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2016 Future of Financials Conference
document TEXT-001-HOUSE_OVERSIGHT_014315.txt Nov 17, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…d the importance of partnering with incumbent leaders and the need to maintain safety standards. US Banks Top Takeaways Associated Bancorp (ASB) B-3-7, Underperform • A strong Midwest market should lead to steady growth: ASB’s CEO Phillip Flynn and CFO Chris Niles highlighted the...

Explaining our taste for excessive harm
document TEXT-001-HOUSE_OVERSIGHT_012747.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…verride the anticipated costs of killing by fueling a taste for killing. Desire, denial, aggression and reward are each associated with specific psychological processes, distinct evolutionary histories, and specific adaptive problems. When processed by a promiscuous brain, these...

Equity Investment Rating Distribution: Financial Services Group (as of 30 Sep 2016)
document IMAGES-002-HOUSE_OVERSIGHT_014393.txt Sep 30, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

Equity Investment Rating Distribution: Financial Services Group (as of 30 Sep 2016) Coverage Universe Count Percent Inv. Banking Relationships* Count Percent Buy 113 46.89% Buy 89 18.76% Hold 66 27.39% Hold 55 83.33% Sell 62 29.13% Sell 40 64.52% Equity Investment Rating Distrib...

Top 10 US Ideas Quarterly
document TEXT-001-HOUSE_OVERSIGHT_014622.txt Jan 3, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

…ka Najarian UMB Financial Corporation UMBF UMBF US Ebrahim H. Poonawala Wells Fargo & Company WFC WFC US Erika Najarian Associated Banc-Corp ASB ASB US Ebrahim H. Poonawala Banc of California BANC BANC US Ebrahim H. Poonawala Comerica Incorporated CMA CMA US Erika Najarian Commer...

Times Square Tower
document TEXT-001-HOUSE_OVERSIGHT_024003.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…REE OF RISK AND IS SUITABLE ONLY FOR INVESTORS WHO ARE SOPHISTICATED WITH FINANCIAL MATTERS AND FAMILIAR WITH THE RISKS ASSOCIATED WITH INVESTMENTS SIMILAR TO THE ONES DESCRIBED HEREIN. NONE OF THE FUND, THE GENERAL PARTNER, THE MANAGEMENT COMPANY OR ANY OF THEIR AFFILIATES IS MA...

reciprocal control, characteristic of
document IMAGES-006-HOUSE_OVERSIGHT_021301.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…oth branches of the autonomic nervous system. In the 50-68-year-old adults in our sample, spirituality was found to be associated not only with a lower incidence of heart attack, but a higher level of Cardiac Autonomic Regulation. That is, people who felt closer in their relatio...

Breaking Down Democracy
document TEXT-001-HOUSE_OVERSIGHT_019233.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…mental goal of democratic governance, but authoritarian propaganda has presented term limits as artificial constraints, associated them with foreign origins, and claimed that they do not suit every country’s unique historical, cultural, or security conditions. While these ideas m...

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...

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

…iscount or premium to the net asset value and are not directly redeemable by the fund. You should understand the risks associated with leveraged or inverse ETFs, ETNs or commodities futures-linked ETFs before investing. These types of securities may experience greater price move...

there was significant activation in the nucleus accumbens. They felt an immediate honey hit, joy ove
document IMAGES-002-HOUSE_OVERSIGHT_012844.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…dies, specific areas activate when we process faces as opposed to other objects, and one tenth of a second later, other associated regions activate when we process race. This rapid activation occurs whether we are consciously engaged in classifying faces by race or not; for examp...

To: Brad Wechsler < >, Melanie Spinella < x
email TEXT-001-HOUSE_OVERSIGHT_023208.txt Oct 26, 2015 House Oversight Committee — Epstein Estate Records (Nov 2025)

…kly (according to them), will have an acct open the following week, 12/7-9. 5. We need to manage execution of paperwork associated with decanting which I assume occurs once apo- ol and bank acct are operative. (Ada I'm sure you'll be on top of this). >, Ada HOUSE OVERSIGHT 023212...

November 21, 2011
document TEXT-001-HOUSE_OVERSIGHT_030814.txt Nov 21, 2011 House Oversight Committee — Epstein Estate Records (Nov 2025)

… the second chart, EIA projections assume that rising U.S. shale gas production, with all its uncertainties in terms of associated costs, will offset declines in almost every other category. It is hard to precisely quantify the speed bump on growth that this creates for the world...

downturn in the local real estate markets affecting Franklin's construction loans and
document IMAGES-002-HOUSE_OVERSIGHT_014383.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…te of 3%. Risks to our price objective are an inability to offset regulatory fee income headwinds and integration risk associated with FMER. Other risks are an inability to return capital to shareholders in a timely fashion or overpaying for an acquisition target. IBERIABANK Co...

Fwd: Kuhn - The Science of Sleep and Dreams
email TEXT-001-HOUSE_OVERSIGHT_025190.txt Apr 8, 2017 House Oversight Committee — Epstein Estate Records (Nov 2025)

… two distinct kinds of sleep — REM (rapid-eye-movement) Sleep and NREM (non-rapid-eye- movement) Sleep. Most dreams are associated with REM sleep (though complex). The eye movement gives the eponymous name, but a more important designation defines the two stages in terms of brain...

The fact that we feel less empathy for people in pain if they fall outside our inner sanctum
document IMAGES-002-HOUSE_OVERSIGHT_012851.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…umanized them, stripping away dimensions of experience that humanize those within the sanctum. These are the dimensions associated with emotion, and when taken away, cause us to perceive the other as an object. Since objects can’t feel pain or joy, we can’t share in their experie...