Any reproduction of this information, in whole or in part, is prohibited. The information contained herein has been prepared solely for informational purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy. Certain statements in this presentation, including those concerning our expectations as to the future of the student loan industry and our business, constitute forward looking statements. Actual results may vary materially from such expectations. You should not place undue reliance on these forward-looking statements.