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Pitney Bowes | Third Quarter 2023 Earnings (1)Total Finance Receivables at 8:1 debt:equity ratio (2)Excludes $45 million and $35 million of unamortized costs, net as of 9/30/2023 and 12/31/2022, respectively 12 (2) Capital Structure ($ Millions) Debt Composition at 9/30/2023 ($ Billions)

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