Ralph J. Andretta - Feb 15, 2023 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: President and CEO, Director
Signature: Benjamin L. Morgan, Attorney in Fact
Stock symbol: BFH
Transactions as of: Feb 15, 2023
Transactions value $: -$570,320
Form type: 4
Date filed: 2/17/2023, 04:55 PM
Previous filing: Aug 9, 2022
Next filing: Feb 23, 2023

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Tax liability	-$165K	-4K	-1.97%	$41.16	199K	Feb 15, 2023	Direct	F1
transaction	BFH	Common Stock	Tax liability	-$406K	-9.85K	-4.95%	$41.19	189K	Feb 16, 2023	Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Shares withheld by the Company to satisfy the Reporting Person's tax withholding obligation upon the vesting of restricted stock units.
F2	The total number of securities beneficially owned includes: (a) 55,140 unrestricted shares; (b) 2,695 unvested units from an award of 7,563 time-based restricted stock units granted 2/18/20; (c) 2,434 unvested units from an award of 6,829 time-based restricted stock units granted 2/18/20; (d) 1,616 unvested units from an award of 4,538 performance-based restricted stock units granted 2/18/20; (e) 7,275 unvested units from an award of 20,419 performance-based restricted stock units granted 2/18/20; (f) 22,371 unvested units from an award of 65,795 time-based restricted stock units granted 2/16/21; (g) 39,476 unvested performance-based restricted stock units granted 2/16/21; (h) 17,914 unvested units from an award of 26,737 time-based restricted stock units granted 2/15/22; and (i) 40,105 unvested performance-based restricted stock units granted 2/15/22.

Content

Shares withheld by the Company to satisfy the Reporting Person's tax withholding obligation upon the vesting of restricted stock units.

The total number of securities beneficially owned includes: (a) 55,140 unrestricted shares; (b) 2,695 unvested units from an award of 7,563 time-based restricted stock units granted 2/18/20; (c) 2,434 unvested units from an award of 6,829 time-based restricted stock units granted 2/18/20; (d) 1,616 unvested units from an award of 4,538 performance-based restricted stock units granted 2/18/20; (e) 7,275 unvested units from an award of 20,419 performance-based restricted stock units granted 2/18/20; (f) 22,371 unvested units from an award of 65,795 time-based restricted stock units granted 2/16/21; (g) 39,476 unvested performance-based restricted stock units granted 2/16/21; (h) 17,914 unvested units from an award of 26,737 time-based restricted stock units granted 2/15/22; and (i) 40,105 unvested performance-based restricted stock units granted 2/15/22.