NAVI · Form 3 insider filing

Larry A. Klane filed an initial statement of beneficial ownership (Form 3) with Navient Holdings, Inc., disclosing 7,342 shares of common stock and 85,480.8077 phantom stock units (each equivalent to one common share, settled in stock under a deferred compensation plan). The filing is a routine insider onboarding requirement and contains no transaction or material financial event.

• Reporting person Larry A. Klane filed Form 3 as initial beneficial ownership statement.
• Owns 7,342 shares of common stock directly.
• Owns 85,480.8077 phantom stock units (economic equivalent of common stock, settled in shares under deferred compensation plan).
• Phantom stock includes 4,777.8570 units subject to vesting, received from predecessor Navient Corporation.