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Bread Financial to Participate in the Stephens Annual Investment Conference

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Bread Financial Holdings, Inc. (NYSE: BFH) announced its participation in the Stephens Annual Investment Conference on November 17, 2022, with EVP and CFO Perry Beberman participating in a fireside chat. This event begins at 9:00 a.m. EST and will be broadcast live, with a replay available for 90 days post-presentation. Bread Financial, headquartered in Columbus, Ohio, focuses on offering tech-driven financial services, including payment, lending, and savings solutions, aimed at improving customer experience and providing financial flexibility.

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COLUMBUS, Ohio--(BUSINESS WIRE)-- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the Company’s participation in the Stephens Annual Investment Conference on Thursday, November 17, 2022.

EVP and Chief Financial Officer Perry Beberman will participate in a fireside chat.

The fireside chat will take place at 9:00 a.m. EST and will be broadcast live here or through the Company’s investor relations website. A replay of the webcast will be available for 90 days following the presentation.

About Bread Financial

Bread FinancialTM (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its 6,000+ global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit BreadFinancial.com or follow us on Facebook, LinkedIn, Twitter and Instagram.

Forward-Looking Statements

This release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking statements give our expectations or forecasts of future events and can generally be identified by the use of words such as "believe," "expect," "anticipate," "estimate," "intend," "project," "plan," "likely," "may," "should" or other words or phrases of similar import. Similarly, statements that describe our business strategy, outlook, objectives, plans, intentions or goals also are forward-looking statements. Examples of forward-looking statements include, but are not limited to, statements we make regarding, and the guidance we give with respect to, our anticipated operating or financial results, future financial performance and outlook, initiation or completion of strategic initiatives, including our ability to realize the intended benefits of the spinoff of the LoyaltyOne® segment, future dividend declarations, future economic conditions, including, but not limited to, market conditions, persistent inflation, rising interest rates, the increased probability of a recession and related impacts on consumer behavior, future legislative or regulatory actions that could have impact on our business and results of operations, including any such actions that may be taken with respect to late fees, interchange fees or other charges, developments in the geopolitical environment, including the war in Ukraine, and the ongoing effects of the global COVID-19 pandemic, all of which factors remain difficult to predict.

We believe that our expectations are based on reasonable assumptions. Forward-looking statements, however, are subject to a number of risks and uncertainties that could cause actual results to differ materially from the projections, anticipated results or other expectations expressed in this release, and no assurances can be given that our expectations will prove to have been correct. These risks and uncertainties include, but are not limited to, factors set forth in the Risk Factors section and elsewhere in our Annual Report on Form 10-K for the most recently ended fiscal year, which may be updated in Item 1A of, or elsewhere in, our Quarterly Reports on Form 10-Q filed for periods subsequent to such Form 10-K. Our forward-looking statements speak only as of the date made, and we undertake no obligation, other than as required by applicable law, to update or revise any forward-looking statements, whether as a result of new information, subsequent events, anticipated or unanticipated circumstances or otherwise.

Brian Vereb — Investor Relations

Brian.Vereb@breadfinancial.com

Shelley Whiddon — Media

214-494-3811

Shelley.Whiddon@breadfinancial.com

Rachel Stultz — Media

614-729-4890

Rachel.Stultz@breadfinancial.com

Source: Bread Financial

FAQ

When is Bread Financial's participation in the Stephens Annual Investment Conference?

Bread Financial will participate in the Stephens Annual Investment Conference on November 17, 2022.

Who will represent Bread Financial at the conference?

EVP and CFO Perry Beberman will represent Bread Financial at the conference.

What time does the Bread Financial presentation start?

The presentation will start at 9:00 a.m. EST.

Where can I watch the Bread Financial presentation?

The presentation can be watched live via the company’s investor relations website or through a provided webcast link.

How long will the Bread Financial presentation be available for replay?

The presentation will be available for replay for 90 days following the event.

What services does Bread Financial offer?

Bread Financial offers personalized payment, lending, and saving solutions.

Bread Financial Holdings, Inc.

NYSE:BFH

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