Bread Financial Holdings, Inc.

Bread Financial is a tech-forward financial services company offering payment, lending, and saving solutions to millions of U.S. consumers. The company provides general purpose credit cards and savings products under the Bread Financial brand. It also offers private label and co-brand credit cards and pay-over-time products for various brands. Co-brand credit card programs, compared to private label programs, show higher credit sales per account, an improved credit risk mix, generally resulting in higher transactor balances, lower delinquencies and late fees, and lower losses. Bread Financial also offers proprietary credit cards and Bread Pay products, which include installment loans and "split-pay" offerings. The company's partners include large consumer-based businesses and small- and medium-sized businesses (SMBs). Notable partners include AAA, Academy Sports + Outdoors, Caesars, Dell Technologies, Hard Rock International, the NFL, Raymour & Flanigan, Saks Fifth Avenue, Signet, Ulta, and Victoria's Secret. These partners span industries such as travel and entertainment, specialty apparel, health and beauty, jewelry, sporting goods, technology and electronics, and home and furniture. The company's suite of solutions, along with marketing and data and analytics, serves all customer segments: Gen Z, Millennial, Gen X, and Baby Boomers.