Bread Financial (BFH) Proxy filing summary

Executive summary

• Annual meeting scheduled for May 19, 2026, to be held virtually for shareholders of record as of March 25, 2026.

• Proxy materials, including the Notice of Meeting, Proxy Statement, and 2025 Annual Report, are available online, with paper copies available upon request.

Voting matters and shareholder proposals

• Election of nine directors is on the agenda, with the board recommending a vote for all nominees.

• Advisory vote on executive compensation (say-on-pay) is included.

• Proposal to approve the 2026 Employee Stock Purchase Plan.

• Ratification of Deloitte & Touche LLP as the independent registered public accounting firm for 2026.

• Other business may be addressed as appropriate during the meeting.

Board of directors and corporate governance

• Nine director nominees are listed for election at the annual meeting.