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to the credibility of online reviews, 4) Instant Book transition puts pressure on revenue
document IMAGES-003-HOUSE_OVERSIGHT_014944.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

to the credibility of online reviews, 4) Instant Book transition puts pressure on revenue growth, and 5) mobile monetization headwinds. Upside risks to our price objective are: 1} improved mobile monetization 2} major OTA sign on for instant booking 3) high non-hotel shopper dol...

UMB Financial Corp, Wells Fargo, Zions
document IMAGES-002-HOUSE_OVERSIGHT_014394.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

UMB Financial Corp, Wells Fargo, Zions. BofA Merrill Lynch Research Personnel (including the analyst(s) responsible for this report) receive compensation based upon, among other factors, the overall profitability of Bank of America Corporation, including profits derived from inv...

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

Cullen/Frost Bankers Inc (CFR) To arrive at our $74 price objective, we employed a three-factor valuation methodology that incorporates target P/E, target P/TBV and a DCF model. For our P/E valuation, we apply a 15x earnings multiple on CFR's 2017E core earnings. For our P/TBV v...

I hope this letter finds you well — please see the below updates on the Park Mansion
document TEXT-001-HOUSE_OVERSIGHT_022417.txt Nov 23, 2015 House Oversight Committee — Epstein Estate Records (Nov 2025)

…20 82ND STREET FOR INQUIRES PLEASE CONTACT GREG WILLIAMSON AND JAMIE MITCHELL T. 5' WWW.PARKMANSION.NYC III III 50' 1 0 DouglasMimr—i. DEVELOPMENT MARKETING WILLIAMSON TEAM Ai DX16,5 ELLIMAN PEAL ESTATE 5' FRONT PANEL Introducing The Park Mansion, a striking prewar condominium co...

Edited by Yelena Maltser • [email protected]
document TEXT-001-HOUSE_OVERSIGHT_019856.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…he Sadis & Goldberg LLP website at sglawyers.com MARCH 2017 3 A CAUTIONARY TALE IN THE USE OF NON-COMPETE AGREEMENTS BY DOUGLAS R. HIRSCH AND JENNIFER ROSSAN Employers should give careful consideration to the inclusion of non-competition provisions in employment agreements for lo...

The State...may not proceed by racial classification to force strict population
document IMAGES-004-HOUSE_OVERSIGHT_017380.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…Poles, Jewish lawyers for Jews, Irish lawyers for Irish. It should be to produce good lawyers for Americans... Justice Douglas’ dissenting views quickly became the standard approach of old fashioned liberals committed to Martin Luther King’s dream of a color blind America where...

Goe08. Ben Goertzel. A pragmatic path toward endowing virtually-embodied ais with human-level lin
document IMAGES-002-HOUSE_OVERSIGHT_013262.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… intelli- gence. Neuron vol. 76 issue 6, 2012. Hib02. Bill Hibbard. Superintelligent Machines. Springer, 2002. Hof79. Douglas Hofstadter. Godel, Escher, Bach: An Eternal Golden Braid. Basic, 1979. Hof95. Douglas Hofstadter. Fluid Concepts and Creative Analogies. Basic Books, 1...

User Name: DAVID SCHOEN
document TEXT-001-HOUSE_OVERSIGHT_016509.txt Feb 28, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

…quoting a senator's aim to use "the power of the purse" to "push back on the regulatory overreach" of the IRS and EPA); Douglas A. Berman, Mixed Outcomes for Marijuana Reform Efforts in Latest Omnibus Spending Bill from Congress, Sent'g L. & Pol'y Blog (Dec. 16, 2015),http://sent...

2007 Utah L. Rev. 861, *865
document IMAGES-004-HOUSE_OVERSIGHT_017638.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…. ® Payne v. Tennessee, 501 U.S. 808, 834 (1991) (Scalia, J., concurring) (internal quotations omitted). See generally Douglas E. Beloof, Paul G. Cassell & Steven J. Twist, Victims in Criminal Procedure 638-39 (2d ed. 2005) (discussing the need for victims’ participation in the...

Price objective basis & risk
document IMAGES-003-HOUSE_OVERSIGHT_014882.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Price objective basis & risk Hess Corp. (HES) Our price objective of $80 / share is based on a 5-year outlook which assumes a 5.5x DACF multiple and a commodity deck of $67.50 WTI and $70 Brent to which we add $10/ sh for Liza in offshore Guyana. The multiple is based on a fini...

Important Information Division
document IMAGES-008-HOUSE_OVERSIGHT_025695.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Investment Management Important Information Division You may obtain documents for ETFs or ETNs for free by 1) visiting EDGAR on the SEC website at http://(www.sec.gov/; 2) contacting your Private Wealth Management team; or 3) calling toll-free at 1-866-471-2526. Unlike traditio...

Figure 4 - CBD Plasticulture Model - University of Kentucky
document IMAGES-008-HOUSE_OVERSIGHT_024830.txt Feb 25, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

COWEN COLLABORATIVE INSIGHTS February 25, 2019 - Figure 4 - CBD Plasticulture Model - University of Kentucky CBD% Price per % Dry Matter Yield Gross Returns Per Acre Transplants (clone} Fertilizer -Nitrogen (urea) -Phosphorus (P205} -Potassium (P20) Planting/Setting Blac...

The J.P. Morgan View: Local forces are dominating
email TEXT-001-HOUSE_OVERSIGHT_030844.txt Mar 29, 2013 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: [email protected] To: Undisclosed recipients:; Subject: The J.P. Morgan View: Local forces are dominating Sent: 3/29/2013 8:48:11 PM Attachments: JPM_The J.P. Morgan View_2013-03-28_1084792.pdf Global Asset Allocation ________________________________ The J.P. Morgan V...

UBS View Prefer value and large caps in Europe, mid caps in US
document IMAGES-007-HOUSE_OVERSIGHT_024156.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Equity styles UBS View Prefer value and large caps in Europe, mid caps in US ¢ We recommend that investors look for value opportunities in Europe: The cheapest stocks within each sector are at extreme relative valuations, which should begin to normalize. Within Financials, howev...