Bread 金融 BFH

Mr. Ralph J. Andretta, President and Chief Executive Officer of Bread Financial since February 2020. Managing Director and Head of US Cards for Citigroup from 2011 to November 2019; and prior to that, he held positions in charge of loyalty, co-brand and product development. Global affinity and international card executive at Bank of America from 2010 to 2011. Served 18 years with American Express prior to 2010. Member of Nationwide Children's Hospital Board of Trustees from 2020 to present. Member of Women's Sports Foundation Board of Trustees from January 2023 to present. Bachelor's degree in accounting and finance from Siena College.

Mr. Perry S. Beberman, Joined Bread Financial as Executive Vice President and Chief Financial Officer in July 2021, Served in various leadership roles with increasing responsibility at Bank of America from 2005 to June 2021, including as Senior Vice President and Finance Executive of Bank of America's consumer and wealth management lending products from October 2019 to June 2021, Joined Bank of America following its acquisition of MBNA in 2005, where he had spent more than 17 years in leadership roles with increasing responsibility, Director of Ronald McDonald House of Delaware, where he serves as the Chair and a member of the Executive Committee, Finance Committee, Governance Committee and Advisory Committee, Director of Reach Riverside Corp., where he serves as the Chair of the Finance Committee, Holds a Bachelor's degree in business administration and an MBA from the University of Delaware.

Ms. Valerie E. Greer, Joined Bread Financial as Executive Vice President and Chief Commercial Officer in June 2020, Before joining Bread Financial, led the U.S. cards co-brand business at Citigroup, where Ms. Greer worked from September 2011 to April 2020, Served as the General Manager, Partnerships for JPMorgan Chase from 2006 to 2011, Served in senior leadership positions with increasing responsibility at HSBC from 1994 to 2006, including as the Executive Director of HSBC's private label business from 2003 to 2006, Director of Ruling Our eXperiences, Inc., a girls not-for-profit organization where she serves as a member of the Development Committee, Holds a Bachelor's degree from University of Manitoba and an MBA from the Kellogg School of Management at Northwestern University. Valerie Greer, Executive Vice President and Chief Commercial Officer of Bread Financial Holdings, Inc., has provided notice of her intent to retire, effective on or around February 19, 2027.

Allegra S. Driscoll, Joined Bread Financial as Executive Vice President and Chief Technology Officer in January 2024. Came to Bread Financial from American Express where she served as SVP, Chief Information Officer of the Global Commercial Services Unit from April 2022 to January 2024 and SVP, Chief Information Officer of the Corporate Systems Unit and Head of Technology Strategy & Transformation from January 2020 to April 2022. Served in senior leadership positions with increasing responsibility at Credit Suisse from September 2010 to December 2019, including as the Managing Director, COO Global Markets Technology and IHC Technology during 2019.Served in various leadership positions with increasing responsibility at Goldman Sachs from May 2001 to July 2010.Member of the Advisory Board of the CTO Forum, a not-for-profit organization composed of senior technology executives, business leaders and academicians, focused on key technology issues and accelerating innovation across organizations. Director of Boscobel House and Gardens, a not-for-profit organization. Holds a Bachelor's degree in computer science from Barnard College, Columbia University.

Mr. Joseph L. Motes, III, Has served as Executive Vice President, Chief Administrative Officer, General Counsel and Secretary of Bread Financial since June 2019; originally joined the Company as General Counsel and Secretary in July 2015. Before joining Bread Financial, Mr. Motes was a partner at Akin, Gump, Strauss, Hauer & Feld, LLP, where he worked for nearly 20 years and was the lead relationship partner for the Company. Holds a Bachelor's degree in geology from Trinity University and a J.D. from Southern Methodist University Dedman School of Law, where he served as Editor-in-Chief of the SMU Law Review.

