X0609 4 2026-10-15 0 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0001321140 Gerspach John C false 3095 LOYALTY CIRCLE COLUMBUS OH 43219 1 0 0 0 0 Common Stock 2026-10-15 4 A 0 704 A 50278 D Common Stock 6000 I By Gerspach 2020 GST Exempt Trust The new grant is for 704 shares of common stock represented by restricted stock units, which will vest on October 15, 2027. The total amount of securities beneficially owned includes: (a) 22,905 unrestricted shares; (b) 5,981 unvested restricted stock units granted 6/22/20; (c) 2,241 unvested restricted stock units granted 6/15/21; (d) 431 unvested restricted stock units granted 9/15/21; (e) 474 unvested restricted stock units granted 12/15/21; (f) 538 unvested restricted stock units granted 3/15/22; (g) 2,650 unvested restricted stock units granted 6/15/22; (h) 934 unvested restricted stock units granted 7/15/22; (i) 969 unvested restricted stock units granted 10/17/22; (j) 912 unvested restricted stock units granted 1/17/23; (k) 1,038 unvested restricted stock units granted 4/17/23; (l) 4,932 unvested restricted stock units granted 6/15/23; (m) 1,186 unvested restricted stock units granted 7/17/23; (n) 1,033 unvested restricted stock units granted 10/16/23; The shares are held by the Gerspach 2020 GST Exempt Trust, for which the Reporting Person's spouse serves as trustee. Footnote 2, continued: (o) 499 unvested restricted stock units granted 01/15/26; (p) 483 unvested restricted stock units granted 04/15/26; (q) 1,638 unvested restricted stock units granted 06/15/26; (r) 730 unvested restricted stock units granted 07/15/2026; and (s) the new grant for 704 restricted stock units. /s/ Benjamin L. Morgan, Attorney in Fact 2026-10-19