversi fied across0 2 : 5 9


1771

1 countries, asset classes, sectors, and currencies and is0 2 : 5 9

2 invested in more than 12 markets at any given tim e.

3 Furthermore, SIBL has maintained advisory relatio nships with

4 some of the most astute and experienced portfolio advisors for

5 more than 20 years. In those 20 years, the portf olio has never0 2 : 5 9

6 lost money."

7 Q. And could you continue reading the next paragra ph, please?

8 A. "The bank has been profitable every year except 1987, at

9 which time the investment portfolio's 18 percent return was not

10 ample enough to cover overhead and the 14 percent rates that0 3 : 0 0

11 were paid in that year. If the portfolio missed its target

12 return or if there was an implosion of some sort, clients would

13 still be paid and the bank would suffer a loss fo r that year."

14 Q. Mr. Collinsworth, is there anything wrong about telling CD

15 depositors that they would absolutely get their m oney if the0 3 : 0 0

16 portfolio imploded if that weren't the case?

17 A. Correct, it's called lying.

18 Q. And is there anything wrong with telling invest ors that the

19 portfolio was globally diversified across countri es, asset

20 classes, sectors, and currencies, and invested in more than0 3 : 0 0

21 12 markets if that weren't the case?

22 A. That would be correct, also.

23 Q. And is there anything wrong with telling invest ors that the

24 bank has been profitable every year if it hadn't been

25 profitable every year?0 3 : 0 1


1772

1 A. That is correct also.0 3 : 0 1

2 Q. Mr. Collinsworth, I would like to go back to th e fish bowl

3 for a moment. Do you recall being asked about th e Antiguan

4 rotations on cross?

5 A. Yes.0 3 : 0 1

6 Q. Can you remind the jury, please, who set up tha t program,

7 the fish bowl program?

8 A. It was -- by "set up," it was Mr. Stanford and Laura that

9 actually set it up.

10 Q. Do you know what Mr. Davis' view of that progra m was?0 3 : 0 1

11 A. He didn't like it.

12 Q. You said that at the time you were down there, there was a

13 three-month trip plus four or five subsequent tri ps. Is that

14 correct?

15 A. Correct.0 3 : 0 1

16 Q. You never spoke with a single client?

17 A. Other than saying hi.

18 Q. And do you recall Mr. Fazel asked you whether t here was

19 anything wrong with that and you said --

20 A. Yes.0 3 : 0 1

21 Q. -- no, there's nothing wrong with that? Do you recall that

22 testimony?

23 A. Yes.

24 Q. Now, if the whole thing were just a charade and so you

25 could sit there and wave at clients as they walke d by, to make0 3 : 0 2


1773

1 it look like you were doing something different, would there be0 3 : 0 2

2 anything wrong with that?

3 MR. FAZEL: Objection, speculation.


5 BY MR. WARREN: 0 3 : 0 2

6 Q. On cross-examination Mr. Fazel asked you if the re was

7 anything untoward, I think was the word he used, about being

8 available to talk to clients. Do you recall that ?

9 A. Yes.

10 Q. What were you told as to what you could and cou ldn't talk0 3 : 0 2

11 to clients about when you were in the fish bowl?

12 A. We could not discuss any of the actual investme nts of

13 Tier II.

14 Q. And what's the reason that you were told that?

15 A. Because of the banking laws for privacy in Anti gua.0 3 : 0 2

16 Q. Now, did you ever check the Antiguan banking se crecy laws?

17 A. No, I did not.

18 Q. Did anyone ever show you Antiguan legislative d ocuments?

19 A. No.

20 Q. Ever have an Antiguan lawyer come and say -- or an Antiguan0 3 : 0 2

21 regulator come and say, "This is what you can tal k about, and

22 this is what you can't talk about"?

23 A. No.

24 Q. Are you aware that Antiguan secrecy law only pr otects

25 against disclosing customer information and not d isclosing --0 3 : 0 3


1774

1 MR. FAZEL: I'm sorry. Object.0 3 : 0 3

2 THE COURT: Don't answer the question.

3 Not -- finish the question. There's an

4 objection. Go on.

5 MR. WARREN: Yes, your Honor.0 3 : 0 3

6 BY MR. WARREN:

7 Q. Are you aware that Antiguan secrecy law protect s only

8 against disclosing customer information, not agai nst disclosing

9 the bank's assets and financials?

10 MR. FAZEL: He's already said that he does not kn ow0 3 : 0 3

11 about Antiguan law. He's asking him to form a le gal opinion,

12 facts not in evidence and leading.


14 BY MR. WARREN:

15 Q. Mr. Collinsworth, if, in fact, there was no Ant iguan bank0 3 : 0 3

16 secrecy law that prevented you from talking to cl ients about

17 the assets in Tier II --

18 THE COURT: Hold it. Repeat it.

19 Again, when you see the other lawyer get up,

20 don't answer the question.0 3 : 0 3

21 State it again, and I'll listen to it.

22 MR. WARREN: Should I finish the question, your H onor?

23 THE COURT: Well, it depends upon if you got some body

24 standing up back there. If you can get around it , fine. If

25 you can't, ask your question and I'll rule on it.0 3 : 0 4


1775

1 MR. WARREN: Of course.0 3 : 0 4

2 BY MR. WARREN:

3 Q. If, in fact, there was no such Antiguan secrecy law and you

4 were just told that so that investors didn't find out what the

5 actual amount of assets were in Tier II, would th ere be0 3 : 0 4

6 anything wrong that?

7 MR. FAZEL: Facts not in evidence, speculation.


9 BY MR. WARREN:

10 Q. Mr. Collinsworth, do you recall being asked que stions about0 3 : 0 4

11 Davis and Ms. Holt hiring people who worked in Me mphis, on

12 cross-examination?

13 A. I do.

14 Q. You talked about Wade McGee, right?

15 A. I do.0 3 : 0 4

16 Q. He was the farmer?

17 A. I do, yes.

18 Q. And the Russian analyst who didn't know anythin g about the

19 Russian markets?

20 A. Yes.0 3 : 0 4

21 Q. What tiers did they work on?

22 A. Tier II.

23 MR. WARREN: Exhibit 1602, please.

24 BY MR. WARREN:

25 Q. Mr. Collinsworth, I'm showing you Exhibit 1602, which is0 3 : 0 4


1776

1 already in evidence. Does the fact that Mr. Davi s and Ms. Holt0 3 : 0 4

2 hired people who may not have had the required ex perience to be

3 a financial analyst change the fact that this doc ument shows

4 the total amount of assets in Tier II as of these time periods?

5 A. No.0 3 : 0 5

6 Q. Does the fact that the Russian analyst didn't u nderstand or

7 didn't know about the Russian steel company chang e the fact

8 that as of the end of 2008 there was only $455 mi llion in

9 Tier II?

10 MR. FAZEL: I'm sorry, your Honor. Can I have a0 3 : 0 5

11 continuing objection as to leading the witness?

12 THE COURT: No, no. You're entitled to get up an d

13 object.

14 MR. FAZEL: I'm sorry. Then I object to leading the

15 witness.0 3 : 0 5


17 THE WITNESS: That's correct.

18 BY MR. WARREN:

19 Q. What's correct?

20 A. That the two -- the Russian analyst and the 455 million are0 3 : 0 5

21 not related.

22 Q. Does anything about who hired who and what the people's

23 requirements and credentials were affect that thi s was the

24 amount of money in Tier II?

25 A. No.0 3 : 0 5


1777

1 Q. Mr. --0 3 : 0 5

2 THE COURT: By the way, as I mentioned to the jur y and

3 I'll again mention it to you, don't hold it again st either side

4 for getting up and objecting. That's how it work s. They bring

5 it to my attention, and I will have to rule. So, any time you0 3 : 0 6

6 see the lawyer gets up, that's how trials are con ducted.

7 Go right ahead, please.


9 BY MR. WARREN:

10 Q. On cross-examination do you remember Mr. Fazel asking you0 3 : 0 6

11 about your knowledge of other global money manage rs' accounts

12 that could have contained the Tier III assets?

13 A. Correct.

14 Q. And you said you didn't know if there were or t here

15 weren't, correct?0 3 : 0 6

16 A. Right.

17 Q. Who managed the Credit Suisse accounts for Tier II?

18 A. I did.

19 Q. Who was the point of contact at Credit Suisse?

20 A. Ziad Jaziri, "Jaziri."0 3 : 0 6

21 Q. Did you ever ask Mr. Jaziri about whether he kn ew of other

22 Tier III accounts at Credit Suisse?

23 MR. FAZEL: Objection, asks for hearsay and assum es

24 facts not in evidence.

25 THE COURT: Overruled. 0 3 : 0 6


1778

1 Did he ever ask, correct? That's the question?0 3 : 0 6

2 MR. WARREN: Yes.

3 THE COURT: Okay. Overruled as to that.

4 BY MR. WARREN:

5 Q. Did you ever ask?0 3 : 0 6

6 A. I did.

7 Q. Did Mr. -- what's his name again? I'm sorry.

8 A. "Jaziri."

9 Q. Did Mr. Jaziri ever identify other accounts to you at

10 Credit Suisse where Tier III money was?0 3 : 0 7

11 MR. FAZEL: Objection, asks for hearsay testimony as

12 to whether a third party identified anything, and

13 confrontation.


15 THE WITNESS: Could you ask the question again?0 3 : 0 7

16 MR. WARREN: Yes. If you can read back the quest ion.

17 THE COURT: It's a yes-or-no question.


19 THE COURT: Go right ahead.

20 MR. WARREN: I'm sorry. I'll ask it again.0 3 : 0 7

21 THE COURT: It's up to you.

22 BY MR. WARREN:

23 Q. Did Mr. --

24 A. "Jaziri."

25 Q. -- Jaziri, the custodian at Credit Suisse, ever identify0 3 : 0 7


1779

1 other accounts at Credit Suisse where Tier III mo ney was held?0 3 : 0 7

2 A. No.

3 MR. WARREN: Your Honor, I'll wait to see if ther e's

4 an objection before we spend time establishing fo undation.

5 THE COURT: All right.0 3 : 0 8

6 MR. FAZEL: Your Honor, my objection would be the same

7 as to other documents. It's foundation and hears ay. If it's

8 not brought in for the truth of the matter assert ed, then just

9 the foundation.

10 MR. WARREN: It's certainly not being offered for the0 3 : 0 9

11 truth, your Honor.

12 THE COURT: Okay. Then to that extent, what's th e

13 number?

14 MR. WARREN: 127.

15 THE COURT: All right. 127.0 3 : 0 9

16 Remains admitted under the prior restriction --

17 MR. FAZEL: Except for foundation, objection. If you

18 want to overrule, I understand; but I want to lod ge that

19 objection.

20 MR. WARREN: We can establish foundation, your Ho nor.0 3 : 0 9

21 THE COURT: All right. Go ahead.

22 BY MR. WARREN:

23 Q. Mr. Collinsworth, I'm handing you what has been marked

24 Government Exhibit 127 for identification. And i f I could

25 direct you to -- I'm sorry -- on the first page. Do you0 3 : 1 0


1780

1 recognize this document?0 3 : 1 0

2 A. Yes.

3 Q. What is it?

4 A. It's a research report of the SIBL quarterly fo r first

5 quarter of 2008.0 3 : 1 0

6 Q. Did you receive this document while you were em ployed at

7 Stanford?

8 A. I did.

9 MR. WARREN: Your Honor, at this time I offer

10 Government Exhibit 112.0 3 : 1 0

11 MR. FAZEL: Same objection, your Honor.

12 THE COURT: Who is it issued by?

13 MR. WARREN: It's a --

14 THE COURT: I'm saying, sir, who is it issued by?

15 THE WITNESS: It is sent from Memphis research.0 3 : 1 0

16 THE COURT: That's your operation?

17 THE WITNESS: That was the group in Memphis, yes, your

18 Honor.

19 THE COURT: Your group. Okay.

20 Overrule the objection.0 3 : 1 0

21 BY MR. WARREN:

22 Q. Mr. Collinsworth, let's start on the first page . This

23 document is being sent from who?

24 A. The Memphis research group.

25 Q. What's the date of it?0 3 : 1 1


1781

1 A. April 25th, 2008.0 3 : 1 1

2 Q. Are you copied on this document?

3 A. I am.

4 Q. Okay. If we could turn to the third quarter re port. I

5 believe it's the last three pages of the exhibit.0 3 : 1 1

6 Mr. Collinsworth, what is this document, this

7 particular document?

8 A. It is the Stanford International Bank quarterly update.

9 Q. From what period?

10 A. July 1st of 2008, to September 30th of 2008.0 3 : 1 2

11 Q. If you turn to the last page of the document, p lease?

12 A. (Complies).

13 Q. Mr. Collinsworth, what was the total amount of assets that

14 Stanford International Bank was reporting as of S eptember 30th

15 of 2008?0 3 : 1 2

16 A. 8.5 billion.

17 Q. And if I could go back to use the diagram that Mr. Fazel

18 had drawn -- I'm sorry.

19 Mr. Collinsworth, again, what's the total

20 reported assets?0 3 : 1 3

21 A. 8.5 billion.

22 Q. And do you see any breakdown for cash listed he re?

23 A. No.

24 Q. But do you see a breakdown of the investment po rtfolio of

25 the bank?0 3 : 1 3


1782

1 A. Yes.0 3 : 1 3

2 Q. And what's the investment portfolio?

3 A. 8.4 billion.

4 Q. What tiers did you understand to be included in the

5 investment portfolio?0 3 : 1 3

6 A. That would be totals of Tiers I, II, and III.

7 Q. Now, Mr. Fazel asked you some questions regardi ng

8 September 30th of 2008. Do you recall that?

9 A. I do.

10 Q. He asked you about the total -- some number for SGC; and0 3 : 1 4

11 you didn't actually know the number, did you?

12 A. Correct.

13 Q. And he asked you some number for BOA, and you d idn't know

14 that number either?

15 A. Correct.0 3 : 1 4

16 Q. Let's start with BOA, Bank of Antigua. Was any money in

17 Bank of Antigua part of Tiers I, II, or III?

18 A. Not to my knowledge, no.

19 Q. Was it part of -- as you understood, part of th e assets of

20 Stanford International Bank?0 3 : 1 4


22 Q. Who did the money in Bank of Antigua belong to?

23 A. The citizens of Antigua, that made deposits.

24 Q. Could Mr. Stanford, as you understood it, have simply

25 liquidated those customers' accounts to pay off i nvestors of0 3 : 1 4


1783

1 the SIB CDs?0 3 : 1 4

2 A. Yes.

3 Q. He could have just taken the money from the cit izens of the

4 Antiguan bank to pay off --

5 A. Oh, no, no, no. No. No. I misunderstood.0 3 : 1 5

6 Q. Is this number, which you said you don't even k now whether

7 it's accurate or not, part of SIB -- excuse me -- part of this

8 number here, the 8.4 billion?

9 A. I do not know if that's part of it.

10 Q. As you understood, it wasn't a part of it?0 3 : 1 5

11 A. Correct, is not a part of it.

12 Q. What about the amounts of money in SGC, whose m oney was

13 that?

14 A. That was the clients' money.

15 Q. The clients' money that would be invested in wh at types of0 3 : 1 5

16 assets?

17 A. Stocks, bonds, mutual funds, annuities.

18 Q. So, if I opened an account at Merrill Lynch, fo r example,

19 and had someone buy some shares of Microsoft or a mutual fund,

20 that would be part of this number, as you underst and it?0 3 : 1 5

21 A. Correct.

22 Q. Was that part of the assets of the bank?

23 A. No.

24 Q. Was that part of Tier I, II, or III?

25 A. No.0 3 : 1 5


1784

1 Q. Did this number have anything to do with the to tal assets0 3 : 1 5

2 reported by the bank?

3 A. No.

4 Q. Are you aware that Exxon reported in September of 2008 it

5 had $256 billion in assets?0 3 : 1 6

6 MR. FAZEL: Objection to the relevance of what Ex xon

7 reported.

8 THE COURT: What's the relevance?

9 MR. WARREN: I'm about to show, your Honor, that it's

10 not relevant, just like these numbers aren't rele vant.0 3 : 1 6

11 THE COURT: Sustain the objection both -- if

12 everything is irrelevant, move on to something th at is not

13 irrelevant.

14 BY MR. WARREN:

15 Q. Mr. Collinsworth, are the assets of any other c ompany0 3 : 1 6

16 that's not owned by the bank, not included in Tie rs I, II, and

17 III relevant to that number?

18 MR. FAZEL: Object to the form of the question, y our

19 Honor.

20 THE COURT: I didn't understand it. I think it m ay0 3 : 1 6

21 have been a double negative there. Will you try it again?


23 BY MR. WARREN:

24 Q. Are the assets of any company that's not owned by Stanford

25 International Bank and not part of Tiers I, II, o r III relevant0 3 : 1 7


1785

1 to what Stanford International Bank is reporting as its total0 3 : 1 7

2 assets?

3 A. No.

4 Q. Mr. Collinsworth, I almost forgot. The $31 bil lion in

5 assets under management that Mr. Fazel asked you about, did you0 3 : 1 7

6 know whether that was the number of assets under management by

7 SGC?

8 A. No.

9 Q. Is that number relevant to anything with regard to SIB's

10 portfolio?0 3 : 1 7

11 A. No.

12 Q. Mr. Collinsworth, do you remember being asked o n

13 cross-examination about Bank of Fazel?

14 A. Yes.

15 Q. And Mr. Fazel asked you whether there's anythin g improper0 3 : 1 8

16 about a bank pooling money?

17 A. Correct.

18 Q. And that's how banks work, correct?

19 A. Correct.

20 Q. Now, Stanford International Bank wasn't a regul ar0 3 : 1 8

21 commercial bank, was it?

22 A. Correct.

23 Q. Stanford International Bank didn't make car loa ns or house

24 loans, like that?

25 A. No.0 3 : 1 8


1786

1 Q. They didn't have checking accounts?0 3 : 1 8

2 A. SIBL?

3 Q. SIBL.


5 Q. SIBL, as you understood, sold what product?0 3 : 1 8

6 A. Bank CDs.

7 Q. And what did it do with the money that it got?

8 A. Took the money and invested it.

9 Q. Now, if depositors were told that the money use d to

10 purchase these CDs was being invested in safe liq uid assets and0 3 : 1 8

11 that wasn't true, is there anything wrong with th at?

12 MR. FAZEL: Judge, I'm going to object to the for m of

13 the question. It's leading and also facts not in evidence.

14 THE COURT: Overruled. That's in your experience .

15 Generally I allow you to answer it "yes" or "no."0 3 : 1 9

16 THE WITNESS: Can you repeat the question?

17 THE COURT: Read it back, please, so we can have it

18 exact.


20 court reporter)0 3 : 1 9

21 THE WITNESS: Yes, that would be a problem.

22 BY MR. WARREN:

23 Q. To this day, have you seen a single document sh owing the

24 assets of Tier III?

25 A. No.0 3 : 1 9


1787

1 Q. A single bank statement?0 3 : 1 9

2 A. No.

3 Q. A single report consolidating bank statements?

4 A. No.

5 Q. Anything, a scrap of paper, written on a napkin , showing0 3 : 1 9

6 what the assets were in Tier III?

7 A. No.

8 Q. Have you talked with a single money manager in a European

9 bank who said, "I have a Tier III account with lo ts of money in

10 it"?0 3 : 1 9

11 A. No.

12 Q. If SIB's money was not being invested as repres ented and

13 there weren't sufficient assets to pay off the CD depositors,

14 would that be a problem?

15 A. That would be.0 3 : 2 0

16 Q. And if Mr. Stanford -- strike that.

17 Were you ever told that Mr. Stanford had taken

18 $2 billion in loans out of SIB?

19 MR. FAZEL: Object to the form of the question an d

20 facts not in evidence.0 3 : 2 0


22 THE WITNESS: No.

23 THE COURT: Hold it. Whether it's fact or not, s aying

24 it could be -- and some of these, of course, are -- goes to the

25 weight, not to the basic admissibility and that's a jury0 3 : 2 0


1788

1 question.0 3 : 2 0

2 Go on.

3 BY MR. WARREN:

4 Q. Were you ever told that Mr. Stanford had taken $2 billion

5 in loans out of SIB?0 3 : 2 0

6 A. No.

7 Q. Were you ever shown a document that Mr. Stanfor d --

8 THE COURT: Did you know at all if that happened?

9 THE WITNESS: No.

10 THE COURT: Okay. Next question.0 3 : 2 0

11 BY MR. WARREN:

12 Q. If Mr. Stanford had taken $2 billion in loans o ut of the

13 banks, money that wasn't being invested as report ed like on

14 that report, would that have been a problem?

15 MR. FAZEL: Leading, speculation, foundation.0 3 : 2 0

16 THE COURT: Sustained. You don't have to ask tha t

17 question. I think it's -- in other words, that's part of the

18 ultimate question in this case. Go on.

19 MR. WARREN: Yes, your Honor. Court's indulgence .

20 Pass the witness, your Honor.0 3 : 2 1

21 THE COURT: Thank you.

22 RECROSS-EXAMINATION

23 BY MR. FAZEL:

24 Q. Mr. Collinsworth, do you remember when Mr. Warr en was

25 putting X's on my chart? Do you remember that ju st a minute0 3 : 2 1


1789

1 ago?0 3 : 2 1

2 A. Yes.

3 Q. He kind of X'd everything out?

4 A. Yes.

5 Q. Okay. Well, wasn't the point of that chart, as you0 3 : 2 1

6 understood it, not whether what Exxon invested bu t to show how

7 much -- what the percentage of CDs were, that in fact they were

8 only 14 percent of the total assets of Stanford? That's the

9 whole point of this chart, right?

10 A. Stanford of -- the entire umbrella of Stanford?0 3 : 2 1

11 Q. Correct?

12 A. Correct.

13 Q. The entire umbrella of Stanford is not just SIB L, SGC, BOA,

14 and all those. There's hundreds of companies, co rrect?

15 A. Correct.0 3 : 2 1

16 Q. And this shows just 14 percent of this was CDs of the

17 entire Stanford empire, correct?

18 MR. WARREN: Objection, your Honor. The witness has

19 said before he doesn't have knowledge of the asse ts in the

20 other --0 3 : 2 2

21 THE COURT: I'll let him answer, see if he change s his

22 mind.

23 BY MR. FAZEL:

24 Q. Is that correct?

25 A. Correct, that is accurate.0 3 : 2 2


1790

1 Q. Okay. So, all these red X's that the governmen t was so0 3 : 2 2

2 kind to do on my chart were actually incorrect.

3 MR. FAZEL: Can I have a blue one so we get --

4 MR. WARREN: I move to strike, your Honor. It wa sn't

5 a question.0 3 : 2 2

6 THE COURT: Granted.

7 MR. FAZEL: Which part of it, your Honor? I'll r e-ask

8 it. Which part are you striking, so I can reask it?

9 THE COURT: Whatever he said. Go on.

10 MR. FAZEL: Okay.0 3 : 2 2

11 THE COURT: Try it again, counsel.

12 BY MR. FAZEL:

13 Q. Forget Exxon. We're not here about Exxon, righ t?

14 A. Correct.

15 Q. By the way, since he brought up Exxon, do they ever pay0 3 : 2 2

16 taxes?

17 THE COURT: Who is "they"?

18 MR. FAZEL: Exxon.

19 THE WITNESS: Exxon does pay taxes.

20 MR. WARREN: Object to relevance.0 3 : 2 2

21 THE COURT: Overruled. Move on.

22 MR. FAZEL: They're the one brought it up. All r ight.

23 BY MR. FAZEL:

24 Q. So, let's be clear about this. We know that th is -- you

25 saw reporting of $7.9 billion, right? That's rep orted,0 3 : 2 3


1791

1 correct?0 3 : 2 3

2 A. Correct.

3 Q. And the prosecutor went into detail about have you received

4 a scrap of paper and napkins. Do you remember al l those

5 questions?0 3 : 2 3

6 A. Correct.

7 Q. That shows where the assets were?

8 A. Correct.

9 Q. Have you ever seen a scrap of paper, a napkin, or anything

10 that shows the assets weren't there?0 3 : 2 3

11 A. Well, no.

12 Q. No. Has the government ever showed you anythin g that said

13 those assets weren't there in 2003?

14 A. Well, no.

15 Q. 2001?0 3 : 2 3

16 A. No.

17 Q. 2000?

18 A. No.

19 Q. 1999?

20 A. No.0 3 : 2 3

21 Q. 1998?

22 A. I wasn't there in '98.

23 Q. Let's go the other way. 2001?

24 A. No.

25 Q. 2002?0 3 : 2 3


1792

1 A. No.0 3 : 2 3

2 Q. 2003?

3 A. No.

4 Q. 2004?

5 A. No.0 3 : 2 3

6 Q. 2005?

7 A. No.

8 Q. 2006?

9 A. No.

10 Q. 2007?0 3 : 2 3

11 A. No.

12 Q. 2008?

13 A. No.

14 Q. So, you don't know either one way or the other?

15 I mean, we know what the government is saying;0 3 : 2 3

16 but you don't know the facts about whether the as sets were

17 there or not, right?

18 A. Correct.

19 THE COURT: You just saw what? The paperwork? I s

20 that correct, you saw the paperwork?0 3 : 2 4

21 THE WITNESS: The paperwork --

22 THE COURT: For all those years?

23 THE WITNESS: I just saw those statements that sa id

24 the 8 billion. So, I don't know.



1793

1 BY MR. FAZEL: 0 3 : 2 4

2 Q. You have no idea whether they're true or not tr ue. You

3 just have to assume the government's version that they're not

4 true, correct?

5 A. I guess.0 3 : 2 4

6 Q. Well, we don't want to assume anything, do we?

7 A. No.

8 Q. Now, do you remember how Mr. Warren talked abou t the fact

9 that you went -- asked question after question ab out whether

10 you knew Mr. Stanford ever spoke to Mr. Davis, ho w often they0 3 : 2 4

11 spoke and all that. Do you remember that, Mr. Co llinsworth?

12 A. Correct.

13 Q. You know for a fact, because you testified, tha t Mr. Davis

14 tried to lie to Mr. Stanford and change numbers. We know that

15 for a fact, right?0 3 : 2 4

16 A. Yes.

17 Q. We know for a fact that Ms. Holt also tried to do the same

18 thing and help Mr. Davis lie to Mr. Stanford when Mr. Stanford

19 was trying to give accurate information, correct? We know

20 that, right?0 3 : 2 5

21 A. Yes.

22 Q. How many times do you have to talk to somebody before you

23 have to lie to them like they did the occasion th at you're

24 aware of?

25 A. I have no idea.0 3 : 2 5


1794

1 Q. Just takes one lie, doesn't it?0 3 : 2 5

2 A. Yes.

3 Q. We know for a fact that Mr. Davis lied to Mr. S tanford

4 about the $2 million that Mr. Stanford had given Mr. Davis to

5 invest in the commodities, right? We know about that?0 3 : 2 5

6 A. Correct.

7 Q. They lost all that money. You know that for a fact, right?

8 A. Yes.

9 Q. And then lied to Mr. Stanford about that, didn' t they?

10 A. Yes.0 3 : 2 5

11 Q. We know, because you testified to the fact, tha t

12 Mr. Stanford came up there where you were, twice that you

13 remember, correct?

14 A. Correct.

15 Q. In all the time that you were there, he went up there two0 3 : 2 5

16 times, correct?

17 A. Correct.

18 Q. We know for a fact that when he wanted informat ion, as far

19 as you're aware of, he asked information as to sp ecificity as

20 to SIM model from Mr. Davis and Ms. Holt, right?0 3 : 2 6

21 A. Correct.

22 Q. We know for a fact that Mr. Davis and Ms. Holt were the

23 ones that were the numbers people, correct?

24 A. Correct.

25 Q. We know for a fact that Ms. Davis -- Mr. Davis and Ms. Holt0 3 : 2 6


1795

1 were the ones that ran the operation when you wer e there. We0 3 : 2 6

2 know that for a fact, do we not?

3 A. Correct.

4 Q. Do you remember Mr. Warren talking to you about

5 Government's Exhibits 207, 208, 209, 210, 211, 21 2, 213, and0 3 : 2 6

6 214? Do you remember all those?

7 A. I do.

8 Q. Do you remember all those exhibits that were e- mails

9 allegedly going to Mr. Stanford, talking about th e weekly

10 tracking report?0 3 : 2 6

11 A. Yes.

12 Q. Did you notice something interesting about thos e reports?

13 A. No.

14 Q. Do you have them in front of you?

15 A. I don't think so. 0 3 : 2 7

16 MR. FAZEL: Does the government have all those

17 reports?

18 BY MR. FAZEL:

19 Q. These are the actual reports that are in eviden ce.

20 A. Okay.0 3 : 2 7

21 Q. Look at the dates for me. Let's go through the m together.

22 The government says, "Oh, but Mr. Stanford was up dated on some

23 basis. Let's go over that.

24 Government Exhibit 207, 12-1-03, correct?

25 A. Let me find it. Okay.0 3 : 2 7


1796

1 Q. Look, it's up there for you. She's nice enough to do that.0 3 : 2 7

2 I'm sorry.

3 Do you see that, the date on that?

4 A. Yes.

5 Q. And if we back out of that and look at the enti re e-mail,0 3 : 2 7

6 does that reflect the correct date and time?

7 A. Yes.

8 Q. Look at the next report, Government Exhibit 208 . Next one

9 is June 21st, 2004?

10 A. Yes.0 3 : 2 8

11 Q. What's the -- how many -- what about the other months?

12 What happened to them?

13 A. I don't know.

14 Q. Did they ever get to Mr. Stanford?

15 A. I don't know.0 3 : 2 8

16 Q. The government produce them?

17 A. I don't know.

18 Q. Did they ask you about them?

19 A. No.

20 Q. All right. Let's look at the next one. Look a t Government0 3 : 2 8

21 Exhibit Number 208, that date is 1-21-04. Do you see that

22 date?

23 A. Yes.

24 Q. Look at Government's Exhibit 209. What's the d ate on that?

25 A. October 31st, 2007.0 3 : 2 8


1797

1 Q. 2007. So, according to the government's own ev idence,0 3 : 2 8

2 Mr. Stanford wasn't updated for three and a half years?

3 MR. WARREN: Objection, your Honor. He's

4 mischaracterizing two documents as representing t he entirety of

5 the government's evidence.0 3 : 2 9

6 THE COURT: Well, rephrase it. You may rephrase it.

7 BY MR. FAZEL:

8 Q. The evidence produced to you, produced in front of this

9 jury, shows Government Exhibit 208 being January 21st, 2004.

10 Is that correct?0 3 : 2 9

11 A. Yes.

12 Q. And Government's Exhibit 209 as 10-31-07. Is t hat correct?


14 MR. FAZEL: By the way, your Honor, that's my sis ter's

15 birthday, just --0 3 : 2 9

16 THE COURT: Okay. Thank you.

17 BY MR. FAZEL:

18 Q. That's three and a half years, is it not?


20 Q. Look at Government's Exhibit 2010.0 3 : 2 9

21 MR. WARREN: 210, counsel.

22 MR. FAZEL: 200 -- I'm sorry. Thank you. 210,

23 correct.

24 BY MR. FAZEL:

25 Q. I guess my point is, Mr. Collinsworth, one can look at this0 3 : 2 9


1798

1 and see how sporadic this was sent over to Mr. St anford, can we0 3 : 2 9

2 not? Can you agree with that?

3 A. Correct.

4 Q. Would you agree with the term "sporadic"?

5 A. Sporadic, yes.0 3 : 3 0

6 Q. Now, turning to Government's Exhibit 218, do yo u remember

7 going over that? And I believe you actually have a copy of

8 that in front of you, correct?

9 Sorry. Let me get this out of your way. It's

10 right here (indicating).0 3 : 3 0

11 Was this ever implemented?

12 A. The SIO manual?

13 Q. Right.


15 Q. Was it ever provided company wide? Did anybody use it?0 3 : 3 0

16 A. I don't know.

17 Q. Was it ever shown to clients?


19 Q. Were FA's ever trained on it?

20 A. I don't know.0 3 : 3 0

21 Q. I mean, it's pretty, it's got colors and everyt hing; but

22 was it ever used?

23 A. No, I don't know.

24 Q. Let's talk about the SIM model. Do you remembe r talking to

25 Mr. Warren about the SIM model?0 3 : 3 1


1799

1 A. Yes, I do.0 3 : 3 1

2 Q. Good. You said that there's two SIM projects g oing on at

3 the same time. One was the so-called -- I think the government

4 called it a computer program or game of some sort s?

5 A. Correct.0 3 : 3 1

6 Q. Did you take it as a game when you were running it?

7 A. I don't think they meant it as a game; but I kn ow what

8 you're saying, yes.

9 Q. I mean, my point is it wasn't a game; it was ac tually you

10 were tracking things to see how well you did?0 3 : 3 1

11 A. Correct.

12 Q. It's something used that's in the industry, rig ht?

13 A. Correct.

14 Q. There's no games about that, is there?

15 A. No.0 3 : 3 1

16 Q. Do you remember the one that was run by Mr. -- I hate to do

17 this to his name -- D'Amato -- how do you say --

18 A. "D'Amato."

19 Q. -- D'Amato, he ran the other project?

20 A. With the actual funds in it, yes.0 3 : 3 2

21 Q. Right. And that was a real deal?

22 MR. WARREN: Your Honor, I would just object as b eyond

23 the scope of redirect.

24 THE COURT: I think we've been over that before.

25 MR. FAZEL: But, Judge, he talked about it. I'm0 3 : 3 2


1800

1 just --0 3 : 3 2

2 THE COURT: Where?

3 MR. FAZEL: On redirect, he talked about the SIM

4 model.

5 THE COURT: All right. Overruled.0 3 : 3 2

6 MR. WARREN: Your Honor, again, I would just note we

7 talked about the SIM model and what Mr. Collinswo rth did, the

8 simulation one.

9 THE COURT: It's his time.


11 THE COURT: No, I don't mean to ignore your objec tion.

12 It's close; so, I'm going to allow him to go into it.

13 MR. WARREN: Understood, your Honor. Thank you.

14 BY MR. FAZEL:

15 Q. Weren't SIBL CDs part of the SIM model? They w ere an asset0 3 : 3 2

16 allowed to be sold under the SIM auspices?

17 A. I believe so.

18 Q. Now --

19 MR. FAZEL: Government's Exhibit 127. If we can move

20 forward to the next page. 0 3 : 3 3

21 No, no, no, back up to the first page.

22 Second page. Sorry.

23 Keep going. One more. There we go.

24 BY MR. FAZEL:

25 Q. Market recap and outlook, did you-all draft all this you0 3 : 3 3


1801

1 were at the --0 3 : 3 3

2 A. Correct.

3 Q. Anything about that that's fraudulent, fake?

4 A. No.

5 Q. Anything about that wrong, inappropriate?0 3 : 3 3

6 A. No.

7 Q. Anything about that you had an issue with?

8 A. No.

9 Q. Okay.

10 MR. FAZEL: Can you move on to the next page?0 3 : 3 3

11 Next page.

12 Okay. This page right here.

13 BY MR. FAZEL:

14 Q. Focusing on the pie chart and the numbers, do y ou have any

15 personal knowledge that these numbers are incorre ct or0 3 : 3 4

16 inaccurate?

17 A. No.

18 MR. FAZEL: Focus down on the numbers below it, s ir --

19 ma'am. Sorry.

20 BY MR. FAZEL: 0 3 : 3 4

21 Q. Any personal knowledge these numbers are inaccu rate or

22 inappropriate?

23 A. No.

24 Q. Mr. Collinsworth, you talked about speaking or the --

25 Mr. Warren spoke about talking to somebody in Swi tzerland. Do0 3 : 3 4


1802

1 you remember that?0 3 : 3 4

2 A. Yes.

3 Q. How many money managers do you think there are in the

4 world?

5 A. Thousands, a hundred thousand, tens of thousand s.0 3 : 3 4

6 Q. I don't mean this disrespectfully. Do you know all of

7 them?

8 A. No.

9 Q. Is it very simple to invest in money managers s imply you

10 have no interaction with?0 3 : 3 4

11 A. Yes.

12 Q. I mean, we talked about some of them that were on Exhibit

13 Number 127. I mean, Tier II could be invested in anything, any

14 money managers, correct?

15 A. True.0 3 : 3 5

16 Q. Let's talk about liquidity. Let's kind of hamm er that

17 down. Do you remember in the very beginning of o ur

18 conversation you and I talked about what the liqu idity ratio

19 was?

20 A. Correct.0 3 : 3 5

21 Q. I didn't make that up, did I?

22 A. No.

23 Q. I mean, that's written in financial literature, correct?

24 A. Correct.

25 Q. And that's the correct definition of "liquidity ratio"?0 3 : 3 5


1803

1 A. It's called the "current ratio."0 3 : 3 5

2 Q. "Current ratio" or "liquidity ratio." I'm sorr y.

3 A. Benjamin Graham came up with it.

4 Q. Who did?

5 A. Benjamin Graham.0 3 : 3 5

6 Q. Benjamin Graham?

7 A. Yes.

8 Q. Who was that?

9 A. That was Warren Buffett's teacher.

10 Q. Smart guy?0 3 : 3 5

11 A. Very smart.

12 Q. Current assets over current liability --

13 MR. WARREN: Your Honor, I would just object, bey ond

14 the scope of redirect.

15 MR. FAZEL: I believe he talked about --0 3 : 3 6

16 THE COURT: Let me ask you a question. Does he h ave

17 as much money as Warren Buffett, that professor?

18 THE WITNESS: Oh, he died in the Seventies. I --

19 THE COURT: All right. Overrule the objection.

20 MR. WARREN: On those grounds, your Honor?0 3 : 3 6


22 BY MR. FAZEL:

23 Q. So, when we want to know what the liquidity of ratio is --

24 that is, we want to know if something is the rati o of your

25 basket of material that's liquid, we look at this , do we not?0 3 : 3 6


1804

1 A. Correct.0 3 : 3 6

2 THE COURT: Just mention what "this" is.

3 MR. FAZEL: The basket of investments.

4 THE COURT: Okay.

5 BY MR. FAZEL: 0 3 : 3 6

6 Q. The basket of goods, if you will, if we want to know how

7 liquid it is, this is what you look at, correct?

8 A. For assets maturing in less than one year, yes.

9 Q. Okay. Anything fraudulent about that?

10 A. No.0 3 : 3 6

11 Q. Do you remember the government speaking to you about the

12 Bank of Fazel?

13 A. I do.

14 Q. We know it doesn't exist, right?

15 A. Correct.0 3 : 3 7

16 Q. All right. Okay. But we also said that there are some

17 things about the Bank of Fazel, the Bank of Ameri ca, Bank of

18 Antigua, and SIBL that are similar. Do you remem ber that?

19 A. Yes.

20 Q. They're banks, correct?0 3 : 3 7

21 A. Yes.

22 Q. Okay. And the fact that they have tier systems in them,

23 Tier I, Tier II, Tier III, is nothing unusual acr oss banks,

24 correct?

25 A. That's correct.0 3 : 3 7


1805

1 Q. And there's nothing unusual about the fact that monies that0 3 : 3 7

2 are pooled together, invested, whether it's SIBL, Bank of

3 Antigua, or anything like that; that's not unusua l, is it?

4 A. No.

5 Q. Okay. Do you remember talking about liquidity and the fact0 3 : 3 7

6 that Stanford International Bank, Limited had a 2 4 percent

7 liquidity?

8 A. I do remember that from the numbers, yes.

9 Q. It's higher than an American bank's liquidity, correct?

10 A. Correct.0 3 : 3 7

11 Q. Did you see any literature put out by SIBL that said, "All

12 of our investments are liquid"? Did you ever see that?

13 A. No.

14 Q. I mean, if all their investments were liquid, t hen how

15 could they make money?0 3 : 3 8

16 A. I don't know.

17 Q. It's not possible, right?

18 A. Correct.

19 Q. The whole idea is to invest something and in so me manner

20 for it to mature and make money on it, correct?0 3 : 3 8

21 A. Correct.

22 Q. So, it's not fair to say that all their investm ents were

23 liquid, right?

24 A. Correct.

25 Q. Nobody ever made that representation, did they?0 3 : 3 8


1806

1 A. I don't think so, no.0 3 : 3 8

2 MR. FAZEL: May I have a moment, your Honor?

3 THE COURT: You-all want to get up, stretch a lit tle

4 bit? We'll go on a little bit longer so we don't go on

5 straight two hours. You need to take a break, an yone?0 3 : 3 9

6 A JUROR: Please.

7 THE COURT: Okay. No. It's now 3:40. We'll tak e a

8 15-minute break. Be back at 3:55.

9 (Recess was taken)

10 (Jury present)0 3 : 5 8

11 THE COURT: All right. Counsel, go right ahead.


13 BY MR. FAZEL:

14 Q. Mr. Collinsworth?

15 A. Yes.0 3 : 5 8

16 Q. We're almost done, I promise.

17 A. That's okay.

18 Q. That wasn't a question.

19 All right. I want to direct your attention to


21 THE COURT: That's the most recent exhibit?

22 MR. FAZEL: Yes.


24 BY MR. FAZEL:

25 Q. Now, directing your attention to the very, very bottom of0 3 : 5 8


1807

1 the document --0 3 : 5 8

2 MR. FAZEL: Lower. Sorry. If you can highlight --

3 let me move this out of the way.

4 BY MR. FAZEL:

5 Q. Do you first see the part where it says, "These figures are0 3 : 5 8

6 unaudited, subject to adjustment"; do you see tha t?

7 A. Yes.

8 Q. Anything unusual or fraudulent about having a s tatement

9 like that?

10 A. No.0 3 : 5 8

11 Q. Okay. Now, move on to this paragraph right her e. It says:

12 "Disclaimer for Research." Do you see that?

13 A. Yes.

14 Q. Okay. It talks about that this -- read it out loud for us.

15 A. "The views expressed herein represent the indiv idual0 3 : 5 8

16 author's personal opinions and are not and should not be

17 construed as the opinions of Stanford Internation al Bank,

18 Limited, its agents, officers, directors, or shar eholders or

19 any of its affiliated companies. The authors hav e relied on

20 sources which are generally reliable; however, no0 3 : 5 9

21 representations or assurances can be made as to t heir

22 validity."

23 Q. Okay. Any issues with that, anything fraudulen t about

24 that?

25 A. No.0 3 : 5 9


1808

1 Q. One last thing about this document. Going to t he next0 3 : 5 9

2 paragraph, "any opinion stated herein," can you r ead that out

3 loud?

4 A. "Any opinion stated herein does not necessarily reflect the

5 opinions and investment strategy of Stanford Inte rnational0 3 : 5 9

6 Bank, Limited. There is no guarantee that any po sitions,

7 investments, or strategies set forth herein will remain the

8 same after the date of this publication. In addi tion, past

9 performance is not a guarantee of future results. "

10 Q. Okay. Directing your attention to where it say s, "There's0 3 : 5 9

11 no guarantees that this position" -- do you see t hat part?

12 A. Yes.

13 Q. Tell us what that means to you.

14 A. It basically means that the current positions t hat the

15 portfolio has may change over the course of time.0 4 : 0 0

16 Q. Which is absolutely normal, right?

17 A. Correct.

18 Q. That's what you want a portfolio to do?

19 A. Correct.

20 Q. Okay. Last set of questions on SIM. The part of SIM --0 4 : 0 0

21 Stanford Investment Model, the part of SIM that w as actually

22 moving forward, investments being made, run by Mr . D'Amato --

23 A. Uh-huh.

24 Q. -- that was part of Stanford Asset Management, correct?

25 A. Correct.0 4 : 0 0


1809

1 Q. All right. How much money was invested with th at, if you0 4 : 0 0

2 recall?

3 A. I do not know.

4 Q. Do you know if anybody, any clients, lost any m oney under

5 the SIM model under Stanford Asset Management eve r?0 4 : 0 0

6 A. I don't know.

7 MR. FAZEL: Okay. I pass the witness.

8 FURTHER REDIRECT EXAMINATION

9 BY MR. WARREN:

10 Q. Mr. Collinsworth, how often were the Tier II tr acking0 4 : 0 1

11 reports created?

12 A. Weekly.

13 Q. And you don't know one way or the other how oft en they were

14 sent to Mr. Stanford, do you?

15 A. No.0 4 : 0 1

16 Q. Do those tracking reports contain information n ot just for

17 the current week but historical information, as w ell?

18 A. Historical as in?

19 Q. Well, they contained information for the prior year. Do

20 you remember looking at that?0 4 : 0 1

21 A. Yes, yes, yes.

22 Q. And it contained information year-to-date perfo rmance on

23 the portfolio?

24 A. Yes.

25 Q. So, the information in each of those weekly rep orts wasn't0 4 : 0 1


1810

1 limited to just one week, was it?0 4 : 0 1

2 A. Correct.

3 Q. In the Tier II tracking portfolio -- excuse me. The

4 Tier II tracking spreadsheets, those reports, do those track

5 actual investments or hypothetical investments?0 4 : 0 1

6 A. Can you say that again?

7 Q. Sure. The Tier II tracking spreadsheets, the P alimden

8 reports --

9 A. Yes.

10 Q. -- do those track actual investments or hypothe tical0 4 : 0 1

11 investments?

12 A. Those tracked real investments.

13 Q. What about the Stanford investment model that y ou worked

14 on, did that track actual investments or hypothet ical

15 investments?0 4 : 0 2

16 A. Hypothetical.

17 Q. You were asked on recross by Mr. Fazel about th ere could be

18 thousands of worldwide money managers who can man age money,

19 right?

20 A. Correct.0 4 : 0 2

21 Q. Were you ever told that Tier III assets were he ld in a

22 Credit Suisse account?

23 A. No.

24 Q. Mr. Collinsworth, I'm handing you a document. This is a

25 memo of your report -- excuse me -- a memorandum of an0 4 : 0 2


1811

1 interview with the government. And I know you ha ven't seen0 4 : 0 2

2 this document before; but if I could focus you he re, just let

3 me know if that refreshes your recollection.

4 A. It does.

5 Q. I'll ask the previous question. Were you ever told that0 4 : 0 3

6 Credit Suisse in particular held Tier III account s?

7 A. Yes.

8 Q. Who told you that?

9 A. Laura Holt.

10 Q. In the conversation that you described prior in testimony,0 4 : 0 3

11 about calling up Mr. Jaziri in Credit Suisse when he said, "I

12 don't know of any" -- excuse me -- where he faile d to identify

13 any Tier III accounts, would that have been incon sistent with

14 what Ms. Holt told you?

15 A. Say that again.0 4 : 0 3

16 Q. Sure. Was Mr. Jaziri able to identify any Tier III

17 accounts that held money like Ms. Holt told you?

18 A. No.

19 Q. Mr. Fazel asked you on the recross about whethe r you had

20 seen any document saying that all investments wer e liquid. Do0 4 : 0 3

21 you remember that?

22 A. I do.

23 MR. WARREN: Can we pull up Exhibit 218, please,

24 Page 20?

25 BY MR. WARREN: 0 4 : 0 4


1812

1 Q. I'd like to focus your attention on the Q and A on the0 4 : 0 4

2 right side of the page.

3 "Are most investments in stocks and bonds? Yes."

4 Would that indicate that most of the investment

5 portfolio was in liquid marketable securities?0 4 : 0 4

6 A. That would indicate that, yes.

7 Q. Is that consistent with everything you had hear d about

8 where the SIB's portfolio was?

9 A. No.

10 Q. Mr. Fazel asked you whether if the investments were all0 4 : 0 4

11 liquid, whether it couldn't make any money. Do y ou recall

12 that?

13 A. Correct.

14 Q. He said, "If it's in cash, how can you make any money?"

15 A. Correct.0 4 : 0 4

16 Q. What's the difference between liquid and cash?

17 A. "Liquid" means it can be, like -- for example, a 30-year

18 treasury bond, if it's maturing in less than one year, it's

19 classified as liquid, as a current asset. Is tha t the question

20 you're --0 4 : 0 5

21 Q. Well, if the investments had been in stocks and bonds and

22 other marketable securities, would you consider t hat liquid?

23 A. That would be liquid.

24 Q. And could that make money?

25 A. Correct.0 4 : 0 5


1813

1 Q. If the money was actually invested that way?0 4 : 0 5

2 A. Correct.

3 Q. Lastly, you were asked about Bank of Fazel. If Bank of

4 Fazel operated like a Bank of Houston or a Bank o f America,

5 would the investors, the depositors in that bank have FDIC0 4 : 0 5

6 insurance?

7 A. They would.

8 Q. Do you know whether SIB depositors had FDIC ins urance?

9 A. No.

10 Q. Do you not know the answer or you know that the y did not?0 4 : 0 5

11 A. No. Because they actually told us that --

12 THE COURT: They did or did not?

13 THE WITNESS: Laura told us that it did not.

14 MR. WARREN: Court's indulgence.

15 BY MR. WARREN: 0 4 : 0 6

16 Q. Mr. Collinsworth, I'm showing you Exhibit 136,

17 Government's 136, which is already in evidence.

18 MR. WARREN: And if we could turn to Page 3 of th e

19 document.

20 MR. FAZEL: Your Honor, with all due respect to0 4 : 0 6

21 counsel, learned counsel, I believe that's outsid e of the scope

22 of direct, redirect. I don't know where --

23 THE COURT: Wasn't it? Did he go into it?

24 MR. WARREN: Yes, your Honor, he asked about

25 liquidity. That's why he was up at the board.0 4 : 0 6


1814

1 THE COURT: All right. Go on.0 4 : 0 6

2 MR. WARREN: Can we focus on the middle paragraph ,

3 please?

4 BY MR. WARREN:

5 Q. Can you please read that, Mr. Collinsworth?0 4 : 0 6

6 A. "Liquidity: We focus on maintaining the highes t degree of

7 liquidity as a protective factor for our deposito rs. The

8 bank's assets are invested in a well diversified portfolio of

9 highly marketable securities issued by stable gov ernments,

10 strong multinational companies, and major interna tional banks."0 4 : 0 7

11 Q. In theory, if the bank's assets were invested i n that way,

12 could it have made the returns that the bank was reporting?

13 A. Yes.

14 Q. And would you find it problematic if, in fact, that

15 representation to investors was false?0 4 : 0 7

16 A. Correct.

17 MR. WARREN: No further questions, your Honor.

18 FURTHER RECROSS-EXAMINATION

19 BY MR. FAZEL:

20 Q. Looking at Exhibit 136, please, same part where the0 4 : 0 7

21 government had highlighted.

22 Mr. Collinsworth, it says, "We focus on

23 maintaining the highest degree of liquidity," rig ht?

24 A. Uh-huh.

25 Q. Does it say we -- everything is liquid? Does t he word0 4 : 0 7


1815

1 "every," "all" --0 4 : 0 7

2 A. No.

3 Q. Twenty-four percent liquidity is pretty high li quidity, is

4 it not, sir?

5 A. It is.0 4 : 0 7

6 Q. SIBL could not have FDIC insurance because it w asn't

7 located in the United States, correct?


9 Q. It's an offshore bank?

10 A. Correct.0 4 : 0 8

11 Q. "Federal Deposit Insurance Company" is what "FD IC" is,

12 right?

13 A. Correct.

14 Q. It couldn't have FDIC because it's not in the U S?

15 A. Correct.0 4 : 0 8


17 A. No.

18 Q. There's a difference between marketable securit ies and

19 liquid assets, correct?

20 A. Correct.0 4 : 0 8

21 Q. A 30 year bond, by definition, is not liquid un less you can

22 cash it in, right?

23 A. By the technical definition, it's marketable, n ot liquid.

24 Q. Correct. Credit Suisse -- okay. How am I goin g to ask

25 this?0 4 : 0 8


1816

1 Is it possible that the person you spoke with,0 4 : 0 8

2 although aware of Tier II matters, was not privy to or did not

3 have access to Credit Suisse accounts that were i n Tier III?

4 A. There is that possibility, yes.

5 Q. After all, if you can remind the jury, there wa s a Lehman's0 4 : 0 9

6 account, that you didn't know about, that you ran into,

7 correct?

8 A. Correct.

9 Q. And that wasn't in Tier II, was it?

10 A. No.0 4 : 0 9

11 Q. But you ran into it?

12 A. Correct.

13 Q. So, there are accounts you just didn't know abo ut?

14 A. Correct.

15 MR. FAZEL: Pass the witness.0 4 : 0 9

16 FURTHER REDIRECT EXAMINATION

17 BY MR. WARREN:

18 Q. Mr. Collinsworth, to this day, have you seen a single

19 Tier III account?

20 A. No.0 4 : 0 9

21 MR. WARREN: Pass the witness, your Honor.

22 FURTHER RECROSS-EXAMINATION

23 BY MR. FAZEL:

24 Q. Mr. Collinsworth, to this day, have you ever -- do you have

25 any proof that they did not exist, personal proof ?0 4 : 0 9


1817

1 A. No, I do not.0 4 : 0 9

2 MR. FAZEL: Pass the witness.

3 THE COURT: Well, thank you, sir. You may stand,

4 leave the courtroom. You're excused. You can re main in the

5 courtroom now if you want to, but you're free to leave. Thank0 4 : 1 0

6 you.

7 THE WITNESS: Thank you.

8 THE COURT: All right. Call your next witness.

9 MR. WARREN: United States calls Althea Crick, yo ur

10 Honor.0 4 : 1 0

11 (Witness being summoned to the stand)

12 THE COURT: Ms. Crick, you want to come around th at

13 side, please?

14 THE CASE MANAGER: Ms. Crick, please raise your h and.

15 Do you solemnly swear that the testimony you're0 4 : 1 0

16 about to give in the case now before the Court wi ll be the

17 truth, the whole truth, and nothing but the truth ?

18 THE WITNESS: I do.

19 THE CASE MANAGER: Thank you. You may have a sea t.

20 THE COURT: You can pull that microphone up or do wn,0 4 : 1 0

21 whatever is convenient for you.

22 MR. WARREN: Your Honor, I believe counsel has an

23 issue they want to approach about.

24 THE COURT: All right. Come on up.

25 (At the bench with all counsel)0 4 : 1 1


1818

1 THE COURT: Okay. First of all, what's her0 4 : 1 1

2 background? This lady, who is she?

3 MR. WARREN: She's an Antiguan regulator, your Ho nor.

4 MR. PARRAS: She regulated, Judge, through about 2001;

5 and then she was out of the picture. She comes b ack into the0 4 : 1 1

6 picture in 2009, after the receiver comes in.

7 THE COURT: Okay.

8 MR. PARRAS: And what I am approaching on are the re's

9 a series of exhibits -- there's 636, 637, 638, an d 639.

10 They're government exhibits. They postdate the r eceivership.0 4 : 1 1

11 THE COURT: Who postdates the receivership?

12 MR. PARRAS: It's after the February date.

13 THE COURT: Oh, you mean it postdates?

14 MR. PARRAS: Right. All of those letters do. An d

15 what they are, Judge, is they are reports of FSRC regulatory0 4 : 1 2

16 personnel.

17 THE COURT: What's the FSRC? What does it stand --

18 MR. WARREN: It's the Antiguan regulatory commiss ion.

19 THE COURT: Okay. Go on.

20 MR. PARRAS: They are reports about kind of looki ng0 4 : 1 2

21 back and trying to figure out how we ended up in this

22 situation. So, they're -- I'm approaching now so that I can

23 ask for an in limine motion. Under 401, 402, the y're not

24 relevant. They postdated receivership. 403, if the Court

25 believes they're relevant. And to the extent tha t the0 4 : 1 2


1819

1 government -- they're also hearsay. To the exten t the0 4 : 1 2

2 government believes that they are business record s, they are

3 not. They're more like police reports, which are not

4 admissible under 803(8)(B) and (C).

5 THE COURT: Okay. What's your response?0 4 : 1 2

6 MR. WARREN: Your Honor, the fact that they occur

7 after the receivership doesn't mean they're not r elevant. So,

8 the question about relevance is what the document s talk about.

9 The documents talk about matters during the scope in the

10 indictment. So, they're certainly relevant. As to whether0 4 : 1 3

11 they're --

12 THE COURT: But she represents that agency?

13 MR. WARREN: Yes.

14 THE COURT: And they're records of that agency?

15 MR. WARREN: Yes.0 4 : 1 3

16 THE COURT: She can prove it up. You're going to

17 prove them up through her?

18 MR. WARREN: Yes, your Honor. The second point t hat

19 Mr. Parras made was about -- was Rule 403. The s tandard for

20 that, of course, is a high standard. Rule 403 is a rule of0 4 : 1 3

21 inclusion, not of exclusion; and the question is whether

22 they're unfairly prejudicial and whether that out weighs the

23 substantive value. These documents are highly pr obative.

24 There's no basis for a 403 objection.

25 THE COURT: How are they prejudicial? What's in0 4 : 1 3


1820

1 there?0 4 : 1 3

2 MR. PARRAS: Well, Judge, they are, like I said,

3 looking back. They are reports of FSRC personnel , not

4 Ms. Crick. She's just a member of the board. Th at's why she

5 gets them.0 4 : 1 3

6 And they are talking about events that took place

7 in the summer of 2008 and earlier by Mr. Ashe, wh o is on the

8 government's witness list -- so, I think he could talk to a lot

9 of these things himself -- and also by a gentlema n named

10 Mr. Mathurin. So, they're hearsay within hearsay . It's FSRC0 4 : 1 4

11 employees --

12 THE COURT: You have any objection to them coming in

13 as official government records?

14 MR. PARRAS: Yes, I do, under 803(8)(B) and (C).

15 THE COURT: Like what? Tell me about it.0 4 : 1 4

16 MR. PARRAS: They're like police reports. The

17 government cannot introduce police reports in a c riminal case.

18 They're special -- 803(8)(B) and (C) specifically apply to

19 criminal cases, and they do not allow reports of matters

20 observed or reports of -- 0 4 : 1 4

21 MR. COSTA: These are not criminal investigative

22 reports, your Honor.

23 THE COURT: What are they?

24 MR. COSTA: They're administrative regulatory age ncy

25 reports.0 4 : 1 4


1821

1 MR. WARREN: Your Honor, Rule 803(8) is very clea r.0 4 : 1 4

2 It says police reports or law enforcement. The F SRC is neither

3 police nor law enforcement. These are civil repo rts by a civil

4 agency. I'll established foundation that they we re

5 satisfied --0 4 : 1 5

6 THE COURT: If you can establish foundation, let' s do

7 it. Take it one step at a time.

8 But wait a second. In all fairness, I need to

9 let you know I'm concerned about letting them in.

10 MR. PARRAS: Judge, we'd also object on the basis of0 4 : 1 5

11 Crawford. These are clearly testimonial --

12 THE REPORTER: I'm sorry, I can't hear, Judge.

13 THE COURT: Don't worry about it. It's overruled .

14 Overruled.

15 MR. PARRAS: And just so the Court, as we go, is0 4 : 1 5

16 looking exactly where I am looking, under Subsect ion 8 of 803,

17 "records, reports, statements, or data compilatio ns, in any

18 form, of public offices or agencies setting forth , A, the

19 activities of the office or agency -- if that's a ll they were

20 doing, Judge, I wouldn't have an objection. But under0 4 : 1 5

21 Subsection B, matters observed pursuant to duty i mposed by law

22 as to which matters there was a duty to report, e xcluding,

23 however, in criminal cases, matters observed by p olice officers

24 and other law enforcement personnel" -- they're a regulatory

25 agency. They are enforcing laws.0 4 : 1 5


1822

1 MR. WARREN: Your Honor, and exactly to Mr. Parra s'0 4 : 1 5

2 point --

3 MR. PARRAS: I'm not finished.

4 MR. WARREN: -- a regulatory agency is not law

5 enforcement or police.0 4 : 1 6

6 MR. PARRAS: And also under Subsection C, Judge, in

7 civil actions and proceedings and against the gov ernment in

8 criminal cases, factual findings -- which these l etters purport

9 to give -- resulting from an investigation made p ursuant to

10 authority granted by law, unless the sources of t he information0 4 : 1 6

11 or other circumstances indicate lack of trustwort hiness. So

12 that gets us back to the catchall.

13 THE COURT: Wait a second. That lack of

14 trustworthiness, how are they lack of trustworthi ness?

15 MR. PARRAS: Well, here's where we can get into a0 4 : 1 6

16 confrontation issue. These -- Mr. Paul Ashe, we don't have any

17 evidence about his trustworthiness or his --

18 THE COURT: Who?

19 MR. PARRAS: -- reports.

20 Paul Ashe, he's one of the regulators making0 4 : 1 6

21 reports in the letters.

22 THE COURT: I'm just saying I got a concern about it.

23 I've been around for awhile and so have you. Oka y? All three

24 of you. I have a concern about this. I mean, if you need them

25 real bad, come back up. If you don't, see what t his lady knows0 4 : 1 6


1823

1 and see if she can testify without getting into a report from0 4 : 1 6

2 an agency, and she wasn't there, that you're gett ing in as an

3 official record of the agency where they say that they --

4 there's real problems here.

5 You probably can get somebody to testify to that0 4 : 1 7

6 fact. It's a lot safer than getting it through s omeone here

7 who came in later and say, "Yes, this is official report of the

8 agency." I'm not saying I'm leaving it out, but this is

9 another major point.

10 MR. COSTA: Judge, she was at the agency when the se0 4 : 1 7

11 memos were created, just to clarify that; but und erstood, your

12 Honor.

13 THE COURT: Okay. Wait a second. Talk to Mr. Co sta.

14 I think you know where I am going. The reason wh y I'm saying,

15 he's tried a lot of cases. I'm not saying it can 't get in, but0 4 : 1 7

16 it's a possibility -- not a probability, a possib ility you

17 could pollute it up, if you can get it in safer l ater on.

18 MR. WARREN: Understood.

19 THE COURT: That's all I am saying. Okay? Appro ach

20 the bench again when this point comes up, without going -- I'll0 4 : 1 7

21 give you a motion in limine up to that, for that limited

22 purpose at this time subject to you coming back.

23 MR. WARREN: I'm sorry, your Honor. We may be ab le to

24 avoid the point with a point of clarification fro m the Court.

25 THE COURT: Sure.0 4 : 1 8


1824

1 MR. WARREN: We wouldn't need to introduce the re cords0 4 : 1 8

2 if the witness can testify as to what she was tol d, which would

3 otherwise be hearsay, based on the fact that she' s sitting as

4 the chairperson of the board that was overseeing the

5 investigation.0 4 : 1 8

6 THE COURT: Well, that may go to the weight, not to

7 the admissibility.


9 THE COURT: If you can get her to say, "Well, tha t's

10 what went on in your official capacity. But you weren't there,0 4 : 1 8

11 you didn't know that, you didn't do the research, did you?"

12 It's all subject -- it gets more and more -- it

13 gets tenuous. That's a little stronger, I'll adm it.

14 All right. Let's see where it is and then come

15 on back up. It's an interesting point. I'll con sider it.0 4 : 1 8


17 (In open court)

18 MR. WARREN: May I proceed, your Honor?


20 MARIAN ALTHEA CRICK, GOVERNMENT'S WITNESS, TESTIFIE D:

21 DIRECT EXAMINATION

22 BY MR. WARREN:

23 Q. Good afternoon.

24 A. Good afternoon.

25 Q. Can you please state and spell your last name f or the0 4 : 1 9


1825

1 record?0 4 : 1 9

2 A. My last name is Crick.

3 Q. What's your whole name, Ms. Crick?

4 A. Marian Althea Crick.

5 Q. How do you spell that?0 4 : 1 9

6 A. The last name is spelled C-R-I-C-K.

7 Q. And your first name?

8 A. M-A-R-I-A-N.

9 Q. How old are you?

10 A. I'm 59 years old.0 4 : 1 9

11 Q. Where are you from originally?

12 A. I'm originally from St. Johns, Antigua.

13 Q. Where do you presently live?

14 A. St. Johns, Antigua.

15 Q. Ms. Crick, what's your educational background?0 4 : 1 9

16 A. I hold a Bachelor's degree in accounting. I -- accounting

17 and management. I'm a member of the Eastern Cari bbean

18 Institute of Chartered Accountants.

19 THE COURT: That's like a CPA, is it? Is it like a

20 CPA?0 4 : 2 0

21 THE WITNESS: Similar, yes.

22 THE COURT: Charted accountant?

23 BY MR. WARREN:

24 Q. Where did you do your undergraduate studies?

25 A. At St. Leo College in Florida.0 4 : 2 0


1826

1 Q. Did you graduate?0 4 : 2 0

2 A. Yes, I did.

3 Q. Do you have any other professional licenses or

4 affiliations?

5 A. I am affiliated with the -- and I hold a certif ication as a0 4 : 2 0

6 certified anti-money laundering specialist.

7 Q. From where?

8 A. The Association of Anti-Money Laundering Specia lists.

9 Q. Ms. Crick, what do you do for a living?

10 A. I am in private practice. I'm an accountant an d a0 4 : 2 0

11 management consultant.

12 Q. Do you presently hold any positions with the An tiguan

13 government?

14 A. Yes, I do.

15 Q. What position?0 4 : 2 0

16 A. I am currently the chairman of the board of the Financial

17 Services Regulatory Commission.

18 Q. Chairman of the board of the Financial Services Regulatory

19 Commission, what is that commission?

20 A. The commission is a body which is established b y0 4 : 2 1

21 legislation, namely the International Business Co rporations

22 Act. And it is tasked with the responsibility of regulating

23 the sector and -- the financial sector and ensuri ng the

24 enforcement of regulatory -- an effective regulat ory regime.

25 Q. Does it regulate a particular part of the finan cial sector?0 4 : 2 1


1827

1 A. It regulates international banks.0 4 : 2 1

2 Q. Did you apply for that position of chairman of the -- if I

3 refer to it as the FSRC, will you know what I am talking about,

4 the regulatory commission?

5 A. Yes.0 4 : 2 1

6 Q. Did you apply for the position of chairman of t he board of

7 the FSRC?

8 A. No, I did not.

9 Q. Were you appointed?

10 A. I was appointed.0 4 : 2 1

11 Q. By whom?

12 A. The minister of finance.

13 Q. When?

14 A. In April of 2009.

15 Q. Is your position as chairman -- chairwoman of t he FSRC a0 4 : 2 2

16 full-time position?

17 A. No, it is not.

18 Q. Are you paid?

19 A. Yes, I am.

20 Q. Are you salaried?0 4 : 2 2

21 A. It's a director's fee as opposed to a salary. It's not an

22 employee.

23 Q. And how are you paid your director's fee?

24 A. My fees are paid via direct bank deposit.

25 Q. How often?0 4 : 2 2


1828

1 A. Monthly.0 4 : 2 2

2 Q. You ever been paid in cash?

3 A. No. No.

4 Q. How long has the FSRC, the regulatory body in A ntigua, been

5 around?0 4 : 2 2

6 A. The FSRC has its origin going back to 1998. At that time

7 the legislation was passed to create the statutor y body. It

8 was then known as the International Financial Ser vices

9 Authority; and it has had its name changed to wha t it is now,

10 which is the Financial Services Regulatory Commis sion.0 4 : 2 3

11 Q. And if I refer to the FSRC, I'll try to call it FSRC

12 predecessor; but if I refer to it as FSRC, will y ou know what I

13 am talking about, this regulatory body back to 19 98?

14 A. Yes.

15 Q. And to be clear, is this a private entity or is it a0 4 : 2 3

16 government body?

17 A. It is a government body.

18 Q. Have you ever heard of the US Securities & Exch ange

19 Commission?

20 A. Yes, I have.0 4 : 2 3

21 Q. Can you compare for the jury the FSRC to the SE C?

22 A. Both institutions are responsible for ensuring the

23 financial soundness of respective licensed busine sses and for

24 protecting the customers of these entities. That 's generally

25 what they both do.0 4 : 2 4


1829

1 Q. Do you presently hold any other positions in th e Antiguan0 4 : 2 4

2 government?

3 A. I am presently a member of the Industrial Court of Antigua

4 and Barbuda.

5 Q. What does that mean?0 4 : 2 4

6 A. The Industrial Court hears labor disputes and t he Court is

7 empowered to rule on these disputes, to award fin es, to rule

8 and to make orders.

9 Q. And what's your position as a member of this co urt?

10 A. As a member of this court, I sit as part of a t hree-member0 4 : 2 4

11 tribunal or three-member judge.

12 Q. Like a judge?

13 A. Yes, essentially.

14 Q. How long have you been a member of this three-j udge panel

15 in Antigua?0 4 : 2 4

16 A. In total, about nine years.

17 Q. And is that a position that you apply for to be come the

18 sort of judge, or are you appointed?

19 A. No. You're appointed.

20 Q. Who are you appointed by?0 4 : 2 5

21 A. I was appointed by the governor general.

22 Q. If you could briefly explain for the jury what your

23 employment background was before becoming chairma n of the FSRC

24 and becoming an Antiguan judge, for lack of a bet ter word?

25 A. In May of 1998, I was appointed the deputy dire ctor of the0 4 : 2 5


1830

1 International Business Corporations Department of the Ministry0 4 : 2 5

2 of Finance. I served in that position until arou nd July, I

3 think, of that year, when I was made director of the

4 department. Subsequently, in September of '98, w ith an

5 amendment of the International Business Corporati ons Act and0 4 : 2 6

6 the creation of the then authority, I was made th e executive

7 director.

8 Q. Do you know the defendant, Robert Allen Stanfor d?

9 A. Yes, I do.

10 Q. Do you see him in the courtroom today?0 4 : 2 6

11 A. Yes, I do.

12 Q. Could you please identify him?

13 A. It's the gentleman who is standing.

14 MR. WARREN: Ask the Court to reflect the

15 identification of the defendant, your Honor.0 4 : 2 6

16 THE COURT: Record will so reflect.

17 BY MR. WARREN:

18 Q. Ms. Crick, what was your first interaction, eit her direct

19 or indirect, with Mr. Stanford?

20 A. If I begin with the indirect connection, I don' t recall0 4 : 2 6

21 exactly what year it was; but it was prior to my appointment as

22 the deputy director, sometime before that, some y ears before

23 that.

24 Q. And what were you doing at that time?

25 A. I was in private practice. I received a call f rom0 4 : 2 7


1831

1 Mr. Hewlett, who is an accountant by profession. He asked me0 4 : 2 7

2 to partner with him in conducting an audit of Ban k of Antigua.

3 Q. Ms. Crick, at that time who owned Bank of Antig ua?

4 A. Allen Stanford.

5 Q. What did Mr. Hewlett tell you about why he need ed your0 4 : 2 7

6 help?

7 MR. PARRAS: Objection, Judge, hearsay.

8 THE COURT: Say again. Repeat the question. I

9 thought I heard it correctly.

10 BY MR. WARREN: 0 4 : 2 7

11 Q. What did Mr. Hewlett tell you about why he need ed your

12 help?

13 THE COURT: What's the objection?

14 MR. PARRAS: Hearsay.

15 MR. WARREN: Not coming in for the truth, your Ho nor,0 4 : 2 7

16 but just for this witness' response and what she ended up doing

17 with Mr. Hewlett.

18 THE COURT: Overruled for that limited purpose.

19 THE WITNESS: Mr. Hewlett explained that he was

20 auditing was -- he was new to auditing and --0 4 : 2 8

21 THE COURT: You can move that mike away just a li ttle

22 bit? You can move it back. Okay. That will hel p. Okay. Go

23 on.

24 THE WITNESS: He explained that he was new to

25 auditing, that he was aware that I had auditing e xperience and0 4 : 2 8


1832

1 so, he was requesting my assistance to work with him on that0 4 : 2 8

2 particular job.

3 BY MR. WARREN:

4 Q. Did you end up working with Mr. Hewlett auditin g Bank of

5 Antigua?0 4 : 2 8

6 A. I did not.

7 Q. Why not?

8 A. I commenced the exercise. In fact, the very fi rst day I --

9 MR. PARRAS: Objection, Judge, nonresponsive.

10 THE COURT: Sustained.0 4 : 2 8

11 MR. WARREN: I'm sorry?

12 THE COURT: Nonresponsive answer.

13 MR. WARREN: Can you repeat the prior question an d

14 answer?

15 (The requested portion of the record was read back by the0 4 : 2 9

16 court reporter)

17 BY MR. WARREN:

18 Q. Ms. Crick, can you explain to the jury why you didn't end

19 up working with Mr. Hewlett on the auditing of Ba nk of Antigua?

