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**Document Extract** **Header** The Bank of America Merrill Lynch logo is displayed in the bottom-right corner. **Footer** The footer contains the following information: • **Page Number**: 30 • **Date**: 17 November 2016 • **Conference Name**: 2016 Future of Financials Conference • **Source**: BofA Merrill Lynch Global Research **Main Content** The document presents a bar chart with the title "Chart 44: Where do you see TCBI's provisioning in 2017 relative to 2016?" and features a subtitle "With regard to growth in the energy book management expects balances to stay relatively flatish as new growth is offset by pay downs and deleveraging." The chart displays three bars representing different scenarios: • **Lower, given the stabilization in oil prices which should lead to reserve reversals** (47%) • **Flat-to-higher, given credit normalization in the rest of the book** (37%) • **Uncertain, as volatility in oil prices could lead to an elevated level of provisioning** (16%) Below the chart, there are five bullet points discussing mortgage growth, asset sensitivity, and CRE lending. The final section is titled "US Bancorp (USB), B-2-7, Neutral" and includes a brief description of the company's outlook. **Additional Text** At the bottom of the page, the text "HOUSE_OVERSIGHT_014344" is displayed.