X0306 4 2022-06-15 0001101215 BREAD FINANCIAL HOLDINGS, INC. ADS 0001771242 Kimbrough Karin 3095 LOYALTY CIRCLE COLUMBUS OH 43219 1 0 0 0 Common Stock 2022-06-15 4 A 0 2650 A 4164 D The new grant is for 2,650 shares of common stock represented by restricted stock units, which will vest on the earlier of (i) June 15, 2032 or (ii) termination of the director's service on the Company's board of directors, but in any case not earlier than June 15, 2023. The total amount of securities beneficially owned includes: (a) 1,408 unvested restricted stock units granted 6/15/21; (b) 106 unvested restricted stock units granted 3/15/22; and (c) the new grant for 2,650 restricted stock units. Benjamin L. Morgan, Attorney in Fact 2022-06-17