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First Bancorp Puerto Rico (FBP)
document IMAGES-002-HOUSE_OVERSIGHT_014382.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ultiple to 2017E TBV and 17x multiple on 2017E EPS, representing premium target multiples for the median smid-cap banks under coverage. We have weighted the P/E and P/TBV factors equally. A superior profitability profile suggests an above peer multiple. Our DCF assumes a two- st...

“Independent Directors" of the Board of Directors of the General Partner shall be individuals who (a
document IMAGES-008-HOUSE_OVERSIGHT_024552.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ss “Initial Listing” means a listing on a recognized international securities exchange with a substantially concurrent underwritten offering generating gross proceeds of U.S. $200 million or more. “Initial Listing’ refers to the Initial Listing of KUE or any successor or any sub...

Sherwood: What’s your main concern?
document IMAGES-002-HOUSE_OVERSIGHT_013943.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…the change in routine. I’m doing more and feel relaxed for a change. Second, no one should be allowed to work remotely unless they can show increased productivity, and I’m the perfect experiment. If they can show it, however, why not let them do it on a trial basis? It lowers co...

Viding, E, Wood, N W, & Blakemore, S-J. (2010). Effects of age and MAOA genotype on the
document IMAGES-002-HOUSE_OVERSIGHT_012888.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…AOA genotype on the neural processing of social rejection. Genes Brain Behav, 9(6), 628-637; Tikkanen, R., Auvinen- Lintunen, L., Ducci, F., Sj6berg, R.L., Goldman, D., Tihonen, J., Virkkunen, M. (2010). Psychopathy, PCL-R, and MAOA genotype as predictors of violent reconvictions...

My favorite characters in the Bible and in literature are those who challenge authority: Adam and
document IMAGES-004-HOUSE_OVERSIGHT_017173.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…bsolutist and literalist when it came to the words of the First Amendment, and Felix Frankfurter, who advocated a more functional balancing approach despite the seemingly clear words of that Amendment. In a case involving censorship by a state, Black pulled out his ragged old cop...

Florida Bar that reference information that was developed during discovery in this case. In
document IMAGES-005-HOUSE_OVERSIGHT_019298.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…during practice of insisting on selective confidentiality to bolster her own accusations while concealing evidence that undermines her claims, the materials provided to the Post include cherry-picked and misleading characterizations of evidence that is sealed and/or designated co...

perspective. What particularly interests me about your point of view Steve, to talk
document IMAGES-010-HOUSE_OVERSIGHT_029069.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ado, and they have more of this elite mentality that they’re going to dictate to everybody how the world’s going to be run. I will tell you that the working men and women of Europe and Asia and the United States and Latin America don’t believe that. They believe they know what’s...

she would have been had she settled down with Barry, the orthodontist, 10 years earlier?
document IMAGES-005-HOUSE_OVERSIGHT_018623.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… Carrie ran into Aidan on the street, he was carrying his infant in a Baby Bjorn. Can anyone imagine Mr. Big walking around with a Bjorn?) I've never watched Friends or Sex and the City, but I know the feeling. Personally, I'm more of a novel girl. The other day, I found myself...

you are in a first-world country and can buy local insurance to augment your own, which I do, and it
document IMAGES-002-HOUSE_OVERSIGHT_013969.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

you are in a first-world country and can buy local insurance to augment your own, which I do, and it is useless if you are a 10-hour flight from civilization. I had evacuation insurance in Panama, as it’s a 2- hour flight from Miami, but I didn’t bother elsewhere. Don’t freak out...

Before the development of tourism, travel was conceived to be like study, and its fruits were
document IMAGES-002-HOUSE_OVERSIGHT_013955.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…the formation of the judgment. — PAUL FUSSELL, Abroad The simple willingness to improvise is more vital, in the long run, than research. —ROLF POTTS, Vagabonding U,. Sherwood’s return from Oktoberfest, dazed from killing neurons but the happiest he’s been in four years, the r...

Federal Register/Vol. 76, No. 168/Tuesday, August 30, 2011/Rules and Regulations
document IMAGES-006-HOUSE_OVERSIGHT_022288.txt Aug 30, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

…everal comments observe that the Board’s processes for holding representation elections and investigating and remedying unfair labor practices are invoked tens of thousands of time a year.®° That is true. However, the civilian work force includes some 108 million workers potentia...

Willamette University College of Law in 1986 and her B.S. in Finance-Law, magna cum laude, from
document IMAGES-008-HOUSE_OVERSIGHT_024587.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Willamette University College of Law in 1986 and her B.S. in Finance-Law, magna cum laude, from Portland State University in #983. Dan Frechtling, Senior Vice President, Marketing and Business Development Mr. Frechtling was named Senior Vice President, Marketing and Business De...

you could call up the ARMY to deal with the emergency, but you cannot do it on a permanent basis
document IMAGES-003-HOUSE_OVERSIGHT_015004.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… | see now that there was a seemingly relevant 1990 event as well. "On September 11, 1970 -- a date that only took on haunting overtones with the attacks on New York and Washington in 2001 -- Nixon became the first U.S. president to try to protect air travelers from extremists wh...

EBITDA, Adjusted EBITDA and Adjusted EBITDAR have limitations as analytical tools, and you should
document IMAGES-007-HOUSE_OVERSIGHT_024449.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ytical tools, and you should not consider them in isolation, or as a substitute for analysis of our results as reported under GAAP. Some of these limitations are: @ they do not reflect our cash expenditures for capital expenditures or contractual commitments; @ they do not refl...

The following summary historical pro forma and projected financial data should be read in conjunctio
document IMAGES-007-HOUSE_OVERSIGHT_024475.txt Jan 1, 2004 House Oversight Committee — Epstein Estate Records (Nov 2025)

…. SUMMARY FINANCIAL DATA The following summary historical pro forma and projected financial data should be read in conjunction with the financial statements and “Management's Discussion and Analysis of KLC’s Pro Forma Results of Operations” presented elsewhere in this Memorandum...