Bread Financial : FinancialTM named “Best Consumer Payments Platform” in 2022 FinTech Breakthrough Awards program

"Younger consumers demand choice in payment channels and gravitate toward cash and digital budgeting tools," said James Johnson, managing director, FinTech Breakthrough. "Bread Financial creates opportunity for more consumers with 'breakthrough' options that bring ease, empowerment, and financial flexibility. With a significant portion of the millennial and Gen Z demographics preferring to stay away from credit and tending to be more cash flow conscious, BNPL solutions are an ideal option for them and we are thrilled to congratulate Bread Financial for winning our 'Best Consumer Payments Platform' in addressing this need."

About Bread Financial^™

Bread Financial^TM(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 brandedBread Cashback^TM American Express^® Credit CardandBread Savings^TMproducts.

Formerly Alliance Data, Bread Financial is an S&P MidCap 400 company headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its 6,000+ global associates. To learn more about Bread Financial, visitBreadFinancial.comor follow us onFacebook,LinkedIn,TwitterandInstagram.

Forward-looking statements

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