20 A. Because I was asked not to continue the partner ship.0 4 : 2 9

21 Q. By whom?

22 A. By Mr. Hewlett.

23 Q. And did Mr. Hewlett give you an explanation of why he had

24 asked you to help and then he subsequently told y ou he didn't

25 need your help?0 4 : 2 9


1833

1 MR. PARRAS: Judge, hearsay.0 4 : 2 9


3 THE WITNESS: Yes, he did give me an explanation.

4 BY MR. WARREN:

5 Q. Did you accept that explanation in your decisio n whether to0 4 : 2 9

6 work with him or not?

7 A. I did accept the explanation, yes.

8 Q. What was his explanation?

9 MR. PARRAS: Hearsay.


11 THE WITNESS: He explained --

12 THE COURT: First of all, Hewlett was what?

13 MR. WARREN: Mr. Hewlett was the auditor.

14 THE COURT: For who?

15 BY MR. WARREN: 0 4 : 2 9

16 Q. Who was Mr. Hewlett the auditor for at the time ?

17 A. Bank of Antigua.

18 THE COURT: Go on. So, how do you get it in?

19 MR. WARREN: It's under 802(D) -- 801(d)(2)(E), y our

20 Honor, as statement of a co-conspirator.0 4 : 3 0

21 THE COURT: Is he a co-conspirator?


23 MR. PARRAS: I don't think that the showing has b een

24 made, Judge. This is the first I'm hearing of th at.

25 THE COURT: Of what, the co-conspirator?0 4 : 3 0


1834

1 MR. PARRAS: Yeah. No foundation and also0 4 : 3 0

2 confrontation, Judge. They can ask: Did he say anything and

3 what did you do next?

4 THE COURT: How do you get it in? Now, is he als o an

5 officer of the corporation or what was he? An ac countant?0 4 : 3 0

6 What was he? You tell me. The proof is already in. Remind me

7 of it. What's his position?

8 MR. WARREN: He was an accountant for -- an audit or

9 for bank of Antigua at the time. So, it would al so be under

10 801(d)(2)(D).0 4 : 3 0

11 THE COURT: Hold it. Auditor of the Bank of Anti gua?

12 MR. WARREN: Which was owned by Mr. Stanford.

13 THE COURT: All right. That's what I mean. He w as

14 auditor for that bank?

15 MR. WARREN: Yes, your Honor. So, it's statement made0 4 : 3 0

16 by an agent.

17 THE COURT: How do you get around that? I mean, we've

18 talked about that. You keep getting up and objec ting on

19 hearsay. How?

20 MR. PARRAS: Judge, the Bank of Antigua did not s ell0 4 : 3 1

21 CDs, number one. And --

22 THE COURT: Was it in the Stanford family?

23 MR. PARRAS: Yes, it was.

24 THE COURT: Overrule the objection. Let's go.

25 BY MR. WARREN: 0 4 : 3 1


1835

1 Q. Ms. Crick, the question was: What did Mr. Hewl ett tell you0 4 : 3 1

2 about why he didn't need your help after he had j ust -- how

3 long was it before that he had asked you for your help?

4 A. He asked me for my assistance some time before. But he

5 explained that he received a call and --0 4 : 3 1

6 Q. From whom?

7 A. I'm not sure who made the call, but he received the call

8 and his instructions were to have me removed from the audit.

9 Q. And do you have an understanding as to who was the person

10 directing Mr. Hewlett to have you removed from th e audit?0 4 : 3 1

11 MR. PARRAS: Judge --

12 THE COURT: I'm sorry. I didn't catch it. I wan t to

13 stop the clock for a second. Just a second. To save me from a

14 trip back there, if I can deal with it.

15 Do you want to be heard again? All right. Go0 4 : 3 3

16 on.

17 MR. PARRAS: Double hearsay objection at this poi nt,

18 Judge. Now we're getting into what someone told Hewlett that

19 Hewlett then told her.

20 MR. WARREN: Your Honor, these are statements by an0 4 : 3 3

21 agent in the scope of Mr. Stanford's employment. Ms. Crick has

22 testified that the statement, even the double hea rsay, came

23 from another person in the employ of Mr. Stanford 's.

24 THE COURT: All right. Ask it again. Ask the

25 question again, and I will rule on it.0 4 : 3 3


1836

1 BY MR. WARREN: 0 4 : 3 3

2 Q. Ms. Crick, what were you told by Mr. Hewlett as to who

3 instructed him to have you removed from the audit ?

4 THE COURT: All right. You object to that?

5 MR. PARRAS: Yes, I do, Judge.0 4 : 3 3

6 THE COURT: Overruled. You can sit down.

7 MR. PARRAS: May I take the witness on voir dire,

8 Judge?

9 THE COURT: No, sir. No, sir. That's the object ion,

10 and the ruling is pretty clear. Go on.0 4 : 3 3

11 THE WITNESS: Mr. Hewlett explained to me that he --

12 THE COURT: Hold it. I think the question was wh o,

13 correct? We need a name, if you got it, ma'am.

14 Is that correct, you asked for a name?


16 THE COURT: Who told Mr. Hewlett what?

17 BY MR. WARREN:

18 Q. Ms. Crick, what's your understanding of who mad e the

19 decision to have you removed from the audit?

20 A. Allen Stanford.0 4 : 3 4

21 Q. You had testified a few minutes ago that you jo ined the

22 FSRC or its predecessor in May of 1998. Can you explain what

23 your purpose was at the time? What was going on with the

24 Antiguan regulatory sector with regard to offshor e banks?

25 A. At the time there was a recognition that there was need to0 4 : 3 4


1837

1 have the financial sector be -- I should say the regulatory0 4 : 3 4

2 regime improved and to ensure that the sector was developed so

3 that the decision was made to employ me to undert ake that

4 exercise to strengthen the regulatory regime.

5 Q. And to strengthen and improve the regulatory re gime in what0 4 : 3 5

6 manner?

7 A. There were -- I would say in a twofold manner, by improving

8 the regulations and the legislation governing the sector and

9 strengthening the administration of the instituti on itself or

10 the department then of itself.0 4 : 3 5

11 Q. During this time period, 1998, was Stanford Int ernational

12 Bank operating as an offshore bank on Antigua?

13 A. Yes, it was.

14 Q. Was Stanford International Bank one of the enti ties that

15 you were tasked with regulating?0 4 : 3 5

16 A. Yes, it was.

17 Q. Now, had you ever met Mr. Stanford before you j oined the

18 FSRC in 1998?

19 A. No.

20 Q. At the time that you joined the FSRC, did Mr. S tanford have0 4 : 3 6

21 a position with the commission?

22 A. Mr. Stanford was part of what was known as the Financial

23 Services Sectoral Committee.

24 Q. And, Ms. Crick, we'll get to that in a moment. But did

25 Mr. Stanford have a position on the board of the FSRC0 4 : 3 6


1838

1 predecessor at that time?0 4 : 3 6

2 A. At that time, yes.

3 Q. Did you have any concerns about Mr. Stanford ha ving a

4 position on the board of the FSRC?

5 A. Yes, I did.0 4 : 3 6

6 Q. Did you raise those concerns with anyone?

7 A. Yes, I did.

8 Q. With whom?

9 A. With the prime minister at the time.

10 Q. What happened with regard to Mr. Stanford being on the0 4 : 3 6

11 board of the commission?

12 A. Eventually, if I recall correctly, the board wa s changed

13 and he was no longer a member of the board.

14 Q. Why did you have concerns about Mr. Stanford be ing on the

15 board? He was, after all, the owner of a bank?0 4 : 3 7

16 A. Well, if you stop to consider it for a moment, here is a

17 department that's responsible -- rather an entity that's

18 responsible for regulating a sector. Mr. Stanfor d owned an

19 entity that was regulated. It would not -- to me , it was

20 clearly a conflict if an individual who is -- tha t an0 4 : 3 7

21 individual could be part of the regulatory regime or authority

22 and at the same time own an entity that is being regulated.

23 This brings to mind a saying that we have at

24 home. This would be a classic case of the rat be ing put in

25 charge of the cheese.0 4 : 3 8


1839

1 THE COURT: We call it the fox in the hen house,0 4 : 3 8

2 right?

3 THE WITNESS: It's a little different.

4 THE COURT: I understand. Yes, ma'am. Has no

5 relevance whatsoever, my comment to this case. H owever, I want0 4 : 3 8

6 the record to reflect that. Go on.

7 BY MR. WARREN:

8 Q. Ms. Crick, what was your direct interaction wit h

9 Mr. Stanford?

10 A. It was at a meeting of the Financial Services S ectoral0 4 : 3 8

11 Committee.

12 Q. Could you briefly explain what that committee i s?

13 A. That was a committee made up of business leader s in the

14 international business sector as well as other op erators and

15 the service providers in the sector.0 4 : 3 9

16 Q. Was this committee a government regulatory body like the

17 FSRC?

18 A. No, it was not.

19 Q. It's a private --

20 A. Yes.0 4 : 3 9

21 Q. And what time period was this, your first inter action with

22 Mr. Stanford?

23 A. This goes back to early 1998.

24 Q. And this was at the time you were deputy direct or or

25 director of the FSRC?0 4 : 3 9


1840

1 A. I'm director, yes, uh-huh.0 4 : 3 9

2 Q. What role did you have with regard to this priv ate

3 committee?

4 A. Well, I would attend meetings of the committee and

5 basically be part of any discussion.0 4 : 3 9

6 Q. So, please describe to the jury what happened, this

7 interaction with Mr. Stanford at this meeting of the private

8 bankers -- I'm sorry, private business leaders.

9 A. I recall that -- might have been the first or s econd

10 meeting. Actually, from the first meeting, I obs erved that --0 4 : 4 0

11 from the comments that were made that I was being asked -- and

12 very specifically, too, I should say -- being ask ed to report

13 to this committee.

14 Q. Who was making those comments?

15 A. The comments were made generally but they were also made0 4 : 4 0

16 specifically by Mr. Stanford.

17 Q. And why did you get the impression that you wer e being

18 asked by Mr. Stanford to report to the committee?

19 A. It was not an impression. He asked me to.

20 Q. What was your response?0 4 : 4 0

21 A. I did not respond at the time. It was, as I sa id, probably

22 my first meeting. I was just breaking ground, so to speak. I

23 simply noted his request, but I did not comment o n his request.

24 Q. Did you have any thoughts or concerns about him asking you

25 to report to this private committee?0 4 : 4 1


1841

1 A. Yes, I did.0 4 : 4 1

2 Q. What were those concerns?

3 A. I was concerned because my reporting is not to a private

4 grouping but to the then minister of finance. An d I was

5 concerned that this private grouping was asking m e to report to0 4 : 4 1

6 them.

7 Q. Did there come a time when you expressed that t o

8 Mr. Stanford?

9 A. Yes, I did.

10 Q. Would you please describe to the jury what happ ened?0 4 : 4 1

11 A. I was invited to attend one of these committee meetings and

12 very quickly once I got there, I realized that th e meeting was

13 centered about a concern Mr. Stanford had in rela tion to a

14 newspaper article that appeared in the "Miami Herald." I had

15 received a call and I had -- there was an intervi ew, I was0 4 : 4 2

16 interviewed and there was a comment that I made d uring the

17 course of the interview with which Mr. Stanford w as not very

18 happy.

19 Q. Do you remember the nature of the comment that you had made

20 to the newspaper?0 4 : 4 2

21 A. I don't recall at this time.

22 Q. How do you know that Mr. Stanford wasn't happy?

23 A. He visibly exhibited his unhappiness. He took the

24 newspaper, slammed it on the table and threw it a cross to me.

25 Q. Did he say anything to you?0 4 : 4 2


1842

1 A. And he asked me to comment on the interview.0 4 : 4 2

2 Q. What did you understand him to mean, comment on the

3 interview?

4 A. Well, he went -- he made it quite clear. He as ked me to

5 comment. He explained that he was not happy with whatever the0 4 : 4 2

6 comment was that I had made and he expressed conc ern that I had

7 conducted the interview without consulting him or the

8 committee.

9 Q. Was there any obligation, as you understood, to consult

10 Mr. Stanford or the committee about comments you made to a0 4 : 4 3

11 newspaper?

12 A. None at all. I had no obligation to do that.

13 Q. What did you say in response to Mr. Stanford at that time?

14 A. I took the opportunity to -- going back to my e arlier

15 concern about reporting -- to explain to not just Mr. Stanford0 4 : 4 3

16 but the entire committee membership that, one, I do not report

17 to them; two, I am not a yes person. I don't rub ber stamp.

18 I'm an independent thinker, and I report to the m inister of

19 finance.

20 Q. Did Mr. Stanford respond to you telling him tha t?0 4 : 4 3

21 A. (No response).

22 Q. Did he say anything at that time?

23 A. He did not respond. As a matter of fact, there were some

24 other comments that I made; and I distinctly reca ll that the

25 room was so silent, you could hear a pin drop.0 4 : 4 4


1843

1 Q. How many other people were in the meeting at th e time?0 4 : 4 4

2 A. There were about maybe five, five persons in th e room at

3 the time.

4 Q. Did anyone at the meeting respond to the commen ts you had

5 made?0 4 : 4 4

6 A. No one said a word.

7 Q. What about after the meeting? Did there come a time when

8 Mr. Stanford responded to you?

9 A. Yes.

10 Q. What did he say?0 4 : 4 4

11 A. After the meeting, we were walking through the door. And

12 just outside the entrance he came up to me, he he ld my hand, he

13 looked me straight in the eye and he said, "You r emind me so

14 much of myself."

15 Q. Ms. Crick, did you ever have further discussion s with0 4 : 4 5

16 Mr. Stanford in which you talked about your worki ng

17 relationship with him?

18 A. Yes, I did.

19 Q. Please describe one of those interactions.

20 A. In September of that same year, 1998, I recall having to0 4 : 4 5

21 taken a one-week seminar in Cambridge, England. Well, I should

22 explain first that that discussion took place in my office. I

23 received a call that Mr. Stanford wanted to see m e. He came to

24 my office. And it was during the course of that exchange that

25 I mentioned to him that I was traveling to Cambri dge.0 4 : 4 5


1844

1 Q. Ms. Crick, let me stop you there.0 4 : 4 5

2 A. But --

3 Q. I'm sorry. Let me stop you there for a moment. How long

4 did the whole conversation last with Mr. Stanford at this

5 particular meeting in September of 1998?0 4 : 4 6

6 A. It was quite lengthy. At least two hours.

7 Q. At that time were you still director of the FSR C?

8 A. Yes, I was.

9 Q. And was SIB, which Mr. Stanford owned, still an entity that

10 you regulated?0 4 : 4 6

11 A. Yes.

12 Q. So, please describe to the jury what you and Mr . Stanford

13 discussed in terms of the relationship between re gulator and

14 regulated entity.

15 A. Well, once the discussion started, I quickly re alized that0 4 : 4 6

16 Mr. -- the purpose of Mr. Stanford's --

17 MR. PARRAS: Objection, Judge.

18 THE WITNESS: -- visit. In fact, he said --

19 THE COURT: Hold it.

20 MR. PARRAS: Objection, Judge, nonresponsive. I let0 4 : 4 6

21 this go on a bit, but we need Q and A.

22 THE COURT: Sustained. Question and answer, plea se.

23 Ask your question.

24 BY MR. WARREN:

25 Q. Please explain to the jury what you and Mr. Sta nford0 4 : 4 6


1845

1 discussed about the respective roles of you being the regulator0 4 : 4 6

2 and he being the regulated entity.

3 A. He thought that we should find a way to work to gether.

4 Q. How do you know that?

5 A. He said that.0 4 : 4 7

6 Q. Do you remember the words that he used?

7 A. I don't remember his exact words.

8 Q. But in substance?

9 A. In substance he said: Ms. Crick, you and I nee d to find a

10 way to work together.0 4 : 4 7

11 Q. What did you understand him to mean?

12 A. I'm not sure what he was thinking but --

13 MR. PARRAS: Objection, Judge, speculation at thi s

14 point.

15 THE COURT: Sustained as to that answer. Can you0 4 : 4 7

16 follow it up?


18 BY MR. WARREN:

19 Q. Ms. Crick, what did you understand him to mean?

20 A. What did I understand him to mean? That we sho uld find0 4 : 4 7

21 some means by which we could collaborate, I suppo se, as

22 regulator and regulated entity.

23 Q. Is there anything else memorable about that Sep tember 1998

24 meeting?

25 A. During the course of the meeting, I recall -- I think it0 4 : 4 7


1846

1 was towards the end of the meeting, I recall him -- a0 4 : 4 8

2 discussion concerning my trip to Cambridge.

3 Q. Why were you going to Cambridge?

4 A. There was a seminar being conducted for persons who

5 operated, who were executives in the financial se ctor.0 4 : 4 8

6 Q. Were you going as part of your employment with the FSRC?

7 A. Yes, I was.

8 Q. Did you tell Mr. Stanford you were going to Cam bridge?

9 A. I did.

10 Q. What did he say in response?0 4 : 4 8

11 A. He asked -- he made a general comment, but then

12 specifically asked me what was my status in terms of my flight.

13 Q. What did you tell him?

14 A. I told him I was flying economy.

15 Q. What was his response?0 4 : 4 8

16 A. He was appalled.

17 Q. How do you know he was appalled?

18 A. He said: No, no, no, Ms. Crick. You must fly first class.

19 Always think first class.

20 Q. What did you say in response?0 4 : 4 9

21 A. I said to him: My government can afford to pay for me to

22 fly economy, and I'll be flying economy.

23 Q. What happened after that?

24 A. Shortly after he left, I got a phone call from his personal

25 secretary.0 4 : 4 9


1847

1 Q. What did his personal secretary -- what was she calling you0 4 : 4 9

2 about?

3 A. She called me about upgrading my ticket to firs t class.

4 Q. What did she say to you?

5 A. She said that she had been instructed by Mr. St anford to0 4 : 4 9

6 upgrade my ticket.

7 Q. Even though you had told Mr. Stanford that you were

8 comfortable flying economy?


10 Q. What did you tell Mr. Stanford's secretary?0 4 : 4 9

11 A. I told her again that I was -- my government ha d paid for

12 me to travel economy and I intended to travel at the economy

13 level.

14 Q. What was her reaction?

15 A. I almost feel sorry for her poor soul. She was distraught.0 4 : 5 0

16 She kept saying: But, Ms. Crick, you don't under stand, your

17 ticket is being upgraded.

18 And I said: I know. I understand clearly, but

19 I'll be flying economy.

20 And she kept insisting: Mr. Stanford has asked0 4 : 5 0

21 me to upgrade your ticket.

22 I will be flying economy.

23 Q. Ms. Crick, did you end up going to Cambridge?

24 A. I did.

25 Q. Did you fly there?0 4 : 5 0


1848

1 A. Yes, I flew there.0 4 : 5 0

2 Q. Did you fly first class or economy?

3 A. I did not, I flew economy.

4 Q. Ms. Crick, do you know the name Rodney Gallaghe r?

5 A. Yes, I do.0 4 : 5 0

6 Q. Who is Mr. Gallagher?

7 A. Mr. Gallagher is a British subject who was atta ched to the

8 High Commission in Barbados.

9 Q. Did Mr. Gallagher ever have involvement or inte raction with

10 Stanford International Bank or its predecessor?0 4 : 5 0

11 MR. PARRAS: Judge, at this point objection, pers onal

12 knowledge, if they can establish the foundation.

13 THE COURT: Overruled. Overruled.

14 BY MR. WARREN:

15 Q. You may answer the question.0 4 : 5 1

16 A. Yes.

17 Q. Did you ever talk with Mr. Stanford about Mr. G allagher?

18 A. Yes. Mr. Stanford had a -- it was, in fact --

19 MR. PARRAS: Objection, Judge, nonresponsive. Th e

20 answer is yes.0 4 : 5 1


22 BY MR. WARREN:

23 Q. Ms. Crick, what did Mr. Stanford tell you about who

24 Mr. Gallagher was?

25 A. Mr. Stanford told me that Mr. Gallagher was a B ritish0 4 : 5 1


1849

1 intelligence agent.0 4 : 5 1

2 Q. Did he tell you anything else?

3 A. And that I needed to be very careful with Mr. G allagher.

4 Q. What did you understand Mr. Stanford to mean by telling you

5 to be careful with Mr. Gallagher?0 4 : 5 1

6 A. That I had to be watchful where Mr. Gallagher w as

7 concerned.

8 Q. Do you recall an incident, a disagreement with Mr. Stanford

9 concerning Mr. Gallagher?

10 A. Yes, I do.0 4 : 5 1

11 Q. Can you please explain what happened to the jur y?

12 MR. PARRAS: Judge, at this point, relevance.

13 THE COURT: What's the relevance, counsel?

14 MR. WARREN: Your Honor, it's all part of this sa me

15 story of Mr. Stanford's involvement in what Ms. C rick was0 4 : 5 2

16 trying to do as a regulator in Antigua.

17 THE COURT: Response?

18 MR. PARRAS: I still don't see the relevance, Jud ge.


20 THE WITNESS: I was invited to attend one of the0 4 : 5 2

21 committee meetings. This one was supposed to hav e been an

22 all-day meeting to be held at Mr. Stanford's home .

23 BY MR. WARREN:

24 Q. Did you go to the meeting at Mr. Stanford's hom e?

25 A. I did not.0 4 : 5 2


1850

1 Q. Did you talk --0 4 : 5 2

2 THE COURT: Why? Why didn't you go to the home?

3 THE WITNESS: On the morning of the meeting, I wa s

4 invited to -- by the prime minister to attend a m eeting at his

5 office.0 4 : 5 2

6 BY MR. WARREN:

7 Q. Did you go to the meeting with the prime minist er?

8 A. Yes, I did.

9 Q. What happened after your meeting with the prime minister?

10 A. I returned to my office.0 4 : 5 3

11 Q. Did you meet with anyone at that time?

12 A. I met with Mr. Rodney Gallagher.

13 Q. Did you speak with Mr. Stanford at that time?

14 A. Yes, I did.

15 Q. Would you please tell the jury what happened?0 4 : 5 3

16 A. I got a phone call from Mr. Stanford. He inqui red why I

17 had not attended the meeting.

18 Q. What did you tell him?

19 A. I told him that I had met with Mr. Gallagher.

20 Q. What was Mr. Stanford's response to your tellin g him that0 4 : 5 3

21 you were meeting with Mr. Gallagher?

22 A. He demanded to know what I had discussed with

23 Mr. Gallagher.

24 Q. Did you tell Mr. Stanford what you had been tal king to

25 Mr. Gallagher about?0 4 : 5 3


1851

1 A. No, I did not.0 4 : 5 3

2 Q. Why not?

3 A. Mr. Stanford is not a government official who i s entitled

4 to hear -- to be privy to my discussions with any individual.

5 That was the position I took, and I advised him t hat I had no0 4 : 5 4

6 obligation to discuss the matter with him.

7 Q. And you told Mr. Stanford that?

8 A. I said this to Mr. Stanford.

9 Q. What was his response?

10 A. He slammed the phone down.0 4 : 5 4

11 Q. Ms. Crick, after that incident, did you have an y concerns

12 about your job?

13 A. Yes, I did.


15 A. I was concerned that I would be dismissed.0 4 : 5 4

16 Q. What caused you to have that concern?

17 A. That concern came about as a result of a discus sion I had.

18 Q. With who?

19 A. With the prime minister.

20 Q. And what did the prime minister say that caused you to have0 4 : 5 4

21 concern about your job?

22 MR. PARRAS: Judge, he's asking for hearsay.

23 THE COURT: How do you get it in?

24 MR. WARREN: Not offered for the truth, your Hono r.

25 It's goes to the witness' state of mind.0 4 : 5 4


1852

1 THE COURT: Does it have any relevance, what the prime0 4 : 5 5

2 minister said, to this case?

3 MR. WARREN: It does as it concerns Ms. Crick's

4 employment as a regulator.

5 THE COURT: Overrule the objection for that limit ed0 4 : 5 5

6 purpose. We'll see if it has a connection. If i t doesn't,

7 I'll strike it. You may answer.

8 THE WITNESS: The prime minister advised me that

9 Mr. Stanford requested that I be dismissed.

10 BY MR. WARREN: 0 4 : 5 5

11 Q. Did you ever talk with Mr. Stanford about how h e conducts

12 his business?

13 A. Yes.

14 Q. Can you please tell the jury what that discussi on was?

15 A. At the end of one of the committee meetings, I remember0 4 : 5 5

16 walking out of the building with him and there wa s a general

17 discussion. I don't recall what it was about at this time.

18 But I remember commenting, saying to him: You kn ow,

19 Mr. Stanford, you need to be -- to take more of a back seat in

20 respect of how you operate. You need to let your technicians0 4 : 5 6

21 and your professionals go forward, be the face of the company.

22 Q. What was Mr. Stanford's response?

23 A. He said: Ms. Crick, I don't operate that way.

24 Q. What did you understand him to mean, "I don't o perate that

25 way"?0 4 : 5 6


1853

1 A. He's very hands-on where his business is concer ned.0 4 : 5 6

2 Q. Ms. Crick, I would like to turn your attention to the

3 summer of 1998. Were you a director of the FSRC at that time?

4 A. Yes.

5 Q. Did there come a time when you were instructed to report to0 4 : 5 6

6 Mr. Stanford?

7 A. Yes.

8 Q. Please tell the jury what happened.

9 A. I was out of the island. When I returned, I fo und that

10 there was a letter waiting for me.0 4 : 5 6

11 Q. Who was the letter from?

12 A. The letter was signed by the prime minister and the

13 minister of finance.

14 Q. What did the letter say?

15 A. The letter advised me that Mr. Stanford was now in charge0 4 : 5 7

16 of the office, my office.

17 Q. What did you understand that to mean, Mr. Stanf ord was now

18 in charge of your office?

19 A. That he had full responsibilities for the opera tions of the

20 office. 0 4 : 5 7

21 Q. Which office was that?

22 A. The office of the International Business Corpor ations

23 Department.

24 Q. That's the FSRC predecessor?

25 A. Yes.0 4 : 5 7


1854

1 Q. At this time was Mr. Stanford -- did he own Sta nford0 4 : 5 7

2 International Bank?

3 A. Yes, he did.

4 Q. Was that a bank that you were tasked with regul ating?

5 A. Yes.0 4 : 5 7

6 Q. What did you do upon receiving this letter?

7 A. Upon receiving this letter, I immediately sough t the legal

8 opinion of the attorney general.

9 Q. Why did you seek the opinion of the attorney ge neral?

10 A. Because I did not think that the decision was a ppropriate.0 4 : 5 8

11 Q. Well, if I understand you correctly, it was a l etter from

12 the prime minister and who else?

13 A. And the minister of finance.

14 Q. Telling you to report to Mr. Stanford?

15 A. That Mr. Stanford was now in charge of my offic e, yes.0 4 : 5 8

16 Q. Why didn't you just follow orders?

17 MR. PARRAS: Judge, relevance on that.


19 THE WITNESS: Again, it goes to the question of t he

20 role of an individual who owns an entity that is being0 4 : 5 8

21 regulated and the position that this individual w ould now be

22 placed in charge of a department that regulates t he very entity

23 that this person owns, conflict of interest, inap propriate, and

24 it was not acceptable to me and I thought legally the decision

25 could not stand. This was a government departmen t with a0 4 : 5 9


1855

1 private citizen in charge of it.0 4 : 5 9

2 BY MR. WARREN:

3 Q. Ms. Crick, is this another instance of the rat watching the

4 cheese?

5 A. Certainly was.0 4 : 5 9

6 Q. Did you ever hear back from the attorney genera l?

7 A. Yes, I did.

8 Q. How long did it take?

9 A. Several weeks before I actually got a response.

10 Q. And what was the response from the attorney gen eral?0 4 : 5 9

11 A. That the decision could not stand. In fact, th e decision

12 was rescinded.

13 Q. What do you mean, "the decision was rescinded"?

14 A. I received the letter saying that the previous letter was

15 revoked.0 4 : 5 9

16 Q. What did you do during those couple of weeks wh en you were

17 waiting to hear back from the attorney general?

18 A. I absented myself from my office.

19 Q. Ms. Crick, what do you mean you absented yourse lf?

20 A. I did not report to work. I took the view that my0 5 : 0 0

21 responsibility was to be in charge of the office, someone was

22 now placed in charge --

23 MR. PARRAS: Narrative at this point. She alread y

24 asked and answered.



1856

1 THE WITNESS: I took the position that I was the0 5 : 0 0

2 individual who was in charge of the office. That was one of my

3 main functions that had been taken from me, someo ne else had

4 been placed in that position with that responsibi lity and,

5 therefore, I absented myself.0 5 : 0 0

6 BY MR. WARREN:

7 Q. Did you talk with Mr. Stanford during this inte rim period

8 when you were waiting for an opinion from the att orney general?

9 A. Yes.

10 Q. Please describe for the jury what that discussi on was with0 5 : 0 0

11 Mr. Stanford.

12 A. Mr. Stanford called my home and asked if I coul d come in to

13 the office to sign a number of documents.

14 Q. Do you know what those documents were concernin g?

15 THE COURT: Yes or no, do you know?0 5 : 0 1

16 THE WITNESS: Yes, I do.

17 BY MR. WARREN:

18 Q. Did Mr. Stanford tell you what the documents we re he wanted

19 you to sign?

20 A. Yes, he did.0 5 : 0 1

21 Q. What were they?

22 A. They were documents for the registration of int ernational

23 companies.

24 Q. Did you sign the documents that Mr. Stanford as ked you to

25 sign?0 5 : 0 1


1857

1 A. Eventually when I returned.0 5 : 0 1

2 Q. Did you sign the documents during the interim p eriod?

3 A. No, I did not.

4 Q. Why not?

5 A. I did not return to work. The documents were n ot sent to0 5 : 0 1

6 my home, so they were not signed.

7 Q. Ms. Crick, I would like to turn your attention to 1999. Do

8 you recall an incident involving the files of the FSRC?

9 A. Yes, I do.

10 Q. What was going on at the time?0 5 : 0 1

11 A. I received a letter from the board of directors advising me

12 that a team had been put together to conduct what was called

13 Operation Clean Slate.

14 THE COURT: Clean what? Clean suite?

15 MR. WARREN: Clean Slate.0 5 : 0 2

16 THE WITNESS: Clean Slate.

17 THE COURT: Clean Slate.

18 BY MR. WARREN:

19 Q. Ms. Crick, please describe for the jury Operati on Clean

20 Slate.0 5 : 0 2

21 A. Operation Clean Slate was an exercise to review the

22 operations of a number of the entities, banks, et cetera, that

23 operated in the jurisdiction.

24 Q. Did Mr. Stanford have any involvement in Operat ion Clean

25 Slate?0 5 : 0 2


1858

1 A. Not directly, no.0 5 : 0 2

2 Q. Did he have indirect involvement?

3 A. Yes.

4 Q. How so?

5 A. He was the employee -- employer -- sorry -- of a number of0 5 : 0 3

6 persons who operated within that team.

7 Q. Was he paying those employees at the time?

8 A. Yes, he was.

9 Q. Did Mr. Stanford pay for anything else regardin g Operation

10 Clean Slate?0 5 : 0 3

11 A. Operation Clean Slate was -- yes, he did.

12 Q. What did he pay for?

13 A. He paid for the erection of new offices where t hese persons

14 were supposed to -- from which they were supposed to operate.

15 Q. So, he built the offices and he was paying thes e people --0 5 : 0 3

16 A. He refurbished an area, uh-huh.

17 Q. So, what was going on with regard to Operation Clean Slate

18 in the files of FSRC?

19 A. I was instructed by the board to turn over the files for

20 all the licensed entities to Mr. Patrick O'Brien.0 5 : 0 3

21 Q. And let me stop you there for a second. Turn o ver all the

22 files, what did these files include?

23 A. They ranged from financial information -- all o f the normal

24 regulatory reports that one would find in connect ion with these

25 entities.0 5 : 0 4


1859

1 Q. Did those files include documents regarding Sta nford0 5 : 0 4


3 A. Yes, they would have included those.

4 Q. You mentioned Patrick O'Brien. Who is Mr. O'Br ien?

5 A. Mr. O'Brien was a member of the team, a lawyer by0 5 : 0 4

6 profession.

7 Q. Who did he work for?

8 A. He worked for Stanford, Allen Stanford.

9 Q. And what happened with the files?

10 A. On the day that I was supposed to turn the file s over, that0 5 : 0 4

11 morning -- or rather -- let me see. The day befo re I was due

12 to turn the files over to Mr. Patrick O'Brien --

13 Q. This was Mr. Stanford's employee?

14 A. Yes.

15 Q. Did you turn over the files?0 5 : 0 4

16 A. No.

17 Q. Why not?

18 A. The day prior to the -- the day on which I was supposed to

19 do that, I began to have second thoughts about wh ether or not

20 what I was about to do was legally appropriate.0 5 : 0 5


22 A. The files, according to law, are -- let me put it this way.

23 The supervisor of international banks is the cust odian of these

24 files.

25 Q. The supervisor of international banks, who does that person0 5 : 0 5


1860

1 work for?0 5 : 0 5

2 A. That person worked for the FSRC.

3 Q. You said that person was the custodian of the f iles?

4 A. Yes, in law. And I was concerned that I was tu rning the

5 files over to someone who had no legal standing t o receive0 5 : 0 5

6 those files.

7 Q. Did you ultimately turn over those files volunt arily?

8 A. No.

9 Q. What happened with the files?

10 A. I -- I know -- I can explain exactly what happe ned. In0 5 : 0 6

11 terms of the day itself, I sought to get a legal opinion.

12 Q. Did you get a legal opinion?

13 A. I did.

14 Q. What did the legal opinion say about turning ov er the

15 files?0 5 : 0 6

16 A. The legal opinion stated that the files had to be turned

17 over to the supervisor of international banks.

18 Q. That would be the person who works for the FSRC ?

19 A. Yes.

20 Q. Not to Mr. O'Brien, who worked for Mr. Stanford ?0 5 : 0 6

21 A. No.

22 Q. What happened with the files?

23 A. Well, when I returned -- after I went to the so licitor

24 general to seek a legal opinion, he explained to me that I

25 should not turn the files over until he had given me that legal0 5 : 0 6


1861

1 opinion. He promised to give me the legal opinio n by the end0 5 : 0 6

2 of the day. I returned to my office and explaine d to

3 Mr. O'Brien that I -- I explained to him what I h ad done, that

4 I had sought the legal opinion, that I was told t hat I should

5 not take any action, I should not turn the files over but wait0 5 : 0 7

6 for the legal opinion. And he was irate.

7 Q. Ms. Crick, do you recall what day of the week t his was?

8 A. This was a Friday.

9 Q. You said Mr. O'Brien was irate. What do you me an?

10 A. Well, he shouted at me. He said --0 5 : 0 7

11 MR. PARRAS: Judge, hearsay.

12 THE COURT: Who is this that said that?

13 MR. WARREN: It's an employee of Mr. Stanford, yo ur

14 Honor.

15 THE COURT: Okay, counsel. Why doesn't it come i n?0 5 : 0 7

16 He's an employee of Mr. Stanford.

17 MR. PARRAS: Judge, I don't know that he's an

18 employee. There's been no showing he's employee other than

19 this witness' understanding. And he's not here, he's not

20 available, there's no confrontation, there's no s howing --0 5 : 0 7

21 THE COURT: You keep saying confrontation. Doesn 't --

22 assuming that he was an employee of the defendant , you're

23 saying that he can't testify because lack of conf rontation,

24 it's hearsay. Is that right?

25 MR. PARRAS: Yes, Judge.0 5 : 0 8


1862

1 THE COURT: What's the rule right on the point th at0 5 : 0 8

2 you can keep it out?

3 MR. PARRAS: Well, they're attempting to offer it

4 under agency.

5 THE COURT: So?0 5 : 0 8

6 MR. PARRAS: I don't know that they've proved the

7 foundation.

8 THE COURT: Have you proved the foundation?

9 MR. WARREN: Ms. Crick testified that Mr. O'Brien was

10 an employee of Mr. Stanford at the time, your Hon or.0 5 : 0 8

11 THE COURT: You need more than that?

12 MR. PARRAS: I'll take her on cross on that.

13 THE COURT: Okay. Absolutely. Overruled. Go on .

14 BY MR. WARREN:

15 Q. Please continue with what Mr. O'Brien told you.0 5 : 0 8

16 A. He said -- he looked at me. He said: You are nothing but

17 an obstructionist.

18 Q. Did he say anything else?

19 A. He said: The board recently increased your sal ary a

20 hundred percent and this is what you're doing?0 5 : 0 9

21 Q. Had the board recently increased your salary, M s. Crick?

22 A. I -- when the legislation was --

23 Q. Ms. Crick, I'm sorry. If you could just focus on the

24 question. Had the board recently increased your salary?

25 A. There was an increase in my salary.0 5 : 0 9


1863

1 THE COURT: Was it a hundred percent?0 5 : 0 9

2 THE WITNESS: It was.

3 THE COURT: All right. So it was. Okay.

4 BY MR. WARREN:

5 Q. What did you understand Mr. O'Brien to mean in saying the0 5 : 0 9

6 board just increased your salary, you're being an

7 obstructionist?

8 THE COURT: Now you can object.

9 MR. PARRAS: Relevance, speculation.


11 Ladies and gentlemen, it's 10 after 5:00. You

12 want to take a 10-minute break, or you want to ke ep going? You

13 tell me. We can take a 10-minute break and go up to 6:05 or go

14 straight through. Anybody? Anybody want to take a break?

15 A JUROR: I'm fine.0 5 : 0 9

16 THE COURT: You all right?

17 A JUROR: Yes.

18 THE COURT: All right. We'll keep going to 6:00. I

19 don't mean to be obstructionist to anyone who nee ds to take a

20 break. Wait, wait. The court reporter is key. 0 5 : 1 0

21 How you doing, Cher?

22 THE COURT REPORTER: Okay.

23 THE COURT: All right. Let's go.


25 BY MR. WARREN: 0 5 : 1 0


1864

1 Q. Ms. Crick, you said this happened on a Friday?0 5 : 1 0

2 A. Yes.

3 Q. Did you return to work on Monday?

4 A. Yes, I did.

5 Q. Were your files there on Monday?0 5 : 1 0

6 A. No.

7 Q. What happened to the files? Strike that.

8 Did you give permission to anyone to remove the

9 files from your office between the time you left and you came

10 back?0 5 : 1 0

11 A. I did not.

12 Q. You didn't pick up the phone and say: It's oka y, turn over

13 my files?

14 A. No.

15 Q. Who took the files? 0 5 : 1 0

16 MR. PARRAS: If she knows, Judge.

17 THE COURT: Hang on one second. Sorry. Let me s top

18 it just for a second.

19 It's about -- tomorrow morning I got a two

20 re-arraignments but one apparently is going right to0 5 : 1 0

21 sentencing, a unique situation. So, Ellen.

22 (Sidebar with court staff)


24 MR. PARRAS: Judge, my objection was personal

25 knowledge unless there's a foundation.0 5 : 1 1


1865

1 THE COURT: Where's the personal knowledge?0 5 : 1 1

2 BY MR. WARREN:

3 Q. Ms. Crick, do you know who took the files?

4 A. Yes, I do.

5 Q. Who took the files?0 5 : 1 1

6 A. Mr. Allen Stanford.

7 Q. Ms. Crick, let's talk about your regulation of Stanford

8 International Bank. When did Stanford Internatio nal Bank begin

9 doing business in Antigua?

10 A. I'm not sure of the exact date.0 5 : 1 1

11 Q. Approximately when?

12 A. It would go back to the early -- the latter par t of the

13 Eighties, I think.

14 Q. Did Stanford International Bank ever do busines s on Antigua

15 under another name?0 5 : 1 2

16 A. Yes.

17 Q. Under what name?

18 A. Guardian Bank.

19 Q. Did Guardian International Bank do business any where else

20 before it came to Antigua?0 5 : 1 2

21 A. Yes, it did.

22 Q. Where?

23 A. In Montserrat.

24 Q. And when Guardian started operating in Antigua, was it also

25 still operating in Montserrat?0 5 : 1 2


1866

1 MR. PARRAS: Judge, objection here, personal0 5 : 1 2

2 knowledge.

3 THE COURT: All right. See if she has personal

4 knowledge of that.

5 BY MR. WARREN: 0 5 : 1 2

6 Q. Ms. Crick, as part of your responsibilities wit h the FSRC,

7 was it your responsibility to know the history of the entities

8 that you regulated?

9 THE COURT: The question was -- we know they were on

10 Montserrat. Then they moved to Antigua. The que stion was:0 5 : 1 2

11 When they moved to -- what is it -- Antigua, were they still

12 doing business on Montserrat?


14 THE COURT: That's the exact question you had. S o,

15 lay some groundwork that she knows, if she does, that they were0 5 : 1 3

16 still doing business on the other island when the y moved to her

17 island.

18 BY MR. WARREN:

19 Q. Ms. Crick, do you know whether Guardian was sti ll doing

20 business on Montserrat when they moved to Antigua ?0 5 : 1 3

21 THE COURT: Do you know?

22 THE WITNESS: I do not know.

23 THE COURT: You don't. Okay.

24 BY MR. WARREN:

25 Q. Do you know whether Guardian stopped doing busi ness on0 5 : 1 3


1867

1 Montserrat at some point in time?0 5 : 1 3

2 A. Yes, I do.

3 Q. Do you know why Guardian stopped doing business on

4 Montserrat?

5 MR. PARRAS: Objection, Judge, speculation, lack of0 5 : 1 3

6 personal knowledge, calls for hearsay.

7 THE COURT: Now, find out, find out how she knows

8 before she tells you what she knows.

9 BY MR. WARREN:

10 Q. Ms. Crick, was it part of your job to know the history of0 5 : 1 3

11 Stanford International Bank?

12 A. Yes.

13 Q. Was it part of your job to know the history of the other

14 companies that you regulated?

15 A. Yes.0 5 : 1 3

16 Q. Did you inquire and investigate as to what the history of

17 Stanford International Bank was before you became the director

18 in 1998?

19 A. (No response).

20 Q. Let me rephrase.0 5 : 1 3

21 THE COURT: In other words, they moved to Antigua .

22 Did you do an investigation as part of your job a s to what was

23 going on on Montserrat, yes or no? Now, by the w ay, if you

24 can't answer a question yes or no, you let us kno w. Okay?

25 THE WITNESS: No, I don't know.0 5 : 1 4


1868


2 BY MR. WARREN:

3 Q. Ms. Crick, I would like to show you Government Exhibit 511,

4 which is already admitted into evidence. Ms. Cri ck, as you can

5 see, this is a November 28th, 1990, letter from t he Montserrat0 5 : 1 4

6 Ministry of Finance and Economic Development.

7 A. That is correct, yes.

8 Q. Would you please read who the letter is to?

9 A. Sorry. Could I please read --

10 Q. Who is the letter to?0 5 : 1 4

11 A. Who is the letter to? The letter is to Mr. All en Stanford.

12 Q. And could you please read starting with "Dear

13 Mr. Stanford"?

14 MR. PARRAS: Judge, I object at this point. This

15 letter is in evidence. I don't think it's being properly used0 5 : 1 5

16 with this witness. She has no personal knowledge of this

17 letter until just now when it's given to her.

18 THE COURT: Overruled. We understand that, but f or

19 some -- you know, you want it read, we can have i t read. We

20 just have someone to facilitate reading it. Go o n.0 5 : 1 5

21 Who's it from? Is it from your organization?

22 THE WITNESS: No, it's not.

23 THE COURT: Okay. Ministry of Finance and Econom ic

24 Development, but it's from a government agency. Is that

25 correct?0 5 : 1 5


1869

1 THE WITNESS: Yes.0 5 : 1 5

2 BY MR. WARREN:

3 Q. In what country?

4 A. Montserrat.

5 Q. Could you please read starting with "Dear Mr. S tanford"?0 5 : 1 5

6 THE COURT: No, no. We've already discussed this ,

7 right?


9 THE COURT: And it's in evidence. However, doesn 't

10 mean she's got personal knowledge of it. She's j ust reading0 5 : 1 5

11 for something that's already in. So, the other a lternative is

12 he can read it and then take it from there. So, if he wants to

13 use it through a witness, fine; but you understan d that this

14 witness has -- you know, did not originate it and it wasn't

15 from her agency. All right. Go on.0 5 : 1 6

16 THE WITNESS: "Dear Mr. Stanford, pursuant to the

17 truth decision of the Governor-in-Council on Tues day,

18 27 November, 1990, I write to inform you that it is proposed to

19 make an order under the banking ordinance revokin g Guardian

20 International Bank's A and B banking licenses on the grounds0 5 : 1 6

21 of."

22 BY MR. WARREN:

23 Q. And let me stop you there for a moment. Were y ou ever told

24 by Mr. Stanford that Guardian International Bank had received a

25 notice from the Montserrat Ministry of Finance pr oposing0 5 : 1 6


1870

1 revocation of its bank license?0 5 : 1 6

2 A. No.

3 Q. Would that information have been relevant to yo ur job as a

4 regulator in Antigua?

5 MR. PARRAS: Objection, Judge, relevance.0 5 : 1 7


7 THE WITNESS: It would have been.

8 BY MR. WARREN:

9 Q. Why?

10 A. The history of an entity that comes into the ju risdiction0 5 : 1 7

11 would always be relevant and especially in this r espect.

12 Q. Ms. Crick, could you please read Number 1?

13 A. "1, failing to employ an approved auditor as re quired by

14 Section 25 between of the banking ordinance."

15 THE COURT: Okay. We've already seen this, couns el.0 5 : 1 7

16 Okay? Now you going to ask her the same question ?



19 BY MR. WARREN:

20 Q. Ms. Crick, did Mr. Stanford ever tell you that the0 5 : 1 7

21 Montserrat banking authority had called out Guard ian Bank's

22 failure to employ an approved auditor?

23 MR. PARRAS: Judge, at this point I'm going to ob ject

24 to argumentative. This is an improper purpose, u sing this

25 exhibit for simply argument.0 5 : 1 7


1871

1 THE COURT: What else?0 5 : 1 8

2 MR. PARRAS: It's not relevant, she's speculating .

3 THE COURT: Why isn't it relevant? You tell me w hy

4 it's not relevant.

5 MR. PARRAS: Because she was not an official at0 5 : 1 8

6 Montserrat.

7 THE COURT: No, no. The information, why isn't i t

8 relevant? That's already in evidence. Okay?

9 MR. PARRAS: The other information --

10 THE COURT: He may be going about it, you know, a0 5 : 1 8

11 lengthy way; but where is it not being relevant?

12 MR. PARRAS: Well, Judge, there's other evidence in

13 the record that's not before this witness that --

14 THE COURT: Well, then that's your job, isn't it?

15 MR. PARRAS: -- the government of Montserrat aske d0 5 : 1 8

16 them to come back.

17 THE COURT: I understand. You-all remember that,

18 right? The jury remembers that. That's cross-ex amination,

19 absolutely.

20 MR. PARRAS: May I object under 403? This is a w aste0 5 : 1 8

21 of time, confusing --

22 THE COURT: Overruled. It's already in, counsel.

23 It's already in. And the jury remembers what's a lready in.

24 So, you need to address it all and move it along. I understand

25 the objection. That's overruled, but you need to move it0 5 : 1 8


1872

1 along. We don't want to go over the same territo ry we've been0 5 : 1 8

2 before. You could just remind her of this and th en say: How

3 does that affect your -- you know, your action? It's your

4 time, but there's a way to shortcut this.

5 MR. WARREN: Of course, your Honor.0 5 : 1 9

6 THE COURT: Okay.

7 BY MR. WARREN:

8 Q. Ms. Crick, I forget the last question; but were you ever

9 told by Mr. Stanford about Number 1, that they ha d been noted

10 for their failure to employ an approved auditor?0 5 : 1 9

11 A. No.

12 Q. Would that have been relevant to your regulatio n of

13 Stanford International Bank in Antigua?

14 A. It would have been.

15 THE COURT: Have you seen this document before?0 5 : 1 9

16 THE WITNESS: I saw this document for the first t ime

17 yesterday.

18 THE COURT: All right. So you saw it, so you rea d the

19 whole thing. Is that correct?


21 THE COURT: All of the items as listed out in tha t

22 letter from the bank regulators on Montserrat, wo uld that have

23 affected your decision if you had known about it?

24 THE WITNESS: Yes, it would.

25 MR. WARREN: Okay.0 5 : 1 9


1873

1 THE COURT: You want to go down it, now it's up t o0 5 : 1 9

2 you.

3 MR. WARREN: There's a shortcut, your Honor.

4 THE COURT: Right.

5 BY MR. WARREN: 0 5 : 1 9

6 Q. Ms. Crick, I would like to focus in particular on Number 4.

7 THE COURT: That's all right.

8 MR. WARREN: How's that, your Honor?


10 BY MR. WARREN: 0 5 : 1 9

11 Q. Number 4 says, "Having a director who is a form er bankrupt

12 as mentioned in Section 10(1)(C) of the banking o rdinance."

13 Did you know that someone on the board of

14 directors of Guardian Bank had formerly been bank rupt?

15 A. No, I wasn't aware.0 5 : 2 0

16 Q. Do you know whether Mr. Stanford had formerly b een

17 bankrupt?

18 A. No.

19 THE COURT: Is there a way to find out, yes or no ?

20 Have you ever found out?0 5 : 2 0

21 THE WITNESS: No.

22 THE COURT: Okay.

23 BY MR. WARREN:

24 Q. Is that something that would have been relevant to Stanford

25 International Bank's license to operate as a bank in Antigua?0 5 : 2 0


1874

1 A. It would be, yes.0 5 : 2 0

2 Q. Why?

3 A. In fact, our legislation makes provision for pe rsons who

4 have been bankrupt not to be licensed or to serve in -- in a

5 capacity as shareholder or director.0 5 : 2 0

6 Q. Is this document part of the FSRC's file on Sta nford


8 A. Not that I am aware of.

9 Q. Should Stanford International Bank have provide d this

10 document to the Antiguan regulators?0 5 : 2 0

11 MR. PARRAS: Objection, Judge, speculation.

12 THE COURT: Why is it speculation?

13 MR. PARRAS: Should --

14 THE COURT: That was her job, right? She's askin g

15 should have been provided.0 5 : 2 1

16 MR. PARRAS: At what time?

17 THE COURT: At what time?

18 MR. PARRAS: Yes.


20 THE COURT: When the bank application was filed,0 5 : 2 1

21 correct or not?

22 BY MR. WARREN:

23 Q. Ms. Crick, at any time during the operation of SIB on

24 Antigua, should they have pointed this informatio n out to the

25 Antiguan regulator?0 5 : 2 1


1875

1 A. Yes.0 5 : 2 1

2 Q. Did they, as far as you know?

3 A. No.

4 Q. Ms. Crick, I'm handing you what has been marked as

5 Government Exhibit 612 for identification.0 5 : 2 1

6 MR. WARREN: Your Honor, if there's no objection,

7 we'll introduce it. If there is, I'll lay a foun dation.

8 MR. PARRAS: No objection, Judge.

9 THE COURT: Okay. 612 is now admitted. It's now in

10 evidence. It's all in evidence but subject to no objection.0 5 : 2 2

11 Thank you.

12 BY MR. WARREN:

13 Q. Ms. Crick, generally describe what this documen t is to the

14 jury.

15 A. This document advises Stanford International Ba nk that it0 5 : 2 2

16 has been selected for an on-site examination.

17 THE COURT: By who?

18 THE WITNESS: By the supervisor of International Banks

19 and Trusts.

20 BY MR. WARREN: 0 5 : 2 2

21 Q. And, Ms. Crick, the highlighted part up top, In ternational

22 Financial Sector Regulatory Authority, is that a predecessor of

23 the FSRC?

24 A. Yes, it is.

25 Q. What was your position at the time with regard to that0 5 : 2 2


1876

1 entity?0 5 : 2 2

2 A. I was the executive director as well as the sup ervisor of

3 International Banks and Trusts.

4 Q. You mentioned that this is a notification of an examination

5 of SIB. What's an examination?0 5 : 2 2

6 A. An examination is a routine regulatory review. What we do

7 is go into the organization, conduct certain test s to ensure

8 that the bank in this case is complying with inte rnational

9 standards, with the regulations and that it's fin ancially

10 sound.0 5 : 2 3

11 Q. What do you mean by "financially sound"?

12 A. It has the capacity to meet the -- its assets a re adequate

13 in meeting its current and long-term liabilities.

14 Q. And you mentioned testing and being on site. C an you just

15 give a little bit of explanation as to how the ex amination is0 5 : 2 3

16 actually conducted? What do the examiners actual ly do?

17 A. They go in and they -- well, prior to going in, they would

18 request certain documents. And upon receiving th ose documents,

19 when they go in to do the actual examination, the y would use

20 those documents as a basis for creating -- determ ining their0 5 : 2 3

21 samples and conducting their tests.

22 Q. What kind of documents?

23 A. There would be documents, mainly in support of the

24 significant assets that appear on the balance she et.

25 Q. What's the date of this letter?0 5 : 2 4


1877

1 A. It's dated August 1st, 2001.0 5 : 2 4

2 Q. And when is the on-site examination scheduled t o occur?

3 A. It was scheduled to occur -- commence on August 20, 2001.

4 Q. Had SIB, Stanford International Bank, ever been examined in

5 this manner before?0 5 : 2 4

6 A. Not that I am aware of.

7 Q. Never examined before 2001?

8 A. Not in this manner, no.

9 Q. Why not?

10 A. The early version of the institution did not ha ve the0 5 : 2 4

11 capacity in terms of personnel, trained personnel , to conduct

12 these examinations.

13 Q. And this is what you were brought in to do, rig ht, to --

14 A. I was brought on, yes, to do that, to put these things in

15 place.0 5 : 2 5

16 Q. Ms. Crick, who was supposed to conduct this exa mination?

17 A. Mr. Frank De Abreu, Mr. Peter Queeley and I wer e supposed

18 to.

19 THE COURT: Let me ask you this. At that time di d you

20 have that anti-money laundering certification, or did that come0 5 : 2 5

21 later?

22 THE WITNESS: That came a little later. I think not

23 long after.

24 THE COURT: But that was your specialty at the ti me?



1878

1 THE COURT: Okay. Go on.0 5 : 2 5

2 In addition to what you were doing?

3 THE WITNESS: Right.

4 THE COURT: Okay.

5 BY MR. WARREN: 0 5 : 2 5

6 Q. Ms. Crick, who made the determination that Mr. De Abreu,

7 Mr. Queeley and you would be conducting the exami nation?

8 A. I made that determination.

9 Q. Whose job was it to make that determination?

10 A. The supervisor of International Banks. I was i n that0 5 : 2 5

11 position at the time.

12 Q. Were you involved throughout the entire examina tion of the

13 bank?

14 A. No.

15 Q. Why not?0 5 : 2 5

16 A. The first day of the -- I had put in place a re gime whereby

17 at the end of the day -- because I wasn't on the actual on site

18 at the time. The first day of the examination, I had put in

19 place a regime whereby the end of the day, the ex aminers would

20 report to me.0 5 : 2 6

21 Q. And did the -- the examiners being Mr. De Abreu and

22 Mr. Queeley?

23 A. Yes, they did.

24 Q. And at the end of the first day, did they repor t to you?

25 A. Yes, they did.0 5 : 2 6


1879

1 Q. Did they continue to report to you throughout t he0 5 : 2 6

2 examination?

3 A. No.

4 Q. Why not?

5 A. Because the following day I received a telephon e call.0 5 : 2 6

6 Q. From who?

7 A. From the prime minister.

8 Q. What did the prime minister tell you?

9 MR. PARRAS: Objection, Judge, hearsay.

10 THE COURT: Again, it's hearsay. How do you get0 5 : 2 6

11 around it?

12 MR. WARREN: It's not for the truth, your Honor. It

13 goes to --

14 THE COURT: What?

15 MR. WARREN: It's -- the next question will --0 5 : 2 7

16 THE COURT: Well, no, I mean, for what? In other

17 words, to show what she -- what action she took o r did not

18 take?

19 MR. WARREN: It's not coming for the truth, your

20 Honor. It's a directive from the prime minister to Ms. Crick.0 5 : 2 7

21 THE COURT: I understand that; but in other words ,

22 it's to show what actions she either took or did not take based

23 upon what she was told?

24 MR. WARREN: Absolutely, your Honor.

25 THE COURT: Overrule the objection for that limit ed0 5 : 2 7


1880

1 purpose.0 5 : 2 7

2 BY MR. WARREN:

3 Q. Ms. Crick, what were you told by the prime mini ster?

4 A. I was told that there was an examiner that Mr. Stanford

5 wanted removed from the examination.0 5 : 2 7

6 Q. Who was that examiner?

7 A. Mr. Peter Queeley.

8 Q. What was the reason given to you?

9 A. The reason was that Mr. Queeley had -- was in p ossession of

10 a camera.0 5 : 2 7

11 MR. PARRAS: I object. It's hearsay. They are

12 admitting it for --

13 MR. WARREN: I'll move on, your Honor.

14 THE COURT: Okay. Move on. I'll sustain it. Go on.

15 As to that last one. Go on.0 5 : 2 7

16 BY MR. WARREN:

17 Q. Ms. Crick, was Mr. Queeley ultimately removed f rom the

18 examination?

19 A. Yes, he was.

20 Q. Who made the decision to remove Mr. Queeley?0 5 : 2 7

21 A. It was the board.

22 THE COURT: Well, the board, meaning, what, the w hole

23 board? Were you on the board at the time?

24 THE WITNESS: No. The board took a decision and

25 informed me.0 5 : 2 8


1881


2 BY MR. WARREN:

3 Q. And, Ms. Crick, I'm sorry. Could you just expl ain the

4 difference in what you were doing at the time ver sus the board?

5 A. My role was that of executive director. The au thority,0 5 : 2 8

6 later the commission, is governed by a board of d irectors. So,

7 I would take directives from the board.

8 THE COURT: You're like, what, the chief operatin g

9 officer, in other words?


11 THE COURT: You were the first person they went t o to

12 effect their decisions?


14 THE COURT: Okay.

15 BY MR. WARREN: 0 5 : 2 8

16 Q. Ms. Crick, did you continue throughout the enti re

17 examination?

18 A. I did not.

19 Q. Why not?

20 A. I also received instructions from the board by way of a0 5 : 2 8

21 letter advising me that both Mr. Queeley and I we re supposed to

22 go on a trip.

23 Q. What kind of trip were you told to go on?

24 A. We were told to visit a number of Caribbean isl ands.

25 Q. And what was the purpose of the trip as you wer e told?0 5 : 2 9


1882

1 A. We were supposed to familiarize ourselves with any new0 5 : 2 9

2 developments in the international business.

3 Q. All right. How quickly was this trip arranged?

4 A. Very quickly.

5 Q. Had you gone on trips like this before?0 5 : 2 9

6 A. Some months before, sometime before -- I don't recall

7 exactly when -- I had undertaken such a trip.

8 Q. How long -- that prior trip, the one you took a few months

9 before, how long did it take to plan that trip?

10 A. It took several -- it took about a month at lea st.0 5 : 2 9

11 Q. How long did it take to plan this trip when you were sent

12 away during the examination?

13 A. A matter of days.

14 Q. Was it normal that the -- this trip during this examination

15 was arranged so quickly?0 5 : 2 9

16 A. There was nothing normal about this trip.

17 Q. Did you think this trip when you were sent away was

18 necessary?

19 A. No, it was not.

20 Q. Why not?0 5 : 3 0

21 A. I had just done a similar trip not so long ago.

22 Q. Did you raise these concerns with anyone?

23 A. Yes, I did.

24 Q. With who?

25 A. With the board.0 5 : 3 0


1883

1 Q. And what did the board say?0 5 : 3 0

2 A. They simply directed me to go on the tour.

3 Q. Who accompanied you on this tour?

4 A. Call it a tour. Mr. Peter Queeley and Mr. Wren ford

5 Ferrance.0 5 : 3 0

6 Q. Who is Mr. Ferrance?

7 A. Mr. Ferrance at the time was the director of th e Office of

8 National Drug Control Policy.

9 Q. For what reason was Mr. Queeley and the directo r of the

10 National Drug Policy Enforcement accompanying you on a trip to0 5 : 3 0

11 these other islands?

12 MR. PARRAS: Judge, objection, hearsay, unless sh e has

13 personal knowledge.

14 THE COURT: Overruled. Why were you told they we re

15 going?0 5 : 3 0

16 THE WITNESS: I was not given any explanation.

17 THE COURT: Okay.

18 BY MR. WARREN:

19 Q. Was there any legitimate reason, as you underst ood, for

20 Mr. Queeley to accompany you on this trip?0 5 : 3 1

21 A. No.

22 THE COURT: Now you should have gotten up and

23 objected, counsel.

24 MR. PARRAS: Mr. --

25 THE COURT: But he already asked it. We got to g o --0 5 : 3 1


1884

1 MR. PARRAS: He asked her whether she had an0 5 : 3 1

2 understanding.

3 THE COURT: -- question by question. Go on.

4 BY MR. WARREN:

5 Q. Ms. Crick, had Mr. Queeley or any other examine r0 5 : 3 1

6 accompanied you on your prior trip a few months b efore?

7 A. No.

8 Q. Who replaced Mr. Queeley as an examiner?

9 A. Mr. Trevor Bailey.

10 Q. And who replaced you as overseeing the examiner s during0 5 : 3 1

11 this examination of Stanford International Bank?

12 A. I'm not sure who carried out that exercise.

13 Q. Who made the decision to replace Mr. Queeley wi th

14 Mr. Bailey?

15 A. It was a board decision. In fact, I got corres pondence to0 5 : 3 1

16 that effect.

17 Q. Was it normal for the board to decide which exa miners

18 conducted examinations of the bank?

19 A. That was not normal.

20 Q. Do you know whether Stanford International Bank ever0 5 : 3 1

21 produced documents that it was requested to produ ce?

22 A. No.

23 Q. Why not? That is, why don't you know?

24 A. Because I was not part of the audit.

25 Q. How thorough was the examination of the bank?0 5 : 3 2


1885

1 A. I don't know.0 5 : 3 2

2 Q. Why don't you know how thorough it was?

3 A. Because I was not part of it.

4 Q. Ms. Crick, when did you leave your position as the

5 executive director of the FSRC?0 5 : 3 2

6 A. The early part of 2002.

7 Q. Why did you leave?

8 A. A few months before I left the --

9 MR. PARRAS: Objection, nonresponsive.

10 THE COURT: Overruled. In other words, why did y ou --0 5 : 3 2

11 you left in 2002. Do you know -- why were you to ld?

12 BY MR. WARREN:

13 Q. Why did you leave, Ms. Crick?

14 THE COURT: Or do you know, or did you voluntaril y

15 resign?0 5 : 3 2

16 THE WITNESS: I took a decision to leave, yes.

17 THE COURT: Okay. So it was a voluntarily

18 resignation?

19 THE WITNESS: It was.

20 BY MR. WARREN: 0 5 : 3 2

21 Q. Why did you resign?

22 A. I resigned because of the amendment to the legi slation --

23 an amendment to the legislation creating a positi on called the

24 administrator/CUO, I was asked to apply for the p osition.

25 Q. Why was that a problem for you to apply for a j ob?0 5 : 3 3


1886

1 A. I had -- it was a problem for me because in '98 when the0 5 : 3 3

2 position of executive director was created -- and I should

3 explain that these are just titles. So, I went f rom --

4 MR. PARRAS: Objection, Judge, narrative.


6 MR. WARREN: Your Honor, she's explaining the --

7 THE COURT: I understand. Go a little more quest ion

8 and answer. Tighten it up, please. That's all.

9 BY MR. WARREN:

10 Q. Ms. Crick, please explain how the change in tit les led to0 5 : 3 3

11 you deciding not to apply for this position.

12 A. There were several amendments to the legislatio n, which

13 resulted in the change of title for the substanti ve position.

14 THE COURT: Did they change your duties?

15 THE WITNESS: That's the point I want to get to, your0 5 : 3 4

16 Honor. There was no change in my duties.

17 THE COURT: No change in duties?

18 THE WITNESS: Exactly.

19 THE COURT: It was a change in title?

20 THE WITNESS: Title, that's my point.0 5 : 3 4

21 THE COURT: Why did you think you had to leave?

22 THE WITNESS: Well --

23 MR. WARREN: Your Honor, if I could, I'll even wa lk

24 through this.

25 THE COURT: He wants to ask the questions instead of0 5 : 3 4


1887

1 the Judge. That's fine.0 5 : 3 4

2 MR. WARREN: I'm happy to have your help.

3 THE COURT: By the way, just as a background to t he --

4 just to the jury, lawyers will tell you the diffe rence between,

5 I guess, trying a case in most state courts aroun d the country0 5 : 3 4

6 and the federal courts. The federal judge can co mment on the

7 weight of the evidence. I don't try to do it; bu t the federal

8 judge, he or she can mix it up a lot more than yo u'll find a

9 state judge can. Just think back to your service on state

10 courts. So, I understand that. And he says: Al l right. Can0 5 : 3 4

11 he go through it instead of the judge?

12 And I said: Sure. I'll quiet down for now. For

13 right now.

14 Go right ahead, sir.

15 MR. WARREN: Thank you, your Honor. You have mor e0 5 : 3 5

16 leeway to ask leading questions than I do.

17 THE COURT: I don't know. I get an objection fro m

18 Mr. Parras.

19 BY MR. WARREN:

20 Q. Ms. Crick, if I could just ask you a series of questions to0 5 : 3 5

21 walk through this quickly. Over the -- from 1998 , when you

22 came onboard with the FSRC predecessor, to 2002, had there been

23 multiple changes in the title due to legislative changes?

24 A. Yes.

25 Q. Had the duties that you had changed substantive ly in any0 5 : 3 5


1888

1 way?0 5 : 3 5

2 A. Not in any way.

3 Q. Had you been asked to reapply for any of those positions

4 when the title changed?

5 A. No.0 5 : 3 5

6 Q. You had just been given those job because you h ad been in

7 the job at the time, right?

8 A. Exactly.

9 Q. Now, in 2002, were you just given the job again ?

10 A. No. This time I was asked to apply for the pos ition.0 5 : 3 5

11 THE COURT: And you were, what, removed, then ask ed to

12 reapply?

13 THE WITNESS: No.

14 THE COURT: Okay. I didn't understand that then.

15 Go ahead, you can, counsel.0 5 : 3 5

16 BY MR. WARREN:

17 Q. So, why didn't you apply?

18 A. Given the history that I already had with title s and still

19 just being given the title, since I had the subst antive duties,

20 I saw that as a signal that I was not -- I was be ing asked to0 5 : 3 6

21 leave essentially.

22 Q. Who became the -- who took your place?

23 A. Mr. Leroy King.

24 Q. Ms. Crick, I'm showing you what has been marked as



1889

1 MR. WARREN: Counsel, any objection?0 5 : 3 6

2 MR. PARRAS: That's the photo that I was shown

3 earlier, Judge, no objection.

4 THE COURT: Okay. 2010, correct, sir?

5 MR. PARRAS: Yes.0 5 : 3 6

6 THE COURT: Mr. Warren.

7 MR. WARREN: Yes, your Honor. If I could switch on

8 the overhead for a moment, please.

9 BY MR. WARREN:

10 Q. Ms. Crick, do you recognize that person?0 5 : 3 6

11 A. Yes, I do.

12 Q. Who's that?

13 A. That is Mr. Leroy King.

14 Q. This is the person who took your job, who repla ced you?

15 A. Yes.0 5 : 3 7

16 Q. What was Mr. King's position before he became t he new

17 director of the FSRC?

18 A. He was an advisor in the ministry of finance.

19 Q. Did you subsequently learn whether at the time -- strike

20 that.0 5 : 3 7

21 Did you subsequently learn whether Mr. King had a

22 relationship with Mr. Stanford?

23 A. I did.

24 Q. And what did you learn about that -- we'll get to that in a

25 moment. What did you do after leaving your posit ion as a0 5 : 3 7


1890

1 regulator in 2002?0 5 : 3 7

2 A. I went back to my private practice.

3 Q. Did you ever return to work for the FSRC?

4 A. Yes.

5 Q. When?0 5 : 3 7

6 THE COURT: 2009, is that the date you said?

7 THE WITNESS: 2009.

8 BY MR. WARREN:

9 Q. This is when you were appointed by -- is it the minister of

10 finance?0 5 : 3 7

11 A. Yes.

12 Q. What was going on at the time with regard to St anford

13 International Bank at the FSRC when you returned in April,

14 2009?

15 A. The SEC had conducted an investigation into the operations0 5 : 3 8

16 of Stanford International Bank.

17 Q. Was Stanford International Bank in receivership at the

18 time?

19 A. Yes, it was.

20 Q. That is, was Stanford International Bank still operating?0 5 : 3 8

21 A. No. It was in receivership.

22 Q. And what was the FSRC doing at the time when yo u became

23 chairman with regard to Stanford International Ba nk?

24 THE COURT: That's once she returned?



1891

1 BY MR. WARREN: 0 5 : 3 8

2 Q. When you returned?

3 A. There was an investigation being done into the -- into the

4 matters surrounding the SEC.

5 Q. What was nature of that investigation that the FSRC was0 5 : 3 8

6 conducting?

7 A. There was one -- an investigation into the -- i nto

8 correspondence that the SEC had sent to the commi ssion, FSRC.

9 Q. Let's talk about that for a minute. Can you pl ease explain

10 to the jury the nature of this FSRC investigation for which you0 5 : 3 9

11 were the chairman at the time regarding correspon dence with the

12 SEC?

13 A. The -- we asked the deputy -- the deputy CEO --

14 Q. Who was that?

15 A. Mr. Trevor Mathurin.0 5 : 3 9

16 Q. How do you spell Mr. Mathurin's name?

17 A. It's Trevor, T-R-E-V-O-R. And Mathurin is spel led

18 M-A-T-H-U-R-I-N.

19 Q. What was Mr. Mathurin asked to do with regard t o this issue

20 of correspondence with the SEC?0 5 : 3 9

21 A. He was asked to report to the board on the -- t he issues

22 surrounding that correspondence.

23 Q. Were you on the board at the time?

24 A. Yes.

25 Q. And what did he report to the board regarding t he issue of0 5 : 3 9


1892

1 correspondence?0 5 : 3 9

2 MR. PARRAS: Judge, I object subject to my object ions

3 at the bench, specifically 803(8)(B), (C) and als o 401 and 402.


5 MR. PARRAS: 403.0 5 : 4 0


7 BY MR. WARREN:

8 Q. You may answer, Ms. Crick.

9 THE COURT: Now, this is someone in your agency. Is

10 that correct?0 5 : 4 0

11 THE WITNESS: Yes, it is.

12 THE COURT: And it impacted your actions or lack

13 thereof as far as your future actions concerning this matter.

14 Is that correct?

15 THE WITNESS: Yes. Yes, it is.0 5 : 4 0


17 BY MR. WARREN:

18 Q. Ms. Crick, what did Mr. Mathurin inform the FSR C board had

19 happened with regard to this issue of SEC corresp ondence?

20 A. He informed the board that when the -- it was d iscovered0 5 : 4 0

21 that the SEC had communicated -- had, in fact, se nt

22 correspondence to the commission, he --

23 Q. I'm sorry. What time period was this that the SEC had sent

24 correspondence to the FSRC?

25 A. I am not sure exactly when the -- when that too k place.0 5 : 4 0


1893

1 Q. Ms. Crick, if I could direct your attention her e.0 5 : 4 1

2 A. Yes.

3 Q. And without reading what that document says, le t me know if

4 that refreshes your recollection as to when the c orrespondence

5 between the SEC and the FSRC had been from?0 5 : 4 1

6 A. Yes, I know -- now know when.

7 Q. When had the SEC contacted the FSRC?

8 A. In 2005.

9 Q. In 2005?

10 A. Yes.0 5 : 4 1

11 Q. And what did the SEC contact the FSRC about?

12 MR. PARRAS: Objection, Judge, to hearsay or I wo uld

13 like a limiting instruction that this is only -- not being

14 admitted for the truth of the matter but for the observations

15 pursuant to her regulatory agency.0 5 : 4 2

16 THE COURT: I agree with that. That's so -- the jury

17 is so ordered. It's for that limited purpose. I n other words,

18 she wasn't there in 2005. It was something in he r official

19 records and in her official capacity that she had to do or take

20 action or lack thereof for something she found in the file that0 5 : 4 2

21 has relevance to this case. So, it's not for the truth of

22 what's said in there; it's just to show what acti on or inaction

23 the witness and/or her commission took relevant t o what was in

24 the file.

