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BREAD FINANCIAL HOLDINGS, INC.

For the period ended Sep 30, 2026. Filed Oct 27, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Oct 27, 2026

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

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Item 5. Other Information

(a)None.

(b)None.

(c)(i) On August 31, 2026, Ralph Andretta, our President and Chief Executive Officer, entered into a “Rule 10b5-1 trading arrangement,” as defined in Item 408(a) of Regulation S-K, providing for the sale from time to time of an aggregate of up to 75,000 shares of our common stock. The duration of the trading arrangement is until June 30, 2027 or earlier if all transactions under the trading arrangement are complete.(ii) On August 19, 2026, Valerie

Greer, our Executive Vice President and Chief Commercial Officer, entered into a “Rule 10b5-1 trading arrangement,” as defined in Item 408(a) of Regulation S-K, providing for the sale from time to time of an aggregate of up to 10,000 shares of our common stock. The duration of the trading arrangement is until February 19, 2027 or earlier if all transactions under the trading arrangement are complete. During the three months ended September 30, 2026, no other Section 16 officer or director of the Parent Company adopted orterminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

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