Initial Statement of Beneficial Ownership of Securities

Denise Pauli Pavarina, a director at BANK BRADFORD, has filed an initial statement of beneficial ownership. The filing, dated March 18, 2026, details her holdings following a transaction. Pavarina directly owns 350,018 preference shares (BBDC4) and 321 common shares (BBDC3). The signature date on the document is April 14, 2026.