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To: Melanie Spincll iii i Zi
email IMAGES-007-HOUSE_OVERSIGHT_023355.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

miami ), commitments dividends, BRH TRA, shareholder agreements, bank loan agreements. wills, construction, , contracts planning permits etc..employ rules. checking account reconciliations, crediti cards. jewelry , cost basis ,( art stock etc.) foundations regs , brokerage accts...

Or, it’s a guilty pleasure. People who know Jeffrey exchange “Jeffrey”
document IMAGES-007-HOUSE_OVERSIGHT_022851.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…n there are those people who live in the reality and therefore know that the media version is mostly bunk. If the media trumpets it, it is likely that some version of the opposite is true. I might guess too that for many of his visitors there’s an order of identification: there b...

RE: Daily Beast
email IMAGES-006-HOUSE_OVERSIGHT_021090.txt Apr 3, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

Date: Sunday, April 3 2011 03:49 PM Subject: RE: Daily Beast From: Peter Green <> Attachments: image001.jpg; image002.jpg You are mentioned ! Jeffrey Epstein's Society Friends Close Ranks by Alexandra Wolfe Alexandra Wolfe is a former contributing editor to Conde Nast Portf...

Important Information — Investment Risks Division
document IMAGES-009-HOUSE_OVERSIGHT_026962.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Investment oldman Management Stel Important Information — Investment Risks Division Risks vary by the type of investment. For example, investments that involve futures, equity swaps, and other derivatives, as well as non-investment grade securities, give rise to substantial ris...

Simple Pattern Recognition From Historical Debt Crisis
document IMAGES-006-HOUSE_OVERSIGHT_021053.txt Mar 1, 1995 House Oversight Committee — Epstein Estate Records (Nov 2025)

Simple Pattern Recognition From Historical Debt Crisis Reveal Common Drivers (Leverage & Entitlements) + Triggers Yearof Debt Restructured Long-Term Short-Term Key Crisis Amount % of GDP Drivers Triggers Stakeholders Rising Underfunded ; ; . International Bond Greece 2010 $374B...

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%...

Troubled Asset Relief Program (TARP)
document IMAGES-006-HOUSE_OVERSIGHT_020936.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Troubled Asset Relief Program (TARP): Recipient of 38% of Net Government (Taxpayer) Funding” In TARP, the financial rescue program (created in October, 2008), USA Inc. purchased assets and equity from financial institutions to provide the capital and liquidity needed during the...

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...

Fwd: Do you know this Guy? You should
email TEXT-001-HOUSE_OVERSIGHT_028487.txt Mar 28, 2015 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Sent: 3/29/2015 2:22:23 PM To: [email protected] Subject: Fwd: Do you know this Guy? You should Attachments: MailAttachment.jpeg; MailAttachment.jpeg; MailAttachment.jpeg; MailAttachment.jpeg From: To: Sent: 3/28/2015 5:59:43 P.M. Eastern Daylight Time Subj: Fwd: Do you...

Several years after the argument, Griswold expressed a rather different view
document IMAGES-004-HOUSE_OVERSIGHT_017210.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

4.2.12 WC: 191694 Several years after the argument, Griswold expressed a rather different view: “T have never seen any trace of a threat to national security from the publication. Indeed, I have never seen it even suggested that there was such an actual threat. [He, of course,...

Palm Beach Daily News: Archives 4/7/11 1:32 PM
document IMAGES-002-HOUSE_OVERSIGHT_013413.txt Apr 29, 2010 House Oversight Committee — Epstein Estate Records (Nov 2025)

Palm Beach Daily News: Archives 4/7/11 1:32 PM Start or PalmBeachDailyNews.com I Rone vou Thine Subscription THE SHINY SHEET . pt | powered by PRHOO! Search for Palm Beach Daily News " | Follow @ShinySheet on Twitter! NEWS : Classifieds Real Estate Religion | Archives Adve...

¢ Another topic which AB elaborated on was fees/pricing particularly in the US retail
document IMAGES-002-HOUSE_OVERSIGHT_014355.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

¢ Another topic which AB elaborated on was fees/pricing particularly in the US retail market. Peter Kraus commented that there is a very strong philosophical argument for the regulators to approve new fee structures which would allow investors to pay alow beta fee and a higher pe...

Section 1 Base slides 2
document IMAGES-008-HOUSE_OVERSIGHT_025248.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Table of Contents Section 1 Base slides 2 Section 2 Asset class views 11 2.A Equities 12 2.B Fixed income 22 2.C Foreign exchange 29 2.D NTAC: Commodities, Listed real estate, Hedge funds and Private equity 33 3 UBS , HOUSE_OVERSIGHT_025248

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

First Bancorp Puerto Rico (FBP) We use a three-factor valuation framework (P/TBV, P/E, DCF) to arrive at our $6.50 price objective. We assign a 1.0x multiple to our 2Q17E TBV, below the 1.6X for peers, due to the overhang of PR fiscal issues that may reduce TBV. Our revised impl...