25 MR. PARRAS: And, Judge, for the record, I'm not0 5 : 4 2


1894

1 waiving my objection by asking for that limiting instruction0 5 : 4 2

2 pursuant to 803(8)(B) and (C).

3 THE COURT: Got it. But that's not in evidence y et.

4 You're just talking to her about it. Okay?

5 MR. WARREN: Correct, your Honor.0 5 : 4 2

6 BY MR. WARREN:

7 Q. Ms. Crick, what was the SEC corresponding with the FSRC

8 back in 2005 about?

9 THE COURT: In other words, what general topic? Let's

10 do it that way.0 5 : 4 3


12 THE WITNESS: Certain information that they were

13 requested in connection with Stanford Internation al Bank.

14 BY MR. WARREN:

15 Q. And who did the SEC send correspondence to at t he FSRC?0 5 : 4 3

16 A. It was sent --

17 MR. PARRAS: Same objection, Judge. Can I have a

18 running objection?

19 THE COURT: Overruled. You got it. I'll give yo u a

20 running objection. Go on.0 5 : 4 3

21 THE WITNESS: To Mr. Leroy King.

22 BY MR. WARREN:

23 Q. What did you learn as chairman of the FSRC as p art of the

24 FSRC's investigation that Mr. King had done with that

25 correspondence?0 5 : 4 3


1895

1 A. Destroyed it.0 5 : 4 3

2 Q. Did Mr. King ever appear before the FSRC?

3 A. Yes.

4 Q. In this time period?

5 THE COURT: At what time period?0 5 : 4 3

6 MR. WARREN: April 2009, after Ms. Crick came bac k to

7 become chairman.

8 THE WITNESS: Yes, he did.

9 BY MR. WARREN:

10 Q. Was Mr. King asked about what he did with the0 5 : 4 3

11 correspondence from the SEC?

12 A. Yes, he was.

13 Q. Did he admit that he had received correspondenc e from the

14 SEC as far back as 2005?

15 MR. PARRAS: Objection, Judge, hearsay.0 5 : 4 4


17 THE WITNESS: Yes, he admitted.

18 THE COURT: Okay.

19 BY MR. WARREN:

20 Q. Was any of that correspondence in the FSRC's fi le?0 5 : 4 4

21 A. No.

22 THE COURT: Let me see the attorneys up here for just

23 a moment.

24 (At the bench with all counsel)

25 THE COURT: Okay. Now, King, he's under indictme nt,0 5 : 4 4


1896

1 right?0 5 : 4 4


3 THE COURT: All right. So, he's a conspirator?

4 MR. WARREN: Absolutely.

5 THE COURT: You're going to have to bring that ou t0 5 : 4 4

6 somehow.

7 MR. PARRAS: At this time, Judge, the receivershi p has

8 already taken over. It's our position that there is no

9 continuing conspiracy. It's over.

10 THE COURT: How do you get around that?0 5 : 4 5

11 MR. WARREN: I'm sorry. What was Mr. Parras' poi nt?

12 MR. PARRAS: This is -- she's talking about event s

13 that took place post-receivership, after SIBL had been taken

14 away and there was no continuing conspiracy.

15 THE COURT: Okay. But you're also talking about 20050 5 : 4 5

16 and also -- you also have testimony in as to what allegedly

17 went on before she left the agency.

18 MR. WARREN: Right, your Honor.

19 THE COURT: If you're going to get anything about

20 him -- okay -- then you -- you got to at least ma ke a tender0 5 : 4 5

21 that you're going into that. Otherwise, a lot of this stuff it

22 seems as though it's just pure hearsay from someb ody else.

23 MR. WARREN: Yes, your Honor. Well --

24 THE COURT: Now, how about the point about a

25 continuing conspiracy?0 5 : 4 5


1897

1 MR. WARREN: Of course. The indictment alleges a0 5 : 4 5

2 conspiracy, I believe, through March of 2009, on or about.

3 It's not even specifically limited to March. Thi s is April.

4 Mr. King's conduct and his statements are in furt herance of the

5 conspiracy --0 5 : 4 5

6 THE COURT: Which ones?

7 MR. WARREN: The ones that Ms. Crick is about to

8 testify to.

9 THE COURT: When was it done?

10 MR. WARREN: April of 2009.0 5 : 4 6

11 THE COURT: All right. Now, when did the

12 conspiracy -- it said on or about?

13 MR. WARREN: On or about March. So, this is in t he

14 same time frame. It's certainly relevant to the conspiracy.

15 THE COURT: If I remember correctly, that -- the on or0 5 : 4 6

16 about, the instruction you give the jury is a lit tle bit broad.

17 So, you could say, well -- I gather you're saying it

18 encompasses a month -- or less than a month later ?

19 MR. COSTA: In addition, your Honor, the charge p eriod

20 in the indictment does not have to be the same as the0 5 : 4 6

21 co-conspirator exception.

22 THE COURT: Say that again.

23 MR. COSTA: The period alleged in the indictment for a

24 conspiracy does not have to be the same as the co nspiracy for

25 hearsay purposes of the co-conspirator exception.0 5 : 4 6


1898

1 THE COURT: It has to be somewhat related, doesn' t it?0 5 : 4 6

2 It can't be too remote, can it?

3 MR. COSTA: I think you prove up the conspiracy. We

4 can -- we can prove Mr. King has been extradited by the

5 magistrate judges. It's on appeal.0 5 : 4 6

6 THE COURT: I understand.

7 MR. COSTA: There's multiple other evidence he go t

8 superbowl tickets and was bribed --

9 THE COURT: I understand that.

10 MR. COSTA: That all goes to whether he was a0 5 : 4 7

11 co-conspirator.

12 THE COURT: That's already come in, hasn't it? H ave

13 the superbowl tickets come in and all that?

14 MR. WARREN: Not yet.

15 THE COURT: Okay. All right. So, your objection is?0 5 : 4 7

16 MR. PARRAS: They're talking about a time period,

17 Judge, April of '09, when the conspiracy could no t have existed

18 because SIBL was in receivership. Now, them usin g "on or

19 about" language and --

20 THE COURT: When did they go into receivership?0 5 : 4 7

21 MR. PARRAS: Middle of February 2009.

22 THE COURT: So, how can it go on till March at al l,

23 then?

24 MR. PARRAS: I don't know how it can go into Marc h,

25 Judge.0 5 : 4 7


1899

1 THE COURT: Again, if they're wrong, you got a po int0 5 : 4 7

2 that --

3 MR. FAZEL: Your Honor, if it pleases the Court, also

4 it has to be in furtherance of the conspiracy. N one of these

5 statements that she's talking about is in further ance of the0 5 : 4 7

6 conspiracy at all. It's the other way around. T herefore, we

7 object, it's hearsay, including what she already testified to.

8 MR. COSTA: There's been one statement made that' s --

9 MR. FAZEL: It's not in furtherance of the conspi racy.

10 THE COURT: All right. All I know is you've hear d the0 5 : 4 7

11 objection. I called you forward so we can get it on the

12 record. Now, if you don't want to go into it as to his

13 background, then you better move on. Okay? But you got the

14 man's picture sitting up there, and I haven't hea rd anything

15 about him and his connection to the case. Aside from that, it0 5 : 4 8

16 appears that it's just a mere functionary and you can only take

17 this hearsay thing for the purposes of what was s aid and not

18 for the truth of the matter only up to a point. After that

19 you're going to run into some -- you know, a prob lem, potential

20 problems.0 5 : 4 8

21 MR. WARREN: Yes, your Honor. We hadn't laid

22 foundation with regard to Mr. King as a co-conspi rator because

23 I wasn't sure whether there would be an objection to that. I

24 didn't want to bring in anything about the allega tions against

25 Mr. King.0 5 : 4 8


1900

1 THE COURT: Well, you have to lay it. Remember w e0 5 : 4 8

2 said before you have to lay a predicate or just s how it

3 eventually by the end of the trial that there's a t least some

4 evidence that he might be involved to allow all t his in.

5 MR. WARREN: That's correct, your Honor. I think it's0 5 : 4 8

6 the James decision that the Court cited the other day expand ing

7 Bourjaily that said it doesn't need to be proved before the

8 evidence come in. We'll proffer to the Court tha t the evidence

9 will come in.

10 THE COURT: I'm just bringing it in without preju dice0 5 : 4 8

11 to you getting up and objecting at the time. I'm just saying

12 somewhere it's got to come in, otherwise I'm goin g to start

13 sustaining the objection.


15 THE COURT: Got to show some sort of link up.0 5 : 4 9

16 MR. PARRAS: The other issue, Judge, that that ra ises

17 is that this witness was not part of the FSRC fro m 2001 to 2009

18 after the receivership took place.

19 THE COURT: Who was?

20 MR. PARRAS: Ms. Crick.0 5 : 4 9

21 THE COURT: She was not what?

22 MR. PARRAS: She was not part of the FSRC from 20 02,

23 when she left --

24 THE COURT: Exactly.

25 MR. PARRAS: -- until 2009. And they're about to ask0 5 : 4 9


1901

1 about -- if they go into questions about Mr. Lero y King's0 5 : 4 9

2 service during that time, she has no personal kno wledge of

3 that.

4 THE COURT: It goes up to a point because you hav e

5 some testimony about him beforehand and you are n ow dealing0 5 : 4 9

6 with a month after the allegation. So, just watc h your

7 boundaries. That's all I am saying. That's why I called you

8 up here.


10 THE COURT: You try your own case.0 5 : 4 9

11 MR. FAZEL: Your Honor, the Court's ruling as to her

12 statement about Mr. King after conspiracy is over and not in

13 furtherance of the conspiracy, we've lodged that objection. Is

14 the Court overruling that objection?

15 THE COURT: I'm going to overrule it at this time but0 5 : 4 9

16 if it --

17 MR. COSTA: I don't think that objection was made on

18 the question.

19 THE COURT: Well, he's doing it now.

20 MR. FAZEL: No, no, no. But he said hearsay. He0 5 : 5 0

21 objected to hearsay.

22 MR. COSTA: The record will speak for itself.

23 THE COURT: Okay. But if he's doing it now, I'm just

24 telling you my concern and, you know, to try your case. Okay?

25 MR. WARREN: Thank you, your Honor.0 5 : 5 0


1902

1 (In open court)0 5 : 5 0

2 MR. WARREN: Your Honor, the Court's indulgence f or a

3 moment?

4 BY MR. WARREN:

5 Q. Ms. Crick, do you know whether or not --0 5 : 5 0

6 THE COURT: Hold it. Somehow -- sometimes I need to

7 turn that one back on.

8 There you go. Remind me that that goes off

9 automatically when I come mute everything to come up here.

10 That doesn't automatically go back on. Go on.0 5 : 5 1

11 BY MR. WARREN:

12 Q. Ms. Crick, was Mr. King charged criminally in c onnection

13 with the conduct we're discussing here today?

14 A. Not that I am aware of, no.

15 Q. Is Mr. Crick [sic] currently awaiting extraditi on from --0 5 : 5 1

16 THE COURT: King. This is Ms. Crick.

17 BY MR. WARREN:

18 Q. Ms. Crick, my sincerest apologies. Is Mr. King currently

19 awaiting extradition or appeal of an extradition decision in

20 Antigua to come to the United States?0 5 : 5 1

21 MR. PARRAS: Judge, objection. She just said she 's

22 not aware of any charges.

23 THE COURT: That's what she said, but I'll allow her

24 to answer that question. But the jury will take it into as to

25 the weight -- not the admissibility but the weigh t and the0 5 : 5 1


1903

1 extent of this witness' understanding or her know ledge.0 5 : 5 1

2 Ask it again, please.

3 BY MR. WARREN:

4 Q. Ms. Crick, is Mr. King currently awaiting extra dition from

5 Antigua to the United States?0 5 : 5 2

6 A. Yes, he is.

7 Q. And do you know whether a magistrate judge in A ntigua had

8 ruled him to be extradited?

9 A. In the first hearing, yes.

10 Q. And there's been an appeal of that, correct?0 5 : 5 2

11 A. That's correct, yes.

12 Q. And it's currently on appeal?

13 A. It's currently on -- the appeal has been heard.

14 Q. It hasn't been decided yet?

15 A. Has not yet been decided.0 5 : 5 2

16 Q. And the basis for the extradition is that Mr. K ing --

17 THE COURT: Hold it. One second. Do you know th e

18 reason why the US wants to extradite him here to the United

19 States?

20 THE WITNESS: To face charges in the United State s.0 5 : 5 2

21 THE COURT: All right. Next question.

22 BY MR. WARREN:

23 Q. Ms. Crick, what did Mr. King tell the board, th e FSRC,

24 about the correspondence -- strike that.

25 When he appeared before the FSRC in early 20090 5 : 5 2


1904

1 when you were the chairman, was he asked question s about the0 5 : 5 2

2 correspondence he had received from the SEC?

3 A. Yes, he was.

4 Q. And what did he say?

5 MR. FAZEL: And objection, Judge.0 5 : 5 3

6 THE COURT: I think -- haven't we heard it alread y?

7 MR. PARRAS: I think it is asked and answered. I t's

8 also hearsay without exception, timing.

9 THE COURT: Overruled. I mean, I've already rule d on

10 that.0 5 : 5 3

11 MR. PARRAS: Asked and answered.

12 THE COURT: I think it's already in. Asked and

13 answered, sustained. He said what he did with th at letter.

14 Okay. Go on.

15 BY MR. WARREN: 0 5 : 5 3

16 Q. Ms. Crick, what else did the board ask Mr. King --

17 MR. PARRAS: Judge, objection, asking for hearsay .

18 THE COURT: Well, you -- when she was the chairma n?



21 MR. PARRAS: The time period, it's outside the sc ope

22 of the alleged conspiracy.

23 THE COURT: What's your response to that? It's

24 outside -- the indictment says what?

25 MR. WARREN: The same matter that we --0 5 : 5 3


1905

1 THE COURT: No. I'm asking you now in open court .0 5 : 5 3

2 MR. WARREN: Yes, your Honor. It doesn't have to be

3 part of the indicted -- indictment period to fall under the

4 exception of 801(d)(2)(E) as a statement by a co- conspirator in

5 furtherance, your Honor.0 5 : 5 4

6 THE COURT: Well, and also what is the wording of the

7 indictment relative to the time frame?

8 MR. WARREN: It says on or about, I believe, Marc h of

9 2009, your Honor.

10 MR. PARRAS: Judge, in addition to the timing, th ere's0 5 : 5 4

11 no showing that there's any furtherance of -- it' s impossible

12 post-receivership for there to be an alleged cons piracy.

13 THE COURT: Let's see what his response is. Go o n.

14 BY MR. WARREN:

15 Q. Ms. Crick, what was Mr. King asked about in Apr il of 20090 5 : 5 4

16 regarding his involvement with Mr. Stanford?

17 THE COURT: You're talking in the past?


19 THE COURT: What he did in the past, correct?

20 MR. WARREN: Yes.0 5 : 5 4

21 THE COURT: Okay.

22 MR. PARRAS: Objection, relevancy.

23 THE COURT: Overruled. Let me ask you this, coun sel.

24 Why is it irrelevant?

25 Hold it. Hold it. I don't even think you ought0 5 : 5 4


1906

1 to be stating this right now in open court. I've made my0 5 : 5 4

2 ruling. Okay? Because, you know, it's -- that, you don't have

3 to lay out. You can do it if you want on cross. Okay? So,

4 your position is protected. Overruled. Go on.

5 MR. WARREN: I'm sorry, Court's indulgence.0 5 : 5 5

6 Your Honor, I have another section of questioning

7 to go into.

8 THE COURT: Start in a little bit, a little bit,

9 because I've got something that's coming in. I w ant to look at

10 something that's coming in. Okay? So -- or if y ou want to0 5 : 5 5

11 hold, I can stop the clock. How about that?

12 MR. WARREN: Your Honor, I would suggest, conside ring

13 that it's just two minutes before 6:00, rather th an starting a

14 new topic with the witness, we just continue in t he morning.

15 THE COURT: All right. Give me -- no, everybody stay0 5 : 5 6

16 put because I want to get something. I may or ma y not want to

17 read it to you. Okay? Let me stop the clock for right now.

18 MR. PARRAS: While we're waiting, can I ask for

19 something I had asked for -- can I ask for Jencks material be

20 produced tonight so we don't ask for it in the mo rning and we0 5 : 5 6

21 don't take Court time with that?

22 THE COURT: Well, let's talk about it as soon as we

23 get off the record. Okay?

24 MR. PARRAS: Okay.

25 THE COURT: We're waiting for a book.0 5 : 5 6


1907

1 MR. FAZEL: Do you want me to pull it up?0 5 : 5 6

2 THE COURT: No.

3 MR. WARREN: Is this what you want?

4 THE COURT: Yeah, that's it. Now I have to find it.

5 So, let me see what --0 5 : 5 7

6 All right. Everybody wants to take a look at it.

7 It's the instruction concerning "on or about." I f anybody know

8 it offhand. It's in here somewhere.

9 MR. FAZEL: I'm looking it up right now, your Hon or.

10 THE COURT: Okay. Everybody is hitting the books .0 5 : 5 7

11 You see how the sausage is made in here.

12 Here it is. Here it is. Page 30. All right.

13 Everybody take a look at it just for a second.

14 It's 1.18, isn't it?

15 All right. Mr. Warren, have you seen what I have0 5 : 5 9

16 in mind?

17 MR. FAZEL: Not yet. We're looking at it on the

18 Internet.

19 THE COURT: Here, take a look at it. Take a look at

20 it. I want to do it only by agreement.0 5 : 5 9

21 MR. WARREN: Your Honor, 1.18 is what the Court

22 intends to read them?

23 THE COURT: Well, wasn't that the question we had up

24 here?

25 MR. PARRAS: It was the question. My position is that0 5 : 5 9


1908

1 we know a date certain and that my objection goes to that0 5 : 5 9

2 issue.

3 THE COURT: Well, but there was an objection that it

4 was beyond the date.

5 MR. FAZEL: It was because it was not in furthera nce0 5 : 5 9

6 of it. And learned counsel over here was saying, well, the "on

7 or about" language saves that issue and we're say ing, no, it

8 doesn't because the furtherance of it has nothing to do with

9 "on or about."

10 THE COURT: Does either side want me to read that , or0 6 : 0 0

11 we just pass on it for the day?

12 MR. PARRAS: Pass.

13 MR. FAZEL: Pass.

14 MR. WARREN: Pass.

15 THE COURT: Pass. Okay. Then, in effect, ladies and0 6 : 0 0

16 gentlemen, that ends the testimony for today. Le t me get that

17 screen up.

18 We will see you tomorrow, ready to resume at

19 10:00 a.m. Thank you and good afternoon.

20 (Jury not present)0 6 : 0 0

21 THE COURT: All right. Let's just talk about thi s

22 academically. Okay? The business about in furth erance of or

23 can you -- is that date satisfactory. That's the only reason

24 why. I'm not going to read that unless you thoug ht it was

25 applicable. Sometimes giving the jury a little i nclination as0 6 : 0 2


1909

1 to what we're talking about, but I'll go along wi th what both0 6 : 0 2

2 sides agreed, not to do it. But talk about that.

3 I want to talk to the government because you

4 heard their objection. It has to be in furtheran ce of,

5 otherwise no way is it applicable or relevant. O r if you want0 6 : 0 2

6 to --

7 MR. COSTA: I think Mr. Warren has the case law.

8 THE COURT: Or if you want to hold it until tomor row

9 morning.

10 MR. COSTA: I don't think it's an issue anymore. I0 6 : 0 2

11 really don't.

12 THE COURT: Well, that's spoken as a true advocat e,

13 but they're challenging on it. So, what do you g ot?

14 MR. COSTA: Well, Mr. Warren has cases; but we mi ght

15 be very close to being done with Ms. Crick.0 6 : 0 2

16 THE COURT: But that's all right. The point they

17 brought it up, it may be a valid point. Let's at least get

18 your reason in the record so somebody else lookin g at it will

19 understand. You can do this tomorrow morning if you want,

20 whatever is easiest to read it in.0 6 : 0 3

21 MR. WARREN: That's fine, I'll take more than thi rty

22 seconds to familiarize myself with it.

23 THE COURT: All right. All right. We'll get tha t

24 point hammered out in the morning. If I need to do an

25 instruction, I will; but I'm going to at least gi ve the defense0 6 : 0 3


1910

1 a shot on that. 0 6 : 0 3

2 Yes, sir?

3 MR. PARRAS: Jencks material, Judge, I would like any

4 Jencks material and I think we have a running req uest. I would

5 also like to get that on the record, whether we d o for every0 6 : 0 3

6 witness at the conclusion of their testimony. I don't know

7 that we have to stand up and ask for it; but I ha ven't taken a

8 witness yet, so I don't know.

9 THE COURT: All right. What about any Jencks --

10 MR. COSTA: We're giving it well in advance. We told0 6 : 0 3

11 them we would give it Friday before on behalf of her 302. I

12 don't know -- there's nothing else --

13 THE COURT: There's nothing else?

14 MR. COSTA: 302 is what they have.

15 MR. PARRAS: We have one 302.0 6 : 0 3

16 MR. WARREN: You filed a motion combined, right?

17 MR. PARRAS: Right.

18 MR. WARREN: Okay. It's just the one of the two

19 meetings.

20 MR. PARRAS: Do you have any way that I can separ ate0 6 : 0 4

21 what she said in the first meeting from what she said in the

22 second meeting, like agent's notes or something l ike that?

23 MR. WARREN: We have them.

24 THE COURT: Are you entitled to the agent's notes or

25 just the 302's as Jencks material?0 6 : 0 4


1911

1 MR. COSTA: Under the Fifth Circuit case law --0 6 : 0 4

2 THE COURT: Pardon me?

3 MR. COSTA: Under the Fifth Circuit case law, the y're

4 not entitled to notes unless there's some type of Brady or

5 Giglio inconsistency.0 6 : 0 4

6 THE COURT: Correct, that's my understanding.

7 MR. PARRAS: My concern here is, Judge, to the ex tent

8 that I may have to impeach her with a prior incon sistent

9 statement and go through the queen's rules or wha tever that --

10 THE COURT: Go through the what?0 6 : 0 4

11 MR. PARRAS: Go through the rules, did you say th is to

12 so and so at this location on this time --


14 MR. PARRAS: -- the 302 combines two meetings tha t

15 took place at two different times.0 6 : 0 4

16 THE COURT: But still it's a 302 and that's -- yo u're

17 entitled to the document. If you're going to wor k together on

18 that, work with them. But I think technically yo u're entitled

19 just to the document.

20 MR. COSTA: Even under Jencks in the Fifth Circui t0 6 : 0 4

21 law, they're not even entitled to the 302 because she didn't

22 sign it. It's not her statement. We're going be yond in giving

23 that to them.

24 THE COURT: Exactly.

25 MR. COSTA: So, I don't see how then that turns i nto0 6 : 0 5


1912

1 a -- 0 6 : 0 5

2 THE COURT: I'm sure they appreciate it.

3 MR. COSTA: -- right to get a break out.

4 THE COURT: But they can always ask for more if y ou'll

5 agree to it. All right. If you can, fine.0 6 : 0 5

6 Yes, sir?

7 MR. FAZEL: If it pleases the Court, I know the C ourt

8 has a running objection as to us not being prepar ed. I don't

9 want to be --

10 THE COURT: Not being what?0 6 : 0 5

11 MR. FAZEL: Prepared. You granted our running

12 objection prior to trial. I don't want to go thr ough every

13 witness and say that the Court granted it. I jus t want to

14 remind the Court and a record that that's a runni ng objection

15 and the Court has already granted it. I just wan ted to put it0 6 : 0 5

16 back in the record a second time.

17 THE COURT: It's in the record.

18 MR. FAZEL: I assume it's denied, our objection - -

19 THE COURT: Yeah. But the question is would you be

20 doing any better if you had more time for this ca se?0 6 : 0 5

21 MR. FAZEL: Absolutely.

22 MR. McGUIRE: Yes.

23 MR. FAZEL: But --

24 MR. WARREN: Considering they're not doing well, your

25 Honor.0 6 : 0 5


1913

1 THE COURT: No, I'm not insinuating that at all.0 6 : 0 5

2 Maybe they're doing well.

3 MR. FAZEL: Well, I guess my point is if I don't have

4 that running objection, then after every witness I have to put

5 on --0 6 : 0 5

6 THE COURT: I gave you that objection.

7 MR. FAZEL: I know. I agree. I just wanted to r eurge

8 it.

9 THE COURT: All right. Let's see. All right. W ould

10 you just hand the sheet down to them?0 6 : 0 6

11 The government used a good deal of time today.

12 Government used three hours and 37 minutes. The defense, an

13 hour and 55 minutes. Okay. Off the record.

14 (Discussion off the record)

15 MR. STELLMACH: Judge.0 6 : 0 6

16 THE COURT: On the record.

17 MR. STELLMACH: Judge, are we sure that the times

18 aren't reversed, we used three hours and 37 minut es? It

19 certainly felt like a lot longer with Mr. Fazel. I don't mean

20 that --0 6 : 0 6

21 MR. WARREN: Your Honor, I spent approximately

22 45 minutes to an hour continuing the direct on Mr . Collinsworth

23 and then maybe another half an hour on redirect.

24 THE COURT: Maybe -- you think it was reversed?

25 MR. FAZEL: Your Honor --0 6 : 0 6


1914

1 THE COURT: I have the government time right here .0 6 : 0 6

2 MR. COSTA: It could go to the transcript eventua lly.

3 THE COURT: Again, that's why I may ask you -- if you

4 have a concern, that's fine. Maybe I -- okay. O ff -- I'm

5 going to ask the court reporter something off the record.0 6 : 0 6

6 (Discussion off the record)

7 MR. STELLMACH: Judge, no need to go back to the

8 videotape. Mr. Warren was actually taking as muc h time. It

9 just seemed so much faster. We've checked our ti mes. We think

10 it was actually --0 6 : 0 7

11 THE COURT: Okay. I'm in the ballpark?

12 MR. STELLMACH: Yes.

13 MR. COSTA: No audit necessary.

14 THE COURT: Okay. Scratch the audit. Off the re cord.

15 (Proceedings adjourned for the evening)

16 (Proceedings recessed for evening)

17 * * * * *

18 COURT REPORTER'S CERTIFICATION

19 I certify that the foregoing is a correct transcr ipt from the record of proceedings in the above-entitled cau se.

20

21 Date: January 30, 2012

22

23 /s/ Cheryll K. Barron

24 Cheryll K. Barron, CSR, CM R, FCRR Official Court Reporter

25


$$1.5 [2] 1720/16 1721/1$1.5 billion [2] 1720/16 1721/1$10,000 [2] 1655/21 1655/22$100 [1] 1655/14$100,000 [1] 1670/9$16 [1] 1678/1$16 billion [1] 1678/1$2 [15] 1693/15 1693/18 1693/19 1695/6 1695/13 1695/17 1695/25 1696/4 1696/6 1761/15 1761/17 1787/18 1788/4 1788/12 1794/4$2 billion [3] 1761/15 1787/18 1788/4$2 million [9] 1693/15 1693/19 1695/6 1695/13 1695/17 1695/25 1696/4 1696/6 1794/4$200,000 [1] 1670/9$256 [1] 1784/5$256 billion [1] 1784/5$31 [3] 1678/4 1678/4 1785/4$31 billion [3] 1678/4 1678/4 1785/4$455 [1] 1776/8$455 million [1] 1776/8$48 [2] 1678/9 1678/25$48 billion [2] 1678/9 1678/25$533 [1] 1677/22$533 million [1] 1677/22$6.34 [1] 1623/24$6.34 billion [1] 1623/24$6.6 [1] 1721/6$6.6 billion [1] 1721/6$7.5 [1] 1677/13$7.5 billion [1] 1677/13$7.9 [2] 1677/6 1790/25$7.9 billion [2] 1677/6 1790/25$8 [3] 1658/17 1658/19 1659/2$8 billion [3] 1658/17 1658/19 1659/2$889 [1] 1720/4$9,000 [1] 1655/23$90 [1] 1655/21

''08 [3] 1641/8 1644/10 1654/20'09 [1] 1898/17'98 [3] 1791/22 1830/4 1886/1

//s [1] 1914/23

003 [1] 1795/2404 [1] 1796/2107 [1] 1797/12

11-21-04 [1] 1796/211.18 [2] 1907/14 1907/211.5 [1] 1720/81.5 billion [4] 1624/24

1625/1 1721/4 1721/610 [7] 1659/10 1659/22 1663/18 1727/16 1765/6 1863/11 1873/1210 percent [3] 1721/23 1721/25 1722/110-31-07 [1] 1797/1210-minute [2] 1863/12 1863/131004 [1] 1613/211018 [1] 1614/4104 [2] 1753/16 1753/2010:00 [1] 1908/1910:15 [2] 1613/5 1660/1311 [5] 1647/1 1663/7 1719/5 1720/1 1764/1311 percent [1] 1647/1011.2 [2] 1647/1 1647/1611.3 [1] 1647/1611.3 percent [1] 1647/1112 [1] 1780/101129 [1] 1613/14116 [1] 1719/1811:43 [1] 1687/2211:45 [2] 1660/13 1660/1412 [2] 1663/7 1771/212 markets [1] 1771/2112 percent [1] 1764/1312-1-03 [1] 1795/24120 [6] 1620/14 1622/9 1718/24 1719/1 1719/17 1719/19127 [6] 1779/14 1779/15 1779/24 1800/19 1802/13 1806/2012:00 [1] 1688/2131 [1] 1622/13136 [3] 1813/16 1813/17 1814/2014 percent [5] 1678/12 1679/3 1771/10 1789/8 1789/161400 [1] 1613/1715 [1] 1632/2515-minute [2] 1688/1 1806/816 [1] 1678/81602 [4] 1624/5 1624/7 1775/23 1775/25161 [1] 1719/1518 percent [1] 1771/919 [1] 1629/231987 [1] 1771/81990 [2] 1868/5 1869/181998 [14] 1791/21 1828/6 1828/13 1829/25 1836/22 1837/11 1837/18 1839/23 1843/20 1844/5 1845/23 1853/3 1867/18 1887/211999 [2] 1791/19 1857/71:00 o'clock [1] 1735/51st [3] 1750/3 1781/10 1877/1

22 million [4] 1693/25 1694/1 1694/3 1694/1120 [13] 1616/23 1619/6 1630/24 1631/23 1631/24 1632/8 1632/13 1765/6 1769/16 1771/5 1771/5 1811/24 1877/3200 [2] 1755/14 1797/222000 [1] 1791/1720005 [1] 1613/17

2001 [8] 1635/15 1791/15 1791/23 1818/4 1877/1 1877/3 1877/7 1900/172002 [8] 1636/8 1791/25 1885/6 1885/11 1887/22 1888/9 1890/1 1900/222003 [3] 1750/3 1791/13 1792/22004 [4] 1757/1 1792/4 1796/9 1797/92005 [8] 1628/16 1792/6 1893/8 1893/9 1893/18 1894/8 1895/14 1896/152006 [2] 1628/16 1792/82007 [20] 1620/15 1621/8 1621/19 1621/25 1622/19 1622/24 1623/12 1623/15 1623/25 1624/12 1624/16 1657/19 1658/8 1719/11 1757/13 1758/2 1758/3 1792/10 1796/25 1797/12008 [40] 1644/1 1644/2 1645/14 1648/4 1652/24 1653/24 1654/6 1655/3 1657/20 1658/9 1663/5 1677/7 1677/7 1677/12 1677/23 1680/10 1680/15 1680/22 1681/24 1688/22 1700/8 1700/11 1700/12 1700/14 1700/25 1739/22 1739/25 1758/14 1758/18 1760/24 1776/8 1780/5 1781/1 1781/10 1781/10 1781/15 1782/8 1784/4 1792/12 1820/72009 [14] 1818/6 1827/14 1890/6 1890/7 1890/14 1895/6 1897/2 1897/10 1898/21 1900/17 1900/25 1903/25 1905/9 1905/152010 [3] 1797/20 1888/25 1889/42012 [2] 1613/4 1914/21204 [4] 1750/14 1752/14 1752/18 1752/19205 [3] 1752/14 1752/18 1752/19207 [11] 1750/11 1750/15 1750/21 1752/17 1755/15 1755/16 1755/19 1756/13 1756/14 1795/5 1795/24208 [10] 1750/4 1750/12 1752/17 1755/17 1755/18 1755/20 1795/5 1796/8 1796/21 1797/9209 [4] 1757/8 1795/5 1796/24 1797/1221 [3] 1730/4 1730/25 1770/14210 [4] 1757/24 1795/5 1797/21 1797/22211 [2] 1758/10 1795/5212 [1] 1795/5213 [5] 1755/19 1755/20 1756/13 1759/25 1795/5214 [3] 1756/15 1760/19 1795/6218 [9] 1627/13 1627/22 1730/2 1730/4 1730/6 1766/20 1766/22 1798/6 1811/2321st [3] 1757/1 1796/9 1797/922 [3] 1632/19 1702/1 1731/12

1915

222 percent [3] 1721/9 1721/11 1722/323 [1] 1702/124 percent [1] 1805/624-hour [1] 1634/1425 [3] 1619/10 1625/20 1870/1425th [3] 1688/21 1739/25 1781/127 November [1] 1869/1828th [1] 1868/52:15 [2] 1735/7 1735/18

33 percent [1] 1682/930 [5] 1613/4 1634/9 1815/21 1907/12 1914/2130-year [1] 1812/17302 [6] 1910/11 1910/14 1910/15 1911/14 1911/16 1911/21302's [1] 1910/2530th [3] 1781/10 1781/14 1782/831 [1] 1678/831 billion [1] 1678/2231st [2] 1757/13 1796/2537 [2] 1913/12 1913/183:40 [1] 1806/73:55 [1] 1806/83rd [1] 1613/21

4401 [2] 1818/23 1892/3402 [2] 1818/23 1892/3403 [6] 1818/24 1819/19 1819/20 1819/24 1871/20 1892/545 minutes [1] 1913/22455 million [1] 1776/20

55 percent [1] 1721/165-point-something [1] 1625/25.5 billion [2] 1625/7 1625/950 [3] 1654/20 1655/3 1693/1750 million [2] 1693/10 1694/5511 [1] 1868/3515 [1] 1614/1155 [1] 1913/1359 [1] 1825/105:00 [1] 1863/115th [2] 1758/2 1758/5

66 billion [2] 1623/16 1624/176 million [1] 1623/176 percent [1] 1690/76.34 billion [1] 1623/2260 percent [2] 1654/20 1655/3600 million [1] 1624/2361129 [1] 1613/14612 [2] 1875/5 1875/9627 [1] 1720/14627 million [5] 1622/25 1719/12 1720/1 1720/7 1720/21636 [1] 1818/9637 [1] 1818/9

638 [1] 1818/9639 [1] 1818/96:00 [2] 1863/18 1906/136:05 [1] 1863/13

77 billion [2] 1622/20 1625/17 percent [3] 1682/8 1721/17 1721/187-4 [3] 1687/12 1687/15 1688/1177002 [3] 1613/22 1614/5 1614/1177208-1129 [1] 1613/1477279 [1] 1614/779535 [1] 1614/77th [1] 1758/3

88 billion [2] 1658/15 1792/248.4 [2] 1782/3 1783/88.5 [2] 1781/16 1781/21800 million [1] 1624/3801 [4] 1759/7 1833/19 1834/10 1905/4802 [1] 1833/19803 [7] 1819/4 1820/14 1820/18 1821/1 1821/16 1892/3 1894/2889 [5] 1624/13 1625/7 1625/8 1720/7 1720/23890 [1] 1624/24

990 [1] 1655/23901 [1] 1754/21

Aa.m [2] 1613/5 1908/19ability [2] 1631/19 1704/17able [7] 1675/13 1753/13 1753/16 1756/21 1763/25 1811/16 1823/23abnormal [1] 1708/23about [367] above [1] 1914/19above-entitled [1] 1914/19Abreu [3] 1877/17 1878/6 1878/21absented [3] 1855/18 1855/19 1856/5absolutely [11] 1617/18 1648/18 1737/22 1770/22 1771/15 1808/16 1862/13 1871/19 1879/24 1896/4 1912/21absolutes [1] 1671/7academically [2] 1754/3 1908/22accept [2] 1833/5 1833/7acceptable [1] 1854/24access [1] 1816/3accompanied [2] 1883/3 1884/6accompany [1] 1883/20accompanying [1] 1883/10according [3] 1720/23 1797/1 1859/22account [10] 1633/5 1653/4 1653/9 1659/1 1733/23 1783/18 1787/9 1810/22 1816/6 1816/19accountant [6] 1670/24

1825/22 1826/10 1831/1 1834/5 1834/8accountants [3] 1671/2 1671/4 1825/18accounting [4] 1670/20 1670/22 1825/16 1825/16accounts [20] 1631/12 1631/15 1634/15 1733/13 1734/5 1734/8 1751/22 1751/23 1777/11 1777/17 1777/22 1778/9 1779/1 1782/25 1786/1 1811/6 1811/13 1811/17 1816/3 1816/13accurate [15] 1618/21 1618/23 1633/12 1633/15 1634/3 1634/6 1662/13 1687/5 1742/5 1743/6 1743/9 1762/22 1783/7 1789/25 1793/19accurately [2] 1633/6 1633/9achieved [1] 1630/22acknowledgment [1] 1656/11acronyms [1] 1661/6across [6] 1628/25 1629/6 1770/25 1771/19 1804/23 1841/24Act [2] 1826/22 1830/5action [7] 1730/15 1730/16 1861/5 1872/3 1879/17 1893/20 1893/22actions [4] 1822/7 1879/22 1892/12 1892/13activities [2] 1716/1 1821/19activity [4] 1633/4 1665/25 1666/6 1724/25actual [13] 1741/15 1741/21 1762/9 1762/14 1773/12 1775/5 1795/19 1799/20 1810/5 1810/10 1810/14 1876/19 1878/17actually [62] 1618/5 1630/15 1632/17 1636/9 1638/23 1643/11 1643/14 1644/5 1644/10 1644/10 1646/5 1649/25 1651/7 1652/4 1652/15 1653/5 1655/16 1656/21 1656/22 1657/21 1666/22 1671/17 1681/2 1683/2 1683/19 1685/20 1690/25 1694/23 1694/24 1698/9 1698/23 1707/11 1708/13 1712/15 1715/6 1717/18 1723/15 1727/23 1727/23 1741/19 1741/20 1742/10 1742/20 1743/19 1754/8 1759/9 1762/11 1765/17 1772/9 1782/11 1790/2 1798/7 1799/9 1808/21 1813/1 1813/11 1840/10 1855/9 1876/16 1876/16 1914/8 1914/10Adams [1] 1693/24add [4] 1677/25 1678/8 1719/13 1720/7addition [4] 1808/8 1878/2 1897/19 1905/10additional [2] 1678/3 1734/22address [4] 1647/21 1648/7 1651/2 1871/24addressed [1] 1654/9addresses [1] 1754/19addressing [1] 1630/11adequate [1] 1876/12

1916

Aadjourned [2] 1735/17 1914/15adjustment [1] 1807/6administration [1] 1837/9administrative [1] 1820/24administrator [1] 1885/24administrator/CUO [1] 1885/24admissibility [4] 1754/17 1787/25 1824/7 1902/25admissible [1] 1819/4admit [3] 1753/22 1824/13 1895/13admitted [10] 1687/15 1752/15 1752/20 1756/19 1759/1 1779/16 1868/4 1875/9 1893/14 1895/17admitting [1] 1880/12advance [1] 1910/10advised [3] 1851/5 1852/8 1853/15advises [1] 1875/15advising [2] 1857/11 1881/21advisor [3] 1633/3 1732/1 1889/18advisors [16] 1618/1 1618/6 1619/18 1630/24 1631/23 1632/8 1632/14 1632/17 1635/5 1652/3 1731/14 1763/20 1763/21 1764/19 1767/6 1771/4advisory [1] 1771/3advocate [1] 1909/12affair [2] 1714/7 1715/20affect [2] 1776/23 1872/3affected [1] 1872/23affiliated [2] 1807/19 1826/5affiliations [1] 1826/4afford [1] 1846/21after [46] 1646/4 1648/8 1648/16 1653/24 1654/15 1654/17 1661/22 1661/24 1675/2 1685/19 1686/17 1687/12 1708/5 1709/2 1713/7 1724/10 1727/15 1735/6 1742/4 1744/1 1756/5 1793/9 1808/8 1816/5 1818/6 1818/12 1819/7 1835/2 1838/15 1843/7 1843/11 1846/23 1846/24 1850/9 1851/11 1860/23 1863/11 1877/23 1889/25 1895/6 1896/13 1899/18 1900/18 1901/6 1901/12 1913/4afternoon [4] 1621/8 1824/23 1824/24 1908/19again [58] 1619/9 1623/13 1636/11 1642/8 1648/22 1649/9 1653/16 1654/12 1658/8 1687/1 1697/6 1706/3 1706/5 1706/16 1707/9 1712/4 1712/10 1733/7 1740/12 1740/20 1748/23 1749/1 1751/14 1755/22 1756/5 1758/12 1758/18 1758/19 1760/2 1760/12 1764/5 1767/3 1768/15 1774/19 1774/21 1777/3 1778/7 1778/15 1778/20 1781/19 1784/21 1790/11 1800/6 1810/6 1811/15 1823/20 1831/8 1835/15 1835/24 1835/25

1847/11 1854/19 1879/10 1888/9 1897/22 1899/1 1903/2 1914/3against [7] 1670/4 1773/25 1774/8 1774/8 1777/3 1822/7 1899/24agencies [1] 1821/18agency [17] 1819/12 1819/14 1820/24 1821/4 1821/19 1821/25 1822/4 1823/2 1823/3 1823/8 1823/10 1862/4 1868/24 1869/15 1892/9 1893/15 1896/17agent [3] 1834/16 1835/21 1849/1agent's [2] 1910/22 1910/24agents [1] 1807/18AGG [1] 1762/24aggressive [2] 1634/21 1742/8ago [6] 1617/12 1654/8 1734/11 1789/1 1836/21 1882/21agree [23] 1669/1 1669/3 1669/7 1669/9 1669/18 1670/17 1670/18 1672/18 1678/9 1678/10 1678/12 1702/15 1717/16 1720/10 1720/13 1720/16 1721/9 1756/5 1798/2 1798/4 1893/16 1912/5 1913/7agreed [1] 1909/2agreement [1] 1907/20ahead [12] 1616/25 1660/15 1688/6 1737/4 1739/13 1755/13 1777/7 1778/19 1779/21 1806/11 1887/14 1888/15aided [1] 1613/24aim [1] 1732/5Ali [1] 1613/19all [212] 1616/3 1616/4 1616/13 1616/13 1616/25 1617/13 1618/19 1621/5 1622/11 1622/15 1632/5 1635/20 1640/17 1641/9 1641/10 1648/2 1648/2 1658/5 1660/3 1661/6 1661/8 1662/16 1662/22 1663/5 1664/3 1664/18 1664/20 1665/3 1666/5 1666/5 1666/5 1666/8 1666/15 1671/2 1671/12 1671/15 1671/21 1671/24 1672/7 1672/17 1672/19 1673/25 1675/2 1675/8 1675/10 1677/3 1677/22 1677/25 1678/3 1678/17 1679/5 1679/5 1685/2 1687/25 1688/24 1692/2 1692/11 1698/8 1698/22 1699/6 1699/8 1699/24 1700/15 1702/18 1702/23 1703/15 1707/16 1710/4 1710/17 1713/15 1716/23 1719/18 1719/23 1721/13 1724/10 1725/7 1726/24 1727/15 1727/20 1728/6 1728/22 1730/13 1735/17 1736/14 1736/22 1737/16 1739/2 1739/9 1749/16 1749/24 1750/13 1750/19 1751/13 1752/2 1752/16 1753/12 1753/20 1754/10 1754/25 1755/19

1755/20 1756/4 1756/8 1756/16 1758/19 1762/18 1764/24 1765/15 1766/16 1779/5 1779/15 1779/21 1788/8 1789/14 1790/1 1790/22 1791/4 1792/22 1793/11 1794/7 1794/15 1795/6 1795/8 1795/16 1796/20 1800/5 1800/25 1800/25 1802/6 1803/19 1804/16 1805/11 1805/14 1805/22 1806/3 1806/11 1806/19 1809/1 1811/20 1812/10 1813/20 1814/1 1815/1 1816/5 1817/8 1817/24 1817/25 1818/1 1818/14 1821/8 1821/19 1822/23 1823/19 1824/12 1824/14 1833/12 1834/13 1835/15 1835/24 1836/4 1838/15 1842/12 1849/14 1849/22 1858/20 1858/21 1858/23 1863/3 1863/16 1863/18 1863/23 1864/23 1866/3 1869/15 1870/18 1871/17 1871/24 1872/18 1872/21 1873/7 1875/10 1882/3 1886/8 1887/10 1892/16 1895/24 1896/3 1897/11 1898/10 1898/13 1898/15 1898/22 1899/6 1899/10 1899/10 1900/4 1901/7 1903/21 1906/15 1907/6 1907/12 1907/15 1908/21 1909/16 1909/23 1909/23 1910/9 1911/13 1912/5 1913/1 1913/9 1913/9all-day [2] 1635/20 1849/22allegation [1] 1901/6allegations [1] 1899/24alleged [3] 1897/23 1904/22 1905/12allegedly [2] 1795/9 1896/16alleges [1] 1897/1ALLEN [14] 1613/5 1619/14 1629/14 1652/6 1663/1 1744/3 1756/25 1757/11 1830/8 1831/4 1836/20 1859/8 1865/6 1868/11allergies [1] 1676/1allocate [2] 1709/11 1734/20allocated [4] 1626/6 1626/15 1707/16 1709/9allocating [1] 1734/23allocation [4] 1681/5 1762/1 1764/1 1764/23allocations [3] 1630/20 1681/5 1764/24allow [7] 1755/1 1755/24 1786/15 1800/12 1820/19 1900/4 1902/23allowed [1] 1800/16allowing [1] 1755/13almost [6] 1647/1 1681/9 1768/20 1785/4 1806/16 1847/15along [4] 1640/3 1871/24 1872/1 1909/1already [26] 1622/11 1650/18 1751/19 1766/23 1774/10 1776/1 1813/17 1834/6 1855/23 1868/4 1869/6

1917

Aalready... [15] 1869/11 1870/15 1871/8 1871/22 1871/23 1871/23 1883/25 1888/18 1896/8 1898/12 1899/7 1904/6 1904/9 1904/12 1912/15also [47] 1619/17 1620/24 1625/11 1630/11 1632/4 1647/10 1665/18 1665/24 1668/25 1676/24 1695/15 1699/21 1705/16 1710/20 1711/16 1717/10 1733/13 1734/14 1734/20 1736/11 1759/5 1760/4 1760/7 1766/9 1771/22 1772/1 1786/13 1793/17 1804/16 1819/1 1820/9 1821/10 1822/6 1834/1 1834/4 1834/9 1840/15 1865/24 1881/20 1892/3 1896/15 1896/16 1896/16 1899/3 1904/8 1905/6 1910/5alternative [3] 1634/21 1692/18 1869/11Althea [3] 1817/9 1824/20 1825/4although [1] 1816/2always [6] 1626/5 1644/8 1770/22 1846/19 1870/11 1912/4am [25] 1668/19 1676/1 1711/20 1721/25 1741/24 1744/6 1781/3 1815/24 1818/8 1821/16 1823/14 1823/19 1826/5 1826/10 1826/16 1827/3 1827/19 1828/13 1829/3 1842/17 1874/8 1877/6 1892/25 1901/7 1902/14amendment [3] 1830/5 1885/22 1885/23amendments [1] 1886/12AMERICA [3] 1613/3 1804/17 1813/4American [1] 1805/9amount [18] 1622/23 1623/11 1623/14 1623/25 1624/11 1624/15 1694/1 1726/8 1747/1 1747/5 1747/10 1747/13 1747/18 1747/23 1775/5 1776/4 1776/24 1781/13amounts [2] 1752/1 1783/12ample [1] 1771/10analyst [20] 1617/25 1633/3 1637/15 1704/5 1704/18 1704/19 1704/24 1706/12 1710/20 1710/24 1710/25 1711/1 1711/3 1715/17 1762/23 1763/3 1775/18 1776/3 1776/6 1776/20analysts [28] 1618/15 1619/4 1619/7 1619/8 1619/19 1625/20 1632/22 1632/25 1636/8 1636/12 1636/13 1636/23 1636/24 1637/3 1640/2 1648/2 1648/6 1658/2 1658/5 1676/8 1683/18 1683/23 1702/1 1705/12 1710/17 1715/6 1762/18 1763/19analytics [1] 1654/18and/or [2] 1770/23 1893/23

Andrew [1] 1613/16angle [1] 1699/9animals [2] 1640/4 1642/1annual [5] 1620/15 1621/8 1621/10 1657/21 1716/17annuities [1] 1783/17another [16] 1635/18 1654/17 1672/14 1675/12 1694/5 1694/23 1710/18 1728/1 1732/20 1733/3 1823/9 1835/23 1855/3 1865/15 1906/6 1913/23answer [28] 1630/17 1633/23 1637/15 1658/14 1713/13 1729/10 1729/13 1755/12 1761/6 1770/3 1770/7 1770/20 1774/2 1774/20 1786/15 1789/21 1813/10 1832/12 1832/14 1844/22 1845/15 1848/15 1848/20 1852/7 1867/24 1886/8 1892/8 1902/24answered [4] 1855/24 1904/7 1904/11 1904/13answers [1] 1630/9anti [3] 1826/6 1826/8 1877/20anti-money [3] 1826/6 1826/8 1877/20Antigua [65] 1635/12 1635/21 1635/23 1636/4 1636/9 1636/13 1636/19 1637/3 1637/22 1637/24 1638/11 1638/15 1638/20 1638/23 1639/8 1639/22 1659/14 1672/10 1677/17 1708/14 1708/14 1721/22 1722/2 1722/9 1729/23 1745/11 1746/17 1749/13 1773/15 1782/16 1782/17 1782/22 1782/23 1804/18 1805/3 1825/12 1825/14 1828/4 1829/3 1829/15 1831/2 1831/3 1832/5 1832/19 1833/17 1834/9 1834/11 1834/20 1837/12 1849/16 1865/9 1865/14 1865/20 1865/24 1866/10 1866/11 1866/20 1867/21 1870/4 1872/13 1873/25 1874/24 1902/20 1903/5 1903/7Antiguan [19] 1772/3 1773/16 1773/18 1773/20 1773/20 1773/24 1774/7 1774/11 1774/15 1775/3 1783/4 1818/3 1818/18 1826/12 1829/1 1829/24 1836/24 1874/10 1874/25any [100] 1631/11 1636/21 1637/13 1638/14 1640/14 1640/14 1650/24 1653/4 1653/9 1653/12 1653/25 1658/19 1661/3 1669/10 1671/4 1674/3 1674/21 1687/13 1698/2 1700/22 1703/1 1704/11 1704/14 1704/24 1709/6 1709/19 1712/8 1712/17 1712/18 1713/4 1714/11 1716/1 1716/3 1721/19 1722/6 1722/15 1725/18 1730/20 1730/23 1731/14 1731/17 1733/4

1742/23 1763/4 1771/2 1773/12 1777/5 1781/22 1782/16 1784/15 1784/24 1801/14 1801/21 1802/13 1805/11 1807/19 1807/23 1808/2 1808/4 1808/6 1809/4 1809/4 1811/12 1811/13 1811/16 1811/20 1812/11 1812/14 1816/25 1820/12 1821/17 1822/16 1826/3 1826/12 1829/1 1838/3 1840/5 1840/24 1842/9 1851/4 1851/11 1852/1 1857/24 1861/5 1874/23 1882/1 1883/16 1883/19 1884/5 1887/25 1888/2 1888/3 1889/1 1895/20 1902/22 1905/11 1910/3 1910/9 1910/20 1912/20anybody [9] 1660/14 1673/15 1713/4 1729/4 1798/15 1809/4 1863/14 1863/14 1907/7anymore [2] 1654/10 1909/10anyone [16] 1623/1 1645/1 1647/17 1657/19 1657/20 1736/24 1747/13 1747/13 1773/18 1806/5 1838/6 1843/4 1850/11 1863/19 1864/8 1882/22anything [89] 1638/11 1639/3 1639/6 1640/15 1653/10 1653/22 1663/17 1669/14 1669/20 1670/13 1671/6 1671/13 1671/24 1672/2 1673/6 1673/8 1674/12 1674/14 1674/23 1675/19 1675/21 1676/20 1676/22 1680/2 1680/4 1681/8 1691/1 1691/22 1698/20 1699/2 1704/12 1705/8 1708/23 1710/15 1717/8 1722/8 1722/9 1728/22 1729/2 1729/17 1729/24 1732/12 1732/21 1733/4 1733/18 1743/20 1744/3 1752/9 1768/5 1768/23 1769/5 1770/10 1771/14 1771/18 1771/23 1772/19 1773/2 1773/7 1775/6 1775/18 1776/22 1778/12 1784/1 1785/9 1785/15 1786/11 1787/5 1791/9 1791/12 1793/6 1801/3 1801/5 1801/7 1802/13 1804/9 1805/3 1807/8 1807/23 1815/16 1834/2 1841/25 1842/22 1845/23 1849/2 1858/9 1862/18 1896/19 1899/14 1899/24anyways [2] 1690/13 1720/19anywhere [5] 1643/13 1649/16 1652/21 1668/16 1865/19anywheres [1] 1652/11AOL [1] 1650/17apologies [1] 1902/18appalled [2] 1846/16 1846/17apparently [2] 1689/25 1864/20appeal [5] 1898/5 1902/19 1903/10 1903/12 1903/13appear [2] 1876/24 1895/2appeared [2] 1841/14 1903/25appears [1] 1899/16applicable [2] 1908/25 1909/5

1918

Aapplication [1] 1874/20apply [10] 1764/25 1820/18 1827/2 1827/6 1829/17 1885/24 1885/25 1886/11 1888/10 1888/17appointed [8] 1827/9 1827/10 1829/18 1829/19 1829/20 1829/21 1829/25 1890/9appointment [1] 1830/21appreciate [1] 1912/2approach [3] 1616/6 1817/23 1823/19approaching [2] 1818/8 1818/22appropriate [3] 1732/2 1854/10 1859/20approved [3] 1870/13 1870/22 1872/10approximately [6] 1658/10 1678/8 1678/11 1720/8 1865/11 1913/21April [8] 1781/1 1827/14 1890/13 1895/6 1897/3 1897/10 1898/17 1905/15April 2009 [1] 1895/6April 25th [1] 1781/1Arabic [1] 1704/12are [131] 1616/13 1620/17 1630/1 1630/20 1630/22 1630/24 1632/14 1632/22 1635/17 1638/7 1640/11 1640/12 1640/17 1640/19 1642/14 1646/1 1648/24 1660/18 1663/8 1667/20 1668/18 1670/19 1671/8 1674/10 1675/12 1678/17 1678/18 1678/21 1692/7 1694/22 1697/16 1705/7 1706/22 1715/6 1715/23 1720/5 1722/11 1723/12 1724/10 1729/25 1730/20 1732/13 1733/5 1733/7 1734/23 1738/5 1743/8 1747/23 1748/5 1749/11 1750/5 1750/6 1750/6 1751/2 1752/3 1752/9 1752/19 1754/13 1756/11 1756/19 1756/21 1758/5 1759/21 1760/17 1764/9 1765/5 1769/25 1770/11 1770/22 1773/24 1774/7 1776/20 1777/6 1781/2 1784/4 1784/15 1784/24 1787/24 1790/8 1795/19 1795/19 1801/15 1801/21 1802/3 1804/16 1804/18 1805/2 1805/12 1807/5 1807/16 1807/20 1812/3 1814/8 1816/13 1818/8 1818/15 1818/15 1818/20 1819/2 1819/2 1819/3 1819/23 1819/25 1820/2 1820/3 1820/6 1820/21 1820/23 1821/3 1821/11 1821/25 1822/14 1825/9 1825/11 1827/18 1827/20 1827/23 1827/24 1828/22 1829/18 1829/20 1835/20 1859/22 1862/16 1876/12 1880/11 1886/3 1897/4 1901/5 1910/24 1913/17

area [1] 1858/16aren't [5] 1657/21 1711/10 1726/19 1784/10 1913/18argument [1] 1870/25argumentative [1] 1870/24ark [2] 1641/19 1641/25arm [1] 1641/1around [15] 1624/3 1627/7 1644/9 1675/3 1753/25 1774/24 1817/12 1822/23 1828/5 1830/2 1834/17 1879/11 1887/5 1896/10 1899/6arraignments [1] 1864/20arranged [2] 1882/3 1882/15art [1] 1641/25article [7] 1684/15 1684/15 1685/5 1689/3 1689/7 1690/3 1841/14as [238] 1616/20 1616/21 1616/22 1616/22 1616/23 1618/21 1619/18 1620/22 1621/19 1621/25 1622/18 1622/21 1622/24 1623/8 1623/11 1623/12 1623/15 1623/25 1624/11 1624/15 1626/5 1626/21 1627/12 1629/9 1629/20 1630/21 1632/16 1633/2 1633/4 1633/4 1638/14 1640/7 1641/14 1641/25 1642/6 1643/19 1646/3 1652/10 1659/23 1660/21 1661/2 1661/13 1663/3 1663/15 1663/15 1666/11 1666/12 1668/1 1668/25 1669/11 1669/12 1670/15 1670/15 1674/7 1679/13 1689/3 1690/18 1690/18 1690/23 1690/23 1690/24 1690/24 1701/10 1704/12 1706/11 1706/14 1708/15 1710/23 1712/17 1713/9 1714/20 1714/23 1715/2 1715/13 1718/1 1722/24 1724/12 1725/4 1725/15 1729/13 1736/7 1736/9 1737/2 1737/16 1737/20 1738/15 1741/23 1741/23 1741/23 1742/7 1748/5 1750/7 1751/13 1751/13 1751/25 1754/23 1755/11 1755/14 1756/6 1756/6 1757/6 1758/1 1758/1 1758/1 1758/5 1758/8 1758/24 1759/6 1759/22 1761/6 1761/7 1764/5 1766/18 1768/19 1769/19 1770/4 1772/25 1773/10 1776/4 1776/8 1776/11 1777/2 1778/3 1778/11 1779/7 1781/14 1782/19 1782/24 1783/10 1783/20 1785/1 1786/5 1787/12 1788/13 1789/5 1794/18 1794/19 1794/19 1794/19 1797/4 1797/12 1799/6 1799/7 1799/22 1803/17 1803/17 1807/17 1807/21 1809/17 1809/18 1812/19 1812/19 1814/7 1819/10 1820/13 1821/15 1821/22 1823/2 1824/2 1824/3 1826/5 1827/3 1827/15

1827/21 1828/8 1828/12 1829/9 1829/10 1829/10 1830/21 1833/20 1835/9 1836/2 1837/12 1837/22 1839/14 1839/14 1840/21 1842/9 1842/23 1845/15 1845/21 1846/6 1849/16 1851/17 1852/3 1852/4 1866/6 1867/16 1867/22 1867/22 1868/4 1870/3 1870/13 1872/21 1873/12 1873/25 1874/5 1875/2 1875/2 1875/4 1876/2 1876/2 1876/15 1876/20 1880/15 1881/25 1883/19 1884/8 1884/10 1885/4 1887/3 1888/20 1888/24 1889/25 1892/13 1892/13 1893/4 1894/23 1894/23 1895/14 1895/14 1896/16 1896/22 1897/20 1897/24 1899/12 1899/22 1901/11 1902/24 1905/4 1906/22 1906/22 1908/25 1909/12 1910/25 1912/8 1914/8Ashe [3] 1820/7 1822/16 1822/20Aside [2] 1737/2 1899/15ask [59] 1624/10 1629/23 1636/16 1651/3 1669/9 1685/6 1685/9 1686/6 1686/14 1686/17 1687/11 1705/4 1711/7 1713/13 1725/13 1728/24 1735/21 1736/9 1741/23 1749/1 1750/17 1752/11 1756/8 1765/13 1765/17 1774/25 1777/21 1778/1 1778/5 1778/15 1778/20 1788/16 1790/7 1796/18 1803/16 1811/5 1815/24 1818/23 1830/14 1834/2 1835/24 1835/24 1844/23 1870/16 1877/19 1886/25 1887/16 1887/20 1900/25 1903/2 1904/16 1905/23 1906/18 1906/19 1906/20 1910/7 1912/4 1914/3 1914/5asked [76] 1641/7 1642/5 1681/10 1682/22 1683/2 1686/16 1686/23 1689/1 1690/3 1705/1 1705/2 1729/7 1729/10 1742/6 1744/20 1746/25 1755/10 1760/25 1762/6 1763/13 1765/24 1767/13 1767/25 1772/3 1772/18 1773/6 1775/10 1782/7 1782/10 1782/13 1785/5 1785/12 1785/15 1793/9 1794/19 1810/17 1811/19 1812/10 1813/3 1813/24 1831/1 1832/20 1832/24 1835/3 1835/4 1836/14 1840/11 1840/12 1840/18 1840/19 1842/1 1842/4 1846/11 1846/12 1847/20 1855/24 1856/12 1856/24 1871/15 1883/25 1884/1 1885/24 1888/3 1888/10 1888/11 1888/20 1891/13 1891/19 1891/21 1895/10 1904/1 1904/7

1919

Aasked... [4] 1904/11 1904/12 1905/15 1906/19asking [29] 1622/3 1658/5 1682/17 1688/16 1689/25 1704/23 1704/23 1708/19 1718/20 1727/5 1740/13 1740/14 1741/23 1743/8 1743/16 1745/2 1748/23 1754/21 1759/2 1764/10 1774/11 1777/10 1840/24 1841/5 1851/22 1874/14 1894/1 1904/17 1905/1asks [2] 1777/23 1778/11aspects [1] 1750/23asserted [5] 1632/11 1750/8 1754/8 1759/2 1779/8asset [20] 1648/20 1669/5 1669/10 1669/12 1669/13 1669/18 1670/9 1670/10 1681/5 1701/13 1763/1 1763/3 1764/22 1764/24 1771/1 1771/19 1800/15 1808/24 1809/5 1812/19assets [74] 1621/16 1621/18 1621/24 1622/18 1623/5 1624/15 1630/25 1643/21 1653/25 1654/4 1658/9 1658/17 1658/20 1659/2 1668/20 1668/23 1669/8 1669/19 1670/15 1671/8 1674/1 1677/13 1677/23 1678/1 1678/4 1678/22 1678/25 1701/17 1721/11 1747/19 1747/23 1752/1 1757/6 1758/19 1762/1 1764/1 1765/11 1765/15 1765/23 1774/9 1774/17 1775/5 1776/4 1777/12 1781/13 1781/20 1782/19 1783/16 1783/22 1784/1 1784/5 1784/15 1784/24 1785/2 1785/5 1785/6 1786/10 1786/24 1787/6 1787/13 1789/8 1789/19 1791/7 1791/10 1791/13 1792/16 1803/12 1804/8 1810/21 1814/8 1814/11 1815/19 1876/12 1876/24assigned [3] 1633/3 1704/4 1704/5assist [1] 1630/10assistance [2] 1832/1 1835/4Assistant [1] 1613/13Assisting [1] 1630/6assists [1] 1634/1Association [1] 1826/8assume [7] 1626/6 1672/7 1745/1 1745/2 1793/3 1793/6 1912/18assumes [1] 1777/23assuming [3] 1731/4 1731/5 1861/22assumption [2] 1655/17 1727/17assurances [1] 1807/21astute [1] 1771/4at [251] 1614/3 1616/8 1621/8 1621/17 1623/4 1623/5 1624/14 1629/12 1635/10 1638/8 1638/24 1638/25 1639/21 1640/6 1641/9

1641/12 1642/5 1642/6 1644/2 1645/16 1647/5 1648/25 1649/13 1649/14 1650/14 1650/17 1652/2 1653/12 1653/14 1654/3 1655/14 1655/18 1655/20 1655/23 1657/7 1657/19 1658/23 1659/8 1659/8 1659/10 1659/22 1660/23 1665/1 1665/24 1668/4 1676/12 1679/5 1681/2 1682/7 1683/16 1683/16 1684/17 1685/24 1686/9 1686/14 1687/10 1687/22 1688/1 1688/2 1688/10 1688/21 1690/6 1690/7 1693/11 1693/13 1694/1 1695/5 1695/5 1700/19 1700/22 1702/8 1702/23 1703/2 1703/12 1706/3 1707/2 1707/5 1711/14 1712/15 1713/4 1714/3 1715/7 1715/10 1716/22 1717/4 1718/24 1720/14 1723/3 1731/1 1731/18 1731/18 1733/13 1733/18 1733/23 1735/4 1735/6 1735/7 1735/8 1735/18 1736/14 1737/25 1739/1 1740/22 1740/23 1741/12 1743/14 1748/12 1748/23 1749/19 1750/15 1754/4 1755/10 1755/13 1756/5 1760/18 1763/19 1764/22 1766/18 1770/17 1771/2 1771/8 1772/12 1772/25 1777/19 1777/22 1778/9 1778/25 1779/1 1780/6 1780/9 1783/18 1788/8 1795/21 1796/5 1796/8 1796/20 1796/20 1796/24 1797/20 1797/25 1799/2 1801/1 1803/25 1804/7 1806/8 1809/20 1813/25 1814/20 1817/25 1821/7 1823/10 1823/22 1825/25 1828/6 1830/24 1831/3 1833/16 1834/9 1835/17 1836/23 1836/25 1837/20 1838/1 1838/2 1838/9 1838/22 1838/23 1839/10 1839/24 1840/7 1840/21 1841/21 1842/12 1842/13 1842/22 1843/1 1843/2 1843/4 1844/4 1844/6 1844/7 1845/13 1847/12 1848/11 1849/12 1849/22 1849/24 1850/4 1850/11 1850/13 1852/15 1852/17 1853/3 1854/1 1855/23 1857/10 1858/7 1861/10 1862/10 1862/16 1867/1 1868/14 1870/23 1871/5 1874/16 1874/17 1874/23 1875/25 1877/19 1877/24 1878/11 1878/17 1878/18 1878/24 1880/23 1881/4 1882/10 1883/7 1888/7 1889/19 1890/12 1890/13 1890/17 1890/22 1891/11 1891/23 1892/3 1894/15 1895/5 1895/24 1896/7 1896/20 1898/22 1899/6 1900/3 1900/11 1901/15 1906/9 1907/6 1907/13

1907/17 1907/19 1907/19 1908/18 1909/17 1909/18 1909/25 1910/6 1911/12 1911/15 1913/1attached [2] 1751/13 1848/7attaching [2] 1757/2 1757/3attachment [3] 1751/2 1757/14 1757/14attachments [2] 1749/8 1749/11attempt [1] 1680/6attempting [1] 1862/3attend [6] 1627/17 1686/8 1840/4 1841/11 1849/20 1850/4attended [1] 1850/17attention [13] 1630/14 1644/1 1719/22 1730/25 1748/15 1777/5 1806/19 1806/25 1808/10 1812/1 1853/2 1857/7 1893/1attorney [9] 1613/13 1614/3 1735/22 1854/8 1854/9 1855/6 1855/10 1855/17 1856/8attorneys [5] 1616/6 1616/10 1616/20 1627/21 1895/22audit [8] 1831/2 1835/8 1835/10 1836/3 1836/19 1884/24 1914/13 1914/14auditing [7] 1639/2 1831/20 1831/20 1831/25 1831/25 1832/4 1832/19auditor [8] 1833/13 1833/16 1834/8 1834/11 1834/14 1870/13 1870/22 1872/10August [2] 1877/1 1877/3August 1st [1] 1877/1August 20 [1] 1877/3auspices [1] 1800/16authenticate [2] 1753/17 1754/23authentication [1] 1754/20author's [1] 1807/16authority [8] 1631/11 1822/10 1828/9 1830/6 1838/21 1870/21 1875/22 1881/5authors [1] 1807/19automatically [2] 1902/9 1902/10available [4] 1736/6 1736/9 1773/8 1861/20Avenue [1] 1613/17averaging [1] 1647/1avoid [2] 1708/22 1823/24avoided [1] 1709/1awaiting [3] 1902/15 1902/19 1903/4award [1] 1829/7aware [37] 1663/8 1663/15 1666/20 1677/6 1677/7 1677/12 1677/13 1677/22 1678/3 1678/6 1681/25 1681/25 1695/5 1695/12 1695/23 1703/2 1714/17 1714/22 1714/25 1730/15 1730/20 1730/23 1732/13 1733/5 1733/24 1773/24 1774/7 1784/4 1793/24 1794/19 1816/2 1831/25 1873/15 1874/8 1877/6 1902/14 1902/22away [5] 1685/1 1831/21

1920

Aaway... [3] 1882/12 1882/17 1896/14awhile [1] 1822/23

BBachelor's [1] 1825/16back [66] 1620/5 1627/18 1638/8 1646/20 1651/1 1655/18 1655/23 1685/20 1687/24 1688/1 1691/4 1691/7 1692/19 1695/17 1705/13 1718/4 1735/6 1735/7 1738/25 1739/20 1741/17 1743/1 1748/18 1755/7 1760/17 1768/12 1768/13 1768/17 1772/2 1774/24 1778/16 1781/17 1786/17 1786/19 1796/5 1800/21 1806/8 1818/5 1818/21 1820/3 1822/12 1822/25 1823/22 1824/15 1828/6 1828/13 1831/22 1832/15 1835/14 1839/23 1842/14 1852/19 1855/6 1855/17 1864/10 1865/12 1871/16 1887/9 1890/2 1894/8 1895/6 1895/14 1902/7 1902/10 1912/16 1914/7background [7] 1703/17 1703/19 1818/2 1825/15 1829/23 1887/3 1899/13backwards [1] 1665/9bad [2] 1690/8 1822/25Bailey [2] 1884/9 1884/14balance [6] 1621/10 1621/13 1621/15 1623/4 1719/9 1876/24balances [2] 1719/9 1720/13ballpark [2] 1720/9 1914/11bank [147] 1618/5 1618/8 1618/10 1618/13 1621/19 1621/25 1622/18 1628/13 1629/12 1636/14 1637/12 1638/24 1638/25 1639/21 1645/7 1664/10 1666/18 1666/22 1667/2 1667/4 1667/11 1667/12 1667/12 1667/15 1667/18 1670/2 1670/8 1672/4 1672/4 1672/8 1672/10 1672/12 1672/18 1672/20 1672/22 1672/23 1673/4 1673/11 1673/14 1673/23 1674/3 1674/3 1677/17 1677/18 1677/20 1721/19 1721/22 1722/6 1731/14 1731/23 1732/20 1733/3 1749/13 1757/17 1761/16 1764/6 1764/12 1764/25 1771/8 1771/13 1771/24 1774/15 1781/8 1781/14 1781/25 1782/16 1782/17 1782/20 1782/22 1783/4 1783/22 1784/2 1784/16 1784/25 1785/1 1785/13 1785/16 1785/20 1785/21 1785/23 1786/6 1787/1 1787/3 1787/9 1804/12 1804/17 1804/17 1804/17 1805/2 1805/6 1807/17 1808/6 1813/3 1813/3 1813/4 1813/4 1813/5 1814/12 1815/9

