[Form 4] Bread Financial Holdings, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Bread Financial Holdings (BFH) director Laurie Anne Tucker received a new grant of 2,802 restricted stock units (RSUs) on June 16, 2025. These RSUs will vest on June 16, 2026.

Following this transaction, Tucker beneficially owns a total of 33,821 shares, consisting of:

• 4,000 unrestricted common shares
• 27,019 unvested RSUs from multiple grants between 2015-2024
• 2,802 newly granted RSUs

The filing, submitted by attorney-in-fact Benjamin L. Morgan on June 18, 2025, represents a standard equity compensation grant for board service. The diverse vesting schedule of Tucker's RSU holdings indicates consistent long-term board participation and alignment with shareholder interests.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Tucker Laurie Anne

(Last) (First) (Middle)

3095 LOYALTY CIRCLE

(Street)

COLUMBUS OH 43219

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
BREAD FINANCIAL HOLDINGS, INC. [ BFH ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
06/16/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/16/2025		A(1)		2,802	A	(1)	33,821(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. The new grant is for 2,802 shares of common stock represented by restricted stock units, which will vest on June 16, 2026.

2. The total amount of securities beneficially owned includes: (a) 4,000 unrestricted shares; (b) 486 unvested restricted stock units granted 6/29/15; (c) 1,179 unvested restricted stock units granted 6/27/16; (d) 1,085 unvested restricted stock units granted 6/26/17; (e) 1,341 unvested restricted stock units granted 6/25/18; (f) 1,645 unvested restricted stock units granted 6/24/19; (g) 5,007 unvested restricted stock units granted 6/22/20; (h) 1,731 unvested restricted stock units granted 6/15/21; (i) 206 unvested restricted stock units granted 9/15/21; (j) 227 unvested restricted stock units granted 12/15/21; (k) 257 unvested restricted stock units granted 3/15/22; (l) 2,650 unvested restricted stock units granted 6/15/22; (m) 369 unvested restricted stock units granted 7/15/22; (n) 464 unvested restricted stock units granted 10/17/22; (o) 437 unvested restricted stock units granted 1/17/23;

Remarks:

Footnote 2, continued: (p) 497 unvested restricted stock units granted 4/17/23; (q) 4,932 unvested restricted stock units granted 6/15/23; (r) 552 unvested restricted stock units granted 7/17/23; (s) 481 unvested restricted stock units granted 10/16/23; (t) 3,473 unvested restricted stock units granted 6/17/24; and (u) the new grant for 2,802 restricted stock units.

	Benjamin L. Morgan, Attorney in Fact	06/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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FAQ

How many restricted stock units (RSUs) did Laurie Anne Tucker receive from BFH on June 16, 2025?

Laurie Anne Tucker received 2,802 restricted stock units (RSUs) from Bread Financial Holdings (BFH) on June 16, 2025. These RSUs will vest on June 16, 2026.

What is the total number of BFH shares beneficially owned by Laurie Anne Tucker after the June 2025 transaction?

After the June 2025 transaction, Laurie Anne Tucker beneficially owned a total of 33,821 shares of BFH. This includes 4,000 unrestricted shares and various restricted stock unit grants from 2015 through 2025.

What is Laurie Anne Tucker's role at BFH according to the Form 4?

According to the Form 4 filing, Laurie Anne Tucker serves as a Director of Bread Financial Holdings (BFH), as indicated by the 'X' marked in the Director box under the Relationship of Reporting Person(s) to Issuer section.

When will the new BFH restricted stock units granted to Laurie Anne Tucker vest?

The 2,802 restricted stock units granted to Laurie Anne Tucker on June 16, 2025, will vest on June 16, 2026, exactly one year after the grant date.

How many different RSU grants does Laurie Anne Tucker hold for BFH stock as of this filing?

According to the filing's explanatory notes, Laurie Anne Tucker holds 21 different RSU grants for BFH stock, ranging from grants made in June 2015 to the most recent grant in June 2025, with varying quantities and vesting schedules.