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“The way things are going | am not feeling very positive. |am a born optimist; we are spending billi
document IMAGES-010-HOUSE_OVERSIGHT_028638.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ays taught as children to give and share whatever we had. For me the big inflection points were as | was working at DSP Merrill Lynch and | rose through the ranks, | got success relatively early. | was running the firm before | was 35 but there was still a sense of unease that |...

Even there his record was more mixed than is popularly understood. As Sheelah Kolhatkar
document IMAGES-005-HOUSE_OVERSIGHT_019847.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…t bringing any significant criminal charges against individuals in the wake of the collapses of Lehman, investment bank Merrill Lynch, the insurer AIG, the mortgage securities and collateralized debt obligation businesses, or the myriad public misrepresentations from bank CEOs ab...

Match.com (Buy, $21 PO)
document IMAGES-003-HOUSE_OVERSIGHT_014912.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… is the reason our estimates are currently below the street. BankofAmerica <2” 26 Internet/e-Commerce | 06 April 2017 Merrill Lynch HOUSE_OVERSIGHT_014912

Targeting a stable oil price
document IMAGES-003-HOUSE_OVERSIGHT_016122.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ducts (likely middle distillates to the EU) and lower imports of refined products. 12 GEMs Paper #26 | 30 June 2016 3S Merrill Lynch HOUSE_OVERSIGHT_016122

Awards Equity derivatives
document IMAGES-003-HOUSE_OVERSIGHT_014720.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Bank of America Merrill Lynch Awards Equity derivatives house of the year This message, and any attachments, is for the intended recipient(s) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions availab...

[email protected]
document IMAGES-002-HOUSE_OVERSIGHT_014396.txt Nov 17, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…F&S +1 415 676 3575 [email protected] 82 2016 Future of Financials Conference | 17 November 2016 Bankof America 2 Merrill Lynch HOUSE_OVERSIGHT_014396

Facebook (Buy, $165 PO)
document IMAGES-003-HOUSE_OVERSIGHT_014907.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…l, particularly given the velocity of new feature launches and potential investments in video content. Bankof America Merrill Lynch Internet/e-Commerce | 06 April2017 = 21 HOUSE_OVERSIGHT_014907

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

… improvement in the efficiency ratio, 2} BankofAmerica <2” 68 2016 Future of Financials Conference | 17 November 2016 Merrill Lynch HOUSE_OVERSIGHT_014382

KUE Advisory Board
document IMAGES-008-HOUSE_OVERSIGHT_024585.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…ctronic business market leader. Earlier, Mr. Gai was the Chief Technology Officer for Enterprise Technology services at Merrill Lynch & Company, where he helped build the electronic trading system. From 1996 to 1999, he was Executive Vice President and CIO of North America Applic...

Analyst Certification
document IMAGES-003-HOUSE_OVERSIGHT_014495.txt Dec 1, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…mmendations or view expressed in this research report. ; Bankof America 36 European Equity Strategy | 01 December 2016 Merrill Lynch HOUSE_OVERSIGHT_014495

US - Aerospace and Defense Coverage Cluster
document IMAGES-003-HOUSE_OVERSIGHT_014640.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

US - Aerospace and Defense Coverage Cluster BofA Merrill Lynch Investment rating Company ticker Bloomberg symbol Analyst BUY AerCap Holdings NV. AER AER US Kristine T. Liwag Air Lease Corporation AL ALUS Kristine T. Liwag Bombardier Inc. YBBD B BBD/B CN Ronald J. Epstein Booz A...

No interest tax shield
document IMAGES-007-HOUSE_OVERSIGHT_023085.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…everage, there would likely be a pass through to customers in determining their allowed rate increase. Bankof America Merrill Lynch Equity Strategy Focus Point | 29 January 2017. 17 HOUSE_OVERSIGHT_023085

Refiners: What’s going on with Refining in 2017: potential benefits in a Trump
document IMAGES-007-HOUSE_OVERSIGHT_023091.txt Jan 5, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

…tilities: 2017 Year Ahead: Washington DC will likely cast a long shadow on utilities 06 January 2017 Bankof America <> Merrill Lynch Equity Strategy Focus Point | 29 January 2017.23 HOUSE_OVERSIGHT_023091