1827/24 1831/2 1831/3 1832/4 1832/19 1833/17 1834/9 1834/11 1834/14 1834/20 1837/12 1837/12 1837/14 1838/15 1848/10 1854/2 1854/4 1859/2 1865/8 1865/8 1865/14 1865/18 1865/19 1867/11 1867/17 1869/24 1870/1 1872/13 1872/22 1873/14 1873/25 1874/7 1874/9 1874/20 1875/15 1876/8 1877/4 1878/13 1884/11 1884/18 1884/20 1884/25 1890/13 1890/16 1890/17 1890/20 1890/23 1894/13bank's [12] 1639/6 1643/23 1721/11 1764/3 1764/22 1774/9 1805/9 1814/8 1814/11 1869/20 1870/21 1873/25bank/brokerage [1] 1732/20bankers [1] 1840/8banking [14] 1671/17 1671/21 1722/25 1729/23 1731/6 1732/11 1733/1 1773/15 1773/16 1869/19 1869/20 1870/14 1870/21 1873/12banking/brokerage [2] 1732/11 1733/1bankrupt [5] 1733/17 1873/11 1873/14 1873/17 1874/4bankruptcy [1] 1733/17banks [23] 1667/20 1667/23 1671/15 1672/4 1674/17 1720/14 1721/14 1732/16 1733/4 1785/18 1788/13 1804/20 1804/23 1814/10 1827/1 1836/24 1857/22 1859/23 1859/25 1860/17 1875/18 1876/3 1878/10bar [1] 1754/20Barbados [1] 1848/8Barbuda [1] 1829/4Barron [3] 1614/10 1914/23 1914/24base [1] 1737/7based [4] 1701/5 1713/4 1824/3 1879/22basic [2] 1691/22 1787/25basically [30] 1637/10 1638/3 1639/17 1640/3 1640/11 1641/9 1646/7 1647/24 1649/11 1649/15 1655/15 1658/18 1660/4 1663/17 1663/18 1679/18 1681/4 1682/20 1688/18 1691/21 1691/21 1693/21 1699/4 1707/16 1708/15 1708/17 1762/12 1762/21 1808/14 1840/5basis [12] 1666/13 1702/6 1714/20 1744/23 1746/6 1747/10 1747/21 1795/23 1819/24 1821/10 1876/20 1903/16basket [3] 1803/25 1804/3 1804/6BAV [1] 1677/18be [188] 1616/3 1618/21 1619/14 1620/2 1622/22 1623/7 1623/10 1623/11 1624/15 1625/3 1626/22

1627/18 1629/8 1631/21 1634/16 1637/15 1638/14 1640/12 1640/21 1641/7 1641/17 1641/24 1643/22 1644/5 1649/13 1649/15 1651/6 1652/3 1652/6 1656/16 1660/13 1661/3 1665/9 1666/14 1667/6 1667/9 1667/10 1669/5 1670/12 1671/7 1671/11 1673/25 1674/6 1675/13 1675/18 1677/18 1681/13 1682/3 1682/4 1682/10 1682/17 1682/24 1685/5 1685/10 1686/5 1687/12 1688/5 1690/19 1693/23 1694/16 1700/20 1701/4 1701/4 1701/16 1702/17 1704/5 1704/17 1715/6 1721/17 1722/2 1725/10 1725/19 1726/1 1726/6 1728/12 1728/23 1729/14 1729/22 1734/18 1735/6 1735/7 1735/21 1735/25 1736/2 1736/6 1736/8 1736/9 1737/25 1741/16 1743/25 1749/12 1749/18 1750/17 1751/10 1752/5 1753/13 1753/16 1753/19 1755/6 1763/25 1763/25 1764/9 1765/1 1765/14 1766/6 1766/18 1768/5 1768/23 1769/3 1769/11 1769/13 1769/14 1769/15 1770/10 1771/13 1771/22 1773/1 1775/5 1776/2 1779/6 1782/4 1782/6 1783/15 1783/20 1786/21 1787/14 1787/15 1787/24 1790/24 1800/16 1802/13 1806/8 1807/16 1807/21 1810/17 1812/17 1812/23 1817/16 1823/23 1824/3 1828/15 1834/9 1835/15 1837/1 1838/21 1838/24 1840/5 1846/22 1847/19 1847/22 1849/3 1849/5 1849/6 1849/22 1851/4 1851/15 1852/9 1852/19 1852/21 1854/21 1855/21 1860/16 1860/18 1863/19 1870/11 1871/10 1874/1 1874/4 1876/23 1878/7 1897/20 1897/24 1898/1 1898/2 1899/4 1899/23 1900/4 1900/7 1903/8 1905/2 1905/12 1906/1 1906/19 1909/4 1909/15 1909/17 1912/9 1912/19bearish [1] 1763/2became [8] 1628/14 1645/18 1707/21 1712/15 1867/17 1888/22 1889/16 1890/22because [83] 1619/24 1620/25 1622/1 1622/12 1625/20 1627/7 1631/18 1633/20 1637/6 1638/6 1639/17 1640/2 1641/8 1641/17 1645/2 1645/6 1646/14 1646/22 1647/5 1648/14 1648/22 1655/2 1655/4 1657/9 1658/2 1667/11 1670/10 1670/24 1685/5 1685/5 1686/6 1686/20 1698/17 1700/6 1700/7

1921

Bbecause... [48] 1700/11 1703/4 1703/6 1705/5 1705/22 1706/18 1708/23 1709/16 1714/7 1715/20 1715/24 1717/20 1722/2 1729/19 1729/21 1736/25 1743/2 1754/7 1756/3 1765/3 1773/15 1793/13 1794/11 1813/11 1815/6 1815/14 1832/20 1841/3 1854/10 1861/23 1871/5 1878/17 1879/5 1884/24 1885/3 1885/22 1886/1 1888/6 1898/18 1899/22 1901/4 1906/2 1906/9 1906/16 1908/5 1908/8 1909/3 1911/21become [10] 1658/2 1670/16 1671/9 1695/5 1695/12 1695/23 1701/13 1701/16 1829/17 1895/7becoming [2] 1829/23 1829/24been [69] 1627/12 1635/12 1638/12 1643/7 1665/13 1701/1 1701/2 1704/9 1704/19 1705/14 1710/12 1711/3 1719/19 1719/20 1728/10 1734/8 1739/4 1757/20 1764/12 1765/15 1771/8 1771/24 1771/24 1779/23 1784/21 1788/14 1799/24 1811/13 1812/21 1822/23 1828/2 1828/4 1829/14 1833/23 1840/9 1847/5 1849/21 1850/24 1856/3 1856/4 1857/12 1861/18 1870/3 1870/7 1872/1 1872/9 1872/12 1872/14 1873/14 1873/16 1873/24 1874/4 1874/15 1875/4 1875/16 1877/4 1887/22 1888/3 1888/6 1888/6 1888/24 1893/5 1896/13 1898/4 1899/8 1903/10 1903/13 1903/14 1903/15before [48] 1613/8 1662/4 1662/22 1707/21 1708/4 1710/17 1712/13 1712/15 1735/5 1737/8 1740/17 1753/5 1779/4 1789/19 1793/22 1799/24 1811/2 1817/16 1829/23 1830/22 1830/22 1835/3 1835/4 1837/17 1855/9 1859/11 1865/20 1867/8 1867/17 1871/13 1872/2 1872/15 1877/5 1877/7 1882/5 1882/6 1882/6 1882/9 1884/6 1885/8 1889/16 1895/2 1896/17 1900/2 1900/7 1903/25 1906/13 1910/11beforehand [1] 1901/5began [3] 1738/23 1739/25 1859/19begin [3] 1707/5 1830/20 1865/8beginning [8] 1628/24 1629/18 1630/17 1668/4 1688/15 1691/4 1693/14 1802/17behalf [1] 1910/11being [62] 1629/2 1641/13 1641/14 1644/14 1668/13

1682/20 1689/18 1689/19 1690/19 1690/23 1702/13 1706/14 1712/9 1717/14 1722/5 1729/24 1733/19 1738/24 1743/2 1744/20 1750/7 1754/3 1754/7 1762/10 1763/4 1763/19 1772/3 1773/7 1775/10 1779/10 1780/23 1785/12 1786/10 1787/12 1788/13 1797/9 1808/22 1817/11 1838/10 1838/14 1838/22 1838/24 1840/11 1840/12 1840/17 1845/1 1845/2 1846/4 1847/17 1854/20 1863/6 1868/15 1871/11 1876/14 1878/21 1888/19 1888/20 1891/3 1893/13 1909/15 1912/8 1912/10believe [25] 1624/8 1637/18 1665/19 1665/21 1682/16 1689/12 1693/13 1703/4 1703/6 1710/3 1711/19 1712/1 1712/8 1713/9 1715/11 1716/18 1747/4 1781/5 1798/7 1800/17 1803/15 1813/21 1817/22 1897/2 1905/8believed [1] 1647/5believes [2] 1818/25 1819/2belong [1] 1782/22below [3] 1689/4 1758/21 1801/18bench [5] 1616/7 1817/25 1823/20 1892/3 1895/24benchmark [1] 1762/13benefits [1] 1709/6Benjamin [3] 1803/3 1803/5 1803/6Bernie [3] 1646/5 1646/12 1647/7best [5] 1628/25 1629/5 1647/10 1702/25 1741/15better [11] 1648/25 1661/2 1669/22 1682/9 1690/13 1705/2 1732/7 1732/8 1829/24 1899/13 1912/20between [15] 1646/2 1659/23 1682/1 1703/14 1730/21 1745/24 1746/8 1752/7 1812/16 1815/18 1844/13 1864/9 1870/14 1887/4 1893/5beyond [5] 1692/15 1799/22 1803/13 1908/4 1911/22biblical [1] 1641/25bidding [1] 1641/7big [3] 1650/7 1650/14 1725/18billion [44] 1622/20 1623/16 1623/17 1623/18 1623/22 1623/24 1624/17 1624/24 1625/1 1625/1 1625/2 1625/7 1625/9 1658/11 1658/15 1658/17 1658/19 1659/2 1677/6 1677/13 1678/1 1678/4 1678/4 1678/9 1678/22 1678/25 1720/16 1721/1 1721/4 1721/6 1721/6 1761/15 1761/17 1781/16 1781/21 1782/3 1783/8 1784/5 1785/4 1787/18 1788/4 1788/12 1790/25 1792/24birthday [1] 1797/15

bit [21] 1619/2 1624/23 1629/2 1637/9 1648/21 1660/2 1660/3 1660/20 1661/2 1681/21 1699/9 1709/24 1743/1 1806/4 1806/4 1831/22 1844/21 1876/15 1897/16 1906/8 1906/8blow [2] 1628/20 1749/6blue [4] 1635/3 1767/4 1768/6 1790/3BOA [8] 1666/24 1677/16 1749/12 1757/3 1757/16 1782/13 1782/16 1789/13board [45] 1619/14 1625/16 1630/21 1652/7 1724/4 1724/7 1813/25 1820/4 1824/4 1826/16 1826/18 1827/6 1837/25 1838/4 1838/11 1838/12 1838/13 1838/15 1857/11 1858/19 1862/19 1862/21 1862/24 1863/6 1873/13 1880/21 1880/22 1880/23 1880/23 1880/24 1881/4 1881/6 1881/7 1881/20 1882/25 1883/1 1884/15 1884/17 1891/21 1891/23 1891/25 1892/18 1892/20 1903/23 1904/16body [8] 1721/21 1826/20 1828/4 1828/7 1828/13 1828/16 1828/17 1839/16Bogar [7] 1665/4 1665/5 1665/6 1665/10 1709/25 1710/1 1710/2Bogar's [1] 1651/11bond [3] 1762/24 1812/18 1815/21bonds [14] 1626/16 1635/3 1636/16 1637/14 1681/6 1762/20 1762/24 1767/4 1768/7 1770/1 1770/11 1783/17 1812/3 1812/21book [4] 1730/7 1734/19 1753/19 1906/25books [1] 1907/10boom [2] 1670/8 1670/9BOP [2] 1666/24 1666/25born [1] 1711/11boss [1] 1660/7Boston [1] 1732/18both [14] 1620/17 1625/7 1640/21 1712/1 1713/20 1725/6 1752/12 1752/15 1759/9 1784/11 1828/22 1828/25 1881/21 1909/1bottom [4] 1748/15 1748/23 1749/20 1806/25bought [1] 1626/16boundaries [1] 1901/7Bourjaily [1] 1900/7bowl [9] 1639/25 1640/1 1640/5 1659/14 1728/20 1728/20 1772/2 1772/7 1773/11box [3] 1613/14 1614/7 1618/3Brady [1] 1911/4brain [1] 1654/17break [14] 1648/21 1660/12 1660/14 1687/22 1688/1 1729/25 1735/6 1806/5 1806/8 1863/12 1863/13 1863/14

1922

Bbreak... [2] 1863/20 1912/3breakdown [5] 1765/10 1765/15 1765/23 1781/22 1781/24breaking [1] 1840/22bribed [1] 1898/8briefly [9] 1621/13 1681/3 1696/18 1723/12 1734/11 1734/17 1764/7 1829/22 1839/12brightest [2] 1628/25 1629/5bring [5] 1719/22 1739/20 1777/4 1896/5 1899/24bringing [2] 1750/12 1900/10brings [1] 1838/23British [2] 1848/7 1848/25broad [2] 1669/19 1897/16broke [4] 1636/22 1645/9 1646/4 1653/25broker [3] 1677/10 1763/19 1764/6broker/dealer [2] 1677/10 1763/19broker/dealers' [1] 1764/6brokerage [5] 1618/10 1681/9 1732/11 1732/20 1733/1Brothers [5] 1733/14 1733/16 1733/19 1733/24 1734/3brought [8] 1637/11 1642/1 1779/8 1790/15 1790/22 1877/13 1877/14 1909/17Buffett [1] 1803/17Buffett's [1] 1803/9building [1] 1852/16built [2] 1705/25 1858/15bulk [2] 1647/5 1657/8bullish [6] 1762/19 1762/20 1762/23 1762/25 1763/1 1763/4bunch [1] 1680/6bundle [1] 1698/24business [30] 1628/25 1629/6 1629/8 1700/11 1712/13 1712/14 1717/1 1718/9 1751/5 1751/6 1819/2 1826/21 1830/1 1830/5 1839/13 1839/14 1840/8 1852/12 1853/1 1853/22 1865/9 1865/14 1865/19 1866/12 1866/16 1866/20 1866/25 1867/3 1882/2 1908/22businesses [2] 1724/10 1828/23bust [1] 1631/19but [176] 1616/21 1626/2 1626/9 1629/3 1632/12 1633/25 1635/11 1635/17 1635/25 1641/17 1644/9 1646/8 1646/11 1649/23 1650/21 1651/18 1652/15 1653/9 1653/22 1654/9 1654/17 1656/23 1657/6 1657/20 1658/8 1663/18 1665/9 1666/15 1667/7 1667/12 1667/24 1668/17 1669/19 1670/22 1671/6 1671/7 1671/20 1679/13 1682/9 1684/1 1684/20 1687/2 1689/18 1690/8 1690/12 1691/6 1691/13 1692/16 1692/20 1693/16 1694/5

1695/16 1697/1 1697/7 1697/7 1699/25 1701/19 1702/24 1704/4 1706/8 1707/10 1708/4 1711/7 1711/12 1712/4 1713/24 1716/23 1718/18 1719/3 1719/8 1724/11 1726/25 1731/5 1733/18 1734/3 1734/20 1736/3 1736/24 1739/19 1742/22 1743/15 1747/17 1750/6 1750/24 1752/6 1752/9 1752/16 1752/22 1753/4 1753/20 1755/7 1755/23 1756/6 1756/6 1756/7 1758/4 1759/21 1765/1 1766/12 1779/18 1781/24 1789/6 1792/16 1795/22 1798/21 1799/7 1799/25 1804/16 1809/17 1811/2 1816/11 1817/5 1817/17 1819/12 1821/8 1821/20 1823/8 1823/11 1823/15 1824/10 1828/12 1830/21 1831/16 1835/4 1835/7 1837/24 1840/15 1840/23 1841/4 1842/16 1844/2 1844/21 1845/8 1845/12 1846/11 1847/16 1847/18 1852/18 1861/5 1862/16 1864/20 1868/18 1868/24 1869/13 1871/11 1871/25 1872/4 1872/8 1875/10 1877/24 1879/21 1883/25 1887/7 1893/14 1894/3 1896/15 1899/13 1901/15 1901/20 1901/23 1902/23 1902/24 1902/25 1908/3 1909/1 1909/2 1909/13 1909/14 1909/16 1909/25 1910/7 1911/16 1911/18 1912/4 1912/19 1912/23buy [7] 1626/17 1635/4 1642/2 1643/12 1655/22 1767/5 1783/19buy/hold [2] 1635/4 1767/5buying [1] 1708/21

CC-R-I-C-K [1] 1825/6cage [1] 1640/5calculation [1] 1678/12calculator [2] 1624/18 1721/5call [25] 1639/10 1639/16 1639/19 1639/24 1640/1 1664/24 1665/7 1692/18 1709/18 1716/15 1736/19 1747/22 1817/8 1828/11 1830/25 1835/5 1835/7 1835/7 1839/1 1841/15 1843/23 1846/24 1850/16 1879/5 1883/4called [18] 1648/1 1652/14 1692/12 1707/9 1711/5 1736/6 1746/5 1771/17 1799/3 1799/4 1803/1 1847/3 1856/12 1857/12 1870/21 1885/23 1899/11 1901/7calling [2] 1811/11 1847/1calls [2] 1817/9 1867/6Cambridge [6] 1843/21 1843/25 1846/2 1846/3 1846/8 1847/23came [23] 1636/15 1640/4

1641/10 1654/12 1661/14 1703/3 1707/15 1708/14 1718/9 1729/7 1737/16 1794/12 1803/3 1823/7 1835/22 1843/12 1843/23 1851/17 1864/9 1865/20 1877/22 1887/22 1895/6camera [1] 1880/10cameras [1] 1616/13can [161] 1617/16 1617/20 1617/22 1617/23 1618/24 1619/13 1620/6 1620/8 1620/9 1620/13 1620/14 1620/23 1621/13 1623/13 1624/1 1624/4 1627/8 1627/9 1627/22 1628/2 1629/15 1630/17 1633/13 1633/23 1636/6 1636/11 1637/9 1640/21 1641/6 1642/11 1645/21 1653/15 1654/19 1661/3 1661/10 1663/25 1673/21 1680/7 1681/13 1687/24 1694/19 1699/14 1699/15 1701/8 1701/10 1701/16 1701/16 1702/13 1704/25 1708/11 1713/13 1718/23 1719/5 1719/14 1726/4 1727/8 1730/2 1730/4 1731/1 1735/15 1737/21 1749/14 1752/7 1752/8 1754/16 1754/18 1754/22 1755/23 1756/2 1756/23 1758/21 1764/7 1764/9 1767/2 1767/14 1767/14 1769/16 1772/6 1773/21 1774/24 1776/10 1778/16 1779/20 1786/16 1786/17 1790/3 1790/8 1797/25 1798/1 1798/2 1800/19 1801/10 1807/2 1807/21 1808/2 1810/6 1810/18 1811/23 1812/14 1812/17 1814/2 1814/5 1815/21 1816/5 1817/4 1817/20 1818/22 1819/16 1821/6 1822/15 1823/1 1823/5 1823/17 1824/2 1824/9 1824/25 1828/21 1831/21 1831/22 1832/13 1832/18 1834/2 1835/14 1836/6 1836/22 1845/15 1846/21 1848/12 1849/11 1852/14 1860/10 1862/2 1863/8 1863/13 1868/4 1868/19 1869/12 1876/14 1887/6 1887/8 1887/9 1887/10 1888/15 1891/9 1894/17 1898/2 1898/4 1898/4 1898/22 1898/24 1899/11 1899/16 1906/3 1906/11 1906/18 1906/19 1908/23 1909/19 1910/20 1912/4 1912/5can't [14] 1621/1 1627/7 1643/15 1654/21 1655/5 1699/9 1707/10 1773/22 1774/25 1821/12 1823/15 1861/23 1867/24 1898/2Canada [1] 1733/1cannot [1] 1820/17capabilities [3] 1706/11 1710/23 1711/16capable [2] 1712/2 1712/9capacity [5] 1824/10 1874/5

1923

Ccapacity... [3] 1876/12 1877/11 1893/19capital [30] 1640/23 1640/25 1641/3 1641/11 1642/6 1642/24 1643/1 1643/3 1643/6 1643/19 1650/7 1650/21 1651/8 1652/8 1652/9 1652/14 1652/15 1652/16 1652/18 1696/15 1696/17 1697/21 1697/24 1699/4 1699/8 1699/18 1710/10 1766/2 1766/6 1766/12caps [2] 1642/18 1642/22car [1] 1785/23care [3] 1695/16 1705/25 1724/25career [1] 1702/13careful [2] 1849/3 1849/5Caribbean [2] 1825/17 1881/24carried [1] 1884/12carry [1] 1708/21case [23] 1616/4 1616/5 1616/21 1736/2 1764/17 1771/16 1771/21 1788/18 1817/16 1820/17 1838/24 1839/5 1852/2 1876/8 1887/5 1893/21 1899/15 1901/10 1901/24 1909/7 1911/1 1911/3 1912/20cases [5] 1820/19 1821/23 1822/8 1823/15 1909/14cash [29] 1622/24 1623/1 1634/14 1634/17 1642/24 1643/2 1644/17 1644/21 1651/21 1651/22 1657/9 1672/1 1674/7 1674/22 1679/20 1719/8 1719/9 1720/13 1720/21 1720/24 1720/24 1721/1 1721/2 1721/2 1781/22 1812/14 1812/16 1815/22 1828/2catch [1] 1835/12catchall [1] 1822/12catching [2] 1706/13 1706/13cause [4] 1646/13 1647/4 1648/22 1914/19caused [5] 1708/7 1708/8 1714/3 1851/16 1851/20CD [7] 1618/7 1618/11 1645/2 1677/6 1678/11 1771/14 1787/13CDs [10] 1618/5 1645/3 1679/3 1783/1 1786/6 1786/10 1789/7 1789/16 1800/15 1834/21centered [1] 1841/13CEO [1] 1891/13certain [9] 1621/17 1667/7 1712/12 1765/3 1765/5 1876/7 1876/18 1894/12 1908/1certainly [6] 1722/5 1779/10 1819/10 1855/5 1897/14 1913/19certification [3] 1826/5 1877/20 1914/18certified [1] 1826/6certify [1] 1914/19cetera [1] 1857/22CFO [2] 1665/16 1665/18chain [10] 1680/14 1681/11 1684/1 1688/14 1691/3 1691/8

1737/9 1737/24 1740/24 1741/12chains [2] 1738/13 1739/17chairman [12] 1826/16 1826/18 1827/2 1827/6 1827/15 1829/23 1890/23 1891/11 1894/23 1895/7 1904/1 1904/18chairperson [1] 1824/4chairwoman [1] 1827/15challenging [1] 1909/13chance [2] 1661/11 1708/13change [30] 1648/9 1648/10 1670/15 1670/15 1682/20 1683/2 1685/3 1685/3 1685/9 1685/14 1685/25 1686/10 1686/23 1690/13 1718/5 1720/21 1741/17 1741/19 1761/6 1763/13 1776/3 1776/7 1793/14 1808/15 1886/10 1886/13 1886/14 1886/16 1886/17 1886/19changed [6] 1686/12 1707/2 1828/9 1838/12 1887/25 1888/4changes [5] 1671/8 1671/20 1789/21 1887/23 1887/23changing [1] 1763/14characterization [2] 1747/9 1762/3characterize [1] 1738/23characterized [1] 1715/13charade [1] 1772/24charge [14] 1660/9 1702/18 1744/9 1744/10 1838/25 1853/15 1853/18 1854/15 1854/22 1855/1 1855/21 1855/22 1856/2 1897/19charged [1] 1902/12charges [2] 1902/22 1903/20chart [7] 1620/24 1621/3 1788/25 1789/5 1789/9 1790/2 1801/14Charted [1] 1825/22Chartered [1] 1825/18check [1] 1773/16checked [1] 1914/9checking [3] 1639/6 1743/21 1786/1cheese [2] 1838/25 1855/4Cher [2] 1768/12 1863/21Cheryll [3] 1614/10 1914/23 1914/24Chicago [2] 1640/15 1692/9chief [2] 1736/12 1881/8chips [3] 1635/3 1767/4 1768/7church [2] 1703/15 1715/7CIO [1] 1631/18circuit [4] 1736/12 1911/1 1911/3 1911/20circumstance [1] 1717/18circumstances [10] 1670/15 1671/9 1690/23 1695/12 1695/23 1697/16 1727/22 1728/1 1738/15 1822/11cited [1] 1900/6citizen [1] 1855/1citizens [2] 1782/23 1783/3civil [3] 1821/3 1821/3 1822/7clarification [1] 1823/24

clarify [4] 1651/19 1686/2 1725/3 1823/11class [5] 1763/1 1846/18 1846/19 1847/3 1848/2classes [3] 1648/20 1771/1 1771/20classic [1] 1838/24classified [1] 1812/19Clayton [1] 1693/24clean [15] 1715/24 1740/18 1740/20 1857/13 1857/14 1857/14 1857/15 1857/16 1857/17 1857/19 1857/21 1857/24 1858/10 1858/11 1858/17cleaned [1] 1769/20clear [14] 1678/17 1686/22 1686/24 1716/13 1718/7 1734/18 1740/13 1744/1 1766/6 1790/24 1821/1 1828/15 1836/10 1842/4clearly [6] 1685/13 1703/13 1740/8 1821/11 1838/20 1847/18client [6] 1630/1 1630/6 1630/11 1630/18 1636/16 1772/16client's [1] 1765/8clients [26] 1628/13 1636/14 1636/15 1637/9 1637/11 1637/11 1637/13 1637/19 1640/4 1681/5 1689/19 1689/19 1763/17 1763/18 1764/1 1764/6 1770/5 1770/10 1770/22 1771/12 1772/25 1773/8 1773/11 1774/16 1798/17 1809/4clients' [2] 1783/14 1783/15clock [4] 1735/4 1835/13 1906/11 1906/17close [5] 1669/4 1669/11 1703/13 1800/12 1909/15closely [1] 1729/20closer [1] 1627/6Club [2] 1716/6 1716/9CM [1] 1614/10CMR [1] 1914/24co [8] 1833/20 1833/21 1833/25 1897/21 1897/25 1898/11 1899/22 1905/4co-conspirator [8] 1833/20 1833/21 1833/25 1897/21 1897/25 1898/11 1899/22 1905/4Coca [3] 1642/22 1643/15 1711/6Coca-Cola [2] 1642/22 1711/6Coca-Cola or [1] 1643/15Cola [3] 1642/22 1643/15 1711/6collaborate [1] 1845/21collapse [1] 1656/25collateral [1] 1701/10collecting [2] 1709/8 1709/9college [5] 1703/3 1703/17 1703/18 1703/25 1825/25Collinsworth [97] 1617/3 1617/6 1617/20 1620/5 1620/13 1621/7 1621/10 1622/17 1624/10 1624/14 1627/12 1628/4 1628/17 1628/23 1629/23 1632/7

1924

CCollinsworth... [81] 1632/21 1634/9 1634/12 1635/12 1635/23 1637/7 1640/8 1643/4 1650/6 1651/21 1652/23 1656/4 1656/8 1656/13 1657/11 1659/10 1670/24 1687/19 1688/9 1718/11 1725/4 1725/18 1727/5 1730/10 1730/14 1737/7 1738/14 1739/16 1740/7 1740/16 1744/20 1748/9 1749/8 1751/3 1751/21 1751/25 1754/18 1754/21 1756/2 1756/21 1757/24 1758/21 1759/19 1759/24 1760/12 1760/21 1760/25 1761/21 1765/21 1766/22 1766/24 1770/8 1770/14 1770/19 1771/14 1772/2 1774/15 1775/10 1775/25 1779/23 1780/22 1781/6 1781/13 1781/19 1784/15 1785/4 1785/12 1788/24 1793/11 1797/25 1800/7 1801/24 1806/14 1809/10 1810/24 1813/16 1814/5 1814/22 1816/18 1816/24 1913/22colors [1] 1798/21combined [4] 1749/16 1749/24 1757/20 1910/16combines [1] 1911/14come [37] 1617/9 1644/6 1644/8 1657/9 1672/17 1684/8 1691/4 1691/7 1713/7 1715/24 1752/13 1754/14 1755/2 1755/11 1755/24 1759/6 1773/20 1773/21 1817/12 1817/24 1822/25 1824/14 1841/7 1843/7 1853/5 1856/12 1861/15 1871/16 1877/20 1898/12 1898/13 1900/8 1900/9 1900/12 1902/9 1902/9 1902/20comes [9] 1674/8 1684/17 1692/1 1724/15 1752/5 1818/5 1818/6 1823/20 1870/10comfortable [1] 1847/8coming [18] 1644/16 1645/3 1645/6 1668/7 1669/12 1672/19 1686/4 1702/11 1703/1 1755/23 1756/1 1760/8 1820/12 1823/22 1831/15 1879/19 1906/9 1906/10commence [1] 1877/3commenced [1] 1832/8comment [10] 1839/5 1840/23 1841/16 1841/19 1842/1 1842/2 1842/5 1842/6 1846/11 1887/6commentary [1] 1689/5commenting [1] 1852/18comments [6] 1840/11 1840/14 1840/15 1842/10 1842/24 1843/4commercial [10] 1635/24 1635/25 1672/7 1672/12 1700/21 1700/25 1701/3 1701/6 1701/15 1785/21commission [15] 1818/18

1826/17 1826/19 1826/19 1826/20 1827/4 1828/10 1828/19 1837/21 1838/11 1848/8 1881/6 1891/8 1892/22 1893/23commit [1] 1718/21committee [20] 1619/15 1629/7 1641/7 1652/7 1837/23 1839/11 1839/12 1839/13 1839/16 1840/3 1840/4 1840/13 1840/18 1840/25 1841/11 1842/8 1842/10 1842/16 1849/21 1852/15committee's [1] 1633/1commodities [10] 1679/14 1691/17 1691/17 1691/18 1691/20 1692/7 1693/23 1706/2 1706/9 1794/5commodity [4] 1634/23 1691/21 1693/20 1705/12common [1] 1696/22commonly [1] 1722/24communicated [1] 1892/21communication [3] 1630/2 1630/12 1630/18companies [37] 1640/11 1640/20 1640/20 1640/21 1640/22 1641/18 1642/14 1642/17 1642/17 1643/1 1650/8 1650/16 1650/23 1650/25 1657/5 1657/9 1663/2 1663/5 1663/11 1663/22 1664/4 1664/6 1668/2 1675/6 1676/25 1678/18 1699/19 1701/5 1707/6 1710/6 1711/4 1724/20 1789/14 1807/19 1814/10 1856/23 1867/14company [48] 1618/2 1618/7 1621/17 1639/5 1640/17 1644/21 1648/4 1649/12 1649/14 1652/19 1657/10 1660/23 1671/14 1675/6 1680/8 1686/21 1698/2 1698/3 1698/6 1698/9 1698/9 1698/13 1698/14 1707/6 1711/5 1711/5 1711/13 1713/5 1713/7 1713/8 1715/24 1717/1 1724/12 1725/18 1726/19 1734/20 1734/21 1740/8 1740/10 1766/7 1766/13 1766/16 1776/7 1784/15 1784/24 1798/15 1815/11 1852/21compare [4] 1637/21 1642/11 1650/21 1828/21compared [2] 1690/8 1744/13comparison [1] 1642/16compilations [1] 1821/17compile [1] 1633/4compiled [1] 1751/23complete [1] 1705/7completely [2] 1697/21 1700/18Complies [5] 1628/19 1629/25 1632/20 1634/11 1781/12complying [1] 1876/8computer [10] 1613/24 1679/18 1691/16 1694/11 1694/12 1719/3 1763/11 1763/14 1770/16 1799/4computer-aided [1] 1613/24computers [2] 1638/1 1640/6concepts [2] 1712/12 1712/12

concern [15] 1646/13 1648/23 1658/3 1658/4 1822/22 1822/24 1841/13 1842/6 1842/15 1851/16 1851/17 1851/21 1901/24 1911/7 1914/4concerned [11] 1645/18 1658/3 1700/7 1700/9 1821/9 1841/3 1841/5 1849/7 1851/15 1853/1 1860/4concerning [6] 1681/15 1846/2 1849/9 1856/14 1892/13 1907/7concerns [18] 1647/4 1647/17 1647/21 1648/7 1651/2 1654/9 1654/12 1658/1 1838/3 1838/6 1838/14 1840/24 1841/2 1851/11 1851/14 1852/3 1859/21 1882/22conclusion [2] 1713/7 1910/6condition [2] 1753/22 1753/24conditional [1] 1756/2conditionally [1] 1753/16conduct [7] 1737/10 1857/12 1876/7 1877/11 1877/16 1897/4 1902/13conducted [6] 1777/6 1842/7 1846/4 1876/16 1884/18 1890/15conducting [4] 1831/2 1876/21 1878/7 1891/6conducts [1] 1852/11conference [3] 1648/1 1648/3 1648/6conflict [2] 1838/20 1854/23confrontation [6] 1778/13 1822/16 1834/2 1861/20 1861/21 1861/23confusing [1] 1871/21confusion [1] 1661/3conglomeration [1] 1676/7Congress [1] 1613/21connection [7] 1646/2 1830/20 1852/6 1858/24 1894/13 1899/15 1902/12conservative [6] 1635/4 1742/8 1767/5 1767/11 1767/22 1768/7consider [3] 1812/22 1824/15 1838/16considered [2] 1669/5 1669/12considering [2] 1906/12 1912/24consisted [2] 1768/6 1768/8consistent [4] 1634/24 1635/6 1767/19 1812/7consolidated [1] 1653/19consolidating [1] 1787/3conspiracy [18] 1896/9 1896/14 1896/25 1897/2 1897/5 1897/12 1897/14 1897/24 1897/24 1898/3 1898/17 1899/4 1899/6 1899/9 1901/12 1901/13 1904/22 1905/12conspirator [9] 1833/20 1833/21 1833/25 1896/3 1897/21 1897/25 1898/11 1899/22 1905/4construed [1] 1807/17consult [1] 1842/9consultant [1] 1826/11

1925

Cconsulting [1] 1842/7contact [2] 1777/19 1893/11contacted [1] 1893/7contain [1] 1809/16contained [5] 1630/9 1770/20 1777/12 1809/19 1809/22contents [1] 1630/4context [3] 1641/21 1762/5 1763/7continue [10] 1630/23 1650/10 1684/7 1684/23 1771/7 1832/20 1862/15 1879/1 1881/16 1906/14Continued [2] 1614/1 1614/2continuing [5] 1776/11 1896/9 1896/14 1896/25 1913/22contract [1] 1669/11control [2] 1674/25 1883/8convenient [1] 1817/21conversation [8] 1654/15 1668/5 1682/1 1708/21 1709/2 1802/18 1811/10 1844/4conversations [2] 1743/20 1745/23cool [3] 1731/12 1736/24 1736/24copied [1] 1781/2copies [2] 1748/20 1749/2copy [5] 1617/20 1738/18 1756/22 1766/25 1798/7corporation [1] 1834/5Corporations [4] 1826/21 1830/1 1830/5 1853/22correct [457] corrected [1] 1662/14correctly [4] 1831/9 1838/12 1854/11 1897/15correspond [4] 1731/4 1731/6 1731/10 1731/17correspondence [17] 1884/15 1891/8 1891/11 1891/20 1891/22 1892/1 1892/19 1892/22 1892/24 1893/4 1894/15 1894/25 1895/11 1895/13 1895/20 1903/24 1904/2corresponding [1] 1894/7Costa [2] 1613/13 1823/13cotton [1] 1691/23could [85] 1624/19 1625/5 1628/20 1628/23 1629/18 1630/5 1630/8 1631/19 1634/9 1634/12 1636/16 1648/21 1649/14 1654/14 1680/11 1680/25 1688/11 1701/2 1701/4 1701/4 1703/13 1709/8 1709/18 1710/12 1714/10 1715/24 1728/10 1729/10 1734/8 1743/23 1748/12 1749/5 1755/11 1757/18 1759/19 1760/18 1760/21 1768/12 1770/14 1770/19 1771/7 1772/25 1773/10 1773/12 1777/12 1778/15 1779/24 1781/4 1781/17 1782/24 1783/3 1787/24 1802/13 1805/15 1810/17 1811/2 1812/24 1813/18 1814/12 1815/6 1820/8 1823/17 1829/22 1830/12

1838/21 1839/12 1842/25 1845/21 1854/25 1855/11 1856/12 1862/23 1868/9 1868/12 1869/5 1870/12 1872/2 1881/3 1886/23 1887/20 1889/7 1893/1 1897/17 1898/17 1914/2couldn't [10] 1638/11 1648/19 1694/16 1704/22 1712/12 1765/1 1765/7 1773/10 1812/11 1815/14Council [1] 1869/17counsel [30] 1616/12 1616/25 1627/24 1687/12 1692/16 1713/13 1727/5 1736/10 1737/2 1737/2 1737/15 1750/16 1755/23 1790/11 1797/21 1806/11 1813/21 1813/21 1817/22 1817/25 1849/13 1861/15 1870/15 1871/22 1883/23 1888/15 1889/1 1895/24 1905/23 1908/6countries [2] 1771/1 1771/19country [3] 1729/25 1869/3 1887/5counts [1] 1736/23couple [3] 1656/5 1656/10 1855/16course [26] 1648/15 1648/16 1651/4 1682/8 1684/24 1685/1 1692/2 1692/18 1724/6 1737/2 1750/22 1751/4 1759/14 1764/11 1768/21 1775/1 1787/24 1808/15 1819/20 1841/17 1843/24 1845/25 1866/13 1872/5 1897/1 1901/9court [46] 1613/1 1614/9 1614/10 1620/8 1629/3 1735/2 1735/14 1751/5 1752/20 1753/22 1756/1 1756/1 1768/14 1768/18 1786/20 1817/16 1818/24 1821/15 1823/24 1824/17 1829/3 1829/6 1829/6 1829/9 1829/10 1830/14 1832/16 1863/20 1864/22 1899/3 1900/6 1900/8 1901/14 1902/1 1905/1 1906/1 1906/21 1907/21 1912/7 1912/7 1912/13 1912/14 1912/15 1914/5 1914/18 1914/24Court's [6] 1660/10 1788/19 1813/14 1901/11 1902/2 1906/5courtroom [4] 1616/10 1817/4 1817/5 1830/10courts [3] 1887/5 1887/6 1887/10cover [3] 1675/13 1751/9 1771/10covered [1] 1723/25cows [1] 1705/25CPA [2] 1825/19 1825/20CR [1] 1613/3Crawford [1] 1821/11create [6] 1637/2 1680/7 1690/3 1764/21 1765/24 1828/7created [8] 1730/8 1751/4 1751/25 1762/22 1764/8 1809/11 1823/11 1886/2

creating [6] 1752/23 1765/13 1765/16 1765/20 1876/20 1885/23creation [1] 1830/6credentials [1] 1776/23Credit [12] 1732/18 1777/17 1777/19 1777/22 1778/10 1778/25 1779/1 1810/22 1811/6 1811/11 1815/24 1816/3Crick [87] 1817/9 1817/12 1817/14 1820/4 1824/20 1825/2 1825/3 1825/4 1825/15 1826/9 1830/18 1831/3 1832/18 1835/1 1835/21 1836/2 1836/18 1837/24 1839/8 1843/15 1844/1 1845/9 1845/19 1846/18 1847/16 1847/23 1848/4 1848/23 1849/15 1851/11 1852/23 1853/2 1855/3 1855/19 1857/7 1857/19 1861/7 1862/9 1862/21 1862/23 1864/1 1865/3 1865/7 1866/6 1866/19 1867/10 1868/3 1868/4 1870/12 1870/20 1872/8 1873/6 1874/23 1875/4 1875/13 1875/21 1877/16 1878/6 1879/20 1880/3 1880/17 1881/3 1881/16 1884/5 1885/4 1885/13 1886/10 1887/20 1888/24 1889/10 1892/8 1892/18 1893/1 1894/7 1895/6 1897/7 1900/20 1902/5 1902/12 1902/15 1902/16 1902/18 1903/4 1903/23 1904/16 1905/15 1909/15Crick's [1] 1852/3crime [1] 1718/21criminal [5] 1820/17 1820/19 1820/21 1821/23 1822/8criminally [1] 1902/12criteria [1] 1689/25Croix [2] 1648/2 1683/16cross [17] 1660/16 1744/21 1746/25 1752/6 1752/12 1760/25 1761/22 1766/1 1767/25 1772/4 1773/6 1775/12 1777/10 1785/13 1862/12 1871/18 1906/3cross-examination [12] 1660/16 1744/21 1746/25 1760/25 1761/22 1766/1 1767/25 1773/6 1775/12 1777/10 1785/13 1871/18cross-examine [1] 1752/6CSR [2] 1614/10 1914/24culminating [1] 1688/17CUO [1] 1885/24currencies [5] 1637/15 1691/17 1729/11 1771/1 1771/20current [27] 1668/20 1668/21 1668/22 1668/23 1668/24 1668/25 1669/1 1669/5 1669/8 1669/12 1669/13 1669/18 1669/19 1670/10 1670/16 1670/16 1671/9 1671/9 1704/7 1803/1 1803/2 1803/12 1803/12 1808/14 1809/17 1812/19 1876/13

1926

Ccurrently [6] 1826/16 1902/15 1902/18 1903/4 1903/12 1903/13custodian [3] 1778/25 1859/23 1860/3customer [2] 1773/25 1774/8customers [2] 1764/18 1828/24customers' [2] 1762/1 1782/25cut [1] 1760/10

DD'Amato [13] 1741/24 1741/24 1741/25 1742/1 1742/6 1742/20 1742/22 1744/6 1762/14 1799/17 1799/18 1799/19 1808/22D'Amato's [1] 1689/14daily [4] 1714/20 1746/6 1747/10 1747/21Danny [8] 1651/10 1665/4 1665/5 1665/6 1665/9 1665/10 1710/1 1710/2data [1] 1821/17date [25] 1688/21 1689/1 1726/1 1726/6 1726/9 1750/2 1757/12 1758/4 1760/22 1780/25 1796/3 1796/6 1796/21 1796/22 1796/24 1808/8 1809/22 1818/12 1865/10 1876/25 1890/6 1908/1 1908/4 1908/23 1914/21dated [1] 1877/1dates [2] 1755/21 1795/21dating [1] 1708/12daughter [1] 1702/25DAVID [2] 1613/8 1708/24Davis [116] 1619/14 1620/2 1625/16 1627/3 1641/9 1641/11 1652/6 1659/18 1659/24 1660/8 1661/22 1662/2 1665/16 1666/4 1666/5 1666/7 1666/8 1666/10 1666/14 1666/15 1680/14 1680/19 1681/10 1681/18 1682/1 1682/6 1682/25 1683/17 1683/19 1683/20 1683/22 1684/1 1684/4 1685/2 1686/23 1688/16 1690/12 1690/24 1692/24 1701/22 1702/6 1702/8 1702/16 1702/23 1702/24 1703/5 1703/5 1704/8 1705/2 1705/14 1705/16 1705/21 1706/21 1709/22 1710/2 1710/20 1711/23 1712/1 1712/4 1713/20 1714/15 1714/17 1715/12 1716/2 1717/9 1717/15 1717/20 1717/25 1718/8 1723/25 1724/18 1724/21 1727/1 1727/16 1730/21 1737/17 1741/14 1743/13 1743/18 1744/2 1744/22 1744/25 1745/24 1746/23 1747/22 1752/4 1752/5 1752/6 1752/8 1752/10 1754/11 1754/12 1754/14 1754/23 1756/25 1757/11 1757/25 1758/12 1759/6 1759/20 1759/25 1760/12

1760/22 1762/5 1763/13 1775/11 1776/1 1793/10 1793/13 1793/18 1794/3 1794/4 1794/20 1794/22 1794/25 1794/25Davis' [9] 1683/17 1702/25 1703/10 1705/23 1705/24 1714/21 1715/7 1715/10 1772/10day [55] 1620/6 1626/1 1626/1 1626/1 1626/1 1626/7 1626/7 1630/25 1630/25 1633/4 1633/4 1634/1 1634/1 1635/20 1648/12 1650/16 1654/17 1665/25 1665/25 1666/6 1666/6 1666/13 1666/13 1686/4 1702/5 1702/5 1716/1 1716/1 1724/15 1724/15 1724/18 1724/18 1727/17 1748/1 1748/2 1786/23 1816/18 1816/24 1832/8 1849/22 1859/10 1859/11 1859/18 1859/18 1860/11 1861/2 1861/7 1878/16 1878/17 1878/18 1878/19 1878/24 1879/5 1900/6 1908/11day-to-day [12] 1626/1 1626/1 1626/7 1630/25 1633/4 1634/1 1665/25 1666/6 1666/13 1702/5 1716/1 1724/18days [3] 1654/10 1668/14 1882/13DB [1] 1665/7DC [1] 1613/17De [3] 1877/17 1878/6 1878/21De Abreu [1] 1877/17deal [5] 1641/3 1649/16 1799/21 1835/14 1913/11dealer [2] 1677/10 1763/19dealers' [1] 1764/6dealing [3] 1642/14 1765/3 1901/5deals [14] 1641/2 1641/10 1641/10 1641/12 1641/13 1641/14 1641/16 1641/17 1649/4 1649/4 1649/6 1649/7 1649/10 1656/20dealt [1] 1692/11Dear [3] 1868/12 1869/5 1869/16debt [3] 1634/22 1642/24 1643/2December [4] 1645/12 1654/6 1750/3 1760/23December 1st [1] 1750/3December 6 [1] 1760/23decide [1] 1884/17decided [4] 1626/17 1741/14 1903/14 1903/15deciding [1] 1886/11decision [18] 1666/12 1833/5 1836/19 1837/3 1854/10 1854/24 1855/11 1855/11 1855/13 1869/17 1872/23 1880/20 1880/24 1884/13 1884/15 1885/16 1900/6 1902/19decisions [2] 1666/11 1881/12defendant [5] 1613/18 1614/2 1830/8 1830/15 1861/22

defense [9] 1616/6 1616/10 1616/12 1687/12 1687/15 1688/11 1738/12 1909/25 1913/12defines [1] 1671/19definition [10] 1649/9 1655/7 1669/13 1669/19 1691/19 1691/22 1705/6 1802/25 1815/21 1815/23definitional [1] 1671/20definitions [2] 1670/13 1671/3degree [3] 1814/6 1814/23 1825/16delay [2] 1616/4 1616/20demanded [1] 1850/22demonstrative [2] 1617/20 1617/23demoted [2] 1713/10 1713/21denied [1] 1912/18department [8] 1613/16 1830/1 1830/4 1837/10 1838/17 1853/23 1854/22 1854/25depending [2] 1671/9 1755/8depends [4] 1670/14 1735/4 1753/21 1774/23deposit [6] 1634/14 1672/17 1672/22 1674/8 1815/11 1827/24depositors [6] 1771/15 1786/9 1787/13 1813/5 1813/8 1814/7depositors' [1] 1618/9deposits [4] 1637/12 1677/7 1678/17 1782/23deputy [5] 1829/25 1830/22 1839/24 1891/13 1891/13describe [11] 1633/6 1641/6 1660/1 1730/6 1840/6 1841/10 1843/19 1844/12 1856/10 1857/19 1875/13described [4] 1633/9 1687/7 1723/24 1811/10describing [2] 1632/8 1742/4description [7] 1633/15 1634/3 1634/6 1634/12 1634/24 1635/6 1642/1design [1] 1679/18designed [3] 1629/20 1691/16 1762/13designing [1] 1641/24Destroyed [1] 1895/1detail [2] 1694/20 1791/3detailed [1] 1764/9details [2] 1648/3 1738/5determination [3] 1878/6 1878/8 1878/9determine [2] 1697/17 1764/1determining [1] 1876/20developed [2] 1629/21 1837/2developing [1] 1630/10Development [2] 1868/6 1868/24developments [2] 1704/8 1882/2devote [3] 1726/8 1726/14 1726/17diagram [2] 1624/14 1781/17did [378] did, [1] 1763/6did, no [1] 1763/6didn't [54] 1619/22 1622/6 1625/14 1626/2 1648/22

1927

Ddidn't... [49] 1651/1 1654/10 1654/23 1655/2 1655/3 1656/14 1662/17 1676/17 1686/17 1686/20 1694/14 1694/19 1697/7 1708/21 1712/10 1733/13 1733/23 1742/23 1761/4 1761/9 1761/13 1772/11 1775/4 1775/18 1776/6 1776/7 1777/14 1782/11 1782/13 1784/20 1785/23 1786/1 1794/9 1802/21 1816/6 1816/13 1824/11 1824/11 1832/18 1832/24 1835/2 1835/12 1850/2 1854/16 1864/12 1888/14 1888/17 1899/24 1911/21died [1] 1803/18difference [4] 1812/16 1815/18 1881/4 1887/4different [8] 1637/13 1673/15 1697/22 1753/13 1755/21 1773/1 1839/3 1911/15differently [1] 1671/20dinner [3] 1683/17 1684/17 1716/12dipping [6] 1709/18 1715/13 1734/10 1734/13 1734/15 1734/17dire [3] 1727/9 1740/19 1836/7direct [19] 1617/4 1660/22 1692/16 1700/6 1701/25 1723/9 1730/25 1748/15 1752/12 1764/11 1779/25 1806/19 1813/22 1824/21 1827/24 1830/18 1839/8 1893/1 1913/22directed [1] 1883/2directing [3] 1806/25 1808/10 1835/10direction [1] 1660/8directive [1] 1879/20directives [1] 1881/7directly [3] 1647/6 1681/25 1858/1director [19] 1829/25 1830/3 1830/7 1830/22 1839/24 1839/25 1840/1 1844/7 1853/3 1867/17 1873/11 1874/5 1876/2 1881/5 1883/7 1883/9 1885/5 1886/2 1889/17director's [2] 1827/21 1827/23directors [7] 1619/15 1630/21 1652/7 1807/18 1857/11 1873/14 1881/6directors/investment [2] 1619/15 1652/7disagreement [2] 1730/21 1849/8Disclaimer [1] 1807/12disclosing [4] 1773/25 1773/25 1774/8 1774/8disconnect [1] 1656/18discovered [2] 1646/4 1892/20discretionary [1] 1631/11discuss [4] 1619/18 1755/1 1773/12 1851/6discussed [9] 1676/24 1709/19

1709/24 1714/12 1734/10 1844/13 1845/1 1850/22 1869/6discussing [5] 1643/7 1657/25 1695/6 1766/1 1902/13discussion [12] 1617/15 1652/24 1840/5 1843/22 1844/15 1846/2 1851/17 1852/14 1852/17 1856/10 1913/14 1914/6discussions [3] 1619/22 1843/15 1851/4dismissed [2] 1851/15 1852/9disobeyed [1] 1736/14disputes [2] 1829/6 1829/7disrespectfully [1] 1802/6distinctly [1] 1842/24distraught [1] 1847/15distributed [1] 1689/18DISTRICT [4] 1613/1 1613/1 1613/8 1614/10diversification [1] 1770/23diversified [4] 1634/23 1770/25 1771/19 1814/8divided [2] 1668/21 1668/23dividend [1] 1642/23dividend-paying [1] 1642/23DIVISION [1] 1613/2do [361] doctor [1] 1726/11document [52] 1622/2 1622/3 1622/8 1627/14 1627/23 1628/4 1628/18 1629/24 1632/10 1730/8 1731/13 1738/9 1738/23 1740/14 1748/9 1748/24 1749/9 1749/15 1749/19 1749/22 1749/25 1753/17 1754/17 1754/23 1755/21 1757/5 1757/10 1776/3 1780/1 1780/6 1780/23 1781/2 1781/6 1781/7 1781/11 1786/23 1788/7 1807/1 1808/1 1810/24 1811/2 1811/20 1813/19 1872/15 1872/16 1874/6 1874/10 1875/13 1875/15 1893/3 1911/17 1911/19documents [28] 1622/11 1639/3 1658/19 1751/6 1751/7 1751/14 1752/9 1752/19 1773/18 1779/7 1797/4 1819/8 1819/9 1819/23 1856/13 1856/14 1856/18 1856/22 1856/24 1857/2 1857/5 1859/1 1876/18 1876/18 1876/20 1876/22 1876/23 1884/21does [50] 1618/8 1618/12 1618/16 1633/6 1633/8 1633/24 1633/25 1641/21 1663/11 1663/14 1672/24 1676/12 1683/19 1685/25 1687/3 1687/4 1687/7 1708/24 1731/4 1731/6 1731/10 1731/17 1737/19 1754/10 1760/15 1761/6 1761/8 1774/10 1776/1 1776/6 1776/22 1790/19 1795/16 1796/6 1803/16 1808/4 1811/4 1814/25 1814/25 1818/17 1826/25 1829/5 1852/1 1852/3 1859/25 1866/15 1872/3 1897/20 1897/24 1908/10

doesn't [20] 1654/19 1672/23 1675/5 1685/4 1685/16 1695/17 1742/1 1789/19 1794/1 1804/14 1819/7 1852/6 1861/15 1861/21 1869/9 1898/1 1900/7 1902/10 1905/2 1908/8doing [49] 1626/1 1626/7 1636/8 1637/22 1638/12 1641/1 1641/8 1648/24 1657/7 1666/16 1667/12 1667/18 1681/19 1682/14 1682/17 1682/17 1690/13 1700/8 1700/12 1700/14 1701/1 1708/20 1708/23 1709/14 1714/17 1717/7 1718/1 1728/4 1740/9 1773/1 1821/20 1830/24 1831/16 1862/20 1863/21 1865/9 1866/12 1866/16 1866/19 1866/25 1867/3 1878/2 1881/4 1890/22 1901/19 1901/23 1912/20 1912/24 1913/2dollar [1] 1765/6dollars [5] 1634/15 1655/20 1655/24 1747/18 1765/8Dominion [1] 1732/24don't [150] 1622/10 1624/20 1625/18 1626/10 1626/24 1633/12 1633/13 1633/17 1633/17 1633/19 1638/9 1640/14 1640/14 1643/10 1646/16 1651/18 1652/14 1652/16 1655/1 1655/15 1665/19 1665/21 1667/5 1667/6 1667/14 1667/17 1668/16 1669/7 1672/23 1677/3 1677/3 1678/20 1678/20 1685/3 1685/3 1689/10 1689/14 1691/1 1693/16 1695/16 1697/4 1700/22 1701/1 1702/24 1703/18 1703/20 1704/19 1704/21 1707/14 1710/8 1710/12 1712/8 1713/24 1715/11 1715/23 1719/21 1721/5 1724/18 1726/22 1728/6 1728/11 1729/25 1731/5 1742/10 1742/22 1742/22 1743/5 1743/14 1743/20 1743/22 1743/22 1744/3 1748/22 1750/7 1752/6 1753/11 1754/5 1759/11 1760/10 1770/6 1770/15 1774/2 1774/20 1777/3 1783/6 1788/16 1792/14 1792/16 1792/24 1793/6 1795/15 1796/13 1796/15 1796/17 1798/16 1798/20 1798/23 1799/7 1800/11 1802/6 1805/16 1806/1 1806/4 1809/6 1809/13 1811/12 1813/22 1821/13 1822/16 1822/25 1830/20 1833/23 1841/21 1842/17 1845/7 1847/16 1849/18 1852/17 1852/23 1852/24 1861/17 1862/6 1863/19 1866/23 1867/25 1868/15 1872/1 1882/6 1884/23 1885/1 1885/2 1887/7 1887/17 1898/24 1899/12 1901/17 1905/25 1906/2

1928

Ddon't... [12] 1906/20 1906/21 1909/10 1909/11 1910/6 1910/8 1910/12 1911/25 1912/8 1912/12 1913/3 1913/19done [20] 1627/20 1641/13 1641/14 1641/17 1641/17 1656/19 1656/20 1662/23 1674/16 1702/8 1743/24 1762/10 1765/1 1806/16 1861/3 1882/21 1891/3 1894/24 1897/9 1909/15door [1] 1843/11dotted [1] 1618/15double [24] 1679/8 1679/9 1679/10 1679/13 1691/10 1691/10 1691/13 1691/15 1691/16 1692/12 1692/24 1693/2 1697/7 1697/9 1697/16 1709/18 1715/13 1734/10 1734/13 1734/15 1734/17 1784/21 1835/17 1835/22double-dipping [6] 1709/18 1715/13 1734/10 1734/13 1734/15 1734/17doubt [3] 1702/15 1716/1 1716/3down [48] 1618/11 1618/15 1625/15 1629/2 1629/4 1635/16 1635/17 1636/5 1636/7 1636/22 1637/3 1637/8 1637/17 1637/19 1638/14 1638/20 1648/21 1649/15 1654/20 1655/3 1655/4 1655/10 1657/16 1657/18 1682/8 1682/9 1682/9 1685/7 1690/6 1690/10 1691/1 1708/14 1719/22 1732/5 1738/17 1745/16 1755/22 1759/22 1763/2 1772/12 1801/18 1802/17 1817/20 1836/6 1851/10 1873/1 1887/12 1913/10downhill [1] 1694/2draft [1] 1800/25drafter [1] 1730/22draw [1] 1759/22drawn [1] 1781/18drop [1] 1842/25Drug [2] 1883/8 1883/10due [3] 1813/20 1859/11 1887/23duplicate [1] 1765/7during [18] 1648/5 1654/6 1659/8 1659/10 1659/22 1819/9 1837/11 1841/16 1843/24 1845/25 1855/16 1856/7 1857/2 1874/23 1882/12 1882/14 1884/10 1901/2duties [5] 1886/14 1886/16 1886/17 1887/25 1888/19duty [2] 1821/21 1821/22dynamic [1] 1671/7

Ee-mail [34] 1680/10 1680/11 1680/13 1680/13 1681/11 1684/9 1684/18 1687/1 1687/7 1687/11 1687/18 1687/21

1688/10 1688/17 1691/7 1737/19 1740/7 1741/1 1741/2 1750/23 1752/24 1752/24 1753/1 1753/5 1753/6 1754/8 1754/19 1756/24 1756/25 1757/11 1758/4 1759/25 1760/22 1796/5e-mailed [1] 1745/21e-mailing [1] 1688/15e-mails [18] 1688/14 1691/4 1737/10 1737/14 1737/16 1737/24 1738/3 1738/14 1739/17 1740/22 1740/24 1741/3 1741/7 1741/12 1752/3 1752/9 1754/22 1795/8each [4] 1633/3 1673/14 1745/21 1809/25Eagle [23] 1679/8 1679/9 1679/10 1679/10 1679/11 1679/12 1679/13 1679/13 1679/17 1691/10 1691/11 1691/13 1691/15 1691/16 1692/12 1692/24 1693/2 1697/6 1697/7 1697/9 1697/10 1697/15 1697/16earlier [8] 1654/5 1660/14 1709/25 1720/4 1737/9 1820/7 1842/14 1889/3early [6] 1758/14 1839/23 1865/12 1877/10 1885/6 1903/25earn [2] 1680/7 1706/5earning [1] 1705/5earnings [3] 1679/22 1705/3 1717/7easel [3] 1620/5 1620/6 1620/8easier [3] 1740/20 1765/20 1766/25easiest [1] 1909/20East [5] 1704/5 1704/8 1704/9 1704/11 1704/15Eastern [1] 1825/17easy [1] 1765/22echelons [1] 1725/19economic [3] 1683/13 1868/6 1868/23economies [2] 1636/17 1637/14economy [16] 1683/13 1684/16 1685/1 1685/23 1700/12 1729/11 1846/14 1846/22 1846/22 1847/8 1847/12 1847/12 1847/19 1847/22 1848/2 1848/3education [1] 1668/16educational [1] 1825/15effect [4] 1707/15 1881/12 1884/16 1908/15effective [1] 1826/24Eight [1] 1658/11Eight billion [1] 1658/11Eighties [1] 1865/13Einhorn [1] 1708/25either [9] 1647/6 1704/21 1735/4 1777/3 1782/14 1792/14 1830/18 1879/22 1908/10elaborate [1] 1637/9electronic [1] 1740/2Ellen [2] 1616/13 1864/21Elmo [1] 1617/9else [23] 1625/19 1626/2

1626/10 1646/9 1670/13 1671/6 1674/8 1691/7 1738/1 1747/13 1845/23 1849/2 1854/12 1856/3 1858/9 1862/18 1865/19 1871/1 1896/22 1904/16 1909/18 1910/12 1910/13else's [6] 1655/17 1655/20 1672/24 1673/10 1676/17 1744/13emotion [1] 1679/25emphatic [1] 1650/11empire [1] 1789/17employ [5] 1835/23 1837/3 1870/13 1870/22 1872/10employed [2] 1641/4 1780/6employee [9] 1827/22 1858/5 1859/13 1861/13 1861/16 1861/18 1861/18 1861/22 1862/10employees [3] 1743/8 1820/11 1858/7employer [1] 1858/5employment [4] 1829/23 1835/21 1846/6 1852/4empowered [1] 1829/7encompasses [1] 1897/18end [28] 1616/8 1621/19 1621/25 1622/18 1622/24 1623/12 1623/15 1623/25 1624/12 1624/16 1641/8 1642/1 1642/3 1644/16 1658/9 1714/9 1743/15 1776/8 1832/4 1832/18 1846/1 1847/23 1852/15 1861/1 1878/17 1878/19 1878/24 1900/3end 2007 [5] 1623/12 1623/15 1623/25 1624/12 1624/16end coming [1] 1644/16ended [3] 1714/8 1818/21 1831/16ends [1] 1908/16enforcement [6] 1821/2 1821/3 1821/24 1822/5 1826/24 1883/10enforcing [1] 1821/25engaged [1] 1743/19England [1] 1843/21enough [7] 1677/18 1691/3 1713/25 1726/22 1730/20 1771/10 1796/1ensure [4] 1630/20 1630/21 1837/2 1876/7ensuring [2] 1826/23 1828/22entire [16] 1633/10 1633/16 1634/7 1648/18 1667/8 1726/14 1726/17 1726/19 1727/16 1789/10 1789/13 1789/17 1796/5 1842/16 1878/12 1881/16entirety [1] 1797/4entities [8] 1726/24 1726/25 1828/24 1837/14 1857/22 1858/20 1858/25 1866/7entitled [8] 1776/12 1851/3 1910/24 1911/4 1911/17 1911/18 1911/21 1914/19entity [15] 1643/20 1646/7 1646/8 1828/15 1838/17 1838/19 1838/22 1844/9 1844/14 1845/2 1845/22 1854/20 1854/22 1870/10

1929

Eentity... [1] 1876/1entrance [1] 1843/12equities [6] 1621/16 1640/17 1650/6 1701/8 1701/11 1767/22equity [72] 1621/16 1625/10 1634/22 1635/10 1640/8 1640/10 1640/11 1640/21 1641/2 1641/8 1641/16 1642/15 1643/7 1643/10 1643/20 1648/16 1648/17 1649/4 1649/7 1649/10 1649/11 1650/14 1650/23 1651/10 1651/15 1652/9 1652/18 1654/7 1657/1 1657/3 1657/4 1657/7 1657/8 1657/8 1657/10 1657/12 1657/16 1657/17 1661/7 1670/3 1670/4 1696/18 1696/20 1696/23 1697/24 1698/2 1698/5 1698/5 1698/8 1698/12 1698/12 1698/17 1698/18 1698/22 1698/23 1700/3 1700/8 1701/5 1701/15 1709/24 1710/4 1710/15 1722/12 1766/4 1766/7 1766/10 1766/13 1767/7 1767/11 1768/2 1768/8 1768/25equivalent [3] 1720/24 1721/2 1721/2eradicated [1] 1661/3erection [1] 1858/13especially [1] 1870/11essentially [3] 1755/20 1829/13 1888/21establish [5] 1754/18 1756/2 1779/20 1821/6 1848/12established [2] 1821/4 1826/20establishing [1] 1779/4estate [43] 1625/9 1635/11 1648/15 1648/16 1648/17 1649/4 1649/6 1651/15 1654/7 1654/20 1654/20 1654/21 1654/24 1655/2 1655/4 1655/5 1656/19 1656/20 1656/21 1656/23 1669/4 1669/8 1669/10 1681/6 1700/7 1700/14 1700/15 1700/15 1700/16 1700/17 1700/21 1700/25 1701/3 1701/6 1701/15 1767/9 1767/13 1767/14 1767/17 1767/19 1767/22 1768/2 1769/6et [1] 1857/22et cetera [1] 1857/22Euro [1] 1634/15Europe [6] 1652/1 1652/4 1732/11 1732/16 1732/20 1733/3European [11] 1625/8 1625/11 1626/10 1626/10 1626/12 1626/21 1631/24 1632/14 1653/19 1751/21 1787/8even [17] 1667/20 1690/13 1690/18 1721/25 1723/14 1731/4 1731/5 1733/10 1760/8 1783/6 1835/22 1847/7 1886/23 1897/3 1905/25 1911/20 1911/21

evening [2] 1914/15 1914/16event [2] 1716/15 1739/22events [5] 1704/7 1716/17 1752/6 1820/6 1896/12eventually [9] 1636/22 1651/18 1651/18 1684/1 1741/3 1838/12 1857/1 1900/3 1914/2ever [76] 1619/18 1622/13 1635/12 1638/21 1639/19 1640/23 1641/3 1641/19 1645/1 1645/5 1652/24 1653/2 1653/4 1653/25 1659/6 1686/10 1686/14 1703/21 1704/9 1704/11 1709/19 1718/11 1718/12 1718/15 1718/17 1718/20 1730/13 1730/14 1740/16 1748/20 1749/2 1753/5 1773/16 1773/18 1773/20 1777/21 1778/1 1778/5 1778/9 1778/25 1787/17 1788/4 1788/7 1790/15 1791/9 1791/12 1793/10 1796/14 1798/11 1798/15 1798/17 1798/19 1798/22 1805/12 1805/25 1809/5 1810/21 1811/5 1816/24 1828/2 1828/18 1837/17 1843/15 1848/9 1848/17 1852/11 1855/6 1865/14 1869/23 1870/20 1872/8 1873/20 1877/4 1884/20 1890/3 1895/2every [15] 1622/13 1636/24 1647/1 1650/16 1671/19 1681/9 1727/17 1747/14 1771/8 1771/24 1771/25 1815/1 1910/5 1912/12 1913/4everybody [17] 1627/17 1656/1 1665/1 1665/7 1665/10 1665/14 1672/24 1673/10 1676/17 1704/2 1709/22 1735/12 1744/13 1906/15 1907/6 1907/10 1907/13everybody's [1] 1673/11everyone [3] 1638/6 1655/8 1747/15everything [13] 1616/14 1622/12 1642/3 1654/16 1671/7 1671/8 1719/19 1784/12 1789/3 1798/21 1812/7 1814/25 1902/9evidence [38] 1687/11 1687/16 1738/10 1738/16 1738/21 1738/22 1738/23 1740/15 1750/6 1753/21 1753/23 1766/23 1769/8 1774/12 1775/7 1776/1 1777/24 1786/13 1787/20 1795/19 1797/1 1797/5 1797/8 1813/17 1822/17 1868/4 1868/15 1869/9 1871/8 1871/12 1875/10 1875/10 1887/7 1894/3 1898/7 1900/4 1900/8 1900/8exact [5] 1693/16 1786/18 1845/7 1865/10 1866/14exactly [17] 1667/8 1675/16 1686/2 1688/19 1697/4 1700/12 1766/19 1821/16 1822/1 1830/21 1860/10 1882/7 1886/18 1888/8

1892/25 1900/24 1911/24examination [42] 1617/4 1660/16 1660/22 1701/25 1744/18 1744/21 1746/25 1760/25 1761/22 1764/11 1766/1 1767/25 1773/6 1775/12 1777/10 1785/13 1788/22 1809/8 1814/18 1816/16 1816/22 1824/21 1871/18 1875/16 1876/4 1876/5 1876/6 1876/15 1876/19 1877/2 1877/16 1878/7 1878/12 1878/18 1879/2 1880/5 1880/18 1881/17 1882/12 1882/14 1884/11 1884/25examinations [2] 1877/12 1884/18examine [1] 1752/6examined [2] 1877/4 1877/7examiner [4] 1880/4 1880/6 1884/5 1884/8examiners [5] 1876/16 1878/19 1878/21 1884/10 1884/17example [15] 1640/12 1646/9 1649/13 1655/11 1655/14 1666/18 1667/11 1669/10 1669/22 1704/25 1732/2 1733/7 1747/21 1783/18 1812/17examples [1] 1732/3Excel [4] 1653/17 1653/18 1658/22 1749/19except [3] 1659/13 1771/8 1779/17exception [5] 1751/6 1897/21 1897/25 1904/8 1905/4exchange [4] 1640/15 1643/11 1828/18 1843/24exchanges [1] 1640/15excited [1] 1708/16excluding [1] 1821/22exclusion [1] 1819/21excuse [7] 1626/24 1672/17 1688/15 1783/7 1810/3 1810/25 1811/12excused [1] 1817/4executing [1] 1660/9execution [1] 1629/9executive [5] 1830/6 1876/2 1881/5 1885/5 1886/2executives [1] 1846/5exercise [4] 1832/8 1837/4 1857/21 1884/12exhibit [47] 1620/14 1621/7 1622/14 1624/5 1627/13 1687/11 1687/12 1688/11 1718/24 1718/25 1719/1 1750/4 1750/10 1756/22 1757/22 1757/24 1758/10 1758/16 1759/25 1760/19 1766/20 1766/22 1769/17 1775/23 1775/25 1779/24 1780/10 1781/5 1795/24 1796/8 1796/21 1796/24 1797/9 1797/12 1797/20 1798/6 1800/19 1802/12 1806/20 1806/21 1811/23 1813/16 1814/20 1868/3 1870/25 1875/5 1888/25Exhibit 213 [1] 1759/25exhibited [1] 1841/23

1930

Eexhibits [7] 1736/8 1750/6 1752/14 1795/5 1795/8 1818/9 1818/10exist [2] 1804/14 1816/25existed [1] 1898/17expanding [1] 1900/6expect [1] 1724/18expected [4] 1725/5 1725/7 1725/8 1726/19experience [5] 1703/1 1706/8 1776/2 1786/14 1831/25experienced [1] 1771/4expertise [1] 1704/14explain [26] 1621/13 1628/12 1636/6 1636/11 1645/21 1646/16 1646/18 1648/21 1648/24 1654/12 1657/25 1756/24 1764/7 1829/22 1832/18 1836/22 1839/12 1842/15 1843/22 1844/25 1849/11 1860/10 1881/3 1886/3 1886/10 1891/9explained [10] 1770/4 1831/19 1831/24 1833/11 1835/5 1836/11 1842/5 1860/24 1861/2 1861/3explaining [3] 1637/7 1654/8 1886/6explanation [10] 1656/14 1659/4 1700/9 1832/23 1833/3 1833/5 1833/7 1833/8 1876/15 1883/16expressed [3] 1807/15 1841/7 1842/6extent [5] 1779/12 1818/25 1819/1 1903/1 1911/7extradite [1] 1903/18extradited [2] 1898/4 1903/8extradition [5] 1902/15 1902/19 1902/19 1903/4 1903/16extreme [4] 1726/8 1747/5 1747/10 1747/12extremely [5] 1634/22 1645/18 1658/6 1754/21 1765/22Exxon [12] 1675/5 1675/5 1675/8 1675/13 1784/4 1784/6 1789/6 1790/13 1790/13 1790/15 1790/18 1790/19eye [1] 1843/13

FFA [1] 1763/19FA's [3] 1763/18 1763/20 1798/19face [2] 1852/21 1903/20Facebook [6] 1640/12 1640/17 1649/12 1649/23 1650/8 1650/16facilitate [1] 1868/20fact [49] 1695/24 1700/7 1715/16 1722/24 1723/6 1724/12 1730/22 1734/13 1736/7 1741/23 1753/9 1753/22 1762/7 1768/7 1768/24 1774/15 1775/3 1776/1 1776/3 1776/6 1776/7 1787/23 1789/7 1793/8 1793/13 1793/15 1793/17 1794/3 1794/7 1794/11

