<SEC-DOCUMENT>0001193125-20-113535.txt : 20200421
<SEC-HEADER>0001193125-20-113535.hdr.sgml : 20200421
<ACCEPTANCE-DATETIME>20200421161453
ACCESSION NUMBER:		0001193125-20-113535
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		20
CONFORMED PERIOD OF REPORT:	20200421
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200421
DATE AS OF CHANGE:		20200421

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NAVIENT CORP
		CENTRAL INDEX KEY:			0001593538
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		IRS NUMBER:				464054283
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36228
		FILM NUMBER:		20805295

	BUSINESS ADDRESS:	
		STREET 1:		123 JUSTISON STREET
		STREET 2:		SUITE 300
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19801
		BUSINESS PHONE:		302-283-8000

	MAIL ADDRESS:	
		STREET 1:		123 JUSTISON STREET
		STREET 2:		SUITE 300
		CITY:			WILMINGTON
		STATE:			DE
		ZIP:			19801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	New Corp
		DATE OF NAME CHANGE:	20131205
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d912276d8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:navi="http://www.navient.com/20200421" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2020-04-21_to_2020-04-21">NAVIENT CORP</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2020-04-21_to_2020-04-21">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2020-04-21_to_2020-04-21">0001593538</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="navi-20200421.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2020-04-21_to_2020-04-21"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001593538</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-04-21</xbrli:startDate> <xbrli:endDate>2020-04-21</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001593538</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">navi:CommonStockParValuePointZeroOnePerShareMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-04-21</xbrli:startDate> <xbrli:endDate>2020-04-21</xbrli:endDate> </xbrli:period> </xbrli:context> <xbrli:context id="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001593538</xbrli:identifier> <xbrli:segment> <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeniorNotesMember</xbrldi:explicitMember> </xbrli:segment> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-04-21</xbrli:startDate> <xbrli:endDate>2020-04-21</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="font-size:10pt;width:8.5in;margin:0 auto"> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <p style="margin-bottom:0px;margin-top:4pt"></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">UNITED STATES</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">SECURITIES AND EXCHANGE COMMISSION</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">WASHINGTON, D.C. 20549</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0px;margin-top:12pt">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="duration_2020-04-21_to_2020-04-21">8-K</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">CURRENT REPORT</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Pursuant to Section 13 or 15(d)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">of the Securities Exchange Act of 1934</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt:datemonthdayyearen">April 21, 2020</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:24pt;margin-bottom:0px;margin-top:12pt"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">Navient Corporation</span> </p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(Exact name of registrant as specified in its charter)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2020-04-21_to_2020-04-21">001-36228</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2020-04-21_to_2020-04-21">46-4054283</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(State or other jurisdiction</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">of incorporation)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Commission</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">File Number)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(I.R.S. Employer</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Identification No.)</p></td></tr></table>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:50%;"></td>
<td style="width:1%;"></td>
<td style="width:48%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2020-04-21_to_2020-04-21">123 Justison Street</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2020-04-21_to_2020-04-21">Wilmington</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2020-04-21_to_2020-04-21">19801</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Address of principal executive offices)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Zip Code)</p></td></tr></table> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2020-04-21_to_2020-04-21">(302)</ix:nonNumeric> <ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2020-04-21_to_2020-04-21">283-8000</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Not Applicable</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Former name or former address, if changed since last report)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p> <p style="font-family:Times New Roman;margin-left:0%;text-align:left;text-indent:0%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Emerging growth company&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2020-04-21_to_2020-04-21" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal">&#9744;</span></p> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Securities registered pursuant to Section 12(b) of the Act:</p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:35%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:32%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Title of each class</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trading</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Symbol(s)</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Name of each exchange</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">on which registered</p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">Common stock, par value $.01 per share</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">NAVI</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember" format="ixt-sec:exchnameen">The NASDAQ Global Select Market</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">6%&#160;Senior Notes due December&#160;15, 2043</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">JSM</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember" format="ixt-sec:exchnameen">The NASDAQ Global Select Market</ix:nonNumeric></p></td></tr></table> <p style="margin-bottom:0px;margin-top:10pt"></p> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">ITEM&#160;2.02 </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">RESULTS OF OPERATIONS AND FINANCIAL CONDITION.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">On April&#160;21, 2020, Navient Corporation (the &#8220;Company&#8221;) issued an informational press release announcing its financial results for the quarter ended March&#160;31, 2020 were available on the &#8220;Investor&#8221; page of its website located at https://www.navient.com/about/investors/. Additionally, on April&#160;21, 2020, the Company posted its financial results for the quarter ended March&#160;31, 2020 to its above-referenced web location. A copy of each press release is furnished as Exhibit 99.1 and Exhibit 99.2 hereto. </p> <p style="margin-bottom:0px;margin-top:18pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">ITEM&#160;9.01 </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">FINANCIAL STATEMENTS AND EXHIBITS.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;text-align:left;">&#160;</td>
<td style="width:4%;vertical-align:top;">(d) </td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Exhibits</td> </tr> </table>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td></td>
<td></td>
<td></td>
<td style="width:5%;"></td>
<td style="width:92%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td colspan="2" style="white-space:nowrap;vertical-align:bottom;text-align:center;"> <p style="font-family:Times New Roman;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Exhibit <br />Number </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;display:inline-block;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:left;"> <p style="font-family:Times New Roman;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Description </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">99.1* </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d912276dex991.htm">Press Release, dated April&#160;21, 2020. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">99.2* </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d912276dex992.htm">Financial Press Release, dated April&#160;21, 2020. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">104 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Cover Page Interactive Data File (embedded within the Inline XBRL document). </p> </td> </tr> </table> <div style="text-align:center"> <p style="line-height:8pt;border-bottom:0.50px solid #000000;width:10.53%;margin-top:0pt;margin-bottom:2pt">&#160;</p> </div>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;vertical-align:top;white-space:nowrap;">* </td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Furnished herewith.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">SIGNATURES </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:0px;margin-right:auto">
<tr>
<td style="width:45%;"></td>
<td style="width:1%;"></td>
<td style="width:4%;"></td>
<td style="width:1%;"></td>
<td style="width:3%;"></td>
<td style="width:1%;"></td>
<td style="width:44%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td colspan="3" style="vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">NAVIENT CORPORATION </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Date: April&#160;21, 2020 </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">By:</p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;margin-bottom:1pt;font-size:10pt;margin-top:0pt;border-bottom:1px solid #000000">/s/ Christian M. Lown </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Christian M. Lown </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Chief Financial Officer </p> </td> </tr> </table> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d912276dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g912276g0418115939478.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">NEWS RELEASE </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For immediate
release </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Navient posts first-quarter 2020 financial results </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>WILMINGTON, Del., April 21, 2020</B><B> </B>&#151; Navient (Nasdaq: NAVI), a leading provider of education loan management and business processing
solutions, today posted its 2020 first-quarter financial results. The complete financial results release is available on the company&#146;s website at<B> </B><U>Navient.com/investors</U>. The results will also be available on Form 8-K on the
SEC&#146;s website at <U>www.sec.gov</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Navient will hold a conference call tomorrow, April 22, 2020 at 8 a.m. ET, hosted by Jack Remondi, president
and CEO, and Chris Lown, CFO. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">To access the conference call, dial 855-838-4156 (USA and Canada) or 267-751-3600 (international) and use access code
3190458 starting at 7:45 a.m. ET. The live audio webcast will be available on <U>Navient.com/investors</U>. Supplemental financial information and presentation slides used during the call will be available on the company&#146;s website no later than
the call&#146;s start time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A replay may be accessed approximately two hours after the call through May 6, 2020 at 855-859-2056 (USA and Canada) or
404-537-3406 (international), with access code 3190458. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">* * * </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About Navient</B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Navient (Nasdaq: NAVI) is a leading
provider of education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels. We help our clients and millions of Americans achieve success through
technology-enabled financing, services, and support. Learn more at Navient.com. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contact:</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Media: Paul Hartwick, 302-283-4026, paul.hartwick@navient.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Investors: Joe Fisher, 302-283-4075, joe.fisher@navient.com </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Nathan Rutledge, 703-984-6801, nathan.rutledge@navient.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"># # # </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>d912276dex992.htm
<DESCRIPTION>EX-99.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="right"><B>Exhibit 99.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:11pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:11pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.40em">


<IMG SRC="g912276g01t77.jpg" ALT="LOGO">
</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL" ALIGN="right"><FONT COLOR="#482366"><B>NAVIENT REPORTS FIRST-QUARTER&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:11pt; font-family:ARIAL" ALIGN="right"><FONT COLOR="#482366"><B>2020 FINANCIAL RESULTS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g912276g50f21.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>WILMINGTON, Del., April</B><B></B><B>&nbsp;21, 2020</B>&nbsp;&#151;&nbsp;Navient (Nasdaq: NAVI) today released its first-quarter
2020 financial results. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#d9cfe3">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>OVERALL<BR>RESULTS</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;GAAP net
loss of $106&nbsp;million ($0.53 diluted loss per share) compared to net income of $128&nbsp;million ($0.52 diluted earnings per share) in the <FONT STYLE="white-space:nowrap">year-ago</FONT> quarter. The net loss in first-quarter 2020 was the
result of $236&nbsp;million of <FONT STYLE="white-space:nowrap">pre-tax</FONT> <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> losses on derivative and hedging activities as a result of the significant
reduction in interest rates. These losses primarily relate to derivatives used to hedge FFELP Loan floor income that do not qualify for hedge accounting.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Adjusted<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP> diluted Core Earnings<SUP
STYLE="font-size:85%; vertical-align:top">(2)</SUP> per share of $0.51 compared to $0.58 in the <FONT STYLE="white-space:nowrap">year-ago</FONT> quarter.</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Core Earnings of $93&nbsp;million ($0.46 diluted Core Earnings per share) compared to
$136&nbsp;million ($0.55 diluted Core Earnings per share) in the <FONT STYLE="white-space:nowrap">year-ago</FONT> quarter.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>CEO COMMENTARY</B> &#150; &#147;The <FONT STYLE="white-space:nowrap">COVID-19</FONT> crisis is challenging our nation, our customers
and clients, and our people in unimaginable ways,&#148; said Jack Remondi, president and CEO of Navient. &#147;In response, we are focused on providing services and relief options to our customers and clients, keeping our teammates healthy and safe
and continuing to support our communities. It has been inspiring to watch our team mobilize to rapidly support a work-from-home setup, provide relief options to our borrowers and respond with new services desperately needed by our clients. I am
proud of the way we have responded and I want to express my appreciation to our employees for their flexibility and continued commitment to those we serve as well as our local communities. Our first quarter earnings reflect the strength of our
organization&#146;s business strategy and the hard work and creativity of our team.&#148; </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>HIGHLIGHTS COMPARED TO THE YEAR-AGO
QUARTER</B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="17%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD></TR>


<TR BGCOLOR="#f2f2f2" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>FEDERAL <BR>EDUCATION <BR>LOANS SEGMENT</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;FFELP Loan
delinquency rate decreased 5% from 11% to 10.5%.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Forbearance rate increased 19% from 12.7% to 15.1%.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>CONSUMER LENDING <BR>SEGMENT</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Originated
$1.9&nbsp;billion of Private Education Refinance Loans, up 92%.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Private Education Loan delinquency rate decreased 31% from 5.2% to 3.6%.</P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Forbearance rate increased 176%
from 2.5% to 6.9%.</P></TD></TR>
<TR BGCOLOR="#f2f2f2" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>BUSINESS <BR>PROCESSING <BR>SEGMENT</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;EBITDA<SUP
STYLE="font-size:85%; vertical-align:top">(2)</SUP> decreased 71% to $4&nbsp;million, primarily due to contract terminations/expirations, the impact of <FONT STYLE="white-space:nowrap">COVID-19</FONT> on certain activities and <FONT
STYLE="white-space:nowrap">one-time</FONT> efficiency initiative costs.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;In April, won significant contracts in connection with assisting two states to implement programs
under the CARES Act.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Contingent collections receivables inventory remained stable at $15&nbsp;billon.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>CAPITAL</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Adopted CECL
on January&nbsp;1, 2020, resulting in a $620&nbsp;million reduction to equity (see pages 21&nbsp;&#150; 23 for further details).</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Repurchased 23.0&nbsp;million common shares.</P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Paid $31&nbsp;million in common
stock dividends.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Adjusted
tangible equity ratio<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP> of 3.2%.</P></TD></TR>
<TR BGCOLOR="#f2f2f2" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>FUNDING&nbsp;&amp;<BR>LIQUIDITY</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Issued
$1.9&nbsp;billion in term ABS and $700&nbsp;million in unsecured debt.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;$1.1&nbsp;billion of cash as of March&nbsp;31, 2020.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><B>EXPENSES</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.80em; text-indent:-1.80em; font-size:10pt; font-family:ARIAL">&#149;&#8195;&#8201;&#8201;Adjusted Core
Earnings expenses<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP> decreased $5&nbsp;million to $244&nbsp;million.</P></TD></TR>
</TABLE> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Adjusted diluted Core Earnings per share, a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measure, excludes
$12&nbsp;million and $8&nbsp;million of restructuring and regulatory-related expenses in first-quarters 2020 and 2019, respectively. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Item is a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measure. For an explanation and reconciliation of our
<FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures, see pages 4&nbsp;&#150;&nbsp;5. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Adjusted Core Earnings expenses, a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measure, exclude
$12&nbsp;million and $8&nbsp;million of restructuring and regulatory-related expenses in first-quarters 2020 and 2019, respectively. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>SEGMENT RESULTS &#151; CORE
EARNINGS</B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR BGCOLOR="#482366" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#ffffff"><B><FONT COLOR="#ffffff">FEDERAL
EDUCATION LOANS</FONT></B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR BGCOLOR="#d9cfe3" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; font-size:10pt; font-family:ARIAL">In this segment, Navient holds and acquires FFELP Loans and
performs servicing and asset recovery services on its own loan portfolio, federal education loans owned by the U.S. Department of Education and other institutions.</P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>FINANCIAL RESULTS AND KEY PERFORMANCE METRICS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="62%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;1Q20</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;4Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;1Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">132&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">148&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">239&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">267&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">257&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">136&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">127&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Segment net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.81%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.87%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.80%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">FFELP Loans:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">FFELP Loan spread</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.87%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.93%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.87%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Charge-off</FONT> rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.15%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.06%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.11%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Greater than <FONT STYLE="white-space:nowrap">30-days</FONT> delinquency rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.5%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.0%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Greater than <FONT STYLE="white-space:nowrap">90-days</FONT> delinquency rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.4%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.8%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Forbearance rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.1%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.2%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">63,894&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">65,642&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">71,226&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending FFELP Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,492&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64,575&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">69,908&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:ARIAL"><B>(Dollars in billions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Number of accounts serviced for ED (in millions)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.9&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total federal loans serviced</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">285&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">287&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">293&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Contingent collections receivables inventory</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 13.6&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 19.0&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 26.8&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>DISCUSSION OF RESULTS &#151; 1Q20 vs. 1Q19 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Core Earnings were $119&nbsp;million compared to $127&nbsp;million in the <FONT STYLE="white-space:nowrap">year-ago</FONT>
quarter. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Net interest income decreased $14&nbsp;million primarily due to the natural paydown of the portfolio.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Provision for loan losses decreased $2&nbsp;million. See pages 21 &#150; 23 for discussion regarding transition to CECL on
January&nbsp;1, 2020. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Charge-offs were $19&nbsp;million compared with $17&nbsp;million in first-quarter 2019. CECL requires the charge-offs to
include the premium or discount related to defaulted loans which increased the first-quarter 2020 charge-offs by $5&nbsp;million. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Delinquencies greater than 30 days were $5.3&nbsp;billion compared with $6.3&nbsp;billion in first-quarter 2019.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Forbearances were $9.0&nbsp;billion, up $650&nbsp;million from $8.3&nbsp;billion in first-quarter 2019.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Other revenue decreased $6&nbsp;million primarily due to a $7&nbsp;million decrease in servicing revenue of which
$3&nbsp;million relates to the wind down of transition services fee revenue. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Operating expenses were $8&nbsp;million lower primarily as a result of ongoing efficiency initiatives.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
<div style="max-width:100%;margin-left:0%; margin-right:0%;border:solid 1px #0a767a;background-color:#0a767a;;padding-top:2pt;padding-bottom:3pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; padding-top:0pt; margin-left:1%; font-size:10pt; font-family:ARIAL"><FONT STYLE="font-family:ARIAL" COLOR="#ffffff"><B><FONT STYLE="font-family:ARIAL" COLOR="#ffffff">CONSUMER LENDING
</FONT></B></FONT></P></div><div style="max-width:100%;margin-left:0%; margin-right:0%;border:solid 1px #cde4e5;background-color:#cde4e5;;padding-top:2pt;padding-bottom:3pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1%; font-size:10pt; font-family:ARIAL">In this segment, Navient holds, originates and acquires consumer loans and performs servicing activities on its own loan portfolio. </P></div>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>FINANCIAL RESULTS AND KEY PERFORMANCE METRICS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="82%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="90%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q20</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD>
<TD HEIGHT="4" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">196&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">195&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">187&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">65&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Segment net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.31%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.31%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.22%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Private Education Loans (including Refinance Loans):</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Private Education Loan spread</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.51%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.52%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.45%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">97&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">94&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Charge-off</FONT> rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.3%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Greater than <FONT STYLE="white-space:nowrap">30-days</FONT> delinquency rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.6%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Greater than <FONT STYLE="white-space:nowrap">90-days</FONT> delinquency rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.0%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.6%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Forbearance rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.9%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.5%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average Private Education Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">23,112&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,624&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,761&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending Private Education Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,338&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,245&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,141&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Private Education Refinance Loans:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Greater than <FONT STYLE="white-space:nowrap">90-days</FONT> delinquency rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.1%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average balance of Private Education Refinance Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,149&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">5,976&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,644&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending balance of Private Education Refinance Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,722&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">6,423&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4,026&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Private Education Refinance Loan originations</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 1,890&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 1,643&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> &nbsp;$<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 984&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>DISCUSSION OF RESULTS &#151; 1Q20 vs. 1Q19 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Originated $1.9&nbsp;billion of Private Education Refinance Loans compared to $984&nbsp;million in the <FONT
STYLE="white-space:nowrap">year-ago</FONT> quarter. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Core Earnings were $54&nbsp;million compared to $65&nbsp;million in the <FONT STYLE="white-space:nowrap">year-ago</FONT>
quarter. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Net interest income increased $9&nbsp;million primarily due to the growth of the Refinance Loan portfolio and an improved
net interest margin partially resulting from an improved cost of funds. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Provision for loan losses increased $21&nbsp;million. See pages 21 &#150; 23 for discussion regarding transition to CECL on
January&nbsp;1, 2020. Provision of $89&nbsp;million in first-quarter 2020 primarily related to an increase in expected losses due to <FONT STYLE="white-space:nowrap">COVID-19&#146;s</FONT> negative impact on the current and forecasted economic
conditions. Private Education Loan performance results include: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Charge-offs were $68&nbsp;million compared with $94&nbsp;million in first-quarter 2019. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Private Education Loan delinquencies greater than 90 days: $347&nbsp;million, down $212&nbsp;million from $559&nbsp;million
in first-quarter 2019. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Private Education Loan delinquencies greater than 30 days: $769&nbsp;million, down $372&nbsp;million from first-quarter
2019. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Private Education Loan forbearances: $1.6&nbsp;billion, up $1.0&nbsp;billion from $575&nbsp;million in first-quarter 2019.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Expenses increased $1&nbsp;million primarily due to the increase in loan originations which was offset by reduced expenses
in connection with efficiency initiatives. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <div style="max-width:100%;margin-left:0%; margin-right:0%;border:solid 1px #1e5aaa;background-color:#1e5aaa;;padding-top:2pt;padding-bottom:3pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; padding-top:0pt; margin-left:1%; font-size:10pt; font-family:ARIAL"><FONT STYLE="font-family:ARIAL" COLOR="#ffffff"><B><FONT STYLE="font-family:ARIAL" COLOR="#ffffff">BUSINESS PROCESSING
</FONT></B></FONT></P></div><div style="max-width:100%;margin-left:0%; margin-right:0%;background-color:#cddef0;;padding-top:2pt;padding-bottom:3pt"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1%; font-size:10pt; font-family:ARIAL">In
this segment, Navient performs business processing services for <FONT STYLE="white-space:nowrap">non-education</FONT> related government and healthcare clients. </P></div>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>FINANCIAL RESULTS AND KEY PERFORMANCE METRICS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="65%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;1Q20&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;4Q19&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;1Q19&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Revenue from government services</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">34&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Revenue from healthcare services</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total fee revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Expenses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">EBITDA<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">EBITDA margin<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Contingent collections receivables inventory (in billions)</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> $<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 15.1&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> $<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 14.9&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> $<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"> 15.0&nbsp;&nbsp;&nbsp;&nbsp;<P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="11%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Item is a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measure. For an explanation and reconciliation of our
<FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures, see below. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>DISCUSSION OF RESULTS &#151; 1Q20 vs. 1Q19 </B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Core Earnings were $2&nbsp;million compared to $10&nbsp;million in the <FONT STYLE="white-space:nowrap">year-ago</FONT>
quarter. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Revenue declined $11&nbsp;million primarily as a result of contract terminations and expirations, as well as the impact of <FONT
STYLE="white-space:nowrap">COVID-19</FONT> on certain government services business lines. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">EBITDA was $4&nbsp;million, down 71% from the <FONT STYLE="white-space:nowrap">year-ago</FONT> quarter with the EBITDA
margin decreasing 67%. The decrease in EBITDA and the EBITDA margin is a result of the revenue decline discussed above, the impact of <FONT STYLE="white-space:nowrap">COVID-19</FONT> on certain government services business lines, as well as the cost
of implementing efficiency initiatives. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Contingent collections receivables inventory remained stable at $15&nbsp;billion. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#77256c"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;NON-GAAP</FONT> FINANCIAL MEASURES</B></FONT></P>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">In addition to financial results reported on a GAAP basis, Navient also provides certain performance measures which are <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. The following <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures are presented within this Earnings Release: </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>1. Core Earnings </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The difference between the company&#146;s Core Earnings and
its GAAP results is that Core Earnings excludes the impacts of: <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">(1)&nbsp;mark-to-market</FONT></FONT> gains/losses on derivatives and (2)&nbsp;goodwill and acquired intangible asset
amortization and impairment. Management uses Core Earnings in making decisions regarding the company&#146;s performance and the allocation of corporate resources and, as a result, our segment results are presented using Core Earnings. In addition,
Navient&#146;s equity investors, credit rating agencies and debt capital investors use these Core Earnings measures to monitor the company&#146;s business performance. See &#147;Core Earnings&#148; on pages 11 &#150; 18 for a reconciliation between
GAAP net income and Core Earnings. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>2. Adjusted Tangible Equity Ratio </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">This measures the ratio of Navient&#146;s tangible equity to its tangible assets. We adjust this ratio to exclude the assets and equity associated with our FFELP
portfolio because FFELP Loans are no longer originated and the FFELP portfolio bears a 3% maximum loss exposure under the terms of the federal guaranty. Management believes that excluding this portfolio from the ratio enhances its usefulness to
investors. Management uses this ratio, in addition to other metrics, for analysis and decision making related to capital allocation decisions. See &#147;Adjusted Tangible Equity Ratio&#148; on page 19 for a reconciliation of the Adjusted Tangible
Equity Ratio calculation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>3. Earnings before Interest, Taxes, Depreciation and Amortization Expense (&#147;EBITDA&#148;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">This measures the operating performance of the Business Processing segment and is used by management and our equity investors to monitor operating performance and
determine the value of those businesses. See &#147;Earnings before Interest, Taxes, Depreciation and Amortization Expense (&#145;EBITDA&#146;)&#148; on page 19 for a reconciliation of the EBITDA calculation for the Business Processing segment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">*&nbsp;*&nbsp;* </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Definitions for capitalized terms in this release can
be found in Navient&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended Dec.&nbsp;31, 2019 (filed with the SEC on Feb.&nbsp;27, 2020). Certain reclassifications have been made to the balances as of and for
the three months ended March&nbsp;31, 2019, to be consistent with classifications adopted for 2020, and had no effect on net income, total assets or total liabilities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Navient will host an earnings conference call tomorrow, April&nbsp;22, 2020, at 8 a.m. ET. Navient executives will be on hand to discuss various highlights of the
quarter and to answer questions related to the company&#146;s performance. To participate, join a live audio webcast at navient.com/investors or dial <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">855-838-4156</FONT></FONT> (USA
and Canada) or dial <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">267-751-3600</FONT></FONT> (international) and use access code 3190458 starting at 7:45 a.m. ET. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Presentation slides for the conference call, as well as additional information about the company&#146;s loan portfolios, operating segments and other details, may be
accessed at www.navient.com/investors under the webcasts tab. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">A replay of the conference call will be available approximately two hours after the call&#146;s
conclusion through May&nbsp;6, 2020, at navient.com/investors or by dialing <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">855-859-2056</FONT></FONT> (USA and Canada) or <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">404-537-3406</FONT></FONT> (international) with access code 3190458. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>This news release contains &#147;forward-looking
statements,&#148; within the meaning of the federal securities law, about our business and prospects and other information that is based on management&#146;s current expectations as of the date of this release. </B>Statements that are not historical
facts, including statements about the company&#146;s beliefs, opinions or expectations and statements that assume or are dependent upon future events, are forward-looking statements and often contain words such as &#147;expect,&#148;
&#147;anticipate,&#148; &#147;intend,&#148; &#147;plan,&#148; &#147;believe,&#148; &#147;seek,&#148; &#147;see,&#148; &#147;will,&#148; &#147;would,&#148; &#147;may,&#148; &#147;could,&#148; &#147;should,&#148; &#147;goal,&#148; or
&#147;target.&#148; Forward-looking statements are subject to risks, uncertainties, assumptions and other factors that may cause actual results to be materially different from those reflected in such forward-looking statements. For Navient, these
factors include, among others, the severity, magnitude and duration of the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic, including changes in the macroeconomic environment, restrictions on business, individual or travel activities
intended to slow the spread of the pandemic and volatility in market conditions resulting from the pandemic including interest rates, the value of equities and other financial assets; the risks and uncertainties associated with increases in
financing costs; the availability of financing or limits on our liquidity resulting from disruptions in the capital markets or other factors; unanticipated increases in costs associated with compliance with federal, state or local laws and
regulations; changes in the demand for asset management and business processing solutions or other changes in marketplaces in which we compete (including increased competition); changes in accounting standards including but not limited to changes
pertaining to loan loss reserves and estimates or other accounting standards that may impact our operations; adverse outcomes in any significant litigation to which the company is a party; credit risk associated with the company&#146;s underwriting
standards or exposure to third parties, including counterparties to hedging transactions; and changes in the terms of education loans and the educational credit marketplace (including changes resulting from the CARES Act or other new laws and the
implementation of existing laws). The company could also be affected by, among other things: unanticipated repayment trends on loans including prepayments or deferrals in our securitization trusts that could accelerate or delay repayment of the
bonds; reductions to our credit ratings, the credit ratings of asset-backed securitizations we sponsor or the credit ratings of the United&nbsp;States of America; failures of our operating systems or infrastructure or those of third-party vendors;
risks related to cybersecurity including the potential disruption of our systems or those of our third-party vendors or customers, or potential disclosure of confidential customer information; damage to our reputation resulting from cyber-breaches,
litigation, the politicization of student loan servicing or other actions or factors; failure to successfully implement cost-cutting initiatives and adverse effects of such initiatives on our business; failure to adequately integrate acquisitions or
realize anticipated benefits from acquisitions including delays or errors in converting portfolio acquisitions to our servicing platform; changes in law and regulations whether new laws or regulations, or new interpretations of existing laws and
regulations applicable to any of our businesses or activities or those of our vendors, suppliers or customers; changes in the general interest rate environment, including the availability of any relevant money-market index rate, including LIBOR, or
the relationship between the relevant money-market index rate and the rate at which our assets are priced; our ability to successfully effectuate any acquisitions and other strategic </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">
initiatives; activities by shareholder activists, including a proxy contest or any unsolicited takeover proposal; changes in general economic conditions; and the other factors that are described
in the &#147;Risk Factors&#148; section of Navient&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019, and in our other reports filed with the Securities and Exchange Commission. The
preparation of the company&#146;s consolidated financial statements also requires management to make certain estimates and assumptions including estimates and assumptions about future events. These estimates or assumptions may prove to be incorrect
and actual results could differ materially. All forward-looking statements contained in this release are qualified by these cautionary statements and are made only as of the date of this release. The company does not undertake any obligation to
update or revise these forward-looking statements except as required by law. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">*&nbsp;*&nbsp;* </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center"><B>About Navient </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Navient&nbsp;(Nasdaq: NAVI) is a leading
provider of education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels. We help our clients and millions of Americans achieve success through
technology-enabled financing, services and support. Learn more at&nbsp;Navient.com. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Contact: </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="91%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Media:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Paul&nbsp;Hartwick,&nbsp;302-283-4026,&nbsp;
paul.hartwick@navient.com</FONT></FONT></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Investors:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Joe Fisher, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">302-283-4075,</FONT></FONT>
joe.fisher@navient.com</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Nathan Rutledge,
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">703-984-6801,</FONT></FONT> <U>nathan.rutledge@navient.com</U></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL" ALIGN="center">#&nbsp;#&nbsp;# </P> <P STYLE="font-size:90pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:48pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g912276g45m22.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:50pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:60pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g912276g08p97.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#77256c"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>&nbsp;SELECTED HISTORICAL FINANCIAL
INFORMATION AND RATIOS</B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="67%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS ENDED</B></P>
<P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(In&nbsp;millions,&nbsp;except&nbsp;per&nbsp;share&nbsp;data)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>GAAP&nbsp;Basis</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(106)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">171&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Diluted earnings (loss) per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(.53)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.78&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.52&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Weighted average shares used to compute diluted earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">200&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">247&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest margin, Federal Education Loan segment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.76%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.73%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.76%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest margin, Consumer Lending segment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.34%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.32%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.28%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Return on assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.47)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.73%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.53%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending FFELP Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,492&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64,575&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">69,908&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending Private Education Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,338&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,245&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,141&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending total education loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">84,830&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">86,820&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">92,049&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">63,894&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">65,642&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">71,226&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average Private Education Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,112&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,624&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,761&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average total education loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">87,006&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">88,266&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93,987&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Core Earnings Basis<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">153&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">136&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Diluted earnings per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.46&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.69&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.55&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Adjusted diluted earnings per common share<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.51&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.67&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.58&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Weighted average shares used to compute diluted earnings per share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">221&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">247&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest margin, Federal Education Loan segment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.81%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.87%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.80%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net interest margin, Consumer Lending segment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.31%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.31%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.22%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Return on assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.41%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.66%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.56%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending FFELP Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,492&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64,575&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">69,908&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending Private Education Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,338&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,245&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,141&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending total education loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">84,830&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">86,820&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">92,049&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">63,894&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">65,642&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">71,226&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average Private Education Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,112&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,624&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,761&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average total education loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">87,006&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">88,266&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93,987&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Core Earnings are <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures and do not represent a comprehensive
basis of accounting. For a greater explanation of Core Earnings, see the section titled <FONT STYLE="white-space:nowrap">&#147;Non-GAAP</FONT> Financial Measures &#151; Core Earnings.&#148; </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Adjusted diluted Core Earnings per share, a <FONT STYLE="white-space:nowrap">non-GAAP</FONT> Financial measure, excludes
net restructuring and regulatory expenses of $12&nbsp;million, $(7)&nbsp;million and $8&nbsp;million for the three months ended March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, respectively. Regulatory costs for fourth-quarter
2019 are net of $20&nbsp;million in insurance reimbursements for covered costs related to such matters. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#77256c"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>&nbsp;&nbsp;RESULTS OF
OPERATIONS</B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We present the results of operations below first on a consolidated basis in accordance with GAAP. Following our discussion of
consolidated earnings results on a GAAP basis, we present our results on a segment basis. We have four reportable operating segments: Federal Education Loans, Consumer Lending, Business Processing and Other. These segments operate in distinct
business environments and we manage and evaluate the financial performance of these segments using <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures we call Core Earnings (see <FONT STYLE="white-space:nowrap">&#147;Non-GAAP</FONT>
Financial Measures &#151; Core Earnings&#148; for further discussion). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR BGCOLOR="#77256c" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#ffffff"><B><FONT COLOR="#ffffff">&nbsp;&nbsp;GAAP STATEMENTS OF
INCOME (UNAUDITED)</FONT></B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="6" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,&nbsp;2020<BR>vs.<BR>December&nbsp;31,&nbsp;2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,&nbsp;2020<BR>vs.<BR>March&nbsp;31,&nbsp;2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>QUARTERS&nbsp;ENDED</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Increase<BR>(Decrease)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:ARIAL"><B>(In&nbsp;millions,&nbsp;except&nbsp;per&nbsp;share&nbsp;data)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Interest income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">571&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">636&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">763&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(65)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(192)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Private Education Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">404&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">414&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">443&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(39)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Cash and investments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(56)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,068&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,234&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(81)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(247)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">714&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">774&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">949&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(60)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(235)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">273&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">285&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(21)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Less: provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net interest income after provisions for <BR>loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">209&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(66)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Other income (loss):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Servicing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Asset recovery and business processing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(56)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Gains (losses) on debt repurchases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Gains (losses) on derivative and hedging activities, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(266)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(619)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(230)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,286)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(48)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(267)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(122)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(267)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(122)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">251&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Restructuring/other reorganization expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">150&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">264&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Income (loss) before income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(131)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">220&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(351)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(160)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(295)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(180)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(74)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(151)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(61)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(169)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL"><B>Net income (loss)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(106)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">171&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">128&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(277)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(162)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(234)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(183)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL"><B>Basic earnings (loss) per common share</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(.53)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.79&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.52&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1.32)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(167)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1.05)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL"><B>Diluted earnings (loss) per common share</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(.53)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.78&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.52&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1.31)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(168)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1.05)&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(202)%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL"><B>Dividends per common share</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.16&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.16&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">.16&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;%&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>
<TR BGCOLOR="#77256c" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#ffffff"><B><FONT COLOR="#ffffff">&nbsp;&nbsp;GAAP
BALANCE SHEET (UNAUDITED)</FONT></B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="64%"></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(In&nbsp;millions,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;data)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">FFELP Loans (net of allowance for losses of $311, $64 and $67, respectively)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,492&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64,575&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">69,908&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Private Education Loans (net of allowance for losses of $1,083, $1,048 and $1,178, respectively)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,338&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,245&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,141&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Investments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">316&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">207</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,084&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,233&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,206&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Restricted cash and cash equivalents</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,684&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,548&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,014&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Goodwill and acquired intangible assets, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">752&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">757&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">780&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,579&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,334&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,323&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93,245&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">94,903&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,579&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Short-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,452&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8,483&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7,505&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Long-term borrowings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,297&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,715&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88,140&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,448&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,356&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,491&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91,197&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91,554&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,136&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Commitments and contingencies</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Common stock, par value $0.01 per share; 1.125&nbsp;billion shares authorized: 453&nbsp;million,
451&nbsp;million and 450&nbsp;million shares, respectively, issued</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Additional <FONT STYLE="white-space:nowrap">paid-in</FONT> capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,212&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,198&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,174&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Accumulated other comprehensive (loss) income, net of tax </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(300)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(91)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,905&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,664&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,303&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total Navient Corporation stockholders&#146; equity before treasury stock</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,821&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,775&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,524&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Less: Common stock held in treasury: 259&nbsp;million, 236&nbsp;million and 210&nbsp;million shares,
respectively</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,786)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,439)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,094)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total Navient Corporation stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,035&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,336&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,430&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Noncontrolling interest</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,048&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,349&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,443&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total liabilities and equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93,245&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">94,903&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,579&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#77256c"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>&nbsp;&nbsp;CONSOLIDATED EARNINGS
SUMMARY&nbsp;&#151;&nbsp;GAAP BASIS</B></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>Three Months Ended March&nbsp;31, 2020 Compared with Three Months Ended March&nbsp;31, 2019 </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Net loss was $106&nbsp;million, or $0.53 diluted loss per common share, compared with net income of $128&nbsp;million, or $0.52 diluted earnings per common share, for
the <FONT STYLE="white-space:nowrap">year-ago</FONT> period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The primary contributors to the change in net income are as follows: </P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Net interest income decreased by $12&nbsp;million, primarily as a result of the continued natural paydown of the FFELP and <FONT
STYLE="white-space:nowrap">non-refinance</FONT> Private Education Loan portfolios which was partially offset by the growth in the Private Education Refinance Loan portfolio and an increase in FFELP Floor Income as a result of lower interest rates.
