3Q 2025 Earnings Call Presentation Confidential and proprietary information © 2025 Navient Solutions, LLC. All rights reserved. 1 Notable Items in 3Q 2025 | Core Earnings per Share 1 | $(0.84) | | | --- | --- | --- | | Significant Items | 3Q25 EPS | Expected Impact to Future | | | Impact | Loan Cash Flows | | Slower Prepayment Speeds | $0.08 | $280 million | | - Net benefit of $11 million from reduction in amortization speeds of loan | | | | premium/discount due to decreased prepayment assumptions | | | | P ...