1794/18 1794/22 1794/25 1795/2 1804/22 1805/1 1805/5 1814/14 1819/6 1823/6 1824/3 1832/8 1842/23 1844/18 1848/18 1855/11 1874/3 1884/15 1892/21factor [1] 1814/7facts [7] 1769/8 1774/12 1775/7 1777/24 1786/13 1787/20 1792/16factual [2] 1685/22 1822/8failed [1] 1811/12failing [1] 1870/13failure [2] 1870/22 1872/10fair [23] 1623/5 1652/17 1667/6 1667/9 1669/20 1669/21 1677/3 1677/18 1682/3 1682/4 1682/17 1691/3 1702/17 1706/5 1728/12 1730/20 1734/24 1741/16 1747/9 1747/12 1762/3 1763/8 1805/22Fairfield [4] 1645/23 1645/25 1646/15 1646/25fairly [5] 1706/13 1720/10 1720/12 1732/15 1733/21fairness [1] 1821/8fake [1] 1801/3fall [1] 1905/3falls [1] 1655/21false [1] 1814/15familiar [6] 1642/5 1668/18 1706/22 1706/23 1754/18 1754/22familiarize [2] 1882/1 1909/22family [1] 1834/22far [11] 1663/15 1690/18 1690/23 1690/24 1741/23 1751/13 1756/6 1794/18 1875/2 1892/13 1895/14farm [4] 1705/23 1705/24 1706/3 1706/19farmer [1] 1775/16Farsi [1] 1704/12fast [1] 1731/8faster [1] 1914/9Fazel [25] 1613/19 1613/20 1672/4 1738/4 1738/22 1740/13 1747/4 1748/10 1767/13 1772/18 1773/6 1777/10 1781/17 1782/7 1785/5 1785/13 1785/15 1804/12 1804/17 1810/17 1811/19 1812/10 1813/3 1813/4 1913/19FCRR [2] 1614/10 1914/24FDIC [5] 1813/5 1813/8 1815/6 1815/11 1815/14February [3] 1758/18 1818/12 1898/21federal [4] 1815/11 1887/6 1887/6 1887/7fee [2] 1827/21 1827/23feeder [2] 1646/5 1646/7feel [4] 1654/14 1658/6 1686/17 1847/15feeling [2] 1648/9 1718/20fees [4] 1709/9 1709/14 1709/16 1827/24felt [4] 1648/8 1654/15 1692/19 1913/19

fences [1] 1705/25Ferrance [3] 1883/5 1883/6 1883/7few [9] 1635/25 1637/19 1654/8 1654/9 1760/13 1836/21 1882/8 1884/6 1885/8Fifth [3] 1911/1 1911/3 1911/20fighting [1] 1760/17figure [2] 1680/7 1818/21figures [1] 1807/5file [5] 1650/1 1874/6 1893/20 1893/24 1895/20filed [2] 1874/20 1910/16files [29] 1857/8 1858/18 1858/19 1858/22 1858/22 1859/1 1859/9 1859/10 1859/12 1859/15 1859/22 1859/24 1860/3 1860/5 1860/6 1860/7 1860/9 1860/15 1860/16 1860/22 1860/25 1861/5 1864/5 1864/7 1864/9 1864/13 1864/15 1865/3 1865/5Fill [1] 1670/8final [2] 1666/12 1716/4finally [1] 1742/25finance [14] 1704/22 1726/17 1743/3 1827/12 1830/2 1841/4 1842/19 1853/13 1854/13 1868/6 1868/23 1869/25 1889/18 1890/10finances [4] 1670/14 1707/19 1724/11 1724/16financial [36] 1618/1 1618/6 1619/18 1623/5 1668/17 1670/25 1679/16 1701/4 1706/9 1712/14 1717/8 1719/8 1724/10 1727/1 1763/9 1763/11 1763/14 1763/19 1763/20 1763/21 1764/18 1776/3 1802/23 1826/16 1826/18 1826/23 1826/25 1828/8 1828/10 1828/23 1837/1 1837/22 1839/10 1846/5 1858/23 1875/22financially [2] 1876/9 1876/11financials [2] 1639/6 1774/9find [28] 1643/12 1643/13 1643/14 1690/18 1690/24 1695/17 1735/10 1735/15 1740/8 1742/6 1742/17 1742/20 1744/13 1755/8 1756/7 1756/7 1775/4 1795/25 1814/14 1845/3 1845/9 1845/20 1858/24 1867/7 1867/7 1873/19 1887/8 1907/4finding [1] 1753/24findings [1] 1822/8fine [9] 1620/22 1634/2 1774/24 1863/15 1869/13 1887/1 1909/21 1912/5 1914/4fines [1] 1829/7finish [3] 1703/21 1774/3 1774/22finished [4] 1641/24 1703/18 1748/13 1822/3finishing [1] 1703/24fired [3] 1713/21 1713/24 1715/20firm [5] 1614/6 1681/9

1931

Ffirm... [3] 1732/11 1732/20 1733/1firms [1] 1650/14first [61] 1631/2 1632/24 1633/23 1635/14 1636/4 1637/17 1644/5 1648/5 1654/3 1681/24 1684/5 1684/14 1688/9 1688/21 1693/11 1694/4 1712/13 1730/13 1732/18 1737/19 1737/21 1741/1 1743/21 1744/4 1750/17 1750/23 1756/6 1757/5 1757/14 1759/4 1768/12 1768/15 1768/15 1770/22 1779/25 1780/4 1780/22 1800/21 1807/5 1818/1 1825/7 1830/18 1832/8 1833/12 1833/24 1839/21 1840/9 1840/10 1840/22 1843/22 1846/18 1846/19 1847/3 1848/2 1872/16 1878/16 1878/18 1878/24 1881/11 1903/9 1910/21fish [10] 1639/25 1640/1 1640/5 1640/5 1659/14 1728/20 1728/20 1772/2 1772/7 1773/11fit [5] 1652/10 1652/11 1652/13 1767/7 1767/9five [8] 1617/11 1625/3 1637/1 1711/12 1721/18 1772/13 1843/2 1843/2flew [2] 1848/1 1848/3flight [2] 1635/19 1846/12flights [2] 1635/17 1635/17Floor [2] 1613/21 1614/4Florida [1] 1825/25flow [3] 1642/24 1643/2 1657/9flows [1] 1679/20fly [6] 1635/16 1635/23 1846/18 1846/22 1847/25 1848/2flying [5] 1846/14 1846/22 1847/8 1847/19 1847/22focus [13] 1629/15 1630/14 1631/2 1657/11 1767/2 1801/18 1811/2 1812/1 1814/2 1814/6 1814/22 1862/23 1873/6focused [2] 1723/22 1757/15Focusing [1] 1801/14folks [6] 1656/5 1669/22 1715/6 1723/13 1728/2 1733/10follow [4] 1648/22 1708/15 1845/16 1854/16following [2] 1678/21 1879/5food [2] 1684/1 1691/23forecast [1] 1683/13foregoing [1] 1914/19forget [3] 1622/10 1790/13 1872/8forgot [1] 1785/4form [17] 1621/21 1622/4 1632/2 1632/10 1638/17 1659/22 1715/2 1761/18 1762/1 1768/10 1768/19 1769/1 1774/11 1784/18 1786/12 1787/19 1821/18

format [1] 1749/20formed [1] 1629/7former [1] 1873/11formerly [2] 1873/14 1873/16forms [1] 1670/8forth [6] 1668/14 1670/16 1717/7 1736/8 1808/7 1821/18forward [7] 1684/12 1684/20 1708/13 1800/20 1808/22 1852/21 1899/11forwarded [1] 1741/13found [3] 1853/9 1873/20 1893/20foundation [19] 1751/17 1752/4 1752/10 1753/4 1779/4 1779/7 1779/9 1779/17 1779/20 1788/15 1821/4 1821/6 1834/1 1848/12 1862/7 1862/8 1864/25 1875/7 1899/22four [6] 1636/8 1636/23 1637/18 1735/5 1772/13 1815/3fox [1] 1839/1frame [2] 1897/14 1905/7Frank [1] 1877/17fraudulent [20] 1671/13 1673/8 1674/14 1675/21 1680/4 1681/8 1697/19 1698/20 1722/20 1728/22 1732/12 1732/21 1733/4 1768/1 1768/5 1801/3 1804/9 1807/8 1807/23 1815/16Fred [2] 1693/24 1749/17free [1] 1817/5frequent [1] 1619/22Friday [14] 1621/8 1631/25 1653/12 1653/14 1668/5 1676/3 1749/19 1751/3 1751/21 1752/12 1752/20 1861/8 1864/1 1910/11friend [1] 1703/5friends [2] 1702/25 1703/10friendship [1] 1703/6front [13] 1630/4 1688/12 1708/24 1725/25 1738/14 1740/15 1748/10 1748/12 1750/23 1770/15 1795/14 1797/8 1798/8FSRC [55] 1721/21 1818/15 1818/17 1820/3 1820/10 1821/2 1827/3 1827/7 1827/15 1828/4 1828/6 1828/11 1828/11 1828/12 1828/21 1829/23 1836/22 1837/18 1837/20 1837/25 1838/4 1839/17 1839/25 1844/7 1846/6 1853/3 1853/24 1857/8 1858/18 1860/2 1860/18 1866/6 1875/23 1885/5 1887/22 1889/17 1890/3 1890/13 1890/22 1891/5 1891/8 1891/10 1892/18 1892/24 1893/5 1893/7 1893/11 1894/7 1894/15 1894/23 1895/2 1900/17 1900/22 1903/23 1903/25FSRC's [3] 1874/6 1894/24 1895/20fulfillment [2] 1753/21 1753/24full [5] 1681/1 1731/13

1731/21 1827/16 1853/19full-time [1] 1827/16functionary [1] 1899/16functions [1] 1856/3fund [16] 1646/7 1707/8 1707/11 1707/12 1707/20 1707/21 1708/3 1708/4 1708/7 1708/12 1708/16 1708/20 1708/24 1709/5 1715/13 1783/19fundamental [1] 1679/19funded [1] 1652/16funds [17] 1625/9 1626/16 1635/11 1645/23 1646/1 1646/2 1646/5 1646/5 1646/24 1651/16 1654/7 1681/6 1681/6 1765/5 1765/6 1783/17 1799/20funeral [1] 1627/16funny [1] 1671/24further [7] 1667/20 1809/8 1814/17 1814/18 1816/16 1816/22 1843/15furtherance [11] 1897/4 1899/4 1899/5 1899/9 1901/13 1905/5 1905/11 1908/5 1908/8 1908/22 1909/4Furthermore [1] 1771/3future [3] 1753/16 1808/9 1892/13fuzzy [2] 1654/14 1654/16

GGallagher [16] 1848/4 1848/6 1848/7 1848/9 1848/17 1848/24 1848/25 1849/3 1849/5 1849/6 1849/9 1850/12 1850/19 1850/21 1850/23 1850/25Gamble [2] 1642/22 1643/17game [6] 1763/11 1763/15 1799/4 1799/6 1799/7 1799/9games [1] 1799/14gather [1] 1897/17gave [3] 1658/14 1660/7 1913/6GDP [1] 1685/23geared [1] 1654/18general [16] 1638/2 1670/22 1683/12 1689/5 1729/11 1829/21 1846/11 1852/16 1854/8 1854/9 1855/6 1855/10 1855/17 1856/8 1860/24 1894/9generally [15] 1628/5 1640/19 1641/21 1660/24 1690/6 1696/18 1700/2 1707/19 1731/18 1767/12 1786/15 1807/20 1828/24 1840/15 1875/13generating [3] 1635/4 1765/15 1767/5gentleman [2] 1820/9 1830/13gentlemen [5] 1687/25 1735/3 1755/6 1863/11 1908/16get [67] 1616/16 1616/22 1635/16 1636/1 1655/17 1661/10 1661/10 1663/1 1663/25 1674/9 1678/8 1680/6 1680/6 1685/2 1694/8 1695/16 1704/22 1707/2 1716/12 1716/25 1718/20 1718/23

1932

Gget... [45] 1720/7 1734/19 1734/22 1743/16 1753/13 1753/25 1755/7 1755/9 1756/6 1770/21 1771/15 1774/19 1774/24 1776/12 1790/3 1796/14 1798/9 1806/3 1822/15 1823/5 1823/15 1823/17 1824/9 1833/18 1834/4 1834/17 1837/24 1840/17 1851/23 1860/11 1860/12 1879/10 1886/15 1887/17 1889/24 1896/10 1896/19 1899/11 1906/16 1906/23 1908/16 1909/17 1909/23 1910/5 1912/3get-together [1] 1716/12gets [6] 1736/24 1777/6 1820/5 1822/12 1824/12 1824/13getting [12] 1616/24 1623/22 1647/11 1656/13 1708/5 1777/4 1823/1 1823/2 1823/6 1834/18 1835/18 1900/11Giglio [1] 1911/5girl [1] 1702/22give [33] 1649/9 1655/11 1669/22 1691/19 1692/19 1694/20 1704/25 1716/25 1735/10 1736/1 1737/11 1737/14 1742/2 1743/6 1744/3 1755/23 1756/11 1759/3 1762/19 1793/19 1817/16 1822/9 1823/21 1832/23 1833/3 1861/1 1864/8 1876/15 1894/19 1897/16 1906/15 1909/25 1910/11given [14] 1695/24 1754/20 1765/18 1770/23 1771/2 1794/4 1860/25 1868/17 1880/8 1883/16 1888/6 1888/9 1888/18 1888/19gives [1] 1732/2giving [9] 1683/13 1695/15 1709/6 1717/25 1723/19 1743/9 1908/25 1910/10 1911/22glass [1] 1640/3Glen [1] 1735/20global [10] 1618/11 1618/16 1630/24 1631/23 1632/8 1632/13 1632/17 1636/16 1685/23 1777/11globally [2] 1770/25 1771/19go [141] 1616/25 1620/5 1621/5 1622/15 1626/18 1628/1 1633/21 1635/14 1635/18 1636/2 1636/4 1636/13 1637/3 1638/3 1638/4 1643/12 1649/18 1650/4 1650/13 1651/1 1654/21 1656/8 1656/11 1660/8 1660/15 1660/21 1664/7 1670/2 1675/5 1684/1 1685/20 1688/6 1688/24 1689/13 1692/22 1697/24 1698/14 1698/24 1711/7 1718/4 1720/18 1723/12 1728/17 1730/4 1730/18 1737/1 1737/4 1739/13 1739/16 1742/17 1742/20 1744/16 1755/13

1756/19 1760/6 1760/10 1763/1 1763/2 1769/20 1772/2 1774/4 1777/7 1778/19 1779/21 1781/17 1788/2 1788/18 1790/9 1791/23 1795/21 1795/23 1800/12 1800/23 1806/4 1806/4 1806/11 1806/23 1813/23 1814/1 1818/19 1821/15 1824/6 1824/19 1831/22 1833/18 1834/24 1835/15 1836/10 1839/6 1844/21 1849/24 1850/2 1850/7 1852/21 1862/13 1863/13 1863/13 1863/23 1864/23 1865/12 1868/20 1869/15 1870/18 1872/1 1873/1 1876/7 1876/17 1876/19 1878/1 1880/14 1880/15 1881/22 1881/23 1883/2 1883/25 1884/3 1886/7 1887/11 1887/14 1888/15 1892/16 1894/20 1898/20 1898/22 1898/24 1899/12 1901/1 1902/8 1902/10 1902/10 1904/14 1905/13 1906/4 1906/7 1909/1 1911/9 1911/10 1911/11 1912/12 1914/2 1914/7goal [1] 1679/17goals [1] 1630/10God [1] 1671/2goes [11] 1655/10 1683/4 1787/24 1839/23 1851/25 1854/19 1879/13 1898/10 1901/4 1902/8 1908/1going [102] 1616/21 1616/22 1616/23 1618/13 1620/17 1621/2 1622/1 1636/8 1636/12 1641/11 1645/6 1645/16 1649/24 1655/4 1656/8 1657/5 1657/13 1657/16 1657/17 1660/12 1682/3 1684/12 1684/20 1685/23 1686/6 1686/6 1686/21 1687/21 1688/19 1692/19 1694/8 1703/25 1704/8 1714/21 1720/18 1721/5 1725/19 1729/8 1730/18 1731/12 1734/22 1735/15 1736/8 1737/14 1737/25 1738/2 1739/19 1740/19 1741/17 1753/19 1754/14 1754/25 1755/1 1755/14 1755/19 1756/8 1760/9 1763/1 1763/2 1765/4 1765/5 1786/12 1795/9 1798/7 1799/2 1800/12 1800/23 1808/1 1815/24 1819/16 1823/14 1823/20 1828/6 1836/23 1842/14 1846/3 1846/6 1846/8 1847/23 1857/10 1858/17 1863/12 1863/18 1864/20 1867/23 1870/16 1870/23 1871/10 1876/17 1883/15 1890/12 1896/5 1896/19 1896/21 1899/19 1900/12 1901/15 1908/24 1909/25 1911/17 1911/22 1914/5gold [2] 1681/6 1689/4gone [4] 1650/19 1656/21 1657/14 1882/5

good [23] 1616/18 1616/19 1617/6 1617/7 1640/12 1641/23 1648/8 1648/9 1649/13 1651/19 1654/13 1660/18 1660/19 1662/20 1694/1 1703/10 1759/21 1767/1 1799/2 1824/23 1824/24 1908/19 1913/11goods [1] 1804/6got [44] 1617/13 1622/12 1648/3 1660/13 1671/2 1674/6 1674/21 1689/14 1694/1 1694/5 1699/12 1705/22 1708/5 1714/5 1714/8 1715/20 1717/18 1736/15 1751/15 1755/3 1760/2 1774/23 1786/7 1798/21 1822/22 1836/13 1841/12 1846/24 1850/16 1855/9 1864/19 1869/10 1883/25 1884/15 1894/3 1894/19 1896/20 1898/7 1899/1 1899/13 1900/12 1900/15 1906/9 1909/13gotten [3] 1622/13 1747/14 1883/22governed [1] 1881/6governing [1] 1837/8government [53] 1613/12 1616/9 1718/24 1719/1 1719/23 1723/8 1737/8 1738/19 1757/24 1759/24 1760/18 1766/22 1779/24 1780/10 1790/1 1791/12 1792/15 1795/16 1795/22 1795/24 1796/8 1796/16 1796/20 1797/9 1799/3 1804/11 1806/20 1811/1 1814/21 1818/10 1819/1 1819/2 1820/13 1820/17 1822/7 1826/13 1828/16 1828/17 1829/2 1839/16 1846/21 1847/11 1851/3 1854/25 1868/3 1868/24 1871/15 1875/5 1888/25 1909/3 1913/11 1913/12 1914/1government's [16] 1617/3 1627/13 1730/2 1730/4 1793/3 1795/5 1796/24 1797/1 1797/5 1797/12 1797/20 1798/6 1800/19 1813/17 1820/8 1824/20Government's 136 [1] 1813/17governments [1] 1814/9governor [2] 1829/21 1869/17Governor-in-Council [1] 1869/17Grace [3] 1702/21 1702/22 1705/15graduate [1] 1826/1Graham [3] 1803/3 1803/5 1803/6granted [5] 1790/6 1822/10 1912/11 1912/13 1912/15grasp [2] 1704/22 1712/12Great [1] 1670/8Green [4] 1618/1 1619/19 1763/23 1764/19Gregg [1] 1613/13ground [3] 1691/23 1692/1 1840/22grounds [4] 1755/24 1760/3

1933

Ggrounds... [2] 1803/20 1869/20groundwork [1] 1866/15group [22] 1618/2 1618/7 1618/17 1626/10 1630/24 1631/23 1631/23 1632/7 1633/6 1633/24 1658/2 1689/13 1689/14 1689/14 1693/24 1696/15 1696/17 1697/21 1716/2 1780/17 1780/19 1780/24grouping [2] 1841/4 1841/5guarantee [2] 1808/6 1808/9guarantees [1] 1808/11Guardian [10] 1865/18 1865/19 1865/24 1866/19 1866/25 1867/3 1869/19 1869/24 1870/21 1873/14guess [9] 1663/16 1665/9 1709/8 1709/18 1734/13 1793/5 1797/25 1887/5 1913/3Guide [1] 1687/18guy [5] 1670/25 1679/16 1719/8 1724/10 1803/10guys [1] 1693/23

HH-09-CR-342-1 [1] 1613/3had [176] 1625/19 1626/6 1631/14 1631/18 1631/19 1635/10 1637/13 1638/1 1639/13 1642/21 1644/8 1644/17 1644/20 1644/20 1644/21 1647/24 1647/25 1648/4 1648/6 1648/7 1648/14 1648/14 1649/3 1649/6 1652/24 1653/2 1653/4 1653/25 1654/15 1654/17 1656/10 1656/19 1656/20 1656/21 1656/21 1656/22 1657/12 1657/14 1658/2 1660/22 1667/7 1677/6 1677/12 1677/22 1681/10 1684/8 1689/3 1694/23 1699/25 1704/9 1705/7 1705/8 1708/6 1709/2 1710/5 1711/3 1711/3 1712/8 1715/20 1716/4 1717/19 1718/4 1718/7 1721/18 1722/2 1722/15 1723/2 1727/21 1727/22 1728/1 1742/20 1744/22 1752/12 1756/1 1761/4 1761/15 1762/6 1762/11 1762/18 1764/12 1776/2 1781/18 1783/19 1784/5 1787/17 1788/4 1788/12 1794/4 1801/7 1805/6 1811/19 1812/7 1812/21 1813/8 1814/21 1828/9 1831/25 1832/23 1835/2 1835/3 1836/21 1837/17 1841/13 1841/14 1841/15 1841/19 1842/6 1842/6 1842/12 1843/4 1847/5 1847/7 1847/11 1848/18 1849/6 1850/17 1850/19 1850/22 1850/24 1851/5 1851/17 1853/19 1856/3 1856/3 1857/12 1860/5 1860/16 1860/25 1861/3 1861/4 1862/21 1862/24

1866/14 1869/24 1870/21 1872/9 1872/23 1873/14 1873/16 1877/4 1878/16 1878/18 1880/9 1882/5 1882/7 1882/21 1884/1 1884/5 1886/1 1886/21 1887/22 1887/25 1887/25 1888/3 1888/6 1888/6 1888/18 1888/19 1889/21 1890/15 1891/8 1892/18 1892/21 1892/21 1892/23 1893/5 1893/7 1893/19 1894/24 1895/13 1896/13 1903/7 1904/2 1906/19 1907/23 1912/20hadn't [3] 1650/19 1771/24 1899/21Haley [7] 1703/7 1703/9 1704/4 1704/9 1705/13 1714/22 1715/5Haley's [3] 1703/17 1703/19 1704/17half [7] 1625/3 1630/15 1660/14 1690/10 1797/2 1797/18 1913/23hallway [1] 1640/3hammer [1] 1802/16hammered [1] 1909/24hand [9] 1697/24 1697/24 1715/10 1731/13 1735/25 1769/22 1817/14 1843/12 1913/10handed [2] 1622/11 1662/22handing [4] 1627/12 1779/23 1810/24 1875/4handling [1] 1728/8hands [2] 1667/7 1853/1hands-on [1] 1853/1Hang [2] 1759/12 1864/17happen [1] 1692/9happened [25] 1631/14 1682/5 1685/19 1693/19 1694/20 1694/21 1695/1 1714/3 1788/8 1796/12 1838/10 1840/6 1841/10 1846/23 1849/11 1850/9 1850/15 1853/8 1859/9 1860/9 1860/10 1860/22 1864/1 1864/7 1892/19happening [4] 1644/2 1656/17 1656/23 1657/15happy [6] 1751/16 1752/5 1841/18 1841/22 1842/5 1887/2hard [4] 1691/18 1708/22 1756/22 1766/25has [55] 1627/12 1627/16 1627/24 1632/25 1650/1 1670/10 1675/6 1681/9 1685/10 1704/2 1719/19 1719/20 1724/24 1740/16 1751/25 1755/3 1771/3 1771/5 1771/8 1771/24 1779/23 1789/18 1791/12 1808/15 1817/22 1828/4 1828/6 1828/9 1833/23 1835/21 1839/4 1847/20 1852/6 1866/3 1868/16 1869/14 1875/4 1875/16 1876/12 1883/12 1888/24 1893/21 1896/7 1898/1 1898/4 1899/4 1901/2 1903/13 1903/15 1908/8 1909/4 1909/7 1909/14 1912/8 1912/15

has no [1] 1627/24hasn't [2] 1898/12 1903/14hate [1] 1799/16have [242] 1619/21 1619/22 1620/21 1623/1 1624/23 1627/9 1630/4 1631/7 1631/11 1631/14 1631/16 1635/12 1635/18 1638/12 1639/8 1639/21 1640/23 1640/24 1641/19 1641/20 1641/22 1641/23 1643/11 1643/12 1648/25 1651/18 1655/24 1659/2 1659/6 1662/4 1665/13 1666/24 1668/16 1671/15 1671/25 1675/5 1678/14 1682/12 1684/9 1684/15 1684/18 1684/25 1687/11 1700/22 1701/1 1701/2 1703/1 1704/14 1704/19 1704/21 1704/22 1704/24 1705/14 1706/8 1708/7 1708/8 1708/9 1709/8 1710/6 1710/12 1712/17 1712/18 1712/20 1713/9 1714/3 1719/14 1720/1 1721/5 1721/14 1723/3 1724/18 1725/25 1725/25 1726/1 1726/6 1726/14 1726/22 1728/10 1728/16 1730/2 1733/13 1734/8 1734/25 1735/4 1736/12 1736/14 1736/21 1738/13 1738/14 1739/4 1739/5 1739/6 1739/16 1740/22 1741/7 1742/23 1746/21 1747/12 1747/13 1747/18 1747/23 1748/9 1750/14 1753/5 1755/9 1756/16 1757/19 1757/20 1758/7 1761/16 1765/4 1765/8 1765/15 1765/20 1765/22 1767/14 1770/15 1773/20 1776/2 1776/10 1777/5 1777/12 1782/24 1783/3 1784/1 1784/21 1786/1 1786/17 1786/23 1787/8 1787/9 1788/14 1788/16 1789/19 1790/3 1791/3 1791/9 1793/2 1793/3 1793/22 1793/23 1793/25 1795/14 1795/16 1798/7 1801/14 1802/10 1803/16 1804/22 1806/2 1807/19 1811/13 1813/5 1814/12 1815/6 1815/14 1816/3 1816/18 1816/24 1816/24 1817/19 1820/12 1821/20 1822/16 1822/23 1822/24 1826/3 1828/18 1828/20 1829/14 1835/8 1835/9 1835/10 1836/3 1836/19 1837/1 1837/20 1837/25 1838/3 1838/14 1838/23 1840/2 1840/9 1840/24 1843/15 1848/9 1849/21 1851/11 1851/16 1851/20 1852/1 1857/24 1858/2 1859/3 1859/19 1862/8 1868/19 1868/20 1870/3 1870/7 1872/12 1872/14 1872/15 1872/22 1873/20 1873/24 1874/4 1874/9 1874/15 1874/24 1877/10 1877/20 1883/22 1887/2 1887/15 1894/17 1896/5

1934

Hhave... [25] 1896/16 1897/20 1897/24 1898/12 1898/17 1900/1 1900/2 1901/4 1905/2 1906/2 1906/6 1907/4 1907/15 1907/15 1910/4 1910/7 1910/14 1910/15 1910/20 1910/23 1911/8 1913/3 1913/4 1914/1 1914/4have no [1] 1746/21haven't [4] 1811/1 1899/14 1904/6 1910/7having [19] 1626/22 1637/2 1642/4 1648/16 1668/5 1671/13 1674/23 1674/24 1696/20 1710/15 1714/7 1715/13 1722/5 1722/8 1722/19 1807/8 1838/3 1843/20 1873/11he [302] 1627/16 1627/17 1627/18 1631/11 1660/4 1660/6 1660/7 1660/7 1660/8 1662/4 1662/23 1662/23 1663/11 1664/24 1665/16 1665/18 1665/22 1681/21 1681/23 1681/23 1682/5 1682/16 1682/17 1683/23 1684/4 1684/4 1693/1 1695/17 1696/11 1703/18 1703/21 1703/21 1704/5 1704/7 1704/11 1704/14 1704/19 1704/22 1704/23 1704/23 1705/1 1705/1 1705/2 1705/7 1705/9 1705/21 1705/22 1705/22 1705/22 1705/24 1705/25 1706/1 1706/8 1706/13 1706/13 1706/14 1706/14 1706/16 1706/18 1706/18 1706/19 1707/21 1707/21 1707/23 1707/24 1708/1 1708/2 1708/4 1708/4 1708/5 1708/6 1708/14 1708/20 1708/21 1708/21 1708/22 1708/23 1709/1 1709/3 1709/8 1709/14 1709/16 1711/23 1712/2 1712/4 1712/8 1712/11 1712/11 1712/11 1712/13 1712/14 1712/14 1712/15 1712/15 1712/15 1712/17 1713/9 1713/21 1713/22 1713/24 1714/5 1714/8 1714/18 1714/22 1715/24 1716/4 1717/25 1718/12 1718/15 1718/17 1724/24 1724/24 1725/4 1725/22 1726/25 1727/6 1738/24 1741/20 1742/1 1742/1 1743/2 1743/6 1743/8 1743/12 1744/9 1744/10 1748/1 1750/11 1752/8 1752/8 1754/16 1754/22 1760/15 1761/13 1761/16 1763/25 1772/11 1773/7 1774/10 1775/16 1777/21 1778/1 1782/10 1782/13 1783/3 1789/3 1789/19 1789/21 1790/9 1790/15 1794/15 1794/18 1794/19 1799/19 1799/25 1800/3 1803/15 1803/16 1803/18 1811/11 1811/12

1812/14 1813/23 1813/24 1813/25 1820/8 1831/1 1831/5 1831/11 1831/19 1831/20 1831/24 1831/24 1831/25 1832/1 1832/23 1832/24 1832/24 1833/3 1833/11 1833/21 1834/2 1834/4 1834/5 1834/6 1834/8 1834/13 1835/2 1835/2 1835/3 1835/4 1835/4 1835/5 1835/7 1836/11 1838/13 1838/15 1840/19 1841/23 1841/23 1841/25 1842/1 1842/4 1842/4 1842/4 1842/5 1842/5 1842/6 1842/22 1842/23 1843/10 1843/12 1843/12 1843/12 1843/13 1843/23 1844/18 1845/2 1845/3 1845/5 1845/6 1845/9 1845/12 1846/10 1846/11 1846/11 1846/16 1846/17 1846/18 1846/24 1849/2 1850/16 1850/22 1851/10 1852/11 1852/23 1853/19 1854/1 1854/3 1856/18 1856/20 1858/2 1858/5 1858/7 1858/8 1858/11 1858/12 1858/13 1858/15 1858/15 1858/16 1859/7 1859/8 1860/24 1860/25 1861/1 1861/6 1861/10 1861/10 1861/22 1861/23 1862/16 1862/16 1862/16 1862/18 1862/19 1869/12 1869/12 1871/10 1880/19 1883/25 1884/1 1886/25 1887/8 1887/10 1887/11 1889/16 1889/18 1891/21 1891/25 1892/20 1892/22 1895/8 1895/10 1895/12 1895/13 1895/13 1895/17 1898/7 1898/10 1900/4 1901/20 1901/20 1903/6 1903/25 1904/1 1904/2 1904/3 1904/4 1904/13 1904/13 1905/19he'll [1] 1627/18he's [29] 1622/2 1708/2 1712/23 1719/15 1724/19 1724/24 1735/20 1736/7 1750/7 1750/11 1754/22 1758/18 1759/2 1774/10 1774/11 1797/3 1822/20 1823/15 1851/22 1853/1 1861/16 1861/17 1861/18 1861/19 1861/19 1895/25 1896/3 1901/19 1901/23head [2] 1717/20 1718/1hear [10] 1639/12 1694/23 1695/15 1695/19 1695/20 1821/12 1842/25 1851/4 1855/6 1855/17heard [18] 1625/23 1640/23 1641/19 1645/17 1664/6 1664/14 1699/25 1711/8 1711/13 1812/7 1828/18 1831/9 1835/15 1899/10 1899/14 1903/13 1904/6 1909/4hearing [2] 1833/24 1903/9hears [1] 1829/6hearsay [41] 1695/2 1695/9 1696/1 1750/9 1750/25 1751/7 1752/25 1754/7 1758/24

1777/23 1778/11 1779/7 1819/1 1820/10 1820/10 1824/3 1831/7 1831/14 1833/1 1833/9 1834/19 1835/17 1835/22 1851/22 1861/11 1861/24 1867/6 1879/9 1879/10 1880/11 1883/12 1893/12 1895/15 1896/22 1897/25 1899/7 1899/17 1901/20 1901/21 1904/8 1904/17hedge [24] 1625/9 1626/16 1635/11 1646/1 1646/2 1646/5 1651/16 1654/7 1681/6 1707/8 1707/11 1707/12 1707/20 1707/21 1708/2 1708/4 1708/7 1708/12 1708/15 1708/20 1708/24 1709/5 1715/13 1765/6held [12] 1672/14 1716/7 1716/11 1716/19 1716/21 1729/20 1779/1 1810/21 1811/6 1811/17 1843/12 1849/22help [12] 1687/3 1721/5 1724/13 1793/18 1831/6 1831/12 1831/22 1832/24 1832/25 1835/2 1835/3 1887/2helpful [1] 1765/14helping [1] 1736/8hen [1] 1839/1her [45] 1658/6 1661/20 1684/11 1706/22 1706/23 1707/2 1707/6 1707/6 1707/10 1708/2 1709/12 1710/23 1711/7 1711/16 1711/18 1715/14 1717/13 1734/14 1736/14 1818/1 1819/17 1824/9 1835/19 1847/11 1847/14 1847/15 1862/12 1866/16 1868/17 1869/15 1870/16 1872/2 1874/14 1884/1 1893/15 1893/18 1893/19 1893/23 1894/4 1901/11 1902/23 1903/1 1910/11 1911/8 1911/22Herald [1] 1841/14here [55] 1616/9 1616/11 1616/22 1627/7 1627/9 1627/16 1652/10 1652/13 1652/21 1657/20 1658/17 1666/15 1667/20 1674/6 1683/19 1687/24 1688/19 1711/6 1719/18 1720/20 1729/4 1735/18 1736/9 1753/19 1753/20 1757/25 1758/12 1760/13 1781/22 1783/8 1790/13 1798/10 1801/12 1807/11 1811/2 1823/4 1823/6 1838/16 1861/19 1866/1 1893/1 1895/22 1901/8 1902/9 1902/13 1903/18 1907/8 1907/11 1907/12 1907/12 1907/19 1907/24 1908/6 1911/7 1914/1here's [5] 1670/9 1670/9 1729/13 1729/14 1822/15herein [4] 1807/15 1808/2 1808/4 1808/7Hewlett [19] 1831/1 1831/5 1831/11 1831/17 1831/19

1935

HHewlett... [14] 1832/4 1832/19 1832/22 1832/23 1833/12 1833/13 1833/16 1835/1 1835/10 1835/18 1835/19 1836/2 1836/11 1836/16Hey [4] 1682/2 1729/4 1743/8 1765/14hi [1] 1772/17hierarchy [2] 1662/5 1668/1high [13] 1642/23 1643/2 1682/13 1703/19 1703/20 1703/21 1703/24 1742/2 1742/4 1742/7 1815/3 1819/20 1848/8higher [10] 1682/13 1698/17 1721/18 1721/25 1722/1 1722/6 1722/8 1722/11 1722/14 1805/9highest [2] 1814/6 1814/23highlight [5] 1630/5 1719/6 1731/2 1749/5 1807/2highlighted [3] 1690/19 1814/21 1875/21highly [3] 1770/24 1814/9 1819/23him [72] 1624/21 1664/24 1665/1 1665/7 1665/7 1686/6 1692/18 1693/6 1702/13 1703/7 1707/16 1708/8 1708/14 1709/3 1709/7 1709/10 1713/17 1713/25 1713/25 1714/3 1714/7 1714/9 1727/9 1735/11 1735/21 1736/9 1739/1 1740/14 1740/15 1743/14 1752/12 1754/16 1755/1 1755/10 1758/18 1758/22 1774/11 1789/21 1800/12 1830/10 1830/12 1831/2 1832/1 1833/6 1836/3 1840/24 1842/2 1842/7 1842/20 1843/17 1843/25 1845/11 1845/19 1845/20 1846/1 1846/13 1846/14 1846/21 1850/18 1850/19 1850/20 1851/5 1851/6 1852/16 1852/18 1852/24 1861/3 1896/20 1899/15 1901/5 1903/8 1903/18himself [1] 1820/9hired [25] 1661/16 1702/22 1703/4 1705/9 1705/13 1705/15 1705/17 1706/1 1706/16 1706/18 1709/19 1709/22 1710/20 1711/3 1711/18 1711/23 1712/4 1712/14 1713/9 1713/17 1715/9 1715/17 1715/19 1776/2 1776/22hiring [5] 1701/22 1702/8 1702/18 1714/21 1775/11his [47] 1660/7 1663/2 1664/4 1665/22 1682/13 1689/14 1692/16 1693/2 1695/17 1707/18 1707/19 1708/20 1710/3 1714/21 1717/20 1718/1 1718/9 1738/15 1738/25 1743/8 1744/13 1764/1 1778/7 1789/21 1799/17 1800/9 1822/17

1822/17 1833/8 1834/7 1835/8 1840/23 1840/23 1841/23 1845/7 1846/15 1846/24 1847/1 1850/4 1851/9 1852/12 1853/1 1897/4 1899/12 1899/15 1905/13 1905/16historical [2] 1809/17 1809/18history [6] 1866/7 1867/10 1867/13 1867/16 1870/10 1888/18hitting [1] 1907/10HITTNER [1] 1613/8hold [24] 1635/4 1712/22 1738/12 1739/9 1750/13 1767/5 1768/9 1768/11 1774/18 1777/3 1787/23 1825/16 1826/5 1826/12 1829/1 1834/11 1836/12 1844/19 1902/6 1903/17 1905/25 1905/25 1906/11 1909/8holdings [7] 1640/23 1640/25 1641/4 1642/6 1652/9 1652/18 1701/5Holt [95] 1619/16 1620/2 1625/16 1627/4 1631/21 1644/13 1647/20 1647/21 1648/5 1648/7 1648/23 1651/1 1652/6 1652/24 1653/24 1654/3 1654/24 1656/15 1657/1 1657/12 1657/24 1658/16 1659/16 1661/18 1662/2 1666/8 1680/10 1680/14 1680/14 1680/19 1681/11 1681/18 1682/1 1682/6 1683/15 1683/16 1684/17 1686/23 1688/15 1688/16 1690/12 1690/23 1693/4 1695/15 1701/23 1702/9 1702/16 1705/19 1706/17 1706/23 1706/25 1708/1 1709/6 1709/22 1710/21 1711/19 1711/23 1712/1 1712/4 1714/9 1714/17 1715/12 1715/20 1717/10 1717/15 1718/8 1724/2 1734/10 1737/10 1737/16 1740/3 1741/3 1741/14 1742/13 1743/13 1743/19 1743/20 1744/2 1744/22 1746/2 1746/2 1746/5 1746/8 1746/23 1762/5 1763/13 1775/11 1776/1 1793/17 1794/20 1794/22 1794/25 1811/9 1811/14 1811/17Holt's [2] 1700/9 1707/8home [7] 1669/23 1838/24 1849/22 1849/24 1850/2 1856/12 1857/6honest [1] 1686/5Honor [179] 1617/2 1617/8 1617/11 1617/16 1620/7 1620/19 1621/4 1621/20 1622/6 1624/4 1624/8 1626/19 1627/8 1627/22 1632/1 1632/9 1639/11 1649/2 1651/4 1651/19 1660/11 1662/10 1662/15 1678/14 1687/10 1687/14 1692/15 1692/21 1695/2 1695/9 1699/11 1699/14 1712/24 1713/12

1714/23 1718/23 1719/4 1719/17 1725/3 1727/4 1730/3 1730/7 1730/9 1732/6 1735/20 1736/7 1736/16 1738/3 1739/14 1740/12 1744/15 1744/17 1748/4 1750/5 1750/22 1751/8 1751/12 1751/20 1752/15 1752/23 1753/3 1753/15 1754/5 1754/17 1755/4 1755/17 1755/25 1756/10 1756/18 1758/24 1759/5 1759/9 1759/11 1760/5 1760/7 1768/21 1769/9 1769/21 1774/5 1774/22 1776/10 1777/8 1778/18 1779/3 1779/6 1779/11 1779/20 1780/9 1780/11 1780/18 1784/9 1784/19 1784/22 1788/19 1788/20 1789/18 1790/4 1790/7 1797/3 1797/14 1799/22 1800/6 1800/10 1800/13 1803/13 1803/20 1806/2 1806/12 1813/20 1813/24 1814/17 1816/21 1817/10 1817/22 1818/3 1819/6 1819/18 1820/22 1821/1 1822/1 1823/12 1823/23 1824/8 1824/16 1824/18 1830/15 1831/15 1833/20 1833/22 1834/15 1835/20 1836/15 1849/14 1851/24 1861/14 1862/10 1863/24 1866/13 1869/8 1870/17 1872/5 1873/3 1873/8 1875/6 1879/12 1879/20 1879/24 1880/13 1886/6 1886/16 1886/23 1887/15 1889/7 1890/25 1894/5 1896/2 1896/18 1896/23 1897/19 1899/3 1899/21 1900/5 1900/14 1901/9 1901/11 1901/25 1902/2 1904/19 1905/2 1905/5 1905/9 1905/18 1906/6 1906/12 1907/9 1907/21 1912/25 1913/21 1913/25HONORABLE [1] 1613/8hope [1] 1662/17hoping [1] 1686/5hour [5] 1634/14 1660/13 1913/13 1913/22 1913/23hours [6] 1638/4 1708/25 1806/5 1844/6 1913/12 1913/18house [8] 1670/3 1670/4 1689/7 1689/9 1689/12 1715/24 1785/23 1839/1HOUSTON [12] 1613/2 1613/4 1613/14 1613/22 1614/5 1614/7 1614/11 1689/13 1736/9 1745/9 1746/13 1813/4how [160] 1619/4 1619/7 1619/9 1619/24 1620/21 1628/13 1632/21 1633/6 1633/9 1633/13 1633/16 1635/16 1636/18 1636/25 1637/5 1637/19 1645/20 1646/23 1648/4 1648/19 1649/1 1651/5 1653/4 1654/9 1654/19 1654/21 1655/4 1656/15 1657/6 1660/1

1936

Hhow... [130] 1660/18 1661/2 1662/23 1663/5 1667/8 1673/23 1680/7 1681/18 1682/14 1682/16 1682/17 1686/17 1691/25 1693/4 1693/7 1693/9 1694/14 1697/17 1700/12 1700/21 1702/11 1702/23 1703/11 1704/22 1705/21 1707/15 1711/12 1717/7 1717/14 1719/8 1719/9 1723/21 1724/9 1729/7 1736/22 1737/3 1737/16 1744/25 1745/2 1745/5 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1745/21 1745/23 1746/2 1746/5 1746/8 1746/11 1746/13 1747/17 1747/19 1747/21 1747/24 1748/1 1748/5 1751/21 1753/25 1755/9 1761/2 1762/13 1762/22 1762/22 1764/7 1777/4 1777/6 1785/18 1789/6 1793/8 1793/10 1793/22 1796/11 1798/1 1799/10 1799/17 1802/3 1804/6 1805/14 1809/1 1809/10 1809/13 1812/14 1815/24 1818/21 1819/25 1822/14 1825/5 1825/9 1827/23 1827/25 1828/4 1829/14 1833/18 1834/4 1834/17 1834/19 1835/2 1841/22 1843/1 1844/3 1845/4 1846/17 1851/23 1852/11 1852/20 1855/8 1858/4 1863/21 1867/7 1872/2 1876/15 1879/10 1882/3 1882/8 1882/9 1882/11 1884/25 1885/2 1886/10 1891/16 1896/10 1896/24 1898/22 1898/24 1906/11 1907/11 1911/25How's [1] 1873/8Howard [1] 1613/16however [6] 1755/1 1770/23 1807/20 1821/23 1839/5 1869/9HSBC [1] 1733/2huh [22] 1659/12 1661/9 1662/25 1663/23 1664/11 1664/15 1665/8 1665/11 1666/19 1667/19 1668/8 1669/24 1677/2 1679/7 1713/19 1724/1 1740/4 1747/3 1808/23 1814/24 1840/1 1858/16human [1] 1679/25hundred [18] 1625/13 1655/15 1655/16 1655/17 1655/18 1655/19 1655/20 1655/20 1655/22 1655/24 1663/2 1663/11 1694/16 1696/11 1703/23 1802/5 1862/20 1863/1hundreds [1] 1789/14hung [1] 1703/12hurdle [1] 1756/6husband [5] 1707/10 1709/12 1715/14 1734/14 1734/21husband's [2] 1707/6 1707/6

hypothetical [4] 1810/5 1810/10 1810/14 1810/16

II -- no [1] 1633/13I'd [2] 1687/1 1812/1I'll [40] 1616/4 1616/23 1620/21 1622/6 1624/10 1624/23 1708/25 1711/15 1716/13 1727/10 1735/18 1739/20 1749/1 1765/16 1774/21 1774/25 1777/3 1778/20 1779/3 1789/21 1790/7 1811/5 1821/4 1823/20 1824/13 1824/15 1828/11 1846/22 1847/19 1852/7 1862/12 1875/7 1880/13 1880/14 1886/23 1887/12 1894/19 1902/23 1909/1 1909/21I'm [145] 1616/21 1620/13 1620/25 1620/25 1621/20 1622/1 1624/4 1625/6 1625/13 1626/12 1627/12 1632/1 1632/9 1633/2 1645/24 1649/6 1651/3 1654/6 1656/8 1657/11 1660/19 1662/12 1667/21 1668/17 1668/20 1670/1 1670/7 1678/21 1678/24 1679/2 1679/4 1679/15 1681/13 1684/11 1684/20 1685/24 1692/19 1694/8 1699/11 1703/23 1707/7 1711/22 1712/22 1713/1 1719/4 1719/8 1719/22 1720/18 1721/5 1723/8 1724/22 1730/19 1732/6 1737/14 1738/7 1738/15 1739/19 1745/2 1749/1 1750/5 1751/16 1753/19 1754/1 1754/2 1754/3 1754/25 1755/1 1755/13 1755/14 1755/22 1757/14 1759/24 1761/21 1763/21 1766/22 1767/1 1770/15 1774/1 1775/25 1776/10 1776/14 1778/7 1778/20 1779/23 1779/25 1780/14 1781/18 1784/9 1786/12 1796/2 1797/22 1799/25 1800/12 1803/2 1810/24 1813/16 1818/22 1821/9 1821/12 1822/3 1822/22 1823/8 1823/8 1823/14 1823/15 1823/23 1825/10 1825/12 1825/17 1826/10 1832/11 1833/24 1835/7 1835/12 1840/1 1840/8 1842/18 1844/3 1845/12 1862/23 1863/15 1865/10 1870/23 1875/4 1881/3 1884/12 1887/2 1888/24 1892/23 1893/25 1896/11 1900/10 1900/11 1900/12 1901/15 1901/23 1905/1 1906/5 1907/9 1908/24 1909/25 1912/2 1913/1 1914/4 1914/11I've [7] 1622/12 1622/13 1737/14 1822/23 1904/9 1906/1 1906/9idea [7] 1637/2 1673/3 1674/6 1746/21 1793/2 1793/25

1805/19identification [4] 1751/11 1779/24 1830/15 1875/5identified [6] 1624/6 1626/21 1631/25 1719/19 1719/20 1778/12identify [5] 1778/9 1778/25 1811/12 1811/16 1830/12if [241] 1620/7 1620/13 1620/17 1623/4 1624/1 1624/19 1624/23 1627/18 1627/22 1628/17 1628/20 1629/15 1630/5 1630/13 1631/14 1632/19 1633/17 1633/21 1634/9 1636/14 1637/10 1637/13 1638/3 1643/11 1648/21 1648/23 1649/15 1650/13 1650/23 1663/24 1668/17 1668/20 1671/4 1674/9 1675/5 1677/3 1678/8 1678/20 1679/16 1680/22 1683/4 1687/20 1687/20 1687/22 1688/11 1689/10 1692/16 1692/19 1695/8 1696/1 1696/11 1696/25 1701/13 1702/4 1702/23 1702/24 1704/25 1705/2 1706/8 1707/12 1707/13 1710/18 1712/23 1713/12 1713/24 1714/25 1718/23 1719/5 1719/13 1719/21 1720/7 1720/18 1721/25 1727/8 1727/15 1728/23 1729/7 1729/9 1729/22 1730/4 1732/1 1735/2 1735/15 1735/18 1736/23 1736/24 1738/23 1738/25 1739/10 1739/19 1742/6 1742/22 1743/22 1743/23 1744/21 1748/1 1748/12 1748/16 1748/23 1748/24 1750/5 1750/6 1750/7 1750/8 1752/5 1752/9 1754/16 1754/22 1756/11 1759/19 1760/18 1760/21 1761/1 1761/15 1762/19 1762/21 1762/23 1763/3 1765/14 1766/24 1766/25 1768/5 1769/16 1769/22 1770/11 1770/14 1770/17 1770/21 1771/11 1771/12 1771/15 1771/16 1771/21 1771/24 1772/24 1773/6 1774/15 1774/23 1774/24 1774/24 1775/3 1777/14 1778/16 1779/3 1779/7 1779/17 1779/24 1781/4 1781/11 1781/17 1783/9 1783/18 1784/11 1786/9 1787/12 1787/16 1788/8 1788/12 1789/21 1796/5 1800/19 1803/24 1804/6 1804/6 1805/14 1807/2 1809/1 1809/4 1811/2 1811/3 1812/10 1812/14 1812/18 1812/21 1813/1 1813/3 1813/18 1814/11 1814/14 1816/5 1817/5 1818/24 1821/6 1821/19 1822/24 1822/25 1823/1 1823/17 1824/2 1824/9 1827/2 1828/11 1828/12 1829/22 1830/20 1835/14

1937

Iif... [45] 1836/13 1838/12 1838/16 1838/20 1848/12 1852/6 1852/6 1854/11 1856/12 1862/23 1864/16 1866/3 1866/15 1867/23 1869/12 1872/23 1875/6 1875/7 1886/23 1887/20 1889/7 1893/1 1893/3 1896/19 1897/15 1899/1 1899/3 1899/12 1901/1 1901/16 1901/23 1906/3 1906/10 1907/7 1909/5 1909/8 1909/19 1909/24 1911/17 1912/4 1912/5 1912/7 1912/20 1913/3 1914/3ignore [1] 1800/11ignored [1] 1631/16II [92] 1618/20 1618/25 1619/5 1619/9 1619/20 1619/25 1622/22 1623/7 1623/8 1623/10 1623/12 1623/15 1623/25 1624/11 1625/21 1626/13 1626/14 1626/22 1631/7 1631/11 1632/18 1633/7 1633/16 1633/20 1634/8 1634/20 1634/21 1634/24 1634/25 1642/12 1642/21 1644/3 1644/11 1644/12 1644/22 1644/23 1645/2 1651/24 1653/7 1653/21 1658/23 1667/4 1667/13 1667/16 1671/14 1697/8 1697/9 1710/7 1720/5 1720/10 1720/24 1722/19 1723/22 1728/8 1729/9 1734/1 1747/1 1748/21 1749/2 1749/12 1749/16 1749/24 1751/3 1752/1 1756/3 1757/6 1757/21 1758/13 1758/19 1761/2 1761/7 1773/13 1774/17 1775/5 1775/22 1776/4 1776/9 1776/24 1777/17 1782/6 1782/17 1783/24 1784/16 1784/25 1802/13 1804/23 1809/10 1810/3 1810/4 1810/7 1816/2 1816/9III [94] 1618/25 1619/1 1619/7 1619/8 1619/13 1622/22 1623/7 1623/9 1623/10 1623/12 1623/15 1624/15 1625/15 1625/23 1626/2 1627/1 1633/18 1635/2 1635/3 1635/7 1635/10 1645/20 1647/5 1647/10 1647/24 1649/8 1651/5 1651/12 1651/14 1651/15 1652/5 1652/5 1652/25 1653/2 1653/5 1653/9 1653/22 1654/1 1654/25 1655/6 1656/15 1657/25 1658/24 1659/6 1671/14 1696/25 1697/2 1697/4 1697/7 1699/24 1699/25 1700/1 1700/3 1710/7 1710/12 1710/15 1722/16 1722/19 1723/2 1723/3 1723/6 1723/25 1734/8 1765/10 1765/15 1765/23 1766/9 1766/14 1767/2 1767/3 1767/4 1767/19 1768/6 1768/25

1769/7 1777/12 1777/22 1778/10 1779/1 1782/6 1782/17 1783/24 1784/17 1784/25 1786/24 1787/6 1787/9 1804/23 1810/21 1811/6 1811/13 1811/16 1816/3 1816/19illegal [28] 1671/13 1671/24 1673/6 1673/12 1674/12 1675/19 1676/20 1680/2 1696/20 1698/20 1699/2 1710/15 1718/12 1722/5 1722/8 1722/9 1722/22 1723/5 1723/18 1728/22 1729/17 1729/24 1732/12 1732/21 1733/4 1733/16 1733/18 1768/1immediately [1] 1854/7impacted [1] 1892/12impeach [1] 1911/8implemented [1] 1798/11implode [1] 1770/25imploded [2] 1770/21 1771/16implosion [1] 1771/12important [2] 1715/23 1736/25imposed [1] 1821/21impossible [1] 1905/11impression [2] 1840/17 1840/19improper [2] 1785/15 1870/24improve [1] 1837/5improved [1] 1837/2improving [1] 1837/7in-house [3] 1689/7 1689/9 1689/12inaccurate [3] 1743/13 1801/16 1801/21inaction [1] 1893/22inappropriate [3] 1801/5 1801/22 1854/23incident [3] 1849/8 1851/11 1857/8inclination [1] 1908/25include [5] 1622/21 1623/8 1757/6 1858/22 1859/1included [8] 1623/6 1652/21 1653/2 1654/4 1766/9 1782/4 1784/16 1859/3including [1] 1899/7inclusion [1] 1819/21inclusive [2] 1756/13 1756/15income [3] 1635/4 1646/22 1767/5inconsistency [1] 1911/5inconsistent [2] 1811/13 1911/8incorrect [2] 1790/2 1801/15increase [1] 1862/25increased [4] 1862/19 1862/21 1862/24 1863/6independent [2] 1740/14 1842/18index [3] 1615/1 1762/22 1762/24indicate [3] 1812/4 1812/6 1822/11indicating [2] 1770/17 1798/10indication [1] 1740/16indicted [1] 1905/3indictment [8] 1819/10 1895/25 1897/1 1897/20

1897/23 1904/24 1905/3 1905/7indirect [3] 1830/19 1830/20 1858/2indirectly [1] 1647/6individual [8] 1735/16 1807/15 1838/20 1838/21 1851/4 1854/20 1854/21 1856/2individual's [1] 1673/15individuals [1] 1699/21indulgence [5] 1660/10 1788/19 1813/14 1902/2 1906/5Industrial [2] 1829/3 1829/6industry [2] 1706/9 1799/12inflation [1] 1685/24inform [2] 1869/18 1892/18information [33] 1625/14 1695/6 1714/11 1725/25 1726/2 1733/23 1743/2 1743/6 1743/10 1743/12 1743/14 1743/15 1743/16 1744/22 1768/24 1769/6 1773/25 1774/8 1793/19 1794/18 1794/19 1809/16 1809/17 1809/19 1809/22 1809/25 1822/10 1858/23 1870/3 1871/7 1871/9 1874/24 1894/12informed [4] 1761/2 1761/7 1880/25 1892/20inherently [1] 1703/24initial [2] 1650/3 1654/15initially [1] 1654/9initials [1] 1705/6initiated [1] 1629/7inquire [2] 1620/7 1867/16inquired [1] 1850/16inquiries [1] 1666/5inquiring [1] 1682/13inquiry [1] 1682/5inside [1] 1652/12insight [1] 1659/6insinuating [1] 1913/1insisting [1] 1847/20insofar [1] 1759/22instance [1] 1855/3instead [2] 1886/25 1887/11Institute [1] 1825/18institution [7] 1671/19 1672/14 1674/24 1732/25 1733/21 1837/9 1877/10institutions [2] 1674/24 1828/22instructed [4] 1836/3 1847/5 1853/5 1858/19instruction [5] 1893/13 1894/1 1897/16 1907/7 1909/25instructions [2] 1835/8 1881/20insult [1] 1662/17insurance [5] 1639/5 1813/6 1813/8 1815/6 1815/11intelligence [1] 1849/1intended [1] 1847/12intends [1] 1907/22interacting [1] 1713/8interaction [12] 1641/6 1708/8 1708/11 1713/4 1724/18 1752/7 1802/10

1938

Iinteraction... [5] 1830/18 1839/8 1839/21 1840/7 1848/9interactions [1] 1843/19interest [4] 1700/22 1717/19 1770/23 1854/23interested [1] 1711/4interesting [3] 1665/24 1795/12 1824/15interim [2] 1856/7 1857/2international [72] 1618/8 1621/19 1621/25 1622/18 1638/25 1643/23 1664/10 1700/17 1700/21 1700/25 1701/3 1701/6 1701/15 1721/22 1731/23 1761/16 1764/12 1781/8 1781/14 1782/20 1784/25 1785/1 1785/20 1785/23 1805/6 1807/17 1808/5 1814/10 1826/21 1827/1 1828/8 1830/1 1830/5 1837/11 1837/14 1839/14 1848/10 1853/22 1854/2 1856/22 1859/2 1859/23 1859/25 1860/17 1865/8 1865/8 1865/14 1865/19 1867/11 1867/17 1869/20 1869/24 1872/13 1873/25 1874/7 1874/9 1875/15 1875/18 1875/21 1876/3 1876/8 1877/4 1878/10 1882/2 1884/11 1884/20 1890/13 1890/16 1890/17 1890/20 1890/23 1894/13Internet [2] 1638/2 1907/18interview [7] 1661/24 1811/1 1841/15 1841/17 1842/1 1842/3 1842/7interviewed [6] 1661/20 1661/22 1662/1 1737/25 1743/3 1841/16interviewing [1] 1743/10into [59] 1637/12 1641/10 1644/9 1645/6 1646/5 1648/3 1649/18 1656/13 1659/6 1660/21 1669/22 1670/10 1672/18 1672/19 1672/22 1673/11 1673/20 1678/17 1687/11 1687/15 1687/21 1697/4 1707/15 1722/15 1730/14 1730/16 1731/5 1738/16 1749/17 1749/17 1751/23 1767/7 1767/9 1791/3 1800/12 1813/23 1816/6 1816/11 1818/5 1822/15 1823/1 1835/18 1868/4 1870/10 1876/7 1890/15 1891/3 1891/3 1891/7 1891/7 1896/21 1898/20 1898/24 1899/12 1899/19 1901/1 1902/24 1906/7 1911/25introduce [5] 1636/15 1738/16 1820/17 1824/1 1875/7introduced [2] 1632/10 1687/11introduction [1] 1753/23invest [12] 1697/17 1698/9 1698/14 1699/25 1707/5 1709/7 1709/14 1724/13 1765/9 1794/5 1802/9 1805/19invested [28] 1642/23 1643/3

1645/20 1647/6 1653/5 1693/20 1699/19 1699/22 1710/6 1723/13 1723/14 1729/8 1762/10 1763/4 1771/2 1771/20 1783/15 1786/8 1786/10 1787/12 1788/13 1789/6 1802/13 1805/2 1809/1 1813/1 1814/8 1814/11investigate [1] 1867/16investigation [9] 1822/9 1824/5 1867/22 1890/15 1891/3 1891/5 1891/7 1891/10 1894/24investigative [1] 1820/21investing [1] 1667/11investment [35] 1619/15 1628/7 1628/8 1628/9 1628/11 1628/12 1628/14 1629/6 1629/8 1629/9 1629/21 1630/22 1633/1 1652/7 1680/18 1680/20 1681/4 1693/12 1698/2 1698/24 1712/12 1729/14 1761/10 1761/22 1761/25 1762/9 1767/23 1771/9 1781/24 1782/2 1782/5 1808/5 1808/21 1810/13 1812/4investments [37] 1637/14 1642/7 1642/9 1642/11 1648/18 1656/21 1666/11 1666/12 1666/22 1667/12 1667/18 1717/7 1729/22 1765/3 1765/4 1765/7 1766/10 1769/25 1770/11 1773/12 1804/3 1805/12 1805/14 1805/22 1808/7 1808/22 1810/5 1810/5 1810/10 1810/11 1810/12 1810/14 1810/15 1811/20 1812/3 1812/10 1812/21investor [4] 1655/25 1690/25 1691/2 1742/20investors [13] 1618/5 1698/23 1728/23 1729/1 1768/5 1768/24 1769/6 1771/18 1771/23 1775/4 1782/25 1813/5 1814/15invited [3] 1841/11 1849/20 1850/4involved [11] 1625/25 1663/6 1663/11 1692/24 1693/4 1694/13 1698/18 1716/2 1745/24 1878/12 1900/4involvement [7] 1663/21 1665/22 1848/9 1849/15 1857/24 1858/2 1905/16involving [1] 1857/8iPhone [1] 1684/11IPO [2] 1650/1 1650/2irate [2] 1861/6 1861/9irrational [1] 1727/17irrelevant [3] 1784/12 1784/13 1905/24is [483] island [6] 1635/17 1635/18 1638/2 1853/9 1866/16 1866/17islands [2] 1881/24 1883/11isn't [8] 1627/16 1649/23 1741/14 1760/8 1871/3 1871/7 1871/14 1907/14issue [16] 1680/22 1752/4

1753/4 1768/20 1769/19 1769/19 1801/7 1817/23 1822/16 1891/19 1891/25 1892/19 1900/16 1908/2 1908/7 1909/10issued [4] 1701/5 1780/12 1780/14 1814/9issues [2] 1807/23 1891/21it [690] it's [190] 1616/4 1617/13 1620/22 1622/9 1625/2 1628/6 1628/18 1632/3 1632/4 1633/12 1635/20 1635/20 1638/6 1649/11 1649/12 1649/24 1651/6 1651/19 1669/6 1670/14 1671/20 1672/7 1672/23 1673/14 1674/3 1674/22 1677/3 1679/22 1681/4 1686/22 1687/21 1688/10 1692/19 1692/20 1694/22 1696/25 1701/7 1701/19 1701/21 1704/21 1705/6 1706/5 1707/12 1711/6 1718/7 1718/18 1719/17 1719/21 1725/12 1726/4 1726/11 1730/9 1732/1 1735/1 1735/3 1736/23 1738/24 1738/25 1740/12 1740/20 1741/6 1744/1 1747/12 1752/22 1754/7 1755/19 1755/20 1756/1 1756/3 1757/3 1758/24 1759/1 1759/6 1762/17 1763/2 1763/11 1768/20 1769/18 1770/22 1771/17 1778/17 1778/21 1779/7 1779/7 1779/10 1780/4 1780/13 1781/5 1783/7 1784/9 1786/13 1787/23 1788/17 1796/1 1798/9 1798/21 1798/21 1799/12 1800/9 1800/12 1803/1 1805/2 1805/9 1805/17 1805/22 1806/7 1812/14 1812/18 1812/18 1815/9 1815/14 1815/23 1818/12 1818/18 1820/10 1821/13 1823/6 1823/16 1824/12 1824/15 1827/21 1827/21 1830/13 1833/19 1834/15 1839/3 1839/19 1849/14 1851/25 1861/13 1861/24 1863/11 1864/12 1864/19 1868/15 1868/17 1868/22 1868/24 1869/9 1871/2 1871/4 1871/22 1871/23 1872/3 1873/1 1875/9 1875/10 1876/9 1877/1 1879/10 1879/12 1879/15 1879/19 1879/20 1879/22 1880/11 1891/17 1893/17 1893/21 1893/22 1896/8 1896/9 1896/22 1897/3 1897/14 1898/5 1899/6 1899/7 1899/9 1899/16 1900/5 1900/12 1903/12 1903/13 1904/7 1904/12 1904/21 1904/23 1905/11 1906/2 1906/13 1907/7 1907/8 1907/14 1909/10 1910/18 1911/16 1911/22 1912/17 1912/18items [1] 1872/21its [15] 1628/25 1629/5

1939

Iits... [13] 1677/13 1766/13 1771/11 1785/1 1807/18 1807/19 1828/6 1828/9 1836/22 1848/10 1870/1 1876/12 1876/13itself [4] 1837/9 1837/10 1860/11 1901/22

JJames [6] 1619/14 1620/2 1652/6 1756/25 1757/11 1900/6JANUARY [5] 1613/4 1757/1 1759/23 1797/9 1914/21January 21st [1] 1757/1Japan [1] 1762/19Jason [6] 1618/1 1619/19 1689/13 1744/6 1762/14 1763/23Jaziri [9] 1777/20 1777/20 1777/21 1778/8 1778/9 1778/24 1778/25 1811/11 1811/16Jencks [6] 1906/19 1910/3 1910/4 1910/9 1910/25 1911/20jet [3] 1635/24 1636/1 1636/2Jim [1] 1707/8Jimmy [2] 1703/7 1705/13job [20] 1628/12 1645/16 1675/16 1705/22 1765/20 1832/2 1851/12 1851/21 1867/10 1867/13 1867/22 1870/3 1871/14 1874/14 1878/9 1885/25 1888/6 1888/7 1888/9 1889/14jog [4] 1680/11 1687/1 1687/3 1721/16John [2] 1614/3 1693/24Johns [2] 1825/12 1825/14Johnson [2] 1642/22 1642/23joined [3] 1836/21 1837/17 1837/20journey [1] 1635/20JRT [1] 1664/24Juan [2] 1664/21 1664/23judge [82] 1613/8 1683/9 1719/14 1728/16 1734/25 1736/12 1740/18 1786/12 1799/25 1818/4 1818/15 1820/2 1821/10 1821/12 1821/20 1822/6 1823/10 1829/11 1829/12 1829/14 1829/18 1829/24 1831/7 1832/9 1833/1 1833/24 1834/2 1834/20 1835/11 1835/18 1836/5 1836/8 1844/17 1844/20 1845/13 1848/11 1848/19 1849/12 1849/18 1851/22 1854/17 1861/11 1861/17 1861/25 1864/16 1864/24 1866/1 1867/5 1868/14 1870/5 1870/23 1871/12 1874/11 1875/8 1879/9 1883/12 1886/4 1887/1 1887/6 1887/8 1887/9 1887/11 1889/3 1892/2 1893/12 1893/25 1894/17 1895/15 1896/7 1898/17 1898/25

1900/16 1902/21 1903/7 1904/5 1904/17 1905/10 1910/3 1911/7 1913/15 1913/17 1914/7judges [1] 1898/5juice [2] 1692/2 1692/3July [2] 1781/10 1830/2July 1st [1] 1781/10June [1] 1796/9June 21st [1] 1796/9jurisdiction [2] 1857/23 1870/10jury [69] 1613/7 1616/2 1616/16 1616/17 1617/23 1618/24 1619/13 1620/8 1620/9 1621/13 1625/5 1627/21 1628/4 1630/8 1636/6 1636/11 1637/9 1641/6 1653/15 1654/8 1654/12 1661/2 1687/5 1687/8 1688/4 1699/12 1702/4 1722/18 1723/24 1735/9 1736/19 1736/20 1736/23 1736/24 1749/15 1756/24 1757/18 1760/21 1764/7 1767/3 1772/6 1777/2 1787/25 1797/9 1806/10 1816/5 1828/21 1829/22 1832/18 1840/6 1841/10 1844/12 1844/25 1849/11 1850/15 1852/14 1853/8 1856/10 1857/19 1871/18 1871/23 1875/14 1887/4 1891/10 1893/16 1897/16 1902/24 1908/20 1908/25jury's [1] 1673/11just [201] 1616/10 1617/8 1618/20 1620/3 1620/17 1620/23 1621/15 1622/13 1622/13 1623/8 1623/10 1626/7 1627/3 1627/13 1631/22 1632/18 1633/16 1634/8 1637/23 1638/8 1641/12 1641/17 1644/22 1644/23 1646/19 1647/1 1649/23 1650/19 1655/7 1656/25 1657/11 1658/1 1658/14 1659/4 1660/2 1663/1 1663/21 1666/15 1670/13 1670/21 1670/22 1671/6 1672/7 1674/3 1674/7 1675/5 1676/11 1676/14 1676/17 1679/15 1681/3 1684/4 1685/22 1686/5 1686/5 1687/7 1689/5 1694/12 1696/17 1696/18 1697/9 1697/16 1698/12 1699/9 1700/15 1701/1 1703/12 1704/22 1705/6 1709/1 1709/19 1710/8 1710/12 1711/3 1712/10 1712/11 1713/13 1714/15 1714/24 1715/17 1715/20 1718/4 1719/19 1723/12 1725/3 1725/12 1727/9 1728/2 1728/7 1728/10 1730/3 1730/6 1731/20 1732/5 1733/7 1734/10 1734/11 1734/17 1735/10 1735/15 1737/7 1738/14 1738/24 1739/7 1739/9 1740/12 1740/15 1743/1 1748/12 1750/11 1750/24 1751/18 1753/19

1754/6 1754/21 1759/12 1759/15 1760/9 1760/13 1763/9 1764/21 1764/25 1765/13 1768/15 1768/20 1772/24 1775/4 1779/8 1783/3 1784/10 1788/25 1789/13 1789/16 1792/19 1792/23 1793/3 1794/1 1797/15 1799/22 1800/1 1800/6 1803/13 1804/2 1809/16 1810/1 1811/2 1816/13 1820/4 1821/15 1822/22 1823/11 1831/16 1831/21 1835/2 1835/13 1840/22 1842/15 1843/12 1854/16 1862/23 1863/6 1864/18 1868/17 1868/20 1869/10 1872/2 1876/14 1881/3 1882/21 1886/3 1887/3 1887/4 1887/9 1887/20 1888/6 1888/9 1888/19 1893/22 1894/4 1895/22 1896/22 1899/16 1900/2 1900/10 1900/11 1901/6 1901/23 1902/21 1906/13 1906/14 1907/13 1908/11 1908/21 1910/18 1910/25 1911/19 1912/13 1912/15 1913/7 1913/10 1914/9Justice [1] 1613/16justify [2] 1657/24 1658/19

Kkeep [11] 1672/23 1672/23 1673/14 1676/17 1760/9 1800/23 1834/18 1861/21 1862/2 1863/12 1863/18keeping [1] 1726/9Kenneth [1] 1614/6kept [6] 1658/23 1658/23 1676/18 1728/3 1847/16 1847/20key [1] 1863/20kick [1] 1654/18kin [2] 1703/4 1703/5kind [23] 1637/23 1640/4 1640/6 1640/14 1640/19 1647/11 1654/18 1657/9 1679/16 1681/13 1697/24 1708/10 1708/16 1711/6 1728/2 1732/25 1739/16 1789/3 1790/2 1802/16 1818/20 1876/22 1881/23King [20] 1888/23 1889/13 1889/21 1894/21 1894/24 1895/2 1895/10 1895/25 1898/4 1899/22 1899/25 1901/12 1902/12 1902/16 1902/18 1903/4 1903/16 1903/23 1904/16 1905/15King's [3] 1889/16 1897/4 1901/1Kingsgate [7] 1645/23 1645/24 1646/10 1646/10 1646/11 1646/15 1646/25knew [17] 1656/16 1697/6 1697/8 1697/9 1700/3 1700/12 1725/4 1725/7 1727/5 1728/3 1744/21 1744/22 1761/1 1761/10 1761/13 1777/21 1793/10know [258] 1616/23 1626/2

