Investor Presentaiton

GAAP Results (In millions, except per share amounts) Q4 20 Q4 19 2020 2019 Net income (loss) $186 $171 $412 $597 Diluted earnings (loss) per common $0.99 $0.78 $2.12 $2.56 share Operating expenses $269 $235 $964 $984 Provision for loan losses $2 $50 $155 $258 Average Education Loans $81,685 $88,266 $84,242 $90,783 © 2021 Navient Solutions, LLC. All rights reserved. ||| 48

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