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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)

Unauthorized redistribution of this report is prohibited. This report is intended for [email protected] Japan Macro Watch USD/JPY: Buy-on-dip cycle to continue; 115- 120 by end-2017 Buy-on-dip cycle continues While we had acknowledged the risk of the “final JPY strength” th...

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)

…us example of rock journalism, but | think his most revolutionary is his article “The Big Beat.” It appeared in the Playboy-esque Cavalier magazine in 1965 and is one of the earliest writings I’ve ever seen on the development of rock and roll, from slaves singing in chains on the...

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)

demand. Our US economics team expects the stimulus to boost growth in H2 CY17 and likely CY18. Japan should be a big winner from stronger US growth, given its high exposure to the US economy in terms of exports and corporate profits (Chart 22 and Chart 23). On the negative side,...

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

From: Lisa New is Sent: 12/2/2014 6:29:16 PM To: Jeffrey Epstein [[email protected]] Subject: poetry and science Importance: — High Dear Jeffrey, Apropos of our conversation of a few minutes ago, This proposal went to someone I thought was interested in the environment an...

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

Table 10: Public institutions budget appropriations SARbn US$bn % of GDP Universities 55.7 14.8 23 Saudi Arabian Airlines 28.5 76 1.2 Saline Water Conversion Corporation 15.6 4.2 0.6 General Authority of Civil Aviation (GACA) 15.5 44 0.6 Saudi Post Organization 3.2 0.8 0.1 Grai...

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...

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...

From: Gmax [[email protected]]
email IMAGES-011-HOUSE_OVERSIGHT_031332.txt Jun 2, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Gmax [[email protected]] Sent: 6/2/2011 2:20:56 PM To: [email protected] Importance: — High Dear President Obama: Iam writing today with a somewhat unusual request. First and foremost, I am asking that you return America to its August 20th, 1959 borders so that Hawaii...

Fwd: FW: As Obama says "We've got problems"
email IMAGES-011-HOUSE_OVERSIGHT_030992.txt Apr 12, 2009 House Oversight Committee — Epstein Estate Records (Nov 2025)

From: Jeffrey Epstein [[email protected]] Sent: 4/14/2009 7:02:11 PM To: Subject: Fwd: FW: As Obama says "We've got problems" ---------- Forwarded message ---------- From: gmax <[email protected]> Date: Sun, Apr 12, 2009 at 6:15 PM Subject: FW: As Obama says "We've got pr...

° Both Arizona State and the Australian National University told her they would look into the matter
document IMAGES-011-HOUSE_OVERSIGHT_031440.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

° Both Arizona State and the Australian National University told her they would look into the matter. But neither university found against you. ° “Based on the material available to the University, we do not have sufficient evidence to substantiate the allegations,” Kiaran Kirk,...