</P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Provisions for loan losses increased $19&nbsp;million (see pages 21 &#150; 23 for a discussion regarding the transition to
CECL on January&nbsp;1, 2020): </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">The provision for FFELP loan losses decreased $2&nbsp;million. </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="12%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-SIZE:95%">&#9675;</FONT></SUP>&nbsp;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">The provision for Private Education Loan losses increased $21&nbsp;million. Provision of $89&nbsp;million in first-quarter
2020 is primarily related to an increase in expected losses due to <FONT STYLE="white-space:nowrap">COVID-19&#146;s</FONT> negative impact on the current and forecasted economic conditions. </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Servicing revenue decreased $4&nbsp;million primarily due to the natural paydown of the FFELP Loan portfolio serviced for
third parties. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Asset recovery and business processing revenue decreased $9&nbsp;million primarily as a result of contract terminations and
expirations, as well as the impact of <FONT STYLE="white-space:nowrap">COVID-19</FONT> on certain government services business lines. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Net gains on debt repurchases decreased by $15&nbsp;million. There were no debt repurchases in first-quarter 2020 compared
to $46&nbsp;million repurchased at a $15&nbsp;million gain in the <FONT STYLE="white-space:nowrap">year-ago</FONT> period. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Net losses on derivative and hedging activities increased $230&nbsp;million. The primary factors affecting the change were
interest rate and foreign currency fluctuations, which impact the valuations of our Floor Income Contracts, basis swaps, foreign currency hedges and other derivative instruments during each period. Valuations of derivative instruments fluctuate
based upon many factors including changes in interest rates, credit risk, foreign currency fluctuations and other market factors. As a result, net gains and losses on derivative and hedging activities may vary significantly in future periods. In
particular, the net loss in first-quarter 2020 was primarily related to the significant reduction in interest rates and resulting impact on the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> of the
derivatives used to economically hedge FFELP Loan floor income that do not qualify for hedge accounting. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Excluding net regulatory-related costs of $7&nbsp;million in the first quarters of 2020 and 2019, operating expenses
decreased $5&nbsp;million primarily as a result of ongoing cost saving initiatives across the Company. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">During the first quarters of 2020 and 2019, the Company incurred $5&nbsp;million and $1&nbsp;million, respectively, of
restructuring/other reorganization expenses in connection with an effort to reduce costs and improve operating efficiency. These charges were due primarily to severance-related costs. </P></TD></TR></TABLE>
<P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We repurchased 23.0&nbsp;million and 9.4&nbsp;million shares of our common stock during the first quarters of 2020 and 2019, respectively. As a result of repurchases,
our average outstanding diluted shares decreased by 45&nbsp;million common shares (or 18 percent) from the <FONT STYLE="white-space:nowrap">year-ago</FONT> period. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" BGCOLOR="#77256c"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;NON-GAAP</FONT> FINANCIAL MEASURES</B></FONT></P>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">In addition to financial results reported on a GAAP basis, Navient also provides certain performance measures which are <FONT
STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. The following <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures are presented within this Earnings Release: (1)&nbsp;Core Earnings, (2)&nbsp;Adjusted Tangible Equity
Ratio and (3)&nbsp;EBITDA for the Business Processing segment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>1. Core Earnings </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We prepare financial statements and present financial results in accordance with GAAP. However, we also evaluate our business segments and present financial results on a
basis that differs from GAAP. We refer to this different basis of presentation as Core Earnings. We provide this Core Earnings basis of presentation on a consolidated basis and for each business segment because this is what we review internally when
making management decisions regarding our performance and how we allocate resources. We also refer to this information in our presentations with credit rating agencies, lenders and investors. Because our Core Earnings basis of presentation
corresponds to our segment financial presentations, we are required by GAAP to provide Core Earnings disclosure in the notes to our consolidated financial statements for our business segments. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Core Earnings are not a substitute for reported results under GAAP. We use Core Earnings to manage our business segments because Core Earnings reflect adjustments to
GAAP financial results for two items, discussed below, that can create significant volatility mostly due to timing factors generally beyond the control of management. Accordingly, we believe that Core Earnings provide management with a useful basis
from which to better evaluate results from ongoing operations against the business plan or against results from prior periods. Consequently, we disclose this information because we believe it provides investors with additional information regarding
the operational and performance indicators that are most closely assessed by management. When compared to GAAP results, the two items we remove to result in our Core Earnings presentations are: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Mark-to-market</FONT></FONT> gains/losses resulting
from our use of derivative instruments to hedge our economic risks that do not qualify for hedge accounting treatment or do qualify for hedge accounting treatment but result in ineffectiveness; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="6%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left">The accounting for goodwill and acquired intangible assets. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">While GAAP provides a uniform, comprehensive basis of accounting, for the reasons described above, our Core Earnings basis of presentation does not. Core Earnings are
subject to certain general and specific limitations that investors should carefully consider. For example, there is no comprehensive, authoritative guidance for management reporting. Our Core Earnings are not defined terms within GAAP and may not be
comparable to similarly titled measures reported by other companies. Accordingly, our Core Earnings presentation does not represent a comprehensive basis of accounting. Investors, therefore, may not be able to compare our performance with that of
other financial services companies based upon Core Earnings. Core Earnings results are only meant to supplement GAAP results by providing additional information regarding the operational and performance indicators that are most closely used by
management, our board of directors, credit rating agencies, lenders and investors to assess performance. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following tables show Core Earnings for each reportable segment and our business as a whole along with the
adjustments made to the income/expense items to reconcile the amounts to our reported GAAP results as required by GAAP. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="36%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;MARCH&nbsp;31,&nbsp;2020</B></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:6.5pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Federal<BR>Education<BR>Loans</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer<BR>Lending</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Business<BR>Processing</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Core<BR>Earnings</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Reclassifications</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Additions/<BR>(Subtractions)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Adjustments<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>GAAP</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Interest income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Education&nbsp;loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">582&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">404&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">986&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(11)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">975&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Cash&nbsp;and&nbsp;investments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">588&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">406&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">998&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">987&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">456&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">210&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">701&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">714&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">196&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">297&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(24)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">273&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Less: provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss) after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(31)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">202&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(24)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Servicing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Asset recovery and business processing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(227)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(216)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">175&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(227)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(48)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Direct operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Unallocated shared services expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">75&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">251&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">251&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Restructuring/other reorganization <BR>expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">156&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">70&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(108)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(252)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(252)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(131)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(26)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(82)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(199)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(199)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(106)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Core Earnings adjustments to GAAP: </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;MARCH&nbsp;31,&nbsp;2020&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Impact&nbsp;of<BR>Derivative<BR>Accounting</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Impact&nbsp;of<BR>Goodwill&nbsp;and<BR>Acquired<BR>Intangibles</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net interest income after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(24)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(24)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total Core Earnings adjustments to GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(247)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(252)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(53)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(199)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Income taxes are based on a percentage of net income before tax for the individual reportable segment.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;DECEMBER&nbsp;31,&nbsp;2019</B></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:6.5pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Federal<BR>Education<BR>Loans</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer<BR>Lending</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Business<BR>Processing</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Core<BR>Earnings</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Reclassifications</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Additions/<BR>(Subtractions)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Adjustments<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>GAAP</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Interest income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Education&nbsp;loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">649&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">414&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,063&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,050&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Cash&nbsp;and&nbsp;investments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">658&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">417&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,081&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,068&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">510&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">771&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">774&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">148&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">195&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">310&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">294&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Less: provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss) after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">153&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">244&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Other income (loss):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Servicing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Asset recovery and business processing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Losses on debt repurchases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">176&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Direct operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Unallocated shared services expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">235&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Restructuring/other reorganization <BR>expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">237&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">243&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(104)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">199&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">220&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(24)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">136&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(80)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">153&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">171&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Core Earnings adjustments to GAAP: </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;DECEMBER&nbsp;31,&nbsp;2019&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Impact&nbsp;of<BR>Derivative<BR>Accounting</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Impact&nbsp;of<BR>Goodwill&nbsp;and<BR>Acquired<BR>Intangibles</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net interest income after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total Core Earnings adjustments to GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Income taxes are based on a percentage of net income before tax for the individual reportable segment.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="37%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;MARCH
31,&nbsp;2019</B></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:6.5pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Federal<BR>Education<BR>Loans</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Consumer<BR>Lending</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Business<BR>Processing</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Other</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Core<BR>Earnings</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Adjustments</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Reclassifications</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Additions/<BR>(Subtractions)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>Adjustments<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>GAAP</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Interest income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Education&nbsp;loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">779&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">443&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,222&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,206&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Cash&nbsp;and&nbsp;investments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">796&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">448&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,250&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,234&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">650&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">261&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">950&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">949&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">146&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">285&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Less: provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net interest income (loss) after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">209&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Servicing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Asset recovery and business processing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Gains on debt repurchases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">210&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">219&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Expenses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Direct operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Unallocated shared services expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Operating expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">256&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Restructuring/other reorganization <BR>expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Total expenses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">257&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">264&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(86)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">65&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(66)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">136&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Core Earnings adjustments to GAAP: </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED&nbsp;MARCH&nbsp;31,&nbsp;2019&nbsp;&nbsp;&nbsp;&nbsp;</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Net&nbsp;Impact&nbsp;of<BR>Derivative<BR>Accounting</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;Net&nbsp;Impact&nbsp;of&nbsp;&nbsp;<BR>Goodwill&nbsp;and<BR>Acquired<BR>Intangibles</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net interest income after provisions for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(15)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total other income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Goodwill and acquired intangible asset impairment and amortization</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Total Core Earnings adjustments to GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(7)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:ARIAL">Net income (loss)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Income taxes are based on a percentage of net income before tax for the individual reportable segment.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following discussion summarizes the differences between Core Earnings and GAAP net income and details each
specific adjustment required to reconcile our Core Earnings segment presentation to our GAAP earnings. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL"><B>Core Earnings net income</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">153&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">136&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Core Earnings adjustments to GAAP:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net impact of derivative accounting</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(247)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net impact of goodwill and acquired intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net tax effect</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total Core Earnings adjustments to GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(199)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL"><B>GAAP net income (loss)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(106)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">171&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">128&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(1)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>Derivative Accounting:</B> Core Earnings exclude periodic gains and losses that are caused by the <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> valuations on derivatives that do not qualify for hedge accounting treatment under GAAP, as well as the periodic <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gains and losses that are a result of ineffectiveness recognized related to effective hedges under GAAP. These gains and losses occur in our Federal Education Loans, Consumer Lending and Other
reportable segments. Under GAAP, for our derivatives that are held to maturity, the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gain or loss over the life of the contract will equal $0 except for
Floor Income Contracts, where the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gain will equal the amount for which we sold the contract. In our Core Earnings presentation, we recognize the economic
effect of these hedges, which generally results in any net settlement cash paid or received being recognized ratably as an interest expense or revenue over the hedged item&#146;s life. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:ARIAL">The table below quantifies the adjustments for derivative accounting between GAAP and Core Earnings
net income. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="67%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Core Earnings derivative adjustments:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Gains (losses) on derivative and hedging activities, net, included in other income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(223)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Plus: Gains (losses) on fair value hedging activity included in interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total gains (losses)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(232)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Plus: Settlements on derivative and hedging activities,
net<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Mark-to</FONT> market gains (losses) on derivative and hedging activities,
net<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(236)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Amortization of net premiums on Floor Income Contracts in net interest income for Core Earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(14)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other derivative accounting adjustments<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total net impact of derivative accounting</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(247)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&#8194;&#8202;Derivative accounting requires net settlement
income/expense on derivatives that do not qualify as hedges to be recorded in a separate income statement line item below net interest income. Under our Core Earnings presentation, these settlements are reclassified to the income statement line item
of the economically hedged item. For our Core Earnings net interest income, this would primarily include: (a)&nbsp;reclassifying the net settlement amounts related to our Floor Income Contracts to education loan interest income; and
(b)&nbsp;reclassifying the net settlement amounts related to certain of our interest rate swaps to debt interest expense. The table below summarizes these net settlements on derivative and hedging activities and the associated reclassification on a
Core Earnings basis.</P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0em; text-indent:0em; font-size:8pt; font-family:ARIAL">&#8194;&#8202;&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="67%"></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL"><B>Reclassification of settlements on derivative and&nbsp;hedging&nbsp;activities:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net settlement expense on Floor Income Contracts reclassified to net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(3)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net settlement income (expense) on interest rate swaps reclassified to net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net realized gains (losses) on terminated derivative contracts reclassified to other income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total reclassifications of settlements on derivative and hedging activities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">&#147;Mark-to-market</FONT></FONT> gains (losses) on
derivative and hedging activities, net&#148; is comprised of the following: </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="66%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Floor Income Contracts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(180)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">37&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Basis swaps</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Foreign currency hedges</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Other</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(99)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gains
(losses) on derivative and hedging<BR>activities, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(236)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">40&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Other derivative accounting adjustments consist of adjustments related to: (1)&nbsp;foreign currency denominated debt that
is adjusted to spot foreign exchange rates for GAAP where such adjustments are reversed for Core Earnings and (2)&nbsp;certain terminated derivatives that did not receive hedge accounting treatment under GAAP but were economic hedges under Core
Earnings and, as a result, such gains or losses are amortized into Core Earnings over the life of the hedged item. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; font-size:10pt; font-family:ARIAL"><I>Cumulative Impact of Derivative Accounting under GAAP compared to Core Earnings </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:11%; font-size:10pt; font-family:ARIAL">As of March&nbsp;31, 2020, derivative accounting has decreased GAAP equity by approximately $629&nbsp;million as a result of cumulative net <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> losses (after tax) recognized under GAAP, but not under Core Earnings. The following table rolls forward the cumulative impact to GAAP equity due to these <FONT
STYLE="white-space:nowrap">after-tax</FONT> <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> net gains related to derivative accounting. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Beginning impact of derivative accounting on GAAP equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(235)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(289)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(34)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net impact of net
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gains (losses) under derivative accounting<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(394)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(75)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Ending impact of derivative accounting on GAAP equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(629)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(235)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(109)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&#8194;&#8202;Net impact of net mark-to-market gains (losses) under
derivative accounting is composed of the following:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0em; text-indent:0em; font-size:8pt; font-family:ARIAL">&#8194;&#8202;&nbsp;</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt"></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total <FONT STYLE="white-space:nowrap">pre-tax</FONT> net impact of derivative accounting recognized in net
income<SUP STYLE="font-size:85%; vertical-align:top">(a)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(247)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">27&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Tax impact of derivative accounting adjustment recognized in net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Change in <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT>
gains (losses) on derivatives, net of tax recognized in other comprehensive income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(209)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(70)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net impact of net
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> gains (losses) under derivative accounting</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(394)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">54&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;&nbsp;&nbsp;&nbsp;(75)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL"><SUP STYLE="font-size:85%; vertical-align:top">(a)</SUP>&#8194;&#8202;See &#147;Core Earnings derivative adjustments&#148; table
above.</P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0em; text-indent:0em; font-size:8pt; font-family:ARIAL">&#8194;&#8202;&nbsp;</P></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; font-size:10pt; font-family:ARIAL"><I>Hedging FFELP Loan Embedded Floor Income </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:11%; font-size:10pt; font-family:ARIAL">Net Floor premiums received on Floor Income Contracts that have not been amortized into Core Earnings as of the respective period-ends are presented in
the table below. These net premiums will be recognized in Core Earnings in future periods. As of March&nbsp;31, 2020, the remaining amortization term of the net floor premiums was approximately 3 years. Historically, we have sold Floor Income
Contracts on a periodic basis and depending upon market conditions and pricing, we may enter into additional Floor Income Contracts in the future. The balance of unamortized Floor Income Contracts will increase as we sell new contracts and decline
due to the amortization of existing contracts. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:11%; font-size:10pt; font-family:ARIAL">In addition to using Floor Income Contracts, we also use
<FONT STYLE="white-space:nowrap">pay-fixed</FONT> interest rate swaps to hedge the embedded Floor Income within FFELP Loans. These interest rate swaps qualify as GAAP hedges and are accounted for as cash flow hedges of variable rate debt. For GAAP,
gains and losses on these hedges are recorded in accumulated other comprehensive income. Hedged Floor Income from these cash flow hedges that has not been recognized into Core Earnings and GAAP as of the respective period-ends is presented in the
table below. This hedged Floor Income will be recognized in Core Earnings and GAAP in future periods and is presented net of tax. As of March&nbsp;31, 2020, the remaining hedged period is approximately 5 years. Historically, we have used <FONT
STYLE="white-space:nowrap">pay-fixed</FONT> interest rate swaps on a periodic basis to hedge embedded Floor Income and depending upon market conditions and pricing, we may enter into swaps in the future. The balance of unrecognized hedged Floor
Income will increase as we enter into new swaps and decline as revenue is recognized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unamortized net Floor premiums (net of tax)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(66)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(76)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(112)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unrecognized hedged Floor Income related to pay fixed interest rate swaps (net of tax)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(437)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(476)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(592)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total hedged Floor Income, net of tax<SUP STYLE="font-size:85%; vertical-align:top">(1)(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(503)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(552)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(704)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top" COLSPAN="12"> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&#8194;&#8202;$(658) million, $(717) million and $(914) million on a <FONT
STYLE="white-space:nowrap">pre-tax</FONT> basis as of March&nbsp;31, 2020, December&nbsp;30, 2019 and March&nbsp;31, 2019, respectively.</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.50em; text-indent:-1.50em; font-size:8pt; font-family:ARIAL"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&#8194;&#8202;Of the $503&nbsp;million as of March&nbsp;31, 2020,
approximately $144&nbsp;million, $163&nbsp;million and $105&nbsp;million will be recognized as part of Core Earnings net income in the remainder of 2020, 2021 and 2022, respectively.</P></TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0em; text-indent:0em; font-size:8pt; font-family:ARIAL">&#8194;&#8202;&nbsp;</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt"></P>
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0em; text-indent:0em; font-size:8pt; font-family:ARIAL">&#8194;&#8202;&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%" VALIGN="top" ALIGN="left"><B>(2)</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:ARIAL; " ALIGN="left"><B>Goodwill and Acquired Intangible Assets: </B>Our Core Earnings exclude goodwill and intangible asset impairment and
the amortization of acquired intangible assets. The following table summarizes the goodwill and acquired intangible asset adjustments. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="80%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:1pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Core Earnings goodwill and acquired intangible asset adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(5)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(6)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(7)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>2. Adjusted Tangible Equity Ratio </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">This measures the ratio of Navient&#146;s tangible equity to its tangible assets. We adjust this ratio to exclude the assets and equity associated with our FFELP Loan
portfolio because FFELP Loans are no longer originated and the FFELP portfolio bears a 3% maximum loss exposure under the terms of the federal guaranty. Management believes that excluding this portfolio from the ratio enhances its usefulness to
investors. Management uses this ratio, in addition to other metrics, for analysis and decision making related to capital allocation decisions. The Adjusted Tangible Equity Ratio is calculated as: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="69%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">GAAP equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,035&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,336&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3,430&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Less:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Goodwill and acquired intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">752&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">757&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">780&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Equity held for FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">312&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">323&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">350&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Adjusted tangible equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right"> 971&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,256&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,300&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Divided by:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">93,245&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">94,903&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">100,579&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Less:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Goodwill and acquired intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">752&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">757&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">780&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,492&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,575&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69,908&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Adjusted tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">30,001&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,571&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">29,891&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Adjusted Tangible Equity Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.2%</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.6%</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7%</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><B>3. Earnings before Interest, Taxes, Depreciation and Amortization Expense (&#147;EBITDA&#148;) </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">This measures the operating performance of the Business Processing segment and is used by management and equity investors to monitor operating performance and determine
the value of those businesses. EBITDA for the Business Processing segment is calculated as: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="76%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap">Pre-tax</FONT> income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">10&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Plus:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Depreciation and amortization expense<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">EBITDA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">11&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">14&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL">Divided by:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">57&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">59&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">EBITDA margin</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">There is no interest expense in this segment. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>FINANCIAL CONDITION</B></FONT></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">This section provides additional information regarding the credit quality and performance indicators related to our education loan
portfolio. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>PRIVATE EDUCATION LOANS PORTFOLIO PERFORMANCE</B></FONT></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><I>Private Education Loan Delinquencies and Forbearance </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="49%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>December&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD>
<TD HEIGHT="2" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7.5pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans <FONT STYLE="white-space:nowrap">in-school/grace/deferment</FONT><SUP
STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">603&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">629&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">784&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans in forbearance<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,583&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">604&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">575&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans in repayment and percentage of each status:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans current</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,466&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96.4%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,083&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.4%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,886&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.8%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans delinquent <FONT STYLE="white-space:nowrap">31-60&nbsp;days</FONT><SUP
STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">265&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">349&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">358&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans delinquent <FONT STYLE="white-space:nowrap">61-90&nbsp;days</FONT><SUP
STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">157&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.0&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">224&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.0&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans delinquent greater than 90&nbsp;days<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">347&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">439&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.0&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">559&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Total Private Education Loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,235&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,089&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,027&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Total Private Education Loans, gross</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,421&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,322&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,386&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Private Education Loan unamortized discount<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(617)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(724)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Total Private Education Loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,421&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,705&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,662&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Private Education Loan receivable for <FONT STYLE="white-space:nowrap">partially&nbsp;charged-off</FONT>
loans<SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">588&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">657&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Private Education Loan allowance for losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,083)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,048)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,178)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Private Education Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,338&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,245&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22,141&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Percentage of Private Education Loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">90.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.2%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Delinquencies as a percentage of Private Education Loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.6%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.2%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Loans in forbearance as a percentage of loans in repayment and forbearance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.9%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.5%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Cosigner rate<SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are
not yet required to make payments on the loans, e.g., residency periods for medical students or a grace period for bar exam preparation. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Loans for customers who have requested extension of grace period generally during employment transition or who have
temporarily ceased making full payments due to hardship or other factors such as disaster relief, including <FONT STYLE="white-space:nowrap">COVID-19</FONT> relief programs, consistent with established loan program servicing policies and procedures.
</P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">The period of delinquency is based on the number of days scheduled payments are contractually past due.
</P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(4)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">In connection with the adoption of CECL on January&nbsp;1, 2020: (1) the $550&nbsp;million discount as of March&nbsp;31,
2020, associated with the loans is now included as part of the respective loan balances for this disclosure and (2)&nbsp;the receivable for partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loans has been reclassified from the Private
Education Loan balance to the allowance for loan loss. Both of these changes are prospective in nature as prior balances are not restated under CECL. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(5)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Excluding Private Education Refinance Loans, which do not have a cosigner, the cosigner rate was 65% for first-quarter
2020, fourth-quarter 2019 and first-quarter 2019. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.50em; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>ALLOWANCE FOR LOAN LOSSES</B></FONT></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">On January&nbsp;1, 2020, we adopted ASU <FONT STYLE="white-space:nowrap">No.&nbsp;2016-13,</FONT> &#147;Financial Instruments &#151;
Credit Losses,&#148; which requires measurement and recognition of an allowance for loan loss that estimates the remaining current expected credit losses (&#147;CECL&#148;) for financial assets measured at amortized cost held at the reporting date.