1940

Kknow... [256] 1626/11 1626/22 1626/24 1626/25 1627/17 1627/21 1628/14 1632/7 1633/9 1633/12 1633/13 1633/15 1633/17 1633/17 1633/19 1635/16 1637/5 1640/4 1640/8 1640/21 1642/22 1643/4 1643/25 1644/14 1644/22 1648/16 1649/25 1650/15 1651/5 1652/14 1652/15 1652/16 1654/16 1657/19 1658/8 1659/21 1669/11 1670/2 1677/3 1677/3 1677/16 1678/20 1678/20 1679/19 1681/21 1681/23 1681/23 1682/7 1682/16 1686/13 1689/10 1689/14 1691/1 1691/13 1693/16 1693/16 1694/14 1695/25 1696/10 1696/10 1696/11 1697/1 1697/1 1697/4 1697/7 1701/1 1702/24 1703/7 1703/11 1703/20 1706/8 1707/10 1707/16 1708/17 1709/24 1710/7 1710/8 1710/8 1710/12 1711/11 1713/24 1715/24 1716/5 1720/20 1720/20 1720/23 1721/1 1721/13 1721/21 1721/23 1722/11 1725/8 1725/9 1725/12 1728/6 1728/11 1730/14 1731/5 1733/17 1736/25 1737/24 1739/20 1741/21 1742/22 1742/22 1742/23 1743/5 1743/14 1743/22 1743/22 1743/23 1745/2 1745/5 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1745/21 1745/23 1746/2 1746/5 1746/8 1746/11 1748/13 1748/20 1749/1 1750/7 1753/9 1753/10 1753/11 1753/18 1761/4 1761/6 1761/9 1761/13 1765/6 1766/24 1772/10 1774/10 1775/18 1776/7 1777/14 1782/11 1782/13 1783/6 1783/9 1785/6 1788/8 1790/24 1792/14 1792/15 1792/16 1792/24 1793/13 1793/14 1793/17 1793/19 1794/3 1794/5 1794/7 1794/11 1794/18 1794/22 1794/25 1795/2 1796/13 1796/15 1796/17 1798/14 1798/16 1798/20 1798/23 1799/7 1802/6 1803/23 1803/24 1804/6 1804/14 1805/16 1809/3 1809/4 1809/6 1809/13 1811/1 1811/3 1811/12 1813/8 1813/10 1813/10 1813/22 1816/6 1816/13 1821/9 1823/14 1824/11 1827/3 1828/12 1830/8 1841/22 1845/4 1846/17 1847/18 1848/4 1850/22 1852/18 1856/14 1856/15 1860/10 1861/17 1862/6 1865/3 1866/7 1866/9 1866/19 1866/21 1866/22 1866/25 1867/3

1867/10 1867/13 1867/24 1867/25 1868/19 1869/14 1871/10 1872/3 1873/13 1873/16 1875/2 1884/20 1884/23 1885/1 1885/2 1885/11 1885/14 1887/17 1893/3 1893/6 1893/6 1898/24 1899/10 1899/19 1901/24 1902/5 1903/7 1903/17 1906/2 1907/7 1908/1 1910/6 1910/8 1910/12 1912/7 1913/7knowledge [43] 1625/20 1647/10 1686/12 1693/1 1696/4 1696/6 1696/25 1697/1 1699/24 1701/4 1703/21 1704/10 1705/8 1708/6 1712/8 1712/17 1712/19 1714/11 1715/5 1715/15 1715/18 1715/22 1730/13 1755/3 1777/11 1782/18 1782/21 1786/4 1789/19 1798/18 1801/15 1801/21 1848/12 1864/25 1865/1 1866/2 1866/4 1867/6 1868/16 1869/10 1883/13 1901/2 1903/1knowledgeable [3] 1629/20 1709/3 1709/4known [7] 1650/18 1668/25 1704/24 1761/16 1828/8 1837/22 1872/23knows [9] 1671/2 1711/8 1713/13 1714/24 1822/25 1864/16 1866/15 1867/7 1867/8

Llabor [1] 1829/6lack [9] 1705/7 1822/11 1822/13 1822/14 1829/24 1861/23 1867/5 1892/12 1893/20ladies [5] 1687/25 1735/3 1755/6 1863/11 1908/15lady [2] 1818/2 1822/25laid [2] 1638/8 1899/21language [2] 1898/19 1908/7languages [1] 1704/11large [10] 1640/20 1640/21 1642/17 1644/17 1644/21 1732/15 1732/20 1733/3 1733/21 1768/6larger [5] 1618/25 1619/2 1619/2 1619/3 1694/1largest [5] 1635/3 1711/5 1732/16 1767/4 1768/6last [15] 1616/8 1624/6 1688/9 1759/23 1760/3 1781/5 1781/11 1808/1 1808/20 1824/25 1825/2 1825/6 1844/4 1872/8 1880/15Lastly [1] 1813/3late [5] 1616/24 1635/15 1644/2 1652/24 1653/24later [20] 1616/4 1641/5 1648/5 1654/10 1692/19 1713/10 1713/21 1755/2 1755/7 1755/8 1755/11 1755/23 1756/8 1760/13 1823/7 1823/17 1877/21 1877/22 1881/6 1897/18latter [1] 1865/12laundering [3] 1826/6 1826/8

1877/20Laura [29] 1619/16 1619/17 1620/2 1631/21 1644/13 1644/19 1647/20 1652/6 1654/13 1661/17 1666/8 1682/24 1683/13 1684/8 1700/8 1705/18 1706/25 1707/25 1708/1 1708/5 1708/12 1711/19 1713/20 1714/7 1734/10 1742/23 1772/8 1811/9 1813/13law [19] 1614/3 1614/6 1773/24 1774/7 1774/11 1774/16 1775/3 1821/2 1821/3 1821/21 1821/24 1822/4 1822/10 1859/22 1860/4 1909/7 1911/1 1911/3 1911/21laws [6] 1729/23 1729/25 1731/7 1773/15 1773/16 1821/25lawyer [4] 1773/20 1774/19 1777/6 1859/5lawyers [1] 1887/4lay [5] 1866/15 1875/7 1900/1 1900/2 1906/3lazy [1] 1712/11lead [2] 1624/21 1624/23leaders [2] 1839/13 1840/8leading [9] 1632/3 1632/4 1748/6 1774/12 1776/11 1776/14 1786/13 1788/15 1887/16leads [1] 1682/16learn [4] 1889/19 1889/21 1889/24 1894/23learned [2] 1813/21 1908/6least [6] 1844/6 1882/10 1896/20 1900/3 1909/17 1909/25leave [10] 1714/1 1720/18 1817/4 1817/5 1885/4 1885/7 1885/13 1885/16 1886/21 1888/21leaving [2] 1823/8 1889/25led [2] 1713/8 1886/10leeway [2] 1692/20 1887/16left [9] 1688/9 1711/12 1711/14 1846/24 1864/9 1885/8 1885/11 1896/17 1900/23legal [13] 1769/19 1774/11 1854/7 1860/5 1860/11 1860/12 1860/14 1860/16 1860/24 1860/25 1861/1 1861/4 1861/6legally [2] 1854/24 1859/20legislation [8] 1826/21 1828/7 1837/8 1862/22 1874/3 1885/22 1885/23 1886/12legislative [2] 1773/18 1887/23legitimate [2] 1638/14 1883/19Lehman [6] 1733/13 1733/16 1733/19 1733/24 1734/3 1762/24Lehman's [1] 1816/5length [1] 1660/23lengthy [3] 1687/21 1844/6 1871/11Leo [1] 1825/25Leroy [4] 1888/23 1889/13

1941

LLeroy... [2] 1894/21 1901/1less [11] 1625/1 1658/12 1669/14 1669/15 1669/20 1697/1 1748/3 1761/17 1804/8 1812/18 1897/18let [53] 1616/23 1627/21 1631/1 1645/24 1651/3 1654/23 1657/11 1662/4 1662/13 1664/7 1669/9 1679/24 1683/19 1697/1 1697/15 1698/13 1705/13 1709/11 1731/8 1736/25 1739/1 1739/20 1740/18 1743/23 1748/13 1752/11 1759/12 1766/24 1789/21 1795/25 1798/9 1803/16 1807/3 1811/2 1821/9 1844/1 1844/3 1844/20 1852/20 1858/21 1859/11 1859/22 1864/17 1867/20 1867/24 1869/23 1877/19 1893/3 1895/22 1905/23 1906/17 1907/5 1908/16let's [49] 1616/16 1634/2 1651/1 1655/13 1655/14 1661/13 1663/1 1663/16 1664/7 1664/24 1669/23 1671/12 1672/4 1672/7 1674/8 1681/2 1682/12 1687/25 1696/17 1700/11 1701/22 1702/4 1710/17 1723/12 1734/18 1737/1 1743/1 1780/22 1782/16 1790/24 1791/23 1795/21 1795/23 1796/20 1798/24 1802/16 1802/16 1821/6 1824/14 1834/24 1863/23 1865/7 1891/9 1894/9 1905/13 1906/22 1908/21 1909/17 1913/9letter [23] 1751/9 1853/10 1853/11 1853/12 1853/14 1853/15 1854/6 1854/7 1854/11 1855/14 1855/14 1857/11 1868/5 1868/8 1868/10 1868/11 1868/11 1868/15 1868/17 1872/22 1876/25 1881/21 1904/13letters [3] 1818/14 1822/8 1822/21letting [1] 1821/9level [2] 1682/13 1847/13levels [1] 1643/2liabilities [4] 1621/16 1668/21 1668/24 1876/13liability [1] 1803/12license [2] 1870/1 1873/25licensed [3] 1828/23 1858/20 1874/4licenses [2] 1826/3 1869/20lie [8] 1686/20 1686/21 1718/15 1729/5 1793/14 1793/18 1793/23 1794/1lied [2] 1794/3 1794/9life [1] 1671/6light [2] 1620/22 1620/23lights [1] 1620/17like [95] 1618/1 1620/5 1624/18 1630/14 1631/1 1639/3 1639/6 1640/4 1640/15

1640/17 1641/24 1643/11 1643/15 1644/1 1645/23 1646/24 1647/2 1649/21 1650/8 1650/13 1650/14 1650/15 1650/17 1653/10 1653/12 1653/22 1654/19 1655/13 1666/2 1669/10 1670/13 1671/6 1672/10 1673/14 1682/9 1684/10 1684/19 1685/2 1685/16 1687/1 1704/12 1708/24 1711/6 1711/10 1717/21 1718/5 1718/6 1725/15 1725/24 1726/11 1726/19 1727/1 1729/11 1743/4 1756/22 1763/11 1763/23 1764/19 1765/5 1766/25 1767/2 1768/20 1772/2 1772/11 1773/1 1784/10 1785/24 1788/13 1793/23 1805/3 1807/9 1811/17 1812/1 1812/17 1813/4 1819/3 1820/2 1820/15 1820/16 1825/19 1825/19 1829/12 1839/16 1853/2 1857/7 1868/3 1873/6 1881/8 1882/5 1893/13 1910/3 1910/5 1910/22 1910/22 1913/19limb [1] 1656/8limine [2] 1818/23 1823/21limited [15] 1622/2 1638/1 1664/10 1697/2 1731/24 1805/6 1807/18 1808/6 1810/1 1823/21 1831/18 1852/5 1879/25 1893/17 1897/3limiting [2] 1893/13 1894/1line [5] 1618/7 1618/11 1618/15 1623/4 1720/1lines [1] 1748/4link [2] 1651/17 1900/15liquid [34] 1634/14 1634/17 1643/7 1669/20 1671/25 1672/1 1674/1 1701/13 1701/17 1720/11 1720/12 1720/14 1720/16 1721/11 1767/11 1767/17 1786/10 1803/25 1804/7 1805/12 1805/14 1805/23 1811/20 1812/5 1812/11 1812/16 1812/17 1812/19 1812/22 1812/23 1814/25 1815/19 1815/21 1815/23liquidate [1] 1645/6liquidated [1] 1782/25liquidity [27] 1643/4 1668/6 1668/7 1668/13 1668/18 1668/23 1721/14 1721/18 1721/23 1722/1 1722/3 1722/6 1722/8 1802/16 1802/18 1802/25 1803/2 1803/23 1805/5 1805/7 1805/9 1813/25 1814/6 1814/7 1814/23 1815/3 1815/3list [2] 1622/10 1820/8listed [2] 1781/22 1872/21listen [1] 1774/21literature [2] 1802/23 1805/11little [31] 1619/2 1624/23 1629/2 1637/9 1648/21 1660/2 1660/3 1660/3 1660/20 1661/2 1671/19 1680/12 1681/13

1681/21 1699/9 1709/24 1734/11 1736/24 1764/9 1806/3 1806/4 1824/13 1831/21 1839/3 1876/15 1877/22 1886/7 1897/16 1906/8 1906/8 1908/25live [2] 1636/9 1825/13living [4] 1648/25 1706/6 1725/25 1826/9Lloyd's [2] 1638/21 1639/2loan [2] 1670/3 1670/3loans [7] 1701/10 1761/15 1785/23 1785/24 1787/18 1788/5 1788/12located [7] 1625/7 1627/1 1638/23 1651/25 1659/13 1659/16 1815/7location [2] 1645/20 1911/12lodge [1] 1779/18lodged [1] 1901/13London [2] 1638/21 1639/2long [21] 1635/3 1691/17 1747/17 1747/19 1747/21 1747/24 1748/5 1764/15 1767/4 1768/7 1828/4 1829/14 1835/3 1844/3 1855/8 1876/13 1877/23 1882/8 1882/9 1882/11 1882/21long-term [2] 1635/3 1876/13longer [3] 1806/4 1838/13 1913/19look [34] 1623/4 1641/9 1641/11 1642/5 1650/14 1650/23 1659/1 1688/21 1718/24 1723/3 1731/1 1739/1 1748/12 1748/23 1760/18 1769/22 1770/17 1773/1 1795/21 1796/1 1796/5 1796/8 1796/20 1796/20 1796/24 1797/20 1797/25 1803/25 1804/7 1906/9 1907/6 1907/13 1907/19 1907/19looked [12] 1653/12 1653/14 1658/23 1688/10 1694/1 1722/15 1739/4 1739/5 1740/23 1749/19 1843/13 1862/16looking [24] 1621/8 1624/14 1639/3 1657/19 1676/12 1700/19 1700/22 1708/13 1731/12 1735/4 1741/12 1750/15 1756/5 1764/22 1766/18 1809/20 1814/20 1818/20 1820/3 1821/16 1821/16 1907/9 1907/17 1909/18looks [4] 1620/21 1678/13 1687/21 1737/3lose [1] 1693/25losing [1] 1657/2loss [1] 1771/13lost [15] 1681/13 1693/21 1693/22 1694/3 1694/4 1694/9 1694/10 1695/7 1695/13 1695/25 1696/4 1696/7 1771/6 1794/7 1809/4lot [21] 1641/16 1648/15 1650/17 1656/20 1657/10 1661/5 1661/5 1664/6 1680/11 1692/9 1706/23 1725/25 1726/1 1726/1 1765/20 1820/8 1823/6 1823/15 1887/8

1942

Llot... [2] 1896/21 1913/19lots [1] 1787/9loud [2] 1807/14 1808/3love [1] 1692/2low [8] 1642/24 1643/3 1679/19 1711/16 1742/2 1742/4 1742/6 1754/21Lower [2] 1643/2 1807/2lunch [3] 1638/3 1638/4 1703/15lying [2] 1729/1 1771/17Lynch [2] 1766/18 1783/18Lyons [1] 1735/20

MM-A-R-I-A-N [1] 1825/8M-A-T-H-U-R-I-N [1] 1891/18ma'am [3] 1801/19 1836/13 1839/4made [50] 1642/12 1648/4 1648/15 1648/19 1649/3 1649/6 1656/22 1666/11 1666/12 1682/5 1717/19 1727/23 1751/10 1760/3 1765/20 1765/22 1782/23 1805/25 1807/21 1808/22 1814/12 1819/19 1822/9 1830/3 1830/6 1833/24 1834/15 1835/7 1836/18 1837/3 1839/13 1840/11 1840/15 1840/15 1841/16 1841/19 1842/4 1842/6 1842/10 1842/24 1843/5 1846/11 1878/6 1878/8 1880/20 1884/13 1899/8 1901/17 1906/1 1907/11Madoff [8] 1645/9 1645/17 1646/3 1646/4 1646/5 1646/12 1647/7 1653/25magazine [5] 1738/1 1743/3 1743/4 1743/5 1743/10magistrate [2] 1898/5 1903/7mail [35] 1680/10 1680/11 1680/13 1680/13 1681/11 1684/9 1684/18 1687/1 1687/7 1687/11 1687/18 1687/21 1688/10 1688/17 1691/7 1737/19 1740/2 1740/7 1741/1 1741/2 1750/23 1752/24 1752/24 1753/1 1753/5 1753/6 1754/8 1754/19 1756/24 1756/25 1757/11 1758/4 1759/25 1760/22 1796/5mailed [1] 1745/21mailing [1] 1688/15mails [18] 1688/14 1691/4 1737/10 1737/14 1737/16 1737/24 1738/3 1738/14 1739/17 1740/22 1740/24 1741/3 1741/7 1741/12 1752/3 1752/9 1754/22 1795/8main [1] 1856/3mainly [1] 1876/23maintained [1] 1771/3maintaining [2] 1814/6 1814/23major [7] 1635/17 1649/18 1665/22 1671/15 1699/18 1814/10 1823/9make [37] 1631/15 1637/11

1641/12 1654/14 1654/19 1654/19 1654/21 1654/23 1655/2 1655/3 1655/4 1655/9 1656/14 1676/12 1684/12 1684/21 1693/1 1695/24 1698/24 1713/25 1717/10 1719/19 1720/19 1727/17 1743/9 1772/25 1785/23 1802/21 1805/15 1805/20 1812/11 1812/14 1812/24 1829/8 1869/19 1878/9 1896/20maker [1] 1666/12makes [2] 1766/25 1874/3making [7] 1616/22 1656/16 1657/2 1658/6 1744/3 1822/20 1840/14Maldonado [3] 1634/19 1651/23 1674/24man's [1] 1899/14manage [5] 1625/6 1626/2 1633/24 1633/25 1810/18managed [16] 1619/13 1625/11 1625/18 1626/25 1627/4 1633/10 1633/16 1634/18 1651/21 1652/2 1722/15 1727/23 1728/2 1751/23 1762/14 1777/17management [18] 1626/1 1630/25 1641/22 1659/23 1662/6 1677/13 1678/4 1678/22 1679/1 1682/13 1720/5 1727/13 1785/5 1785/6 1808/24 1809/5 1825/17 1826/11manager [7] 1707/20 1707/22 1708/7 1708/13 1708/16 1708/24 1787/8managers [37] 1618/12 1618/14 1618/16 1618/18 1625/8 1625/12 1626/5 1626/6 1626/7 1626/8 1626/12 1626/21 1626/25 1627/4 1631/24 1632/14 1652/4 1653/19 1723/10 1723/12 1723/19 1723/21 1727/20 1727/21 1728/2 1728/4 1728/7 1728/7 1728/10 1749/16 1749/24 1751/22 1757/20 1802/3 1802/9 1802/14 1810/18managers' [1] 1777/11manages [2] 1628/13 1630/15managing [4] 1644/4 1646/8 1646/11 1662/6manner [5] 1805/19 1837/6 1837/7 1877/5 1877/8manual [13] 1629/19 1630/9 1632/19 1634/10 1634/13 1730/9 1730/17 1730/22 1770/3 1770/7 1770/15 1770/20 1798/12many [25] 1619/4 1619/7 1619/9 1632/21 1636/18 1636/25 1637/19 1663/5 1702/11 1724/24 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1745/23 1746/5 1746/8 1746/11 1746/13 1793/22 1796/11 1802/3 1843/1March [11] 1680/10 1680/22 1688/21 1739/22 1739/25

1897/2 1897/3 1897/13 1898/22 1898/24 1905/8March 25th [2] 1688/21 1739/25Marcum [1] 1735/20Marian [2] 1824/20 1825/4Mark [2] 1617/3 1685/2marked [5] 1627/12 1737/19 1779/23 1875/4 1888/24marker [1] 1661/10market [18] 1640/15 1649/19 1649/21 1655/10 1656/17 1656/24 1657/16 1682/8 1682/10 1689/4 1689/5 1690/6 1690/8 1690/14 1707/19 1726/2 1741/9 1800/25marketable [5] 1812/5 1812/22 1814/9 1815/18 1815/23marketing [2] 1702/22 1703/1marketplace [1] 1696/22markets [7] 1634/22 1637/14 1704/23 1712/10 1771/2 1771/21 1775/19married [5] 1707/2 1707/4 1708/5 1714/5 1714/8marries [1] 1708/2Mart [8] 1643/11 1655/13 1655/14 1655/15 1655/16 1655/19 1655/20 1655/21Mary [3] 1702/21 1702/22 1705/15Maryland [1] 1735/23master [5] 1629/20 1653/18 1749/17 1749/22 1751/25material [5] 1803/25 1906/19 1910/3 1910/4 1910/25Mathurin [5] 1820/10 1891/15 1891/17 1891/19 1892/18Mathurin's [1] 1891/16matter [21] 1632/11 1710/18 1717/1 1722/24 1724/12 1735/21 1736/7 1737/8 1741/23 1750/8 1750/24 1754/8 1759/2 1779/8 1842/23 1851/6 1882/13 1892/13 1893/14 1899/18 1904/25matters [15] 1616/9 1660/21 1666/5 1668/17 1670/15 1676/8 1680/23 1736/13 1816/2 1819/9 1820/19 1821/21 1821/22 1821/23 1891/4mature [1] 1805/20matures [1] 1669/14maturing [2] 1804/8 1812/18may [37] 1616/6 1619/21 1620/7 1643/13 1649/16 1655/8 1678/14 1692/21 1728/16 1748/18 1753/13 1755/6 1765/8 1766/18 1776/2 1784/20 1797/6 1806/2 1808/15 1817/3 1817/19 1823/23 1824/6 1824/18 1829/25 1836/7 1836/22 1848/15 1852/7 1871/10 1871/20 1892/8 1906/16 1906/16 1909/17 1911/8 1914/3maybe [15] 1622/10 1624/3 1625/16 1648/25 1663/7 1682/9 1685/25 1690/10 1693/10 1727/15 1843/2

1943

Mmaybe... [4] 1913/2 1913/23 1913/24 1914/4McDonald's [1] 1711/6McGee [5] 1705/11 1705/17 1705/21 1715/9 1775/14McGee's [1] 1706/11McGuire [2] 1614/6 1614/6me [160] 1616/21 1620/16 1620/18 1626/24 1631/1 1640/10 1641/9 1641/11 1645/24 1649/9 1651/3 1654/23 1657/11 1661/3 1662/4 1662/22 1663/13 1664/7 1664/14 1668/17 1668/20 1669/3 1669/9 1669/9 1669/25 1670/6 1672/18 1672/18 1677/20 1678/18 1678/23 1679/1 1679/15 1679/15 1682/14 1682/20 1683/19 1683/23 1684/8 1684/11 1685/6 1685/9 1685/17 1685/25 1686/6 1686/16 1688/16 1697/1 1697/15 1702/15 1703/7 1705/1 1705/2 1705/13 1708/12 1708/22 1708/24 1709/11 1711/2 1719/21 1720/10 1720/13 1728/13 1731/8 1735/10 1736/25 1737/3 1737/17 1739/20 1740/18 1742/17 1743/10 1743/15 1743/16 1743/21 1743/23 1748/13 1751/18 1752/11 1754/6 1754/11 1754/13 1756/11 1759/12 1765/14 1766/24 1783/7 1795/21 1795/25 1798/9 1803/16 1807/3 1810/3 1810/25 1811/3 1811/12 1820/15 1831/1 1833/3 1834/6 1834/6 1835/4 1835/8 1835/13 1836/11 1837/3 1838/19 1840/19 1841/5 1841/24 1842/1 1842/4 1843/12 1843/13 1843/13 1843/23 1844/1 1844/3 1846/12 1846/21 1847/3 1847/12 1847/21 1848/25 1852/8 1853/10 1853/15 1854/24 1856/3 1857/11 1858/21 1859/11 1859/22 1860/24 1860/25 1861/1 1861/10 1862/16 1863/13 1864/17 1867/20 1869/23 1871/3 1877/19 1878/20 1880/25 1881/21 1883/2 1886/1 1893/3 1895/22 1902/8 1905/23 1906/15 1906/17 1907/1 1907/5 1908/10 1908/16 1911/2me -- no [1] 1906/15mean [64] 1636/6 1636/7 1636/11 1640/10 1640/13 1641/14 1644/7 1646/6 1649/18 1652/13 1658/4 1673/18 1675/2 1675/5 1685/4 1701/19 1714/25 1719/2 1722/12 1724/10 1724/19 1724/24 1726/14 1727/15 1730/16 1733/13 1733/16

1734/17 1760/10 1762/17 1762/25 1764/9 1792/15 1798/21 1799/9 1800/11 1802/6 1802/12 1802/13 1802/23 1805/14 1818/13 1819/7 1822/24 1829/5 1834/13 1834/17 1842/2 1845/11 1845/19 1845/20 1849/4 1852/24 1853/17 1855/13 1855/19 1861/9 1863/5 1863/19 1869/10 1876/11 1879/16 1904/9 1913/19meaning [3] 1644/20 1698/5 1880/22means [10] 1626/6 1698/13 1704/6 1721/13 1763/1 1763/2 1808/13 1808/14 1812/17 1845/21meant [4] 1734/13 1734/13 1734/15 1799/7mechanical [1] 1613/24Mechel [2] 1711/5 1711/8medication [1] 1726/11medicine [1] 1726/15medium [1] 1725/18meet [3] 1708/14 1850/11 1876/12meeting [31] 1686/8 1686/9 1686/15 1694/22 1694/24 1742/25 1839/10 1840/7 1840/10 1840/10 1840/22 1841/12 1843/1 1843/4 1843/7 1843/11 1844/5 1845/24 1845/25 1846/1 1849/22 1849/24 1850/3 1850/4 1850/7 1850/9 1850/17 1850/21 1876/13 1910/21 1910/22meetings [12] 1716/15 1716/22 1716/25 1717/5 1746/8 1762/18 1840/4 1841/11 1849/21 1852/15 1910/19 1911/14mega [1] 1642/22member [10] 1820/4 1825/17 1829/3 1829/9 1829/10 1829/10 1829/11 1829/14 1838/13 1859/5membership [1] 1842/16memo [1] 1810/25memorable [1] 1845/23memorandum [1] 1810/25memory [15] 1624/2 1624/10 1638/1 1680/11 1687/2 1687/3 1721/16 1737/15 1737/20 1738/15 1738/25 1739/20 1740/23 1748/16 1748/24memos [1] 1823/11Memphis [41] 1617/25 1618/15 1618/17 1619/4 1619/7 1619/8 1619/20 1623/1 1633/6 1633/24 1633/25 1634/4 1634/6 1635/21 1637/2 1637/22 1638/12 1644/3 1648/2 1651/24 1652/3 1659/15 1659/17 1659/19 1663/17 1665/24 1665/25 1676/8 1702/5 1702/8 1702/12 1702/14 1702/16 1745/7 1746/11 1747/15 1751/22 1775/11 1780/15 1780/17 1780/24

mention [6] 1616/4 1622/14 1627/15 1732/1 1777/3 1804/2mentioned [9] 1619/21 1637/8 1744/6 1777/2 1843/25 1859/4 1873/12 1876/4 1876/14mere [1] 1899/16Merrill [2] 1766/18 1783/18messed [1] 1664/18met [12] 1745/5 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1746/11 1746/13 1837/17 1850/12 1850/19Mexico [1] 1716/21Miami [5] 1635/21 1635/21 1745/13 1746/15 1841/14Michael [2] 1628/10 1631/5micro [1] 1642/17microphone [1] 1817/20Microsoft [1] 1783/19middle [10] 1618/3 1639/17 1704/5 1704/8 1704/9 1704/11 1704/14 1717/20 1814/2 1898/21might [10] 1627/6 1665/13 1691/4 1691/7 1700/25 1721/17 1762/24 1840/9 1900/4 1909/14mike [2] 1660/2 1831/21million [37] 1622/25 1623/17 1624/3 1624/13 1624/23 1625/7 1625/8 1677/22 1693/10 1693/15 1693/18 1693/19 1693/25 1694/1 1694/3 1694/4 1694/5 1694/9 1694/11 1695/6 1695/13 1695/17 1695/25 1696/4 1696/6 1719/12 1720/1 1720/4 1720/7 1720/7 1720/21 1720/23 1765/6 1765/8 1776/8 1776/20 1794/4million-dollar [1] 1765/6mind [12] 1671/25 1686/22 1702/15 1716/1 1716/3 1718/5 1718/7 1768/23 1789/22 1838/23 1851/25 1907/16minimum [1] 1765/7minimums [1] 1765/5minister [20] 1827/12 1838/9 1841/4 1842/18 1850/4 1850/7 1850/9 1851/19 1851/20 1852/2 1852/8 1853/12 1853/13 1854/12 1854/13 1879/7 1879/8 1879/20 1880/3 1890/9ministry [5] 1830/1 1868/6 1868/23 1869/25 1889/18minute [9] 1631/1 1688/1 1728/16 1748/3 1788/25 1806/8 1863/12 1863/13 1891/9minutes [10] 1616/24 1617/12 1654/8 1735/5 1836/21 1906/13 1913/12 1913/13 1913/18 1913/22mischaracterization [1] 1662/9mischaracterizing [1] 1797/4misrepresent [1] 1769/15missed [1] 1771/11misunderstood [1] 1783/5Mitchell [1] 1693/24mix [1] 1887/8model [40] 1680/18 1680/20

1944

Mmodel... [38] 1681/4 1681/5 1689/22 1689/24 1690/4 1690/8 1742/7 1761/22 1761/25 1762/9 1762/11 1762/12 1762/14 1762/16 1762/17 1763/8 1763/10 1763/17 1763/18 1764/5 1764/7 1764/8 1764/17 1764/17 1764/21 1764/25 1765/13 1765/16 1765/21 1794/20 1798/24 1798/25 1800/4 1800/7 1800/15 1808/21 1809/5 1810/13models [5] 1742/8 1742/9 1744/10 1744/11 1763/6moment [16] 1624/5 1627/13 1678/14 1719/14 1730/3 1748/12 1772/3 1806/2 1837/24 1838/16 1844/3 1869/23 1889/8 1889/25 1895/23 1902/3Monday [2] 1864/3 1864/5money [162] 1618/7 1618/9 1618/11 1618/11 1618/13 1618/13 1618/16 1618/18 1619/24 1625/6 1625/8 1625/11 1625/11 1626/6 1626/15 1626/21 1626/22 1626/25 1628/13 1631/24 1632/14 1644/8 1644/11 1644/12 1644/14 1645/2 1645/6 1646/7 1646/8 1646/10 1646/11 1646/12 1648/4 1648/15 1648/19 1649/3 1649/6 1651/24 1651/24 1653/5 1653/19 1654/19 1654/21 1655/4 1655/9 1656/16 1656/22 1657/2 1657/2 1669/12 1670/10 1670/10 1672/17 1672/18 1672/19 1672/22 1672/23 1672/24 1673/3 1673/10 1673/10 1673/11 1673/11 1673/11 1673/15 1673/20 1674/7 1674/8 1674/9 1674/9 1675/3 1680/7 1693/6 1693/9 1693/11 1693/13 1695/16 1697/17 1698/14 1699/19 1699/21 1699/22 1699/22 1699/25 1707/5 1707/16 1708/5 1709/7 1709/9 1709/11 1709/16 1723/10 1723/12 1723/13 1723/13 1723/18 1723/19 1723/21 1724/13 1727/20 1727/21 1728/1 1728/2 1728/4 1728/6 1728/7 1728/10 1729/7 1729/15 1730/22 1734/14 1734/21 1734/22 1749/16 1749/24 1751/21 1761/2 1762/9 1762/12 1762/15 1763/4 1770/21 1771/6 1771/15 1776/24 1777/11 1778/10 1779/1 1782/16 1782/22 1783/3 1783/12 1783/12 1783/14 1783/15 1785/16 1786/7 1786/8 1786/9 1787/8 1787/9 1787/12 1788/13 1794/7 1802/3 1802/9 1802/14 1803/17 1805/15 1805/20

1809/1 1809/4 1810/18 1810/18 1811/17 1812/11 1812/14 1812/24 1813/1 1826/6 1826/8 1877/20monies [4] 1672/19 1675/12 1698/23 1805/1monitor [1] 1633/4monitoring [1] 1634/1month [10] 1634/14 1636/9 1636/12 1636/18 1636/20 1772/13 1882/10 1897/18 1897/18 1901/6Monthly [1] 1828/1months [12] 1636/10 1636/14 1636/23 1636/23 1637/18 1643/13 1649/17 1796/11 1882/6 1882/8 1884/6 1885/8Montserrat [15] 1865/23 1865/25 1866/10 1866/12 1866/20 1867/1 1867/4 1867/23 1868/5 1869/4 1869/25 1870/21 1871/6 1871/15 1872/22more [34] 1618/21 1619/22 1630/24 1631/23 1632/7 1634/21 1645/2 1645/6 1648/3 1658/12 1658/13 1660/3 1680/12 1681/13 1684/16 1697/1 1722/14 1755/25 1764/9 1771/2 1771/5 1771/20 1800/23 1819/3 1824/12 1824/12 1852/19 1862/11 1886/7 1887/8 1887/15 1909/21 1912/4 1912/20Moreover [1] 1754/17morning [15] 1616/18 1616/19 1616/21 1616/24 1617/6 1617/7 1660/18 1850/3 1859/11 1864/19 1906/14 1906/20 1909/9 1909/19 1909/24most [12] 1635/25 1663/2 1671/15 1674/17 1736/25 1769/25 1770/11 1771/4 1806/21 1812/3 1812/4 1887/5motion [3] 1818/23 1823/21 1910/16move [20] 1636/5 1636/7 1675/12 1691/6 1710/18 1732/5 1784/12 1790/4 1790/21 1800/19 1801/10 1807/3 1807/11 1831/21 1831/22 1871/24 1871/25 1880/13 1880/14 1899/13moved [5] 1866/10 1866/11 1866/16 1866/20 1867/21moves [1] 1675/2movie [1] 1692/2moving [2] 1691/10 1808/22Mr [17] 1621/7 1631/14 1656/4 1706/11 1724/21 1737/2 1741/24 1744/21 1763/7 1777/1 1778/7 1778/23 1785/5 1793/10 1799/16 1844/16 1883/24Mr. [595] Mr. Allen [2] 1865/6 1868/11Mr. Ashe [1] 1820/7Mr. Bailey [1] 1884/14Mr. Bogar [1] 1709/25Mr. Collinsworth [94] 1617/6 1617/20 1620/5 1620/13

1621/10 1622/17 1624/10 1624/14 1627/12 1628/4 1628/17 1628/23 1629/23 1632/7 1632/21 1634/9 1634/12 1635/12 1635/23 1637/7 1640/8 1643/4 1650/6 1651/21 1652/23 1656/8 1656/13 1657/11 1659/10 1670/24 1687/19 1688/9 1718/11 1725/4 1725/18 1727/5 1730/10 1730/14 1737/7 1738/14 1739/16 1740/7 1740/16 1744/20 1748/9 1749/8 1751/3 1751/21 1751/25 1754/18 1754/21 1756/2 1756/21 1757/24 1758/21 1759/19 1759/24 1760/12 1760/21 1760/25 1761/21 1765/21 1766/22 1766/24 1770/8 1770/14 1770/19 1771/14 1772/2 1774/15 1775/10 1775/25 1779/23 1780/22 1781/6 1781/13 1781/19 1784/15 1785/4 1785/12 1788/24 1793/11 1797/25 1800/7 1801/24 1806/14 1809/10 1810/24 1813/16 1814/5 1814/22 1816/18 1816/24 1913/22Mr. Costa [1] 1823/13Mr. Crick [1] 1902/15Mr. D'Amato [4] 1741/24 1742/6 1742/20 1808/22Mr. Davis [101] 1627/3 1641/9 1641/11 1659/18 1659/24 1660/8 1661/22 1662/2 1665/16 1666/4 1666/5 1666/7 1666/8 1666/10 1666/14 1666/15 1680/14 1680/19 1681/10 1681/18 1682/1 1682/6 1682/25 1683/20 1684/1 1684/4 1686/23 1688/16 1690/12 1690/24 1692/24 1701/22 1702/6 1702/8 1702/16 1702/23 1702/24 1703/5 1703/5 1704/8 1705/2 1705/14 1705/16 1705/21 1706/21 1709/22 1710/2 1710/20 1711/23 1712/4 1714/15 1714/17 1715/12 1716/2 1717/9 1717/15 1717/20 1717/25 1718/8 1723/25 1724/18 1724/21 1727/1 1727/16 1730/21 1737/17 1741/14 1743/13 1743/18 1744/2 1744/22 1744/25 1745/24 1746/23 1747/22 1752/4 1752/5 1752/6 1752/8 1752/10 1754/11 1754/12 1754/14 1754/23 1757/25 1758/12 1759/6 1759/20 1759/25 1760/12 1760/22 1762/5 1763/13 1776/1 1793/13 1793/18 1794/3 1794/4 1794/20 1794/22 1794/25Mr. Davis' [9] 1683/17 1702/25 1703/10 1705/23 1705/24 1714/21 1715/7 1715/10 1772/10Mr. De Abreu [2] 1878/6

1945

MMr. De Abreu... [1] 1878/21Mr. Fazel [16] 1738/4 1738/22 1740/13 1747/4 1748/10 1767/13 1772/18 1773/6 1777/10 1781/17 1782/7 1785/15 1810/17 1811/19 1812/10 1913/19Mr. Ferrance [2] 1883/6 1883/7Mr. Frank [1] 1877/17Mr. Gallagher [14] 1848/6 1848/7 1848/9 1848/17 1848/24 1848/25 1849/3 1849/5 1849/6 1849/9 1850/19 1850/21 1850/23 1850/25Mr. Green [1] 1764/19Mr. Haley [5] 1703/9 1704/4 1704/9 1714/22 1715/5Mr. Haley's [3] 1703/17 1703/19 1704/17Mr. Hewlett [16] 1831/1 1831/5 1831/11 1831/17 1831/19 1832/4 1832/19 1832/22 1832/23 1833/13 1833/16 1835/1 1835/10 1836/2 1836/11 1836/16Mr. Holt [1] 1688/15Mr. Jaziri [4] 1777/21 1778/9 1811/11 1811/16Mr. King [15] 1889/21 1894/24 1895/2 1895/10 1898/4 1899/22 1899/25 1901/12 1902/12 1902/18 1903/4 1903/16 1903/23 1904/16 1905/15Mr. King's [2] 1889/16 1897/4Mr. Leroy [4] 1888/23 1889/13 1894/21 1901/1Mr. Mathurin [3] 1820/10 1891/19 1892/18Mr. Mathurin's [1] 1891/16Mr. O'Brien [8] 1859/4 1859/5 1860/20 1861/3 1861/9 1862/9 1862/15 1863/5Mr. Palimden [3] 1751/4 1751/24 1751/24Mr. Parras [2] 1819/19 1887/18Mr. Parras' [2] 1822/1 1896/11Mr. Patrick [2] 1858/20 1859/12Mr. Paul [1] 1822/16Mr. Peter [3] 1877/17 1880/7 1883/4Mr. Queeley [11] 1878/7 1878/22 1880/9 1880/17 1880/20 1881/21 1883/9 1883/20 1884/5 1884/8 1884/13Mr. Rodney [1] 1850/12Mr. Scardino [2] 1627/16 1627/19Mr. Stanford [204] 1625/15 1627/3 1659/20 1659/24 1660/7 1661/24 1663/6 1663/15 1664/3 1666/16 1667/24 1672/15 1680/23 1681/10 1681/17 1682/1 1682/2 1682/11 1682/12

1685/15 1686/4 1686/5 1686/14 1686/16 1686/17 1686/20 1688/15 1689/25 1690/16 1691/4 1693/6 1694/10 1694/15 1694/19 1695/17 1695/25 1696/6 1702/11 1709/20 1712/6 1714/12 1714/20 1715/5 1715/9 1715/16 1715/19 1717/18 1718/4 1718/7 1718/11 1718/20 1724/6 1724/9 1724/22 1725/9 1726/25 1727/15 1730/21 1737/11 1737/20 1737/25 1740/2 1740/8 1741/2 1741/6 1741/8 1741/15 1741/20 1741/21 1743/1 1743/2 1743/21 1744/12 1744/21 1744/25 1745/24 1746/3 1746/5 1746/9 1746/23 1747/13 1747/18 1747/22 1748/20 1749/2 1750/1 1750/25 1752/4 1752/8 1752/10 1753/2 1754/12 1754/15 1754/24 1757/19 1757/25 1758/7 1758/13 1759/20 1760/1 1760/13 1760/15 1760/22 1761/1 1761/7 1761/10 1761/15 1772/8 1782/24 1787/16 1787/17 1788/4 1788/7 1788/12 1793/10 1793/14 1793/18 1793/18 1794/3 1794/4 1794/9 1794/12 1795/9 1795/22 1796/14 1797/2 1798/1 1809/14 1830/19 1834/12 1837/17 1837/20 1837/22 1837/25 1838/3 1838/10 1838/14 1838/18 1839/9 1839/22 1840/7 1840/16 1840/18 1841/8 1841/13 1841/17 1841/22 1842/10 1842/13 1842/15 1842/20 1843/8 1843/16 1843/23 1844/4 1844/9 1844/12 1844/25 1846/8 1847/5 1847/7 1847/20 1848/17 1848/18 1848/23 1848/25 1849/4 1849/8 1850/13 1850/16 1850/24 1851/3 1851/7 1851/8 1852/9 1852/11 1852/19 1853/6 1853/15 1853/17 1854/1 1854/14 1854/15 1856/7 1856/11 1856/12 1856/18 1856/24 1857/24 1858/9 1860/20 1861/13 1861/16 1862/10 1868/13 1869/5 1869/16 1869/24 1870/20 1872/9 1873/16 1880/4 1889/22 1905/16Mr. Stanford's [15] 1637/4 1674/3 1695/13 1745/18 1746/19 1835/21 1835/23 1844/16 1847/10 1849/15 1849/22 1849/24 1850/20 1852/22 1859/13Mr. Stein [1] 1665/14Mr. Trevor [2] 1884/9 1891/15Mr. Wade [2] 1705/21 1715/9Mr. Warren [21] 1617/1 1662/11 1662/12 1662/14

1662/17 1662/18 1662/22 1668/5 1675/23 1676/24 1723/9 1788/24 1793/8 1795/4 1798/25 1801/25 1889/6 1907/15 1909/7 1909/14 1914/8Mr. Williams [2] 1662/5 1662/8Mr. Wrenford [1] 1883/4Mr. Zarich [7] 1628/14 1631/7 1631/9 1711/20 1713/23 1714/18 1715/19Mrs. [2] 1709/22 1743/13Mrs. Holt [1] 1709/22Mrs. Pendergest-Holt [1] 1743/13Ms [13] 1657/12 1686/23 1711/23 1717/15 1730/8 1737/10 1762/5 1825/3 1844/1 1845/9 1847/16 1878/6 1886/10Ms. [151] 1627/4 1647/21 1648/5 1648/7 1648/23 1651/1 1652/24 1653/24 1654/3 1654/24 1656/15 1657/1 1657/24 1658/16 1659/16 1661/18 1662/2 1666/8 1674/24 1680/10 1680/14 1680/14 1680/19 1681/11 1681/18 1682/1 1682/6 1683/15 1683/16 1684/17 1688/16 1690/12 1690/23 1693/4 1695/15 1701/23 1702/9 1702/16 1705/19 1706/23 1709/6 1710/21 1712/4 1714/9 1714/17 1715/12 1715/20 1717/10 1718/8 1724/2 1737/16 1740/3 1741/3 1741/14 1742/13 1743/19 1743/20 1744/2 1744/22 1746/2 1746/2 1746/5 1746/8 1746/23 1763/13 1775/11 1776/1 1793/17 1794/20 1794/22 1794/25 1794/25 1811/14 1811/17 1817/12 1817/14 1820/4 1825/15 1826/9 1830/18 1831/3 1832/18 1835/1 1835/21 1836/2 1836/18 1837/24 1839/8 1843/15 1845/19 1846/18 1847/23 1848/4 1848/23 1849/15 1851/11 1852/3 1852/23 1853/2 1855/3 1855/19 1857/7 1857/19 1861/7 1862/9 1862/21 1862/23 1864/1 1865/3 1865/7 1866/6 1866/19 1867/10 1868/3 1868/4 1870/12 1870/20 1872/8 1873/6 1874/23 1875/4 1875/13 1875/21 1877/16 1879/20 1880/3 1880/17 1881/3 1881/16 1884/5 1885/4 1885/13 1887/20 1888/24 1889/10 1892/8 1892/18 1893/1 1894/7 1895/6 1897/7 1900/20 1902/5 1902/12 1902/16 1902/18 1903/4 1903/23 1904/16 1905/15 1909/15Ms. Crick [76] 1817/12 1817/14 1820/4 1825/15

1946

MMs. Crick... [72] 1826/9 1830/18 1831/3 1832/18 1835/1 1835/21 1836/2 1836/18 1837/24 1839/8 1843/15 1845/19 1846/18 1847/23 1848/4 1848/23 1849/15 1851/11 1852/23 1853/2 1855/3 1855/19 1857/7 1857/19 1861/7 1862/9 1862/21 1862/23 1864/1 1865/3 1865/7 1866/6 1866/19 1867/10 1868/3 1868/4 1870/12 1870/20 1872/8 1873/6 1874/23 1875/4 1875/13 1875/21 1877/16 1879/20 1880/3 1880/17 1881/3 1881/16 1884/5 1885/4 1885/13 1887/20 1888/24 1889/10 1892/8 1892/18 1893/1 1894/7 1895/6 1897/7 1900/20 1902/5 1902/12 1902/16 1902/18 1903/4 1903/23 1904/16 1905/15 1909/15Ms. Crick's [1] 1852/3Ms. Davis [1] 1794/25Ms. Holt [64] 1627/4 1647/21 1648/5 1648/7 1648/23 1651/1 1652/24 1653/24 1654/3 1654/24 1656/15 1657/1 1657/24 1658/16 1659/16 1661/18 1662/2 1680/10 1680/14 1680/14 1680/19 1681/11 1681/18 1682/1 1682/6 1683/15 1683/16 1684/17 1688/16 1690/12 1690/23 1693/4 1695/15 1701/23 1702/9 1702/16 1710/21 1712/4 1714/9 1714/17 1715/20 1717/10 1718/8 1724/2 1737/16 1740/3 1741/3 1743/20 1744/2 1744/22 1746/2 1746/2 1746/5 1746/8 1746/23 1763/13 1775/11 1776/1 1793/17 1794/20 1794/22 1794/25 1811/14 1811/17Ms. Laura [1] 1666/8Ms. Maldonado [1] 1674/24Ms. Pendergest-Holt [7] 1705/19 1706/23 1709/6 1715/12 1741/14 1742/13 1743/19much [22] 1619/24 1637/23 1637/23 1640/7 1653/4 1654/5 1693/9 1693/16 1710/6 1712/10 1719/9 1720/14 1732/8 1740/20 1748/1 1761/2 1789/7 1803/17 1809/1 1843/14 1914/8 1914/9multinational [1] 1814/10multiple [10] 1620/4 1637/17 1675/6 1675/6 1679/22 1705/3 1724/19 1724/20 1887/23 1898/7multiples [1] 1619/2must [2] 1685/5 1846/18mute [2] 1754/4 1902/9mutual [3] 1681/6 1783/17 1783/19

my [88] 1622/1 1622/3 1641/16 1654/17 1662/10 1671/6 1672/4 1672/17 1672/18 1672/24 1680/11 1683/18 1685/20 1687/1 1688/14 1694/3 1695/1 1700/16 1702/13 1704/10 1707/20 1712/11 1715/15 1715/18 1715/22 1719/22 1728/17 1734/19 1752/3 1759/10 1770/21 1777/5 1779/6 1782/18 1782/21 1786/4 1788/25 1790/2 1797/14 1797/25 1798/18 1799/9 1825/2 1827/24 1830/21 1832/1 1835/4 1839/5 1840/22 1841/3 1842/14 1843/12 1843/22 1843/24 1846/2 1846/12 1846/12 1846/21 1847/3 1847/6 1847/11 1850/10 1851/4 1853/16 1854/15 1855/18 1855/20 1856/2 1856/12 1857/6 1861/2 1862/25 1864/13 1864/24 1881/5 1886/16 1886/20 1890/2 1892/2 1894/1 1901/24 1902/18 1906/1 1907/25 1908/1 1911/6 1911/7 1913/3myself [5] 1711/15 1843/14 1855/18 1856/5 1909/22

Nname [24] 1662/10 1664/18 1707/2 1707/10 1707/12 1707/14 1711/20 1731/14 1744/6 1744/7 1778/7 1799/17 1824/25 1825/2 1825/3 1825/6 1825/7 1828/9 1836/13 1836/14 1848/4 1865/15 1865/17 1891/16named [2] 1626/5 1820/9namely [1] 1826/21names [5] 1625/23 1625/25 1639/13 1754/19 1754/22napkin [2] 1787/5 1791/9napkins [1] 1791/4narrative [2] 1855/23 1886/4National [2] 1883/8 1883/10nature [9] 1672/1 1672/1 1681/7 1716/17 1722/19 1729/12 1841/19 1891/5 1891/10near [1] 1668/16necessarily [2] 1760/8 1808/4necessary [5] 1674/10 1675/12 1692/19 1882/18 1914/13need [32] 1616/10 1622/10 1651/17 1657/9 1658/16 1682/2 1719/5 1735/10 1735/12 1735/18 1736/6 1739/19 1754/16 1806/5 1821/8 1822/24 1824/1 1832/25 1835/2 1836/13 1836/25 1844/21 1845/9 1852/19 1852/20 1862/11 1871/24 1871/25 1900/7 1902/6 1909/24 1914/7needed [7] 1627/17 1645/1 1645/5 1736/9 1831/5 1831/11 1849/3needs [6] 1629/4 1630/12

1660/14 1675/13 1690/19 1863/19negative [14] 1643/2 1643/3 1682/21 1683/3 1685/6 1685/9 1685/14 1685/22 1685/25 1686/24 1737/12 1741/17 1762/7 1784/21negotiated [1] 1649/16neither [1] 1821/2nephew [1] 1710/3neutralize [3] 1658/1 1658/3 1658/4never [13] 1619/24 1639/2 1653/9 1653/10 1653/22 1686/16 1711/8 1711/13 1722/15 1765/10 1771/5 1772/16 1877/7new [9] 1613/17 1752/21 1752/22 1831/20 1831/24 1858/13 1882/1 1889/16 1906/14newly [2] 1629/7 1629/21news [3] 1645/9 1646/4 1650/1newspaper [4] 1841/14 1841/20 1841/24 1842/11next [25] 1628/2 1628/17 1630/13 1633/2 1633/21 1648/12 1686/4 1713/15 1732/17 1755/17 1757/22 1758/16 1771/7 1788/10 1796/8 1796/8 1796/20 1800/20 1801/10 1801/11 1808/1 1817/8 1834/3 1879/15 1903/21nice [2] 1736/17 1796/1nickname [2] 1639/8 1639/21nine [3] 1619/3 1644/8 1829/16no [347] Noah [1] 1642/1Noah's [2] 1641/19 1641/25nobody [2] 1673/21 1805/25nods [1] 1656/10nomenclature [1] 1722/25None [6] 1637/20 1654/2 1687/14 1706/10 1842/12 1899/4nonresponsive [5] 1832/9 1832/12 1844/20 1848/19 1885/9noon [2] 1688/2 1736/18nor [1] 1821/3normal [6] 1808/16 1858/23 1882/14 1882/16 1884/17 1884/19not [324] note [6] 1627/16 1692/15 1755/25 1759/5 1760/7 1800/6noted [3] 1625/15 1840/23 1872/9notes [5] 1616/22 1728/17 1910/22 1910/24 1911/4nothing [24] 1639/18 1647/25 1673/12 1697/19 1703/24 1706/3 1706/5 1706/6 1722/5 1722/20 1722/22 1723/5 1723/18 1724/11 1736/3 1772/21 1804/23 1805/1 1817/17 1862/16 1882/16 1908/8 1910/12 1910/13notice [2] 1795/12 1869/25noticed [1] 1708/19

1947

Nnotification [1] 1876/4November [6] 1644/1 1758/2 1758/3 1758/5 1868/5 1869/18November 5th [2] 1758/2 1758/5November 7th [1] 1758/3now [133] 1621/18 1622/8 1623/1 1623/24 1624/11 1631/7 1631/22 1632/16 1638/20 1642/5 1643/19 1649/23 1651/12 1651/18 1654/3 1654/8 1655/23 1657/19 1659/22 1661/5 1664/14 1665/16 1668/4 1668/16 1669/3 1670/9 1670/11 1671/19 1671/24 1675/23 1676/24 1680/17 1681/10 1681/12 1687/21 1691/3 1691/6 1691/10 1692/11 1696/25 1697/21 1698/8 1698/22 1699/24 1701/3 1701/25 1706/22 1708/2 1712/25 1716/5 1718/23 1719/16 1719/24 1720/10 1721/13 1723/8 1724/12 1725/13 1727/20 1731/20 1734/10 1734/21 1735/3 1736/5 1736/15 1737/19 1739/22 1743/1 1747/23 1750/11 1750/14 1751/13 1752/4 1754/13 1755/1 1756/12 1759/24 1761/6 1761/9 1764/5 1764/21 1765/10 1766/9 1772/24 1773/16 1782/7 1785/20 1786/9 1793/8 1798/6 1800/18 1806/7 1806/25 1807/11 1817/5 1817/16 1818/22 1828/9 1834/4 1835/18 1837/17 1853/15 1853/17 1854/15 1854/21 1855/22 1863/8 1867/7 1867/23 1868/17 1870/16 1873/1 1875/9 1875/9 1883/22 1887/12 1887/13 1888/9 1892/9 1893/6 1895/25 1896/24 1897/11 1898/18 1899/12 1901/5 1901/19 1901/23 1905/1 1906/1 1906/17 1907/4 1907/9number [38] 1623/22 1638/20 1693/16 1699/19 1719/16 1737/19 1738/9 1738/12 1739/5 1739/6 1748/10 1750/10 1762/6 1762/6 1763/14 1779/13 1782/10 1782/11 1782/13 1782/14 1783/6 1783/8 1783/20 1784/1 1784/17 1785/6 1785/9 1796/21 1802/13 1834/21 1856/13 1857/22 1858/5 1870/12 1872/9 1873/6 1873/11 1881/24Number 1 [8] 1737/19 1738/9 1738/12 1739/5 1739/6 1748/10 1870/12 1872/9Number 127 [1] 1802/13Number 208 [1] 1796/21Number 4 [2] 1873/6 1873/11number one [1] 1699/19

numbered [1] 1738/9numbers [56] 1657/20 1657/21 1658/8 1676/24 1677/25 1681/18 1681/24 1682/10 1682/20 1683/2 1684/12 1684/21 1685/3 1685/3 1685/6 1685/6 1685/10 1685/10 1685/14 1685/23 1685/24 1685/25 1686/1 1686/10 1686/12 1686/14 1686/23 1688/16 1689/2 1689/3 1690/13 1690/15 1717/4 1717/6 1717/15 1718/8 1718/15 1737/11 1737/20 1741/9 1741/15 1741/17 1741/18 1741/19 1741/21 1742/24 1743/9 1756/12 1784/10 1793/14 1794/23 1801/14 1801/15 1801/18 1801/21 1805/8NW [1] 1613/17NYC [1] 1640/15

OO'Brien [11] 1858/20 1859/4 1859/4 1859/5 1859/12 1860/20 1861/3 1861/9 1862/9 1862/15 1863/5o'clock [1] 1735/5object [34] 1632/1 1632/9 1638/17 1662/9 1695/2 1713/12 1738/11 1740/12 1748/4 1750/7 1750/9 1752/10 1758/22 1761/18 1768/10 1769/1 1774/1 1776/13 1776/14 1784/18 1786/12 1787/19 1790/20 1799/22 1803/13 1821/10 1836/4 1863/8 1868/14 1870/23 1871/20 1880/11 1892/2 1899/7objected [2] 1883/23 1901/21objecting [5] 1620/25 1621/20 1777/4 1834/18 1900/11objection [99] 1622/1 1622/4 1639/11 1692/20 1695/8 1696/1 1696/9 1712/23 1714/23 1725/3 1725/11 1727/4 1738/3 1738/20 1752/3 1752/25 1755/1 1755/23 1756/17 1759/10 1759/17 1760/3 1760/3 1769/8 1773/3 1774/4 1776/11 1777/23 1778/11 1779/4 1779/6 1779/17 1779/19 1780/11 1780/20 1784/6 1784/11 1789/18 1797/3 1800/11 1803/19 1819/24 1820/12 1821/20 1831/7 1831/13 1832/9 1834/24 1835/17 1836/9 1844/17 1844/20 1845/13 1848/11 1848/19 1852/5 1864/24 1866/1 1867/5 1870/5 1871/25 1874/11 1875/6 1875/8 1875/10 1879/9 1879/25 1883/12 1885/9 1886/4 1887/17 1889/1 1889/3 1893/12 1894/1 1894/17 1894/18 1894/20 1895/15 1898/15 1899/11 1899/23 1900/13 1901/13 1901/14 1901/17 1902/21 1904/5

1904/17 1905/22 1908/1 1908/3 1909/4 1912/8 1912/12 1912/14 1912/18 1913/4 1913/6objections [3] 1627/24 1687/13 1892/2obligation [3] 1842/9 1842/12 1851/6observations [1] 1893/14observed [4] 1820/20 1821/21 1821/23 1840/10obstructionist [3] 1862/17 1863/7 1863/19obtain [4] 1698/23 1701/10 1709/14 1709/16obtained [2] 1699/21 1743/12obtaining [3] 1709/6 1709/17 1734/14obviously [2] 1685/4 1734/5occasion [1] 1793/23occasionally [1] 1732/1occasions [1] 1635/25occur [3] 1819/6 1877/2 1877/3occurred [2] 1739/22 1752/7ocean [1] 1639/17October [2] 1757/13 1796/25October 31st [2] 1757/13 1796/25off [19] 1617/15 1620/17 1646/9 1688/9 1750/17 1750/19 1760/10 1770/16 1782/25 1783/4 1787/13 1902/8 1906/23 1913/13 1913/14 1914/4 1914/5 1914/6 1914/14offense [1] 1671/4offer [7] 1751/7 1751/10 1753/15 1759/3 1759/4 1780/9 1862/3offered [3] 1754/7 1779/10 1851/24offering [5] 1627/23 1650/3 1750/8 1750/24 1752/24offhand [1] 1907/8office [27] 1633/1 1636/14 1637/10 1637/13 1703/12 1711/14 1745/7 1745/9 1821/19 1843/22 1843/24 1850/5 1850/10 1853/16 1853/16 1853/18 1853/20 1853/21 1853/22 1854/15 1855/18 1855/21 1856/2 1856/13 1861/2 1864/9 1883/7officer [9] 1628/7 1628/9 1628/9 1628/11 1628/15 1629/8 1629/22 1834/5 1881/9officer's [1] 1628/12officers [2] 1807/18 1821/23offices [3] 1821/18 1858/13 1858/15official [10] 1614/9 1820/13 1823/3 1823/7 1824/10 1851/3 1871/5 1893/18 1893/19 1914/24offshore [3] 1815/9 1836/24 1837/12often [10] 1669/23 1744/25 1745/2 1745/5 1745/21 1746/2 1793/10 1809/10 1809/13 1827/25oh [16] 1617/13 1627/15

1948

Ooh... [14] 1650/9 1655/9 1657/20 1673/19 1699/11 1714/19 1715/25 1721/20 1735/3 1770/9 1783/5 1795/22 1803/18 1818/13oil [3] 1691/25 1692/1 1692/1okay [247] 1616/16 1619/11 1620/11 1622/8 1626/18 1646/21 1647/13 1649/3 1651/12 1651/17 1655/13 1660/12 1660/21 1661/1 1661/4 1661/5 1661/14 1661/15 1661/20 1662/4 1663/10 1663/14 1664/6 1664/16 1664/19 1665/1 1665/14 1665/16 1665/18 1665/24 1667/11 1667/15 1667/20 1668/4 1668/12 1668/16 1668/17 1668/20 1669/3 1669/17 1669/22 1670/5 1670/13 1671/19 1671/24 1672/4 1672/5 1672/6 1672/9 1672/11 1674/6 1674/23 1675/23 1676/20 1677/4 1677/5 1677/25 1678/20 1678/22 1680/17 1680/19 1681/8 1681/21 1681/25 1682/5 1682/12 1683/8 1684/7 1684/23 1685/8 1687/10 1687/15 1687/18 1688/14 1688/19 1689/16 1690/12 1691/3 1691/5 1691/8 1691/9 1696/13 1696/17 1696/19 1696/25 1697/13 1697/15 1698/20 1699/2 1699/16 1700/14 1700/17 1700/21 1701/3 1701/15 1701/22 1701/23 1701/24 1702/4 1702/11 1702/21 1703/7 1706/20 1707/5 1707/9 1707/13 1707/18 1707/21 1710/19 1710/23 1711/1 1711/15 1712/4 1712/17 1712/21 1712/25 1713/2 1717/10 1718/4 1718/4 1719/24 1720/1 1720/4 1720/10 1720/18 1723/12 1723/18 1723/21 1724/9 1725/11 1727/11 1727/20 1728/6 1728/15 1729/24 1730/11 1730/20 1733/2 1734/24 1735/24 1736/23 1737/4 1737/14 1737/17 1737/19 1737/23 1739/12 1739/12 1739/19 1739/21 1741/6 1741/12 1744/11 1748/14 1748/17 1754/6 1762/25 1769/14 1769/14 1769/15 1778/3 1779/12 1780/19 1781/4 1788/10 1789/5 1790/1 1790/10 1792/25 1795/20 1795/25 1797/16 1801/9 1801/12 1804/4 1804/9 1804/16 1804/22 1805/5 1806/7 1806/17 1807/11 1807/14 1807/23 1808/10 1808/20 1809/7 1815/24 1818/1 1818/7 1818/19 1819/5 1822/23

1823/13 1823/19 1831/22 1831/22 1861/15 1862/13 1863/3 1863/22 1864/12 1866/23 1867/24 1868/1 1868/23 1870/15 1870/16 1871/8 1872/6 1872/25 1873/22 1875/9 1878/1 1878/4 1880/14 1881/1 1881/14 1883/17 1885/17 1888/14 1889/4 1894/4 1895/18 1895/25 1896/15 1896/20 1898/15 1899/13 1901/23 1901/24 1904/14 1905/21 1906/2 1906/3 1906/10 1906/17 1906/23 1906/24 1907/10 1908/15 1908/22 1910/18 1913/13 1914/4 1914/11 1914/14old [3] 1711/13 1825/9 1825/10on [373] on-site [2] 1875/16 1877/2onboard [4] 1642/1 1661/14 1703/2 1887/22once [10] 1619/21 1620/3 1689/13 1689/14 1711/2 1714/8 1758/18 1841/12 1844/15 1890/24one [97] 1624/6 1627/15 1631/15 1631/18 1635/24 1636/20 1637/17 1645/5 1646/7 1646/8 1648/14 1649/13 1649/14 1650/17 1669/4 1669/11 1669/14 1669/15 1669/20 1675/5 1675/12 1676/1 1676/9 1676/14 1679/8 1683/18 1683/23 1688/15 1692/5 1699/19 1702/25 1703/10 1704/21 1705/1 1705/12 1707/6 1708/25 1715/6 1716/7 1716/19 1727/22 1728/16 1732/16 1732/17 1733/23 1735/10 1737/7 1738/18 1742/20 1743/5 1749/17 1751/5 1754/16 1755/17 1755/25 1761/13 1765/23 1790/3 1790/22 1792/14 1794/1 1796/8 1796/20 1797/25 1799/3 1799/16 1800/8 1800/23 1804/8 1808/1 1809/13 1810/1 1812/18 1821/7 1822/20 1834/21 1837/14 1841/11 1842/16 1843/6 1843/19 1843/21 1849/20 1849/21 1852/15 1856/2 1858/24 1864/17 1864/20 1880/15 1882/8 1891/7 1899/8 1902/7 1903/17 1910/15 1910/18one-week [1] 1843/21one-year [1] 1669/11ones [9] 1625/19 1626/13 1642/12 1642/13 1736/25 1794/23 1795/1 1897/6 1897/7ongoing [1] 1726/11only [25] 1619/20 1625/15 1625/19 1625/23 1633/20 1636/20 1649/15 1656/9 1662/1 1676/1 1679/3 1690/10 1702/13 1721/23 1729/10 1765/8 1773/24 1774/7 1776/8

1789/8 1893/13 1899/16 1899/18 1907/20 1908/23open [4] 1824/17 1902/1 1905/1 1906/1opened [1] 1783/18operate [5] 1852/20 1852/23 1852/24 1858/14 1873/25operated [5] 1633/7 1813/4 1846/5 1857/23 1858/6operating [8] 1628/6 1628/8 1770/4 1837/12 1865/24 1865/25 1881/8 1890/20operation [11] 1732/15 1780/16 1795/1 1857/13 1857/19 1857/21 1857/24 1858/9 1858/11 1858/17 1874/23operations [3] 1853/19 1857/22 1890/15operators [1] 1839/14opinion [30] 1641/16 1704/17 1705/8 1706/11 1707/18 1707/20 1708/7 1708/8 1708/9 1709/2 1710/5 1710/23 1711/16 1712/11 1769/5 1774/11 1808/2 1808/4 1854/8 1854/9 1856/8 1860/11 1860/12 1860/14 1860/16 1860/24 1861/1 1861/1 1861/4 1861/6opinions [3] 1807/16 1807/17 1808/5opportunity [2] 1739/16 1842/14opposed [2] 1641/15 1827/21or [241] 1618/25 1619/2 1619/21 1619/24 1620/17 1623/8 1623/17 1625/19 1626/1 1626/10 1633/12 1635/18 1635/24 1637/1 1639/2 1640/5 1640/15 1642/3 1643/15 1644/20 1647/6 1648/12 1655/19 1656/1 1657/2 1657/16 1658/12 1662/22 1663/6 1663/25 1664/23 1669/15 1669/17 1669/20 1670/20 1670/20 1671/14 1671/24 1671/25 1674/24 1675/19 1681/8 1681/10 1682/8 1688/16 1689/7 1689/25 1690/3 1690/17 1690/22 1693/25 1696/12 1697/1 1698/20 1698/22 1700/15 1701/15 1702/1 1703/5 1703/25 1704/14 1704/21 1705/3 1706/9 1708/6 1708/22 1708/25 1709/3 1709/19 1709/22 1710/2 1710/7 1710/7 1710/20 1711/6 1711/23 1712/8 1712/13 1713/21 1714/24 1716/12 1716/12 1716/12 1717/1 1720/24 1721/2 1721/2 1722/15 1723/5 1723/14 1724/21 1725/4 1725/7 1725/8 1725/12 1725/22 1727/5 1727/8 1727/9 1728/6 1728/22 1729/14 1730/8 1732/12 1732/21 1733/4 1733/17 1735/5 1739/7 1740/14 1743/4 1746/19 1747/13 1747/14 1750/6

1949

Oor... [126] 1750/8 1753/9 1753/22 1755/7 1756/21 1759/8 1759/9 1761/13 1762/10 1762/21 1768/1 1769/14 1770/23 1771/12 1772/13 1773/20 1776/6 1777/14 1778/17 1782/17 1783/7 1783/19 1783/24 1784/25 1785/23 1786/15 1787/23 1791/9 1792/14 1792/17 1793/2 1799/4 1801/15 1801/21 1801/24 1803/2 1805/3 1807/8 1807/18 1807/18 1807/21 1808/7 1809/13 1810/5 1810/10 1810/14 1813/4 1813/10 1813/12 1816/2 1817/20 1820/20 1821/2 1821/17 1821/18 1821/19 1822/5 1822/11 1822/17 1826/3 1828/15 1829/11 1829/18 1830/19 1833/6 1834/5 1836/22 1837/9 1838/21 1839/24 1840/9 1840/24 1842/7 1842/10 1848/2 1848/9 1848/10 1856/15 1859/11 1859/19 1863/12 1863/13 1867/23 1867/24 1873/19 1874/4 1874/5 1874/21 1877/20 1879/17 1879/22 1884/5 1885/14 1885/14 1887/8 1892/12 1893/12 1893/19 1893/20 1893/22 1893/23 1897/2 1897/12 1897/13 1897/15 1897/18 1898/18 1900/2 1902/5 1902/19 1903/1 1905/8 1906/10 1906/16 1907/7 1908/7 1908/9 1908/10 1908/22 1909/5 1909/5 1909/8 1910/22 1910/24 1911/4 1911/9orange [2] 1692/2 1692/3order [7] 1695/15 1695/24 1698/22 1701/10 1736/12 1755/10 1869/19ordered [2] 1736/11 1893/17orders [3] 1660/9 1829/8 1854/16ordinance [3] 1869/19 1870/14 1873/12ordinary [1] 1751/4organization [3] 1641/23 1868/21 1876/7organizations [1] 1646/23origin [1] 1828/6original [2] 1655/24 1655/25originally [2] 1825/11 1825/12originate [1] 1869/14other [73] 1619/19 1620/6 1626/7 1636/21 1636/22 1639/5 1644/3 1646/23 1648/6 1660/21 1667/20 1667/23 1667/23 1667/24 1672/19 1676/25 1698/23 1699/21 1710/6 1710/17 1720/13 1724/25 1728/10 1730/17 1733/10 1737/7 1745/21 1751/9 1755/9 1758/1 1761/13

1772/17 1774/19 1777/11 1777/21 1778/9 1779/1 1779/7 1784/15 1788/17 1789/20 1791/23 1792/14 1796/11 1799/19 1809/13 1812/22 1821/24 1822/11 1826/3 1829/1 1839/14 1842/24 1843/1 1861/18 1866/16 1867/13 1867/21 1869/11 1871/9 1871/12 1879/16 1879/21 1881/9 1883/11 1884/5 1885/10 1893/17 1894/9 1898/7 1899/6 1900/6 1900/16others [3] 1637/18 1713/8 1756/11otherwise [5] 1701/16 1824/3 1896/21 1900/12 1909/5ought [3] 1715/24 1729/14 1905/25our [18] 1636/5 1640/6 1654/15 1657/21 1658/1 1659/2 1718/5 1729/14 1735/6 1762/13 1802/17 1805/12 1814/7 1874/3 1896/8 1912/11 1912/18 1914/9ourselves [1] 1882/1out [60] 1623/24 1643/12 1644/6 1644/11 1644/12 1644/14 1645/2 1645/6 1654/21 1655/23 1656/8 1663/1 1667/20 1668/1 1670/3 1670/8 1673/20 1680/7 1689/10 1691/22 1692/1 1695/17 1703/12 1732/11 1732/20 1733/3 1740/8 1742/6 1744/13 1748/2 1761/15 1775/4 1787/18 1788/5 1788/12 1789/3 1796/5 1798/9 1805/11 1807/3 1807/14 1808/2 1818/5 1818/21 1823/8 1852/16 1853/9 1862/2 1867/7 1867/7 1870/21 1872/21 1873/19 1873/20 1874/24 1884/12 1896/5 1906/3 1909/24 1912/3outlined [1] 1629/10outlook [3] 1637/14 1689/4 1800/25output [1] 1763/14outside [4] 1813/21 1843/12 1904/21 1904/24outweighs [1] 1819/22over [37] 1631/11 1640/6 1648/12 1663/10 1664/7 1675/10 1698/9 1702/2 1723/12 1728/17 1743/21 1755/9 1756/6 1795/23 1798/1 1798/7 1799/24 1803/12 1808/15 1858/19 1858/21 1859/10 1859/12 1859/15 1860/5 1860/7 1860/14 1860/17 1860/25 1861/5 1864/12 1872/1 1887/21 1896/8 1896/9 1901/12 1908/6overall [2] 1647/15 1690/19overhead [4] 1718/24 1719/2 1771/10 1889/8overrule [8] 1759/17 1779/18 1780/20 1803/19 1834/24 1852/5 1879/25 1901/15overruled [42] 1632/12

