CLARK, Circuit Judge:
I. INTRODUCTION
On April 20, 1988, a federal grand jury returned a one-count indictment charging appellant Villarino with engaging in credit card fraud, in violation of 18 U.S.C. §§ 1029(a)(2) and 1029(b)(1). On August 31, 1988, pursuant to a plea agreement, appellant pled guilty, and following consideration of the Presentence Investigation Report (PSI) and appellant's written objections, was sentenced by the district court...
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