Our prior allowance for loan loss was an incurred loss model. As a result, the new guidance results in an increase to our allowance for loan losses. The new standard impacts the allowance for loan losses related to our Private Education Loans and
FFELP Loans.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The standard was applied through a cumulative-effect adjustment to retained earnings (net of tax) as of January&nbsp;1, 2020, the effective date, for
the education loans on our balance sheet as of that date (except for the $70&nbsp;million purchased credit deteriorated portfolio where the related $43&nbsp;million allowance is recorded as an increase to the basis of the loans).&nbsp;Subsequently,
changes in the estimated remaining current expected credit losses, including estimated losses on newly originated education loans, will be recorded through provision (net income). This standard represents a significant change from prior GAAP and has
resulted in material changes to the Company&#146;s accounting for the allowance for loan losses. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Related to the adoption of CECL: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">We have determined that, for modeling current expected credit losses, we can reasonably estimate expected losses that
incorporate current and forecasted economic conditions over a three-year period.&nbsp;After this &#147;reasonable and supportable&#148; period, there is a <FONT STYLE="white-space:nowrap">two-year</FONT> reversion period to Navient&#146;s actual
long-term historical loss experience over a full economic life cycle.&nbsp;The model used to project losses utilizes key credit quality indicators of the loan portfolio and predicts how those attributes are expected to perform in connection with the
forecasted economic conditions.&nbsp;These losses are calculated on an undiscounted basis.&nbsp;We project losses at the loan level and make estimates regarding prepayments, recoveries on defaults and reasonably expected new Troubled Debt
Restructurings (&#147;TDRs&#148;). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Separately, as it relates to interest rate concessions granted as part of our private education loan modification program,
a discounted cash flow model is used to calculate the amount of interest forgiven for loans currently in the program.&nbsp;The present value of this interest rate concession is included in our CECL allowance for loan loss. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">Charge-offs include the discount or premium related to such defaulted loan. </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:ARIAL; font-size:10pt">CECL requires our expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans to be presented
within the allowance for loan loss whereas previously, we accounted for our receivable for partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loans ($588&nbsp;million as of December&nbsp;31, 2019) as part of our Private Education Loan
portfolio.&nbsp;This change is only a change in classification on the balance sheet and does not impact retained earnings at adoption of CECL or provision and net income post-adoption. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The total allowance for loan losses increased by $802&nbsp;million upon adoption on January&nbsp;1, 2020 (excluding the impact of the balance sheet reclassifications
related to the expected future recoveries&nbsp;and purchased credit deteriorated portfolio discussed above).&nbsp;This had a corresponding reduction to equity of $620&nbsp;million.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following table summarizes the transition adjustments made as of January&nbsp;1, 2020 in connection with adopting CECL: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="65%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Private<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Education&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>FFELP</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as of December&nbsp;31, 2019 (prior to CECL)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,048&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">64&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,112&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Transition adjustments made under CECL on January&nbsp;1, 2020:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Current expected credit losses on <FONT STYLE="white-space:nowrap">non-Purchased</FONT> Credit Deteriorated
(&#147;PCD&#148;) portfolio<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">542&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">802&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Current expected credit losses on PCD
portfolio<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.67em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Reclassification of the expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT>
loans<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(588)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(588)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Net increase to allowance for loan losses under CECL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">260&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">257&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as of January&nbsp;1, 2020 after CECL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,045&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">324&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,369&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Recorded net of tax through retained earnings. Resulted in a $620&nbsp;million reduction to equity. </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Recorded as an increase in basis of the loans. No impact to equity. </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Reclassification of the expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans
(previously referred to as the receivable for partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loans) from the Private Education Loan balance to the allowance for loan losses. No impact to equity. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following table summarizes the activity of the allowance for loan losses during first-quarter 2020:</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="69%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTER&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>March&nbsp;31, 2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Private<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Education&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>Loans</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>FFELP</B><br><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance at beginning of period (as of January&nbsp;1, 2020)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,045&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">324&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,369&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(68)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(19)&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(87)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Decrease in expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans<SUP
STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,083&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">311&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,394&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Plus: expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans<SUP
STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">571&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">571&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance at end of period excluding expected future recoveries on
<FONT STYLE="white-space:nowrap">charged-off</FONT> loans<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,654&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right"> 311&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,965&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs as a percentage of average loans in repayment (annualized)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.27%</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance coverage of charge-offs (annualized)
<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.0&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as a percentage of the ending total loan
balance<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.1%</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.5%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as a percentage of ending loans in
repayment<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.8%</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">.6%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending total loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">23,421&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">62,803&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">21,601&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">52,460&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">21,235&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">50,514&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Charge-offs are reported net of expected recoveries. At the time of <FONT STYLE="white-space:nowrap">charge-off,</FONT>
the expected recovery amount is transferred from the education loan balance to the allowance for loan losses and is referred to as the &#147;expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans.&#148;
</P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">At the end of each month, for loans that are 212 or more days past due, we charge off the estimated loss of a defaulted
loan balance. Actual recoveries are applied against the remaining loan balance that was not charged off. We refer to this as the &#147;expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans.&#148; If actual periodic
recoveries are less than expected, the difference is immediately charged off through the allowance for Private Education Loan losses with an offsetting reduction in the expected future recoveries on
<FONT STYLE="white-space:nowrap">charged-off</FONT> loans. If actual periodic recoveries are greater than expected, they will be reflected as a recovery through the allowance for Private Education Loan losses once the cumulative recovery amount
exceeds the cumulative amount originally expected to be recovered. The following table summarizes the activity in the expected future recoveries on <FONT STYLE="white-space:nowrap">charged-off</FONT> loans: </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Beginning of period expected recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">588&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">603&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">674&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Expected future recoveries of current period defaults</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(28)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(34)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">End of period expected recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">571&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">588&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">657&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Change in balance during period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(17)</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(15)</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">(17)</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">The allowance used for these metrics excludes the expected future recoveries on
<FONT STYLE="white-space:nowrap">charged-off</FONT> loans to better reflect the current expected credit losses remaining in the portfolio. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following table summarizes the activity in the Private Education Loan allowance for loan losses for the prior
periods presented: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="76%"></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars in millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance at beginning of period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,101&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,201&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Provision for Private Education Loan losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Purchased <FONT STYLE="white-space:nowrap">Non-Credit</FONT> Impaired Loans, acquired at a discount</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:2.00em; text-indent:-1.00em; font-size:9pt; font-family:ARIAL">Remaining loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Total charge-offs<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(97)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(94)&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Reclassification of interest reserve<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,048&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,178&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs as a percentage of average loans in repayment (annualized)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance coverage of charge-offs (annualized)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.7&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.1&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as a percentage of the ending total loan balance</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.9%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Allowance as a percentage of ending loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.7%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.3%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending total loans<SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">23,910&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">24,043&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Average loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">21,977&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,061&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Ending loans in repayment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,089&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">22,027&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Charge-offs are reported net of expected recoveries. The expected recovery amount is transferred to the receivable for
partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loan balance. Charge-offs include charge-offs against the receivable for partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loans which represents the difference between what
was expected to be collected and any shortfalls in what was actually collected in the period. The table below summarizes the activity in the receivable for partially <FONT STYLE="white-space:nowrap">charged-off</FONT> loans: </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="76%"></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B><br><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Receivable at beginning of period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">603&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">674&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Expected future recoveries of current period defaults</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(29)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(34)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:9pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.33em; text-indent:-1.33em; font-size:9pt; font-family:ARIAL">Receivable at end of period</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">588&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">657&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Represents the additional allowance related to the amount of uncollectible interest reserved within interest income that
is transferred in the period to the allowance for loan losses when interest is capitalized to a loan&#146;s principal balance. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(3)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">Ending total loans represents gross Private Education Loans, plus the receivable for partially <FONT
STYLE="white-space:nowrap">charged-off</FONT> loans. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center" BGCOLOR="#77256c">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#FFFFFF"><B>&nbsp;&nbsp;LIQUIDITY AND CAPITAL RESOURCES</B></FONT></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We expect to fund our ongoing liquidity needs, including the repayment of $1.1&nbsp;billion of senior unsecured notes that mature in the
next twelve months, primarily through our current cash, investments and unencumbered FFELP Loan and Private Education Refinance Loan portfolios, the predictable operating cash flows provided by operating activities, the repayment of principal on
unencumbered education loan assets, and the distribution of overcollateralization from our securitization trusts. We may also, depending on market conditions and availability, draw down on our secured FFELP Loan and Private Education Loan
facilities, issue term asset-backed securities (&#147;ABS&#148;), enter into additional Private Education Loan ABS repurchase facilities, or issue additional unsecured debt. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">We originate Private Education Loans. We also have purchased and may purchase, in future periods, Private Education Loan and FFELP Loan portfolios from third parties.
Those originations and purchases are a part of our ongoing liquidity needs. We repurchased 23.0&nbsp;million shares of common stock for $335&nbsp;million in the first quarter of 2020 and have $665&nbsp;million of remaining share repurchase authority
as of March&nbsp;31, 2020. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR BGCOLOR="#77256c" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><FONT COLOR="#ffffff"><B><FONT COLOR="#ffffff">&nbsp;&nbsp;SOURCES OF LIQUIDITY
AND AVAILABLE CAPACITY</FONT></B></FONT></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><I>Ending Balances </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="91%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL"><B>Sources&nbsp;of&nbsp;primary&nbsp;liquidity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total unrestricted cash and liquid investments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,084&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,233&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,206&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unencumbered FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">209&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">319&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">465&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unencumbered Private Education Refinance Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">427&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">414&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">837&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total GAAP and Core Earnings basis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,720&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,966&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,508&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL"><I>Average Balances </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center"><B>QUARTERS&nbsp;ENDED</B></P>
<P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;millions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:ARIAL"><B>Sources&nbsp;of&nbsp;primary&nbsp;liquidity:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total unrestricted cash and liquid investments</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,151&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1,463&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">992&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unencumbered FFELP Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">336&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">311&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">638&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Unencumbered Private Education Refinance Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">694&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">587&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">635&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total GAAP and Core Earnings basis</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,181&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,361&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2,265&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Liquidity may also be available under secured credit facilities to the extent we have eligible collateral and capacity available.
Maximum borrowing capacity under the FFELP Loan asset-backed commercial paper (&#147;ABCP&#148;) facilities will vary and be subject to each agreement&#146;s borrowing conditions, including, among others, facility size, current usage and
availability of qualifying collateral from unencumbered FFELP Loans. As of March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, the maximum additional capacity under these facilities was $768&nbsp;million, $867&nbsp;million and
$1.3&nbsp;billion, respectively. For the three months ended March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, the average maximum additional capacity under these facilities was $852&nbsp;million, $1.5&nbsp;billion and
$1.1&nbsp;billion, respectively. As of March&nbsp;31, 2020, the maturity dates of these facilities ranged from November 2020 to April 2021. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">Liquidity may also be
available from our Private Education Loan ABCP facilities. Maximum borrowing capacity under these facilities will vary and be subject to each agreement&#146;s borrowing conditions, including, among others, facility size, current usage and
availability of qualifying collateral from unencumbered Private Education Loans. As of March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, the maximum additional capacity under these facilities was $539&nbsp;million,
$384&nbsp;million and $1.3&nbsp;billion, respectively. For the three months ended March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, the average maximum additional capacity under these facilities was $886&nbsp;million,
$514&nbsp;million and $956&nbsp;million, respectively. As of March&nbsp;31, 2020, the maturity dates of these facilities ranged from June 2020 to December 2021. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">At March&nbsp;31, 2020, we had a total of $5.6&nbsp;billion of unencumbered tangible assets inclusive of those listed
in the table above as sources of primary liquidity. Total unencumbered education loans comprised $2.7&nbsp;billion of our unencumbered tangible assets of which $2.5&nbsp;billion and $209&nbsp;million related to Private Education Loans and FFELP
Loans, respectively. In addition, as of March&nbsp;31, 2020, we had $6.6&nbsp;billion of encumbered net assets (i.e., overcollateralization) in our various financing facilities (consolidated variable interest entities). Since the fourth quarter of
2015, we have closed on $4.3&nbsp;billion of Private Education Loan ABS Repurchase Facilities. These repurchase facilities are collateralized by Residual Interests in previously issued Private Education Loan ABS trusts. These are examples of how we
can effectively finance previously encumbered assets to generate additional liquidity in addition to the unencumbered assets we traditionally have encumbered in the past. Additionally, these repurchase facilities had a cost of funds lower than that
of a new unsecured debt issuance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">For further discussion of our various sources of liquidity, our access to the ABS market, our asset-backed financing facilities,
and our issuance of unsecured debt, see &#147;Note 6&nbsp;&#151;&nbsp;Borrowings&#148; in our Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:ARIAL">The following table reconciles encumbered and unencumbered assets and their net impact on GAAP total tangible equity. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:ARIAL"><B>(Dollars&nbsp;in&nbsp;billions)</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;December&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;March&nbsp;31,&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net assets of consolidated variable interest entities <BR>(encumbered&nbsp;assets) &#151; FFELP
Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">4.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Net assets of consolidated variable interest entities <BR>(encumbered&nbsp;assets) &#151; Private Education
Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.5&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.1&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Tangible unencumbered assets<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Senior unsecured debt</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9.5)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9.5)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11.5)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Mark-to-market</FONT></FONT> on unsecured
hedged debt<SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.8)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.2)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.20em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Other liabilities, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.6)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.6)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(.4)</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00pt solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.60em; text-indent:-1.20em; font-size:10pt; font-family:ARIAL">Total tangible equity &#151; GAAP Basis<SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">1.3&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2.6&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;$</TD>
<TD VALIGN="bottom" ALIGN="right">2.7&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:14%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">At March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, excludes goodwill and acquired intangible assets,
net, of $752&nbsp;million, $757&nbsp;million and $780&nbsp;million, respectively. </P></TD></TR></TABLE> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">(2)</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:ARIAL; " ALIGN="left">At March&nbsp;31, 2020, December&nbsp;31, 2019 and March&nbsp;31, 2019, there were $743&nbsp;million, $332&nbsp;million
and $155&nbsp;million, respectively, of net gains (losses) on derivatives hedging this debt in unencumbered assets, which partially offset these gains (losses). </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:arial" ALIGN="right">25 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>navi-20200421.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 4/21/2020 11:53:43 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:navi="http://www.navient.com/20200421"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.navient.com/20200421"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd" namespace="http://fasb.org/us-gaap/2019-01-31" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd" namespace="http://fasb.org/us-types/2019-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="navi-20200421_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="navi-20200421_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="navi-20200421_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="navi_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="navi_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="navi_CommonStockParValuePointZeroOnePerShareMember" name="CommonStockParValuePointZeroOnePerShareMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>navi-20200421_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 4/21/2020 11:53:51 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="navi-20200421.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="navi-20200421.xsd#navi_CommonStockParValuePointZeroOnePerShareMember" xlink:type="locator" xlink:label="navi_CommonStockParValuePointZeroOnePerShareMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeniorNotesMember" xlink:type="locator" xlink:label="us-gaap_SeniorNotesMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="navi_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="navi_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="navi_CommonStockParValuePointZeroOnePerShareMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeniorNotesMember" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="27.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="33.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="34.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="35.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="51.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>navi-20200421_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 4/21/2020 11:53:43 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationTable" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_DocumentAndEntityInformationTable" xlink:to="navi_DocumentAndEntityInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="navi_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Table]</link:label>
    <link:label xml:lang="en-US" xlink:label="navi_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationLineItems" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="navi_DocumentAndEntityInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="navi_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document And Entity Information [Line Items]</link:label>
    <link:label xml:lang="en-US" xlink:label="navi_DocumentAndEntityInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Axis]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class of Stock [Domain]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="navi-20200421.xsd#navi_CommonStockParValuePointZeroOnePerShareMember" xlink:type="locator" xlink:label="navi_CommonStockParValuePointZeroOnePerShareMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="navi_CommonStockParValuePointZeroOnePerShareMember" xlink:to="navi_CommonStockParValuePointZeroOnePerShareMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="navi_CommonStockParValuePointZeroOnePerShareMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock Par Value Point Zero One Per Share [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="navi_CommonStockParValuePointZeroOnePerShareMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock Par Value Point Zero One Per Share [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeniorNotesMember" xlink:type="locator" xlink:label="us-gaap_SeniorNotesMember" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeniorNotesMember" xlink:to="us-gaap_SeniorNotesMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeniorNotesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Senior Notes [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="us-gaap_SeniorNotesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Senior Notes [Member]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>navi-20200421_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 4/21/2020 11:53:47 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="navi-20200421.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationTable" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="navi_DocumentAndEntityInformationTable" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="navi-20200421.xsd#navi_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="navi_DocumentAndEntityInformationLineItems" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationTable" xlink:to="navi_DocumentAndEntityInformationLineItems" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="navi-20200421.xsd#navi_CommonStockParValuePointZeroOnePerShareMember" xlink:type="locator" xlink:label="navi_CommonStockParValuePointZeroOnePerShareMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="navi_CommonStockParValuePointZeroOnePerShareMember" order="24" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeniorNotesMember" xlink:type="locator" xlink:label="us-gaap_SeniorNotesMember" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeniorNotesMember" order="25" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="46.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="47.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="48.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="49.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="50.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="navi_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="51.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g912276g01t77.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g912276g01t77.jpg
M_]C_X  02D9)1@ ! 0$#P /   #_[15X4&AO=&]S:&]P(#,N,  X0DE-! 0
M      \< 5H  QLE1QP"   "    .$))300E       0S<_Z?:C'O@D%<':N
MKP7#3CA"24T$.@     !.P   !     !       +<')I;G1/=71P=70    %
M     %!S=%-B;V]L 0    !);G1E96YU;0    !);G1E     $-L<FT    /
M<')I;G13:7AT965N0FET8F]O;      +<')I;G1E<DYA;65415A4    + !8
M &4 <@!O '@ ( !7 &\ <@!K $, 90!N '0 <@!E "  -P X #, -0 @ "(
M8P!R &\ ;0!W &4 ; !L "X =0!S &$ +0!E &0 +@!N &4 =  B       /
M<')I;G10<F]O9E-E='5P3V)J8P    P 4 !R &\ ;P!F "  4P!E '0 =0!P
M       *<')O;V93971U<     $     0FQT;F5N=6T    ,8G5I;'1I;E!R
M;V]F    "7!R;V]F0TU92P X0DE-!#L      BT    0     0      $G!R
M:6YT3W5T<'5T3W!T:6]N<P   !<     0W!T;F)O;VP      $-L8G)B;V]L
M      !29W--8F]O;       0W)N0V)O;VP      $-N=$-B;V]L      !,
M8FQS8F]O;       3F=T=F)O;VP      $5M;$1B;V]L      !);G1R8F]O
M;       0F-K9T]B:F,    !        4D="0P    ,     4F0@(&1O=6)
M;^            !'<FX@9&]U8D!OX            $)L("!D;W5B0&_@
M        0G)D5%5N=$8C4FQT                0FQD(%5N=$8C4FQT
M            4G-L=%5N=$8C4'AL0'+            *=F5C=&]R1&%T86)O
M;VP!     %!G4'-E;G5M     %!G4',     4&=00P    !,969T56YT1B-2
M;'0               !4;W @56YT1B-2;'0               !38VP@56YT
M1B-0<F- 60           !!C<F]P5VAE;E!R:6YT:6YG8F]O;      .8W)O
M<%)E8W1";W1T;VUL;VYG          QC<F]P4F5C=$QE9G1L;VYG
M  UC<F]P4F5C=%)I9VAT;&]N9P         +8W)O<%)E8W14;W!L;VYG
M   X0DE- ^T      ! #P     $  0/      0 !.$))300F       .
M         #^    X0DE- _(       H  /_______P  .$))300-       $
M    6CA"24T$&0      !    !XX0DE- _,       D           $ .$))
M32<0       *  $          3A"24T#]0      2  O9F8  0!L9F8 !@
M     0 O9F8  0"AF9H !@       0 R     0!:    !@       0 U
M 0 M    !@       3A"24T#^       <   ________________________
M_____P/H     /____________________________\#Z     #_________
M____________________ ^@     _____________________________P/H
M   X0DE-! @      !     !   "0    D      .$))300>       $
M #A"24T$&@     #-0    8              &\   *8          $
M                     0             "F    &\
M     0                         0     0       &YU;&P    "
M!F)O=6YD<T]B:F,    !        4F-T,0    0     5&]P(&QO;F<
M     $QE9G1L;VYG          !"=&]M;&]N9P   &\     4F=H=&QO;F<
M  *8    !G-L:6-E<U9L3',    !3V)J8P    $       5S;&EC90   !(
M   '<VQI8V5)1&QO;F<         !V=R;W5P241L;VYG          9O<FEG
M:6YE;G5M    #$53;&EC94]R:6=I;@    UA=71O1V5N97)A=&5D     %1Y
M<&5E;G5M    "D53;&EC951Y<&4     26UG(     9B;W5N9'-/8FIC
M 0       %)C=#$    $     %1O<"!L;VYG          !,969T;&]N9P
M        0G1O;6QO;F<   !O     %)G:'1L;VYG   "F     -U<FQ415A4
M     0       &YU;&Q415A4     0       $US9V5415A4     0
M!F%L=%1A9U1%6%0    !       .8V5L;%1E>'1)<TA434QB;V]L 0    AC
M96QL5&5X=%1%6%0    !       ):&]R>D%L:6=N96YU;0    ]%4VQI8V5(
M;W)Z06QI9VX    '9&5F875L=     EV97)T06QI9VYE;G5M    #T53;&EC
M959E<G1!;&EG;@    =D969A=6QT    "V)G0V]L;W)4>7!E96YU;0   !%%
M4VQI8V5"1T-O;&]R5'EP90    !.;VYE    "71O<$]U='-E=&QO;F<
M    "FQE9G1/=71S971L;VYG          QB;W1T;VU/=71S971L;VYG
M      MR:6=H=$]U='-E=&QO;F<      #A"24T$*       #     (_\
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M# P,# P,# P,# P,# P,_\  $0@ &P"@ P$B  (1 0,1 ?_=  0 "O_$ 3\
M  $% 0$! 0$!          ,  0($!08'" D*"P$  04! 0$! 0$
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MC0YY_/Q'V5V_\-CKT1<#_C.P;\6WIWUFP]+\*QM5A^#O7Q'._P"#];U*7_\
MAE=%U?ZRX^+]57]>QB"+J&OQ 8ULN ;CL<W^18_]*W^18FS'%PR'Z7I/]X(.
MM'N\MEVW_6C_ !AMP:K7CIO2)]=K'.:UWHN!OW-#F[O5S'58G_$T+0_QKVVU
M?5W&=4]U;CF-!+'%ICT<GNPA$_Q8]%=@]$=U&\$Y'4W"S<Z=WHMD4;I_TVZW
M)_Z^@_XV_P#Q.8W_ (<;_P"><I.!'NQB-H^G^*?T@.ST_3ZCD= QJ2]S3=B,
M8; 9<"ZL-WS^]JL[_FD[_P LLG_._P!JO8EM]'U:INQJ_6R*L)KZ:OWWMJ#J
MZ]/WW^U<\/K3]=X_\3Y_Z:.'W?5[<HQ%Z\1@/^FUL^/%(CW(F1&U<?\ W#I_
M\TW?^663_G?[5LX&+]CQ*\8V.N],$>H_Z1DEWN^]<G_SH^N__E ?^FNGZ/E9
MN7TVC(S\?[)E6 FVC7VD.<UOTO=] ;DL_O<(]R49"_T3 Z_X",./#&1..)B:
MZ\?_ ';Y'TKZQ=4Z)UJ_J5;[;\1F2^C+I<XN:YKWVO96-[MM=^VFU^,__@O3
M_F_47L6%FXN?B59N'8+L>]H?78W@@_'W-=^^QWT%YS]0NG8O5;_K-T_,:7X^
M0YC7@&""+<MS+&?\)4\>I6[]]/\ 5WJ>7]2NOV?5SJ]@/3<A^ZC(<-K6EYVU
M9;?W*,C^;RV?0Q\C])_IK+%EB)$@?-$#_"BVI"]MPVOKI=<SZ^] 8RQ[6.=C
M;F-<X-,Y/YS&G:Y=!]9_JD_ZP9&/<WJ%V#]G8YFRH2';BUVYWO9]'8N=^NW_
M (O_ *O_ -;&_P#;E>B)DB8C&1O2#H ^0?6[ZNY'U;LP6,ZGDY7VTV!Q<YS-
MNPTM]NVP[MWKKI/_ !K[?_+W+^X_^E56_P ;/](Z)_6O_P"JQ%Z(G2R2$(&]
M3=Z),C0?_]#4_P 5'\YUK_C*?_1ZWOKK]5*OK#TT^D .HXP+L5YT#I_G,:W_
M (*Z/^M6_I/Z^7_BU^Q[^K?9O0^G5O\ 0^T_\-'J?M'_ -$+MU-+B]WTCU:?
MDN-\6CXUTGJ6=U#ZU]#_ &AO^UX3V8=KK-+#Z3[B/7W>[UZ_5]&[=]/T]Z[C
M_&9UC]G_ %==BUNB_J+O0 '/I ;\H_VJ_P!7_P#0A8_4?L7_ (X]._[%]H]>
MF-GVOUOH#;ZWI?Y/^U?U_P# >CZJM_7S['_SAZ+ZWH>KN'I_;/M/I?SM,>G]
MD_5/I?TG[3_W6]3]$G2(XX$BM-O%)W&C7P_\5MQQ*76]5OQK7,:ZVBL>UCW
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M;+Y(7_64=A]7_]DX0DE-!"$      %4    ! 0    \ 00!D &\ 8@!E "
M4 !H &\ = !O ', : !O '     3 $$ 9 !O &( 90 @ %  : !O '0 ;P!S
M &@ ;P!P "  0P!3 #8    ! #A"24T$(@     !?DU- "H    (  P!   #
M     0L:   ! 0 #     0$?   ! @ #     P   )X!!@ #     0 "   !
M$@ #     0 !   !%0 #     0 #   !&@ %     0   *0!&P %     0
M *P!*  #     0 "   !,0 "    '@   +0!,@ "    %    -*':0 $
M 0   .@   $@  @ "  ( "W&P   )Q  +<;    G$$%D;V)E(%!H;W1O<VAO
M<"!#4S8@*%=I;F1O=W,I #(P,3@Z,#<Z,3<@,C(Z,3 Z,C$     !)    <
M   $,#(R,: !  ,    !__\  * "  0    !   "F* #  0    !    ;P
M       & 0,  P    $ !@   1H !0    $   %N 1L !0    $   %V 2@
M P    $  @   @$ !     $   %^ @( !     $              $@    !
M    2     $X0DE- _T       @          /_A 8!-30 J    "  , 0
M P    $+&@   0$  P    $!'P   0(  P    ,   "> 08  P    $  @
M 1(  P    $      14  P    $  P   1H !0    $   "D 1L !0    $
M  "L 2@  P    $  @   3$  @   !X   "T 3(  @   !0   #2AVD !
M  $   #H   !(  (  @ "    \     !   #P     %!9&]B92!0:&]T;W-H
M;W @0U,V("A7:6YD;W=S*0 R,#$X.C W.C$W(#(R.C$P.C(Q      20   '
M    !# R,C&@ 0 #     ?__  "@ @ $     0   IB@ P $     0   &\
M        !@$#  ,    !  8   $:  4    !   !;@$;  4    !   !=@$H
M  ,    !  (   (!  0    !   !?@("  0    !              /
M 0   \     !_^%(_6AT=' Z+R]N<RYA9&]B92YC;VTO>&%P+S$N,"\ /#]X
M<&%C:V5T(&)E9VEN/2+ON[\B(&ED/2)7-4TP37!#96AI2'IR95-Z3E1C>FMC
M.60B/SX\>#IX;7!M971A('AM;&YS.G@](F%D;V)E.FYS.FUE=&$O(B!X.GAM
M<'1K/2)!9&]B92!835 @0V]R92 U+C,M8S Q,2 V-BXQ-#4V-C$L(#(P,3(O
M,#(O,#8M,30Z-38Z,C<@(" @(" @("(^"B @(#QR9&8Z4D1&('AM;&YS.G)D
M9CTB:'1T<#HO+W=W=RYW,RYO<F<O,3DY.2\P,B\R,BUR9&8M<WEN=&%X+6YS
M(R(^"B @(" @(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B;W5T/2(B"B @(" @
M(" @(" @('AM;&YS.GAM<#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87 O,2XP
M+R(^"B @(" @(" @(#QX;7 Z0W)E871O<E1O;VP^061O8F4@4&AO=&]S:&]P
M($-#(#(P,3@@*$UA8VEN=&]S:"D\+WAM<#I#<F5A=&]R5&]O;#X*(" @(" @
M(" @/'AM<#I#<F5A=&5$871E/C(P,3@M,#<M,#)4,3,Z,34Z,S@M,#0Z,# \
M+WAM<#I#<F5A=&5$871E/@H@(" @(" @(" \>&UP.DUE=&%D871A1&%T93XR
M,#$X+3 W+3$W5#(R.C$P.C(Q*S U.C,P/"]X;7 Z365T861A=&%$871E/@H@
M(" @(" @(" \>&UP.DUO9&EF>41A=&4^,C Q."TP-RTQ-U0R,CHQ,#HR,2LP
M-3HS,#PO>&UP.DUO9&EF>41A=&4^"B @(" @(#PO<F1F.D1E<V-R:7!T:6]N
M/@H@(" @(" \<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@(" @(" @
M(" @("!X;6QN<SID8STB:'1T<#HO+W!U<FPN;W)G+V1C+V5L96UE;G1S+S$N
M,2\B/@H@(" @(" @(" \9&,Z9F]R;6%T/FEM86=E+V5P<V8\+V1C.F9O<FUA
M=#X*(" @(" @/"]R9&8Z1&5S8W)I<'1I;VX^"B @(" @(#QR9&8Z1&5S8W)I
M<'1I;VX@<F1F.F%B;W5T/2(B"B @(" @(" @(" @('AM;&YS.GAM<$U-/2)H
M='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O;6TO(@H@(" @(" @(" @("!X
M;6QN<SIS=$5V=#TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87 O,2XP+W-4>7!E
M+U)E<V]U<F-E179E;G0C(@H@(" @(" @(" @("!X;6QN<SIS=%)E9CTB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]X87 O,2XP+W-4>7!E+U)E<V]U<F-E4F5F(R(^
M"B @(" @(" @(#QX;7!-33I);G-T86YC94E$/GAM<"YI:60Z.#(W1#8P-S%$
M0C@Y13@Q,4$W13@Y,#DY-3@W.#0U,T,\+WAM<$U-.DEN<W1A;F-E240^"B @
M(" @(" @(#QX;7!-33I$;V-U;65N=$E$/GAM<"YD:60Z-T8W1#8P-S%$0C@Y
M13@Q,4$W13@Y,#DY-3@W.#0U,T,\+WAM<$U-.D1O8W5M96YT240^"B @(" @
M(" @(#QX;7!-33I/<FEG:6YA;$1O8W5M96YT240^>&UP+F1I9#HU-38X935F
M-RUD,3DS+31E-S4M8C R,BTP,&)F-&5E,39A8C \+WAM<$U-.D]R:6=I;F%L
M1&]C=6UE;G1)1#X*(" @(" @(" @/'AM<$U-.DAI<W1O<GD^"B @(" @(" @
M(" @(#QR9&8Z4V5Q/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S
M951Y<&4](E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T179T.F%C
M=&EO;CYC<F5A=&5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @(" @
M(#QS=$5V=#II;G-T86YC94E$/GAM<"YI:60Z-34V.&4U9C<M9#$Y,RTT93<U
M+6(P,C(M,#!B9C1E93$V86(P/"]S=$5V=#II;G-T86YC94E$/@H@(" @(" @
M(" @(" @(" @(" \<W1%=G0Z=VAE;CXR,#$X+3 W+3 R5#$S.C$U.C,X+3 T
M.C P/"]S=$5V=#IW:&5N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z<V]F
M='=A<F5!9V5N=#Y!9&]B92!0:&]T;W-H;W @0T,@,C Q." H36%C:6YT;W-H
M*3PO<W1%=G0Z<V]F='=A<F5!9V5N=#X*(" @(" @(" @(" @(" @/"]R9&8Z
M;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S
M;W5R8V4B/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/G-A=F5D
M/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V=#II;G-T
M86YC94E$/GAM<"YI:60Z8V8T-#0Q,#,M-V8S9"TT,S)A+6%B,30M,S$T9CAA
M8S4R9#0W/"]S=$5V=#II;G-T86YC94E$/@H@(" @(" @(" @(" @(" @(" \
M<W1%=G0Z=VAE;CXR,#$X+3 W+3 R5#$S.C$U.C4V+3 T.C P/"]S=$5V=#IW
M:&5N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z<V]F='=A<F5!9V5N=#Y!
