Gerspach John C 4

4 · BREAD FINANCIAL HOLDINGS, INC. · Filed Jun 18, 2025

Form 4

Period: 2025-06-16

Director

Transactions

Holdings

Footnotes (3)

[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) 12,212 unrestricted shares; (b) 5,981 unvested restricted stock units granted 6/22/20; (c) 2,241 unvested restricted stock units granted 6/15/21; (d) 431 unvested restricted stock units granted 9/15/21; (e) 474 unvested restricted stock units granted 12/15/21; (f) 538 unvested restricted stock units granted 3/15/22; (g) 2,650 unvested restricted stock units granted 6/15/22; (h) 934 unvested restricted stock units granted 7/15/22; (i) 969 unvested restricted stock units granted 10/17/22; (j) 912 unvested restricted stock units granted 1/17/23; (k) 1,038 unvested restricted stock units granted 4/17/23; (l) 4,932 unvested restricted stock units granted 6/15/23; (m) 1,186 unvested restricted stock units granted 7/17/23; (n) 1,033 unvested restricted stock units granted 10/16/23; (o) 3,473 unvested restricted stock units granted 6/17/24; (p) 887 unvested restricted stock units granted 7/15/24;
[F3]The shares are held by the Gerspach 2020 GST Exempt Trust, for which the Reporting Person's spouse serves as trustee.

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