1632/12 1638/18 1639/12 1695/10 1758/23 1769/2 1769/10 1776/16 1777/25 1778/3 1778/14 1786/14 1787/21 1790/21 1800/5 1821/13 1821/14 1831/18 1833/2 1833/10 1836/6 1848/13 1848/13 1849/19 1854/18 1855/25 1862/13 1868/18 1870/6 1871/22 1871/25 1883/14 1885/10 1892/4 1892/6 1894/19 1895/16 1904/9 1904/20 1905/23 1906/4overruling [1] 1901/14oversaw [3] 1652/3 1652/5 1721/22overseas [1] 1723/14oversee [4] 1629/9 1630/19 1631/3 1632/17overseeing [3] 1626/8 1824/4 1884/10oversight [2] 1623/1 1631/7own [9] 1655/15 1669/23 1740/13 1767/14 1767/22 1797/1 1838/22 1854/1 1901/10owned [12] 1643/20 1649/14 1652/15 1663/6 1672/14 1766/7 1784/16 1784/24 1831/3 1834/12 1838/18 1844/9owner [4] 1663/2 1686/21 1715/23 1838/15ownership [1] 1649/12owning [2] 1768/2 1768/2owns [2] 1854/20 1854/23

Ppacket [3] 1739/7 1739/8 1739/10page [37] 1615/2 1628/2 1628/17 1628/18 1629/16 1629/23 1630/1 1630/6 1630/13 1630/15 1632/19 1634/9 1719/5 1719/5 1730/4 1730/25 1731/12 1739/7 1748/12 1748/15 1759/4 1769/16 1769/22 1770/14 1779/25 1780/22 1781/11 1800/20 1800/21 1800/22 1801/10 1801/11 1801/12 1811/24 1812/2 1813/18 1907/12Page 1 [1] 1739/7Page 11 [1] 1719/5Page 19 [1] 1629/23Page 2 [1] 1628/18Page 20 [2] 1769/16 1811/24Page 21 [3] 1730/4 1730/25 1770/14Page 22 [2] 1632/19 1731/12Page 3 [1] 1813/18Page 30 [2] 1634/9 1907/12pages [1] 1781/5paid [9] 1770/22 1771/11 1771/13 1827/18 1827/23 1827/24 1828/2 1847/11 1858/13paint [1] 1661/1Palimden [6] 1693/24 1749/17 1751/4 1751/24 1751/24

1950

PPalimden... [1] 1810/7Panama [8] 1666/18 1666/23 1667/2 1667/4 1667/12 1667/13 1677/20 1757/17panel [1] 1829/14paper [3] 1787/5 1791/4 1791/9paperwork [3] 1792/19 1792/20 1792/21paragraph [13] 1628/21 1628/24 1629/15 1633/21 1731/1 1731/4 1731/13 1731/20 1731/21 1771/7 1807/11 1808/2 1814/2parameters [1] 1630/20Pardon [2] 1728/13 1911/2Parras [3] 1614/3 1819/19 1887/18Parras' [2] 1822/1 1896/11part [63] 1628/20 1631/2 1631/22 1643/23 1646/18 1669/8 1675/14 1676/14 1676/14 1676/18 1689/24 1689/24 1694/11 1710/8 1722/15 1724/6 1727/18 1734/1 1740/25 1741/3 1782/17 1782/19 1782/19 1783/7 1783/7 1783/9 1783/10 1783/11 1783/20 1783/22 1783/24 1784/25 1788/17 1790/7 1790/8 1800/15 1807/5 1808/11 1808/20 1808/21 1808/24 1814/20 1826/25 1829/10 1837/22 1838/21 1840/5 1846/6 1849/14 1865/12 1866/6 1867/10 1867/13 1867/22 1874/6 1875/21 1884/24 1885/3 1885/6 1894/23 1900/17 1900/22 1905/3particular [9] 1631/15 1690/24 1763/3 1781/7 1811/6 1826/25 1832/2 1844/5 1873/6partner [1] 1831/2partnership [1] 1832/20parts [1] 1667/7party [1] 1778/12pass [13] 1660/11 1737/8 1744/15 1788/20 1809/7 1816/15 1816/21 1817/2 1908/11 1908/12 1908/13 1908/14 1908/15passed [4] 1654/17 1662/4 1743/14 1828/7past [3] 1808/8 1905/17 1905/19Patricia [2] 1634/19 1651/23Patrick [3] 1858/20 1859/4 1859/12Paul [3] 1617/3 1822/16 1822/20pay [9] 1695/16 1782/25 1783/4 1787/13 1790/15 1790/19 1846/21 1858/9 1858/12paycheck [2] 1734/20 1734/22paying [3] 1642/23 1858/7 1858/15PE [2] 1705/3 1705/5PE's [2] 1679/19 1679/21

Pendergest [23] 1620/2 1631/21 1644/13 1644/19 1647/20 1652/6 1661/17 1666/8 1682/24 1700/9 1705/19 1706/17 1706/23 1706/25 1707/25 1708/1 1709/6 1711/19 1715/12 1741/14 1742/13 1743/13 1743/19Pendergest-Holt [10] 1620/2 1631/21 1644/13 1647/20 1652/6 1666/8 1706/17 1706/25 1708/1 1711/19Pendergest-Holt's [1] 1700/9people [33] 1619/4 1626/4 1629/3 1638/21 1639/2 1639/5 1644/3 1662/1 1664/3 1667/18 1667/23 1680/6 1689/11 1702/8 1702/18 1709/19 1716/25 1717/15 1718/17 1724/13 1724/25 1725/22 1726/19 1727/1 1728/23 1729/5 1733/7 1751/22 1775/11 1776/2 1794/23 1843/1 1858/15people's [1] 1776/22per [1] 1629/8percent [32] 1625/13 1647/1 1647/10 1654/20 1655/3 1663/2 1678/12 1679/3 1682/8 1682/9 1690/7 1694/17 1696/11 1703/23 1721/9 1721/11 1721/16 1721/17 1721/18 1721/23 1721/25 1722/1 1722/3 1764/13 1771/9 1771/10 1789/8 1789/16 1805/6 1815/3 1862/20 1863/1percentage [5] 1674/7 1718/18 1721/4 1721/6 1789/7percentages [1] 1722/11Perfect [1] 1669/3performance [4] 1693/2 1740/9 1808/9 1809/22performing [1] 1648/20perhaps [2] 1700/18 1710/5period [17] 1654/6 1669/4 1669/11 1764/15 1781/9 1837/11 1839/21 1856/7 1857/2 1892/23 1895/4 1895/5 1897/19 1897/23 1898/16 1904/21 1905/3periods [1] 1776/4permission [2] 1730/23 1864/8person [20] 1656/9 1675/2 1694/23 1709/3 1709/4 1712/2 1715/2 1745/5 1816/1 1835/9 1835/23 1842/17 1854/23 1859/25 1860/2 1860/3 1860/18 1881/11 1889/10 1889/14personal [22] 1707/23 1707/24 1708/1 1712/18 1755/3 1761/15 1801/15 1801/21 1807/16 1816/25 1846/24 1847/1 1848/11 1864/24 1865/1 1866/1 1866/3 1867/6 1868/16 1869/10 1883/13 1901/2personally [1] 1679/15personnel [5] 1818/16 1820/3 1821/24 1877/11 1877/11persons [5] 1843/2 1846/4

1858/6 1858/13 1874/3perspective [1] 1702/4Peter [3] 1877/17 1880/7 1883/4philosophy [1] 1628/13phone [6] 1747/17 1747/22 1846/24 1850/16 1851/10 1864/12phonetic [2] 1683/17 1685/2photo [1] 1889/2phrase [5] 1725/15 1747/4 1768/12 1768/15 1768/16phrased [1] 1769/19phraseology [1] 1769/20physically [3] 1651/25 1659/13 1701/19pick [5] 1687/24 1691/17 1747/17 1747/22 1864/12picking [1] 1694/12picky [1] 1754/3picture [4] 1661/1 1818/5 1818/6 1899/14pie [3] 1667/7 1667/8 1801/14pin [1] 1842/25pinning [1] 1755/22pitched [1] 1689/19place [12] 1675/12 1731/5 1820/6 1843/22 1877/15 1878/16 1878/19 1888/22 1892/25 1896/13 1900/18 1911/15placed [6] 1736/5 1738/14 1740/15 1854/22 1855/22 1856/4places [3] 1648/14 1692/4 1728/10plan [2] 1882/9 1882/11planes [2] 1745/19 1746/19planning [1] 1729/1plays [1] 1634/23please [107] 1616/3 1616/11 1616/16 1616/25 1617/23 1618/24 1619/13 1621/22 1624/19 1625/5 1627/13 1628/2 1628/4 1628/17 1628/21 1628/23 1629/12 1629/18 1630/6 1630/8 1630/13 1630/23 1632/19 1632/24 1633/21 1634/9 1634/12 1634/20 1635/2 1636/6 1636/11 1637/21 1642/20 1646/17 1648/21 1650/10 1653/15 1655/12 1684/7 1687/18 1691/20 1719/14 1730/5 1731/2 1735/2 1735/6 1735/7 1736/19 1738/5 1740/20 1743/23 1749/6 1750/4 1750/20 1751/18 1756/24 1757/8 1757/22 1758/10 1759/19 1760/19 1760/21 1764/7 1766/20 1766/24 1767/3 1769/17 1769/23 1770/19 1771/7 1772/6 1775/23 1777/7 1781/11 1786/17 1806/6 1811/23 1814/3 1814/5 1814/20 1817/13 1817/14 1824/25 1830/12 1840/6 1841/10 1843/19 1844/12 1844/22 1844/25 1849/11 1850/15 1852/14 1853/8

1951

Pplease... [13] 1856/10 1857/19 1862/15 1868/8 1868/9 1868/12 1869/5 1870/12 1886/8 1886/10 1889/8 1891/9 1903/2pleases [2] 1899/3 1912/7plus [5] 1663/18 1668/14 1669/17 1669/17 1772/13PO [2] 1613/14 1614/7pocket [2] 1655/21 1655/23point [50] 1625/2 1647/5 1651/19 1655/18 1657/7 1659/8 1671/6 1681/17 1685/24 1690/7 1707/2 1707/5 1711/14 1737/25 1740/22 1755/13 1757/6 1764/23 1777/19 1789/5 1789/9 1797/25 1799/9 1819/18 1822/2 1823/9 1823/20 1823/24 1823/24 1824/15 1835/17 1845/14 1848/11 1849/12 1855/23 1862/1 1867/1 1868/14 1870/23 1886/15 1886/20 1896/11 1896/24 1899/1 1899/18 1901/4 1909/16 1909/17 1909/24 1913/3pointed [1] 1874/24police [7] 1819/3 1820/16 1820/17 1821/2 1821/3 1821/23 1822/5Policy [2] 1883/8 1883/10pollute [1] 1823/17Ponzi [3] 1645/9 1645/17 1653/25pooled [3] 1672/19 1699/21 1805/2pooling [2] 1673/10 1785/16pools [1] 1673/1poor [1] 1847/15portfolio [91] 1630/16 1630/19 1631/3 1632/22 1633/3 1633/10 1633/16 1633/25 1634/1 1634/7 1641/8 1641/22 1641/24 1642/2 1642/4 1642/6 1642/7 1642/9 1642/11 1642/21 1643/1 1643/6 1643/20 1643/24 1644/3 1644/6 1644/12 1644/15 1645/22 1647/6 1647/15 1647/24 1650/7 1650/22 1650/23 1650/24 1652/18 1655/6 1656/15 1666/24 1723/15 1727/23 1747/2 1748/21 1749/2 1749/12 1749/13 1749/14 1749/14 1757/3 1757/3 1757/15 1757/16 1757/16 1757/17 1757/18 1757/20 1758/1 1758/4 1758/7 1758/13 1758/14 1758/19 1760/14 1760/23 1761/10 1761/17 1763/9 1764/3 1764/22 1765/8 1770/21 1770/24 1770/24 1770/25 1771/4 1771/5 1771/11 1771/16 1771/19 1781/24 1782/2 1782/5 1785/10 1808/15 1808/18 1809/23 1810/3 1812/5 1812/8 1814/8

portfolio's [1] 1771/9portfolios [9] 1633/24 1641/22 1641/23 1644/9 1650/15 1650/18 1717/14 1758/1 1765/4portion [11] 1634/21 1663/21 1666/16 1676/11 1676/11 1676/17 1718/8 1768/13 1768/17 1786/19 1832/15portion-alternative [1] 1634/21portions [1] 1727/2position [42] 1629/7 1629/21 1644/17 1644/21 1698/5 1701/16 1711/24 1712/1 1712/9 1712/18 1767/5 1808/11 1826/15 1827/2 1827/6 1827/15 1827/16 1829/9 1829/17 1830/2 1834/7 1837/21 1837/25 1838/4 1851/5 1854/21 1856/1 1856/4 1875/25 1878/11 1885/4 1885/23 1885/24 1886/2 1886/11 1886/13 1888/10 1889/16 1889/25 1896/8 1906/4 1907/25positions [8] 1635/4 1698/13 1708/20 1808/6 1808/14 1826/12 1829/1 1888/3positive [21] 1642/24 1679/20 1682/10 1682/21 1683/2 1684/13 1684/16 1684/21 1685/6 1685/10 1685/15 1686/1 1686/24 1690/15 1690/19 1690/25 1741/18 1742/17 1742/21 1742/24 1762/6possession [1] 1880/9possibility [4] 1701/7 1816/4 1823/16 1823/16possible [5] 1701/20 1701/21 1734/9 1805/17 1816/1post [2] 1896/13 1905/12post-receivership [2] 1896/13 1905/12postdate [1] 1818/10postdated [1] 1818/24postdates [2] 1818/11 1818/13potential [6] 1628/13 1637/11 1641/10 1728/23 1729/1 1899/19practice [5] 1726/14 1726/17 1826/10 1830/25 1890/2practices [2] 1674/16 1701/22preacher [2] 1714/22 1715/7predecessor [7] 1828/12 1836/22 1838/1 1848/10 1853/24 1875/22 1887/22predicate [1] 1900/2predominantly [3] 1634/15 1659/17 1659/19prefer [1] 1727/9prejudice [1] 1900/10prejudicial [2] 1819/22 1819/25preparation [1] 1636/5prepare [1] 1736/8prepared [2] 1912/8 1912/11present [8] 1616/2 1616/17 1688/4 1735/9 1736/20 1746/9 1806/10 1908/20presentations [2] 1717/11

1717/13presently [4] 1825/13 1826/12 1829/1 1829/3president [4] 1664/20 1664/24 1665/3 1665/12presidents [1] 1667/24pressure [1] 1713/25Preston [1] 1614/4presume [1] 1754/18pretty [5] 1640/7 1720/14 1798/21 1815/3 1836/10prevented [1] 1774/16previous [3] 1644/8 1811/5 1855/14previously [1] 1622/11price [3] 1679/22 1705/3 1705/5primary [1] 1629/8prime [14] 1838/9 1850/4 1850/7 1850/9 1851/19 1851/20 1852/1 1852/8 1853/12 1854/12 1879/7 1879/8 1879/20 1880/3principal [1] 1770/23prior [13] 1653/24 1703/1 1779/16 1809/19 1811/10 1830/21 1832/13 1859/18 1876/17 1882/8 1884/6 1911/8 1912/12privacy [2] 1729/23 1773/15private [88] 1625/10 1635/10 1635/24 1636/1 1636/2 1640/8 1640/10 1640/11 1640/17 1640/21 1641/2 1641/8 1641/16 1642/15 1643/6 1643/10 1643/20 1648/16 1648/17 1649/4 1649/7 1649/9 1649/11 1650/6 1650/14 1650/23 1651/10 1651/15 1652/9 1652/18 1654/7 1657/1 1657/2 1657/4 1657/6 1657/8 1657/8 1657/10 1657/12 1657/16 1657/17 1661/7 1696/18 1696/20 1696/22 1697/24 1698/2 1698/2 1698/5 1698/6 1698/8 1698/12 1698/12 1698/17 1698/18 1698/22 1698/23 1699/19 1700/3 1700/8 1709/24 1710/4 1710/15 1722/12 1745/19 1745/23 1746/19 1766/4 1766/7 1766/9 1766/13 1767/7 1767/11 1768/2 1768/8 1768/24 1826/10 1828/15 1830/25 1839/19 1840/2 1840/7 1840/8 1840/25 1841/3 1841/5 1855/1 1890/2privately [1] 1649/13privy [5] 1728/6 1728/7 1734/5 1816/2 1851/4probability [1] 1823/16probably [13] 1624/17 1637/1 1650/16 1656/9 1658/13 1660/21 1661/1 1663/10 1709/8 1717/24 1738/24 1823/5 1840/21probative [1] 1819/23problem [12] 1714/3 1714/6 1750/25 1756/4 1756/5 1770/13 1786/21 1787/14 1788/14 1885/25 1886/1 1899/19

1952

Pproblematic [1] 1814/14problems [3] 1674/21 1823/4 1899/20procedure [3] 1628/6 1628/8 1770/4proceed [3] 1617/16 1692/21 1824/18proceeding [1] 1733/18proceedings [5] 1613/24 1822/7 1914/15 1914/16 1914/19process [2] 1642/10 1752/23Proctor [2] 1642/22 1643/17produce [2] 1796/16 1884/21produced [5] 1613/24 1797/8 1797/8 1884/21 1906/20Producer [2] 1716/6 1716/9product [2] 1689/18 1786/5profession [2] 1831/1 1859/6professional [1] 1826/3professionals [1] 1852/21professor [1] 1803/17proffer [1] 1900/8profitable [3] 1771/8 1771/24 1771/25program [15] 1629/20 1637/2 1678/11 1679/18 1679/24 1681/9 1691/16 1692/11 1693/7 1694/12 1694/13 1772/6 1772/7 1772/10 1799/4project [3] 1679/8 1697/10 1799/19projector [1] 1617/17projects [3] 1679/6 1697/16 1799/2promise [1] 1806/16promised [1] 1861/1promoted [1] 1712/18proof [3] 1816/25 1816/25 1834/6properly [1] 1868/15proposed [1] 1869/18proposing [1] 1869/25prosecutor [1] 1791/3prosecutor's [1] 1664/18protected [1] 1906/4protecting [1] 1828/24protective [1] 1814/7protects [2] 1773/24 1774/7prove [6] 1753/13 1754/14 1819/16 1819/17 1898/3 1898/4proved [4] 1755/11 1862/6 1862/8 1900/7provide [2] 1629/19 1741/15provided [4] 1770/3 1798/15 1874/9 1874/15providers [1] 1839/15providing [1] 1630/11provision [1] 1874/3public [5] 1649/14 1649/24 1650/3 1650/19 1821/18publication [2] 1689/8 1808/8publicly [4] 1640/12 1640/13 1649/12 1698/3publish [1] 1627/22Puerto [5] 1635/21 1635/21 1716/7 1716/19 1717/23pull [13] 1620/13 1620/14 1627/6 1642/20 1645/2 1660/2

1660/2 1688/11 1691/22 1753/19 1811/23 1817/20 1907/1pulled [1] 1644/14pulling [4] 1628/25 1629/5 1644/11 1644/12purchase [1] 1786/10purchased [1] 1649/15purchasing [1] 1645/3pure [3] 1672/1 1674/7 1896/22purport [1] 1822/8purpose [12] 1622/2 1637/7 1670/19 1823/22 1831/18 1836/23 1844/16 1852/6 1870/24 1880/1 1881/25 1893/17purposes [2] 1897/25 1899/17pursuant [5] 1821/21 1822/9 1869/16 1893/15 1894/2put [28] 1640/2 1646/7 1646/10 1655/23 1667/8 1673/20 1676/9 1697/4 1701/16 1702/4 1708/23 1713/25 1723/15 1730/14 1730/16 1731/5 1749/17 1755/14 1805/11 1838/24 1857/12 1859/22 1877/14 1878/16 1878/18 1906/16 1912/15 1913/4puts [1] 1655/21putting [2] 1676/8 1788/25

Qqualification [1] 1751/8qualified [1] 1759/4quality [5] 1629/19 1641/12 1641/15 1641/18 1643/2quantity [2] 1641/13 1641/14quarter [4] 1681/24 1759/23 1780/5 1781/4quarterly [4] 1716/18 1716/19 1780/4 1781/8Queeley [14] 1877/17 1878/7 1878/22 1880/7 1880/9 1880/17 1880/20 1881/21 1883/4 1883/9 1883/20 1884/5 1884/8 1884/13queen's [1] 1911/9query [1] 1742/6question [79] 1621/21 1622/4 1623/13 1630/18 1632/2 1632/10 1633/14 1633/24 1638/17 1655/1 1657/12 1705/4 1713/14 1713/15 1715/3 1725/4 1725/13 1727/9 1729/10 1729/10 1761/18 1768/10 1768/19 1769/1 1770/1 1770/6 1770/19 1774/2 1774/3 1774/20 1774/22 1774/25 1778/1 1778/15 1778/16 1778/17 1784/18 1786/13 1786/16 1787/19 1788/1 1788/10 1788/17 1788/18 1790/5 1793/9 1793/9 1803/16 1806/18 1811/5 1812/19 1819/8 1819/21 1831/8 1832/13 1835/1 1835/25 1836/12 1844/22 1844/23 1848/15 1854/19 1862/24 1866/9 1866/10 1866/14 1867/24 1870/16

1872/8 1879/15 1884/3 1884/3 1886/7 1901/18 1902/24 1903/21 1907/23 1907/25 1912/19questioning [3] 1662/23 1748/5 1906/6questions [30] 1630/9 1636/16 1637/13 1637/16 1658/5 1658/6 1662/5 1666/5 1686/18 1690/1 1704/23 1704/24 1708/19 1709/1 1728/24 1729/13 1746/25 1761/1 1767/15 1767/25 1775/10 1782/7 1791/5 1808/20 1814/17 1886/25 1887/16 1887/20 1901/1 1904/1quick [1] 1728/17quickly [9] 1638/9 1643/15 1706/13 1841/12 1844/15 1882/3 1882/4 1882/15 1887/21quiet [1] 1887/12quite [3] 1648/22 1842/4 1844/6

Rraise [6] 1647/17 1735/6 1735/24 1817/14 1838/6 1882/22raises [1] 1900/16ran [7] 1664/4 1667/23 1707/11 1795/1 1799/19 1816/6 1816/11ranch [1] 1715/10ranged [1] 1858/23rat [2] 1838/24 1855/3rate [1] 1721/19rates [4] 1698/17 1717/19 1722/11 1771/10rather [10] 1624/10 1633/25 1649/18 1710/6 1730/7 1740/19 1755/7 1838/17 1859/11 1906/13ratio [20] 1668/18 1668/22 1668/23 1668/25 1669/1 1705/3 1705/5 1705/5 1721/14 1721/23 1722/2 1722/6 1722/8 1802/18 1802/25 1803/1 1803/2 1803/2 1803/23 1803/24re [2] 1790/7 1864/20re-arraignments [1] 1864/20re-ask [1] 1790/7reaction [1] 1847/14read [45] 1628/23 1629/3 1629/18 1630/8 1630/17 1631/22 1632/24 1633/23 1634/12 1646/19 1685/20 1731/8 1737/21 1739/6 1743/23 1758/21 1759/2 1759/12 1759/19 1767/3 1768/12 1768/13 1768/17 1770/19 1778/16 1786/17 1786/19 1807/14 1808/2 1814/5 1832/15 1868/8 1868/9 1868/12 1868/19 1868/19 1869/5 1869/12 1870/12 1872/18 1906/17 1907/22 1908/10 1908/24 1909/20reading [7] 1628/23 1743/24 1758/22 1771/7 1868/20 1869/10 1893/3

1953

Rready [3] 1688/1 1735/7 1908/18real [52] 1625/9 1635/11 1648/15 1648/15 1648/17 1649/4 1649/6 1651/15 1654/7 1654/20 1654/20 1654/21 1654/24 1655/2 1655/4 1655/5 1656/19 1656/20 1656/21 1656/23 1657/17 1657/22 1669/3 1669/8 1669/10 1681/6 1700/7 1700/14 1700/15 1700/15 1700/16 1700/17 1700/21 1700/25 1701/3 1701/6 1701/15 1728/17 1731/8 1762/14 1767/9 1767/13 1767/14 1767/17 1767/19 1767/22 1768/2 1769/6 1799/21 1810/12 1822/25 1823/4reality [7] 1656/16 1656/23 1657/6 1670/20 1670/21 1670/21 1718/18realized [2] 1841/12 1844/15really [6] 1641/23 1646/9 1655/5 1685/25 1765/14 1909/11reap [1] 1698/15reapply [2] 1888/3 1888/12reask [1] 1790/8reason [17] 1629/2 1638/14 1642/3 1645/1 1645/5 1659/2 1690/16 1723/3 1773/14 1823/14 1880/8 1880/9 1883/9 1883/19 1903/18 1908/23 1909/18reasons [1] 1679/19recall [35] 1621/7 1623/24 1653/14 1658/9 1690/17 1704/25 1716/20 1717/4 1717/18 1744/20 1747/7 1761/23 1766/1 1768/2 1772/3 1772/18 1772/21 1773/8 1775/10 1782/8 1809/2 1812/11 1830/20 1838/12 1840/9 1841/21 1842/24 1843/20 1845/25 1846/1 1849/8 1852/17 1857/8 1861/7 1882/6recalled [1] 1752/9recap [1] 1800/25receive [4] 1680/10 1733/23 1780/6 1860/5received [17] 1680/11 1741/7 1749/25 1758/7 1791/3 1830/25 1835/5 1835/7 1841/15 1843/23 1855/14 1857/11 1869/24 1879/5 1881/20 1895/13 1904/2receiver [1] 1818/6receivership [12] 1818/10 1818/11 1818/24 1819/7 1890/17 1890/21 1896/7 1896/13 1898/18 1898/20 1900/18 1905/12receiving [3] 1854/6 1854/7 1876/18recent [1] 1806/21recently [3] 1862/19 1862/21 1862/24recess [3] 1688/3 1736/18

1806/9recessed [1] 1914/16recognition [1] 1836/25recognize [4] 1650/24 1749/8 1780/1 1889/10recollection [10] 1739/11 1740/14 1741/2 1741/8 1741/13 1742/5 1743/18 1744/1 1811/3 1893/4recommendations [4] 1762/13 1762/19 1762/21 1762/23record [28] 1617/15 1662/13 1751/6 1768/13 1768/17 1786/19 1823/3 1825/1 1830/16 1832/15 1839/6 1871/13 1893/25 1899/12 1901/22 1906/23 1909/18 1910/5 1912/14 1912/16 1912/17 1913/13 1913/14 1913/16 1914/5 1914/6 1914/14 1914/19recorded [1] 1613/24records [6] 1819/2 1819/14 1820/13 1821/17 1824/1 1893/19recreate [1] 1764/18recross [5] 1788/22 1810/17 1811/19 1814/18 1816/22RECROSS-EXAMINATION [3] 1788/22 1814/18 1816/22red [1] 1790/1redemptions [1] 1645/2redirect [8] 1744/18 1799/23 1800/3 1803/14 1809/8 1813/22 1816/16 1913/23refer [4] 1641/21 1827/3 1828/11 1828/12reference [4] 1632/8 1632/13 1742/8 1755/14referenced [2] 1622/12 1626/5references [1] 1631/23referred [1] 1751/25referring [8] 1626/13 1684/15 1684/25 1685/5 1685/10 1694/22 1717/6 1738/4refers [2] 1633/17 1641/25reflect [7] 1662/13 1687/7 1796/6 1808/4 1830/14 1830/16 1839/6refresh [8] 1624/1 1737/15 1737/20 1738/15 1738/24 1739/20 1740/23 1741/1refreshed [1] 1738/25refreshes [5] 1739/10 1748/16 1748/24 1811/3 1893/4refreshing [5] 1741/7 1741/13 1742/5 1743/18 1744/1refurbished [1] 1858/16regard [23] 1633/7 1634/7 1644/2 1645/16 1658/24 1751/2 1751/5 1752/14 1752/24 1760/15 1762/16 1764/5 1785/9 1836/24 1838/10 1840/2 1858/17 1875/25 1890/12 1890/23 1891/19 1892/19 1899/22regarding [14] 1680/13 1680/15 1681/18 1690/4 1714/11 1730/21 1737/10 1737/11 1782/7 1858/9 1859/1 1891/11 1891/25 1905/16regime [7] 1826/24 1837/2

1837/4 1837/5 1838/21 1878/16 1878/19registration [1] 1856/22regular [3] 1672/7 1744/23 1785/20regularly [1] 1674/16regulate [1] 1826/25regulated [10] 1818/4 1838/19 1838/22 1844/10 1844/14 1845/2 1845/22 1854/21 1866/8 1867/14regulates [2] 1827/1 1854/22regulating [4] 1826/22 1837/15 1838/18 1854/4regulation [2] 1865/7 1872/12regulations [2] 1837/8 1876/9regulator [10] 1773/21 1818/3 1844/13 1845/1 1845/22 1849/16 1852/4 1870/4 1874/25 1890/1regulators [3] 1822/20 1872/22 1874/10regulatory [24] 1721/21 1818/15 1818/18 1820/24 1821/24 1822/4 1826/17 1826/18 1826/24 1826/24 1827/4 1828/4 1828/10 1828/13 1836/24 1837/1 1837/4 1837/5 1838/21 1839/16 1858/24 1875/22 1876/6 1893/15related [12] 1616/4 1616/21 1702/23 1702/24 1705/21 1705/22 1710/2 1717/1 1717/1 1717/8 1776/21 1898/1relating [1] 1666/6relation [1] 1841/13relations [1] 1710/2relationship [6] 1659/23 1660/1 1703/13 1843/17 1844/13 1889/22relationships [1] 1771/3relative [3] 1625/15 1736/12 1905/7relaxed [1] 1638/9relevance [14] 1639/11 1784/6 1784/8 1790/20 1819/8 1839/5 1849/12 1849/13 1849/18 1852/1 1854/17 1863/9 1870/5 1893/21relevancy [5] 1753/21 1755/10 1756/2 1756/3 1905/22relevant [23] 1755/8 1756/7 1784/10 1784/10 1784/17 1784/25 1785/9 1818/24 1818/25 1819/7 1819/10 1870/3 1870/11 1871/2 1871/3 1871/4 1871/8 1871/11 1872/12 1873/24 1893/23 1897/14 1909/5reliable [1] 1807/20relied [3] 1718/7 1727/1 1807/19relieved [1] 1686/19rely [2] 1718/8 1724/25remain [5] 1735/12 1735/14 1735/18 1808/7 1817/4Remains [1] 1779/16remember [60] 1645/9 1661/8 1662/6 1662/24 1668/6 1668/13 1675/24 1676/5 1676/25 1679/15 1680/22

1954

Rremember... [49] 1688/17 1692/4 1696/15 1700/6 1702/11 1702/13 1707/10 1707/12 1707/14 1716/5 1716/7 1717/21 1718/2 1723/8 1723/9 1728/20 1737/9 1737/12 1767/15 1777/10 1785/12 1788/24 1788/25 1791/4 1793/8 1793/11 1794/13 1795/4 1795/6 1795/8 1798/6 1798/24 1799/16 1802/1 1802/17 1804/11 1804/18 1805/5 1805/8 1809/20 1811/21 1841/19 1845/6 1845/7 1852/15 1852/18 1871/17 1897/15 1900/1remembers [2] 1871/18 1871/23remind [16] 1617/23 1618/24 1619/13 1625/5 1653/15 1749/15 1751/18 1754/11 1757/18 1772/6 1816/5 1834/6 1843/13 1872/2 1902/8 1912/14remote [1] 1898/2remove [3] 1679/25 1864/8 1880/20removed [7] 1835/8 1835/10 1836/3 1836/19 1880/5 1880/17 1888/11renew [2] 1622/1 1759/10repeat [4] 1774/18 1786/16 1831/8 1832/13rephrase [8] 1621/22 1622/6 1633/13 1712/25 1768/20 1797/6 1797/6 1867/20replace [1] 1884/13replaced [3] 1884/8 1884/10 1889/14report [43] 1620/15 1621/8 1621/11 1631/9 1657/21 1675/23 1676/3 1676/7 1676/9 1676/14 1683/12 1684/25 1685/11 1685/21 1685/21 1685/22 1705/1 1756/3 1762/6 1780/4 1781/4 1787/3 1788/14 1795/10 1796/8 1810/25 1821/22 1823/1 1823/7 1840/12 1840/18 1840/25 1841/5 1842/16 1842/18 1853/5 1854/14 1855/20 1878/20 1878/24 1879/1 1891/21 1891/25reported [19] 1621/18 1621/24 1622/18 1657/21 1665/1 1665/7 1665/10 1665/14 1666/8 1668/1 1684/4 1724/7 1742/13 1781/20 1784/2 1784/4 1784/7 1788/13 1790/25reporter [10] 1614/9 1629/3 1735/14 1768/14 1768/18 1786/20 1832/16 1863/20 1914/5 1914/24Reporter's [1] 1914/18reporting [9] 1680/23 1689/2 1764/12 1781/14 1785/1 1790/25 1814/12 1841/3 1842/15reports [27] 1704/7 1751/3

1751/22 1795/12 1795/17 1795/19 1809/11 1809/16 1809/25 1810/4 1810/8 1818/15 1818/20 1819/3 1820/3 1820/16 1820/17 1820/19 1820/20 1820/22 1820/25 1821/2 1821/3 1821/17 1822/19 1822/21 1858/24represent [4] 1618/8 1618/12 1618/16 1807/15representation [3] 1618/21 1805/25 1814/15representations [2] 1693/1 1807/21represented [1] 1787/12representing [1] 1797/4represents [4] 1618/9 1618/13 1618/17 1819/12request [5] 1627/20 1840/23 1840/23 1876/18 1910/4requested [7] 1768/13 1768/17 1786/19 1832/15 1852/9 1884/21 1894/13requesting [1] 1832/1require [2] 1765/5 1765/6required [4] 1722/9 1722/12 1776/2 1870/13requirement [1] 1755/10requirements [1] 1776/23requires [2] 1698/8 1726/8rescinded [2] 1855/12 1855/13research [21] 1617/25 1618/15 1619/4 1619/7 1619/19 1648/6 1683/12 1684/25 1685/11 1685/20 1685/21 1685/22 1704/7 1705/1 1706/12 1711/15 1780/4 1780/15 1780/24 1807/12 1824/11researching [1] 1711/4reservation [1] 1756/16resign [2] 1885/15 1885/21resignation [1] 1885/18resigned [1] 1885/22resource [2] 1629/19 1630/11respect [3] 1813/20 1852/20 1870/11respective [2] 1828/23 1845/1respond [4] 1840/21 1842/20 1842/23 1843/4responded [1] 1843/8response [18] 1622/5 1819/5 1831/16 1840/20 1842/13 1842/21 1846/10 1846/15 1846/20 1849/17 1850/20 1851/9 1852/22 1855/9 1855/10 1867/19 1904/23 1905/13responsibilities [2] 1853/19 1866/6responsibility [4] 1826/22 1855/21 1856/4 1866/7responsible [4] 1630/24 1828/22 1838/17 1838/18rest [1] 1655/6restaurant [1] 1684/8restaurants [1] 1638/8restriction [1] 1779/16result [1] 1851/17resulted [1] 1886/13resulting [1] 1822/9results [1] 1808/9

resume [3] 1688/1 1735/7 1908/18retail [1] 1765/7return [10] 1681/24 1698/17 1722/11 1722/14 1765/16 1771/9 1771/12 1857/5 1864/3 1890/3returned [9] 1655/24 1850/10 1853/9 1857/1 1860/23 1861/2 1890/13 1890/24 1891/2returns [13] 1642/23 1643/3 1645/22 1646/14 1646/24 1646/24 1647/9 1647/11 1647/15 1682/2 1764/13 1764/18 1814/12reunion [1] 1716/12reurge [1] 1913/7reversed [2] 1913/18 1913/24review [4] 1627/14 1642/9 1857/21 1876/6reviewed [3] 1650/7 1709/20 1741/1revocation [1] 1870/1revoked [1] 1855/15revoking [1] 1869/19reward [1] 1698/15rhyme [1] 1642/3Rico [2] 1635/21 1635/21right [226] 1616/3 1616/13 1616/14 1616/25 1616/25 1617/13 1621/5 1622/15 1624/20 1625/3 1626/22 1629/16 1630/5 1630/14 1632/5 1659/11 1660/3 1660/15 1661/6 1662/4 1662/16 1662/22 1662/22 1663/5 1664/3 1664/18 1664/20 1664/24 1665/3 1666/8 1666/15 1666/15 1669/18 1670/25 1671/1 1671/12 1671/24 1672/7 1672/17 1673/21 1673/25 1677/3 1677/22 1678/3 1679/5 1687/24 1687/25 1688/1 1688/6 1688/24 1691/6 1692/11 1698/8 1698/22 1699/6 1699/8 1699/19 1699/24 1702/18 1706/23 1707/3 1710/4 1710/17 1711/20 1713/15 1719/18 1719/23 1720/14 1720/19 1721/13 1722/13 1723/10 1724/11 1724/12 1724/20 1725/1 1725/7 1726/24 1727/20 1728/22 1731/13 1735/17 1735/24 1736/22 1737/3 1737/4 1738/5 1739/2 1739/9 1739/9 1739/13 1744/7 1747/2 1747/15 1747/23 1750/13 1750/19 1751/10 1751/13 1752/2 1752/16 1752/21 1753/2 1753/12 1753/20 1754/10 1754/25 1756/4 1756/9 1756/12 1756/16 1759/4 1759/22 1761/4 1761/11 1762/1 1762/21 1764/24 1765/11 1766/7 1766/10 1766/18 1767/19 1769/22 1775/14 1777/7 1777/16 1778/19 1779/5 1779/15 1779/21 1789/9 1790/13 1790/22

1955

Rright... [92] 1790/25 1792/17 1793/15 1793/20 1794/5 1794/7 1794/20 1796/20 1798/10 1798/13 1799/12 1799/21 1800/5 1801/12 1803/19 1804/14 1804/16 1805/17 1805/23 1806/11 1806/11 1806/19 1807/11 1808/16 1809/1 1810/19 1812/2 1814/1 1814/23 1815/12 1815/22 1817/8 1817/24 1818/14 1824/14 1834/13 1835/15 1835/24 1836/4 1839/2 1861/24 1862/1 1863/3 1863/16 1863/18 1863/23 1864/20 1864/23 1866/3 1869/7 1869/15 1870/18 1871/18 1872/18 1873/4 1873/7 1874/14 1877/13 1878/3 1882/3 1887/10 1887/13 1887/14 1888/7 1892/16 1896/1 1896/3 1896/18 1897/11 1898/15 1899/10 1903/21 1906/1 1906/15 1906/17 1907/6 1907/9 1907/12 1907/15 1908/21 1909/16 1909/23 1909/23 1910/9 1910/16 1910/17 1911/13 1912/3 1912/5 1913/9 1913/9 1914/1right-hand [2] 1731/13 1769/22risk [2] 1698/18 1722/14ROBERT [4] 1613/5 1613/20 1663/1 1830/8rock [3] 1639/14 1639/16 1639/17Rocky [1] 1665/13Rodney [2] 1848/4 1850/12Rodriguez [2] 1664/21 1664/23role [7] 1628/11 1629/8 1630/19 1631/2 1840/2 1854/20 1881/5roles [1] 1845/1room [6] 1640/2 1648/3 1649/15 1685/20 1842/25 1843/2rotation [1] 1636/20rotations [8] 1636/9 1636/12 1636/18 1636/21 1636/22 1636/25 1637/17 1772/4roughly [3] 1622/20 1624/23 1645/11routine [1] 1876/6rubber [1] 1842/17rule [12] 1736/5 1754/21 1774/25 1777/5 1819/19 1819/20 1819/20 1821/1 1829/7 1829/7 1835/25 1862/1Rule 901 [1] 1754/21ruled [3] 1751/5 1903/8 1904/9rules [2] 1911/9 1911/11ruling [4] 1736/14 1836/10 1901/11 1906/2Rumor [1] 1649/25rumors [1] 1649/24run [17] 1665/25 1669/22 1679/24 1698/10 1698/22 1702/5 1702/16 1709/25

1716/2 1717/14 1718/8 1724/12 1726/19 1727/1 1799/16 1808/22 1899/19running [17] 1708/2 1708/4 1709/5 1724/19 1724/24 1744/10 1755/23 1756/17 1760/2 1799/6 1894/18 1894/20 1910/4 1912/8 1912/11 1912/14 1913/4Rusk [1] 1614/11Russia [3] 1711/6 1711/12 1762/19Russian [13] 1710/21 1711/3 1711/4 1711/10 1711/11 1711/12 1715/16 1715/17 1775/18 1775/19 1776/6 1776/7 1776/20

Ssafe [3] 1767/11 1767/23 1786/10safer [3] 1755/5 1823/6 1823/17said [70] 1637/18 1646/19 1646/22 1647/24 1648/14 1649/3 1650/17 1654/10 1655/2 1684/9 1684/11 1684/14 1684/24 1709/25 1711/11 1742/17 1751/19 1761/4 1764/6 1765/10 1772/12 1772/19 1774/10 1777/14 1783/6 1787/9 1789/19 1790/9 1791/12 1792/23 1799/2 1804/16 1805/11 1811/11 1812/14 1820/2 1840/21 1843/6 1843/13 1844/18 1845/5 1845/9 1846/18 1846/21 1847/5 1847/18 1851/8 1852/2 1852/23 1860/3 1861/9 1861/10 1861/12 1862/16 1862/16 1862/19 1864/1 1887/12 1890/6 1893/22 1897/12 1899/17 1900/2 1900/7 1901/20 1902/21 1902/23 1904/13 1910/21 1910/21salaried [1] 1827/20salary [6] 1827/21 1862/19 1862/21 1862/24 1862/25 1863/6salesperson [1] 1654/14same [39] 1637/23 1642/2 1650/18 1671/15 1679/13 1695/8 1696/9 1701/3 1705/6 1708/15 1708/18 1726/24 1727/4 1731/20 1751/8 1751/8 1752/22 1755/20 1755/24 1756/11 1757/25 1758/12 1760/2 1779/6 1780/11 1793/17 1799/3 1808/8 1814/20 1838/22 1843/20 1849/14 1870/16 1872/1 1894/17 1897/14 1897/20 1897/24 1904/25samples [1] 1876/21sat [2] 1649/15 1686/5satisfactory [1] 1908/23satisfied [3] 1742/15 1751/6 1821/5sausage [1] 1907/11save [1] 1835/13

saves [1] 1908/7saw [16] 1638/14 1639/2 1644/5 1650/21 1653/9 1653/10 1653/22 1666/13 1710/4 1790/25 1792/19 1792/20 1792/23 1872/16 1872/18 1888/20say [75] 1623/13 1625/14 1625/20 1642/8 1652/17 1653/16 1655/14 1656/8 1657/20 1659/1 1663/25 1667/6 1667/9 1669/17 1669/23 1670/2 1674/8 1689/6 1700/14 1700/16 1708/6 1714/10 1716/4 1716/11 1730/17 1734/19 1737/3 1740/19 1747/12 1747/18 1747/23 1750/21 1752/11 1754/10 1759/23 1760/15 1762/17 1762/25 1763/3 1763/8 1769/18 1773/20 1773/21 1799/17 1805/22 1810/6 1811/15 1814/25 1823/3 1823/7 1824/9 1831/8 1834/2 1837/1 1837/7 1840/12 1841/25 1842/13 1842/22 1843/10 1846/10 1846/20 1847/4 1851/20 1853/14 1860/14 1862/18 1864/12 1872/2 1883/1 1897/17 1897/22 1904/4 1911/11 1912/13say-so [1] 1716/4saying [35] 1626/9 1656/19 1657/4 1670/19 1678/21 1682/2 1695/16 1705/7 1711/20 1741/24 1744/6 1758/25 1772/17 1780/14 1787/23 1792/15 1799/8 1811/20 1822/22 1823/8 1823/14 1823/15 1823/19 1838/23 1847/16 1852/18 1855/14 1861/21 1861/23 1863/5 1897/17 1900/11 1901/7 1908/6 1908/7says [29] 1623/5 1630/6 1630/15 1631/2 1632/21 1670/8 1684/12 1684/18 1684/20 1690/20 1711/8 1719/8 1731/14 1731/23 1753/20 1767/2 1767/19 1769/25 1795/22 1807/5 1807/11 1808/10 1814/22 1821/2 1873/11 1887/10 1893/3 1904/24 1905/8Scardino [4] 1613/20 1613/20 1627/16 1627/19scenario [1] 1690/22scheduled [2] 1877/2 1877/3scheme [3] 1645/9 1645/17 1653/25school [4] 1703/19 1703/20 1703/22 1703/25scope [7] 1692/16 1799/23 1803/14 1813/21 1819/9 1835/21 1904/21scrap [3] 1787/5 1791/4 1791/9scratch [2] 1765/24 1914/14screen [9] 1617/21 1621/3 1627/9 1735/7 1750/18 1750/19 1756/21 1756/23

1956

Sscreen... [1] 1908/17seat [3] 1736/21 1817/19 1852/19seated [2] 1616/3 1688/5SEC [17] 1828/21 1890/15 1891/4 1891/8 1891/12 1891/20 1892/19 1892/21 1892/23 1893/5 1893/7 1893/11 1894/7 1894/15 1895/11 1895/14 1904/2second [33] 1623/4 1628/21 1631/22 1645/12 1693/12 1731/1 1731/13 1731/21 1735/10 1750/13 1754/13 1759/13 1759/15 1760/16 1760/17 1768/9 1768/11 1800/22 1819/18 1821/8 1822/13 1823/13 1835/13 1835/13 1840/9 1858/21 1859/19 1864/17 1864/18 1903/17 1907/13 1910/22 1912/16secondary [1] 1635/18seconds [3] 1747/20 1747/25 1909/22secrecy [6] 1731/7 1773/16 1773/24 1774/7 1774/16 1775/3secret [1] 1651/6secretary [3] 1846/25 1847/1 1847/10secretly [1] 1646/11section [3] 1870/14 1873/12 1906/6sector [12] 1826/23 1826/23 1826/25 1836/24 1837/1 1837/2 1837/8 1838/18 1839/14 1839/15 1846/5 1875/22Sectoral [2] 1837/23 1839/10sectors [2] 1771/1 1771/20securities [5] 1812/5 1812/22 1814/9 1815/18 1828/18see [84] 1616/10 1617/20 1620/6 1620/8 1620/9 1620/21 1620/23 1621/1 1627/7 1627/8 1627/9 1630/1 1632/21 1638/21 1650/15 1650/16 1653/7 1656/5 1687/1 1688/1 1688/2 1688/12 1689/3 1694/25 1699/9 1699/12 1699/14 1699/15 1708/6 1719/8 1719/21 1721/7 1731/15 1731/20 1735/7 1735/18 1736/17 1738/25 1739/10 1744/3 1748/16 1748/24 1756/21 1756/23 1758/12 1762/13 1762/21 1762/22 1766/25 1769/25 1770/1 1774/19 1777/6 1779/3 1781/22 1781/24 1789/21 1796/3 1796/21 1798/1 1799/10 1805/11 1805/12 1807/5 1807/6 1807/12 1808/11 1822/25 1823/1 1824/14 1830/10 1843/23 1849/18 1852/6 1859/11 1866/3 1868/5 1895/22 1905/13 1907/5 1907/11 1908/18 1911/25 1913/9

seek [2] 1854/9 1860/24seeking [1] 1738/16seeks [1] 1629/19seem [2] 1650/11 1731/17seemed [1] 1914/9seems [1] 1896/22seen [17] 1647/24 1652/24 1653/2 1653/4 1653/25 1684/9 1684/18 1740/16 1753/5 1786/23 1791/9 1811/1 1811/20 1816/18 1870/15 1872/15 1907/15select [2] 1679/19 1679/24selected [1] 1875/16selection [1] 1679/25sell [5] 1655/15 1655/16 1655/19 1655/19 1834/20seminar [2] 1843/21 1846/4send [2] 1756/8 1894/15sending [5] 1757/25 1758/12 1758/18 1760/12 1760/22senior [7] 1628/6 1628/8 1628/9 1628/11 1628/12 1628/14 1629/7sense [6] 1654/19 1654/23 1655/2 1655/3 1656/14 1676/12sent [33] 1666/6 1683/13 1714/12 1714/15 1740/23 1741/2 1741/4 1748/20 1749/2 1750/25 1751/22 1751/24 1753/1 1753/9 1754/9 1754/10 1754/14 1754/23 1755/11 1755/21 1756/7 1756/8 1780/15 1780/23 1798/1 1809/14 1857/5 1882/11 1882/17 1891/8 1892/21 1892/23 1894/16sentence [3] 1632/24 1633/2 1633/23sentencing [1] 1864/21Sentry [4] 1645/23 1645/25 1646/15 1646/25separate [10] 1635/4 1652/19 1673/20 1700/18 1751/23 1766/13 1766/13 1766/16 1767/5 1910/20separately [1] 1672/24September [11] 1677/7 1677/12 1677/23 1781/10 1781/14 1782/8 1784/4 1830/4 1843/20 1844/5 1845/23September 1998 [1] 1845/23September 2008 [1] 1677/12September 30th [3] 1781/10 1781/14 1782/8sequence [1] 1739/11series [8] 1737/14 1738/13 1743/19 1761/1 1767/15 1767/25 1818/9 1887/20serve [3] 1629/20 1638/9 1874/4served [1] 1830/2service [4] 1638/8 1839/15 1887/9 1901/2Services [6] 1826/17 1826/18 1828/8 1828/10 1837/23 1839/10session [1] 1616/8set [16] 1630/21 1661/2 1662/24 1668/1 1669/4 1669/10 1669/12 1697/16

1723/22 1728/1 1740/2 1772/6 1772/8 1772/9 1808/7 1808/20setting [2] 1759/21 1821/18seven [1] 1658/12Seventies [1] 1803/18several [6] 1639/13 1716/21 1716/23 1855/9 1882/10 1886/12SFG [12] 1629/1 1629/6 1633/25 1634/3 1634/6 1643/22 1645/16 1652/2 1652/15 1659/10 1659/22 1661/5SGC [13] 1664/12 1665/3 1665/7 1665/18 1676/25 1677/10 1677/11 1677/12 1678/4 1782/10 1783/12 1785/7 1789/13shaking [2] 1717/20 1718/1shall [1] 1753/22share [3] 1655/14 1655/20 1655/22shareholder [5] 1621/16 1629/10 1629/12 1663/2 1874/5shareholders [1] 1807/18shares [9] 1655/15 1655/16 1655/17 1655/18 1655/19 1655/20 1655/22 1655/25 1783/19she [118] 1647/23 1647/24 1647/24 1648/1 1648/3 1648/14 1649/3 1654/14 1656/19 1657/4 1657/24 1658/1 1658/3 1658/19 1658/22 1659/1 1659/4 1684/8 1684/11 1684/14 1684/14 1684/15 1684/20 1684/24 1685/1 1685/4 1685/5 1685/5 1685/9 1685/10 1685/13 1685/14 1685/16 1685/25 1686/2 1693/4 1702/23 1702/24 1702/24 1703/1 1703/3 1703/4 1703/4 1703/6 1707/2 1707/4 1707/5 1707/16 1708/12 1709/8 1709/9 1709/11 1709/16 1710/25 1711/1 1711/2 1711/8 1711/8 1711/11 1717/10 1725/22 1734/14 1742/15 1742/17 1742/23 1818/2 1818/4 1818/5 1818/5 1819/12 1819/16 1820/4 1823/1 1823/2 1823/10 1824/2 1831/16 1847/1 1847/3 1847/4 1847/5 1847/5 1847/15 1847/16 1847/20 1855/23 1864/16 1866/3 1866/15 1866/15 1867/7 1867/8 1867/8 1868/16 1871/5 1879/17 1879/17 1879/22 1879/23 1883/12 1884/1 1887/8 1890/24 1893/18 1893/19 1893/20 1896/17 1899/7 1900/21 1900/22 1900/23 1901/2 1902/21 1902/23 1904/18 1910/21 1910/21 1911/21she's [15] 1684/24 1696/1 1709/8 1796/1 1818/3 1820/4 1824/3 1869/10 1869/10 1871/2 1874/14 1886/6 1896/12 1899/5 1902/21

1957

Ssheet [10] 1621/10 1621/13 1621/15 1623/4 1653/18 1749/17 1749/22 1760/23 1876/24 1913/10shenanigans [1] 1714/21shifted [1] 1646/11shipped [1] 1646/9shop [1] 1708/17short [8] 1654/21 1655/5 1655/8 1655/9 1683/7 1691/17 1701/8 1767/14shortcut [2] 1872/4 1873/3shorting [2] 1656/13 1767/22Shortly [1] 1846/24shot [2] 1648/25 1910/1should [25] 1641/22 1641/24 1655/11 1665/9 1704/19 1704/24 1725/9 1738/24 1749/18 1774/22 1807/16 1837/1 1840/12 1843/21 1845/3 1845/20 1860/25 1861/4 1861/5 1874/9 1874/13 1874/15 1874/24 1883/22 1886/2shouted [1] 1861/10show [22] 1624/1 1644/17 1653/18 1653/19 1658/19 1658/22 1659/1 1682/10 1690/15 1693/6 1742/24 1749/23 1765/14 1773/18 1784/9 1789/6 1868/3 1879/17 1879/22 1893/22 1900/2 1900/15showed [4] 1684/11 1748/10 1765/23 1791/12showing [13] 1653/4 1758/19 1759/24 1766/22 1775/25 1786/23 1787/5 1813/16 1833/23 1861/18 1861/20 1888/24 1905/11shown [6] 1723/6 1757/19 1765/10 1788/7 1798/17 1889/2shows [6] 1752/1 1776/3 1789/16 1791/7 1791/10 1797/9SIB [25] 1618/8 1646/14 1647/2 1647/15 1658/10 1749/12 1749/14 1749/14 1757/3 1757/5 1757/15 1757/16 1757/18 1758/1 1760/14 1760/23 1783/1 1783/7 1787/18 1788/5 1813/8 1844/9 1874/23 1876/5 1877/4SIB's [4] 1645/22 1785/9 1787/12 1812/8SIBL [33] 1630/11 1630/19 1631/3 1632/25 1664/7 1664/20 1665/1 1665/16 1665/22 1666/6 1666/12 1674/19 1674/21 1676/25 1677/6 1678/11 1718/9 1721/18 1731/18 1731/23 1771/3 1780/4 1786/2 1786/3 1786/5 1789/13 1800/15 1804/18 1805/2 1805/11 1815/6 1896/13 1898/18sic [3] 1629/6 1629/10 1902/15side [10] 1629/16 1630/5

1630/14 1726/4 1731/13 1769/22 1777/3 1812/2 1817/13 1908/10Sidebar [2] 1616/12 1864/22sides [2] 1664/7 1909/2sign [6] 1856/13 1856/19 1856/24 1856/25 1857/2 1911/22signal [1] 1888/20signed [2] 1853/12 1857/6significant [1] 1876/24silent [1] 1842/25SIM [54] 1680/15 1680/17 1680/17 1681/3 1681/18 1681/24 1682/2 1682/3 1682/7 1682/8 1682/14 1682/16 1682/17 1683/12 1689/3 1689/8 1689/18 1689/21 1690/4 1690/8 1690/19 1737/10 1741/9 1742/7 1744/10 1744/11 1761/22 1762/9 1762/11 1762/14 1762/16 1762/18 1763/8 1763/17 1763/18 1764/5 1764/17 1764/21 1764/25 1765/13 1765/16 1765/21 1794/20 1798/24 1798/25 1799/2 1800/3 1800/7 1800/15 1800/16 1808/20 1808/20 1808/21 1809/5similar [8] 1645/23 1646/14 1646/22 1681/9 1736/13 1804/18 1825/21 1882/21simple [1] 1802/9simply [8] 1698/13 1703/4 1764/25 1782/24 1802/9 1840/23 1870/25 1883/2simulation [4] 1762/10 1763/9 1764/8 1800/8since [6] 1622/13 1643/10 1708/14 1723/2 1790/15 1888/19sincerest [1] 1902/18single [9] 1647/1 1727/17 1747/14 1772/16 1786/23 1787/1 1787/3 1787/8 1816/18singled [1] 1673/20SIO [14] 1630/10 1630/19 1631/3 1631/4 1631/14 1634/1 1711/24 1712/1 1712/16 1730/9 1730/17 1770/3 1770/20 1798/12sir [29] 1616/15 1620/6 1662/19 1688/7 1692/14 1709/13 1715/1 1716/10 1725/14 1725/16 1726/3 1726/5 1735/22 1737/5 1738/13 1738/18 1744/2 1780/14 1801/18 1803/21 1815/4 1817/3 1836/9 1836/9 1873/9 1887/14 1889/4 1910/2 1912/6sister's [1] 1797/14sit [4] 1729/4 1772/25 1829/10 1836/6site [4] 1875/16 1876/14 1877/2 1878/17sitting [3] 1654/13 1824/3 1899/14situation [3] 1673/21 1818/22 1864/21six [3] 1637/1 1677/25

1708/25size [3] 1761/10 1761/17 1765/4skim [1] 1739/10slammed [2] 1841/24 1851/10Slate [10] 1857/13 1857/15 1857/16 1857/17 1857/20 1857/21 1857/25 1858/10 1858/11 1858/17slow [6] 1629/2 1638/1 1638/2 1685/7 1738/17 1745/16slower [1] 1637/24slowly [1] 1679/16small [6] 1640/20 1640/22 1642/17 1666/16 1666/24 1725/18smaller [3] 1693/11 1693/13 1693/17smart [2] 1803/10 1803/11snapshot [1] 1621/15so [221] 1616/9 1620/23 1622/3 1624/8 1625/18 1626/6 1627/18 1638/7 1638/9 1640/3 1646/9 1646/23 1648/12 1648/19 1648/24 1649/14 1650/10 1651/6 1653/24 1655/18 1655/23 1656/5 1661/1 1661/3 1662/1 1663/21 1663/24 1664/6 1664/6 1664/20 1665/1 1665/19 1665/21 1665/22 1666/15 1667/5 1667/6 1667/6 1667/14 1667/17 1667/19 1667/20 1668/14 1670/13 1670/16 1671/16 1672/22 1673/3 1673/10 1673/25 1674/7 1674/9 1678/8 1678/17 1678/25 1679/15 1679/16 1681/2 1681/25 1682/12 1684/4 1684/8 1684/17 1685/11 1685/13 1686/7 1690/3 1691/7 1692/19 1694/1 1694/23 1695/17 1697/6 1699/8 1700/8 1700/17 1700/25 1701/13 1701/15 1702/18 1705/7 1706/1 1706/14 1708/1 1709/11 1709/14 1710/12 1711/7 1711/10 1711/14 1711/16 1714/8 1715/11 1716/4 1717/7 1717/15 1718/7 1719/18 1720/1 1720/16 1720/20 1721/5 1721/11 1721/18 1721/25 1723/5 1724/15 1724/24 1726/8 1728/3 1731/12 1732/2 1734/5 1736/8 1736/8 1736/11 1737/24 1741/19 1742/25 1743/8 1744/1 1750/14 1750/25 1751/7 1752/4 1752/25 1758/7 1762/16 1762/20 1762/23 1763/3 1763/7 1763/13 1765/13 1766/6 1768/20 1769/20 1772/24 1775/4 1777/5 1783/18 1786/17 1790/1 1790/1 1790/3 1790/8 1790/24 1792/14 1792/24 1795/15 1797/1 1799/3 1800/12 1800/17 1803/23 1805/22 1806/1 1806/4 1809/25 1816/13 1818/22 1818/22 1819/7 1819/10

1958

Sso... [57] 1820/8 1820/10 1821/15 1822/11 1822/23 1830/16 1832/1 1833/18 1834/9 1834/15 1837/2 1840/6 1840/22 1842/25 1843/13 1844/12 1857/6 1858/4 1858/15 1858/17 1862/5 1863/3 1864/21 1866/14 1869/11 1869/12 1871/24 1872/18 1872/18 1881/6 1882/15 1882/21 1885/17 1886/3 1887/10 1888/17 1893/16 1893/17 1893/21 1896/3 1897/13 1897/17 1898/15 1898/22 1899/11 1901/6 1906/3 1906/10 1906/20 1907/5 1909/13 1909/18 1910/8 1911/12 1911/12 1911/25 1914/9so-called [1] 1799/3SocGen [5] 1732/3 1732/4 1732/10 1732/11 1732/12soft [1] 1691/17sold [4] 1618/5 1656/22 1786/5 1800/16solemnly [1] 1817/15solicitor [1] 1860/23some [70] 1616/9 1616/22 1625/16 1631/24 1635/11 1635/11 1639/5 1648/17 1648/24 1650/14 1651/16 1654/7 1655/18 1656/10 1657/9 1660/21 1662/4 1666/22 1671/7 1671/8 1671/20 1674/6 1676/7 1676/24 1681/17 1682/1 1682/2 1692/20 1698/18 1700/3 1707/2 1707/5 1709/14 1711/4 1723/13 1733/7 1737/25 1740/22 1741/13 1743/5 1746/25 1749/6 1765/5 1765/6 1766/9 1771/4 1771/12 1782/7 1782/10 1782/13 1783/19 1787/24 1795/22 1799/4 1802/12 1804/16 1805/19 1830/22 1835/4 1842/23 1845/21 1866/15 1867/1 1868/19 1882/6 1899/19 1900/3 1900/15 1901/5 1911/4some -- you [1] 1868/19somebody [16] 1625/19 1626/10 1663/24 1674/8 1695/24 1708/16 1708/17 1725/19 1726/8 1751/15 1774/23 1793/22 1801/25 1823/5 1896/22 1909/18somehow [3] 1684/4 1896/6 1902/6someone [19] 1626/2 1643/12 1646/9 1655/16 1655/19 1714/25 1747/17 1755/2 1755/11 1765/14 1783/19 1823/6 1835/18 1855/21 1856/3 1860/5 1868/20 1873/13 1892/9something [48] 1619/6 1619/10 1624/1 1625/2 1626/9 1637/8 1664/23 1670/14 1671/17 1671/21 1674/16 1689/19

1691/6 1696/20 1696/22 1697/21 1700/17 1700/18 1708/25 1716/11 1717/25 1718/5 1718/6 1726/4 1729/20 1733/16 1742/1 1742/17 1743/4 1752/21 1752/22 1763/25 1773/1 1784/12 1795/12 1799/12 1803/24 1805/19 1869/11 1873/24 1893/18 1893/20 1906/9 1906/10 1906/16 1906/19 1910/22 1914/5sometime [2] 1830/22 1882/6sometimes [7] 1627/7 1670/16 1671/8 1698/8 1698/12 1902/6 1908/25somewhat [1] 1898/1somewhere [3] 1690/11 1900/12 1907/8son [1] 1683/17soon [2] 1616/22 1906/22sorry [57] 1616/3 1620/13 1624/4 1625/6 1632/1 1632/9 1633/2 1645/24 1649/6 1651/3 1654/6 1657/11 1662/12 1663/24 1667/21 1668/11 1699/11 1707/7 1711/22 1719/4 1723/8 1724/22 1732/6 1738/7 1749/1 1761/21 1763/21 1770/15 1774/1 1776/10 1776/14 1778/7 1778/20 1779/25 1781/18 1796/2 1797/22 1798/9 1800/22 1801/19 1803/2 1807/2 1821/12 1823/23 1832/11 1835/12 1840/8 1844/3 1847/15 1858/5 1862/23 1864/17 1868/9 1881/3 1892/23 1896/11 1906/5sort [4] 1656/1 1771/12 1829/18 1900/15sorts [3] 1671/2 1679/6 1799/4sought [3] 1854/7 1860/11 1861/4soul [1] 1847/15sound [2] 1876/10 1876/11soundness [1] 1828/23source [1] 1695/8sources [2] 1807/20 1822/10SOUTHERN [1] 1613/1sovereign [1] 1634/22soybeans [1] 1691/23speak [6] 1704/11 1711/12 1744/25 1840/22 1850/13 1901/22speaker [1] 1710/21speaking [3] 1640/19 1801/24 1804/11speaks [1] 1715/17special [1] 1820/18specialist [1] 1826/6Specialists [1] 1826/8specialization [1] 1704/14specialized [2] 1633/20 1641/1specialty [1] 1877/24specific [8] 1633/3 1675/13 1681/13 1689/1 1690/18 1691/1 1740/9 1764/24specifically [8] 1682/22

1744/2 1820/18 1840/12 1840/16 1846/12 1892/3 1897/3specificity [1] 1794/19speculating [3] 1712/23 1714/24 1871/2speculation [9] 1748/5 1773/3 1775/7 1788/15 1845/13 1863/9 1867/5 1874/11 1874/12speech [2] 1717/19 1717/25speeches [1] 1716/25speed [2] 1629/3 1747/14spell [3] 1824/25 1825/5 1891/16spelled [2] 1825/6 1891/17spend [3] 1692/16 1708/25 1779/4spent [4] 1730/22 1747/1 1747/9 1913/21spoke [8] 1648/5 1745/3 1746/2 1772/16 1793/10 1793/11 1801/25 1816/1spoken [1] 1909/12sporadic [3] 1798/1 1798/4 1798/5spreadsheet [3] 1653/17 1653/18 1752/1spreadsheets [5] 1658/22 1751/24 1752/23 1810/4 1810/7St. [5] 1648/2 1683/16 1825/12 1825/14 1825/25St. Croix [2] 1648/2 1683/16St. Johns [2] 1825/12 1825/14St. Leo [1] 1825/25stable [1] 1814/9staff [1] 1864/22stairs [1] 1627/6stamp [1] 1842/17stand [9] 1662/14 1735/17 1754/4 1817/3 1817/11 1818/17 1854/25 1855/11 1910/7standard [7] 1628/6 1628/8 1751/10 1751/10 1770/4 1819/19 1819/20standards [1] 1876/9standing [4] 1620/25 1774/24 1830/13 1860/5stands [2] 1667/2 1677/16STANFORD [326] Stanford's [18] 1636/3 1637/4 1674/3 1695/13 1740/8 1740/9 1745/18 1746/19 1835/21 1835/23 1844/16 1847/10 1849/15 1849/22 1849/24 1850/20 1852/22 1859/13start [9] 1628/23 1636/5 1636/8 1658/6 1764/22 1780/22 1782/16 1900/12 1906/8started [9] 1644/10 1644/10 1644/12 1654/18 1658/5 1668/4 1708/19 1844/15 1865/24starting [8] 1629/18 1631/22 1644/9 1685/24 1764/23 1868/12 1869/5 1906/13startup [1] 1657/10state [6] 1774/21 1824/25 1851/25 1887/5 1887/9 1887/9

1959

Sstated [4] 1756/1 1808/2 1808/4 1860/16statement [14] 1700/20 1702/17 1741/16 1759/6 1787/1 1807/8 1833/20 1834/15 1835/22 1899/8 1901/12 1905/4 1911/9 1911/22statements [15] 1633/5 1653/4 1653/9 1659/1 1717/8 1723/3 1723/6 1748/21 1749/3 1787/3 1792/23 1821/17 1835/20 1897/4 1899/5STATES [11] 1613/1 1613/3 1613/8 1711/7 1723/14 1815/7 1817/9 1902/20 1903/5 1903/19 1903/20stating [1] 1906/1status [1] 1846/12statutory [1] 1828/7stay [2] 1636/13 1906/15stayed [1] 1704/7steady [2] 1764/13 1765/16steel [5] 1711/5 1711/5 1711/7 1711/8 1776/7Stein [2] 1665/13 1665/14Stellmach [1] 1613/15stenography [1] 1613/24step [2] 1681/2 1821/7still [16] 1682/9 1713/12 1748/9 1753/15 1770/21 1771/13 1844/7 1844/9 1849/18 1865/25 1866/11 1866/16 1866/19 1888/18 1890/20 1911/16stock [9] 1637/14 1640/15 1643/11 1649/21 1655/21 1679/25 1689/4 1705/2 1709/1stocks [20] 1626/16 1635/11 1636/16 1640/11 1642/23 1643/20 1679/13 1679/19 1679/23 1679/24 1681/5 1708/15 1708/22 1767/14 1767/15 1769/25 1770/11 1783/17 1812/3 1812/21stood [1] 1716/5stop [16] 1629/12 1631/1 1634/2 1645/24 1654/23 1683/19 1717/19 1835/13 1838/16 1844/1 1844/3 1858/21 1864/17 1869/23 1906/11 1906/17stopped [3] 1714/15 1866/25 1867/3story [9] 1673/16 1681/1 1683/4 1683/5 1683/6 1683/7 1683/9 1683/11 1849/15straight [5] 1634/22 1703/3 1806/5 1843/13 1863/14strategic [2] 1629/6 1629/21strategies [3] 1629/9 1634/21 1808/7strategy [5] 1689/21 1729/14 1744/13 1767/23 1808/5Street [2] 1613/21 1614/11strengthen [2] 1837/4 1837/5strengthening [1] 1837/9stretch [1] 1806/3strike [7] 1763/7 1787/16 1790/4 1852/7 1864/7 1889/19

1903/24striking [2] 1755/7 1790/8strong [3] 1650/8 1710/5 1814/10stronger [1] 1824/13structure [2] 1641/23 1661/13structured [1] 1642/4studies [1] 1825/24study [1] 1726/1stuff [5] 1650/15 1654/15 1726/6 1726/11 1896/21style [1] 1727/13subject [10] 1671/20 1710/18 1753/22 1755/6 1807/6 1823/22 1824/12 1848/7 1875/10 1892/2Subsection [3] 1821/16 1821/21 1822/6Subsection 8 [1] 1821/16subsequent [1] 1772/13subsequently [4] 1830/4 1832/24 1889/19 1889/21substance [2] 1845/8 1845/9substantive [3] 1819/23 1886/13 1888/19substantively [1] 1887/25such [4] 1619/18 1704/12 1775/3 1882/7suddenly [1] 1708/2suffer [1] 1771/13sufficient [2] 1753/23 1787/13suggest [2] 1739/2 1906/12Suisse [12] 1732/18 1777/17 1777/19 1777/22 1778/10 1778/25 1779/1 1810/22 1811/6 1811/11 1815/24 1816/3suite [1] 1857/14sum [4] 1693/6 1693/9 1693/11 1693/13summaries [2] 1653/12 1758/5summarize [1] 1740/14summarized [1] 1741/5summary [2] 1653/12 1653/14summer [2] 1820/7 1853/3summoned [1] 1817/11superbowl [2] 1898/8 1898/13supervisor [6] 1859/23 1859/25 1860/17 1875/18 1876/2 1878/10support [2] 1753/23 1876/23suppose [1] 1845/21supposed [17] 1651/6 1673/14 1673/25 1715/6 1722/2 1729/9 1729/19 1729/21 1849/21 1858/14 1858/14 1859/10 1859/18 1877/16 1877/17 1881/21 1882/1supposition [1] 1725/12sure [37] 1623/14 1625/13 1633/15 1641/12 1656/6 1667/8 1680/13 1681/14 1687/23 1694/17 1695/24 1703/23 1719/19 1720/19 1730/19 1731/9 1735/3 1743/9 1744/3 1750/5 1753/19 1759/16 1810/7 1811/16 1823/25 1835/7 1845/12 1845/17 1865/10 1874/19 1884/12 1887/12 1892/25 1894/11 1899/23 1912/2

1913/17surely [3] 1685/5 1685/9 1685/16surmised [1] 1725/8surprise [4] 1663/10 1663/12 1663/13 1663/14surrounding [3] 1738/15 1891/4 1891/22sustain [4] 1748/7 1754/25 1784/11 1880/14sustained [18] 1632/5 1695/3 1696/2 1715/2 1753/12 1761/19 1768/19 1773/4 1774/13 1775/8 1788/16 1832/10 1844/22 1845/15 1848/21 1863/10 1886/5 1904/13sustaining [1] 1900/13SVC [4] 1661/6 1664/14 1665/12 1665/20SVCH [1] 1642/6swear [5] 1617/11 1735/15 1735/18 1736/1 1817/15sweep [1] 1634/14switch [2] 1664/7 1889/7Switzerland [1] 1801/25sworn [2] 1735/21 1735/25syndrome [2] 1641/19 1641/25system [4] 1662/24 1671/15 1671/16 1728/3systems [3] 1671/12 1671/13 1804/22

