X0609 4 2026-04-24 0 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0001158369 BALLOU ROGER H false 3095 LOYALTY CIRCLE COLUMBUS OH 43219 1 0 0 0 0 Common Stock 2026-04-24 4 S 0 9687 90.32 D 30079 D The total amount of securities beneficially owned includes: (a) 11,626 unrestricted shares; (b) 699 unvested restricted stock units granted 6/27/16; (c) 655 unvested restricted stock units granted 6/26/17; (d) 761 unvested restricted stock units granted 6/25/18; (e) 1,114 unvested restricted stock units granted 6/24/19; (f) 3,432 unvested restricted stock units granted 6/22/20; (g) 1,408 unvested restricted stock units granted 6/15/21; (h) 2,650 unvested restricted stock units granted 6/15/22; (i) 4,932 unvested restricted stock units granted 6/15/23; and (j) 2,802 unvested restricted stock units granted 6/16/25. /s/ Benjamin L. Morgan, Attorney in Fact 2026-04-27