X0407 4 2023-04-17 0001101215 BREAD FINANCIAL HOLDINGS, INC. BFH 0001771242 Kimbrough Karin 3095 LOYALTY CIRCLE COLUMBUS OH 43219 1 0 0 0 0 Common Stock 2023-04-17 4 A 0 204 A 4889 D The new grant is for 204 shares of common stock represented by restricted stock units, which will vest on the earlier of (i) April 17, 2033 or (ii) termination of the director's service on the Company's board of directors, but in any case not earlier than April 17, 2024. 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; (c) 2,650 unvested restricted stock units granted 6/15/22; (d) 151 unvested restricted stock units granted 7/15/22; (e) 191 unvested restricted stock units granted 10/17/22; (f) 179 unvested restricted stock units granted 1/17/23; and (g) the new grant for 204 restricted stock units. Benjamin L. Morgan, Attorney in Fact 2023-04-19