Roger H. Ballou - 16 Jun 2025 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: Director
Signature: Benjamin L. Morgan, Attorney in Fact
Issuer symbol: BFH
Transactions as of: 16 Jun 2025
Net transactions value: $0
Form type: 4
Filing time: 18 Jun 2025, 18:11:31 UTC
Previous filing: 20 Jun 2024
Next filing: 20 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
BALLOU ROGER H	Director	3095 LOYALTY CIRCLE, COLUMBUS	Benjamin L. Morgan, Attorney in Fact	18 Jun 2025	0001158369

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Award		+2,802	+7.3%		41,117	16 Jun 2025	Direct	F1, F2

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

Explanation of Responses:

Id	Content
F1	The new grant is for 2,802 shares of common stock represented by restricted stock units, which will vest on June 16, 2026.
F2	The total amount of securities beneficially owned includes: (a) 18,705 unrestricted shares; (b) 486 unvested restricted stock units granted 6/29/15; (c) 699 unvested restricted stock units granted 6/27/16; (d) 655 unvested restricted stock units granted 6/26/17; (e) 761 unvested restricted stock units granted 6/25/18; (f) 1,114 unvested restricted stock units granted 6/24/19; (g) 3,432 unvested restricted stock units granted 6/22/20; (h) 1,408 unvested restricted stock units granted 6/15/21; (i) 2,650 unvested restricted stock units granted 6/15/22; (j) 4,932 unvested restricted stock units granted 6/15/23; (k) 3,473 unvested restricted stock units granted 6/17/24; and (l) the new grant for 2,802 restricted stock units.

Content

The new grant is for 2,802 shares of common stock represented by restricted stock units, which will vest on June 16, 2026.

The total amount of securities beneficially owned includes: (a) 18,705 unrestricted shares; (b) 486 unvested restricted stock units granted 6/29/15; (c) 699 unvested restricted stock units granted 6/27/16; (d) 655 unvested restricted stock units granted 6/26/17; (e) 761 unvested restricted stock units granted 6/25/18; (f) 1,114 unvested restricted stock units granted 6/24/19; (g) 3,432 unvested restricted stock units granted 6/22/20; (h) 1,408 unvested restricted stock units granted 6/15/21; (i) 2,650 unvested restricted stock units granted 6/15/22; (j) 4,932 unvested restricted stock units granted 6/15/23; (k) 3,473 unvested restricted stock units granted 6/17/24; and (l) the new grant for 2,802 restricted stock units.