M9&]B92!0:&]T;W-H;W @0T,@,C Q." H36%C:6YT;W-H*3PO<W1%=G0Z<V]F
M='=A<F5!9V5N=#X*(" @(" @(" @(" @(" @(" @/'-T179T.F-H86YG960^
M+SPO<W1%=G0Z8VAA;F=E9#X*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @
M(" @(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B
M/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/F-O;G9E<G1E9#PO
M<W1%=G0Z86-T:6]N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z<&%R86UE
M=&5R<SYF<F]M(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP:&]T;W-H;W @=&\@
M:6UA9V4O:G!E9SPO<W1%=G0Z<&%R86UE=&5R<SX*(" @(" @(" @(" @(" @
M/"]R9&8Z;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP
M93TB4F5S;W5R8V4B/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N
M/F1E<FEV960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.G!A<F%M971E<G,^8V]N=F5R=&5D(&9R;VT@87!P;&EC871I;VXO=FYD
M+F%D;V)E+G!H;W1O<VAO<"!T;R!I;6%G92]J<&5G/"]S=$5V=#IP87)A;65T
M97)S/@H@(" @(" @(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @
M/')D9CIL:2!R9&8Z<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @
M(" @(" @(#QS=$5V=#IA8W1I;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @
M(" @(" @(" @(" @(" @/'-T179T.FEN<W1A;F-E240^>&UP+FEI9#ID,&8T
M,&0W9BTT8S8S+31A,S0M.#8U,RTX,SDU.# U9#DT8F,\+W-T179T.FEN<W1A
M;F-E240^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P,3@M,#<M
M,#)4,3,Z,34Z-38M,#0Z,# \+W-T179T.G=H96X^"B @(" @(" @(" @(" @
M(" @(#QS=$5V=#IS;V9T=V%R94%G96YT/D%D;V)E(%!H;W1O<VAO<"!#0R R
M,#$X("A-86-I;G1O<V@I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @
M(" @(" @(" @(" \<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@
M(" @(" @(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL
M:2!R9&8Z<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @
M(#QS=$5V=#IA8W1I;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @
M(" @(" @(" @/'-T179T.FEN<W1A;F-E240^>&UP+FEI9#HW13=$-C W,41"
M.#E%.#$Q03=%.#DP.3DU.#<X-#4S0SPO<W1%=G0Z:6YS=&%N8V5)1#X*(" @
M(" @(" @(" @(" @(" @/'-T179T.G=H96X^,C Q."TP-RTQ-U0R,CHQ,#HP
M.2LP-3HS,#PO<W1%=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T179T
M.G-O9G1W87)E06=E;G0^061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD\
M+W-T179T.G-O9G1W87)E06=E;G0^"B @(" @(" @(" @(" @(" @(#QS=$5V
M=#IC:&%N9V5D/B\\+W-T179T.F-H86YG960^"B @(" @(" @(" @(" @(#PO
M<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4]
M(E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYC
M;VYV97)T960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.G!A<F%M971E<G,^9G)O;2!I;6%G92]J<&5G('1O(&%P<&QI8V%T:6]N
M+W9N9"YA9&]B92YP:&]T;W-H;W \+W-T179T.G!A<F%M971E<G,^"B @(" @
M(" @(" @(" @(#PO<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D
M9CIP87)S951Y<&4](E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.F%C=&EO;CYD97)I=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @
M(" @(" @(#QS=$5V=#IP87)A;65T97)S/F-O;G9E<G1E9"!F<F]M(&EM86=E
M+VIP96<@=&\@87!P;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<#PO<W1%
M=G0Z<&%R86UE=&5R<SX*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @(" @
M(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@
M(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/G-A=F5D/"]S=$5V=#IA
M8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V=#II;G-T86YC94E$/GAM
M<"YI:60Z-T8W1#8P-S%$0C@Y13@Q,4$W13@Y,#DY-3@W.#0U,T,\+W-T179T
M.FEN<W1A;F-E240^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P
M,3@M,#<M,3=4,C(Z,3 Z,#DK,#4Z,S \+W-T179T.G=H96X^"B @(" @(" @
M(" @(" @(" @(#QS=$5V=#IS;V9T=V%R94%G96YT/D%D;V)E(%!H;W1O<VAO
M<"!#4S8@*%=I;F1O=W,I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @
M(" @(" @(" @(" \<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@
M(" @(" @(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL
M:2!R9&8Z<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @
M(#QS=$5V=#IA8W1I;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @
M(" @(" @(" @/'-T179T.FEN<W1A;F-E240^>&UP+FEI9#HX,3=$-C W,41"
M.#E%.#$Q03=%.#DP.3DU.#<X-#4S0SPO<W1%=G0Z:6YS=&%N8V5)1#X*(" @
M(" @(" @(" @(" @(" @/'-T179T.G=H96X^,C Q."TP-RTQ-U0R,CHQ,#HR
M,2LP-3HS,#PO<W1%=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T179T
M.G-O9G1W87)E06=E;G0^061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD\
M+W-T179T.G-O9G1W87)E06=E;G0^"B @(" @(" @(" @(" @(" @(#QS=$5V
M=#IC:&%N9V5D/B\\+W-T179T.F-H86YG960^"B @(" @(" @(" @(" @(#PO
M<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4]
M(E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYC
M;VYV97)T960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.G!A<F%M971E<G,^9G)O;2!A<'!L:6-A=&EO;B]V;F0N861O8F4N<&AO
M=&]S:&]P('1O(&EM86=E+V5P<V8\+W-T179T.G!A<F%M971E<G,^"B @(" @
M(" @(" @(" @(#PO<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D
M9CIP87)S951Y<&4](E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.F%C=&EO;CYD97)I=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @
M(" @(" @(#QS=$5V=#IP87)A;65T97)S/F-O;G9E<G1E9"!F<F]M(&%P<&QI
M8V%T:6]N+W9N9"YA9&]B92YP:&]T;W-H;W @=&\@:6UA9V4O97!S9CPO<W1%
M=G0Z<&%R86UE=&5R<SX*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @(" @
M(" @(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@
M(" @(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/G-A=F5D/"]S=$5V=#IA
M8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V=#II;G-T86YC94E$/GAM
M<"YI:60Z.#(W1#8P-S%$0C@Y13@Q,4$W13@Y,#DY-3@W.#0U,T,\+W-T179T
M.FEN<W1A;F-E240^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P
M,3@M,#<M,3=4,C(Z,3 Z,C$K,#4Z,S \+W-T179T.G=H96X^"B @(" @(" @
M(" @(" @(" @(#QS=$5V=#IS;V9T=V%R94%G96YT/D%D;V)E(%!H;W1O<VAO
M<"!#4S8@*%=I;F1O=W,I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @
M(" @(" @(" @(" \<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@
M(" @(" @(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @/"]R9&8Z4V5Q
M/@H@(" @(" @(" \+WAM<$U-.DAI<W1O<GD^"B @(" @(" @(#QX;7!-33I$
M97)I=F5D1G)O;2!R9&8Z<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @
M(" @(#QS=%)E9CII;G-T86YC94E$/GAM<"YI:60Z.#$W1#8P-S%$0C@Y13@Q
M,4$W13@Y,#DY-3@W.#0U,T,\+W-T4F5F.FEN<W1A;F-E240^"B @(" @(" @
M(" @(#QS=%)E9CID;V-U;65N=$E$/GAM<"YD:60Z-T8W1#8P-S%$0C@Y13@Q
M,4$W13@Y,#DY-3@W.#0U,T,\+W-T4F5F.F1O8W5M96YT240^"B @(" @(" @
M(" @(#QS=%)E9CIO<FEG:6YA;$1O8W5M96YT240^>&UP+F1I9#HU-38X935F
M-RUD,3DS+31E-S4M8C R,BTP,&)F-&5E,39A8C \+W-T4F5F.F]R:6=I;F%L
M1&]C=6UE;G1)1#X*(" @(" @(" @/"]X;7!-33I$97)I=F5D1G)O;3X*(" @
M(" @/"]R9&8Z1&5S8W)I<'1I;VX^"B @(" @(#QR9&8Z1&5S8W)I<'1I;VX@
M<F1F.F%B;W5T/2(B"B @(" @(" @(" @('AM;&YS.G!H;W1O<VAO<#TB:'1T
M<#HO+VYS+F%D;V)E+F-O;2]P:&]T;W-H;W O,2XP+R(^"B @(" @(" @(#QP
M:&]T;W-H;W Z3&5G86-Y25!40T1I9V5S=#XP,# P,# P,# P,# P,# P,# P
M,# P,# P,# P,# P,3PO<&AO=&]S:&]P.DQE9V%C>4E05$-$:6=E<W0^"B @
M(" @(" @(#QP:&]T;W-H;W Z0V]L;W)-;V1E/C0\+W!H;W1O<VAO<#I#;VQO
M<DUO9&4^"B @(" @(#PO<F1F.D1E<V-R:7!T:6]N/@H@(" \+W)D9CI21$8^
M"CPO>#IX;7!M971A/@H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H\/WAP86-K970@96YD/2)W(C\^_]L 0P ! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M_]L 0P$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!_\  $0@ ) #5 P$1  (1 0,1 ?_$
M !P   ,!  ,! 0            @)"@< !@L%!/_$ $L0  $$ @$" P,## \)
M 0    0" P4& 0<(  D*$A,1%#EW>+<5%A<8&2$B6)>VP=8:-S@Z5E=U=I:8
ML;.UU=<C)"4H,6&!A^'P_\0 ' $  P$  P$!            !08'!  " P@!
M_\0 6Q$  @$"! ($!0P+"PD)     0(#!!$ !1(A!C$'$R)!%#9187$C,C5S
M='6!E;&RL[05%A<D-$)68I/2U!@E4E-458*1DL'3)C,W0W*4H='P)T1%EL+#
MQ-7Q_]H # ,!  (1 Q$ /P!;6A>XURBXF<K MTU[:.P+J)4KU.CS^O[C>K1,
MU*Z4\N7)&GJG) R4@>((D^/2K$9)LB+)@I1@"7"0MX!#2_J#,.'LLS;*WH9:
M:"'K84,<\,$22P3!08YE95!)5O7*3:1"T9(#7%*FRZFJZ%83&B,\*%)%4!E<
M("&OS.YW\H)QZ47&+DEJSEQHZ@[_ -.36)FD7Z(;/&0]EE$M RC.<CS=6L8;
M+SZ8^Q5R3;(BY8/U76TD,9?$?*!?%*?^;LSRVJRFNGH*Q-$\#Z21?1(AW26)
MB!JCD6S(; V-F 8,HG=13RTLTD$RZ9(VL>\'R%3WJ1N#C>^L&/'$0O%[:NT3
M_$JW2C'[*V ;2&N27+ %JFF7.QDU1L*/U_M=Z/#;KK\DN'0*"\.PZ$,@/#0K
MC++C"&UM(4FW9K2TR]&\,RT\"S'*\H8RB&,2ZFFHPS=8%U78$ZC>YN;X=*J*
M)>'(G$:!S!2DL% 8DLE]^9OO?%O741PEXZ)M'8]5T_K:_;7O$@B*IVMJ=8[S
M:)!S.,8%@JO$%S,FZG&<X\[ON@;J6&L>U;SRFVD84M:<9]Z6FEK*FGI(%U35
M,T<$2^5Y7"+Z!=A<]PN3MCO&C2R)&@NTC*BCSL0!\N(#NU_W0]K!]U^,VWN*
M\V![7W*_8%MU]<X*9L,F54JG]E2?',I7U$ ,*5#Q U/MS5.B_>F&&?<:LJ19
MSEMLE2LWOB?ABD/"KTE'!&)\JIX:B"1(U$LW@D1676P&MS-"96L22TND[D8>
M<SRJ$95HAC02TJ(^I5&M] M)J8#4VH7.YV] MCT(3P190 V-.;]8*1$)!,9\
MZV_5%+96.0WZC2D.(]1IQ:?.VM"T^WS(4E6,9Q\_*Q5E939E(93Y"#<'?;8X
M1 2""-B#<>D8AMX-;EW#VX>]S9>)VZMI[!M^L;M<9C1 ;E^NECGP<0VQ7HNU
M:$NHK$_(%BLRDB0NF0YQK.6_=1++/LY?7Z2FU7#/*.DXCX*CS6CI8(JF&%*_
MU"&-&UTVN*O@)C .A1U[A=[M%'L.>'.MABS#)8ZN&-%EB42OH !NETF!T\^1
M8#S#ERQ<[U#L)>/GRLK&P47)3<R<+&1$/'F2LK)&O('#CXV/'<+..+(<REM@
M405EU]]YQ24---K6K.$ISGKLB-(ZQHI=W9415%V9F("J -R22 !WG'Z 20 +
MDD  <R3L /3B';@?L'='=;[T=PW'G8.RX?COKJVG;I-IP-PM$;54:_UX5&U?
M3-,+@PI$:$]ZM4F+5Y*S1CPF6YL(6ZNO-D9R0K-OSV&CX5X,BHQ! U?40K1+
M*8HVD-14!I:V8.5+VB5IA$P-T)@ (VPY5T<.5Y-%#U:&IF41ZRH+!G[<K \Q
MI!(4]QM8\L4]]WB;FJWVU>8$[79B4@)N,U.23&S,)(%Q4K'D)G81.'P9$!X<
MP1["5*3AT=YM?E4I/F]BLXS,N$$23B7*$D19$:I(9'4,K#JI-F5@01Z1A;RM
M0V84:L 5-1&"#N"+\B,*[\,#>KQ?>)W(.2O5SMEUD ^1.00SK=8YBRFB!XUI
M1W_=!BIDTU]@7UWG7O=VG$,^JXXYY/.M2LL_2=!#!FF7+!#%"&R\L1%&D8)\
M)F4$A +D <SO;;D,%.)8TCJX1&BH# "0H %];>3#5N<W%C=O(\_6I6H=G1VO
M&:B':V)YL^Q6^!S+.S;U?<CEM8J\><DG 2(LU*LFY;4U[TG#&%8<=\IOHHZ0
M.%^"8<\CXBR*?.&S&7+WI&AHLNJ_!UI5K!.K>'S1&/K3/$1U6H-U9UV(6_R3
MT_=$?'72?4<+R\'<4TO#D>2P9Q'F"5.8YQ0>%O7OEK4KH,JIJ@2]0M).#UV@
MJ95ZN]WL!7W,#FC^,K7ORA[:_5_JN?=ZZ,OR)K?B7AWEYOOSN[O^./GG]R=T
MW<_NFY5_YBXOM\/[VVW[[#T''/N8'-+\92N^WY0]M?J_^C_QUS[O/1C<_P"1
M5=\3<._)X9;^JWIQ^_N3^FZP_P"TW*;\_&+C#_Z[_GZ,&?PEX@;]X[[!M5IV
MSMF+O\+-4UV C8P&T7:<<#E%S<1(I/<'LT:"&TA(@)(_K#K63[7THPCTEN9Q
M,.E+I(X1XSR?+Z#A[A^HRBJI<S6LGGFH,KI%D@%+4P&%7H)Y9&)DEC?2ZJG8
M)OJ O<>@CH6Z0NC3B/-\VXNXNHN(*"NR1LNIJ6FS3/*]XJMJZCJ14-'FE)3Q
M(JQ4\L8>-VDO)ITA2QQC7?WL]EI_:^WI/U&Q3M5G1+%I] DW6Y>0@Y<9!.V*
M@.2@>3BR!36$D#NNL/I:?3AUEQ;3F%(6I.9]P%%'-Q/0I+&DJ&.L)21%=212
M3$$JP(-CN-MCOCZ^R-5?,H%90RG7<-N#V<3,=C_O 6WC1NS["/)[8UCL_'_=
MLR ,U;[W8Y&<>U'L(C(\5%VAR9GSR'0Z---MCQ%S:<?P'$Y8C;,WD5J-FD2-
M*XVX1BS.B\.RVGCCS"BC8]5!&$\,IQ=VBT1J TZ&[PFUVN\6Y=-+)GF4+/#X
M12HJS0J=2(MNM0;V  ]>MR1Y0;8O\0M#B$.-K2XVXE*T+0K"D+0K&%)6A2<Y
M2I*DYQE*L9SC.,XSC/LZ@>$3 0]RZ6E8'M\<SYJ#DY"&F(OC9MTZ,EHDTF.D
MXXT:FRKHY@!X;K)898[J4N,$#NMO-.)2MM:58QGH[PPB2<0Y*DBJZ-F5(&1P
M&1@95N&5@00>\$$8W9: V8488!E-1$"I%P1J&UN_"1?"X[ OM_TQRO*OEXN%
MV*CMG:]8CR+?9IJRO@,/529<>8">FCC7!67G$)<=;84VAQ:4J4G*L8SATZ3X
M((*S*1!#%"&I:@L(HTC!(E0"^A1>W=?EW8,\3QQQSTHC14!A<D*H%SK[[8_?
MW!NS3W">4G+_ '#O?2G+ZJZRUC?"J<]6*/([1WA7C(-N!U]4ZM*)?AZE6)"O
M!Y.FX22DT8CRWDO-FH((R@MU]M'.'^,N'\KR>BH*S*9ZBJIUF$LR4M%(LA>H
MFF0AY9DD:R.BG4HL5L+@"_6@SBAI:2*":C:61-6IPL5CJ=F%M1OL"!OY,))[
M@W;C[AW;HTO7]W[7YENW2N6+9$-K,6*UYN/>9$VQ+S==M=D'/(19(JO XC6A
M*B<P\ILUPK!) F&QEM9><:<\@XCX?XBK9*&DR@PR1TSU1:HHZ(1E(Y(HBH,<
MDC:M4RZ;K:P.X-@367YC09A.8(Z+0PC:34Z1:;*5%NR2;]H8U/A]VB^Y3S.X
MYZXY*Z_YN1]9J&S!["1#P=QW-OYFR HKEMGJ>7B2:A("9C$J?/KY1(_NLD3C
M(CP^7<MO9<9;SYOQ=PYDN8U&6U&3R234QBUO!1T!B/6PQS+H+S1L;+(JFZ+N
M#:XM?RK,VR^CJ)*9Z$NT9 +*D6DW4-M<@]^"8QX>ONNX]O\ S]4?'_NODGG^
MVF=#ATA<*#GD52>7.BRW;T??&,_VP99WY?)_9@']YPO;L[\2M<<W^3W,_CAL
M]+@\+<N.>SC(*Q"#M$2E(N\/NK6!%3NT,AU3>%2$$<\O#XOK,(EX<N6@2GD@
M2Q>%'^,,VJ,DRO*<QIMWAS.E62,DA9X'HZL2P.1>RNH%C8E'5) -2#&W-JJ2
MCH\OJ(K:DEB[/<RF!@RGGL1MWV-CS&-K[='+/<79)YQWSA]RR29&:.MEL%A]
MAI2HHBOUB5-2.+3.0E(4\.AT^JS$2D%NR9$:8)D*JI#Q@CEBIXD-C!Q%E-%Q
MKDD&;Y5I:NBB+TQV$DB"YFRZHL2%E1]75WN$F]:PBF9SXYC30YU0I6TEC.B[
M 6U,!Z^%_P X'UE^^UNRU\7U '!2@(<G&&"R$;(BCG1YX+[101P1;*"!#!"F
M%+8)%)8<;>'?96MIYI:'&U*0K&<P5E*LRL"K*2K*P(964V96!W!!!!!W!%CA
M&(()!%B-B#L01S!&(4>*?[Y^N_\ WY.<O/H[V]G]'5SS7_1E#[UY1]8H\/%7
MXLP^>GI?G(?[L7<=0O"/B<+Q+O+#[#'"^"X^U^42+<N3]L;B)5AIW"3&=54-
MT*Q6\A/ESZK2)2PKIE><PI.&C8N2FQLJSA+B,T;HVRKPS.),PD2\.61:D)&Q
MJY]4<//GHC$T@[U=8SY,,'#M+UU;U[CU.F75?NZQMD'P#4?2!Y<),YZ=L@WC
MCV?^"V_0(0J)VQ3; 99=ZE"-NCR0K/([W.R54N8<;_"#*UX5 4:@-92MOTY*
M66K"E/.^WIUR+B49CQ=GF7M('I9(UBH0=U)RZ\4P3^$*CK)ZCSJGD P8H,R%
M5F];"QO#,ACA!(M:$%2!W'6"[>@<SWV"]M/E2QS-X3:'WP\4._:9RI-5W8S+
M+B%+#V32WW:O<L/LI]BA<2<M&.6  =U*%YB)B-?QC+3[:U2#B3*CDV=5U  1
M$DO64Q(MJII@)8;&YOH1NK8@^O1AS!&%/,*8T=9/3]R/=/.C#4OIV-O2#B=;
MQ1/%P^%E>/O.JBM/1TG'F#:8V#*Q:'&#0I./=D[IJ>SY(&]F6B!76+;#/RC^
M4N-NM50%I[VI';31.C'-%=,PR.>S*0:VG5K%61@L-7%8\P;PN%&Q!E-N9PP\
M,U(;PB@DW5U,J ^@+(O]6D_U_#2AP!Y.@<QN'FAN0PRV/JI>Z0&BXBL+;RF.
MV!7'GZQ? ,(;PGTFF;7$2JPD+0VM4>Z&_P"FE+J?;-\_RQLGSBOR\@Z()R82
M?QJ>4"6G;TF%TU<^T".["[74QI*N>G-[1R$*2+70[H?A4CEWX7+XACEY]K5P
M*L.NZ]))$V-RDD7M00;;)&&CQ*(H3$CM:<:9\R7'0\UO(U)*<;SYA2KY'$8^
M^C'3%T?93]DL^CJ9%U4^5KX6^W9,]RM(A/<>LO.!WB!A@AD%)X57HS#U.F'7
M-YV!M&OPMOZ%./C>'7X>?:W\&0-LV2-R'L?E3)#;,DLDBY8/ US&ME1FK(9Q
M:\86X,5%$2MY'5E*,X3>/04E7NR%Y[](>;_9'/#21-JILK0TRV-U:I>SU3^8
MJP2 ^T7[[8_<_K/"JYD4WCI@8EY6+W]4(M^=MOOV<&+WDOA@<SODA*_QZ#Z$
M<&^,^3^ZC]%)C'E7LE1>Z(_EPJ;PJO[D'D9\Y-7T7T/IIZ4_9;+?>X_6I\%N
M*/PR#W./GOBE.X;.UKKQ8#=_V%1Z,Y*I)7%MW"V0%97)(#RRDM8"9J0"48D5
M1(Z25#X<PQDAG#N4Y=1YI_197F>8B0Y?EU?7B(J)314E15"(OJT"0P1OH+Z6
MTZK:M+6O8X3:K,*"AT>&UU'1]9JZOPJIAI^LTVU:.N=-6FXU:;VN+\QCI?VR
MW'+^/_2?Y5:+_GW6W[6.)?R>SSXIK_V?&3[8,A_GO*/C*C_QL<^V6XY?Q_Z3
M_*K1/\^ZY]K'$OY/9Y\4U_[/CGVP9#_/>4?&5'_C8[94=LZKV :3&4/9FO[M
M(A"Y.,CZC<JY9#1 L/-CY,)$AI(U]@7#[S+&2'6T,^LZVWY_.XE.<E9E&;9<
MBRYAE>8T,;OU:25E%4TR.]BVA7FB16?2I;2"38$VL#C52YEEU<S)15]%6.BA
MG6EJH*AD4FP9EBD<JI.P) %]L*-\0S\*??G\Y-,>W\KU,_3TR='WC50>U5OU
M.;#+D/LG!_3^;B:G2G:\*YN=FFL[ZTY"J,Y*Z"V5ND42&!:6Z;MC5H\B'8I*
MB#L,MK=)M,$?(24[1&D84HTLZ<KWD<?G@'H^D5G$XR7C&2@K)+9;F%-1,78V
M6CJBK1+.23989%5$J#W!8Y-A&P9BFS+P#.I(I6^]JB.$O?E')ITK)N=A8!7[
MK6-A;#;/#U=U5S<52C^"?(.PN9V]KB&=:TA:)XK*3MA:_@V<^M09!\QS#Q-S
MUZ"U_P )3^$3,TD7*5LX+JDB;)JG2#PJ*25L]R^/[TJ'^_HD&U/4.=JA0!80
MU#'M]T<YYD3*$%Y_E@@?PVG7U"8WD"\DD;<,/S9.=_X5_*,.M[H?PYN;WS8M
MQ_F3+=)?"WC'DGOE2?2K@1E?LC1>Z8OG#")O"B_M(\N_E4UQ^:,WT\=*GX;E
M'N6I^ECP;XJ_"*3VE_GXK(ZE.%7$VGBD/A\ZO^=G0/HJW9U1NC#Q@J?>FH^M
MT.&'AGV1;W-+;^W%_=@T.PU\*#B;_)FT_IPV7T(X\\:\U]-)]1IL8\[]E*O_
M &T^BCPWOI0P*Q"1X:7XEW(SYOVU/IIU5U=NDGQ:H??*D^IUF';B'V,H_;(O
MH&^##^N]EVMP.?VC?KZUI$AL\IM-11QNNS$X9&>V)66\O'RVII8QQQEGVR+R
MG9*F&FK]&)L^5"J? B[#-E8G_!7%!R"MZBJ<_8JL8"H&Y\&EV5*M0 39199U
M7=XMP&>-!@%DV9G+Y],AO32D"0;G0;[2"V_9_& !NO<2!A97AYNZ.?E8?;CY
M*RQ<9:JPN1C..\[:UN!2.6HAQW$KHF;P>AHMB9KZV3B:.P>KWC #!]+1@=43
M6HTAFZ0>&%WXBRY T<NELQCB *]O=:]""05DNHGTBURL^^N5@1S_ "Q1^^--
M8QR6,RKN 6Y2K;\5KC5W V.U\!UQ3_?/UX^<WR\^CO;O1C-?]&4/O7D_UBCQ
MNJ_%F+W/2_.CQ=OU"\(^//M[DG)C2O+_ +U=>C=Y[!C:OQ(X^7RM:?G+$2+-
MS,0Y4=729MDVGC -8CYF1-*N]]^N6G@2$7'E*>BW*Z0^Y@,+U6+_ ,.996Y1
MP9(U#3M)F]?3RUB1WCC?KJI5CI>U*R*!!3]5*RLPLXD %VW>\NI9Z3)G,$>N
MJJ5,BJ+!AKLJ7+$>M2S<P+GOQ0;S$[I_:*Y4<5]Y\=)'EW5!V=H:WGJS"DO:
MQW5D>&LZ!<'4N9]+.M$I\L!:@8260C&48_W'"<*3C[^$#)^%>+<KS6AS%<HD
M/@M3'*X%70W>(G3.E_"K^J1,Z7_.P!I<KS:FJ8:@4DEXI Q[<5R.3?CGFI(Y
M'"LO"T<K_J'>]X\,+%(HP!= ?LW:S;>(\K7UTUUF-K>P8D)"_8I\J;K/UM3C
M33>$^D'398E2?PUYPS]*&5:Z>BSF->U W@-20/\ 52:I*=R>X)*)4\YF4=V"
MG$]+=8*Q1N/49>6P/:0GT$E>?>+#OQ4USOXQQ?,7B-O3CM((#2=L&CGLU(\U
MO"V8:_0JVK!0II2L>QQMN.ML7$/EJ94AQP'!0_FRV^M*I=D69OD^;4.8KJTT
M\PZY5YO3R QU"><M"[@7_&L>8&%BCJ&I*J&H%_4W!8#O0[./A4GX;8FI\+UR
M7E*[.\CN!]^R7&34-(%;CI$/)JRT1&2D07&4+;E:RT_[%LE#%HITFS&LYQE+
MC%G-4SC."'<TGI.RQ9(\NSVGLR,!13NNX9'#U%')MW$=>I8^6);^M&&/B6G#
MBFKX]UD41N0-K6UQL3YP6&XOR]&!?Y^R<KW=.]U0>)M1.*/TYINP-:CD9*(6
MIX6.K=+?=MG(FY)?;\XHA[QP<I3(PU3N!I FNU(=*LOF--J*9"J<)<$SYK*H
M6LJX_# C[%Y9P(LNAL=V4*R3.+7423'D,:*$#*LEDJW6TTX+J"+$ENS"OHMV
MR.[<V.+G(6&BZ[#Q-?@P!HJ$@HT"&AXP)I+ <;%Q@K04> (RGV)9&#$89'8:
M3C"6VFT(Q]['4.=WD=Y)&+O(S.[L;LSL2S,3WEB22>\G"626))W)))/E)W.%
MO]Y+X8',[Y(2O\>@^F3@WQGR?W4?HI,;\J]DJ+W1'\N%3>%5_<@\C/G)J^B^
MA]-72G[+9;[VGZU/@MQ1^&0>YQ](^&C]Q;MC5?N&26IY&Q[9G]9JU2#<PA&H
M6L1UBQ,)N+]9??<)4=*QN1,@YK326DM8>P]@IS*\H])/F[]''2A5='<6;14^
M409H,VDHI',U7)3=3X&M4JA0D,NO7X222;6T"U[G$<XTX$@XRDRZ27,IJ Y?
