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BREAD FINANCIAL HOLDINGS, INC.

For the period ended Dec 31, 2025. Filed Feb 13, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 13, 2026

BFH$98.61-3.2%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 2. Properties

As of December 31, 2025, we leased 12 general office properties, comprised of approximately 1.1 million square feet, of which approximately 0.4 million square feet are subleased or on the sublease market. Our principal facilities used to carry out our operational, sales and administrative functions are as follows (in alphabetical order, by city):

Location · ApproximateSquare Footage · Lease Expiration Date
Bangalore, Karnataka, India87,400January 31, 2029
Chadds Ford, Pennsylvania9,900April 30, 2027
Coeur D’Alene, Idaho23,500(1)July 31, 2038
Columbus, Ohio326,400(1)September 12, 2032
Draper, Utah22,900(1)August 31, 2031
New York, New York18,500February 29, 2028
Plano, Texas28,000(1)June 30, 2026
Wilmington, Delaware5,200July 31, 2027

(1)Excludes square footage of subleased portion.

We believe our current facilities are suitable to our businesses and that we will be able to lease, purchase or newly construct additional facilities as needed.

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.