Condi t i oned on t he under st andi ngs speci f i ed bel ow, t hi s

Of f i ce wi l l accept a gui l t y pl ea f r omTer esa Gi udi ce t o Count s

1 , 1 5, 23, and 36 of t he Super sedi ng I ndi ct ment , Cr i mi nal No.
1 3- 495 ( ES) , whi ch char ge conspi r acy t o commi t mai l and wi r e
f r aud, cont r ar y t o 1 8 U. S. C. 1 341 and 1 343, i n vi ol at i on of
1 8 U. S. C. 1 349 ( Count l ) ; conceal ment of asset s i n vi ol at i on
of 1 8 U. S. C. 1 52 ( 1 ) ( Count 1 5) ; f al se oat hs i n vi ol at i on of 1 8
U. S. C. 1 52( 2) ( Count 23) ; and f al se decl ar at i ons i n vi ol at i on
of 1 8 U. S. C. 1 52 ( 3) ( Count 36) . I f Ter esa Gi udi ce ent er s a
gui l t y pl ea and i s sent enced on t hese char ges, and ot her wi se
f ul l y compl i es wi t h al l of t he t er ms of t hi s agr eement , t hi s
Of f i ce wi l l not i ni t i at e any f ur t her cr i mi nal char ges agai nst
Ter esa Gi udi ce f or her conduct bet ween i n or about Sept ember
2001 t hr ough i n or about J une 201 1 i n conspi r i ng wi t h ot her s t o
obt ai n mor t gage l oans by means of f r aud and mi sr epr esent at i ons;
commi t t i ng bankr upt cy f r aud by conceal i ng asset s, maki ng f al se
oat hs, and maki ng f al se decl ar at i ons; and f ai l i ng t o f i l e i ncome
t axes. I n addi t i on, i f Ter esa Gi udi ce f ul l y compl i es wi t h al l
Char ges
Thi s l et t er set s f or t h t he pl ea agr eement bet ween your
cl i ent , Ter esa Gi udi ce, and t he Uni t ed St at es At t or ney f or t he
Di st r i ct of New J er sey ( " t hi s Of f i ce" ) .
Dear Mr . Kl i ngeman:
Re: Pl ea Agr eement wi t h Ter esa Gi udi ce
Henr y E. Kl i ngeman, Esq.
Kr ovat i n Kl i ngeman LLC
60 Par k Pl ace, Sui t e 1 1 00
Newar k, NJ 071 02
Febr uar y 21 , 201 4
973-645-2700 970 Broad Street, ?' "floor
Newark, New Jersey 07102
United States Attorney
District of New Jersey
Criminal Division
U.S. Department of Justice
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The vi ol at i on of 1 8 U. S. C. 1 52( 3) char ged i n Count 36 t o
whi ch Ter esa Gi udi ce agr ees t o pl ead gui l t y car r i es a st at ut or y
maxi mum pr i son sent ence of 5 year s and a st at ut or y maxi mum f i ne
equal t o t he gr eat est of : ( 1 ) $250, 000; ( 2) t wi ce t he gr oss
amount of any pecuni ar y gai n t hat any per sons der i ved f r omt he
of f ense; or ( 3) t wi ce t he gr oss amount of any pecuni ar y l oss
sust ai ned by any vi ct i ms of t he of f ense.
The vi ol at i on of 1 8 U. S. C. 1 52( 2) char ged i n Count 23 t o
whi ch Ter esa Gi udi ce agr ees t o pl ead gui l t y car r i es a st at ut or y
maxi mumpr i son sent ence of 5 year s and a st at ut or y maxi mum f i ne
equal t o t he gr eat est of : ( 1 ) $250, 000; ( 2) t wi ce t he gr oss
amount of any pecuni ar y gai n t hat any per sons der i ved f r omt he
of f ense; or ( 3) t wi ce t he gr oss amount of any pecuni ar y l oss
sust ai ned by any vi ct i ms of t he of f ense.
The vi ol at i on of 1 8 U. S. C. 1 52( 1 ) char ged i n Count 1 5 t o
whi ch Ter esa Gi udi ce agr ees t o pl ead gui l t y car r i es a st at ut or y
maxi mum pr i son sent ence of 5 year s and a st at ut or y maxi mum f i ne
equal t o t he gr eat est of : ( 1 ) $250, 000; ( 2) t wi ce t he gr oss
amount of any pecuni ar y gai n t hat any per sons der i ved f r omt he
of f ense; or ( 3) t wi ce t he gr oss amount of any pecuni ar y l oss
sust ai ned by any vi ct i ms of t he of f ense.
The vi ol at i on of 1 8 U. S. C. 1 349 char ged i n Count 1 t o
whi ch Ter esa Gi udi ce agr ees t o pl ead gui l t y car r i es a st at ut or y
maxi mum pr i son sent ence of 20 year s and a st at ut or y maxi mumf i ne
equal t o t he gr eat est of : ( 1 ) $250, 000; ( 2) t wi ce t he gr oss
amount of any pecuni ar y gai n t hat any per sons der i ved f r omt he
of f ense; or ( 3) t wi ce t he gr oss amount of any pecuni ar y l oss
sust ai ned by any vi ct i ms of t he of f ense.
