Form 4 Filing for BREAD FINANCIAL HOLDINGS, INC.

Natarajan Rajesh, a director at BREAD FINANCIAL HOLDINGS, INC. (BFH), acquired 1,638 shares of common stock through a new grant of restricted stock units on June 15, 2026. These units will vest on June 15, 2027. Following this transaction, Mr. Rajesh beneficially owns a total of 21,442 securities. This total includes various unvested restricted stock units granted on different dates from June 2020 to June 2023, as well as 6,275 unrestricted stock units. The filing, reported on Form 4, was signed on June 17, 2026, by Benjamin L. Morgan as Attorney in Fact.