X0609 4 2026-10-28 0 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0001614143 Fawcett John J. false 3095 LOYALTY CIRCLE COLUMBUS OH 43219 1 0 0 0 0 Preferred Stock 2026-10-28 4 P 0 3000 24.69 A 3000 D Preferred Stock 2026-10-28 4 P 0 2000 24.71 A 5000 D Each depositary share ("Depositary Share") represents a 1/40th interest in a share of BFH's 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, par value $0.01 per share ("Series C Preferred Stock"), with a liquidation preference of $25 per Depositary Share (equivalent to $1,000 per share of Series C Preferred Stock). The Series C Preferred Stock is a non-convertible perpetual preferred equity security of BFH. The terms of the Series C Preferred Stock are set forth in the Certificate of Designations for the Series C Preferred Stock. The holders of the Series C Preferred Stock generally will have no voting rights, except for the right to elect two additional directors if BFH fails to pay dividends for six quarterly dividend periods (whether or not consecutive), and in certain other events. /s/ Benjamin L. Morgan, Attorney in Fact 2026-10-30