X0508 4 2024-01-24 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0001484148 Turtle Creek Asset Management Inc. SCOTIA PLAZA 40 KING STREET WEST, SUITE 5100 TORONTO A6 M5H 3Y2 ONTARIO, CANADA true false Common Stock 2024-01-24 4 S 0 19120 30.6346 D 4305166 I By Turtle Creek Equity Fund Common Stock 2024-01-24 4 S 0 1785 30.6346 D 401814 I By Turtle Creek Investment Fund Common Stock 2024-01-24 4 S 0 1331 30.6346 D 299845 I By Turtle Creek United States Equity Fund Common Stock 2024-01-24 4 S 0 6676 31.3479 D 4298490 I By Turtle Creek Equity Fund Common Stock 2024-01-24 4 S 0 623 31.3479 D 401191 I By Turtle Creek Investment Fund Common Stock 2024-01-24 4 S 0 465 31.3479 D 299380 I By Turtle Creek United States Equity Fund Common Stock 2024-01-25 4 S 0 344 28.11 D 4298146 I By Turtle Creek Equity Fund Common Stock 2024-01-25 4 S 0 32 28.11 D 401159 I By Turtle Creek Investment Fund Common Stock 2024-01-25 4 S 0 24 28.11 D 299356 I By Turtle Creek United States Equity Fund Common Stock 2024-01-25 4 S 0 172 29.6243 D 4297974 I By Turtle Creek Equity Fund Common Stock 2024-01-25 4 S 0 16 29.6243 D 401143 I By Turtle Creek Investment Fund Common Stock 2024-01-25 4 S 0 12 29.6243 D 299344 I By Turtle Creek United States Equity Fund Common Stock 2024-01-25 4 S 0 1032 30.6171 D 4296942 I By Turtle Creek Equity Fund Common Stock 2024-01-25 4 S 0 96 30.6171 D 401047 I By Turtle Creek Investment Fund Common Stock 2024-01-25 4 S 0 72 30.6171 D 299272 I By Turtle Creek United States Equity Fund Common Stock 2024-01-25 4 S 0 4041 31.3912 D 4292901 I By Turtle Creek Equity Fund Common Stock 2024-01-25 4 S 0 377 31.3912 D 400670 I By Turtle Creek Investment Fund Common Stock 2024-01-25 4 S 0 282 31.3912 D 298990 I By Turtle Creek United States Equity Fund Common Stock 2024-01-25 4 S 0 20207 32.5757 D 4272694 I By Turtle Creek Equity Fund Common Stock 2024-01-25 4 S 0 1886 32.5757 D 398784 I By Turtle Creek Investment Fund Common Stock 2024-01-25 4 S 0 1407 32.5757 D 297583 I By Turtle Creek United States Equity Fund Common Stock 2024-01-26 4 S 0 25796 35.5278 D 4246898 I By Turtle Creek Equity Fund Common Stock 2024-01-26 4 S 0 2408 35.5278 D 396376 I By Turtle Creek Investment Fund Common Stock 2024-01-26 4 S 0 1796 35.5278 D 295787 I By Turtle Creek United States Equity Fund Common Stock 28884 I By Turtle Creek North American Equity Fund Common Stock 5016 I By Turtle Creek Small Cap Equity Fund The Reporting Person serves as investment manager to each of Turtle Creek Equity Fund, Turtle Creek Investment Fund, Turtle Creek United States Equity Fund, Turtle Creek North American Equity Fund and Turtle Creek Small Cap Equity Fund. The Reporting Person disclaims beneficial ownership of the securities reported herein except to the extent of its pecuniary interest therein, if any, and this report shall not be deemed an admission that the Reporting Person is the beneficial owner of the securities for purposes of Section 16 of the Securities Exchange Act of 1934, as amended, or for any other purpose. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $30.19 to $31.1855, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in footnotes (2) through (9) herein. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $31.19 to $31.61, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $28.00 to $28.44, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $29.245 to $29.99, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $30.20 to $30.97, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $31.02 to $31.995, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $32.00 to $32.965, inclusive. The price reported in Column 4 is a weighted average price. These shares of the Issuer's Common Stock were sold in multiple transactions at prices ranging from $35.1757 to $36.0529, inclusive. /s/ Meaghan Einav, Chief Compliance Officer 2024-01-26