X0206 3 2023-05-04 0 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 Common Stock 4274163 I By Turtle Creek Equity Fund Common Stock 396696 I By Turtle Creek Investment Fund Common Stock 312316 I By Turtle Creek United States Equity Fund Common Stock 24677 I By Turtle Creek North American Equity Fund Common Stock 4147 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. /s/ Meaghan Einav, Chief Compliance Officer 2023-05-08