M'5(HBITG$OA30$EM4L>G1U M:]]5]K;K6_8T^LOQJKW^3.O_ *T=4O\ =,9E
M^2=#\:5'['A'^X?1_E#5'R_O?#^T^3X?Z\<_8T^LOQJKW^32O_K3US]TQF7Y
M)T/QI4?L>/W[B%'^4-5_N$)_^1_UW6&V#Z[>W:8J/;_V?<]F5[<MCV05<:$[
M1'HF9J497QP1W;#!6#,@T4#,2+CSV'(-L; ZVD(\CZW/4\R,)4@=(?2W5](.
M5T65U&2T^6+1Y@M>)H:R6I:1EIYZ?JRCP1!1:<MJ#$W4"V]PW<&]'E/P?75-
M=%FD]<U32&D,<M,D*HIFBF+AEED)-XE4+8"Q)OCH'B&?A3[\_G)ICZ7J9TJ]
M'WC50>U5OU.;%>R';,X/Z?\ Q4C&8>&F^&9%?+GMK^]K_6KI)\9#[@I?EEQZ
M\1>R3^U1_P#JPIOOQ=MZW<5=OQ7<NXAM250@R+Q$6C: U-9R(3J3;F)-DN'V
MG#M"-9:$J]SF4MXL"'6L!QET)2M_!(5O2'&-7 O$<6:TC\-YN5FD$#QTIF.H
M5=&$L]*Y)NTL"?YNV[0#:QA+,4R/,$J8FRRL(>ZE82_XZ6WB)/XRCUG>1L-Q
MNRV [D%1[B_97YGVY]R.AMYZ\XO;2K.]:.*K#>(^PKH4WB.N,(*O/J_6A>F
MR).(SC#B8N19FJTX04]!J-+7&X<FX=XTR:(!GH:C,Z>2AG(OJCZY-4+D?ZZ
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M3I+KR@8N_P 2-^%@9&<T;(J]N->%\PHZ\QFM]6I)V5511(PZ^AJ1&.RH1M
M'KGIW.U\,%%4'.LKJ8)RIG&I"0+;GMQ.%\QVY[E3>P.+]JM9H.Z5FNW&L2(\
MO6[7!Q-DK\J(O#@LG"S@#$G%GCKQG.%LF E,$-*QG[Z',9Z@DL4D$LD,JE)8
M9'BD0[%)(V*.I\ZL"#YQA$92K,K"S*2K ]Q!L1\!Q";W6XO8/:D[OL=S"TH
M.+$[DBK!MVK!92X)!E6.U0$M0MPUB0]-&6RU+GI%=W?8PTIH?-NA5)PE\=MU
M%SX4>GXIX1;**TEFHWCHYCS<1Q2)44<BWY6C40@WWZE[[$C#OE93-LI:CG;M
M0,L>J]V"JP>-K$W-ENF^VV&$>&$XEG1](W1SNOXA15JVY+2&L-;2\IA3AI=2
MB)=F9V99VB'?,HK%KO@T="N%*REY!=%E$84ILUSVKW2;FP:>CR* @14BK5U*
M+LHF="E+$0+ =5 7?3RTU"':PP/XDJ@9(J&.PC@4,X'+6P[*BVUE3NML3W6Q
M61U*<*^%F]Y+X8',[Y(2O\>@^F;@WQGR?W4?HI,$,J]DJ+W1'\N%3>%5_<@\
MC/G)J^B^A]-72G[+99[VGZU/@MQ1^&0>YQ](^*,=F[]T5I1V'8W)NG4^I7K$
MV<[7V=E[%J%$=G&HQ0J))R';M$Q%KDFX]9P235A8>2*HP5+^6\OM87.::@KJ
MP.:.BJZL1Z1(::FFG"%[Z0YB1@I;2VD&Q-C;EA>CAFFOU44LNFU^KC=[7Y7T
M@VOW7QEGV]_!_P#'(XK?U@]2_K=UJ^P>=?S/FGQ?5_X./3P.K_DM3^@E_5QS
M[>_@_P#CD<5OZP>I?UNZY]@\Z_F?-/B^K_P<<\#J_P"2U/Z"7]7&C:UY'\>=
MS2QT#I_?&FMK3D7'9EY.&UOLZDWB5CHE)(X2I,Z/K,W)EB1^#"Q1<FD,MC8)
M)88RYZKS:59ZG+LPHT62KH:RE1FT*]3330(SV+:5:5%!:P)T@WL";6!QYR03
MQ &6&6($V!DC= 3Y 6 N?1A6?B&OA4;[_G+ICZ7J;TT]'WC50>U5OU.;!/(?
M9.#^G\TXS+PT_P ,V*^7+;/]Y7_[/^G6GI)\96]PTG_NG'MQ'[)O[3%\A^3E
MA[-UI=4V-4+-0;U 1EJIES@I2LVFMS(R#(J<@9H-T"4C#QE_@NC&"/NLN8QE
M*\85YFU(6E*L(T,TM--%402-%-#(LL4B&S)(A#*RGR@@'Y< T9D970E64AE8
M<P0;@CT''G3=P?BAN[LZ\D]I5S6TC,&\<N3VK-I:[IDZ;EUZ.M>K=@0ST38=
M<6]:?.R[<M929T3)"%*RAZ05&5BUM-C-RQT6)]#\/9M1<79;2RU"H,QRRJI:
MB>-=FAJJ=]<53$/XFI574C<*&EA))57- R^JAS>GA,H455)(DA\H9&%G7OTR
M 6:UP#L=[8=QX43]I'EW\JFN/S1F^DGI4_#<H]RU/TJ8#\5?A%)[2_S\5D=2
MG"KB;3Q2'P^=7_.SH'T5;LQU1NC#Q@J=O_":BQ\GWW0X8N&?9%]O^[2;^3MQ
M8,OL0/,C=IKBF00ZT../#[7>??><0TRRRUNW9BW7775Y2AMIM"5+<<6I*$(3
ME2LXQC.>A/'8)XLS0 $DM1@ ;DDT-+8 =Y.,>=[YK5 ;G6@L-[GJTPW"*EXF
M>CQI:#DX^9BC$J6))Q1HTC'E(0XMI:QC W7AGTI=0MM2FG%82XA:,YPI.<84
M71XV*2*R.NS*ZE6'?NI (VWW&!14J2K J1S!!!'I!WQ.'VB^!6H.,?+O:FSJ
M'9=E2\]9]6W6 /#M\Q5CX=D.5V#2)LAT,>%IM?-;)05%CMLK>D"&DCK>2XRX
MZI#S=)XNSVKS+)Z:FGBID1*N"4-"DJN62GJ$%R\TBVLY)LH-[;@;88LUJY9Z
M.*-]&F-X].E;'9&47W/=YABDSJ:87,?-F8:)L41*5^?C )J"G(XV(F8:5$8/
MBY:*DAG Y"-D02FW1C03A'GABQ2&W&"&'7&G4*0M2<]D=XW22-F22-E='4E6
M1U(965AN&4@$$;@BXQ^@E2&!(((((V((W!!\H.)C>(_:RXV<7NZ%"[%U1*[1
M <I5UVK]:]1EK'7).I1,?/T*Y1>8=IO-.8L;\=$@3#P\2HRR$2"$C"*D#Y%Q
M)"R*=F_$^8YGPN\%4M*W7P4O6RI'(LKM'/"^O_/&,,[("]HPN[:546LRU68U
M-3EG5RE"&2+4P4AB592"3>UR0"=M]\')WH^/%9Y1ZEU'JF\VR^5RG,WR5NQ@
M5$DH&+>F9J!@_J3#?59Z=K5D0^%'#V67>8%8:&QDM]HAY;JQA\-@^"J^3+*N
MLJH(H))O!T@#3J[!$DDUOH"21V+&)+DD[ CO.,.33-3S2S(%+A @+"X <G5;
M<;G2._E?!W<%-(T;CGQ#T#I[7+)S53JFO8MX1V5=$(EI"0LBW[5/R\J0 #&A
MOR4O/S<G)&.C ",Y?*7AH=IO"48!9]6SYAG&85=05ZV6H8$("$58@L4:*&9F
M"I&BJ+L38;DXPUTKSU<\LAN[2&Y&P[/9%AW; 8++H1C+A.O><X9Z@Y>:(UNS
MLURT14EKW9B3:U8Z8;"QT\,+8:Y+B3L(X3.5^QBKAI9<=#'&#MA-$*.@XMUL
MIMMEYI]QX,SBKRFOJ?!NK=*BE(ECF#M&6CD0QR ))&=:!W526(TR."IN""^3
MU<U+42=419XB&5A=3I9;&UQN+FQ\A([\%9VY*4UK3AKIC6H=ALEHBM>Q4U3H
M&8MY<<=85UZ$LLP-!1YY<5%PH#S<)%X%A8[+$8-EN+CPF7O6?;<(=%<1S>$9
MS6U!CCB:H=)I$B#"/K'B0R,H=G8%WN[78]IF(L+ 9,P.JKF>P4NP<A;@:F4%
MB 23N;GGS.VVV =[[W%O5_(_C)KH^^(FP9K7NW 7:S8*T3%AS(@5GK<\)889
M9$K#S3*HB77%PAQ@[8[3RSH**>20E##C3QK@;-:K+<RJ5@T,E12'K8Y0[(6B
MEC,;V1T.M \BJ22-,CBUR"/?*ZZ:AF=H=!ZQ-++(&*FS @V5E-Q<V-^\^7#0
M.*>I*3HCC9H[4>NHY<73J-K.IQ$..\MMTM[S1(YLA)R+[3([94M,RA9LO+EH
M8827)G%$X9;]7R)6<VJYZ_,ZZKJ&U33U4K.0+*+.555%S9$151!<V50+[8Q5
M$KS3RRR&[R2,S'D+D\@.X ; >08(#H?CQP(//G6$#N?AWO[5MH,F(^OW:CN0
MTJ9 $!"S(XKDK&/J<CR)&/E06B/,PG&%DQQ;?ERK'I9SG"L&,@JI*+.,OJH@
MC20SZE$@8H249>T%96(L3R8;XU43M%5T\BVU)*K"^XN#?<8"OLM\5]?<3]&;
M8IFNYFYS478]M8LQK]UD(.1/:/S3:W%Y:%=@J[6QT">[Q[*_3>%?>]93BO7\
MBDMH-<:YI49K7TDM0D*-%1]6HA6105,\K[]9)(2;D\B-N[OQNSFHDJ9XGDTZ
MA%I&D6%@Q/E/EQB/>UX4ZLY<3W'4K9%@V!"+HL1LUB(32)2N1J"46$RC.&YD
M<3U4LJGE-9AQL"Y%4'A&''_52_E3>6MW!.<U651YBM/'3N)WIBW7+(Q'5K.!
MIT2QVOK-[@\A:V]_?):N6F%1U>CM%+ZEOR#<MQA%OW&+B_\ P^WY_2C7?^EG
M3U]M^9?Q%#^CJ/VK!S[+57DB_L'];'/N,7%_^'N_/Z4:[_TLZY]M^9?Q%#^B
MJ/VG'/LM5>2+^P?UL.*[+W K4'$[?FT;EKNR[*FY.R:@(K)S%UEZM(@,@9NE
M3E?5$:@J;6R$%^\1[*/4>*?9]%3J?0\^4.(3N-,\J\TH*6*HCIT6.L$BF%)%
M8MU,JV)>606LQY &_?@/G-7+501=;I[$NVD6]<C7O<G^"+89WW3-'U3D5PLV
M5J:[2-BBJY89G7Y!IM5+C0IMI<+>8&8%P*3+Q$X A#A(32",.QKREL*<2VII
MS*74+'"M;+E^=4U5"L;21I4 "4,R'73R(;A'1N3&UF&_._+ S+)6AK(Y$MJ4
M/;4+CUI/*X\F.H=HWCU3.,G$,35]#E+1+P#.Q[M.I,MYL2?,9+F,Q2B6U$0L
M) !9&1EA'H(Q'X=3C*O4>=]N/+[<75\V99N:F=8TD-- EH@RI9-=MG>0WWW[
M5O,,=\VF>HJS))IU&-!V18;7[KG#/.E? S 0]P_BII[E_P 5-FZQW+#%'Q,9
M"R%WK,U#OB@VBGV^L1IQD58:S)F R3 )Z6\E1IB7P2Q)"(D)"--%?&*6GHYP
M[FE9E&;4M31N%9Y%@E1P6BFAE95>.10RDKR92&5E=592",;<OJ9J2JBDA;2Q
M948$75D<@$,._P H\A . F[*7$?7'$K7N]('7,W=YL.X7*I2\FY=I*!D26"8
MZ$D@V$ K@:U6VFF%M/*4ZDADIQ3F$Y0XVG&4Y-\;9K49K44#U"0H889E7J5D
M4$,ZDZM<DES<;6MY[XVYU4R5,D#2:;JC*-(MMJ!WN3AV_21@+A2O>4XT43E5
MQ?IFN]A2]NAH2+W?6;<.53#X:/E%R4=2=B13+#S\Y 6(10*AYLI;K: 6R%/M
MCJ02AM#K;S;P9F,V69I/40)$[M0RQ$3*[*%:>F8D!)(S>Z#F2+7VO8@KD\[T
M]4TD>G5U+CM"XL7C\X^7&D\&N/=,UCVZJ!H&!D[.;3H:L;%!$DIHN'+L3C<E
ML"XV-W)KPT&%!FI0><ZSD,B 7&F1Z< 281X[I22,V?9A-4<15%>ZQ"9GIB50
M.(^S2P1[ N77LCUPD#*W:1E(!'2MF=\QDF;3K9XR; @7ZM!MO<>8@W!W!QO7
M#"CPU#X\40"#<D5BRXJYUQN1,R:H5XA+4>@05U3:'E#,"1HJ<OF.%RDB5[U+
M34E*3,A(2)6'.YWGS*H+A;HW5@J--PMS<CE<ECLH5%%E1510H\*UBU3)>W9.
2G86OWDD#:Y).P 4<E   Q__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g912276g0418115939478.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g912276g0418115939478.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  C -$# 2(  A$! Q$!_\0
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M=:]_J\3-PK\R*JR<:ET>0?"#QTUQ'_PC&JN5NH 1;.YY91U0^X_STK!^$?\
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M>1'_ '?UKZ9^%@"_#W30.F&_]"-%%<V-_AKU,L1\)YW\645OB1II(R?*B_\
M0C7NU%%<M;^'#T,:GPQ"O"?C5I]I'XGTVY2!5FGC/FN.-^",9HHHPC_>H5#X
MSW&U_P"/.#_KFO\ *I:**YF9'@^C(O\ PT!,V.?M<W_H#5ZQJ$:'Q;I\A7Y@
6A&?SHHKKK_$O0WJ;KT.@HHHKD,#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>g912276g08p97.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g912276g08p97.jpg
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M<" S+C  .$))300$       /' %:  ,;)4<< @   @ " #A"24T$)0
M$/SA'XG(M\EX+S1B- =8=^O_[@ .061O8F4 9,     !_]L A  ! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! @(" @(" @("
M @(# P,# P,# P,# 0$! 0$! 0(! 0(" @$" @,# P,# P,# P,# P,# P,#
M P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P/_P  1" !L S0# 1$
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MB7C8=Z- ZXB2E-.(N9D]REH&HH-&93@,L\7IVO<!2^L!883&7CO0!3E[L7,
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MR<Y!F$S1YLJ&S,5<(-CJSKS AR,D0&-E47;@MJZZ *@IM^D3CQ!CZ7U,;6W
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MX*>8K#S@H5C>T1@,C7;!]E.5XP&-RTTRR!\@IBTJO%JO#2$>W9-E4W@H]0A
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M9]E),<:^(%@1KA:'RF:,[4MC$W:)2XMCLQD:S<&Y,:1,LHY3B!1*IN'8<P&
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MER\H/',Y8QYUV_9_TTZI[\_4^XZR[QW..DAA'II8&,+6ZW D24TI+OQ"I5$
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M!I9(!YF$'A(.SAW=JXN*?:%)L:47RW2SU$[V%GXNC2CN.3=+ERRS.+!\WIW
M_L:8Q^[7CV3++CEKXR..KO)(NY,CBDXN)BX)A(3S9]"^S</@W OU720IJ=R9
M4@D'Z0 >? !15=9U&J/07/EP"GC<\%@*DJUJ'4YP1.Y,_HQ<P33[JE-/4M#&
MQ-UC0H*GOU:LO#+VX#N4_?LN^$Q+'\C;4%5"Z\SDLS!K-5<HS $&R,7'IO$E
M$Q*UWB8YC:".FFWX:?'BLONSZ*T5,<0E<\.8YWO#@ B !/=@@M'3VGN+I0ZH
MF:&,!"!@5>]2<4R?<3\@,7\Y<\JJ^+BJE_#Y6[K6=Q1**P"T%(.!0C,?R?1!
M46TS@F2.EWC@SDPF4%R4FT- 3 >8NOI/M9]98:@LE+ *I$+0[[(/$/C_ )>[
M"EZC[UN/2C<;-L6:*"JIY*=DA=(XZ@7$@@:4"=P(7QQ?#X<?:/\ &WR*\3O'
M6WI7+KKQ9UE-4X]KC\7E6&R#"-;1CF1;-VZ;YY7_ '#D^A1,<YBE QAY%#X<
M+G=.[[IMS<=99::.GEBIZAP#BUP)"#,^< \>P#%S8-^W*YVFGN4D4#)98PXC
M2Y 5/ %Y('M)]N#M/?8&\4\BSIWGSNUO()*8<Y)$Y4=JTG:]['OH9Q&KLTP*
MM7:[HK,QHP@'**NNAC:"'+3L@ZY;FI;>RW^EHWPMB,8U"54<"%*3 +G_ ,,*
M^Y=/+1<KM+>I9JAM7-/S7!IC#0Y=2 &,^7P))\<6XW>^+B5 W!*%;#(AC%,V
M#((ME5Q0%X2$P>67[8[Q)%0Y!<]L!3&!,1+NW 4=-.%3;"]]X@><B:ICLRH!
M+QDF60[B??@]BA$Q; 7(QZ,4#, Y+C"#X7?=%DXJ^L'R*&H2!;2^-8_ET^P[
MVQ\@D&7<Q^/+&!!RV+C#551NJ"PAH0Y#:\]?B ZBNUJGO5(ZT5,NFGJ98V.+
M8_, NKRJ\@%0.*C^>.^^;'M^U+/4[@HYYZBHI(G/Y;@T!RD#B@0 %3Q)[,:2
MOMY_==LWS+\A IS+JCP'#(H]>Y%F(S&.SF02$CWL(YBD4&((2#<K86ZWJ!]Q
MA,)]"?ZZ<+??W2FV;0L#KU15<TKQ4LC+9&M!&K4I4*.P87.V]Y5%_N8H)J9L
M<9B<[4-14M(';I0(3Q'T8!?_ "8WV*,/$6DU,KQF6R1F:_F*236)RWVDL@X#
M%Y3_ "E'1\<R47:6PFG2%),?GO#X<4?2L3&[3B&30>1GQ=EJ'>3AS;58Y]P>
MV,ACD[@4XIP3^F*K/LP^ _CC]P>I[T:92-O52UJJVX1PP)BUB8WD:DNXR7!(
M3N%)!:>J](J)&R3),"$1(80,(B(_+@KWEN2Y[<J:=]/Z>02Q."O8[)'N0_&W
M%Y>KO6V:8!I;(7-SUM([/ G^>+<LQM%G]E=MC7C%0V,+VUB6;LI:XG<];>2%
M3R5I,Y'D,E&.HIG[0QZ#C!C44H@AT]Z(K%$Y@$YA ."_IOTPI>N%MJ]S7RLE
MI*JGJ1 &PQL+2T1M=J\[B05=W\$RQY\?NI_=KN/H_OFAV];;10UAK+6VI+GO
MF:6GGRQ: &ZERB+N()S "HN>W[EWG(ULCR-=V!EU+)*Y!E]3US*R)(:S'\1%
MMP'%FZ"31M'.<.F5"@DF0 ,87*@J&'4- Y 6PV6IV!-4;1H)F2VZEG=H?,P\
MQQ<02O+D:WB<O*/'#RZ-6FEZ^]+[;U3O8GH+C<HY ^*G,9B8(I'Q^4RL=*5+
M.U.\'ABWZHOO-V?4-94_6&-T97[K'L6K6M(>*<S.79*ZEA8JXY#G3[M=K'LT
M%W*9%PU$J*!#"&FT.$U=-CTMWN%1=:B6454\TDA#6M34I<C5<2B]A<?;C1%M
MV-;X614$,\VB-H8"6A2$3-3F?8F?#%14[Y XD_\ *^6;.*F? XDO(%Z1P]2L
M\X(]T_SD4UET&1\!-TR)J+")2"IN'3^[XCP_X^E[1LUMS];*QPM@ETF&,J1%
MJ3)^0)R[QWXR /W:;J9O:/9<5JH/0/N8H1(XSB31S6Q&0-U:-0:2X!4)'#$*
M/$BX:WJKRJJRT\3J'(5,HK+)\TS['DIJW3/81U,8=@><3;-M+L6E9QCE:.?*
M,]ARHN$3[3:[M0VF6M]IZV>PU#)96Z'1Z2D9X*T9?B'-.W/V8W5-12U0;25$
MI%)+(V,H%<&DM:H"<0"3BX"XOO;V5YXTE<WC+:WCW7V-8#F%=J3\S*X#GN3L
M\H!3#LYP68C&;)[,PTU'M0<.4TQ5,HU6_2 2AM-H8%_LO:-.-T4)AG>U\DAS
M0$Y1RH@0?=';WYC%?U&VI2=-=H5.];9-+4UE')&!',UK6'FRM9J)824 <2F6
M K]KWP*\:_-NS[@H?(&MQ5[!NJMB<X=Y#CEF8M-RQW&+YS%),(Y)M,56BR31
M=JSHF4,)3CH4 #:.NK,ZE/N&S;53W:FJ&U$[J@M+7QZ0 8R2<GN[NP^XX1VU
M>K]\W'=GT\]/2P""+4TM#B7'F!J%3X]XS[47%QN14Y@'_'XQ9;,O&AOEEUO?
M)_)8O',O97AE$2#.!:5I#3,E"N<=/@^'8XX.N^5RYP5P#H5R& J8D F@[E_M
MRDEZNU,M->GMIF440>PPA=1D<T'5K)^Z$0!.U<2M][VKZ2.GF?%&]QD<T@JQ
M BYGS\/#L[,4_?<E\J(GSX+1MH7-4YX&:Q%.SL)AV5>62YAXWTQ)U@<R=U(>
MOX3DCAP]5>RQTR[%$2%(F'T\P-P94FSV[(JI;=;*DRQR1QO/,C!*J]B#2]@0
M@#B#GV]F"CI1>ZC<5KK*R0112,G8P!I<<C&U^:AN:GZ.SMQ/O[?/V=/%CS9\
M1JNMW)<GO6OG44^L?!F4!C>;87+,180UG9A()O7#^;J]-RX=O'4TIK]!"$2(
M0--=QC#MSZI[DV5<)K30QTCX9',E)>V0.U%@R&F0-3RA 0>U3PQ0=1-E6S<&
MYG5USEF,[861C2X :07'M8XKYBN?!,L5+_<7\8?'OQ^\J;)I-ECMI9;'5?BM
M88K&Y,^M.%BY"78MJJQ5XU6?LFE3N&S=\FD^V"*8@F?:8=A=P;6ELVCK=XV.
M/<E9.R*HJ9IG/:V(:&I(X<3(J(U3Q/%.[ 5+U3NFPFLVG;(();=21L:QSR_F
M$.8'G46EH4%Q32&Y=JYXWK^,2;=IXS>/:4>@J@R;T149&C==<KY<C9M7V/=H
M@Z=I-&A7RB:12%.L5-(##S A0 2\8\OD+H+[70@M+!4RA0 !E*YH*(OCQ/T9
M8/*.J=<:6&NE:&R5#6O*=A<-1XJ47O*GM*YXS>S'WTKGL.6R>HIB@*O;P>1O
M,OK^0D6.6Y4251C#FE8)9RV4<,EFJ;X4$2F#4AD@6'7F4-."&AM$--<(*MLA
MYD<D3@J$+J!X!%^D>W#BK^FEJ%FDK!53.#J<N32W,EI/:J>'=XXI.^WW+UEY
ME>3%6>+&3UYE.#XU>4#G> S&68Y:#>1GH.)?59E2SAW%,Y>NAC5'@D;;$Q<%
M,0!,)M@A]/&B=W;EO-)MZ:J+J9XC+7-;RG@%'M(!/.R7O3W85%%TKL^S)8-S
M4%14R55,YI:V1T18?*6^8,C8[MRTN:5S\,7L6QX)TI]A>M<Q^X;XYR5F7)9V
M*M8&KFN#W5E&/)82[AK3S;$\<EY%R?":_AIT)*,14!1MM<E1$W]Y3!RX3M'N
M"NW_ %C=NW1D--2N+G:XP2\N8PN "N< "0A4<.T<<$]/75&Y:EMOJRQL1!<"
MUIU C,9DG+W+XXIT\WON_91]QKQW5Q&[O'_%<9A:IMFO\PA"UG8D["R#V6F8
M?-X!1"4<3^,Y&W,Q;,G)CE(1!,XJ"414  , F=@V;!M>X>IH:ASII82TZV!R
M(6N5J.9FK1Q4'M[Q?4%C9:ZUI@F<7R-*ZFY?2"$_^; D\1?';Q\\F:1RH9_&
M+1Q9IA=OL2L&L):L*^5?+3&$2J:RKIS)U:H(I-4HX"E*F43;S".[30 _-T7Z
M\;>K8F1B*5DD1"N8A&AP (1Y]ZKX)BW9#5NG>.>/R@<FDA3D1FF2>(]N+6*L
M\[)'[1M68IX^4'5$78>'9W,9Q;3^4MG.'ZV1L\@?+X[C3ABU7Q?%X&."+,TA
MTA*4[<RH*"81.(" !^V'9,/5:GFW#>JA]-50R" "%C=&AK7/U$/<YQ<I*D%$
M1&X075S=]7M;<T-%#'%*R2DYA+M0*B1S<M).2 '/->U,5>>=WW 4;HO8EM9K
M1[)+*,XJW")*20QZSI",B&I6+W*H=NV:MWV%2CS:5NP*=0QW"H&.?Z0  $O!
M]:*:IV?3OV[;9&34L$S]+GL.M7!CBJ2-!0G[HRQS;O3ZV=1[-!NZYSU%+/4L
M?&8XW0Z CW,#AJ87\ "0"7<43A@(6O!4KE-B%RZ5KO.PE<BA:HF'9&-O,&[)
M)1>O\,%)!%)>K7"HI-2D IA46,900$>0"4 O+=MZ6NM_KI:K3-*^5SF<ORDE
M[\@0\H/:N**Z=7KKLVOGV=104TE%;W"!CY-9>YH#2K@Q[07>8_='#+&QR$^S
M[XY(-8.^$,[N<,@9QT);+>%5GL,5A1FV$2TR5O&J&+@0/C10.6X)B &!44AY
M&W<^,P5&^KNQ\MIY=/RP]T6H-<"&J0J<SXD/@/##<I]U5E1#&UT<8B>P Y%4
M?Q3,9YY=W:N(JX9]S[._/3(([PWLBI,2P[!/)I":J7+<GPO*YOW;C\)DT:]8
MOY''23<1)102K=$!Z7<)*H%..HE, #K<U>RZ?;4;[]1RR/GICK:'AJ$M<H#D
M(*9YHAQ:3V&"UPNN4$KR^(!S =/'CFG],$JLOM">./VJIE;S1I;-;JL//ZMQ
M2;@(?%;.R/#E<1D6.7,28U(N)%/%Z^AI@RS9FYZB)DG"9 5#Z@,'T\#UUWS=
MMS4AM51% R%SFDEH=J\I7)7N'MR]F(<%QJ]R5,=KJRUM._/R @@CN5R'WK[1
MB0,1F+7[G;*=H&WH)? ,9QQO%6&WF*WFDO7G,M$RR+9!BH;(X:48$8*HNQ,?
M8D*NG(#%'GQV;*WC=.E]Y^>V)M/)5\E\>F<.>Q'\2C'QNU#L\R=X.%GUYZ#;
M8ZE;+BVWN2IKF4#ZR.;53F)DFJ(D@ O9*W251WD)[B#GB)?EE;K?[$D'@K/Q
MYQ ;A2\D,EEE,G-<N3F1- &P2!54C0@APW'(43%>%>&%;K]41$ V[0^+:BN5
M=^X:IYV[)(:$VR'3'Z2,^<2O5VL2R2*<LM)8.]<9\V/TRVO^V"TS6W9'JZN&
MZU(DE-;*US@Z)I:T,=#!$&M(>=6IKBJ(0,62_:S\Z,U\_?'[([@SO!,5KZ5A
MK+GL%1AL4DI25C5V<2SCW*+Y1S, 1P#A<7N@@ :!H'(.$[U(V91[&OC+;1SR
M3POIV2*\ .5RY>7),N[WX?FTK_/N*@?63QLC>V5S?(XN"!,\P,9\?O=QU>.?
