Gerspach John C 4

4 · BREAD FINANCIAL HOLDINGS, INC. · Filed Apr 17, 2026

AI-generated summary of this filing

Updated Apr 17, 2026

Bread Financial Director John C. Gerspach Receives 483 RSU Award

What Happened

John C. Gerspach, a director of Bread Financial Holdings, Inc. (BFH), was granted 483 restricted stock units (RSUs) on April 15, 2026. The RSUs have no purchase price and will vest on April 15, 2027. This is a compensation award (not a purchase or sale).

Key Details

Transaction date: April 15, 2026 (reported on Form 4 filed April 17, 2026).
Type: Award/Grant (code A) of 483 RSUs; vesting date: April 15, 2027.
Shares owned after transaction: reported beneficial ownership of 47,206 shares total, comprised of 18,762 unrestricted shares and 28,444 unvested RSUs (includes the new 483-RSU grant).
Notable footnotes: some shares are held by the Gerspach 2020 GST Exempt Trust (spouse serves as trustee). The filing lists many prior RSU grants (2020–2026) that remain unvested.
Filing timeliness: Form 4 was filed within the typical two-business-day window (timely).

Context

This was a standard equity compensation award to a director and does not represent an open-market buy or sell. Such grants are routine for aligning directors’ interests with shareholders and do not by themselves indicate the director’s view on the stock.

Form 4

Period: 2026-04-15

Director

Transactions

Holdings

Footnotes (3)

[F1]The new grant is for 483 shares of common stock represented by restricted stock units, which will vest on April 15, 2027.
[F2]The total amount of securities beneficially owned includes: (a) 18,762 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;
[F3]The shares are held by the Gerspach 2020 GST Exempt Trust, for which the Reporting Person's spouse serves as trustee.

Signature

/s/ Benjamin L. Morgan, Attorney in Fact|2026-04-17

1 file