TT-R-E-V-O-R [1] 1891/17table [2] 1630/4 1841/24tabs [1] 1749/20take [64] 1627/13 1629/4 1635/18 1643/13 1649/16 1655/22 1660/12 1660/14 1670/3 1670/3 1681/2 1687/22 1687/25 1693/6 1698/5 1698/9 1698/13 1724/25 1727/8 1730/3 1735/5 1737/22 1738/24 1739/1 1739/19 1747/17 1747/19 1747/21 1747/24 1748/2 1748/5 1748/12 1748/18 1750/19 1759/12 1764/24 1799/6 1806/5 1806/7 1821/7 1836/7 1852/19 1855/8 1861/5 1862/12 1863/12 1863/13 1863/14 1863/19 1869/12 1879/18 1879/22 1881/7 1882/9 1882/11 1893/19 1899/16 1902/24 1906/21 1907/6 1907/13 1907/19 1907/19 1909/21taken [16] 1622/12 1688/3 1736/18 1747/12 1750/17 1761/15 1783/3 1787/17 1788/4 1788/12 1806/9 1843/21 1856/3 1896/8 1896/13 1910/7takes [1] 1794/1taking [2] 1723/18 1914/8Tal [2] 1683/17 1685/1talk [44] 1619/24 1637/19 1660/20 1661/13 1663/16 1671/12 1672/4 1682/12 1691/5 1691/7 1696/17 1700/11 1701/22 1708/16

1960

Ttalk... [30] 1708/17 1710/17 1717/1 1729/9 1729/19 1729/21 1738/1 1752/7 1752/8 1773/8 1773/10 1773/21 1773/22 1793/22 1798/24 1802/16 1819/8 1819/9 1820/8 1823/13 1848/17 1850/1 1852/11 1856/7 1865/7 1891/9 1906/22 1908/21 1909/2 1909/3talked [33] 1661/5 1661/5 1661/7 1662/5 1662/23 1668/13 1675/23 1676/3 1700/6 1701/25 1701/25 1706/22 1717/4 1722/18 1723/9 1729/22 1731/20 1750/11 1753/18 1761/21 1761/21 1775/14 1787/8 1793/8 1799/25 1800/3 1800/7 1801/24 1802/12 1802/18 1803/15 1834/18 1843/16talking [46] 1631/24 1640/19 1647/9 1652/8 1652/23 1653/24 1658/8 1666/2 1668/4 1668/6 1675/24 1676/25 1681/12 1688/10 1689/4 1696/15 1708/22 1708/25 1719/15 1719/22 1723/8 1727/21 1728/20 1736/21 1737/9 1737/12 1738/6 1744/11 1770/5 1774/16 1795/4 1795/9 1798/24 1801/25 1805/5 1820/6 1827/3 1828/13 1850/24 1894/4 1896/12 1896/15 1898/16 1899/5 1905/17 1909/1talks [1] 1807/14Tarantino [2] 1664/22 1664/23target [1] 1771/11targeted [1] 1630/20targets [1] 1630/22tasked [3] 1826/22 1837/15 1854/4taxes [2] 1790/16 1790/19TD [1] 1732/23teacher [1] 1803/9team [5] 1632/25 1651/11 1857/12 1858/6 1859/5technical [1] 1815/23technically [1] 1911/18technicians [1] 1852/20telephone [1] 1879/5tell [77] 1620/16 1620/18 1628/4 1640/10 1645/1 1647/23 1654/3 1657/19 1668/17 1679/15 1679/16 1680/25 1681/3 1681/3 1681/11 1681/21 1682/5 1682/14 1683/6 1683/11 1685/15 1685/19 1686/6 1687/5 1687/19 1687/20 1688/19 1691/15 1694/9 1694/14 1694/19 1694/19 1694/20 1703/7 1703/13 1704/6 1704/20 1705/11 1707/15 1707/21 1708/11 1711/1 1712/8 1718/11 1718/12 1718/15 1718/17 1718/17 1729/4 1729/8 1732/19 1734/17 1754/6

1760/21 1808/13 1820/15 1831/5 1831/11 1834/6 1835/1 1846/8 1846/13 1847/10 1848/23 1849/2 1850/15 1850/18 1850/24 1852/14 1853/8 1856/18 1863/13 1870/20 1871/3 1879/8 1887/4 1903/23telling [17] 1654/24 1656/15 1657/1 1658/16 1721/25 1754/13 1768/23 1769/5 1770/10 1771/14 1771/18 1771/23 1842/20 1849/4 1850/20 1854/14 1901/24tells [1] 1867/8temperature [1] 1736/22ten [3] 1619/3 1747/20 1747/25tend [1] 1629/3tender [1] 1896/20tendered [2] 1737/15 1738/18tendering [1] 1687/12tends [1] 1671/7tens [1] 1802/5tentative [1] 1759/3tenuous [1] 1824/13term [13] 1635/3 1640/8 1641/19 1643/4 1655/8 1668/7 1668/18 1671/21 1722/24 1767/4 1768/7 1798/4 1876/13terms [4] 1844/13 1846/12 1860/11 1877/11territory [1] 1872/1test [1] 1624/10testified [17] 1617/3 1660/22 1700/6 1720/4 1720/23 1730/10 1751/3 1751/21 1761/9 1764/11 1793/13 1794/11 1824/20 1835/22 1836/21 1862/9 1899/7testifies [1] 1752/5testify [6] 1736/6 1823/1 1823/5 1824/2 1861/23 1897/8testimonial [1] 1821/11testimony [12] 1660/20 1736/1 1751/14 1752/12 1772/22 1778/11 1811/10 1817/15 1896/16 1901/5 1908/16 1910/6testing [1] 1876/14tests [2] 1876/7 1876/21TEXAS [3] 1613/1 1613/4 1735/24text [4] 1758/21 1759/6 1759/19 1760/8than [35] 1624/10 1630/24 1631/23 1632/7 1645/3 1645/6 1649/18 1658/12 1660/3 1669/14 1682/9 1690/14 1693/17 1721/19 1722/1 1722/6 1722/8 1740/19 1748/3 1755/7 1771/2 1771/5 1771/20 1772/17 1804/8 1805/9 1812/18 1823/6 1861/18 1862/11 1887/8 1887/16 1897/18 1906/13 1909/21thank [35] 1617/2 1620/19 1626/19 1628/1 1630/13 1649/2 1662/15 1664/2 1688/5 1736/16 1739/2 1739/14 1740/7 1744/17 1750/20 1756/10 1756/18 1760/5

1763/23 1769/21 1777/8 1788/21 1797/16 1797/22 1800/13 1806/12 1817/3 1817/5 1817/7 1817/19 1824/16 1875/11 1887/15 1901/25 1908/19Thanksgiving [1] 1644/9that [1362] that's [153] 1617/21 1618/3 1621/2 1624/24 1627/19 1627/20 1627/25 1632/8 1633/15 1634/2 1634/17 1637/6 1651/12 1655/23 1662/13 1662/20 1663/18 1664/10 1664/17 1664/18 1668/23 1669/21 1671/17 1671/21 1671/25 1672/21 1673/15 1673/23 1674/3 1674/5 1674/7 1674/11 1674/16 1677/25 1679/3 1679/11 1685/1 1691/12 1691/23 1696/22 1698/12 1700/24 1707/16 1715/17 1720/14 1721/1 1721/1 1722/12 1723/1 1725/8 1727/19 1727/20 1728/13 1728/14 1730/20 1732/8 1734/19 1734/24 1736/11 1737/19 1738/9 1738/9 1738/12 1738/23 1742/17 1746/24 1747/9 1750/14 1751/12 1753/3 1753/18 1755/5 1756/4 1756/5 1756/6 1770/7 1776/17 1777/4 1777/6 1778/1 1780/16 1783/9 1784/16 1784/24 1785/18 1786/14 1787/25 1788/17 1789/8 1790/25 1797/13 1797/14 1797/18 1799/12 1801/3 1802/23 1802/25 1803/25 1804/25 1805/3 1806/17 1806/21 1808/18 1813/21 1813/25 1815/8 1820/4 1821/19 1823/19 1824/9 1824/13 1825/19 1828/24 1834/13 1836/9 1838/17 1838/17 1853/24 1866/14 1869/11 1871/8 1871/13 1871/14 1871/18 1871/25 1873/7 1886/8 1886/15 1886/20 1887/1 1889/2 1890/24 1893/16 1894/3 1898/12 1899/8 1900/5 1901/7 1901/7 1902/23 1903/11 1906/9 1906/10 1907/4 1908/23 1909/12 1909/16 1909/21 1911/6 1911/16 1912/14 1914/3 1914/4that's no [2] 1756/4 1756/5their [26] 1616/9 1640/11 1646/12 1650/1 1655/17 1676/8 1682/13 1698/14 1701/5 1721/22 1722/1 1724/13 1741/15 1756/12 1762/22 1764/1 1771/15 1805/14 1805/22 1807/21 1872/10 1876/20 1876/21 1881/12 1909/4 1910/6them [50] 1626/16 1637/12 1638/1 1640/6 1641/12 1643/13 1643/14 1650/15

1961

Tthem... [42] 1655/18 1664/7 1680/23 1681/22 1685/4 1685/14 1692/20 1694/12 1698/24 1701/10 1702/19 1716/23 1716/23 1728/24 1729/8 1740/25 1750/7 1751/15 1793/23 1795/14 1795/21 1796/12 1796/16 1796/18 1802/7 1802/12 1804/22 1819/17 1820/5 1820/12 1821/9 1822/24 1841/6 1842/17 1871/16 1898/18 1907/22 1910/11 1910/23 1911/18 1911/23 1913/10themselves [2] 1626/5 1694/12then [63] 1637/18 1648/1 1661/22 1661/24 1665/14 1670/2 1672/19 1672/22 1673/3 1673/3 1677/18 1677/20 1680/14 1690/12 1692/2 1693/11 1693/18 1694/1 1698/15 1698/24 1699/22 1701/13 1713/10 1713/21 1714/8 1715/19 1719/13 1724/6 1728/2 1734/20 1735/17 1742/13 1742/17 1742/20 1756/19 1758/7 1776/14 1779/8 1779/12 1794/9 1805/14 1818/5 1824/14 1828/8 1830/6 1832/24 1835/19 1837/10 1841/4 1846/11 1866/10 1869/12 1871/14 1872/2 1888/11 1888/14 1896/20 1898/23 1899/13 1908/15 1911/25 1913/4 1913/23theoretically [2] 1701/18 1701/19theory [4] 1671/16 1712/20 1713/4 1814/11there [196] 1629/12 1631/1 1634/2 1635/16 1635/17 1636/5 1636/7 1636/13 1636/14 1637/8 1637/10 1637/15 1637/15 1637/17 1637/19 1638/4 1638/8 1638/11 1638/14 1638/15 1638/21 1640/2 1644/10 1645/24 1646/25 1649/24 1654/13 1654/23 1663/19 1664/7 1664/12 1664/14 1667/20 1670/11 1671/12 1671/24 1672/1 1674/12 1674/23 1675/19 1680/13 1680/13 1680/22 1681/17 1681/25 1684/2 1686/5 1690/11 1691/3 1693/11 1693/13 1694/8 1695/23 1696/20 1698/18 1699/2 1700/3 1701/4 1701/4 1702/1 1702/1 1702/2 1703/13 1706/6 1710/5 1710/20 1714/11 1714/13 1714/15 1716/15 1716/19 1716/21 1719/9 1719/16 1720/1 1720/18 1720/19 1721/6 1722/6 1722/22 1723/6 1723/19 1727/15 1727/16 1727/16 1728/10 1728/22 1728/23

1729/24 1732/12 1733/16 1733/18 1734/5 1739/9 1739/11 1743/17 1745/23 1746/8 1751/1 1762/11 1762/12 1767/20 1768/5 1768/23 1768/24 1769/5 1769/6 1770/10 1771/12 1771/14 1771/18 1771/23 1772/12 1772/12 1772/18 1772/25 1773/1 1773/6 1774/15 1774/24 1775/3 1775/5 1776/8 1777/14 1777/14 1784/21 1786/11 1787/13 1791/10 1791/13 1791/22 1792/17 1794/12 1794/15 1794/15 1795/1 1796/1 1799/14 1800/23 1802/3 1804/16 1808/6 1810/17 1816/4 1816/5 1816/13 1820/1 1821/22 1823/2 1824/10 1835/14 1836/25 1836/25 1837/7 1841/7 1841/12 1841/15 1841/16 1842/9 1842/23 1843/2 1843/7 1844/1 1844/3 1845/23 1846/4 1847/25 1848/1 1852/16 1853/5 1853/10 1858/21 1862/25 1864/5 1869/12 1869/23 1873/19 1875/7 1876/23 1880/4 1882/16 1883/19 1886/12 1886/16 1887/22 1891/3 1891/7 1893/18 1893/22 1896/8 1896/14 1899/14 1899/23 1902/8 1905/12 1908/3there's [71] 1638/2 1642/3 1658/16 1659/1 1663/10 1663/17 1663/24 1666/18 1671/4 1671/7 1673/12 1673/25 1674/6 1674/9 1678/3 1678/25 1683/4 1688/14 1692/11 1702/15 1703/24 1706/3 1706/6 1715/16 1720/4 1722/19 1723/5 1723/18 1725/19 1725/22 1733/10 1739/8 1740/16 1742/6 1750/22 1750/23 1750/25 1752/4 1752/25 1753/4 1772/21 1774/3 1779/3 1785/15 1789/14 1799/2 1799/14 1805/1 1808/10 1815/18 1818/8 1818/9 1819/24 1823/4 1861/18 1861/20 1861/20 1864/25 1871/12 1872/4 1873/3 1875/6 1898/7 1899/8 1900/3 1903/10 1905/10 1905/11 1910/12 1910/13 1911/4there's no [4] 1702/15 1740/16 1750/25 1752/25therefore [2] 1856/5 1899/6thereof [2] 1892/13 1893/20these [65] 1625/19 1627/6 1643/20 1643/23 1646/23 1656/20 1664/6 1667/23 1670/8 1670/13 1677/25 1678/17 1678/18 1691/3 1709/19 1716/17 1724/19 1727/20 1727/21 1733/4 1733/7 1743/8 1747/23 1748/4 1750/5 1750/6 1751/2 1751/4

1751/7 1752/3 1752/6 1752/9 1758/1 1776/4 1784/10 1786/10 1787/24 1790/1 1795/19 1801/15 1801/21 1807/5 1819/23 1820/9 1820/21 1821/3 1821/11 1822/8 1822/16 1823/10 1828/24 1829/7 1835/20 1841/11 1858/13 1858/15 1858/22 1858/24 1859/23 1877/12 1877/14 1882/22 1883/11 1886/3 1899/4they [198] 1620/23 1622/12 1626/2 1626/5 1626/6 1626/7 1626/16 1626/17 1629/3 1633/4 1636/15 1636/22 1637/11 1637/12 1638/9 1640/7 1640/14 1641/12 1641/17 1641/17 1641/23 1643/10 1644/10 1644/17 1644/17 1644/20 1646/8 1646/25 1648/14 1649/3 1650/1 1650/12 1650/18 1650/18 1656/20 1656/21 1656/22 1657/2 1668/1 1677/22 1680/19 1682/6 1682/10 1682/19 1682/20 1683/2 1685/13 1685/13 1689/15 1689/25 1690/15 1690/17 1690/23 1690/23 1692/19 1693/6 1693/18 1693/20 1693/20 1693/25 1694/1 1694/3 1694/4 1694/5 1694/9 1694/9 1694/10 1694/14 1694/19 1698/14 1698/14 1701/16 1702/18 1702/22 1703/12 1703/15 1711/2 1711/2 1711/3 1713/25 1722/2 1723/22 1728/3 1729/7 1729/9 1730/17 1733/17 1733/21 1737/17 1741/17 1741/19 1741/23 1743/15 1743/15 1743/16 1745/2 1745/5 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1745/21 1746/11 1746/13 1750/8 1751/6 1751/23 1771/15 1772/25 1775/21 1777/4 1786/1 1789/7 1790/15 1790/17 1793/10 1793/23 1794/7 1794/9 1796/14 1796/18 1799/7 1800/15 1804/22 1805/15 1805/25 1809/13 1809/19 1813/7 1813/10 1813/11 1813/12 1816/25 1817/23 1818/10 1818/15 1818/15 1818/20 1818/24 1819/2 1819/2 1819/6 1819/25 1820/2 1820/3 1820/6 1820/19 1820/23 1821/4 1821/19 1821/25 1822/14 1823/3 1823/3 1828/25 1834/2 1840/15 1848/12 1856/21 1856/22 1857/6 1858/14 1858/23 1859/3 1866/9 1866/10 1866/11 1866/11 1866/15 1866/16 1866/20 1867/21 1872/9 1874/24 1875/2 1876/17 1876/17 1876/17 1876/19 1876/19 1878/23 1878/24 1878/25 1879/1 1880/11 1881/11

1962

Tthey... [10] 1883/2 1883/14 1886/14 1894/12 1898/20 1901/1 1909/16 1910/14 1912/2 1912/4they're [37] 1638/8 1640/13 1721/25 1738/20 1738/22 1750/6 1762/19 1762/21 1790/22 1793/2 1793/3 1804/20 1818/10 1818/22 1818/23 1818/25 1819/1 1819/3 1819/7 1819/10 1819/11 1819/14 1819/22 1820/10 1820/16 1820/18 1820/24 1821/24 1862/3 1898/16 1899/1 1900/25 1909/13 1911/3 1911/21 1912/24 1913/2they've [3] 1646/11 1671/2 1862/6thick [1] 1730/7thing [15] 1627/15 1642/2 1705/6 1708/18 1726/24 1744/12 1747/14 1756/1 1757/25 1758/12 1772/24 1793/18 1808/1 1872/19 1899/17things [19] 1660/8 1670/15 1671/3 1681/6 1698/14 1699/18 1704/21 1708/15 1708/20 1715/23 1717/1 1717/2 1724/19 1724/24 1729/11 1799/10 1804/17 1820/9 1877/14think [89] 1619/21 1620/22 1622/2 1638/6 1641/16 1646/8 1646/10 1648/17 1658/1 1658/3 1658/5 1658/13 1658/15 1663/5 1664/21 1665/4 1665/13 1667/5 1667/6 1667/14 1667/17 1667/19 1682/7 1682/8 1684/24 1685/24 1690/10 1693/10 1694/19 1694/22 1703/18 1704/19 1705/14 1705/16 1705/25 1708/4 1709/3 1712/11 1712/11 1713/20 1713/25 1715/23 1717/24 1719/24 1721/17 1729/13 1734/24 1736/11 1751/18 1752/6 1763/1 1763/2 1769/20 1773/7 1784/20 1788/17 1795/15 1799/3 1799/7 1799/24 1802/3 1806/1 1820/8 1823/14 1830/3 1833/23 1836/12 1845/25 1846/19 1854/10 1865/13 1868/15 1877/22 1882/17 1886/21 1887/9 1898/3 1900/5 1901/17 1904/6 1904/7 1904/12 1905/25 1909/7 1909/10 1910/4 1911/18 1913/24 1914/9thinker [1] 1842/18thinking [3] 1649/23 1754/2 1845/12thinks [1] 1638/6third [3] 1715/2 1778/12 1781/4thirty [1] 1909/21this [323]

thorough [2] 1884/25 1885/2those [85] 1625/25 1626/4 1626/8 1627/4 1632/16 1632/17 1636/25 1637/1 1637/15 1643/21 1645/23 1646/1 1646/2 1646/4 1646/14 1647/11 1647/17 1647/21 1650/18 1654/3 1656/22 1657/4 1658/6 1660/9 1661/6 1677/1 1682/10 1692/7 1692/9 1701/8 1701/11 1704/21 1715/23 1716/22 1716/25 1717/4 1740/23 1749/11 1751/5 1751/23 1752/23 1753/15 1754/22 1756/19 1760/3 1762/20 1764/18 1764/25 1767/15 1771/5 1782/25 1789/14 1791/4 1791/13 1792/22 1792/23 1795/6 1795/8 1795/12 1795/16 1803/20 1809/16 1809/25 1810/4 1810/4 1810/10 1810/12 1818/14 1838/6 1840/14 1841/2 1843/19 1851/14 1855/16 1856/14 1858/7 1859/1 1859/3 1859/21 1860/6 1860/7 1876/18 1876/20 1888/3 1888/6though [5] 1686/22 1690/13 1760/8 1847/7 1896/22thought [11] 1684/14 1685/13 1711/1 1727/6 1763/3 1766/9 1768/1 1831/9 1845/3 1854/24 1908/24thoughts [2] 1840/24 1859/19thousand [2] 1655/24 1802/5thousands [3] 1802/5 1802/5 1810/18three [29] 1618/19 1625/23 1625/25 1634/14 1636/9 1636/10 1636/12 1636/13 1636/18 1636/20 1636/23 1636/23 1637/18 1638/3 1668/14 1669/17 1669/17 1735/5 1748/1 1772/13 1781/5 1797/2 1797/18 1822/23 1829/10 1829/11 1829/14 1913/12 1913/18three-judge [1] 1829/14three-member [2] 1829/10 1829/11three-month [6] 1634/14 1636/9 1636/12 1636/18 1636/20 1772/13threw [1] 1841/24through [40] 1620/7 1636/15 1637/11 1637/12 1639/3 1640/4 1650/24 1658/23 1687/18 1697/15 1719/18 1733/17 1734/14 1734/15 1739/4 1739/5 1739/10 1739/17 1740/24 1741/7 1741/12 1751/16 1755/11 1755/19 1755/20 1795/21 1818/4 1819/17 1823/6 1843/11 1863/14 1869/13 1886/24 1887/11 1887/21 1897/2 1911/9 1911/10 1911/11 1912/12throughout [3] 1878/12 1879/1 1881/16

ticket [4] 1847/3 1847/6 1847/17 1847/21tickets [2] 1898/8 1898/13tier [195] 1618/20 1618/25 1618/25 1619/1 1619/5 1619/7 1619/8 1619/9 1619/13 1619/20 1619/25 1622/24 1623/2 1623/8 1623/25 1624/11 1624/15 1625/15 1625/21 1625/23 1626/2 1626/13 1626/14 1626/22 1627/1 1631/7 1631/11 1632/18 1633/7 1633/16 1633/18 1633/20 1634/8 1634/13 1634/14 1634/20 1634/21 1634/24 1634/25 1635/2 1635/3 1635/3 1635/7 1635/10 1642/12 1642/21 1644/3 1644/11 1644/12 1644/20 1644/22 1644/23 1645/2 1645/20 1647/5 1647/10 1647/24 1649/8 1651/5 1651/12 1651/14 1651/15 1651/21 1651/21 1651/24 1652/5 1652/5 1652/25 1653/2 1653/5 1653/7 1653/9 1653/20 1653/21 1653/22 1654/1 1654/25 1655/6 1656/15 1657/25 1658/23 1658/24 1659/6 1667/4 1667/13 1667/16 1671/12 1671/13 1671/14 1671/14 1671/14 1671/16 1671/16 1671/21 1671/25 1673/25 1674/19 1674/21 1674/25 1696/25 1697/2 1697/4 1697/7 1697/8 1697/9 1699/24 1699/25 1700/1 1700/3 1710/7 1710/7 1710/12 1710/15 1720/5 1720/10 1720/24 1722/16 1722/18 1722/19 1722/19 1722/24 1723/2 1723/3 1723/6 1723/22 1723/25 1728/8 1729/9 1734/1 1734/8 1747/1 1748/21 1749/2 1749/12 1749/16 1749/24 1751/3 1752/1 1756/3 1757/6 1757/21 1758/13 1758/19 1760/16 1760/17 1761/2 1761/7 1765/10 1765/15 1765/23 1766/9 1766/14 1767/2 1767/3 1767/4 1767/4 1767/19 1768/6 1768/6 1768/6 1768/25 1769/7 1773/13 1774/17 1775/5 1775/22 1776/4 1776/9 1776/24 1777/12 1777/17 1777/22 1778/10 1779/1 1783/24 1786/24 1787/6 1787/9 1802/13 1804/22 1804/23 1804/23 1804/23 1809/10 1810/3 1810/4 1810/7 1810/21 1811/6 1811/13 1811/16 1816/2 1816/3 1816/9 1816/19Tier I [15] 1622/24 1623/2 1623/8 1634/13 1634/14 1651/21 1651/21 1671/14 1673/25 1674/19 1674/21 1674/25 1722/18 1783/24 1804/23Tier II [75] 1618/20 1619/5 1619/9 1619/20 1619/25

1963

TTier II... [70] 1624/11 1625/21 1626/13 1626/14 1626/22 1631/7 1631/11 1632/18 1633/7 1633/16 1633/20 1634/8 1634/20 1634/21 1634/24 1634/25 1642/12 1642/21 1644/3 1644/11 1644/12 1644/22 1644/23 1645/2 1651/24 1653/7 1653/21 1658/23 1667/4 1667/13 1667/16 1671/14 1697/8 1697/9 1710/7 1720/5 1720/10 1720/24 1722/19 1723/22 1728/8 1729/9 1734/1 1747/1 1748/21 1749/2 1749/24 1751/3 1752/1 1756/3 1757/6 1757/21 1758/13 1758/19 1761/2 1761/7 1773/13 1774/17 1775/5 1775/22 1776/4 1776/9 1776/24 1777/17 1809/10 1810/3 1810/4 1810/7 1816/2 1816/9Tier II and [1] 1749/12Tier III [78] 1619/7 1619/8 1619/13 1624/15 1625/15 1625/23 1626/2 1633/18 1635/2 1635/3 1635/7 1635/10 1645/20 1647/5 1647/10 1647/24 1649/8 1651/5 1651/14 1651/15 1652/5 1652/5 1652/25 1653/2 1653/5 1653/9 1653/22 1654/1 1654/25 1655/6 1656/15 1657/25 1658/24 1659/6 1671/14 1696/25 1697/2 1697/4 1697/7 1699/24 1699/25 1700/1 1700/3 1710/7 1710/12 1710/15 1722/16 1722/19 1723/2 1723/3 1723/6 1723/25 1734/8 1765/10 1765/15 1765/23 1766/9 1766/14 1767/2 1767/3 1767/19 1768/6 1768/25 1769/7 1777/12 1777/22 1778/10 1779/1 1786/24 1787/6 1787/9 1804/23 1810/21 1811/6 1811/13 1811/16 1816/3 1816/19tiers [18] 1618/19 1622/21 1622/22 1623/6 1623/7 1623/8 1623/10 1623/12 1623/15 1632/16 1722/19 1729/19 1775/21 1782/4 1782/6 1782/17 1784/16 1784/25Tiers I [5] 1622/22 1623/7 1782/6 1782/17 1784/25Tiers II [4] 1623/8 1623/10 1623/12 1623/15Tighten [1] 1886/8till [2] 1755/8 1898/22tilt [1] 1684/16time [147] 1621/15 1621/17 1622/13 1629/13 1636/4 1642/5 1644/2 1644/5 1648/17 1649/13 1649/14 1650/17 1654/6 1655/18 1657/7 1659/8 1660/23 1671/22 1675/13 1681/3 1681/17 1682/7 1683/16 1687/10 1687/22

1688/2 1690/6 1692/16 1695/5 1699/25 1699/25 1703/15 1705/1 1707/5 1712/13 1724/11 1726/9 1726/14 1726/17 1726/22 1733/18 1733/23 1735/1 1735/6 1735/8 1737/22 1740/22 1747/1 1747/5 1747/10 1747/13 1748/1 1754/4 1755/10 1757/6 1764/15 1771/2 1771/9 1772/12 1776/4 1777/5 1779/4 1780/9 1794/15 1796/6 1799/3 1800/9 1808/15 1821/7 1823/22 1827/16 1828/6 1830/24 1831/3 1833/16 1834/9 1835/4 1836/23 1836/25 1837/11 1837/20 1838/1 1838/2 1838/9 1838/22 1839/21 1839/24 1840/21 1841/7 1841/21 1842/13 1842/22 1843/1 1843/3 1843/7 1844/7 1850/11 1850/13 1852/17 1853/3 1853/5 1854/1 1857/10 1858/7 1862/10 1864/9 1867/1 1871/21 1872/4 1872/16 1874/16 1874/17 1874/23 1875/25 1877/19 1877/24 1878/11 1878/18 1880/23 1881/4 1883/7 1888/7 1888/10 1889/19 1890/12 1890/18 1890/22 1891/11 1891/23 1892/23 1895/4 1895/5 1896/7 1897/14 1898/16 1900/11 1901/2 1901/15 1904/21 1905/7 1906/21 1911/12 1912/16 1912/20 1913/11 1914/1 1914/8times [24] 1619/3 1620/4 1635/10 1635/25 1637/19 1638/20 1657/10 1659/13 1702/11 1745/7 1745/9 1745/11 1745/13 1745/15 1745/18 1746/5 1746/11 1746/13 1748/1 1793/22 1794/16 1911/15 1913/17 1914/9timing [3] 1759/22 1904/8 1905/10tired [1] 1715/20title [6] 1886/13 1886/19 1886/20 1887/23 1888/4 1888/19titles [3] 1886/3 1886/10 1888/18today [6] 1627/17 1747/18 1830/10 1902/13 1908/16 1913/11together [18] 1648/1 1667/8 1673/1 1676/8 1676/9 1680/6 1680/7 1703/12 1703/16 1716/12 1723/15 1766/16 1795/21 1805/2 1845/3 1845/10 1857/12 1911/17told [76] 1616/20 1619/24 1620/1 1620/3 1625/9 1631/14 1635/10 1637/6 1639/19 1644/16 1644/18 1645/5 1648/7 1651/1 1657/12 1659/4 1685/4 1696/6 1696/12 1708/12 1711/2 1715/5 1715/9 1715/12 1715/16 1715/19

1729/21 1729/24 1731/6 1731/10 1731/17 1731/18 1742/1 1742/10 1743/20 1744/2 1746/23 1768/5 1773/10 1773/14 1775/4 1786/9 1787/17 1788/4 1810/21 1811/5 1811/8 1811/14 1811/17 1813/11 1813/13 1824/2 1832/24 1835/18 1835/19 1836/2 1836/16 1846/14 1847/7 1847/11 1848/25 1850/19 1851/7 1861/4 1862/15 1869/23 1872/9 1879/23 1880/3 1880/4 1881/23 1881/24 1881/25 1883/14 1885/11 1910/10tomorrow [5] 1627/18 1864/19 1908/18 1909/8 1909/19tonight [1] 1906/20too [7] 1627/10 1667/21 1668/11 1699/13 1736/24 1840/12 1898/2took [27] 1638/3 1705/25 1786/8 1820/6 1841/23 1842/14 1843/22 1851/5 1855/20 1856/1 1864/15 1865/3 1865/5 1879/17 1879/22 1880/24 1882/8 1882/10 1882/10 1885/16 1888/22 1889/14 1892/25 1893/23 1896/13 1900/18 1911/15tool [2] 1629/21 1679/23Tools [2] 1630/1 1630/18top [11] 1628/20 1630/15 1643/22 1665/9 1666/2 1716/6 1716/9 1725/19 1726/25 1749/5 1875/21topic [2] 1894/9 1906/14Toronto [1] 1732/24torture [1] 1671/3total [27] 1621/18 1621/24 1622/17 1622/22 1622/23 1623/11 1623/14 1623/16 1623/25 1624/11 1624/15 1656/18 1656/25 1677/6 1678/25 1747/23 1752/1 1757/6 1761/10 1776/4 1781/13 1781/19 1782/10 1784/1 1785/1 1789/8 1829/16totals [2] 1749/24 1782/6touch [2] 1673/21 1737/7tour [3] 1883/2 1883/3 1883/4toward [1] 1654/18towards [2] 1641/7 1846/1TPC [2] 1716/5 1716/15track [8] 1676/17 1676/18 1691/1 1762/20 1762/24 1810/4 1810/10 1810/14tracked [2] 1763/4 1810/12tracking [36] 1618/17 1618/19 1675/23 1676/3 1676/7 1679/2 1689/2 1748/21 1749/3 1749/14 1751/3 1756/3 1757/3 1757/4 1757/5 1757/15 1757/16 1757/16 1757/17 1758/1 1758/4 1758/8 1758/13 1758/19 1760/14 1760/23 1762/12 1762/17 1763/10 1795/10 1799/10 1809/10 1809/16 1810/3 1810/4 1810/7

1964

Ttrade [9] 1631/15 1631/19 1640/14 1640/14 1643/10 1643/15 1668/14 1669/17 1706/2traded [4] 1640/12 1640/13 1649/12 1698/3traders [1] 1693/20trades [1] 1727/23trading [5] 1655/14 1692/4 1693/23 1706/9 1723/15trained [3] 1706/14 1798/19 1877/11trainer [3] 1707/23 1707/24 1708/1training [1] 1634/13transcript [4] 1613/7 1613/24 1914/2 1914/19transcription [1] 1613/24transfer [1] 1629/20travel [2] 1847/12 1847/12traveled [1] 1635/23traveling [1] 1843/25treasurer [2] 1674/23 1675/2treasurer's [1] 1675/16treasury [1] 1812/18trenches [1] 1724/15Trevor [3] 1884/9 1891/15 1891/17trial [4] 1613/7 1736/2 1900/3 1912/12trials [1] 1777/6tribunal [1] 1829/11tried [6] 1708/22 1764/21 1765/1 1793/14 1793/17 1823/15trip [18] 1772/13 1835/14 1846/2 1881/22 1881/23 1881/25 1882/3 1882/7 1882/8 1882/9 1882/11 1882/14 1882/16 1882/17 1882/21 1883/10 1883/20 1884/6Triple [8] 1679/10 1679/11 1679/11 1679/13 1679/17 1697/6 1697/10 1697/15trips [2] 1772/13 1882/5true [10] 1700/20 1741/14 1743/18 1770/12 1786/11 1793/2 1793/2 1793/4 1802/15 1909/12trust [2] 1673/15 1673/18Trusts [2] 1875/19 1876/3trustworthiness [4] 1822/11 1822/14 1822/14 1822/17truth [26] 1627/23 1632/11 1686/6 1729/8 1736/2 1736/2 1736/3 1750/8 1750/24 1752/25 1754/8 1759/1 1760/8 1779/8 1779/11 1817/17 1817/17 1817/17 1831/15 1851/24 1869/17 1879/12 1879/19 1893/14 1893/21 1899/18try [6] 1784/21 1790/11 1828/11 1887/7 1901/10 1901/24trying [15] 1657/24 1657/24 1658/1 1658/3 1690/18 1690/24 1691/1 1712/22 1744/12 1761/25 1764/18 1793/19 1818/21 1849/16

1887/5Tuesday [1] 1869/17Tupelo [1] 1648/2turbulent [1] 1741/9turn [28] 1624/4 1628/2 1628/17 1629/23 1630/13 1632/19 1634/9 1644/1 1685/6 1718/23 1743/20 1769/16 1770/14 1781/4 1781/11 1813/18 1853/2 1857/7 1858/19 1858/21 1859/10 1859/12 1859/15 1860/7 1860/25 1861/5 1864/12 1902/7turned [2] 1670/10 1860/16turning [3] 1798/6 1860/4 1860/14turns [1] 1911/25tutelage [1] 1733/11Twenty [2] 1619/10 1815/3Twenty-four percent [1] 1815/3Twenty-something [1] 1619/10twice [5] 1619/21 1702/13 1707/4 1727/15 1794/12two [30] 1636/23 1636/24 1642/1 1642/2 1646/23 1648/18 1648/19 1662/1 1699/18 1703/14 1710/17 1727/9 1727/21 1736/15 1750/22 1752/19 1756/14 1762/11 1776/20 1794/15 1797/4 1799/2 1806/5 1842/17 1844/6 1864/19 1906/13 1910/18 1911/14 1911/15twofold [1] 1837/7TX [5] 1613/14 1613/22 1614/5 1614/7 1614/11type [6] 1637/21 1637/21 1724/25 1727/22 1769/19 1911/4types [5] 1642/11 1642/14 1658/22 1727/21 1783/15typing [1] 1663/24

UU.S [2] 1613/16 1614/10uh [22] 1659/12 1661/9 1662/25 1663/23 1664/11 1664/15 1665/8 1665/11 1666/19 1667/19 1668/8 1669/24 1677/2 1679/7 1713/19 1724/1 1740/4 1747/3 1808/23 1814/24 1840/1 1858/16uh-huh [22] 1659/12 1661/9 1662/25 1663/23 1664/11 1664/15 1665/8 1665/11 1666/19 1667/19 1668/8 1669/24 1677/2 1679/7 1713/19 1724/1 1740/4 1747/3 1808/23 1814/24 1840/1 1858/16Uke [1] 1683/17ultimate [5] 1631/18 1768/20 1769/18 1769/19 1788/18ultimately [6] 1629/10 1636/18 1652/16 1724/6 1860/7 1880/17umbrella [5] 1643/22 1666/2 1675/8 1789/10 1789/13unaudited [1] 1807/6uncomfortable [1] 1658/7

under [41] 1630/18 1632/25 1675/8 1677/13 1678/4 1678/22 1678/25 1683/23 1683/24 1720/5 1733/11 1736/5 1751/7 1751/8 1753/16 1754/21 1759/7 1779/16 1785/5 1785/6 1800/16 1809/4 1809/5 1818/23 1819/4 1820/14 1821/16 1821/20 1822/6 1833/19 1834/9 1862/4 1865/15 1865/17 1869/19 1871/20 1895/25 1905/3 1911/1 1911/3 1911/20undergraduate [1] 1825/24underneath [4] 1663/15 1664/3 1702/19 1725/22understand [55] 1622/7 1624/15 1625/6 1625/18 1626/4 1632/12 1634/16 1646/16 1648/19 1655/1 1655/8 1656/1 1663/3 1673/18 1679/6 1681/23 1686/22 1709/11 1712/10 1719/24 1721/4 1741/8 1741/9 1741/20 1760/9 1760/10 1770/6 1776/6 1779/18 1782/4 1783/20 1784/20 1839/4 1842/2 1845/11 1845/19 1845/20 1847/16 1847/18 1849/4 1852/24 1853/17 1854/11 1863/5 1868/18 1869/13 1871/17 1871/24 1879/21 1886/7 1887/10 1888/14 1898/6 1898/9 1909/19understanding [37] 1622/17 1622/23 1623/6 1623/14 1627/24 1630/10 1631/4 1634/25 1635/6 1649/1 1652/17 1657/6 1657/15 1659/23 1674/19 1688/14 1690/17 1690/22 1694/4 1695/1 1707/15 1707/18 1707/19 1713/9 1723/21 1723/24 1724/9 1727/13 1741/6 1755/2 1766/12 1835/9 1836/18 1861/19 1884/2 1903/1 1911/6understood [24] 1618/22 1622/21 1623/11 1627/3 1632/16 1643/19 1646/3 1652/10 1652/11 1656/9 1661/13 1756/10 1764/12 1769/21 1782/19 1782/24 1783/10 1786/5 1789/6 1800/13 1823/11 1823/18 1842/9 1883/19undertake [2] 1681/11 1837/3undertaken [1] 1882/7underway [1] 1616/24unethical [1] 1734/19unfairly [1] 1819/22unhappiness [1] 1841/23unique [1] 1864/21unison [2] 1616/19 1620/10unit [1] 1629/8unit's [1] 1629/9UNITED [11] 1613/1 1613/3 1613/8 1711/7 1723/14 1815/7 1817/9 1902/20 1903/5 1903/18 1903/20units [2] 1628/25 1629/6unless [7] 1660/14 1815/21

1965

Uunless... [5] 1822/10 1864/25 1883/12 1908/24 1911/4unlikely [1] 1770/24until [5] 1830/2 1860/25 1868/17 1900/25 1909/8untoward [3] 1675/19 1697/19 1773/7unusual [12] 1671/25 1674/23 1676/22 1681/8 1697/19 1698/20 1705/4 1723/5 1804/23 1805/1 1805/3 1807/8up [128] 1616/10 1617/14 1617/17 1620/13 1620/14 1622/12 1628/20 1629/3 1642/1 1642/3 1644/17 1651/17 1654/12 1656/21 1657/5 1657/13 1657/14 1657/16 1661/2 1662/24 1663/24 1664/18 1668/7 1677/25 1684/1 1684/2 1684/8 1684/17 1687/24 1688/11 1697/17 1704/7 1705/13 1716/13 1716/25 1717/19 1718/4 1719/9 1719/16 1720/1 1720/18 1720/18 1721/6 1723/22 1726/1 1726/6 1726/9 1728/3 1729/7 1737/3 1740/18 1740/20 1743/1 1747/14 1747/17 1747/22 1749/6 1750/12 1750/23 1752/13 1753/13 1753/19 1754/14 1755/11 1759/21 1763/2 1769/20 1772/6 1772/8 1772/9 1774/19 1774/24 1776/12 1777/4 1777/6 1778/21 1790/15 1790/22 1794/12 1794/15 1796/1 1800/21 1802/21 1803/3 1806/3 1811/11 1811/23 1813/25 1817/20 1817/24 1818/21 1819/16 1819/17 1822/25 1823/17 1823/20 1823/21 1824/15 1831/16 1832/4 1832/19 1834/18 1839/13 1843/12 1845/16 1847/23 1863/13 1864/12 1873/1 1875/21 1883/22 1886/8 1887/8 1895/22 1898/3 1899/14 1899/18 1900/11 1900/15 1901/4 1901/8 1902/9 1907/1 1907/9 1907/23 1908/17 1909/17 1910/7update [1] 1781/8updated [4] 1714/20 1728/3 1795/22 1797/2upgrade [2] 1847/6 1847/21upgraded [1] 1847/17upgrading [1] 1847/3upon [9] 1735/4 1753/21 1753/22 1755/8 1774/23 1854/6 1854/7 1876/18 1879/23uproar [1] 1685/2upset [1] 1742/23us [52] 1613/13 1634/15 1636/15 1636/16 1648/24 1679/16 1680/25 1681/3 1681/3 1681/11 1681/21 1682/5 1683/6 1683/11 1685/19 1687/18 1687/19

1688/19 1691/15 1691/19 1694/19 1694/20 1694/20 1700/15 1700/16 1704/6 1704/20 1704/25 1705/11 1707/15 1707/21 1708/11 1711/1 1712/8 1721/14 1721/19 1722/6 1732/19 1734/17 1736/8 1736/15 1762/24 1807/14 1808/13 1813/11 1813/13 1815/14 1822/12 1828/18 1867/24 1903/18 1912/8US bonds [1] 1762/24use [13] 1620/17 1621/2 1650/16 1655/13 1701/10 1705/3 1762/24 1763/25 1765/16 1781/17 1798/15 1869/13 1876/19used [18] 1655/8 1671/17 1671/21 1673/3 1722/24 1733/8 1733/10 1738/24 1747/4 1773/7 1786/9 1798/22 1799/12 1845/6 1868/15 1913/11 1913/12 1913/18using [3] 1620/6 1870/24 1898/18usually [2] 1650/13 1742/2

Vvacation [1] 1638/7valid [1] 1909/17validity [1] 1807/22Vallarta [3] 1716/8 1716/19 1717/23valuation [2] 1657/4 1679/23valuations [2] 1657/14 1657/17value [4] 1623/5 1656/22 1657/5 1819/23Venezuela [3] 1667/15 1667/18 1677/18venture [28] 1640/23 1640/25 1641/3 1641/11 1642/6 1643/1 1643/6 1643/19 1650/7 1650/21 1651/7 1652/8 1652/9 1652/14 1652/15 1652/16 1652/17 1696/15 1696/17 1697/21 1697/24 1699/4 1699/8 1699/18 1710/9 1766/2 1766/6 1766/12veracity [1] 1622/3version [2] 1793/3 1877/10versus [10] 1637/22 1642/4 1642/12 1642/17 1679/14 1705/6 1738/1 1742/8 1759/23 1881/4very [46] 1618/23 1635/3 1638/1 1638/1 1638/2 1638/8 1638/9 1641/9 1642/17 1642/17 1643/15 1645/22 1646/14 1654/13 1654/14 1668/4 1669/23 1686/19 1686/22 1697/2 1701/1 1703/10 1703/10 1708/22 1711/16 1718/7 1734/8 1742/23 1767/4 1768/7 1769/19 1802/9 1802/17 1803/11 1806/25 1806/25 1821/1 1832/8 1840/12 1841/12 1841/17 1849/3 1853/1 1854/22 1882/4 1909/15

via [1] 1827/24videotape [1] 1914/8view [2] 1772/10 1855/20views [1] 1807/15violation [1] 1729/22visibly [1] 1841/23vision [1] 1660/7visit [3] 1708/14 1844/18 1881/24visiting [1] 1702/12voir [3] 1727/9 1740/19 1836/7VOLUME [1] 1613/9voluntarily [3] 1860/7 1885/14 1885/17

WWade [5] 1705/11 1705/17 1705/21 1715/9 1775/14wait [9] 1754/13 1755/8 1779/3 1821/8 1822/13 1823/13 1861/5 1863/20 1863/20waiting [6] 1617/8 1853/10 1855/17 1856/8 1906/18 1906/25waiving [1] 1894/1Wal [8] 1643/11 1655/13 1655/14 1655/15 1655/16 1655/19 1655/20 1655/21Wal-Mart [8] 1643/11 1655/13 1655/14 1655/15 1655/16 1655/19 1655/20 1655/21walk [5] 1637/12 1697/15 1751/16 1886/23 1887/21walked [2] 1640/7 1772/25walking [2] 1843/11 1852/16walks [1] 1685/1wall [1] 1640/3want [80] 1620/16 1620/16 1620/18 1620/20 1621/2 1627/15 1639/12 1643/12 1646/19 1660/20 1661/1 1670/2 1670/3 1681/1 1683/4 1683/9 1684/21 1685/16 1685/25 1686/20 1687/20 1687/22 1691/6 1708/21 1713/25 1718/12 1718/15 1718/17 1719/19 1727/8 1728/16 1728/23 1729/4 1729/5 1729/25 1735/14 1737/7 1741/17 1743/9 1750/16 1779/18 1779/18 1793/6 1803/23 1803/24 1804/6 1806/3 1806/19 1808/18 1817/5 1817/12 1817/23 1835/12 1835/15 1839/5 1863/12 1863/12 1863/14 1868/19 1872/1 1873/1 1886/15 1899/12 1899/24 1906/3 1906/9 1906/10 1906/16 1906/16 1907/1 1907/3 1907/20 1908/10 1909/3 1909/5 1909/8 1909/19 1912/9 1912/12 1912/13wanted [37] 1627/17 1638/3 1641/9 1641/11 1644/17 1660/8 1681/17 1681/21 1681/23 1681/23 1682/10 1682/19 1682/20 1684/15 1685/13 1685/14 1686/2

1966

Wwanted... [20] 1690/12 1690/15 1737/15 1737/20 1738/1 1740/8 1741/8 1741/19 1743/2 1743/6 1743/15 1743/16 1748/1 1759/21 1794/18 1843/23 1856/18 1880/5 1912/15 1913/7wanting [2] 1728/23 1737/11wants [5] 1692/16 1869/12 1886/25 1903/18 1907/6warm [3] 1617/13 1654/14 1654/16warms [1] 1617/17Warren [24] 1613/16 1617/1 1662/11 1662/12 1662/14 1662/17 1662/18 1662/22 1668/5 1675/23 1676/24 1723/9 1788/24 1793/8 1795/4 1798/25 1801/25 1803/9 1803/17 1889/6 1907/15 1909/7 1909/14 1914/8was [829] was no [2] 1774/15 1775/3Washington [1] 1613/17wasn't [44] 1616/9 1641/8 1667/13 1685/21 1685/21 1685/22 1686/5 1690/8 1694/23 1700/14 1705/22 1710/5 1710/25 1711/1 1714/18 1714/20 1717/23 1717/25 1734/1 1742/15 1764/3 1764/17 1783/10 1785/20 1786/11 1788/13 1789/5 1790/4 1791/22 1797/2 1799/9 1806/18 1809/25 1813/23 1815/6 1816/9 1823/2 1841/22 1869/14 1873/15 1878/17 1893/18 1899/23 1907/23waste [1] 1871/20watch [1] 1901/6watchful [1] 1849/6watching [2] 1632/22 1855/3wave [2] 1640/6 1772/25way [43] 1650/6 1652/11 1655/9 1669/9 1688/17 1699/10 1703/12 1706/5 1719/15 1719/21 1753/13 1755/5 1755/19 1755/20 1761/13 1769/18 1777/2 1790/15 1791/23 1792/14 1797/14 1798/9 1807/3 1809/13 1813/1 1814/11 1845/3 1845/10 1852/23 1852/25 1859/22 1867/23 1871/11 1872/4 1873/19 1881/20 1887/3 1888/1 1888/2 1894/10 1899/6 1909/5 1910/20we [209] 1616/22 1616/23 1619/24 1619/25 1620/6 1620/13 1620/14 1621/8 1623/4 1624/4 1624/23 1625/9 1627/22 1628/20 1629/15 1630/5 1630/13 1633/21 1636/8 1637/10 1640/6 1640/19 1642/14 1644/5 1646/4 1648/2 1652/8 1652/23 1653/12 1653/14 1654/13 1654/15 1656/5 1657/21

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1902/13 1906/18 1906/25 1907/17 1908/7 1909/1 1910/10 1911/22we've [10] 1643/7 1664/6 1722/18 1799/24 1834/17 1869/6 1870/15 1872/1 1901/13 1914/9wealth [1] 1680/7Wednesday [2] 1649/25 1650/1week [7] 1616/8 1645/12 1758/8 1809/17 1810/1 1843/21 1861/7weekly [5] 1633/5 1758/13 1795/9 1809/12 1809/25weeks [7] 1636/24 1637/19 1643/13 1649/16 1760/13 1855/9 1855/16weigh [1] 1755/9weight [5] 1787/25 1824/6 1887/7 1902/25 1902/25weird [2] 1672/2 1723/5Welcome [1] 1735/24well [132] 1620/9 1623/8 1624/20 1625/14 1626/12 1632/3 1632/4 1633/2 1633/4 1635/10 1639/13 1640/2 1641/7 1641/9 1641/22 1642/4 1642/16 1643/10 1643/22 1644/8 1644/16 1646/4 1650/11 1650/13 1650/18 1652/3 1652/14 1654/13 1655/2 1655/7 1656/5 1657/8 1657/20 1660/21 1669/9 1669/13 1670/21 1681/2 1681/18 1682/7 1683/4 1683/12 1684/24 1685/20 1686/4 1686/4 1688/21 1689/2 1693/7 1694/16 1694/16 1700/8 1700/14 1701/1 1701/14 1701/19 1705/5 1710/25 1711/2 1711/2 1712/15 1721/20 1722/14 1724/23 1729/9 1734/8 1734/19 1736/15 1739/1 1743/14 1751/9 1756/4 1758/1 1758/8 1758/24 1758/25 1759/3 1760/2 1762/13 1762/18 1762/22 1765/2 1766/18 1774/23 1789/5 1791/11 1791/14 1793/6 1797/6 1799/10 1809/17 1809/19 1812/21 1814/8 1817/3 1820/2 1822/15 1824/6 1824/9 1838/16 1839/14 1840/4 1842/4 1843/21 1844/15 1854/11 1860/23 1861/10 1862/3 1871/12 1871/14 1876/2 1876/17 1879/16 1880/22 1886/22 1896/23 1897/17 1900/1 1901/19 1904/18 1905/6 1906/22 1907/23 1908/3 1908/6 1909/12 1909/14 1910/10 1912/24 1913/2 1913/3well-structured [1] 1642/4went [25] 1618/9 1648/3 1649/14 1689/10 1690/18 1690/23 1690/24 1694/2 1703/15 1703/15 1706/14 1733/17 1733/17 1741/23 1762/13 1791/3 1793/9

1967

Wwent... [8] 1794/15 1824/10 1842/4 1860/23 1881/11 1886/3 1890/2 1896/17were [284] 1616/23 1619/24 1620/3 1620/6 1621/8 1625/9 1625/19 1625/20 1625/25 1626/3 1626/7 1626/7 1626/9 1626/13 1626/13 1627/1 1636/8 1636/12 1637/7 1637/8 1637/22 1638/1 1638/20 1638/23 1639/19 1640/2 1641/4 1641/12 1641/17 1641/17 1642/5 1642/5 1642/7 1643/23 1644/3 1645/2 1646/5 1646/14 1646/25 1646/25 1647/15 1648/18 1650/12 1650/17 1650/18 1652/8 1652/23 1654/8 1654/13 1657/2 1657/5 1657/17 1658/6 1658/9 1658/23 1659/13 1659/14 1660/23 1661/16 1663/19 1664/3 1666/12 1667/11 1667/12 1667/18 1667/23 1668/5 1668/6 1670/16 1676/11 1677/6 1677/7 1677/12 1677/13 1677/22 1678/3 1679/5 1680/19 1680/19 1681/24 1681/25 1682/6 1683/16 1684/17 1685/23 1685/24 1686/12 1688/10 1689/1 1689/25 1690/3 1693/23 1695/6 1695/15 1695/23 1696/6 1697/16 1700/7 1700/8 1700/22 1702/1 1702/18 1702/19 1710/5 1714/7 1714/21 1716/2 1716/17 1716/21 1716/22 1717/13 1717/14 1717/15 1723/2 1723/22 1727/16 1727/21 1728/4 1728/6 1728/7 1728/7 1729/1 1729/8 1729/21 1730/23 1731/6 1731/10 1731/17 1731/18 1733/8 1733/10 1733/10 1733/21 1733/24 1734/5 1734/5 1737/11 1740/23 1740/25 1741/3 1741/9 1741/13 1742/5 1742/10 1742/25 1743/16 1745/23 1745/24 1746/8 1746/25 1750/9 1751/4 1751/23 1752/15 1760/25 1761/25 1762/23 1764/8 1765/10 1765/13 1765/24 1767/25 1768/5 1771/11 1772/12 1772/24 1773/1 1773/10 1773/11 1773/14 1775/4 1775/5 1776/23 1777/14 1780/6 1786/9 1787/6 1787/17 1788/4 1788/7 1789/7 1789/7 1790/2 1791/7 1792/16 1794/12 1794/15 1794/22 1794/23 1795/1 1795/1 1795/8 1798/19 1799/6 1799/10 1800/15 1801/1 1802/12 1805/14 1805/22 1809/10 1809/13 1810/17 1810/21 1810/21 1811/5 1811/20 1812/10 1813/3 1814/11 1816/3 1821/4 1821/19

1823/11 1827/9 1830/24 1835/8 1836/2 1837/7 1837/15 1839/24 1840/11 1840/15 1840/15 1840/17 1841/2 1842/23 1843/1 1843/2 1843/11 1844/7 1846/3 1846/5 1846/6 1846/8 1847/7 1850/21 1851/14 1853/3 1853/5 1854/4 1855/16 1856/8 1856/14 1856/18 1856/21 1856/22 1857/5 1857/6 1858/14 1858/14 1859/21 1864/5 1866/9 1866/11 1866/15 1869/23 1872/8 1877/13 1877/17 1878/2 1878/12 1880/3 1880/23 1881/4 1881/11 1881/21 1881/23 1881/24 1881/25 1882/1 1882/11 1882/17 1883/14 1883/14 1885/11 1886/12 1888/9 1888/11 1890/9 1891/11 1891/23 1894/12 1904/1weren't [18] 1641/18 1678/6 1700/18 1723/6 1729/9 1729/19 1729/21 1746/9 1765/24 1770/11 1771/16 1771/21 1777/15 1787/13 1791/10 1791/13 1800/15 1824/10what [484] what's [50] 1622/5 1623/5 1625/1 1640/10 1645/24 1646/2 1651/5 1665/24 1679/11 1682/3 1688/19 1739/4 1750/2 1751/14 1755/22 1757/2 1757/10 1757/12 1757/14 1760/12 1770/3 1770/7 1773/14 1776/19 1778/7 1779/12 1780/25 1781/19 1782/2 1784/8 1796/11 1796/24 1812/16 1818/1 1818/17 1819/5 1819/25 1825/3 1825/15 1829/9 1831/13 1834/7 1836/18 1849/13 1862/1 1871/23 1876/5 1876/25 1893/22 1904/23whatever [12] 1626/16 1636/17 1675/13 1690/16 1709/9 1727/9 1739/11 1790/9 1817/21 1842/5 1909/20 1911/9whatsoever [1] 1839/5when [113] 1628/14 1629/3 1635/14 1635/23 1637/10 1640/3 1641/24 1644/5 1645/9 1645/11 1645/16 1648/5 1648/11 1651/5 1655/10 1658/5 1661/13 1668/4 1668/5 1669/17 1672/22 1682/5 1684/14 1684/24 1685/1 1685/1 1688/9 1688/9 1695/23 1700/6 1700/14 1708/12 1708/19 1711/2 1711/12 1718/9 1724/15 1736/6 1743/23 1748/13 1753/20 1762/6 1762/16 1762/18 1762/25 1763/3 1763/13 1764/21 1765/3 1765/13 1768/7 1768/24 1769/6 1769/18 1773/11 1774/19

1788/24 1793/18 1794/18 1795/1 1799/6 1803/23 1811/11 1823/10 1823/20 1827/13 1830/3 1841/7 1843/7 1853/5 1853/9 1855/16 1856/8 1857/1 1860/23 1862/22 1865/8 1865/11 1865/24 1866/11 1866/16 1866/20 1868/17 1874/20 1876/19 1877/2 1882/7 1882/11 1882/17 1885/4 1886/1 1887/21 1888/4 1890/5 1890/9 1890/13 1890/22 1891/2 1892/20 1892/25 1892/25 1893/4 1893/6 1893/7 1897/9 1897/11 1898/17 1898/20 1900/23 1902/9 1903/25 1904/1 1904/18whenever [1] 1661/10where [76] 1617/23 1618/1 1623/4 1625/6 1626/24 1626/25 1627/18 1627/19 1630/6 1630/15 1631/2 1632/21 1633/4 1638/23 1639/21 1640/11 1651/24 1652/10 1659/13 1659/16 1659/18 1659/20 1660/8 1662/7 1665/25 1682/2 1687/19 1689/6 1695/12 1695/16 1695/24 1701/16 1702/5 1724/12 1727/22 1728/1 1733/10 1735/22 1741/9 1741/17 1741/20 1744/13 1746/9 1751/14 1752/13 1761/25 1762/5 1767/2 1767/7 1767/9 1769/25 1778/10 1779/1 1791/7 1794/12 1800/2 1807/5 1808/10 1811/12 1812/8 1813/22 1814/20 1821/16 1822/15 1823/3 1823/14 1824/14 1825/11 1825/13 1825/24 1826/7 1849/6 1853/1 1858/13 1865/22 1871/11Where's [1] 1865/1whereby [2] 1878/16 1878/19whether [54] 1620/8 1633/9 1633/15 1657/2 1713/13 1714/23 1727/4 1727/5 1727/5 1740/13 1744/21 1748/20 1749/1 1761/1 1761/6 1761/7 1761/9 1761/13 1767/13 1768/1 1770/22 1772/18 1777/21 1778/12 1783/6 1785/6 1785/15 1787/23 1789/6 1792/16 1793/2 1793/9 1805/2 1811/19 1812/10 1812/11 1813/8 1819/10 1819/21 1819/22 1833/5 1859/19 1866/19 1866/25 1873/16 1884/1 1884/20 1889/19 1889/21 1898/10 1899/23 1902/5 1903/7 1910/5which [58] 1618/24 1642/19 1642/19 1643/13 1646/18 1649/16 1651/9 1652/4 1654/17 1669/4 1679/25 1682/16 1708/23 1711/5 1719/10 1721/13 1721/21 1731/5 1731/23 1735/4 1740/16 1742/2 1742/25 1743/5 1743/20 1749/17

1968

Wwhich... [32] 1752/15 1759/6 1764/5 1766/23 1770/4 1771/9 1775/25 1783/6 1790/7 1790/8 1807/20 1808/16 1813/17 1819/3 1821/22 1822/8 1824/2 1826/20 1828/10 1834/12 1841/17 1843/16 1844/9 1845/21 1853/21 1858/14 1859/18 1868/4 1884/17 1886/12 1891/10 1897/6while [8] 1617/16 1630/11 1641/4 1679/5 1719/15 1734/11 1780/6 1906/18who [143] 1618/5 1619/13 1620/1 1625/5 1626/2 1626/7 1626/25 1628/9 1629/12 1630/15 1631/20 1632/7 1632/8 1632/16 1634/18 1644/12 1644/18 1647/19 1648/24 1649/6 1651/21 1652/2 1652/2 1652/5 1652/15 1652/16 1656/9 1660/6 1662/6 1664/4 1664/20 1665/3 1665/12 1666/9 1666/11 1666/11 1682/22 1683/18 1693/22 1702/1 1702/21 1703/9 1705/13 1705/15 1705/17 1705/21 1707/24 1711/18 1713/17 1713/22 1715/9 1717/4 1724/6 1734/21 1749/25 1754/10 1755/3 1755/11 1772/6 1775/11 1775/18 1776/2 1776/22 1776/22 1777/17 1777/19 1780/12 1780/14 1780/23 1782/22 1787/9 1790/17 1803/4 1803/8 1810/18 1811/8 1818/2 1818/11 1820/7 1822/18 1823/7 1829/20 1830/13 1831/1 1831/3 1833/14 1833/16 1835/7 1835/9 1836/2 1836/12 1836/16 1836/18 1838/20 1840/14 1846/4 1846/5 1848/6 1848/7 1848/23 1851/3 1851/18 1853/11 1854/12 1854/20 1856/2 1858/6 1859/4 1859/7 1859/25 1860/5 1860/18 1860/20 1861/12 1863/19 1864/15 1865/3 1865/5 1868/8 1868/10 1868/11 1873/11 1874/3 1875/17 1877/16 1878/6 1879/6 1880/6 1880/20 1882/24 1883/3 1883/6 1884/8 1884/10 1884/12 1884/13 1888/22 1888/22 1889/14 1889/14 1891/14 1894/15 1900/19who's [4] 1725/19 1743/10 1868/21 1889/12whole [17] 1658/2 1676/14 1683/9 1724/11 1736/2 1739/7 1739/8 1739/10 1744/12 1772/24 1789/9 1805/19 1817/17 1825/3 1844/4 1872/19 1880/22whom [7] 1661/16 1666/1 1706/16 1827/11 1832/21 1835/6 1838/8

whose [7] 1629/8 1636/2 1637/2 1718/25 1763/17 1783/12 1878/9why [92] 1616/23 1619/22 1624/20 1631/17 1632/3 1633/19 1635/9 1636/4 1637/7 1637/25 1638/5 1639/16 1640/1 1643/9 1644/14 1645/1 1646/13 1647/4 1648/13 1648/22 1650/11 1651/1 1652/13 1654/9 1654/12 1654/23 1655/3 1656/14 1694/19 1704/20 1705/4 1708/6 1711/1 1712/8 1712/17 1713/9 1714/6 1722/12 1737/16 1737/20 1754/6 1765/2 1813/25 1820/4 1823/14 1831/5 1831/11 1832/7 1832/18 1832/23 1835/2 1838/14 1840/17 1846/3 1850/2 1850/2 1850/16 1851/2 1854/9 1854/16 1857/4 1859/17 1861/15 1867/3 1870/9 1871/3 1871/3 1871/7 1874/2 1874/12 1877/9 1878/15 1879/4 1881/19 1882/20 1883/14 1884/23 1884/23 1885/2 1885/7 1885/10 1885/11 1885/13 1885/21 1885/25 1886/21 1888/17 1901/7 1903/18 1905/24 1908/24 1914/3wide [1] 1798/15will [34] 1629/8 1630/9 1650/1 1655/17 1679/16 1702/5 1710/18 1730/2 1731/14 1732/1 1736/2 1748/15 1751/10 1753/16 1755/2 1777/5 1784/21 1804/6 1808/7 1817/16 1827/3 1828/12 1830/16 1831/22 1835/25 1847/22 1879/15 1887/4 1900/9 1901/22 1902/24 1908/18 1909/18 1909/25William [1] 1613/15Williams [2] 1662/5 1662/8withdraw [1] 1672/22withdrawals [2] 1644/6 1674/10withdrawn [1] 1674/9withdraws [1] 1674/8within [7] 1630/20 1669/4 1669/11 1669/20 1674/16 1820/10 1858/6without [10] 1656/13 1730/23 1743/21 1744/3 1823/1 1823/20 1842/7 1893/3 1900/10 1904/8witness [39] 1617/3 1627/7 1660/11 1699/12 1713/13 1714/24 1735/15 1735/18 1738/25 1744/15 1748/6 1752/7 1753/16 1755/7 1776/11 1776/15 1788/20 1789/18 1809/7 1816/15 1816/21 1817/2 1817/8 1817/11 1820/8 1824/2 1824/20 1836/7 1868/16 1869/13 1869/14 1871/13 1893/23 1900/17 1906/14 1910/6 1910/8 1912/13 1913/4

witness' [5] 1740/13 1831/16 1851/25 1861/19 1903/1WITNESSES [1] 1615/3wonder [1] 1627/18word [6] 1671/16 1691/19 1773/7 1814/25 1829/24 1843/6wording [1] 1905/6words [13] 1730/17 1751/9 1755/9 1788/17 1845/6 1845/7 1867/21 1879/17 1879/21 1881/9 1885/10 1893/17 1894/9work [32] 1618/1 1618/22 1636/14 1637/21 1637/22 1637/22 1637/23 1641/25 1679/9 1679/10 1683/19 1684/4 1691/10 1712/22 1724/10 1725/24 1734/20 1734/21 1775/21 1785/18 1832/1 1833/6 1845/3 1845/10 1855/20 1857/5 1859/7 1860/1 1864/3 1890/3 1911/17 1911/18work -- I [1] 1724/10worked [25] 1617/24 1619/4 1619/7 1619/8 1619/20 1637/10 1639/21 1652/2 1665/25 1679/5 1679/10 1679/11 1693/7 1702/1 1702/2 1702/5 1704/23 1705/22 1706/19 1712/15 1775/11 1810/13 1859/8 1860/2 1860/20working [20] 1616/14 1617/11 1625/21 1632/25 1638/7 1638/21 1651/11 1680/19 1702/19 1706/3 1713/1 1713/7 1714/9 1723/2 1747/1 1764/8 1770/16 1832/4 1832/19 1843/16works [3] 1673/23 1777/4 1860/18world [9] 1657/17 1663/16 1663/16 1675/10 1675/14 1738/2 1743/3 1743/3 1802/4worldwide [1] 1810/18worried [1] 1682/6worry [4] 1647/25 1658/16 1659/2 1821/13worst [2] 1648/18 1648/20worst-performing [1] 1648/20would [214] 1618/21 1619/14 1620/2 1620/5 1621/20 1622/22 1623/7 1623/8 1623/10 1624/18 1625/3 1629/23 1630/14 1631/1 1631/14 1631/16 1631/21 1632/9 1632/19 1636/8 1636/13 1636/15 1637/12 1637/15 1640/6 1640/12 1643/22 1644/1 1644/5 1648/22 1649/13 1651/5 1652/3 1652/6 1652/10 1652/11 1653/18 1653/18 1660/1 1660/13 1662/9 1663/10 1663/13 1666/14 1667/6 1667/8 1667/10 1669/3 1669/4 1669/9 1670/12 1670/17 1670/18 1671/11 1672/18 1675/18 1677/18 1678/8 1678/9 1678/12

1969

Wwould... [154] 1679/18 1679/25 1682/3 1682/4 1682/17 1682/24 1687/5 1687/10 1687/12 1687/18 1689/13 1692/15 1693/23 1695/2 1700/16 1700/20 1701/13 1702/15 1702/17 1705/14 1709/11 1709/14 1709/16 1710/6 1713/12 1717/15 1720/10 1720/13 1720/16 1721/9 1721/10 1721/16 1725/15 1728/12 1729/13 1729/22 1734/19 1735/21 1736/9 1741/16 1743/25 1745/1 1747/12 1747/17 1747/19 1747/21 1747/24 1748/2 1748/5 1749/12 1750/7 1750/17 1751/7 1752/5 1755/25 1756/22 1757/5 1757/18 1757/20 1758/7 1758/22 1759/5 1759/6 1760/7 1761/16 1762/18 1762/20 1763/25 1763/25 1765/14 1765/22 1766/25 1767/2 1767/7 1767/9 1768/5 1768/23 1769/3 1769/11 1769/13 1769/14 1769/15 1770/10 1770/21 1770/25 1771/12 1771/13 1771/15 1771/22 1772/2 1773/1 1775/5 1779/6 1782/6 1783/15 1783/20 1786/21 1787/14 1787/15 1788/14 1798/4 1799/22 1800/6 1803/13 1811/13 1812/4 1812/6 1812/22 1812/23 1813/5 1813/7 1814/14 1824/2 1834/9 1837/7 1838/19 1838/24 1840/4 1841/10 1850/15 1851/15 1853/2 1854/21 1857/7 1858/24 1859/3 1860/18 1865/12 1868/3 1868/8 1870/3 1870/7 1870/11 1872/12 1872/14 1872/22 1872/24 1873/6 1873/24 1874/1 1876/17 1876/19 1876/23 1878/7 1878/19 1881/7 1893/12 1899/23 1906/12 1910/3 1910/4 1910/11 1912/19 1913/9wouldn't [10] 1650/24 1652/13 1671/3 1685/6 1685/9 1765/20 1767/8 1767/10 1821/20 1824/1Wrenford [1] 1883/4write [2] 1690/3 1869/18writing [3] 1705/1 1719/22 1759/20written [8] 1684/25 1689/3 1689/6 1689/8 1689/12 1770/7 1787/5 1802/23wrong [20] 1663/17 1668/20 1703/24 1706/3 1706/5 1706/6 1762/21 1768/23 1769/5 1770/10 1771/14 1771/18 1771/23 1772/19 1772/21 1773/2 1775/6 1786/11 1801/5 1899/1wrote [3] 1683/12 1689/13

1704/7

XX'd [1] 1789/3X's [2] 1788/25 1790/1X-amount [1] 1747/18

YYahoo [4] 1649/13 1649/14 1650/8 1650/17yeah [18] 1644/24 1664/23 1668/25 1679/4 1688/18 1690/7 1703/15 1708/12 1709/18 1712/25 1715/25 1716/21 1722/14 1727/8 1732/8 1834/1 1907/4 1912/19year [36] 1621/19 1621/25 1622/18 1622/24 1623/12 1623/15 1623/25 1624/11 1624/15 1644/16 1645/13 1647/1 1648/15 1648/18 1648/20 1658/9 1669/11 1669/14 1669/15 1669/20 1719/10 1759/22 1771/8 1771/11 1771/13 1771/24 1771/25 1804/8 1809/19 1809/22 1812/17 1812/18 1815/21 1830/3 1830/21 1843/20year's [1] 1669/4year-to-date [1] 1809/22years [14] 1644/8 1659/10 1659/22 1663/18 1711/12 1727/16 1771/5 1771/5 1792/22 1797/2 1797/18 1825/10 1829/16 1830/22yes [395] yes-or-no [1] 1778/17yesterday [1] 1872/17yet [9] 1650/19 1734/3 1759/21 1894/3 1898/14 1903/14 1903/15 1907/17 1910/8York [1] 1613/17you [1503] you'd [1] 1628/17you'll [5] 1627/16 1650/15 1650/16 1887/8 1912/4you're [58] 1621/2 1623/22 1638/7 1641/24 1647/9 1656/9 1663/15 1666/20 1667/7 1669/18 1670/24 1670/24 1684/19 1685/16 1686/24 1687/20 1700/11 1703/2 1706/23 1724/15 1730/15 1735/4 1735/22 1736/1 1736/5 1736/6 1736/25 1743/23 1758/25 1763/14 1765/3 1765/4 1776/12 1793/23 1794/19 1799/8 1812/20 1817/4 1817/5 1817/15 1819/16 1823/2 1829/19 1861/22 1862/20 1863/6 1881/8 1894/4 1896/5 1896/15 1896/19 1896/21 1897/17 1899/19 1905/17 1911/16 1911/17 1911/18you've [5] 1622/10 1706/22 1748/13 1751/10 1899/10you-all [3] 1800/25 1806/3 1871/17your [391]

yours [1] 1725/24yourself [2] 1695/20 1855/19

ZZack [4] 1683/17 1683/19 1683/22 1685/2Zarich [13] 1628/10 1628/14 1631/5 1631/7 1631/9 1631/14 1711/20 1711/21 1711/22 1713/18 1713/23 1714/18 1715/19Ziad [1] 1777/20zoo [1] 1642/4

1970

Documents

Allen Stanford Criminal Trial Transcript Volume 6 Jan. 30, 2012