M/',5<DQ3)Y>4"GZU!9[%9\TQYJ9L#"9!!,L8M@\^J15(!'<H+DQ3?^J'#HZ4
M6">Y;0BG94NB_P#%29"-KN!;VEX/U''=<>J]PV?5?**:CI)X6@/#I#('*\%?
MA1J! G#VXT\^ 96"'AAXPI131PRC2U)B1&;9X_1E'K=#HF!-)=\#&-!X8NOU
M*E12W#\"!\\_;SA;3[IK*;F!YCJGA2$)\R<!X^[%U2W&2[4[;I,UD<M0P/+6
MEQ:"[-&KV9Y*?^.4+.LRPAQY<Y=#+5_-F7>^2#R$<21+#23**LKG"46O((L!
MP902"!7(G(GU! !*!1'XCQH6EN]T&VHFQ/IS&*(  ,?J303QU\<7C.EEH<&W
M!\]9K<DND<O3J!U@$Z"0%&?$IV]N+TJ>^QAXPTO=N!7GCMFWK(Y/7N=%SZ)C
M)N9P):"=RAS2"@MI)NPKUB[.Q,,B</H<)K:%+^H ZZI&LZ@7:OHY;=+! &21
MAA(:\%$&8)D(7+N(\,6=3NFX55/+#,R(-E86E 4&8X*XYY>/LQ8/YIWW.^,G
MB_;]\8Y 1.43E=0;.8CX*:=.FL5)G<S<;%[73F/,J[02*D^,)1(7=N)H(" \
M!U)2BJJ60OR:YV>?@3W8@6"WPW:\P6V:0QQ2OTES0KFY$Y#M.6,FOF7]SK)?
M/SQLS^GKDI/&L=Q/'9VO,\3<5Y8$U%Y ZE6,K*,F[99].8_D+9O&H@X,90@-
M=QM0VG+SX<'3+;XFW4R&GG<W53RDDH[3Y6GRC)1X$^_%MU'IO]K-O1[JM3O4
MU[JID*3-#(]#U4JUS7!V63B2.PM*KAI_::^W?XT>;K7R$K[(37'6\3ACRMLL
M3>X[8F,3[Z2>OV\[%H-ECRM5-V[9HBDW$WT <YQ-J.T T%K;QW7>^E%737*T
M/@JYJN&2)[9(G-:&MTH6Z96NU9YE4[AC.5_=!U]HA9MX0FEH[;,)8C3R %SI
M&EKM1>) 6@ ( &^)/#%UI/\ CS^(R&+Q6*HVOY%$CXO()K(4%AR.OS.C/YQN
MP;NTECGK@$S-@3CDQ3#8 @;74P@.G"XJOW"[KJJDU<M';P\L:T^28@!I)'&?
MCYL^Q.P8_+#T4VOMRVNM5OGKC Z8R*]\9*EH:0HA&2!>!*\3BT?P[\2, \*Z
M79T=7,YE^28NQR3)<G2E<U<Q#R=,^R:26DWR:JL%!P,<+9NLIM1 $-^T U$P
M\^%5N[===O*\NOE?'#'4&)K"V,.:Q&@-!1SWE>_S(O 89%BLE+8;:RUTKI'Q
M->YRO(+B7$G- T9+ED,L5R>9'V%?%?S9ORP/(2S+1OS',NL5A L9F)P><P-E
MCC-+'\<9XPT/'-IJOYN2(HHS8@90%7*I14$1 "AH 7%DZC7>QVR.TT<5.Z"-
MY(+FN+B7.)()#P$"E$ .#6BOU90P>F@:S1XZE_F!]6(@9C]W*R?#[/);Q"P>
ME\%RO"O'K)&5%XSDV69=D)<GG,>PQRPQ1A,3Q(J,:1@3+IDF554$$DT!.8="
ME*&G#5M?1^U[EM4&Y:BMG;55=.9WM8QH:US@7$-)<NE<NTIVX35UZ@U\%ZJ*
M9M-"_3.!G(6DJ44#21VKQQHHM!NVR6D[%:2:2O;3M49BB_*V<IHN"H3&&R)'
MB;-91%8J9Q37,":IDC 4>>P0Y#GRA:8[K'&N;)V9N)/VAP:"/_U88G/,,8K&
MZ>8UFL#N(S&:</Z8Q6^(7VXO&+,/(:N<.(K<\27,AS;&%I3]Q\3?*,FTQ@V5
M-'KI)FK535%5R#4X@F!S[2B(&VF !*.F]S2UUHL-17Q31OY0CD:PQD#5K9Q/
M,7'W1=3+O7U<5*^.G&L@Y:C\)49:O[<6W6=X14Y]F:N<V\]:/F+'M2Q*^AF&
M#1N&VSDF-DPI]%V3F.*0<JY?'Q+!H><(Z9HHIJ(&37$@"42BF;< E -I5E7U
M5O\ 3[+NI9#05#G.=)$T\P&.-[QIU/+4)&83AVXI^K'4ZY;:V/5WUL$$TE.8
MD80\!VJ5L:*'$J \E0#F!DG&HKS%^\GG?E_X\2T+9_C]A</'5]:%;S<>EAM@
M9+&NG;V<@[)C#=Z]D8*93[=FV:&T(!"B8Q]=P!](.5W2Z#I;<(KC9*N:JDJH
M9HW\Z-NEC08W* U[7+JR7S#P''";Z1;S/7RX5NW=R4[:"AHX8YQR7*XE[G1A
MLFMI 0'4K1\0'$'+I^V?]SB;\<ZVN"?KJD8%8^6V-CL/*M\IL.<F" 2&PT7S
M=RQ5C\8@CH*"I(J%.02KZE H@8-HZAF][74;PJX([I.V-L$3M.AJ#SD+JU:O
M<B)VKC3=EZ86?;SI8*.JJ'QR%IS$;D3( $!F1[57VX-7EKY6-?,H:QMRTJS)
M!3D?$9IA+*/PG-W+&)]-@Y]L_*[<$F<6F72SE1:94WCJ4HD*4-H:&$QOTIZ1
MT]?1W!K:V:(13-3R-<OD.?Q-_D,9,_=!^ZB__M;W%;ML6&U4=WI;I;WU9?4\
M^,L<R62+E_@DY)&"'=Z]A %+/FM+5#&V)@;5[66:29RTQB1T%2VTVCMC53),
MX4(V.D6LGY3JHZF_4U+N#0-H<^/V[V"LV[?:VT4M3S*:*9J.,04ZHXG%4E[#
MP( \5QI']OG4J\=9^D]MZCU]/!;JVX>I#Z>+F.9'R)YX CY"7'5RB[AVIC:-
MW4!_Y?GO?1)#VU^+_N?;WKZ?J?I'\>^IZ3[F]%Z7=]M^EW?I^W=]?0_V<9H\
M_P"OTU?B?-..GMYWW5_KB^S_ %'Q\WJN*?W]V _]WO&,+F+DJ=QDV'0^3.R5
MU,D:NY.0RQFJS0-E &,W22Q[(X-NNB8Y1-^JDL8!$=# '!5TZB<^V5+@Y[$F
M;\/+SR'WFN.$QO?J=NW9%?3T%ADIQ33QESN9%K<""0$(3++M7%)UT_=\\L_
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MW=X9^*["J>V&G6CQD\L3&'"R#S/+3Z2CEIB^:$;+E5;YVU6(LD@Y7 H"<"G
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MQRFQLX H9OAY-R1#'W&)S2..@#J)0 -#45LIIKC34S_4/8:A@(,LN81Y['^
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MKTDZM;HR=0(4%>S/!D\;LCOM]?$(RDT['5BE&UDD40>XO+=DLD3'IPZ!%SC
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M) 'UX.'W.5K&P&MZ;-5,9D6(+O[*R )H< Q4T,N]1;82^[(9?V[#I@J5#J*
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M3CE@<W'<'F1&OL7:P>9>0[)F6F*B4[6*:YNW;%>J5S$JO# DA'I(E=&6,;J
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M"+BJ2D+_ /.F9MUE%Y1:GE),0+I'.4'D=.3=F/(=VD2+F#)I/&[PJK9T0JX
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M*39,N8N7!U':E69(5F""1,@4,"QUA*)! H"00 0TTXH+U=]NFVO-/+2&8/C
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M!$R&+_<8X:#\?Z<)^[3.N%.RBHH9YZU\S& ")X^(G5F69HF1R]F/6FIWKM2
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MW)E !UUY\0H:6O960R303EC)XE/*>OYC<_A_N/U8U_N+=%KJ[9-%1S3@RA
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M01D ..!CYU82TN-U2&1UUF=-Y% L,)RR%=2);9P&-;A()6'D#DS-()J<8K.
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MHD=5/I1Y3%,/,H[2P-]JH ,8;_;M^U+KYLKKEM[=VY-MR4VVJ*\<V>I-31O
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MW+]47"MAJ3"ZB+1H9&H=SHSEJF=[/9XXS=MK]G'5N[6FKLM ;))<'34TH_\
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ME)*CXR(GJTN R;GYG=[_ /#!ZVZ11TKHI6O=*YCAV=O9PX=GLQRX_ 8@-]F
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M JGA6?;6PF"M@<B<2&$P !1*) T'7X\,WI]U#L]GN\U1/%6.;+3(-#(^)>O
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M=_T\*OF,_5?-1VGURH@7\SN5/KPL?05'ZL^7:6^J]=H34$U<Q/B1/>F*B_\
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M(3Z@ I!#X:\=]ZV?==MT;;G42P.A9-&H$KN)<UA^QV E,^/:>&*0?N$V[O\
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MW\<$')_'W%)#R2D)\+1E4S.;.Q^8!@:LR&.BF9&#<I-Q<A814SF*0@ !MO\
MTZ\5$=PEAI#$Z%W,8QS02[/RE O]<*NHJ!()GM74XN[2BN)<<EX*>"\/IPA5
M\XK ?(Y04LPS0[H;)L)4&YZYBB$*965R=0Q#+DLY4=I#*"(*=+0WPV!P6W U
MM#9I*F0,(C@:[\T9H 3_ )0]W#VX!CL6Y6:,7:2J9RH7\\D!VK2T:@&^;BN6
M>!A26+UU+*Y;'LL]RXAWM(64D*SFM(Y,B"/M$Q5%S)HV6KN*4 TV@(:CP+5.
M_(+\WT,-+.R=\S -3AD!GV#PSXY8EU/5VT2T[YY*"J=HC+P#RT5J$?:R]Q&'
M3@E/X/'X9=AOW*R)9-QA.*M5!+6+5,S<OOR+5(HF8UEF,L)SAH*91+M >+S;
M%'4UE^@BA,&<,A_,=]EA ^QPQ7U77&P-9S315A:QC3\4*J7!J?'XY>.#+1>3
M570]:6I+RV2YQDC;(<OK^+32BZ_AFCAJX9HOGN\XO['$3)'2()2B0P:B'!1N
MC;MQ;4TYD-,?PI,M4B9(?]+O/LQ17&X0=;HS;+"'T,UN29YJ/,UPD\H:-,A*
MA._"3Y 7!3MDU?6;]I,V%$-8W/\ -68D=U_C[Y=RNI#-E3% B%EI%23*4-0.
M)A$1X$7NK+)4RQRMC>Y\;2-,H_K%_'?B79ND-UMT+H75M.\F36H#P5 1/BX?
MPN!Q/Y%5:-94V0^5YR4GH5B&1,2N8;<?=E;;511(+,3 B@?T$3?^G@]V9N-]
M-2U#/39&=KOS&GBW/[.*V^]%+W>JF%]-7TT8CB+4<UQ!S)4HX%2>XCP0YX[[
M?K_ <HF\<F$;#R9@1_5E>"DW5K9FXV)A&N4BKK*EL4/U#B/U)@!A#_U@XI*C
M<A-?.\4Y ]1)D9&H.']N+BW[\H^G-!^B*^&HJJNAC;&]\8:UFH@N&;G.?I13
MFXG!@R>Q*FBK\)!KSV>"\8Y_@L48_P"W\ +=1RF;%FQ3@HI9I5@37/H8.0B4
MOR$>7 DS;MPJZ0UD+Z5L4D9>-3LU+G=T0/T9X:%#35-TIHKA"@BF;K:'!26:
M=2=@4\ I [^_ [QRI\#"_57);+R(ZHYSGKGMQK%H0HF!AE:YT1<FL@PJ"F41
MT$2[3#IH <.>];$O#=LU#C)2<LT2KJE7X6Y?E>/AC/=D_=CL[<6X:79]+;;J
MROJJT4H<YM/RP]LG+5R3+I4=BD=W9AB>+%:X'EUSM\9BK&R-&0FL.LMFDX?5
M@T0;-NI#BL=4YVMCNUE-H%$ +L+K\/GQG8[&K[1RZV62G=!&YCA\6I>"?"!V
MY>/;C45QW+^EZ0W^I@D='1R![N6X*K3I\J@_$/K3AB2>5>+D#5E,W+E$Q;3R
M5CAP[&X=9K&UH";TG>Y2R,DZ3(\L B2Z ':"!RB8IBZZ\_AQV36FJO990TY$
M4IEU>8E,@1]"'/(X!;]U3M/6"W'9%NH:FW5KY&3\^<M?&[EZCF&.:[5F@S]W
M?$N%AZS-4EDF#.<O,E[PK AQ-6L458OZ>5]--)/]SE0,D4=?]Q.7!!MC;%;M
MBZ.J*A\#FOIW-\KSV. '^7VKG_3$?:&R:[;%SDK*ET50R:+22 04&8R)X_5C
MYN,$KW(:2B"MK#RA!%O<.5!HYK"/*HJL?!<* 0(BG9NA"D3  W;O@'SX([G0
MU5PKVZ?3LTP!%D/;(X?<^C!1=[/67>:/TY#'1,<0#EQ!R[?H0^P\,.I:I,%+
M5%0$/9.1@5)2RP353K-J"BA5;!ESJ)JH#8X](J8@.P=WU?#B#25D]EEDIZEL
M;I-3'#3,4.IC056/A@.NN\J?IO6-LMSCGGDFB$OX2:2" WS+I\Q1,O+G\)&6
M/E;<96F/Q=:13W.<N,9M2&( 59K6\4JBND=DY42 Q#68V6(J7< @&AA$?F'R
ML;:^KN/,JXA&QIF?D92?A(:$&@9H3DN93@,54-HJ=^QNW90/$%'5- ;%("YR
ML(:51 ,F]@!!).'#;7CWBF466;(4;4EF196.KIV@T6K1%P9NG[:QXJ8.5RV.
MDB*ZNFH@!3BF'/41#@$J*F6(RM>&E^N09ZDS!XH3EWH#[#PQ;06&K9$RWB34
M]@#,\_8 J9E4S([.&'\%68,3RU:NQLG(NLW\A8U8S7]LVPHJ+ML\;+*M@<A9
M!P(*YR:]04S;2Z<ATX>C-CWO](^O#Z;D.MH</-)DT0EY&<2)F57).[/"<9^[
M/9,%Y9LMEMN;;B*UM%J2$,=(90S43K/E#BKBA.E<L#FIE*QD+1*R;YCF?77A
M;?3("M=1!$@$U46$*@]0EG+'#II%-LU3 %1  $2?$%4+!5P2,J"ZF+!)&4U
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M O\ 0=.9+64E7<Y8H(N6P-#W$\X]H0JD:D>PKXXJ>G%KK-A7F>KG,=6R:G+
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M/B[W1N=TLM.?3NUL9(5Y@7CWAG\@<0+%:)NB,DUQO;VW&"XN:QG(:&O:8P2
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M9K(F:8+9*R)P$*^53% Y3'U+MWB8 T$ U ;&AWK76NMY[8:<N>S25<[AJC/
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M-?'-",5O^.*-4(63$*MH:SNNC@MG'(+G,,.52$J-4YD4/J+72*G4,BH8I.8
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M3EV+@++9;5^&4S$IM\6L210D+<E5/U\VQ5$Y%6^$)@*GZ==N4S(G!00VB3<
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M 8<$'E=95_1QU&V+V))-9*ZI9-1-WFV+-E6[AO76** HFLG7JI5&_0<A]!B
M(&Y@.O+@AA;+NJO#N>R P1-0AKB?,]ZJ"]#\('8BGCDC&W%MZHH:F*(5.LR1
MDIRPH(.G)7H@&>8)[NS#OFLWK+)JEJ*4<XG834GJUK-T4&^=XJL<HIY#"J'4
M457KLW5,900V "9-@?'40UX+]J[MNNPW5=NI605,4P9*72!X.I-&2.#0U&@H
M5*]N/-+]XKK5;=X6J*Y-GEF^7*#"8XB%FD)'FAER5H(0@\?9@?74C4[[]IUW
M$)9)04IV"Z H9EB6H)!FN?E JQC8$IJOU0/J8NW4   #7X]=3N&XWNXU-UF9
M312OF<NDNRTM8T(-6K, +YN_LRPZ.@V^8K)TIM5%;Z=:1L4Y'.?J<":B3@YL
M;6A2<_*IX8W-;(3\ '3[:8]O?C!V]KZ@Q]=]*_CUIT?4O3/3O4^VY=7L^EU.
M?2V_3QG_ %O_ %WS%',^9*J.1>:O!=7U^_#2^;R\_P">:&<[5SM*^5?B1=/P
MKX<,O'%2_P#R/)_&H?R5\=TIS ([+W"M)9(J@[?9)E\(=HB7/1*9N1MC\DT0
M<(F, F$ZA#" CRY!PS>C^TZ/<-DKJNHJ)V&&J8W2Q,U:.]KL)WJ-<64=PIHN
M6))WPNTKK3B>)&,]UNV]A\*UJ!H2D,9=IGJ%NLB+C/+/(9 A[/M4IFO42R$I
MUFHJ%,?<H "43Z?  #APVFXWW9TE19+/.[T3:@N',B:YROBB*DH,PJ#)$^G$
M^Q= ]B=5[-3[KW&:V&YNB= E/4<MFB-\A&3HWDG43F3PR[%P@73*5?*Y7'2<
ME3,0L\D*LI1\L=.Q+)0(B*].80HFBW1+.BF5-LW $B:B83E*!C:B(\(.\T<E
MRO=;6U,TOJY:J5ST8 U2]Y) '!4'TG&RMA=,;';MH6RU4DM6VGIZ<11 :'(R
M-SXQJ>8B24"DJ"3B1SZWL<E?(3,\+=4WBXL'#RT(!9XGFEF ].R2Q')6HG!0
M,D4:I.%$$0**@)" [A'37BUM6TZ*?T9?45 ED,1/P@?B.:'9:#PU%,_;A+WS
MJCNJBAJ[1&RC]'3<R$+&2\MA>6M)*H20T%Q1%5 . CC6S*H8V)L=ZPIABDNG
M2>;&,56RK-<)JME&#8HMU=9L#E14W:ZE,4W+XZ<N&??-H0V2D;6TE;4FH;,Q
M X-TYDL/V N0R0\<*G;W6*^WBY\N6FHFK&]Q+62@J&AWWR,R<P![$QUU_EM=
MQ.$7*[94E IB,%@2#E(;"L]9)PFI9V)D*4ZYLAWE JQ2'U*)1U+_ $U 0&_/
MKG1PF65\KFS\.6TY&.3P!^O#@VQ2,ZM7%VVMU%S*!L3J@&G)B>"P !I<_6$4
MYE,QFN.++<UKZ4IIT+JDH#H-K>Q(Y6Z%AV<"9UU\%L<Q'"BWN'>)B)IB4.8!
MS^ CP 7BOKZ&6'D.86N7)S,P&D(,FY'RA0I[<2]Z[9MW1)E)-M!SII+G/)'*
MVJ>)"/3A6Z#&UB*>)=J4<$.>)"4!A=+Y[0D3(3%0D;!&6Q8#-HVC+,L B(F5
MQS!#N>HLXDWKI=94$B!H"A"@4NFW7GP]^@^UX]\4=SJ;A52POIYH&)#I0ZFR
MN4ZV/S':B)W8PS^XW]Y_5#HK5VF/;UNLM0VXPU)D%1%4NT.B?!'&UG)GCR)F
M&I053),"[RU_:6O)BI\:CZ882; M4*R+=64L:R <H]WG&5%6;I'8S+--9(ZK
M<3!R 2F$1$1#0.+/<>WG;?W'56JFGEDB:Z,@N;&7*Y@)4B,#M[EQJ3]LO5/<
MW7#I%1]1-R"DH;Q4UE7"]E*UPA'I7-:"T2RO?YE*J\^"8XLZL?!VR^$-AI3'
M%TTZKKOHE-GEE#TDET7@D1 Q,C(98J Z_$HF'4>? U2=1]X;<C^4T$L)HXI'
M@:H%<A5Q4AS04/ AH\5P>73]H_2OJA<Y=[;FJ+JV\US_ ,84]0R*)YC:(V^0
MP//!H.;G9]N")F-^1#6\G+$M,8>N".3X&V!VMF-F]70V.8CT3J__ $J*F11$
MB@ 4 *4#[?J >? $W;\-PI'W2IGF%74.,K@  W4][GE!I) 4\%*#+'0>HU^V
MR#M&V>F^340-)'KA<Y_*@6%FIX>T%Q8/,=(#CF@X85XO,,'#R!D3!4$$5XE9
MN<'%X.<V6)A62ELAWJ B>>Z!.J)#:[0 OU#P>UO4G>4MA] ^6G%,:9L2",+I
MTM:.)*E.]<^S&.K%TXVG1;UH[O'%,VO9=N8QPE>1K$I<"6 :0%[ !EDO:8;T
M59%?*Y,]*C1>,--:OLA3JI6!:!Q!-+$W"JJ E-DAQ2*N0-NO/0!XI))ZZ=[:
M661SFOG8/+&W(%R=H(7W(OT8WK<H9[I"^W5+TIIM37Z6M!()4E2TH5[3]&'K
M6><UY,XQ<K92CX%LB2L&BRZ25A6@8SE,N1QH$24,I/J&2*0W/4H@/SYARX[[
MX*RVLAJ8YWAW./Q-81D/!@/UX[MJ]/;7!N*%\4TS)BQP&HM5 TD:?(GLRX=F
M"#7C>IIZL+5:N:8CVS5ODE;K*)(6-8Q^NNI)+IIB=PO.'.4":_+3@;?N&]\Y
MLHE8XAI&31VIWK[L%F[K,S;\--54\DKY9I"Q7AI^R2OX;6D9\/#B,?7-&E28
M]3V-I-J:8+LWEL2ZIDG%C6*8B3E/#5"@L19.<(<QC)")1 VX-/@ <?3-QWI]
M8]TCV@\K3Y@"@55[,_J3'1L^TMO\M2^KE='+$UJ:&M(*E"JM<3EGQ]N#]5.&
MTOE]$UK*251 @=K/VFQ9-8ZQK!(W12#((U5RH5961=.7 JJ@!C@([0^!0#C0
M/1RS3[HL];4UE:]H94QM+8XXBW)BCXV.]^>/,;_\A75J\]$NJUGL-DM]+<:.
MKL(G=)5.J1I/.<T@-IY8FH %0L)\<DP%O+/-J^K/*,0PV)I6"E(J-H[#73)2
M5SVR>]*A()3#DS8YV,ZU052*8!T,!0,&O/4> K=FVC#O"Y4[ZFH<YDP(/D^Z
MW+*/_EAX_MUVW0]7>BMAZ@WYLE-<Z^*4.CIR1"WE2.:W1S#*_,<=3R?9PP^,
MXQ2GLEL&"R&4J!(TM-,*N>N#H6)8*22:RS*%!,B3?U,2BF@4"Z;A,/+4>% [
M<UUMCW6Z-\+HXW/ ):U4"D:D("]^0]F-E;9VK0T^W:2EIYYG%M.X(-*(PE%/
M!?:/=@=$4JQKY:K G3L>#IM;\L4D@>Q;*U.Z08/Q*LHCZR5L*ZG2T$N@!S^7
M%-%;3-&)GS2ZI '%&9*XYIX=V+T;'MS+-\S94S^ICAYI:6L+5:KP/RP449Y\
M.![<,*J+(P1W8DXU_8_'FQS8E;8J*DL&SU5!(6#F#*$,*N0K)I X -# &N@#
MRTX93]N1TS&S<Z9TC"QP+G1D9D!" QI1.Q01WXIKAN"^W&W/IJB:$-DTJUL(
M)0$'(J=.:<6G+Z<)M'YS796-K+LZ/Q]N=K24F=0H6%9JZ*[<V48811NHF?(#
M W(<RA3:AH;4OQ .7'9N2.=MO;,R=Q:V=I1-"Y/R4 ' =N'8%OZDVW]$[GEG
M^15LC1)R7,CD'+_$&@N8\#S!"K3EP0YX6)"T,+84W:CEO2&*],N15&FNW-G-
MFF15,H\S;I;G!,B(L!D>F.@E. ?5S >0 'PU%6*J-YE<XL:Y%C7)P:J\"4[/
MZX7%7^VGIQT;I673:DEP-37RB)PFJ(Y&AL?F"!D$1!).:DA!D <\#MK8F Y%
M2+E:1H['"HM;G432;L[#M%%(3*X! '6<G6-D+@ZBHIE NT!('^G%[1T4EVK3
MZN5S=$;0-)!^(N!7(]V6"?95'R)JL43C YX:27$/S;F$4'+!&89M7T?2]7 V
MI:"%FMDMIJHH+V!9I@;*^XDTECI+^OE65ZWQ$-?^C3B;%>+GLZMGI;+4,93R
M.CD/,C:[- W+2&9(%S"KVX*JGH]MKJ34FX;EFJA44HY;/3.;&"' O)=J8]2I
MR(0 =BYXZK0M[#8R!J!$*1Q1<IJG1<(=7.[.(=!-7(<@,9JF=/)4S+$$XB("
M;F&OQX.=L;WW.^CGE;4PB62I>X_A!%0#(<>SO.$QO']I?2ZZ7XQ5;[JE.QL3
M2)V@Z2USLUA*N4]B!$R[<"Z]K+P-QFHN'=&8NY56P"LW)M<]M!(0*I7\ H@B
M5%#*"DT1!< #4!'Z0UUX7]QOUX;75$TCXR]U3(X^0<0\GZ,\.#9^UZ;:]BH-
MMV61[;11QLBB!<"0UF04H%)[<D[@,3 D,TP=/R5:I#3L&+D+NQI+O??EC J#
MCWS%$(X%N&0=H+DIR (%$0 >#*DV%05.WA<I*JK#WT#IR!I35H+D'X:HO8I*
M=O;C&%WO(9NV=86%+J6:B9-?FES< J*.PHGA@.UU>.,ENM@5&C<1;N$Y3/-%
MRYO9RQRJ-<2S%P)U$E<F*FH8_;" B;F.[3YAQ,W3O#=55L^KIJF</HWTA86\
MAG!$RR54PTZ;]M/3K8]Q&_+.;@+Y:I#51B2=KHS)%YVZF-B8X@GCI>UW<1CW
MK^_(3+!SJ"?4EAS=F\J*P#NA:YE:0+G2:-HYR")%E<K733*JJF &T)NVB.@_
M/C-FW*ZI=?::%LC6R\X9Z1]S5V@]OU8+G=9=UWD&WU#* QN<TG1&]OP^UQ]_
M;[,#^&RFN(^N[F>,Z3@2[,7PA%=-7/K-5273-8^.$3 ZILCZGZ1R 8H@(?ZZ
M\,S<UWNMHI8JF!Y=(V4-SA!"<M_<A^R.![_<1[3W1>-P7EMNN(;''H>5C825
M9PXN=[T3NPV(;-J[>U'F@KTCCW;I676I@10L*T"%.NIBUJ"DL993(Q.W% B1
MP*4HA_V@ZZ\M*.S5==O>K=379_*C@C<YO*0$ESVM*KJR1H1 ,UX\,,.MH)99
M(@V1P]X_J,/Z#?55*4WCZRE*172+:M@D3;$L:S"@50<,JI9PN"HSAE3F6(=,
MNFX _3Y '/5I[0V=213U,<-54!OX7$-=_J_>8<)KJ9O>^]/JRBI[6V*?UK'E
MW,8_RENA$+)8T^+-5PZ<MR&M8G!*<;(TQ#*-E,:S95)!6P;*,5N 6CF1%44U
M"3R?<E%9N97Z@$VXWQTY<4FYW72P7N2VTDSY&<MCE?$Q5=%GF  G=E[\-OHI
M65?43:#MPW%YAK36O@+8$$?ET(?/S"OF*^;NX8'-V6CA<?)X.C^QV,KE_9:M
M%$A7SVT$S)).(1P<&Y%$<E0!4A"A_377Y\"4-WN!:Z225FITV:)_]6(6XNG]
MFK[]4S5;ZN5_,TY2 9:=/TI]>/VSLGK-S<[Y9S24.JY<.Z[75<#8]FMP%1?#
M<-5T(W)D!B$$A5 *&H#IM#B]H-O,K+<*V2:4&2,N(!9Q=Q3R'+NX^).+&WTL
MM)30TT$S64].QK6:V Z0WAV!3W_4F)!PMI8G_*1%$M-8T14WD!)- ?ES>RA5
M%P%BO4.Y%'W-VW<"J'5V[=N[_P!GEP7UN_\ =1VM+;Q/$8/0HAA;PY&E.]$[
M%QANGZ1;(I-SLW!%'5_,V5WJPL[^7S=?,S8& :=6:<4[<!#QPR>NW=G0C8E)
MX^T[K$+*0.NC8%EJ*$(I6&6BZ3 JV1+%U5;%Z8CI\!'3GSX2M+O_ '&^KIV+
M3.=SFEVF(H-+FN"*O:T+X=W$.QN\KKNZ4[8N;(S1U8=$\Q,>'!KN):7RO:'=
MQ+7 =V#84:M"OKE *=CNG^UIQ62+8=B"1PB&:X4045#EGQT3*<Y1Y:#]/QX.
