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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

US - Internet Coverage Cluster
document IMAGES-003-HOUSE_OVERSIGHT_014642.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

US - Internet Coverage Cluster BofA Merrill Lynch Investment rating Company ticker Bloomberg symbol Analyst BUY Alphabet GOOGL GOOGL US Justin Post Alphabet GOOG GOOG US Justin Post Amazon.com AMZN AMZN US Justin Post Bankrate RATE RATE US Nat Schindler eBay EBAY EBAY US Justin...

Price objective basis & risk
document IMAGES-003-HOUSE_OVERSIGHT_014939.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…year to grow given high churn, 2) competition from SitterCity and Homestead, and 3) new care offerings Bankof America Merrill Lynch Internet/e-Commerce | 06 April2017 53 HOUSE_OVERSIGHT_014939

Expedia (Buy, $146 PO)
document IMAGES-003-HOUSE_OVERSIGHT_014905.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…decelerated 30bps to 3.0% y/y, and European RevPAR through February accelerated 600bps q/q to 3.6% y/y Bankof America Merrill Lynch Internet/e-Commerce | 06 April2017 19 HOUSE_OVERSIGHT_014905

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

…tential takeout above our price objective. 66 2016 Future of Financials Conference | 17 November 2016 Bankof America 2 Merrill Lynch HOUSE_OVERSIGHT_014380

this report or its contents
document IMAGES-002-HOUSE_OVERSIGHT_014431.txt Nov 14, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

this report or its contents. Bankof America 8 Japan Macro Watch | 14 November 2016 Merrill Lynch HOUSE_OVERSIGHT_014431