Table of contents Letter to our shareholders . . . . . . . . .2 Nelnet at a glance . . . . . . . . . . . .7 Board of directors . . . . . . . . . . . .10 Executive leadership . . . . . . . . . . .11 Corporate governance . . . . . . . . .13 Products and services . . . . . . . . . .13 Social responsibility . . . . . . . . . . . . .14 Non-GAAP performance measures . . .15 Shareholder information . . . . . . . . . .15 unshakable commitment unwavering values Information contained in this document, other than historical information, may be considered forward-looking in nature and is subject to various risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize, or should underlying assumptions prove incorrect, actual results may vary materially from those anticipated, estimated, or expected. Among the key factors that may have a direct bearing on Nelnet's operating results, performance, or financial condition are changes in terms of student loans and the educational credit marketplace, changes in the demand for educational financing or in financing preferences of educational institutions, students and their families, or changes in the general interest rate environment and in the securitization markets for education loans.
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