MZS=U]W%)#;*Z: 4SY@3IBTGRL>X(2HXC/+ACMI]DV38)%_L0F-QC8& /EU,2
M0\MR@!KN 4>;CQ!X8'56R]9Q-:W,Z84S$)@9W5*;A)>P[,<)K%-EJH(B=4^0
M&5;';FYEVB ?UUXM+-MJ&\79E'/43, AD<K4.:_]DY8$M][DK:W;X97Q0&FB
MJHR&LYC0J.XH53S'ZO'"YD=H8;!4FDNWI+&UD5[EAVQFRN<6@8J9O8&9+IO2
MN$I\JPG$I#%$!.(?5\.#*FIJW9%T9\CJ))/4TQ$AD9%(1IE:FD\MJ?$575[L
M#6SNFNT^LM!4T6Y1404UOF:Y@IY9&*YS9 22YLBY#(@#Q48:N5Y=7.7U-4DG
M*TI!DZ&4W(Q;(L["LQ!N@4J=5J+FWCD"BKIRY45*)P,8P% @?ZZJ[?E57[@W
M!ZJNG#G-IXV@QMB"@OD))1HS^CV8UAT@Z,[2V;8*RR6"IKFVGU4<I8^1DQ=)
M*T N4L"H&C@@'<B8=4];N*X5AE0PD72N*JQZ=8.GC<C[-[0761!YG]@%7;%<
M)Y.VW-U#("8#B01 1_UXH[9MJDJZ=TLKZAA$A:I: U UI[B5\Q[4X8A;OWK?
M-A[@GVU9W034#6Q2-=+$'2J\ DDL+&:00$ "IVG";<H5-DE@L9^7IJ/5E)?"
MZF?/#-;&LEJB50V&P":9$FR4T;4B+9,I0 QCB.WF(\-?;NPZ"HLL-0^IK&@B
M1J -/"0_]/"#W%UHW1;[U44?*HW'4UVHLE)5[ XYA_!3EEPQ]<GF*T1\F9%(
M*6ACN$;5@R \-85D@H*A/10*Y.D2?31ZH[-= ( ?Z<# -;#0.A;/^&R)P T,
M3RN+1]GNP=,W]?G-92CT_)D# 4$G![0J*4R7+L[UP0J\SS YCR)"&7I> 0+(
MV+8+%P\;YY9 N0!24R9%==)%6=6;$66 !^"8@41U . NF,]6(*$S ->Z)A*,
MX.12,N/=Q]F&A?>A6S]HV:JW?:Y[B+O04IJHA*^,QNFC;K\^EC5:04.DM7L3
M +KYQ5F*1.93T-2L6D^8TQGQ03<V-9;Y$S1QC94W#=5,)]%4040$ U X&#AF
M[RV;2;5L=1N&URSR55#(S3S6Q<MQYFG-K8F..1/!XSPE-@]7MR[MW906&Y14
M4<-6'.)B8[4$;J"$R/''+-IP@85:F%2^$W4W>4CC!&S?#,47611L"TB]R YU
M&))D.HKDYQ13(8P#M+M'ES'A=;9W+=;W=X[=.]L409(]60YJ&% I)">P+XXT
M36Q5)Y+];@P2.XM"K["&D8=E?9]7S6HK%.UI'&DTS6#7Z:[=3/K+5(=4[&1Z
M"HKJY$*@'3 O^T2E_P!.&#)N2^;3K8ZZTU$3ZB2!P/-C#@@<#DH!'#O.!'<O
M1?:O6?EV/>LM4*.D+IV.IG,B>)$T?$62A"#P(.>>"'^]6,PU-XLHTI;%.V7L
M[+"'1<YK9ATRK(0"/ZA%2920^IRFT'74/].!R\U]UWY7&LOLWXL$!8SD-9&
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MQN]5(TR*(,5 QG$LNFD@"IMPF'F8 ^7#$Z=ON6X]ZT=MJIC#&\2OU-B:2-#
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M:UDCC>=3X(U).AO!.P ^.!?;W0?8?5NS1[KW"VX1530ZG#8)S&TM9*=(S$A
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MP:Z?T#7B=;J22^5+_63RL>R$.\C !F<\SJP(67;L&WW2,MTCV\UP77H)R[D
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MPQMH[)HJJLJ&F>J$;(&$N&D@>9%30IR[NW&>=[]9=U4XIZBIAH7R.<Z/\MZ
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M^9KGU:M6I?B15\.&&[6EGHNKOC&1ZOI),BLOG::JS? E4W ]/$<O,H(')-F
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MNX9XD],6.FMY$#UJVIDZJ]C8TJX<GP  =*K.&D"L+@YBS9DP7.<YM! H!RY
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MI&7 @@Y@@\,*/[G"?RN2;'K>F@$WD*Q:&<&P(H/ (;.VB0'[D9DNKG8(#J!
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M9_\ +^]G$^O_ (NNP]N-/0_5/XZ=O[5WN.S],[GZ/1^IU=G3_3W;OGKQ$_\
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MX_W?PF .^_I;YC+^H_0_-?+S/4<KF_#Y5U^;X>[!C#\5'79:?PD[KMX?T_\
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M5KTC7RONZG(NG+XM7_+'$O\ @"]"C.X_%Y[=]1F_2>I_'3TKU7IP?N#M-?\
M'[[I^G=SI]>G1W?[>*N7YSSAS?4\[QU_\OIQ:R?/^8.9ZKF)_?CJ>_@.]/@/
M4/QB>F>E._;7=_QW[/T?W%-]WZ1U?TNR]R^H:]+Z>XZ^G/?Q;47ZSY+OE_S#
MT^LKHYNG4C55,OATKV)QQ^1?/N4[D^JY7:FO'?*_@@VQWK/XS-OH4-Z5ZA_'
MG_\ 9KTAKZ#V77Y^C>B]'MMGZ/0V;>6G$.;]3<Q_-]=S=3M7YJZOM<,UX</=
MB\H/]P?3L^7?-O2ZCIT<[0NLZE3RIJ5=7E[\L>2?X'_="WJ_XS/>/JK;K]]_
M'KU_UK5KV>_K?YOJ/_8]'_O--NSEQ84WZZY$?I_FGI^7Y/STT+X]B]^*H_J=
M7+ZQ5*_'Q[<<\/\ @8]ZM?0OQE_N%[D6[/T_^/GNOW7ZHMUNWZ7_ (GZUZIO
M_M_5W?#EIQ6._4?*\WK>3I_ZB:5S]RX_)/U-R#S/6\A"J\Q$[5\,.7__  B=
MA+:?CF].] E?6M/V'[;VUZ2X]<[_ $^GTGT;J]WO_3Z&_J<M>.#]0Z@GJM6I
MJ?'\2C3[U1,0&_-=3=/J-2Y?'QPR(?\  #T)[T3\7?;>DE]S=C_'/H>B>LP^
MWUOI_I^G^O=A_P!O]'<]'_=MXG1_K+FMY7K^=GI3F+\.:)G\..^'YYS&\KU.
MO/3\7OXY?3A;B/P1^CS/HGXTO1.XA?7NP_C]V'>:R7H7JG2_2[O=W70ZOZFO
M4TYZ\6=)_N5ZG_P?SCU6AWP\_5I5NI$\=/#/N[<4^X='IF_JG1Z3G>7U.G1S
M-+N',R73JX9>_'0[_!7Z&T[[\:GMSUISV7=?Q]]']P^G)]UT.K_B>K^F[=^G
MZVS37GQ\5W^XO.9\R^:\_E>7F<Y=&KLU?W>]<#E#^E.4[Y?Z+D:VZM'+TZD\
MJIEP]R<<?-S^"?TJ#[S\:GH^LM[>[K^/W9_]HQ]9],ZWT;>OV_5V<NIM_P!V
MG%)/^IN8>=ZWFZ!_J+I5VGAXZO'#%VW^J?1R?I+U_P OYAU^FYO+U(U5Y?E1
M-/\ :GOQP3OX%-(SW)^,73T)KZ-ZS_'?;[=[Z3[/TOO.7IGJ'=[.E]&_J:?[
MN)M!^MN0/0?,N3S#PYWQ(U>.?#3C\J/U3ZYWJO7>O5JZN;J72-/'^U.&..<_
M +ZS_P#2+\7GK_;P?_Q7^.?JO;>EQ_M[3N?\KI>C=MVVG+MNGM^C3@<J_6<Z
M3UW.]1J?KYFO5J7S?%FJ]WNQ]M_57(&GUO(0_?\ ?XX53_@@]UFW_C0]Z^MF
MW[_X^^XO</5'?OU_S_5>M_7]7=_KP1Q_K;TS>5\R])R@FGFZ.6@14RTZ4X]G
M''0[]1Z#J]9H3/\ ,1/''! ?@-]<)[:_&)[CUEMGI/\ 'CU?_P!V<^L?^[?Y
M>WMNKU?EIKKSXHZ?YMJ9Z;U>M1IT\U57)$S5>';B,[YP@U>I3_OX_83\!W:S
M'M[\8?9>VWWKWI7\=^V]J]NEZGZIVOZ?H_0V=?J_I_#?SXOY?UXK>=\V74$7
MU''LQ*D_4.H<SU.K4$^+CV8]$?P%>D3W0_&#Z'_X1[DZ?\=O3O\ X@GZ)ZKM
M_0T]4V]OU.77_M^K7CIK?UHC/7?--.LZ=7/34F?AP[\L?@_4.INGU6M/*FKA
MX)_SPC/_ /R]OMUOZE^+#VKZZ';=S_'#T7W)Z8IMV;_\3U?TC?I_WO;Z_P"W
M7B#)^HM?XOK=:=O,X?RQ\S_J'6WU'JU7+5K3WKDGMRPM1WX#?;T/Z5^,/VMW
MLY[?['^/'H?J'<-?<7H_0_PN[[CH]UT?KUV[_EQ\P_/L^1ZI?#7BTM'ZXY+_
M ))\Q]/K\W*YNG5I/%,OA7P]^%^0_!CV<+ZI^-CL/0T_0.]_8#M/;O57Z/I?
M5_1]+ZW5V=/]/?NTYZ\$=I_W)],WY-\Y])S')R_4:=>6KAEQ3CEA>[F^3?-Y
M?UCZ?Y]H9S/5Z?4:=)Y:\[\33I5$R3'RG/P5^M?_ $B_&K[@[:*_^*?Q_P#5
M>SZ27HVWN/\ *[;H[.WT^G;IMY:<0)?USS).=\UYNLZE]0NK[2^./EGR/E-Y
M7I.5RQIT\OX>Q-.?T9X^"GX(O=WZOXS_ 'QZ\U^/\>_<ON7J(=GII_XAZQU-
MG3T_5^&G'ZW]<^G"?-/3:#QYZ:4*\>Q%XX+?_7.0$]3Z7EGAKT:-!54\NG0J
MKDG'"RR_"#ZPMZ;^./U[6:ZW8?L)ZIN[9[Z_KVW^3N[3N.Y^?3ZF[ENXA#]4
M\MFGUVA6Z4YJKEI1,^Y,)FR?[-_-X?T[^G?G_J!RO3^D]1SU*:.7^+SE7AYT
M5<EPT8G\!/2D_0_Q?]'V^^]8]-_CKI[8W,_4O4.WY^B[^AUNI^CKLW<].)E1
M^N.4?4_-.3K"ZN>FK-%7+OXY8>#_ -3ZO-ZO7J[-:K[L<D?_ .7[]/G_ $O\
M6OI?;QGN;LOXX=AVG>*^D^L]'_'[?O\ ?T.K]/5W;>>O$(_J?4%]=J[/S,?I
M_56H+Z[5FGYG=G]6.IG^ CT%[V/XP/;?JS'U'H?QV]*];[8_IW?[?\?O^SW=
M+J?7T]=.6O$FE_6/-=Z/YASM.>GFKI4=WBF/S_W1J;_YW4F7YG#'X^_ -Z#%
M>H_B]]M>KRGHG>?QT]%]:Z#3UGTWK?X?>]#H]ST_JTV[^.JJ_5WJ&>K^9\_2
M-.KG_"I3P15XX^3^I_/J];P\WYG#QQVF_ OZ7 [_ ,97H_9._;?4_CUV/8>K
M/.^]+W_H]OZSU^MT^76W;N?$BG_6?*/IO7\O453F<4S\>&*2YZO6?^K:/7<L
M?F:=6A,N/A[\)F1?@!ZC;W7^+[J^WXGL_7/X[;_;/I9/1NV[WZO2O1]G0V?1
MT-NGTZ<453\Q]8_UG.]=K\VO5JU9=_;PX8MK?\]]!%\KYWH$=HY7!%\R:<^/
M%<+#_P# ][F)ZG^,_P!W^HQ^SO?X^^N^I]TW]*V];_,[GN>EV_SUV;.6W@CI
M_P!=^DC]+\R]#H\NGFZ-&GPR1._'?_[HY17UO*S5>8G:O''"S_ ;[N0[#\8?
MOGUIQVW;_P >/<ON'>Y[KH[/_$/5]W5ZFW];XZ\0/_=/)_\ O>4A_P!3AV^.
M( ^<:0GJD[$YB\?IXX_,6_ 9ZJ/LW\8?KGI<UN]!_CQZKZ/Z.^]P[^S_ ,OL
M?0NY[O7Z.WZN_P"G?Q]Q?J[GLY'S#U/,9HT\W5K7R:4S7V>_+'W=?G/RZ?YU
MZCY3RCS>=JY7+[=>KRIPX]J)FF%YO^"[T[(.U_&KZ3Z,3W/T/X^^G^W_ %J(
MZ?K6S_'])]P=CIUOTNZZ/^_9Q>5W^Z&AGK_G>CG#3J]1^8CD]Z:N.6!:P_(O
MF'_MCT/S7E._\MR>;H\NO\KS_=7M3P7"U7GX4-N0_M=^.WIZ0ONCV9^Q/1V]
M>7] ]:])_2Z?<][VW6^G=U=O/=Q]6G_=3UP^2?/?F/*<G)]3KY:LUIHS1="^
M[%;U0_1OZ?I?]Y/E?Z7]5'R/F_(]-ZC1+HT>K_#YO+YW]VC4N6%?-OPU>B17
M[@_C\]O>L._1?=/['>E>N>GQ_?\ IOJ7^-W_ *9VO6Z?U='I[OIV\=>X_P#=
M#G1?JOYYS^4_E^I]2O+U-UZ>9V:D5/\ ''[T?_2/I[E_L-Z#TW-B]=\CY6GF
M:9.3ZCT/;IYFC7V*F288K_\ !+Z-"^I?C2] W3?M[N_X_>E=3ND/</H_5_Q>
MKWO2[KH_5U-N_GIQ34_ZP\_I?F"JW5IYJK]GAGP[O?@XW!\U^8L_4_,^9<EN
MGU'Q\M7:?S.Q=2+G]6.*:_ ILA_7_P 8_3]%2]"]3_CSM]O]_)]#T[N.7I?J
M7>=/9^GUNKM^K?QW0?KE'<CYM\>:>H^)?X\,?-M^9^CC^4\WT2NT\M=/'S</
M'OQ8K_\ VS_QI_\ Z0?Q(_:7_P#=?]B_V/\ ;?\ _!W[;>TO_P!7>G__ *+B
JB_\ 4_F?^?\ -^?_ '\WFZO_ (M6K^$QT_\ C/7?;]?S?'5KU?SU8__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g912276g45m22.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g912276g45m22.jpg
M_]C_X  02D9)1@ ! 0$#P /   #_[14,4&AO=&]S:&]P(#,N,  X0DE-! 0
M     $4< 5H  QLE1QP"   "8  < E  "')R,CDS.3DX' (% "1-:6-R;W-O
M9G0@5V]R9" M($=R87!H:6-S(%!A9V4@-BYD;V, .$))300E       0>!A$
M X%9N*.I:T/WO"KWR#A"24T$.@      Y0   !     !       +<')I;G1/
M=71P=70    %     %!S=%-B;V]L 0    !);G1E96YU;0    !);G1E
M $-L<FT    /<')I;G13:7AT965N0FET8F]O;      +<')I;G1E<DYA;654
M15A4     0      #W!R:6YT4')O;V93971U<$]B:F,    , %  <@!O &\
M9@ @ %, 90!T '4 <       "G!R;V]F4V5T=7     !     $)L=&YE;G5M
M    #&)U:6QT:6Y0<F]O9@    EP<F]O9D--64L .$))300[      (M
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M9"!5;G1&(U)L=                %)S;'15;G1&(U!X;$!RP
M"G9E8W1O<D1A=&%B;V]L 0    !09U!S96YU;0    !09U!S     %!G4$,
M    3&5F=%5N=$8C4FQT                5&]P(%5N=$8C4FQT
M        4V-L(%5N=$8C4')C0%D            08W)O<%=H96Y0<FEN=&EN
M9V)O;VP     #F-R;W!296-T0F]T=&]M;&]N9P         ,8W)O<%)E8W1,
M969T;&]N9P         -8W)O<%)E8W12:6=H=&QO;F<         "V-R;W!2
M96-T5&]P;&]N9P      .$))30/M       0 \     !  (#P     $  CA"
M24T$)@      #@             _@   .$))300-       $    >#A"24T$
M&0      !    !XX0DE- _,       D           $ .$))32<0       *
M  $          CA"24T#]0      2  O9F8  0!L9F8 !@       0 O9F8
M 0"AF9H !@       0 R     0!:    !@       0 U     0 M    !@
M     3A"24T#^       <   _____________________________P/H
M /____________________________\#Z     #_____________________
M________ ^@     _____________________________P/H   X0DE-! @
M     !     !   "0    D      .$))300>       $     #A"24T$&@
M   #-0    8              '@   *]          $
M         0             "O0   '@                      0
M                   0     0       &YU;&P    "    !F)O=6YD<T]B
M:F,    !        4F-T,0    0     5&]P(&QO;F<          $QE9G1L
M;VYG          !"=&]M;&]N9P   '@     4F=H=&QO;F<   *]    !G-L
M:6-E<U9L3',    !3V)J8P    $       5S;&EC90   !(    '<VQI8V5)
M1&QO;F<         !V=R;W5P241L;VYG          9O<FEG:6YE;G5M
M#$53;&EC94]R:6=I;@    UA=71O1V5N97)A=&5D     %1Y<&5E;G5M
M"D53;&EC951Y<&4     26UG(     9B;W5N9'-/8FIC     0       %)C
M=#$    $     %1O<"!L;VYG          !,969T;&]N9P          0G1O
M;6QO;F<   !X     %)G:'1L;VYG   "O0    -U<FQ415A4     0
M &YU;&Q415A4     0       $US9V5415A4     0      !F%L=%1A9U1%
M6%0    !       .8V5L;%1E>'1)<TA434QB;V]L 0    AC96QL5&5X=%1%
M6%0    !       ):&]R>D%L:6=N96YU;0    ]%4VQI8V5(;W)Z06QI9VX
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MMWE_])P[*LC_ *RO05Y[_C%Q[ND=9Z9]:L1ONK>VJ\#3<YFZRMKH_P"Y&/\
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M+_RQQ?\ M^O_ ,FJ'UU]/_FEU#U-FST1/J;]GTF?2]#]/_F+Q_\ R;_W1_\
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M &\ <P!H &\ <    !, 00!D &\ 8@!E "  4 !H &\ = !O ', : !O '
M( !# %, -@    $ .$))300B      %&34T *@    @ " $2  ,    !  $
M  $:  4    !    ;@$;  4    !    =@$H  ,    !  (   $Q  (    >
M    ?@$R  (    4    G $[  (    )    L(=I  0    !    O    .@
M+<;    G$  MQL   "<0061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD
M,C Q.#HP-SHP,R R,SHQ.#HR, !R<C(Y,SDY.        Z !  ,    !__\
M * "  0    !   "O: #  0    !    >          & 0,  P    $ !@
M 1H !0    $   $V 1L !0    $   $^ 2@  P    $  @   @$ !     $
M  %& @( !     $              $@    !    2     $X0DE- _T
M  @          /_A 4A-30 J    "  ( 1(  P    $      1H !0    $
M  !N 1L !0    $   !V 2@  P    $  @   3$  @   !X   !^ 3(  @
M !0   "< 3L  @    D   "PAVD !     $   "\    Z    \     !   #
MP     %!9&]B92!0:&]T;W-H;W @0U,V("A7:6YD;W=S*0 R,#$X.C W.C S
M(#(S.C$X.C(P ')R,CDS.3DX       #H $  P    '__P  H ( !     $
M  *]H , !     $   !X          8! P #     0 &   !&@ %     0
M 38!&P %     0   3X!*  #     0 "   " 0 $     0   48" @ $
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MF+2UUAHQ,C,Z6=37_\0 ' $  P # 0$!            !08'  0( P(!_\0
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M!X8;Z1S</V7-F^]W2_5XZ3/:Y2?I2E^R5NG3B+V-HOA)_!T]_J#Z2]"@[_\
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M?8Q(!>0;FR1S[" #SY^?5/?\)S2?TW;3^X:)_P#J_2SZ*TO^21_O!OZ/0_\
MO54?ZI#_ +[ZFMW2NP\?V]>.\9R&I>[YC=T")?(6I7V/-UP-3%5"*LHYS$):
M5%BW"S() =LC$;626G6A5(D+#$>4MS#CN$,G"_'2\0W!K?-0I0R&!YH&%29^
MN:(J7B ,$6&$1:4')[,;]V-$;7?FKZGR::&.+>C%"K$Y9>94AN7-<X]\8P<\
MEE=F+EG]]]V_=+W*7E5RNPM<QZM+;1=(<RZ<Y;M=BA !RQ[JLY4^9::<15K6
M61_I6;-E-_[C+B4RCC*T_<B_UD**%IZEO+:4 8415#,Q11X"*82Q >"H#W$$
MJMUI?(ZZ>+&$+=9'\6_:'[,E3CQ&N'/$K<2ONU\+HCD'7(ULB[\6[.B>DG6F
M,+.-U/>'@*[= V\MHPXYB&G,5"UN+><RP!#0UC>2CUR%*Z-]&]V\BO+V^1\0
M72+8H)[(JX TD)][?'UT7+FSO$#W#6[P]5^3UPB8XCJ5ZL^8..<9_;E<^9OS
M:+;N#EUN'N*ZD[:G FK"2<E:-51S6K7FWUN9&MFP)NV.T#7$D2YE;BW0:?J.
M-K+),H1A&1")BW..*]G1ES-0I+31\/5?$E^E*K%5L:KD!F*".+RBI4=PW35;
M2D(.\)"!SY:9(:..UR7*O< (<M$ 1Z0@,5]YFD.T=V?GUZ+_ !ST=4>-.B=3
MZ#HC64574]&@:9&O+;0V1)KB@T(DIT]+>$H5*6&54=.2KJ<8P])2)3WHQZ_7
M/%QKI;E7U=?/ZK5SR3,/!0Q[*+^3&FU%\RJ!I!FE>>629SEY'9V/OL<ZW1UI
M:\]!#\5/\\[0'V7X[WK;-ZNG1=["U_Z4?[)2Z=>%_6U9\:O\,Z<?0?S$I7U2
MKG]'#ZB$_J\WQLGUSI,?T[?";Z3KZWKRU\ZSK-9K.LUFLZS6:,)XJ7YEF@/M
M1Q7NFVEU3.B[V:K_ -%O]KI=,?#'K^3Y,_UX]4)[$7T3W$3]1[1]^FS^@''7
MMKNWPZ7[#2Z'7CV3K/CC] UWQR<XW:LY;Z/ON@=QPF)JCWZ)4"4IKRVY6#E&
M%I*A+17C'&W<1]AKDHT-*Q)GEN-I)'PR4R2$^4*^!MERJK3705]&^R>G?<,\
MTD0\GBD7ENCD4E77S'((8 C3@GDIIDGB;;)&VY3_ /1'B".1'B->>9/$<D>S
M)R!Y6<4+_P"WR^N-[Z4V/JRPM!M.#UW:-$O-2MD#JK<E68()R./*UN;D%//M
MY(()C,8O%'(?]J=>):Z"C^YO&-!:KK3[4J:&MIJN,L0TE+/!+$]513;>925%
M\P#_ 'B<#& 7L""]T]-5Q!5J::6-B#RVE64R1,<$E&&6C/,9\02^J]>$U_+W
M.C]4<=OYS=72ETK>I6+XRY?5H-"^*O5*3X$GUETS/J-Z4M2I[WGT5W,/ZCU7
MWGT;IIX*]M-G^/E^S3Z(6KV2HOE$?TZEAX4[YL?*#]O,'[O8?IIZ4_9*U_(9
M/M#:*<4>OXODJ?Q9=*EZENEO1.>QUVQ=^<-N9FQ=M;0MNH)VMS^BKO2PPJ%8
M+I*S;<K,;#UK/"ODC6'7]6 1'H#KQK;[K4D\2DET5#8CK2W7F*MQOQ-07BS4
MU)30U:2)703%IXX53:E-5(0#'42MNS(N!M P#S!P"R7>X1U=%31(CJT3)DMM
MP<1E>6#GP\VEC=2G2WKY^UU2M7JL6*E7*#B[/4K;"R=<LU<F@V9"(G8&:#>C
MY6)DP2$+8+!D 2'A2AW4*0ZRZM"L>C/7I%+)!+'/"[130NDL4B$J\<B,&1U8
M<PRL 01W$:_58J0RDJRD$$'!!',$$=Q&A/63L";8T9W Z)9]-['U67H2J[ZU
M;LFI1=TL-V&V1&TP&[P=C(K!P\=KZ7@Y*5ADAFPT7(JL3*)P<<"0DLQ1)A8X
MMIBX]I:ZPSQUE-5"OEH*JFE:&.$TS3M3R1B52U0KJCEE=EZLF,EE7> "6X7T
M5%N>*:-S,8S&TB[=K$8[9!.03XCNSW<N06#SZC]N3G#[?-5T5+5RO[5O%'+H
M=5L-KDY:'A:_FZDC5J:G')*"@['*C2,57I.6-@EB0Y6?AUF-P\H<?+I+,JL#
M4D=XH):Y))*6"<3RQQ(CO)U(,J1[9'C4J\BH),N.P6QDX!6:01^4PF4%HU<.
MZKC+*IR5&>7/&.>I7]A+MIV7@U2MYWO:LQ0[+M+9UDA*M'R%"/GY:*AJ!4HY
M$HV#@VQUFJ'-2$U8IXPB5&8CG1%#0L Y[8Z\E;(S1QYQ)'>YJ&"E2>*EI8WE
M99UC1WJ)FVDXCEE4JD<:A"6!!>0;0.9)WRX"NFB"*R1Q1G"L1S9CS; R!R '
MS:0AU/\ 0/7/_*O0-:Y3<<=S\>[;E#4-M>@SE5]N6WAW,-+OC^U5NQ,MJ2O"
MBJU9!8F?#QE"O07&LY]7/H]'6_:Z^6UW&CN$62]).DNT'&] <2Q$^:6(O&WY
M+'7M3S-3S13IZ:)U<?JG./G'+4$.POPPY4\%MA;LHNU+CJ&S:GVA5XNQBQE#
ML]VEI:%V+4))B/&D6H^QZ\JD>W'35;FY(2:+:DEFJ)A:VV@)UA#SHS[QW>+7
M?*>CGI8:N*KI96C+3Q0(DE-*I8J6CJ)6W)(B%%*[</+V@< F[W5P5RP31QO'
M(@*-NVD,C=H#(/>ISWCN/AI'^P:)6=H4.Z:UNL:S,T^_U6?IEHB2$I6S(P%F
MBBH:7#<2K"D^@@$Q]O&?1G*<JPK'RXQU.:>>6EGAJ86V34\L<T3CW,D3AT;Y
MF4'0!69&5U.&5@RD=X(.0?VZ)GV5>T=-<>N>NV]I;7L]&NHW'$:WU;5S5?(G
M"#W+=89J:I35QF!9:N1(0:PJ7'V89H(8J0RU*V%@MA]*HIIYZK<:<6I<+%24
MM+%-";B89:HR! HAC1)^I0K([',S1'<0N4C((.\X9KQ=O*J*GA170RA))B<8
M.%Y*N"206YG/F'?I?G4CTKZSK-9HJ7?F[9^^.:_)34FPM56O4<!"U?1H=,D!
MM@S]RB91Z4:OMWFU/AL5R@VP1R/R),BMI=?.'(R0@A&1,-H;>=J? G$M!9K;
M5TU5%5R/)7-.#3QPNH0T\$>"9*B([LQL<!2,$=K.0&6QW&.B@J$>-W,D@(V[
M0!A,<\GW_ :4;4@7HNJUF,(4VLB.K\*"^IE2E,J>$C1AW5-*6AM:F\K;5EM2
MVVU93G&5(3GTIQ,)3NEE8=QD<C/OL3I<;FS'\H_3H<G,S@EW7;URPY$7+5/.
