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With regard to growth in the energy book management expects balances to stay
document IMAGES-002-HOUSE_OVERSIGHT_014344.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

With regard to growth in the energy book management expects balances to stay relatively flattish as new growth is offset by pay downs and deleveraging. Chart 44: Where do you see TCBI’s provisioning in 2017 relative to 2016? 50% AT% 45% 40% 35% 30% 29% 20% 15% 10% 5% 0% 16%...

We use an equal weighted, three-factor valuation framework (P/E, P/TBV, DCF) to arrive
document IMAGES-002-HOUSE_OVERSIGHT_014387.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

We use an equal weighted, three-factor valuation framework (P/E, P/TBV, DCF) to arrive at our PO of $14. We assigned a 1.2x multiple to 2Q17E TBV and a 12x multiple on 2017E EPS, with lower PTBV/PE multiple than peers assigned due to the higher perceived risk of their lending mod...

sensation alive to the pull of constant, instant connection. This Seventh Sense reacts
document IMAGES-004-HOUSE_OVERSIGHT_018245.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

sensation alive to the pull of constant, instant connection. This Seventh Sense reacts to what none of our other senses can notice, to the subtle undercurrents of a networked age. That moment of first connection you once had - to a computer, a friend, a fast-moving financial prod...

ASIC Mining Computer and a Mining Rig
document IMAGES-008-HOUSE_OVERSIGHT_025671.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Investment . . Managemen What is Mining? a Division ASIC Mining Computer and a Mining Rig y f y = Miners use highly specialized computers designed to run an algorithm that attempts to solve a cryptographic puzzle in order to add a new block on the blockchain. By design, a b...

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

No interest tax shield Another key offset to the lower corporate tax rate is the proposed ending of the deduction of net interest expense. We assume that this rule would apply to new debt and that existing debt would be grandfathered. This tax shield removal would increase the c...

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)

Energy: Refiners: What’s going on with Refining in 2017: potential benefits in a Trump administration 05 January 2017 Industrials / Materials: Industrials/Multi-Industry: DEM#217: The Year Ahead; Resetting for higher US growth and inflation 09 January 2017 Engineering & Constr...

Nonetheless, historical comments about what the classical thermodynamic term
document IMAGES-002-HOUSE_OVERSIGHT_013570.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Nonetheless, historical comments about what the classical thermodynamic term, entropy, is and is not about are in order. We recall that Richard Feynmann, in his well-known 1962 class notes, Lectures on Physics, said that the subject of thermodynamics is the study of relationshi...

interest tax shield later in this report). Deleveraging balance sheets may also be spurred
document IMAGES-007-HOUSE_OVERSIGHT_023078.txt Jan 17, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

interest tax shield later in this report). Deleveraging balance sheets may also be spurred by a continued environmwnt of rising interest. Leverage for S&P non-Financials has steadily been ticking up over the last few years, and, if we exclude the cash-rich Technology sector, lev...

more receptive to sexual energy. It's not that BDSM is exactly a sexual turn-on in itself
document IMAGES-005-HOUSE_OVERSIGHT_018541.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

more receptive to sexual energy. It's not that BDSM is exactly a sexual turn-on in itself; sometimes it is, but that's actually surprisingly rare. Yet BDSM often... gets my blood flowing?... and seems to "open the floodgates,” so sexual hormones can storm through my body. And ju...

Preference: neutral
document IMAGES-008-HOUSE_OVERSIGHT_025262.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Eurozone equities Preference: neutral Euro Stoxx (24 Oct): 247 (last publication: 247) UBS View Euro Stoxx (6-month target): 249 ¢ We keep our neutral stance on Eurozone equities. While the sovereign debt crisis remains a risk factor (see slide 8), the conditional bond buying...