BREAD FINANCIAL HOLDINGS, INC.

(a)On October 24, 2025, the Parent Company filed a Certificate of Elimination with the Secretary of State of the State of Delaware with respect to the Parent Company’s Series A Non-Voting Convertible Preferred Stock, par value $.01 per share (the Series A Preferred Stock), which, effective upon filing, eliminated from the Parent Company’s Third Amended and Restated Certificate of Incorporation, as amended, all matters set forth in the Certificate of Designations for the Series A Preferred Stock (the Certificate of Designations). All outstanding shares of the Series A Preferred Stock were retired in October 2019, and no shares of the Series A Preferred Stock have been outstanding since that date.

A copy of the Certificate of Elimination with respect to the Parent Company’s Series A Preferred Stock is filed as Exhibit 3.3 to this Form 10-Q and is incorporated herein by reference.

(b)None

(c)During the three months ended September 30, 2025, no Section 16 officer or director of the Parent Company adopted orterminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.