Joseph L. Motes III - 11 Dec 2025 Form 4 Insider Report for BREAD FINANCIAL HOLDINGS, INC. (BFH)

Role: EVP, CAO, Gen Counsel & Secy
Signature: Benjamin L. Morgan, Attorney in Fact
Issuer symbol: BFH
Transactions as of: 11 Dec 2025
Net transactions value: -$25,473
Form type: 4
Filing time: 15 Dec 2025, 19:02:55 UTC
Previous filing: 20 Feb 2025
Next filing: 19 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Motes Joseph L III	EVP, CAO, Gen Counsel & Secy	7500 DALLAS PARKWAY, SUITE 700, PLANO	Benjamin L. Morgan, Attorney in Fact	15 Dec 2025	0001648042

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	BFH	Common Stock	Tax liability	$25,473	-346	-0.28%	$73.62	123,734	11 Dec 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 reported transaction involved the withholding of 346 shares of stock issuable upon the early vesting of an equal number of restricted stock units to pay taxes associated with the reporting person becoming retirement eligible.
F2	The total number of securities beneficially owned includes: (a) 45,162 unrestricted shares; (b) 4,250 unvested units from an award of 12,971 time-based restricted stock units granted 3/24/23; (c) 19,457 unvested performance-based restricted stock units granted 3/24/23; (d) 9,641 unvested units from an award of 14,949 time-based restricted stock units granted 2/15/24; (e) 22,423 unvested performance-based restricted stock units granted 2/15/24; (f) unvested 8,913 time-based restricted stock units granted 2/18/25; and (g) unvested 13,888 performance-based restricted stock units granted 2/18/25.

Content

The reported transaction involved the withholding of 346 shares of stock issuable upon the early vesting of an equal number of restricted stock units to pay taxes associated with the reporting person becoming retirement eligible.

The total number of securities beneficially owned includes: (a) 45,162 unrestricted shares; (b) 4,250 unvested units from an award of 12,971 time-based restricted stock units granted 3/24/23; (c) 19,457 unvested performance-based restricted stock units granted 3/24/23; (d) 9,641 unvested units from an award of 14,949 time-based restricted stock units granted 2/15/24; (e) 22,423 unvested performance-based restricted stock units granted 2/15/24; (f) unvested 8,913 time-based restricted stock units granted 2/18/25; and (g) unvested 13,888 performance-based restricted stock units granted 2/18/25.