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COLLABORATIVE INSIGHTS February 25, 2019
document IMAGES-008-HOUSE_OVERSIGHT_024850.txt Feb 25, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

COWEN COLLABORATIVE INSIGHTS February 25, 2019 - Figure 44 CV Sciences Gummies Are Priced At A Premium Figure 45 Green Roads’ 300 MG Gummies Retail For $55 PLUS + i ba 67 wee 7 GREEN ROADS’ Rilspectum temp pares” HEMP GUMIMIES : RELAX BEARS © CBD DAILY DOSE GUMMIE = 30 GUMMI...

{mobile apps, premium nanny, date night payment services etc.) may not see much
document IMAGES-003-HOUSE_OVERSIGHT_014940.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

{mobile apps, premium nanny, date night payment services etc.) may not see much traction, 4) lower conversion rates on mobile, 5) mobile conversions with 30% fee to Apple and Google Play marketplaces could negatively impact margins, and 6) international expansion may not be succe...

e Mary’s Whole Pet. Whole plant CBD remedies for pets, sold in retailers and
document IMAGES-008-HOUSE_OVERSIGHT_024878.txt Feb 25, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

COWEN COLLABORATIVE INSIGHTS 62 February 25, 2019 e Mary’s Whole Pet. Whole plant CBD remedies for pets, sold in retailers and online in the U.S. and international markets. Mary’s is a high-end brand, focused on clean delivery methods through its transdermal patches, topical...

Re: Floor Statement of Senator Barack Obama on the Nomination of Alberto Gonzales for Attorney Gener
email TEXT-001-HOUSE_OVERSIGHT_030113.txt Sep 20, 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Kathy Ruemmler Sent: 9/20/2014 11:13:01 PM To: jeffrey E. [[email protected]] Subject: Re: Floor Statement of Senator Barack Obama on the Nomination of Alberto Gonzales for Attorney General - Wikisource, the free online library Importance: High Furnished On Sep 20, 2014...

right camps. So far, Macron has fostered a good rapport with
document IMAGES-001-HOUSE_OVERSIGHT_012083.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

CHART 2: INDIA POPULATION DISTRIBUTION 2015 100+ 95-99 90-94 ll 85-89 a 80-84 Oe 75-79 a | 70-74 —e| i, 65-69 CO TEE 60-64 | y 259 ee ee 2950-54 | 45-49 es ee 40-44 —————— ee 35-39 —E 30-34 (NNN EE>E=—E———E=—=—™_—=—E=—~_—>—=—E>—FTFcEo—E=co 25-29 ea 20-24 SS ee 15-19 (NNSA EE—>—...

On August 6, 2018, in connection with a refinancing transaction, we purchased finance receivables we
document IMAGES-007-HOUSE_OVERSIGHT_024356.txt Aug 6, 2018 House Oversight Committee — Epstein Estate Records (Nov 2025)

Table of Contents REFINANCING TRANSFER AGREEMENTS On August 6, 2018, in connection with a refinancing transaction, we purchased finance receivables we had previously sold under the 2017 Master Transfer Agreement and simultaneously entered into a transfer agreement with a purcha...

Marina Market Analysis 30
document IMAGES-005-HOUSE_OVERSIGHT_018841.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Marina Market Analysis 30 marina sales have indicated that now is a good time to invest in a marina, despite the previous recession and limited financing. Competitive Marinas The most significant supply and demand indicators for the subject are rental and occupancy rates exper...

Already some baby boomers are able to remotely lock their parents’ doors, track calls coming into
document IMAGES-011-HOUSE_OVERSIGHT_032082.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Already some baby boomers are able to remotely lock their parents’ doors, track calls coming into their homes and even see who is ringing the doorbell, in many cases right from their smart phones. Systems such as QuietCare, WellAWARE, FineThanx and SimplyHome are already fixtures...

The Art of Undecision: Fewer Options = More Revenue
document IMAGES-002-HOUSE_OVERSIGHT_013928.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

The Art of Undecision: Fewer Options = More Revenue Companies go out of business when they make the wrong decisions or, just as important, make too many decisions. The latter creates complexity. — MIKE MAPLES, cofounder of Motive Communications (IPO to $260 million market cap),...

In connection with the Spinoff, we entered into a lease agreement dated November 1, 2014, with Drive
document IMAGES-007-HOUSE_OVERSIGHT_024352.txt Nov 1, 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

Table of Contents LEASE AGREEMENT In connection with the Spinoff, we entered into a lease agreement dated November 1, 2014, with DriveTime that governs our access to and utilization of space at DriveTime inspection and reconditioning centers (“IRCs”) for vehicle inspection and...

The below figure reflects the notable competition seen within vape as more companies
document IMAGES-008-HOUSE_OVERSIGHT_024868.txt Feb 25, 2019 House Oversight Committee — Epstein Estate Records (Nov 2025)

COWEN COLLABORATIVE INSIGHTS February 25, 2019 The below figure reflects the notable competition seen within vape as more companies continue to enter the space. In addition to CBD only-focused companies, we are starting to see crossover from adult-use / medical focused companie...

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...

indicators of future results
document IMAGES-007-HOUSE_OVERSIGHT_024178.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Disclaimer This document has been prepared by UBS AG, its subsidiary or affiliate ("UBS"). The information is intended as a general market commentary and provided solely for marketing and information purposes. Opinions expressed herein are those of UBS Wealth Management & Swiss...