Gerspach John C 4

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

AI-generated summary of this filing

Updated Jul 17, 2026

Bread Financial (BFH) Director John C. Gerspach Receives 730 RSUs

What Happened

John C. Gerspach, a director of Bread Financial Holdings, Inc. (BFH), received a grant of 730 restricted stock units (RSUs) on July 15, 2026. The filing reports the grant as an award (transaction code A); no purchase price or aggregate dollar value was reported. The RSUs are scheduled to vest on July 15, 2027.

Key Details

Transaction date: July 15, 2026; Form 4 filed July 17, 2026 (timely filing).
Transaction type/code: Award/Grant (A) of 730 RSUs; acquisition price listed as N/A.
Vesting: The new 730 RSUs vest on July 15, 2027 (Footnote F1).
Shares owned after transaction: Beneficial ownership reported as 49,574 total securities (22,235 unrestricted shares + 27,339 unvested RSUs, including this new 730-RSU grant) (Footnote F2).
Ownership/Trust detail: Some shares are held by the Gerspach 2020 GST Exempt Trust, for which the reporting person’s spouse is trustee (Footnote F3).
No indication of a 10b5‑1 plan, cashless exercise, tax withholding, or late filing in this report.

Context

RSU grants are a form of equity compensation and typically vest over time; they do not represent an immediate cash investment or sale. Such awards are often part of routine director compensation and should not be read alone as a buy/sell signal.

Form 4

Period: 2026-07-15

Director

Transactions

Holdings

Footnotes (3)

[F1]The new grant is for 730 shares of common stock represented by restricted stock units, which will vest on July 15, 2027.
[F2]The total amount of securities beneficially owned includes: (a) 22,235 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|2026-07-17

1 file