BREAD FINANCIAL HOLDINGS, INC.

Securities

• BFH Common Stock NYSE
• BFH-PA Depositary Shares, each representing a 1/40th interest in a share of 8.625% Non-Cumulative Perpetual Preferred Stock, Series A NYSE
• BFH-PB Depositary Shares, each representing a 1/40th interest in a share of 8.875% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B NYSE
• BFH-PC Depositary Shares, each representing a 1/40th interest in a share of its 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C NYSE