**UN PUBLISHED** 
UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT

**No. 14**  **- 4066** 

UNITED STATES OF AMERICA , Plaintiff

- Appellee ,

v. ISHMAIL BAH, a/k/a Idrisss Gabiss Mansaray , Defendant

- Appellant

.

Appeal from the United States District Court for the Eastern District of Virginia , at Richmond

. James R. Spencer, Senior District Judge. ( 3:13

- cr - 00153

- JRS

- 1 )

Submitted : September 15, 2014 Decided: October 28, 2014

Before MOTZ and GREGORY , Circuit Judges , and DAVIS, Senior Circuit Judge

.

Affirmed by un published per curiam opinion

.

Michael S

. Nachmanoff , Federal Public Defender, Frances H. Pratt, Elizabeth W. Hanes , Assistant Federal Public Defender s , Richmond, Virginia, for Appellant. Dana J . Boente, U nited S tates Attorney , Michael C . M oore, Assistant U nited S tates Attorney , Ann M . Reardon , Special Assistant United States Attorney, Richmond, Virginia, for Appellee.
Unpublished opinions are not binding precedent in this circuit.2 PER CURIAM: Ishmail Bah pleaded guilty to bank fraud, in violation of 18 U.S.C. § 1344 (2012) , as charged in Count One of a six

count indictment . The district court sentenced him to eighteen months’ imprisonment. Bah appeals, challenging the validity of hi s guilty plea. For the reasons that follow, we affirm the criminal judgment.

B ah’s sole claim on appeal is that his guilty plea was not knowing and voluntary because the district court failed to explain the nature of the bank fraud offense to which he p led guilty, as required by Rule 11(b)(1)(G) of the Federal Rules of Criminal Procedure . Because he did not move in the district court to withdraw his guilty plea, we review Bah’s claim for plain error. United States v. Martinez , 277 F.3d 517, 525 (4th Ci r. 2002). “To establish plain error, [Bah] must show that an error occurred, that the error was plain, and that the error affected his substantial rights.” United States v. Muhammad , 478 F.3d 247, 249 (4th Cir. 2007). “In the Rule 11 context, this means that [Bah] must show a reasonable probability that, but for the error, he would not have entered the plea.” United States v. Massenburg , 564 F.3d 337, 343 (4th Cir. 2009) (internal quotation marks and citation omitted). Even if Bah satisfies these requi rements, “correction of the error remains within our discretion, which we should not exercise . . . unless3 the error seriously affect[s] the fairness, integrity or public reputation of judicial proceedings.” Muhammad , 478 F.3d at 249 (internal quotation m arks and citation omitted). “In explaining the nature of the charges to the defendant . . . the trial court is given a wide degree of discretion in deciding the best method to inform and ensure the defendant’s understanding.” United States v. DeFusco , 94 9 F.2d 114, 117 (4th Cir. 1991) (citation omitted). Moreover, “[a]lthough the defendant must receive notice of the true nature of the charge, . . . [he] need not receive this information at the plea hearing itself . . . [and may base the plea on] informat ion received on occasions before the plea hearing.” Id. (internal quotation marks and citations omitted). Here, Bah pled guilty to bank fraud in violation of 18 U.S.C. § 1344, which prohibits the knowing execution or attempt to execute a scheme or artifi ce: (1) to defraud a financial institution; or (2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, represen tations, or promises. 18 U.S.C. § 1344. A defendant violates § 1344(1) if he “(1)

. . . knowingly execute[s] or attempt[s] a scheme or artifice to defraud a financial institution, (2) he [does] so with intent to defraud, and (3) the institution [is] a fe derally insured or4 chartered bank.” United States v. Adepoju , 756 F.3d 250, 255 (4th Cir. 2014). A defendant who knowingly executes or attempts a scheme or artifice “‘to obtain any of the moneys . . . or other property owned by, or under the custody or c ontrol of, a [federally insured or chartered] financial insti tution,’” and does so “‘by means of false or fraudulent pretenses, representations or promises , ’” violates § 1344(2). Loughrin v. United States , 134 S. Ct. 2384, 2389 (2014) (quoting § 1344).

“ The major difference between the subsections is that § 1344(1) focuses on how the defendant’s conduct affects a bank, while
§ 1344(2) focuses solely on the conduct.” Adepoju , 756 F.3d at 255. Unlike § 1344(1), intent to defraud a bank is not an element of a § 1344(2) offense. Loughrin , 134 S. Ct. at 2389

- 90. Count One of t he indictment , in charging that Bah: did knowingly, unlawfully, and with intent to defraud, execute and attempt to execute a scheme and artifice to defraud and obtain money, funds, and property owned by and under the custody and control of financial institutions (as that term is defined in Title 18, United States Code, Section 20) by means of materially fal se and fr audulent pretenses and promises[,] set forth the elements of both § 1344(1) and § 1344(2)

. Bah acknowledged at the Rule 11 hearing that he received a copy of the indictment, discussed the charges with his attorney, and und erstood the charges agai nst him . Furthermore, although the plea agreement does not include a description of the nature of5 the charges or the elements of the offense, the Statement of Facts, referenced in the plea agreement, stipulated that the allegations in Count One of the ind ictment were true. During the Rule 11 hearing, the court asked, “Do you mean by placing your signature on the Statement of Facts not only that you have read it and understood it, but also, that to the best of your knowledge, the information contained in t he Statement of Facts is true and accurate; is that correct?” Bah answered, “Yes.” We conclude that, through the colloquy at the Rule 11 hearing, the district court ensured that Bah was informed of the nature of the charges prior to the plea hearing and, in doing so, satisfied the requirements of Rule 11(b)(1)(G). Cf. United States v. Wilson , 81 F.3d 1300, 1307

- 08 (4th Cir. 1996) (finding no error where district court failed to inform defendant of the elements of the offense, leaving decision to recite e lements of the offense to district court’s discretion). In any event, any omission did not affect Bah’s substantial rights. Bah argues that intent to defraud a bank is an element of the offense und er both § 1344(1) and (2). Had he understood the nature of the bank fraud offense or its elements, Bah continues , “he likely would not have entered a guilty plea and would have gone to trial instead, given the great difficulties the government faces in proving elements such as intent and knowled ge.”6 When Ba h filed his brief in May 2014, he did not have the benefit of the Supreme Court’s decision in Loughrin , where the Court specifically held that intent to defraud a bank is not an element of § 1344(2). His argument does not hold up after Loughrin , because the broadly worded indictment reflected an intent to prosecute under either § 1344(1) or § 1344(2). Even if Bah had been charged exclusively with violating § 1344(1), he had notice of the nature of the offense because Count One of the indictment, which he acknowledged under oath he discussed with counsel and understood, charged that Bah engaged in conduct with “intent to defraud.” He also stipulated in the Statement of Facts that , “with intent to defraud . . .[he] executed a scheme and artifice to defraud a financial institution.” Finally, w e note that, in exchange for his guilty plea on Count One, the charges on five other counts were dismissed and Bah received a two

- level reduction in his offense level for acceptance of responsibility, thereby reduci ng his Guidelines range. In light of the significant benefit Bah gained by pleading guilty to a single count in the six

- count indictment, we conclude that there is no t a reasonable probability that, if the court had more explicitly advised him about the nature of the charge, he would have not have pleaded guilty. Massenburg , 564 F.3d at 343.7 Accordingly, we affirm the judgment of the district court. We dispense with oral argument because the facts and legal contentions are adequately pr esented in the materials before th is court and argument would not aid in the decisional
process.
AFFIRMED