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It defines forward-looking statements and describes key risks and uncertainties that could cause actual results to differ materially, including funding and liquidity, compliance and litigation, cyber security, credit and counterparty risk, market and regulatory changes, and estimation assumptions in financial 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is current as of December 31, 2018 (unless otherwise noted) and should be read in connection with the press release of SLM Corporation (the “Company”) dated January 23, 2019, announcing its financial results for the quarter ended December 31, 2018 (the “Earnings Press Release”), and subsequent reports filed with the Securities and Exchange Commission (the “SEC”) .  \nThis Presentation contains “forward-looking” statements and information based on management’s current expectations as of the date of this presentation. Statements that are not historical facts, including statements about the Company’s beliefs, opinions or expectations and statements that assume or are dependent upon future events, are forward-looking statements. This includes, but is not limited to, the company’s expectation and ability to pay a quarterly cash dividend on its common stock in the future, subject to determination by the company’s Board of Directors, and based on an evaluation of the company’s earnings, financial condition and requirements, business conditions, capital allocation determinations, and other factors, risks, and uncertainties. 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. These factors include, among others, the risksand uncertainties set forth in Item 1A “Risk Factors” and elsewhere in the Company’s Annual Report on Form 10-K for the year ended Dec. 31, 2017 (filed with the SEC on Feb. 23, 2018) and subsequent filings with the SEC; increases in financing costs; limits on liquidity; increases in costs associated with compliance with laws and regulations; failure to comply with consumer protection, banking and other laws; changes in accounting standards and the impact of related changes in significant accounting estimates; any adverse outcomes in any significant litigation to which the Company or any subsidiary is a party; credit risk associated with the Company’s or any subsidiary’s exposure to third parties, including counterparties to the Company’s or any subsidiary’s derivative transactions; and changes in the terms of education loans and the educational credit marketplace (including changes resulting from new laws and the implementation of existing laws) . The Company also could be affected by, among other things:  \nchanges in its funding costs and availability; reductions to its credit ratings; cyber security incidents and cyber attacks and other; failures or breaches of its operating systems or infrastructure, including those of third-party vendors; damage to its reputation; risks associated with restructuring initiatives, including failures to successfully implement cost-cutting programs and the adverse effects of such initiatives on the Company’s business; changes in the demand for educational financing or in financing preferences of lenders, educational institutions, students and their families; changes in law and regulations with respect to the student lending business and financial institutions generally; changes in banking rules and regulations, including increased capital requirements; increased competition from banks and other consumer lenders; the creditworthiness of customers; changes in the general interest rate environment, including the rate relationships among relevant money-market instruments and those of earning assets versus funding arrangements; rates of prepayment on the loans made or acquired by the Company and its subsidiaries; changes in general economic conditions and the Company’s ability to successfully effectuate any acquisitions; and other strategic initiatives. The preparation of the Company’s consolidated financi","cbCaiaEWsYEK0nEs","https://ap.wps.com/l/cbCaiaEWsYEK0nEs","pdf",1584136,"English","# Forward-Looking Statements and Disclaimer\n## Cautionary Note Regarding Forward-Looking Statements\n## GAAP and Core Earnings Measures","[{\"question\":\"What time period does the Smart Option student loan historical performance data cover?\",\"answer\":\"It covers the period ended December 31, 2018.\"},{\"question\":\"What is the purpose of the forward-looking statements disclaimer?\",\"answer\":\"It warns that statements based on current expectations are not historical facts and may differ materially from actual results due to risks and uncertainties.\"},{\"question\":\"How are Core Earnings different from GAAP results in the document?\",\"answer\":\"Core Earnings excludes unrealized mark-to-market gains/losses on derivative contracts (net of tax), which are included in GAAP results.\"}]","Smart Option Student Loan Historical Performance Data - Period ended December 31, 2018 | PDF",7]