Sent enci ng
of t he t er ms of t hi s agr eement , at t he t i me of sent enci ng i n
t hi s mat t er , t hi s Of f i ce wi l l move t o di smi ss Count s 2 t hr ough
1 4, 1 6 t hr ough 21 , and 26 t hr ough 35 of t he Super sedi ng
I ndi ct ment , Cr i mi nal No. 1 3- 495 ( ES) , agai nst Ter esa Gi udi ce.
However , i n t he event t hat a gui l t y pl ea i n t hi s mat t er i s not
ent er ed f or any r eason or t he j udgment of convi ct i on ent er ed as
a r esul t of t hi s gui l t y pl ea does not r emai n i n f ul l f or ce and
ef f ect , def endant agr ees t hat any di smi ssed char ges and any
ot her char ges t hat ar e not t i me- bar r ed by t he appl i cabl e st at ut e
of l i mi t at i ons on t he dat e t hi s agr eement i s si gned by Ter esa
Gi udi ce may be commenced agai nst her , not wi t hst andi ng t he
expi r at i on of t he l i mi t at i ons per i od af t er Ter esa Gi udi ce si gns
t he agr eement .
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Except as ot her wi se pr ovi ded i n t hi s agr eement , t hi s
Of f i ce r eser ves i t s r i ght t o t ake any posi t i on wi t h r espect t o
t he appr opr i at e sent ence t o be i mposed on Ter esa Gi udi ce by t he
sent enci ng j udge, t o cor r ect any mi sst at ement s r el at i ng t o t he
sent enci ng pr oceedi ngs, and t o pr ovi de t he sent enci ng j udge and
t he Uni t ed St at es Pr obat i on Of f i ce al l l aw and i nf or mat i on
r el evant t o sent enci ng, f avor abl e or ot her wi se. I n addi t i on,
t hi s Of f i ce may i nf or m t he sent enci ng j udge and t he Uni t ed St at es
Pr obat i on Of f i ce of : ( 1 ) t hi s agr eement ; and ( 2) t he f ul l nat ur e
3
Ri ght s of Thi s Of f i ce Regar di ng Sent enci ng
Fur t her , i n addi t i on t o i mposi ng any ot her penal t y on
Ter esa Gi udi ce, t he sent enci ng j udge: ( 1 ) wi l l or der Ter esa
Gi udi ce t o pay an assessment of $1 00 per count pur suant t o 1 8
U. S. C. 301 3, whi ch assessment must be pai d by t he dat e of
sent enci ng; ( 2) must or der Ter esa Gi udi ce t o pay r est i t ut i on
pur suant t o 1 8 U. S. C. 3663 et ~; ( 3) may or der Ter esa
Gi udi ce, pur suant t o 1 8 U. S. C. 3555, t o gi ve not i ce t o any
vi ct i ms of her of f enses; and ( 4) pur suant t o 1 8 U. S. C. 3583,
may r equi r e Ter esa Gi udi ce t o ser ve a t er mof super vi sed r el ease
of not mor e t han 3 year s, whi ch wi l l begi n at t he expi r at i on of
any t er m of i mpr i sonment i mposed. Shoul d Ter esa Gi udi ce be
pl aced on a t er m of super vi sed r el ease and subsequent l y vi ol at e
any of t he condi t i ons of super vi sed r el ease bef or e t he
expi r at i on of i t s t er m, Ter esa Gi udi ce may be sent enced t o not
mor e t han 2 year s' i mpr i sonment i n addi t i on t o any pr i son t er m
pr evi ousl y i mposed, r egar dl ess of t he st at ut or y maxi mumt er mof
i mpr i sonment set f or t h above and wi t hout cr edi t f or t i me
pr evi ousl y ser ved on post - r el ease super vi si on, and may be
sent enced t o an addi t i onal t er mof super vi sed r el ease.
The sent ence t o be i mposed upon Ter esa Gi udi ce i s wi t hi n
t he sol e di scr et i on of t he sent enci ng j udge, subj ect t o t he
pr ovi si ons of t he Sent enci ng Ref or m Act , 1 8 U. S. C. 3551 -
3742, and t he sent enci ng j udge' s consi der at i on of t he Uni t ed
St at es Sent enci ng Gui del i nes. The Uni t ed St at es Sent enci ng
Gui del i nes ar e advi sor y, not mandat or y. The sent enci ng j udge may
i mpose any r easonabl e sent ence up t o and i ncl udi ng t he st at ut or y
maxi mum t er mof i mpr i sonment and t he maxi mum st at ut or y f i ne.
Thi s Of f i ce cannot and does not make any r epr esent at i on or
pr omi se as t o what gui del i ne r ange may be f ound by t he sent enci ng
j udge, or as t o what sent ence Ter esa Gi udi ce ul t i mat el y wi l l
r ecei ve.
The sent ence on each count may r un consecut i vel y. Fi nes
i mposed by t he sent enci ng j udge may be subj ect t o t he payment of
i nt er est .
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