SLIDE 1
FORWARD LOOKING STATEMENTS
This presentation contains forward‐looking statements that are subject to risks and uncertainties. All statements other than statements of historical fact included in this presentation are forward‐looking statements. Forward‐looking statements give our current expectations and projections relating to our financial condition, results of operations, plans, objectives, future performance and business. You can identify forward‐looking statements by the fact that they do not relate strictly to historical or current facts. These statements may include words such as “anticipate,” “estimate,” “expect,” “project,” “plan,” “intend,” “believe,” “may,” “should,” “can have,” “likely” and other words and terms of similar meaning in connection with any discussion of the timing or nature of future operating or financial performance or other events. The forward‐looking statements contained in this presentation are based on assumptions that we have made in light of our industry experience and
- ur perceptions of historical trends, current conditions, expected future developments and other factors we believe are appropriate under the
- circumstances. As you review and consider this presentation, you should understand that these statements are not guarantees of performance or
- results. They involve risks, uncertainties (some of which are beyond our control) and assumptions. Although we believe that these forward‐looking
statements are based on reasonable assumptions, you should be aware that many factors could affect our actual results and cause them to differ materially from those anticipated in the forward‐looking statements, including, among other things, our opportunities and expectations for growth in the student lending, healthcare and other markets; anticipated trends and challenges in our business and competition in the markets in which we
- perate; our client relationships and future growth opportunities; the adaptability of our technology platform to new markets and processes; our
ability to invest in and utilize our data and analytics capabilities to expand our capabilities; the sufficiency of our appeals reserve; our growth strategy
- f expanding in our existing markets and considering strategic alliances or acquisitions; our ability to meet our liquidity and working capital needs;
maintaining, protecting and enhancing our intellectual property; our expectations regarding future expenses; expected future financial performance; and our ability to comply with and adapt to industry regulations and compliance demands. More information on potential factors that could affect the Company's financial condition and operating results is included from time to time in the "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" sections of the Company's Annual Reports on Form 10‐K as filed with the Securities and Exchange
- Commission. Any forward‐looking statement made by us in this presentation speaks only as of the date on which we make it. We undertake no
- bligation to publicly update any forward‐looking statement, whether as a result of new information, future developments or otherwise, except as
may be required by law.
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