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Chart 42: How do you view SNV’s partnerships with online lenders (SoFi/GreenSky)?
document IMAGES-002-HOUSE_OVERSIGHT_014343.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…llet share of existing clients and given the option to bring back to the balance sheet loan participations. Regarding expenses, despite expectations for an uptick in the efficiency ratio over the next couple of quarters management expects to beat its 2016 efficiency guidance (low...

How Come This Book?
document TEXT-001-HOUSE_OVERSIGHT_010912.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…eat it as a goal. I love innovation, which has translated to growth, while worrying plenty about growth itself. What happens when anyone can make a doomsday weapon on his desktop? Depressed people do away with themselves every day. Some might take the rest of the world with them...

Chart 1: USDJPY vs yield spread Chart 2: USDJPY carry* gradually inching up
document IMAGES-002-HOUSE_OVERSIGHT_014425.txt Feb 10, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…n suggests the market looking for USD/JPY’s dip, light positioning, and the market’s judgment that USD should be more expensive than 100 JPY. The market is probably more vulnerable to the USD/JPY’s upside than downside. Chart 3: CFTC non-commercial futures position (bln USD) Cha...

Fwd: Why not in Vegas?
email TEXT-001-HOUSE_OVERSIGHT_031705.txt Jul 31, 2012 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Sent: 8/2/2012 5:57:19 PM To: Jeffrey Epstein [[email protected]] Subject: Fwd: Why not in Vegas? Importance: High Why Not in Vegas? By THOMAS L. FRIEDMAN Published: July 31, 2012 418 Comments • FACEBOOK • TWITTER • GOOGLE+ • E-MAIL • SHARE • PRINT • REPRINTS • I'll mak...

dependent on what happens with deposit costs. SNV’s current sensitivity analysis
document IMAGES-002-HOUSE_OVERSIGHT_014342.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

dependent on what happens with deposit costs. SNV’s current sensitivity analysis assumes a 50-60% deposit beta. = SNV keenly focused on credit. Chief Credit Officer Kevin Howard noted expectations for net charge-offs to naturally tick up as recoveries become less of a benefit an...

Unauthorized redistribution of this report is prohibited. This report is intended for amanda.ens@bam
document IMAGES-002-HOUSE_OVERSIGHT_014424.txt Mar 2, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

… about Japanese equities and see banks, insurance continue outperforming REITs near-term. Higher US rates (esp. if steepening) to boost USD/JPY USD/JPY performs best at the time of UST bear-steepening as better risk sentiment reduces the JPY’s safe haven demand and a wider yield...

ahead. Once the laughter died down, Jules talked for a good 25 minutes about
document IMAGES-008-HOUSE_OVERSIGHT_024627.txt Nov 17, 2012 House Oversight Committee — Epstein Estate Records (Nov 2025)

ahead. Once the laughter died down, Jules talked for a good 25 minutes about some of the ups and downs of his writing career and how hard it is to make a living as any kind of a writer, let alone a “rock journalist.” and the people who created it, seriously. Now everybody write...

Foreign exchange overview
document IMAGES-008-HOUSE_OVERSIGHT_025277.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Foreign exchange overview Foreign exchange - Key points ¢ The ECB's announcement of Outright Monetary Transactions (OMT) has reduced tail risk in the Eurozone considerably, while the Federal Reserve announcing a new round of potentially unlimited asset purchases at their Septem...

Sent: 11/12/2016 9:23:22 AM
email IMAGES-008-HOUSE_OVERSIGHT_026018.txt Nov 11, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: ee Sent: 11/12/2016 9:23:22 AM To: jeffrey E. [[email protected]] Subject: Re: Importance: — High Sorry in the conference room listening to the Portuguese prime minister .... Nthg revolutionary really . Was watching tv last night - either Trump is a misunderstood g...

demand. Our US economics team expects the stimulus to boost growth in H2 CY17 and
document IMAGES-002-HOUSE_OVERSIGHT_014418.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… a Trump administration For Japan, the impact of Trump’s election goes beyond economic issues. It also impacts defense spending and regional trade arrangements. Military self-reliance and budget choices Trump has made it clear that he wants allies of the US to shoulder a greate...

poetry and science
email IMAGES-008-HOUSE_OVERSIGHT_025511.txt Dec 2, 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

…lude hundreds archival images and live footage shot in Cape Cod, Nantucket, Vermont, New York, Connecticut, Jamaica, Aspen, California, Papua New Guinea including oceans, ponds, marshes, birds, fish mountains, coral reefs, forests as well in some major collections (HMNH etc) wi...

Table 10: Public institutions budget appropriations
document IMAGES-003-HOUSE_OVERSIGHT_016134.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…e to ongoing fiscal deficits. If this were to take place, this could occur through holdings of the PIF rather than the pension funds who are large institutional investors in the domestic equity market, in our view. We calculate that the PIF could sell stakes worth around SAR200b...

expectations. The divergence between inflation breakevens and real yields seem to
document IMAGES-003-HOUSE_OVERSIGHT_014723.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

expectations. The divergence between inflation breakevens and real yields seem to suggest that investors have become more concerned about upside risk to inflation but downside risk to growth. Interestingly, this shift in investor sentiment runs counter to incoming data which are...

GrubHub (Buy, $49 PO)
document IMAGES-003-HOUSE_OVERSIGHT_014910.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

GrubHub (Buy, $49 PO) Stock view: Marketing ramp should drive diner growth re-acceleration In recent quarters, GrubHub has been leveraging a series of recent investments, including expanded delivery, more restaurants on the platform, repositioned brand driving more effective ad...