Form 4 Filing for John J. Fawcett

This Form 4 filing details a transaction by John J. Fawcett, a director at BREAD FINANCIAL HOLDINGS, INC. (BFH). On May 21, 2026, Fawcett acquired 698 shares of Common Stock at a price of $86.43 per share. Following this transaction, Fawcett beneficially owns a total of 11,000 shares. This total includes 8,198 unrestricted shares and 2,802 unvested restricted stock units granted on June 16, 2025. The transaction was executed under transaction code "P" for purchase and acquisition code "A". The filing was signed by Benjamin L. Morgan as Attorney in Fact on May 22, 2026.