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Investor Presentaiton

Operating Results "Core Earnings " Basis Selected Financial Information and Ratios (In millions, except per share amounts) Q4 20 Q4 19 GAAP diluted EPS 2020 2019 $0.99 $0.78 $2.12 $2.56 Adjusted Core Earnings EPS 1,2 $0.97 $0.67 $3.40 $2.64 Restructuring and regulatory-related expenses ($0.09) $0.02 ($0.16) ($0.04) Reported Core Earnings EPS 1 $0.88 $0.69 $3.24 $2.60 Average common stock equivalent 188 221 195 233 Ending total education loans, net $79,363 $86,820 $79,363 $86,820 Average total education loans $81,685 $88,266 $84,242 $90,783 1 Item is a non-GAAP financial measure. See pages 49-51 for a description and reconciliation. 2 Adjusted diluted Core Earnings per share excludes: $20 million and $(7) million of net restructuring and regulatory-related expenses in fourth quarter 2020 and the fourth quarter 2019, and $42 million and $12 million of net restructuring and regulatory-related expenses in the full years of 2020 and 2019, respectively. 2021 Navient Solutions, LLC. All rights reserved. III 44
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