Mr. Timothy J. Theriault, Advisor to the Chief Executive Officer of Walgreens Boots Alliance, Inc. from June 2015 until November 2016, Executive Vice President and Global Chief Information Officer of Walgreens Boots Alliance, Inc. from July 2014 to June 2015, Served in senior leadership positions with increasing responsibility at Walgreen Co. from October 2009 to July 2014, including as Senior Vice President and Chief Information, Innovation and Improvement Officer, Served in various executive and management positions with increasing responsibility in the area of information technology with Northern Trust Corporation from May 1991 to October 2009 and July 1982 to October 1989, Director of End User Computing and Advanced Technologies for S. C. Johnson & Son, Inc., from October 1989 to May 1991, Current Director and a member of the Financial & Investment Committee and Compliance Committee of Wellmark Blue Cross and Blue Shield, Former lead Director of the Depository Trust Clearing Corporation. Bachelor's degree from Illinois State University Completed the Harvard Business School advanced management program. Other Public Directorships in Past Five Years: Vitamin Shoppe, Inc.

Mr. John C. Gerspach, Self-employed consultant since March 2022 Chief Financial Officer of Citigroup, Inc. from 2009 to 2019 and was employed by Citigroup, Inc. in various capacities of increasing experience and responsibilities since 1990, , Chief Financial Officer of Penn Central Industries Group from 1986 to 1990, Comptroller of the Defense Contracting Group at ITT Corporation from 1980 to 1986, Served in various roles with Arthur Andersen & Company at the beginning of his career, Member of the Financial Accounting Standards Advisory Council (FASAC) from 2010 to 2013, Bachelor's degree in accountancy from the University of Notre Dame, Certified Public Accountant in the State of New York from 1977 to 2019.

Ms. Sharen Jester Turney, Chief Executive Officer of Russia-based jeans brand Gloria Jeans from November 2018 until November 2019 Director of Sweden-based designer sock and underwear brand Happy Socks AB from January 2018 until November 2019, President and Chief Executive Officer of Victoria's Secret, a division of publicly-traded national retailer L Brands, Inc., from July 2006 until February 2016, President and Chief Executive Officer of Victoria's Secret Direct, the brand's catalogue and e-commerce arm, from May 2000 until July 2006, Served for 10 years in various executive roles including President and Chief Executive Officer of Neiman Marcus Direct, the direct marketing division of luxury brand retailer Neiman Marcus Group, Served as an advisor to several retailers and technology companies, Director of FULLBEAUTY Brands from July 2016 to September 2018, Director of Nationwide Children's Hospital, Inc., including as Chairman of the Board of its Research Institute, from 2012 to 2018, Formerly served on the Baker Retailing Center Industry Advisory Board at Wharton School at the University of Pennsylvania, Director of the University of Oklahoma Foundation, where she serves as the Chair of the Audit Committee and a member of the Investment Committee, Bachelor's degree from the University of Oklahoma. Other Current Public Directorships: Paycom Software, Inc. - Member of the Compensation Committee and Nominating & Corporate Governance Committee. Other Public Directorships in the Past Five Years: M/I Homes, Inc. Academy Sports and Outdoors, Inc.- Member of the Compensation Committee and Nominating & Corporate Governance Committee.

Ms. Laurie A. Tucker, Founder and Chief Strategy Officer for marketing consultancy firm, Calade Partners LLC since January 2014, Senior Vice President-Corporate Marketing of FedEx Services, Inc., a subsidiary of FedEx Corporation, a public company engaged in transportation, e-commerce and business services, from 2000 to 2013 and was employed by FedEx in various capacities of increasing experience and responsibilities since 1978, Bachelor's degree and an MBA from the University of Memphis. Other Current Public Directorships- Forward Air Corporation- Chair of the Corporate Governance and Nominating Committee, Member of the Executive Committee.

Mr. Rajesh Natarajan, Chief Product and Strategy Officer of Globalization Partners since March 2022, Executive Vice President of Products and Engineering of RingCentral, Inc. from December 2020 to December 2021, Executive Vice President and Chief Product and Technology Officer of Ancestry.com from February 2017 to November 2020, Served in senior leadership positions with increasing responsibility in the areas of technology and product development at Intuit, Inc. from 2014 to 2017, including as Senior Vice President and Chief Information Security and Fraud Officer, Served in senior leadership positions with increasing responsibility in the areas of technology and product development at PayPal Holdings, Inc. from 2006 to 2014, including as Vice President, Platform Engineering and Operations, Served in various management positions with increasing responsibility in the area of technology from 1995 to 2006 with Sabre Holdings Corporation, including as an early member of the development team that founded Travelocity.com, Bachelor's degree in mechanical engineering from Jawaharlal Nehru Technology University in India, Master's degree in industrial engineering from Clemson University. Other Current Public Directorships: HealthEquity, Inc. - Member of the Cybersecurity and Technology Committee and Audit and Risk Committee.

