Tammy M. McConnaughey - 15 Feb 2023 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: EVP, Operations & Credit Risk
Signature: Benjamin L. Morgan, Attorney in Fact
Issuer symbol: BFH
Transactions as of: 15 Feb 2023
Net transactions value: -$133,387
Form type: 4
Filing time: 17 Feb 2023, 16:58:11 UTC
Previous filing: 23 Feb 2022
Next filing: 23 Feb 2023
SEC: View on sec.gov

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Tax liability	$37,250	-905	-1.7%	$41.16	53,895	15 Feb 2023	Direct	F1
transaction	BFH	Common Stock	Tax liability	$96,137	-2,334	-4.3%	$41.19	51,561	16 Feb 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) 22,955.055 unrestricted shares; (b) 693 unvested units from an award of 1,946 time-based restricted stock units granted 2/18/20; (c) 5,326 unvested units from an award of 15,667 time-based restricted stock units granted 2/16/21; (d) 9,400 unvested performance-based restricted stock units granted 2/16/21; (e) 4,072 unvested units from an award of 6,077 time-based restricted stock units granted 2/15/22; and (f) 9,115 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) 22,955.055 unrestricted shares; (b) 693 unvested units from an award of 1,946 time-based restricted stock units granted 2/18/20; (c) 5,326 unvested units from an award of 15,667 time-based restricted stock units granted 2/16/21; (d) 9,400 unvested performance-based restricted stock units granted 2/16/21; (e) 4,072 unvested units from an award of 6,077 time-based restricted stock units granted 2/15/22; and (f) 9,115 unvested performance-based restricted stock units granted 2/15/22.