Disclosure

Nelnet, Inc. Investor Relations Disclaimer

This Investor Relations Web site and the data, reports, and hyperlinks contained herein are being furnished by Nelnet, Inc. because some information is required by SEC/NYSE rules, and other items (i.e., hyperlinks) are for convenience for informational purposes and for the convenience of investors and are subject to the Terms of Use for the Nelnet Web site. The third-party hyperlinked sites are not under the control of Nelnet, nor is Nelnet responsible for their content, including other hyperlinked sites. Nelnet reserves the right to terminate any hyperlink or hyperlinking program at any time. Nelnet does not necessarily endorse any company, product, or service referred to in a site to which Nelnet hyperlinks. If you decide to access any of the third-party sites to which our site hyperlinks, you do so entirely at your own risk.

The information and content contained on this site does not constitute an offer or a solicitation of an offer for the purchase or sale of any Nelnet securities.

Forward-Looking and Cautionary Statements

Information contained on this Web site, other than historical information, contains forward-looking statements, including statements about the Company's plans and expectations for future financial condition, results of operations, or economic performance, or that address management's plans and objectives for future operations, and statements that assume or are dependent upon future events.  The words “may,” “should,” “could,” “would,” “predict,” “potential,” “continue,” “expect,” “anticipate,” “future,” “intend,” “plan,” “believe,” “estimate,” “assume,” “forecast,” “will,” and similar expressions, as well as statements in future tense, are intended to identify forward-looking statements.  These statements are subject to known and unknown risks, uncertainties, and other factors that may cause actual results and performance to be materially different from any future results or performance expressed or implied by such statements.  These factors include, among others, the risks and uncertainties set forth in the “Risk Factors” section of the Company's most recent Annual Report on SEC Form 10-K, as supplemented in subsequent reports on SEC Form 10-Q and 8-K, in particular such risks and uncertainties as:

  • student loan portfolio risks such as interest rate basis and repricing risk resulting from the fact that the interest rate characteristics of the student loan assets do not match the interest rate characteristics of the funding for those assets, the risk of loss of floor income on certain student loans originated under the Federal Family Education Loan Program (the “FFEL Program” or “FFELP”) of the U.S. Department of Education (the “Department”), risks related to the use of derivatives to manage exposure to interest rate fluctuations, and risks from changes in levels of student loan prepayment or default rates;
  • financing and liquidity risks, including risks of changes in the general interest rate environment and in the securitization and other financing markets for student loans, which may increase the costs or limit the availability of financings necessary to purchase, refinance, or continue to hold student loans;
  • risks from changes in the educational credit and services markets resulting from changes in applicable laws, regulations, and government programs, such as the expected decline over time in FFELP loan interest income and fee-based revenues due to the discontinuation of new FFELP loan originations in 2010 and potential government initiatives to consolidate existing FFELP loans to the Federal Direct Loan Program, risks related to the availability of government funds and actual extension of the Company’s loan servicing contract with the Department for an additional five years, and the Company’s ability to maintain or increase volumes under that contract, and the Company’s ability to comply with agreements with third-party customers for the servicing of FFELP and Federal Direct Loan Program loans;
  • risks related to a breach of or failure in the Company's operational or information systems or infrastructure, or those of third-party vendors; and
  • uncertainties inherent in forecasting future cash flows from student loan assets and related asset-backed securitizations; and
  • risks associated with litigation and uncertainties inherent in the estimates and assumptions about future events that management is required to make in the preparation of the Company's consolidated financial statements.

All forward-looking information included on this Internet site speaks only as of the date shown on such information. We do not undertake any obligation or commitment to update such information after it is posted or to remove such information from this site if it is no longer accurate or complete, except as might be required by law.