M ND:UL^W;Q-T:GHY-\DZRFM5B0G"R(>&37JW3S("&P &MH?$=#E$1POJ>4*Z
MMI*59L%FOO"T%IM\-58UGJ8J2%)YC;+9*9950!WZR642/N()W. Q[R,Z::&K
MMT=) DU"LLJIVY.KB.XEB0<MS/(@<_-KF?\ !S]YW_L)-_BWY7?V-T3_ +Q<
M'?B\G[HM/\[6WY?:?\M7_AP_^=9^#G[SO_82;_%ORN_L;K/[Q<'?B\G[HM/\
M[6>7VG_+5_X</_G2/>RUHOE7H?26VX#ECNYW>5NFMJM3%9GG=F;(V>J'K>*A
M A*B,2FRX>'DX[&9,<PSX/CV70,^T>TY=]H==0F<\9UUJKZVD>U40H8DI2LL
M8I::E#R&:0A]E,[JW9P-S8;EC& -+UVEIYIT:F@$"=7@H%5<MGOPO+_WW]?&
M]^;AMM#FOQHU'KS54[0H";J^]0+G(%;!E;#$Q;T4QK^^0:V WZY5K86Y(9+F
MA7$M/@CC9&;(7DO#J&V7O;@2\4UEN=74523R)+0M"HIUC=@YJ*=\L))8@%VH
M>88G.!C&2/NR5:T=4\KHSJ863"XSDLA!YX&.SY]=?]JG15OXT< N/.C[Y(UN
M6ME$B[T-+R%1,DSZZ0N:VG>;*+F-+F8> DGD-@3(K1&2H@/*"VR&VTNLH;(=
M$<55T-RO]PK8%D2*=H"BRA5D&RE@B.X(\BCM(2,.>6,X.0-2XS">MJ)E!59)
M-P!QD9 Y'&1JA/2_K2U)_NZ=MFF=Q'CL5%,OPM5WIJYB2LVG-B2C3Z1 2,LM
MO3M-M!,>$?*+IEL%#:0;@(4LJ(F XB?$#.S'D1<DU<)<1S</7$,0\M#5%8ZR
MG4C+#.$FB#,J==$3V=Q ="\99=P925KN$EOJ5=<M&Y"2QYP&4GO'F9>]3\QY
M:X4\/_V^]S\'97E.5MJRZPL#>R8_3C$%C74W:Y=8JZH3LUR1S+8LM*J*6$O)
ML(6 LAJ/RYEHKSTC80UE\]Q]?Z.]QVI:2*IC-,]:9/*$B3/7+2A=G5S2YQU3
M;L[<9&,\\;M]KHZUJ=D1TV*X[>.>2#X$^]_Z.:2^IOH!K@KN?:2M?(W@;R+T
MI1SZ]%VJ_5>!C8<^UER0-?&?!O-6F7ER9<1$SLDRTH6-?;;4+$FK40ME"D(;
M4MUL]PS6Q6Z^VZMG61HH)79UB"M(0T$J#:'>-3S89RXY9[SR.W02B&LIIF!(
MCE5R!WD+S(&>6=<']A'A1M7A)H_>=.VO/Z^GY2Y[7B[-%OZ]EK'+ , #5".B
MG&3W;)4ZD0T9D@=:T-CBE,Y9RE2B$KSEM)WCR]4MZK:&6ECJ(UAI7C<5"1HQ
M9IF;LB.64%<8YD@Y\/$[U[JTK:J.5%9 (%3#8SD.[9Y$C':U1;C-4M]P%^W*
M3MG:+=[ADV)<=%!(/DR&0S%A0<FR['1,A&CC5L-+)<D>L.*.>$]:QL5G >1*
M+&V&RKMSEH'IZ(4E+U#]7N9MJJ67<ZX9E8F5N2KN<;OO1EW;JAXXA\[0E4ZN
7,KD!AG')>T""1S8Y YGG@9]T0O\ _]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g912276g50f21.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g912276g50f21.jpg
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M P,# P,# P,# P,# P,# P,# P/_P  1"  ( S0# 1$  A$! Q$!_\0 G
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MLBA)'VAF[WBE-SBOH&DC.=WBK 0V&>1B/;PY&O<G/"KR/YG"881P=M2J ;3
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M1ROD^&]V[^.Q.1NUJ#!!VQQ32,8%AC)1K7 ;DDGYG1 LK9/8L>[NT"'OVZH
MFY)AT;1(;2SB(9L<W3XP^:-H\?>-B;'*^5RN3UX<KE5?\KY7VQ@\*!.E.J$D
MG3Z3/220#T]  FHO+<KY0W/RM;DKP8)V  3R )VL4)W(A4^GKJC]+LWLE)M_
M#U#]@[M?U*[(]AUJ]8^U,Y=UR]<VRS!F@*$O>*-]-HR)&D7KZ(Q$;QQX32X'
M!CB_E%*IY/L&E?#&J^(%5[55=U^.M0'4ZHH^4,;Y/&"N_5!OH;5/M'LT7EQ4
M)>Q-Z$P_^ 7!.D1%LYY-&DXE1YR6+,C).^<U)12H&2QNXY9(QKDX5$7SER;
MX.+"3OCI5&O!C0B&,$?58.H;\-M=CJ51K(W"-O<7L_OZ_P!NJS2VT^SIBVNI
MFQM[%?4H[+SA?L6WGL_UC8>_PJ.(L?Y>_?\ "5''.]K9&\.:UZHB_E? ZEAL
M.<M4::M8M-D CQ,0CLDV/[=]2^5H4HXXPR)@!E *#J$.B?5>S^RI6"73.3L-
M>)$P0%9J)-/:^=RRB*3G<<!*C2/[Y7P*1!_!_JJ>S/PO*>%/(<#@V/JAM.J
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M))F=W/R3DR(QO+W*KEX3E?,C/R'N6\=[R9VECY7P4V31!L<9[&-!K0D]K6H
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5G_[,?_AUJI_3Z/\ Z3?[_P#MU__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6635660080">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Apr. 21, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_navi_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NAVIENT CORP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001593538<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr. 21,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-36228<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">46-4054283<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">123 Justison Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Wilmington<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">19801<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(302)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">283-8000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=navi_CommonStockParValuePointZeroOnePerShareMember', window );">Common Stock Par Value Point Zero One Per Share [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_navi_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common stock, par value $.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NAVI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeniorNotesMember', window );">Senior Notes [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_navi_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">6%&#160;Senior Notes due December&#160;15, 2043<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">JSM<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_navi_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">navi_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>navi_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=navi_CommonStockParValuePointZeroOnePerShareMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=navi_CommonStockParValuePointZeroOnePerShareMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeniorNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeniorNotesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001193125-20-113535-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-20-113535-xbrl.zip
M4$L#!!0    ( -F!E5 OC]&_.Q   *V"   .    9#DQ,C(W-F0X:RYH=&WM
M/6MSXCBVWV_5_@<5?6<JV8H!&Y(.)&&+(:2'G0YD@=F9VB]=QA9!V\;R2"+
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M+_-:P=<D?G!G;TM\"-DY^P[%R?3Y^C]02P,$%     @ V8&54))AZ;X-K0
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M<&'P-.#MD8.*/P>1-&";Q8$')X59*2_^<&RKRSX;[(W7V&RJ]8;^NM>( !7
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M[L&'9J6R($:FEDOU*6:&#&A_YZU30)*R$#_3-7?$#K.'Y+L&:H<_4/5UNK1
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M+]>*38CU<JOH *HI&&7WV&*^155^:6;E!!H^%PC5Q*2S?0B3ZJE]TP*=)^K
M:J+UD/(+-55+K78M.KP(CFNC7FK4A*N T%1*JKKK%052\D;7&F 9L AKE/#P
M.#_^4$NUMG"4UJB5ZLVZ<%"W2^W*)B*SKZ=\*(WEV1KP^9L9'>]^)CLN;HE2
M0@N+^/:S*)P5+='TWNC07LXKG*&5-L]W.NZ#MVT/B:;K]M3R@DJ3=,#.^KJ7
MY!B(,E+-+2^/NA@G?KL-\2;J<^P0L_![_D$A55X^->"6W,POM26<%:.VBG'Q
M/PG([=3WR/-0+7-57L]O'QYNOV-._BM&S;:Y*DF#W#>X+%S"F^M=DU#6QU]
M49ON]K4N1'/T2Y3J*_KH_4#'^RPL7\&*G,-WD.:&<2K)9I%LVD&S64DVDFS6
M)ANU45X=I=@;LCE;JP9]*U4-^LNK^XL?]_?8\>'VZWR3$RQM39[<,L'JRJ\7
MH&_DU,V*=Q(I5#LKWG$R2E/!G',_6^)A10=:]%MBWR8QM]9HDQ%O7O5,X=V'
M\ IMI%/X1,/>MMC',KSZ&>E^BTT@WCQU?Z&:<Z(]VOZQ^^&!WW(J4?LT27""
M$]R28M_1QJE*O$DJF3@&S /CD<&4(OTAJ5F:-T5?>J*]#+!IB3UD'X=M2\HH
M/25)[0M)K;QG$"6L>/.\,KD/6SJJ"N'M'(E:92,,#%>?NFQ ASYJ#CLX\QP-
MT.KYW7PONA?7Q+8.#_ZE62#%7OC@0:MK*=!64)^"#5T626<3[2)CZ@A?GV#_
MP-,V]F/YGU_:C6;]<]C;"KM*KH2JT*0?N4\0*.]5NOO9\$;P]:+RCO5_9%T?
MRYR^'>KWET+AJD=F\NS# Q#=V)>2"UZ'CHWIF/B\@P<").@T"<PRH$-M:N(;
M'OP$XT ?H>SW>1.'F <"+-#HC/V7^9[:DLDDDVV)R2[#_% #F.$QFFI:K1#,
M)/5YKU[VP[W]Y<S7F/]^.?=)ZT62]I9(.Y(@&A!Q&+KSB;1$IA,@W7HEKCB&
MCCTF'UJ2HJ4]/D]4L=8<41N\\89OIY$/<^9)\&.DJUDORV!H\/N8+7%X\*$:
M_QVW/MS 87PVK $)7<69)1]VP!R"-^"/*@V+O:+5"74T/$B<M43G8G"NL;II
MP\<1BM5<H%:PC<&N19JRK4>;#3(< HFRFR2&!32F8>-T=[7\.SP@9Y,5>6$+
M"R)1\%MI>M)&L*#.(PK6IYD+!]G$I][#76WU?C8PGF8K^'G"G\4I@HW@S9@_
MA@MBJ,$/>/K?*3\2P,.!7RI:L]'4/O<U_>]'!]RAP8ENF[9S&GSQ>:(-,*K
MD(0[$+SWD52=<)B2[&ETR,7#]H_KG0Q$C9[%[U=WEE[_)Q>W-_<_OG=[Y+I[
M@](*"6I9M^FS7V%#OF2Z*_J UFA]R:[X7VQB5]ZQ":]W?BZ!EVW D$R]Q;I
MZ[;E3L?4\;UL_&Y9'V@=1!)(IM?:/@<J$'=@Q7KWJ@>RFF,/Y'9EW1[(2I9M
MB_,;;+/)@(5,X.:T*48/9$'['@O:ZUCV-]Z!!.!"]3=N%R._/!'(PJ4J*^E3
ME7<[)[YP_8V%ZY]5D%NZZP/<D"V.16QQ+!J9B09OIA=$Q.JC(%8O%XDGB:<L
M\;3;!EXAFALK%=&L.J5>#%\G <1J:HV[;W9=WLV-A6OY75M]F:R8 %<W76Q%
M6G726I%X*B">=MNJ$ZNY<5,TM:$HHEE_K=05#J6BDP(\[VDEGF1KX_4.<7,]
MNZT+5TZV(*=JB0K@[J]"$ZT'K<24Q)3L:[Q;:K: ?8VKY6K!FQ>( *&:IC/'
M/AB8=X[QI'F4= =376.WTUB5=BRDBS?M,7>_1X>&Q9IYL*\^"=GP./^FPWDB
MJ^#2.W7'UV4TG'/SXVJY7GCI6"]X\YEJN9:TC9MP\GOGNAV+YWT7)*DU2;Q
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M:G+3-DVP485+T:B7VDWA2@A62XV:/*!^GR\M""LUT]<AV3;0C5)-35W^:]M
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MIYKY##H..[F?_=XC*!"!7(^"(5FRV.DO;?8OS@L!H!?=FX=N#P<@'$P?OC.
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M1% \@[@V'/Z^A+]ZIJ:)?UDQ$K]6Y7"=\ME!X<M 7B/M@R;4@,:7W.";51#
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M.:I"ET_+S+D!Y1%@+H*?-'/JPV,#O@(]2V.\GN5FU".;T?C\*9F@\ -Q$7G
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MZORV5R)!T)GQ.*Y]9$QB^39OC1DJ(?[&\[4NXB X+F?I'(9.!Y_YQS[0\TS
MJ7K*QWR)$\G,4 7Q!4\\@K$KU,%J71ZL)HT4H>L4RK7/46;K@]4W K(:V>:
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MQC+L09FLYH8T>_X ($T< W[\PFZD.D9_ZMF.2SR;(+CZ2+,>*>:]1- !*R*
MZ:&-O;7<4S*_J[-YJY/WM@3.0F1&)/"\I)Z7Y#'1Z0M+IF'(;V25N Q%H?_C
M^L=E)HW_I0H:(28R_==<R>#Q:GO9SY2YGRV9(#K0HN<9^S:)2;.&)KAA),%/
MT +:&% =$Z2 &_HOR#1S/,-I#<9$ M+PRM[4Y)<VD-C8E>@I_-;2O*D#KNM$
M>QG8SU;P .^%B#XL9R,0R:L9R;*M$X<.#0N[OP7<M+Q=')G8C@?D;-@@0T:&
M/F*2!&2!!P8/P&H/ARZL%5:$4#PZ]C/(!\P%@W>+(_:"2>?&YCTO+,040Q&.
MP%?TU;1!F%SYW!5'#+ 82),0S0[,Y991#:S=F%LRX2XSX9UC/QDN]JSV.QP"
MA?EM#@-"P]:&\51%<NR"RD:4ND15"-HRE<]$K;(A-%!HKCYU<5 @Q$?-&>!9
M.1*[YVB >T;EGGUX<-&]N";P^E^:-04-PJ?PC81/IT32Z'(:5=37B+3Z*I&>
MW?]8@KY6_>-G\D1!7NF:><+\EU-&?3%S U^?H -UVF9L\DN[T:Q_#LU5&'DU
M5(7F 6[%^'S :)C+U2@SS!33A[A2*J^@4VG12$+=/*&N,$@6);BJS%%M*/B9
M>]*:$_!@6PP-Q_5._@')#+;#X0'SW PW8H(YE%^M]>QYLX3^Q,1TWU-"YIE2
M?.I-Y^7B]H^KRQ-0-BQ=T VL+@N4"*:Y$P,<+-U#E<'LO:GC8-(AVD48ZM$U
ME[E18 ?:8T-'>Y!?AW<ECTJ#)^"A>^H\&3I:) Y]HN N1$5[+<X%,UKW*1C)
M[E7G8LYD=]ED=! X\(8SX'X!74F3TK[9.Y+L8+\=($?=!M7VPN19?^H:%L4P
MDV/K\'<%O;97T>N<%\AB,R@ZL4(X>)=,*N)$AP<@JPV>L>V6\&?/%-LKNHRF
M WD[7%]T!S(;H-%!3VN@#1YQ61:6+@OXP9VMS\0_DA<D+T2"0H] -2Y2T(#V
MD2\F4T<?:7$KG(6'ZG,V#=A'#@4*AO]8]N*OYXT:'HT.PK8@GVW0 '-7\&:_
M'Q -;(V%61FT030G57A6TK^D__ P@OH,P.Q[M'U1*XSHX!$U@8:W/GE&3M3$
MKU86^2$,SP_A1QB9UX9#O#3J1V3\ #VRS.%!+$H8FM7@8_FFM@ZCF%/=FP;J
M@@<[?2V!PV$%-U^Y@-*PITX\-GGAJR'X:5]SP9EPG[6)6UJ<!A?JIQOQPCT1
M1 "Y>,Z45\(<3!U<"=4 C("5_HC!L.*'P3I@U7V&O>D$T#W6K!FB +/FE(6N
M.)*8_(@'4DL$D \^!G$,]^\ERXAB*[(8V(^_89O]B<JD,U/6O H1%X#X@R2D
M,-9>8 /P^CP 80S!1;8\, 50ZDW!9*4^AF#"*^OP@)FA^M34G!(W:X-3L.52
MDD6TE[E^^-O(A/ 5N**>[T/&T<4 Y^MDMV=BWMR;HO/-!Q"MP'\G'+VAN^_;
M(\Q*/SR8H=$E4Y<O(? 86;">D5[4FA\R"O;/)[P1*(&!#>K%(X ?TQB^,#^<
M_TK3=7O*ZK)*B2XENB_1NS\#.6(Q*_\1*Y+9SLM)P$2Z[7I,5GUH+@1AD#,8
M-Q*?&]F#C"-9<8"*TBX1&QA;8RR%@1<+! ;2>:@7ZFLZ";;U:#-Q!_ 05WOB
M-]Q MOCLHND.R@<$B9W@6R^2RB65^U1^R37Q6O0:H2"4JZ@M%\D4'_\0#UK.
MUVBUAZP(!BAUT+(X_:]<OSK4=AXUR_@OCX@&3('\!)+>HEP]L2P-D.]T" +<
M0SW 5!?U^1'G!PWE@/,:9; AJ#D#E3NSKEQF03EH'#"O \-$,_[R,  $OB\>
MYL:Y?9V 9&1CJN_/T/B3QEP8M5JN+.*Y79X+?/GU=7T;3H\6,ADDV.CH=L7,
M''PVXIF5#@]P'@UQ!6K4GGJN!Z/@/$%RC ]1S &LS9%,-&?&)<>@EI46&CV8
M]/:)#!U[G-Y)$R:Q4JG(S$J96;FQS,H5DFH3J95O\FLT]_+F]N8$\RD#WOUZ
M==.YN8 )R/=NY_Y'KSN?8[G\#$A-:JPL&Z3R-E;?G:F9(M_Q"H2^7R@:513/
M-@()XLMF%R4S:$0LF@M/$I:=RMSU4ECG0S-=FY]$#D#2!H%>D),@&,8L=VG,
MRES1("$*<_[63+J*[MX,MF \'M3@N8.H']XDCK>'9,!-X 5R,,_>9):WX9)N
MD)+9HR:JG5-RK'SRDWRQ8EWP?8D<J_[GG<%?4W8.^:!9CP8F\?-N"H<'/31'
MF'8\KOH/=\^O'BX[S(-$S70>1,7O9E%_ESYBR&)3&9S 7TJ9Q!:SP53;/QFB
M,=P:V0?0]1Z==3;Q=V()7<*NH(?M#!B%,?L-=[9,?K>?T<XJ@1'&29/R0!1E
MYDMXUN"C\JUID.I96,AP?7_?& [1P&$6!)^1F57P(8^ P(/\&1R0_Q ,''\&
M;H2"KQ5#,AO"YR ^0GP/EH_"&!)L6'9/D9F3_#D_5L<#8?/K)7VJ:U/7G\9
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MON/4/P\PVZUFIB&5W55G_MWK[>NS6KW@9PQ*1>JS#<CB%#DY6P.R65&*#9\
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M-OC$U@V6.X,5#L0&JW9:XU"M3, P!6L37O5$=<UW:;0"@I486#8Q;>L9751
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M%+_"_L!^F6XIH 4P+UX,YL=C)PSKV&/Z$3D!]A92$7 O\!3W-!#4 ,'\T36
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ML4D9M.G*)&2;IH/JNOFPH-6 826T&:B3>SO('I?D(UM)[C%$Q0FP6CF9ELC
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MRP"(]& J_5* V>MNGS]^0"QQ3:=AE1VYQAFK52L[*ZK*DCR4[A[$_.YJ-TK
M@$J1<F%WE')1KJQ%B2&)(9GYNH43@5J#J?L@ASNKUN@U2V"=-!6E!% JM68_
M92KN86N(WTS?/9.ZX;O/[>X^Z/>HE<,0Q5([+,K-+C$D,22UPZRT0S+M=[ST
M1H7];'6E[JQ7QK(G4@5A.NU21(M(GEIK*H3V.UMX_\MR=Y:MB$;B2.(HLV*L
M@S4QHX-5L-H#+TM,L($=LG&N<&_ACWPJA(&E0F+.%CG1+ LGDOT?'626FY%"
MZ-;5[H?">3#J2GL=H++@P*W^=KQ:(5/T!''K$=J/4C/ GILBESHWHMXH@6>O
M5<]#D\N,10Z9(1*$/JO5XK-5^"0:D\WN$25-Y>&-;ETIX!4A;XC2,81@AD )
MPNE'0@LJ$S/T"L@,G=(QP^&1_LVLJ'=S2+56F[666@IW3T>M]1IY!'VE/$\C
MSQ<:KGD0MU+K-$I!W&VUUNKD85%(^;Q*/A>%DM5F*4IBVHU:6\DCSK$])5=E
MYR?.R\7H_!0]M.@+MQ,0J;NJQ#RU+&B)DS.F/:#"H.8TFEDG%QZ?/VJ,F2&S
M9F03%ZF%8P!BK5O$R]^"(?*&RX>;BJ8K85N4F?GUZ[9#85-XX9T)75SXG)T=
M)4/5^? >Y+S$QBNR:]'!-[T2K")R!JBFC\@8OC2JA32*=(ACI('L5$7%Z=%C
M&WX>:&\X_-KUR,"G;$0WIS)XC?"EN<!_&A] [[("5VTZE)Z/V0@8!#A6]WRP
MPR)TC>MIDXEI8$.N9PV.R1-MC<;P2Z :3%D,87S5^#AL0>\(2IW\33E?<2XT
MW'UR%KD=8OL:W!I/QS!T=*/$-FE2EZ%X6@Y38_ -C"% 37%S +0Q'M.! >@T
MWZ+;"_O?S<N7!2V:A,3A8Y6Q2=70I9X7GR@M1K3O*F&DGH"6V:-_!N;$[CWS
MB'D#V$T3!\O#L9H<0.:]"H7TICBQ.2$!)?MCWX2_O]!9R5^MT)]@/0[<V>?$
MQ6"#'F98K,U6B#V@NZ?P1710)VEZ'JUS%)N3Z5FJAG4'WRI)6;=5DM+(LKU1
MGF_+SHB4W9*6=$OZSM<\KG9)LOG/[ANVQ'M I?TVMOU)V3:JN"B:FT^]?-=*
M_R!VO4O"2(6B\R-L[7.9T,TGP2.1@\NRW<MR%GJVH:1&EB-$LP6M*ROQHC[X
M)5;'$*P?/NE6T+VP[3,C]O5/3=DO/:4 +&7;I[T!IJ:<7W9L<=2'S$7W^F=S
MHF8ZR35;T/J%!:W9DFUV%G2>RH&$"TLF[<)"EG;F90+]%KZ:JEQ5I!)#$D.R
M$CEUVD[Q;.&T31ZDF8ZV<*&&".^(J\M6EBEQ)'$DRWO7,'ZL9S&XC:>'B,E
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M'6PWTX,8$!7,V5BR!'%!(Q*!.WL\Q@\\6_^':5;OF\UV_&%A*@P-!U3_'SX
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M0K5=-VT\(@#]?6M&KN-FEO1Z>Y@V\_H2N=0?F7A+; 3'>IA%=\^;^3U0UQC
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M/D*=93\TV?FO<//3G*<?H.B'_P!02P,$%     @ V8&54#P- #7?!P  (5<
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MY!W)3_7-KO$A&GV_J3SR/U!+ P04    " #9@950]F]6\Y %  !6.   %0
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M'W?IDG\ 4$L! A0#%     @ V8&54"^/T;\[$   K8(   X
M ( !     &0Y,3(R-S9D.&LN:'1M4$L! A0#%     @ V8&54 21 +;S!
MQ0X  !$              ( !9Q   &0Y,3(R-S9D97@Y.3$N:'1M4$L! A0#
M%     @ V8&54))AZ;X-K0  T*\+ !$              ( !B14  &0Y,3(R
M-S9D97@Y.3(N:'1M4$L! A0#%     @ V8&54#=&SZL[!   01$  !$
M         ( !Q<(  &YA=FDM,C R,# T,C$N>'-D4$L! A0#%     @ V8&5
M4!Z(*]+5!0  S#0  !4              ( !+\<  &YA=FDM,C R,# T,C%?
M9&5F+GAM;%!+ 0(4 Q0    ( -F!E5 \#0 UWP<  "%7   5
M  "  3?-  !N879I+3(P,C P-#(Q7VQA8BYX;6Q02P$"% ,4    " #9@950
M]F]6\Y %  !6.   %0              @ %)U0  ;F%V:2TR,#(P,#0R,5]P
<<F4N>&UL4$L%!@     '  < P@$   S;      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>19
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MMWF\81AU8\K(XK%T-8943OTJDH\ Q:X831F:3LTXXFBD(3^ G/,6+V2?$9/
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M^L/O)NR\L0?[CXVO@K*%7W<AOP!02P,$%     @ V8&54)E<G",0!@  G"<
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M.AQG0GS/]O:1I24RS^_Y"NM./&<?5I:P7<_/Y)Z,<B.[W?98??9/1VXCUZG
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MUM#P0>)S6/$<S.EN?PHO3?*P99TWBISN]F>HQ:#>S@7WOT3Q U!+ P04
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MKB?)^.BVA@8MU&\\(##.(50;+^*1=*:W=Y-[#KO7^H&Q=_OJ5-*/&N/'+7\
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M]_276<]>@C"MA[_)1/TUP.K795]02P,$%     @ V8&54 N/V ,A 0  5P0
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M<F5L<R\N<F5L<U!+ 0(4 Q0    ( -F!E5 GZ(<.@@   +$    0
M      "  >D   !D;V-0<F]P<R]A<' N>&UL4$L! A0#%     @ V8&54%N7
MSAOO    *P(  !$              ( !F0$  &1O8U!R;W!S+V-O<F4N>&UL
M4$L! A0#%     @ V8&54)E<G",0!@  G"<  !,              ( !MP(
M 'AL+W1H96UE+W1H96UE,2YX;6Q02P$"% ,4    " #9@950?%".[>,"  #+
M#0  &               @ 'X"   >&PO=V]R:W-H965T<R]S:&5E=#$N>&UL
M4$L! A0#%     @ V8&54'4J<M>3 @  N@8  !0              ( !$0P
M 'AL+W-H87)E9%-T<FEN9W,N>&UL4$L! A0#%     @ V8&54+JA.8K7 0
M,@8   T              ( !U@X  'AL+W-T>6QE<RYX;6Q02P$"% ,4
M" #9@950%FTC?T,!   \ @  #P              @ '8$   >&PO=V]R:V)O
M;VLN>&UL4$L! A0#%     @ V8&54/_ )@B]    A0(  !H
M ( !2!(  'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS4$L! A0#%     @
MV8&54 N/V ,A 0  5P0  !,              ( !/1,  %M#;VYT96YT7U1Y
><&5S72YX;6Q02P4&      H "@"  @  CQ0

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>3</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>2</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d912276d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d912276d8k.htm">d912276d8k.htm</File>
    <File>d912276dex991.htm</File>
    <File>d912276dex992.htm</File>
    <File>navi-20200421.xsd</File>
    <File>navi-20200421_def.xml</File>
    <File>navi-20200421_lab.xml</File>
    <File>navi-20200421_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://fasb.org/us-gaap/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>d912276d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:navi="http://www.navient.com/20200421"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="navi-20200421.xsd" xlink:type="simple"/>
    <context id="duration_2020-04-21_to_2020-04-21">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001593538</identifier>
        </entity>
        <period>
            <startDate>2020-04-21</startDate>
            <endDate>2020-04-21</endDate>
        </period>
    </context>
    <context id="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001593538</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">navi:CommonStockParValuePointZeroOnePerShareMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-04-21</startDate>
            <endDate>2020-04-21</endDate>
        </period>
    </context>
    <context id="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001593538</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:SeniorNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2020-04-21</startDate>
            <endDate>2020-04-21</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2020-04-21_to_2020-04-21"
      id="Hidden_dei_EntityRegistrantName">NAVIENT CORP</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2020-04-21_to_2020-04-21">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2020-04-21_to_2020-04-21"
      id="Hidden_dei_EntityCentralIndexKey">0001593538</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="duration_2020-04-21_to_2020-04-21">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2020-04-21_to_2020-04-21">2020-04-21</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2020-04-21_to_2020-04-21">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2020-04-21_to_2020-04-21">001-36228</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2020-04-21_to_2020-04-21">46-4054283</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2020-04-21_to_2020-04-21">123 Justison Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2020-04-21_to_2020-04-21">Wilmington</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2020-04-21_to_2020-04-21">DE</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2020-04-21_to_2020-04-21">19801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2020-04-21_to_2020-04-21">(302)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2020-04-21_to_2020-04-21">283-8000</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2020-04-21_to_2020-04-21">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2020-04-21_to_2020-04-21">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2020-04-21_to_2020-04-21">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2020-04-21_to_2020-04-21">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2020-04-21_to_2020-04-21">false</dei:EntityEmergingGrowthCompany>
    <dei:Security12bTitle contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">Common stock, par value $.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">NAVI</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_navi-CommonStockParValuePointZeroOnePerShareMember">NASDAQ</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">6%&#160;Senior Notes due December&#160;15, 2043</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">JSM</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-04-21_to_2020-04-21_us-gaap-StatementClassOfStockAxis_us-gaap-SeniorNotesMember">NASDAQ</dei:SecurityExchangeName>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>22
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d912276d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 3,
   "dts": {
    "definitionLink": {
     "local": [
      "navi-20200421_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-eedm-def-2019-01-31.xml",
      "http://xbrl.fasb.org/srt/2019/elts/srt-eedm1-def-2019-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "d912276d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "navi-20200421_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "navi-20200421_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "navi-20200421.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-roles-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-2019-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-types-2019-01-31.xsd",
      "http://xbrl.fasb.org/srt/2019/elts/srt-roles-2019-01-31.xsd",
      "https://xbrl.sec.gov/country/2017/country-2017-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 29,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 3,
    "total": 3
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 1,
   "memberStandard": 1,
   "nsprefix": "navi",
   "nsuri": "http://www.navient.com/20200421",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d912276d8k.htm",
      "contextRef": "duration_2020-04-21_to_2020-04-21",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d912276d8k.htm",
      "contextRef": "duration_2020-04-21_to_2020-04-21",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 2,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "navi_CommonStockParValuePointZeroOnePerShareMember": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Common Stock Par Value Point Zero One Per Share [Member]",
        "terseLabel": "Common Stock Par Value Point Zero One Per Share [Member]"
       }
      }
     },
     "localname": "CommonStockParValuePointZeroOnePerShareMember",
     "nsuri": "http://www.navient.com/20200421",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "navi_DocumentAndEntityInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Document And Entity Information [Line Items]",
        "terseLabel": "Document And Entity Information [Line Items]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationLineItems",
     "nsuri": "http://www.navient.com/20200421",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "navi_DocumentAndEntityInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Document And Entity Information [Table]",
        "terseLabel": "Document And Entity Information [Table]"
       }
      }
     },
     "localname": "DocumentAndEntityInformationTable",
     "nsuri": "http://www.navient.com/20200421",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Class of Stock [Domain]",
        "terseLabel": "Class of Stock [Domain]"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_SeniorNotesMember": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Senior Notes [Member]",
        "terseLabel": "Senior Notes [Member]"
       }
      }
     },
     "localname": "SeniorNotesMember",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "label": "Class of Stock [Axis]",
        "terseLabel": "Class of Stock [Axis]"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2019-01-31",
     "presentation": [
      "http://www.navient.com//20200421/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
