# EDGAR Filing Document

**Accession Number:** 0001101215
**File Stem:** 0001101215-23-000024
**Filing Date:** 2023-2
**Character Count:** 5332
**Document Hash:** 7e88d145d1dc6fb462f75d34d403690c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001101215-23-000024.hdr.sgml**: 20230213

**ACCESSION NUMBER**: 0001101215-23-000024

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20230213

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20230213

**DATE AS OF CHANGE**: 20230213

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BREAD FINANCIAL HOLDINGS, INC.
- **CENTRAL INDEX KEY:** 0001101215
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-BUSINESS SERVICES, NEC [7389]
- **IRS NUMBER:** 311429215
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-15749
- **FILM NUMBER:** 23614708

**BUSINESS ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219
- **BUSINESS PHONE:** 6147294000

**MAIL ADDRESS:**
- **STREET 1:** 3095 LOYALTY CIRCLE
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43219

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ALLIANCE DATA SYSTEMS CORP
- **DATE OF NAME CHANGE:** 19991217

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#### SECURITIES AND EXCHANGE COMMISSION

#### WASHINGTON, D.C. 20549

#### FORM 8-K

#### CURRENT REPORT

#### PURSUANT TO SECTION 13 OR 15(d) OF THE

#### SECURITIES EXCHANGE ACT OF 1934
Date of report (Date of earliest event reported):

#### February 13, 2023
![graphic](image00001.jpg)

### BREAD FINANCIAL HOLDINGS, INC.
(Exact Name of Registrant as Specified in Charter)

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| | | |
|:---|:---|:---|
| **Delaware**<br>| **001-15749**<br>| **31-1429215**<br>|
| (State or Other Jurisdiction | (Commission | (IRS Employer |
| of Incorporation) | File Number) | Identification No.) |

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#### 3095 LOYALTY CIRCLE

#### COLUMBUS, Ohio 43219
(Address and Zip Code of Principal Executive Offices)

(614) 729-4000

(Registrant's Telephone Number, including Area Code)

#### NOT APPLICABLE
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K is intended to simultaneously satisfy the filing obligation of the Registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act

Securities registered pursuant to Section 12(b) of the Act:

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| | |
|:---|:---|
| <u>Title of each class</u> | <u>Name of each exchange on which registered</u> |
| Common Stock, par value $0.01 per share<br> BFH<br>| NYSE<br>|

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ ]

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#### Item 7.01 Regulation FD Disclosure.
On February 13, 2023, Bread Financial Holdings, Inc. (the "Company") posted an investor presentation to the Company's website (at www.breadfinancial.com) on the "Investors" page under "About Us—Investors—Events & Presentations," where the Company routinely posts announcements, events, presentations, news releases and other investor information. The investor presentation may be used by the Company's senior officers in connection with the Company's participation in the Credit Suisse Financial Services Forum on Tuesday, February 14, 2023 and the Bank of America Securities 2023 Financial Services Conference on Wednesday, February 15, 2023, as well as in communications with investors, analysists and other market participants. Information on the Company's website does not constitute a part of this Current Report on Form 8-K.

#### Item 9.01 Financial Statements and Exhibits.
(d) Exhibits

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| | |
|:---|:---|
| **<u>Exhibit No.</u>** | **<u>Document Description</u>** |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). |

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The information contained in this report shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such a filing.

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | Bread Financial Holdings, Inc. | Bread Financial Holdings, Inc. |
| Date: February 13, 2023 | By: | <u>/s/ Joseph L. Motes III</u> |
|  |  | Joseph L. Motes III |
|  |  | Executive Vice President, Chief<br> Administrative Officer, General<br> Counsel and Secretary |

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