BREAD FINANCIAL HOLDINGS, INC. — Form 8-K

Amendment No. 2 to the Credit Agreement, effective September 3, 2026, modifies terms originally dated June 7, 2023 (as amended October 18, 2024). Counterparties are JPMorgan Chase Bank N.A. (Administrative Agent), BMO Bank N.A., Canadian Imperial Bank of Commerce, KeyBank National Association, Royal Bank of Canada, Bank of Nova Scotia, Truist Bank, Wells Fargo Bank, Fifth Third Bank, U.S. Bank National Association, Associated Bank N.A., and Huntington National Bank. The amendment's specific operational changes are contained in Exhibit A (not fully detailed in this excerpt), but appears to be a technical/administrative update to a revolving credit facility. No dollar amounts, interest rates, or material terms are disclosed in the amendment excerpts provided.