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

Role: EVP, Operations & Credit Risk
Signature: Benjamin L. Morgan, Attorney in Fact
Stock symbol: BFH
Transactions as of: Feb 15, 2023
Transactions value $: -$133,387
Form type: 4
Date filed: 2/17/2023, 04:58 PM
Previous filing: Feb 23, 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	-$37.2K	-905	-1.65%	$41.16	53.9K	Feb 15, 2023	Direct	F1
transaction	BFH	Common Stock	Tax liability	-$96.1K	-2.33K	-4.33%	$41.19	51.6K	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) 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.