X0508 4 2026-02-17 0 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0002008252 Driscoll Allegra S 156 5TH AVENUE, FLOOR 2 MANHATTAN NY 10010 0 1 0 0 EVP, Chief Technology Officer 0 Common Stock 2026-02-17 4 A 0 7109 A 54656 D Common Stock 2026-02-17 4 A 0 10663 A 65319 D Common Stock 2026-02-17 4 F 0 2787 73.05 D 62532 D Common Stock 2026-02-18 4 F 0 2564 73.74 D 59968 D The new grant is for 7,109 shares of common stock represented by time-based restricted stock units (RSUs). These time-based RSUs will vest over a three-year period, with 2,345 units vesting on 2/17/27, 2,345 units vesting on 2/17/28 and 2,417 units vesting on 2/17/29, subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting dates. The new grant is for 10,663 shares of common stock represented by performance-based RSUs, which may be adjusted up or down at the time the performance targets are measured at the end of the three-year performance period. These performance-based RSUs may vest on 2/17/29 contingent on meeting predetermined performance measures and subject to continued employment (subject to certain limited exceptions) by the Reporting Person on the vesting date. Shares withheld by the Company to satisfy the Reporting Person's tax withholding obligation upon the vesting of restricted stock units. Benjamin L. Morgan, Attorney in Fact 2026-02-19