Bread Financial investor relations material

Bread Financial Holdings Inc. is a technology-forward provider of payment and lending solutions to consumers and businesses. Bread Financial Holdings Inc. manufactures innovative solutions for the payment and lending industries. Bread provides payment innovations that allow our customers to access their money in real-time and online, as well as lending solutions to the consumer-based industries. Bread is headquartered in Raleigh, North Carolina with additional offices throughout the United States and Canada.