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impressed a pupil’s father who then recruited: him to a job on Wall
document IMAGES-006-HOUSE_OVERSIGHT_021093.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

impressed a pupil’s father who then recruited: him to a job on Wall Street. Epstein used his mathematical knowledge to develop complex formulae that could be applied to financial markets, especially in the area of currency exchange. He went on to form his own company and began ad...

Enrique V. Iglesias
document IMAGES-004-HOUSE_OVERSIGHT_017081.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ecutive Officer Special Correspondent and Associate Executive Producer President and Chief Executive Officer Member of the Management Board and Head of the Corporate and Investment Bank Dean Designate Head of Economic and Financial Department Chief Communications Officer Boa...

Chart 84: Now that we've defined “big data”, how far do you think financial institutions are at
document IMAGES-002-HOUSE_OVERSIGHT_014372.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Chart 84: Now that we've defined “big data”, how far do you think financial institutions are at embracing the use of big data today? 60% 50% 40% 30% 20% 10% 0% Fully committed to Fully committed to Fully committed to © Somewhat Not at all using big datato using bigdatato using...

On September 10, 2018, we announced a commitment by our chief executive officer, Ermest Garcia III,
document IMAGES-007-HOUSE_OVERSIGHT_024369.txt Sep 10, 2018 House Oversight Committee — Epstein Estate Records (Nov 2025)

…Garcia III, to contribute 165 shares of Class A common stock to us from his personal shareholdings for every one of our then-existing employees upon their satisfying certain employment tenure requirements. In connection with these contributions, we have made corresponding grants...

Jan Loeys Global Asset Allocation
document IMAGES-009-HOUSE_OVERSIGHT_026579.txt Nov 9, 2012 House Oversight Committee — Epstein Estate Records (Nov 2025)

Jan Loeys Global Asset Allocation (1-212) 834-5874 The J.P. Morgan View J.P. Morgan [email protected] 09 November 2012 contracts and stock options listed on the Stock Exchange of Hong Kong Limited. An updated list can be found on HKEx website: http:/(www-hkex.com.hk. Japan...

After Words
email TEXT-001-HOUSE_OVERSIGHT_029558.txt Oct 22, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Katherine Keating Sent: 10/31/2011 8:21:27 AM To: Katherine Keating Subject: After Words Dear Friends, I wanted to share with you the forward to my father's new book 'After Words'. He truly is an inspiration and so is his writing. The book, which is a compilation of his spe...

Re: Saudi money
email TEXT-001-HOUSE_OVERSIGHT_031511.txt Oct 19, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…Importance: High A new guy for your stable of smart guys. He taught at SAIS in DC where I went in 1989. I was just down there a few weeks ago and was on a panel with him. He is vicious on Bill C's NATO expansion -- biggest foreign policy error since WWII. Retiring. Let me know if...

Copyright © 2016 by James Patterson
document IMAGES-005-HOUSE_OVERSIGHT_019112.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Copyright © 2016 by James Patterson Excerpt from Cross the Line copyright © 2016 by James Patterson Hachette Book Group supports the right to free expression and the value of copyright. The purpose of copyright is to encourage writers and artists to . fs Interviewer: “It’s the...

Simple Pattern Recognition From Historical Debt Crisis
document IMAGES-006-HOUSE_OVERSIGHT_021053.txt Mar 1, 1995 House Oversight Committee — Epstein Estate Records (Nov 2025)

…h as New York all nearly brought down by unfunded entitlement spending. e Financial Crisis / Economic Downturn = Often the Short-Term Trigger of Debt Crisis — All cases had similar short-term triggers. e External Forces = Often Key Stakeholders in Crisis & Driving Ensuing Chan...

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

…n framework (P/TBV, P/E, DCF) to arrive at our $6.50 price objective. We assign a 1.0x multiple to our 2Q17E TBV, below the 1.6X for peers, due to the overhang of PR fiscal issues that may reduce TBV. Our revised implied 2Q17E TBV of 1.0x is consistent with a 5% ROE. We assign a...

Citigroup Inc. (C)
document IMAGES-002-HOUSE_OVERSIGHT_014380.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ur $60 PO, assigning a 0.9x multiple to 2017E TBV and 11x multiple on '17E blended NA and EM earnings. We have weighted the P/E and P/TBV factors equally at 40%, and our DCF analysis by 20%. Near term, we view C's current market multiple as overly discounted, but expect money ce...

Cullen/Frost Bankers Inc (CFR)
document IMAGES-002-HOUSE_OVERSIGHT_014381.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…it costs from lower energy prices. For our DCF analysis, we use a net income growth of 3.0% and assume a beta of 1.0 in the terminal stage. Upside risks to our PO: a sharp rebound in oil prices, higher than expected interest rates, stronger loan growth, better than expected cred...

Any and ali document retention and/or destruction policies
document IMAGES-002-HOUSE_OVERSIGHT_012607.txt Jan 1, 2003 House Oversight Committee — Epstein Estate Records (Nov 2025)

. 08/16/2007 17:07 FAX 5618021787 USAO WPB FL 2 (W006 Any and ali document retention and/or destruction policies. For the period of January 1, 2003 to the present, all documents and information _ referring or relating to the transfer of funds to or from any account owned by NES...

enjoining it from future violations of the books and records and internal
document IMAGES-007-HOUSE_OVERSIGHT_022611.txt Jan 31, 1992 House Oversight Committee — Epstein Estate Records (Nov 2025)

109 enjoining it from future violations of the books and records and internal controls provisions and paid a civil penalty of $1,500,000. Complaint, SEC v. Lucent, supra note 97. Additionally, the company entered into a non-prosecution agreement with DOJ and paid a $1,000,000 mo...