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McCarthy said he was in his car at a red light when McBean crossed the street in front of him, at a distance of six to eight feet, with the rifle.
"He had a white plastic bag around the center of it, but the barrel was sticking out one end and the stock was sticking out the other end," he said. "It was obvious it was a rifle. To be honest with you, the gun was painted camo but I wasn't sure if it was a fake gun or a BB gun.
"He changed his position two, three times, mainly just walking down the street with it. First thing I thought was this guy is going to kill someone."
McCarthy called 911 and the tapes show he told the dispatcher, with urgency and alarm in his voice, that it looked like a .22 caliber rifle or a pellet gun. "I will say this: He's not like acting crazy or aggressive with it, he's not shaking it or nothing," he told them. "I'm not going to say he's waving it, he's just walking along with it."
Two other people also called 911. One of them, a woman, said: "He's carrying what looks like some sort of BB gun, shotgun, I don't know what it is [but] it's camouflaged, and he's screaming really loud to himself. It could be a fake gun, but it looks like it could be real, too."
While McCarthy was on the phone, he saw McBean turn into an apartment complex. He said "cops came flying by" and he followed the last car onto the grounds.
Looking out his passenger window, he said, he could see officers corralling residents away from a pool off to the right and three officers moving in on McBean. Then he heard three shots.
"Bam. Bam. Bam," he said.
"He [McBean] dropped to the ground, the rifle bounced off the ground and I was sitting in my truck going, 'What the hell is this!'" he added.
"They all converged over the top of him and it looked like he was having a convulsion. You could tell he was in serious pain."
Police interviewed a number of other witnesses, including several people who were in or near the pool and variously described McBean as acting "crazy," "weird" or "high," according to a sheriff's report. They recalled police shouting at him, but the report does not say they saw him point the gun at officers.
McCarthy told police the "rifle was still on the subject's shoulders" when the gunshots rang out, a different sheriff's report confirms.
The disabled fisherman told NBC News he was traumatized by the incident and had trouble sleeping for a month afterward.
"His birthday would have been the end of next month and I have his picture and the death [funeral] card above the computer at my house. I think about this guy constantly," he said.
He said he has since met McBean's family.
"They don't blame me," he said. "I kind of blame myself, because if I hadn't called it might not have happened. I would still make the call but I regretted it because I had no idea they were going to zip into this place and shoot him dead."
McBean's older brother, Alfred McBean, an IT architect who lives in Pompano Beach, said he was a gentle soul who loved his work, liked going to amusement parks with his nieces and nephews, enjoyed deep-sea fishing and doted on his mother.
He said he is certain of two things: that his brother did not hear police because he was listening to loud music on the earbuds he always wore and that he would not have defied police if he did hear them.
"They could have just tackled him, or just tased him. Why shoot him three times?" Alfred Mc Bean said. "Criminal charges need to be filed."
His mother agreed.
"He's very missed, he was very loved and he was a loving and caring person himself," she said. "I can't wait to get justice for him."

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