Ms. Joyce M. St. Clair, Executive Vice President and Chief Human Resources Officer of Northern Trust Corporation from July 2018 until her retirement in April 2022. Served in senior leadership positions with increasing responsibility at Northern Trust Corporation since joining the firm in 1992, including as Executive Vice President and Chief Capital Management Officer from 2015 to 2018, as President of Enterprise Operations from 2014 to 2015, as President of Operations and Technology from 2011 to 2014, and as Chief Risk Officer from 2007 to 2011. Served as an associate partner for Accenture prior to joining Northern Trust Corporation. Appointed by President Obama to serve as a member of the advisory committee of the Pension Benefit Guaranty Corporation (PBGC) from 2016 until her term expired in 2019. Bachelor's degree from Indiana University, Kelley School of Business. MBA from the Booth School of Business at the University of Chicago.

On June 10, 2024, the Board of Directors of Bread Financial Holdings, Inc. (the Company) voted to increase the size of the Board to ten directors and appointed Praniti Lakhwara as a director and member of the Risk & Technology Committee, all effective as of June 10, 2024. Ms. Lakhwara currently serves as Chief Information Officer of Zscaler, Inc. Prior to becoming CIO, Ms. Lakhwara served as Zscaler's Senior Vice President of Information Technology and Applications from May 2021 to March 2022. Before joining Zscaler, Inc., Ms. Lakhwara served in senior leadership positions at Conga Inc. from May 2017 to May 2021, including as Chief Information Officer and Data Privacy Officer. She has also held various technology leadership roles with increasing responsibility at Nimble Storage, Inc. from 2015 to 2017, at Guidewire Software, Inc. from 2013 to 2015 and at Align Technology, Inc. from 2001 to 2013. Ms. Lakhwara currently serves as the chief information officer (CIO) at Zscaler, a global provider of cloud security solutions where she drives a comprehensive strategy to enable and scale a seamless experience for customers and employees. Prior to becoming CIO, she was the senior vice president of information technology and applications from 2021-2022. Before joining Zscaler, Ms. Lakhwara was the chief information officer at Conga, a provider of revenue recognition software, from 2017-2021, where she was responsible for infrastructure, applications, security and data platforms. She has also held various technology leadership roles with increasing responsibility, including vice president, information technology at Nimble Storage from 2015-2017 and senior director, applications and integration at Guideware Software from 2013-2015.Served in various technology roles with increasing responsibility at Align Technology, Inc. from 2001 to 2013. She holds Bachelor's degree in aeronautical engineering from Arizona State University.

Mr. J. Bryan Campbell, Joined Bread Financial as Senior Vice President and Chief Accounting Officer in November 2021. Came to Bread Financial from American Express Company, where he served as Vice President of Finance within the Controllership leadership team from February 2017 to November 2021, Vice President of Finance - Head of External Reporting from March 2015 to February 2017, and in other roles of increasing responsibility from August 2007 to March 2015. Served as Assistant Controller at General Electric Company from 2006 to 2007. Held various strategic and finance roles at Credit Suisse, Deloitte and KPMG from 1995 to 2006. Holds a Bachelor's degree in accounting and finance from the University of Colorado at Boulder and is a Certified Public Accountant in the state of Colorado.

Ms. Tammy M. McConnaughey, Has served as Executive Vice President overseeing Operations and Credit Risk of Bread Financial since January 2021; originally joined the Company in 1992. Prior to her current role, Ms. McConnaughey served in increasingly senior leadership positions over her thirty-year tenure with the Company across collections, customer care, operations and credit risk. Director of Mid-Ohio Food Collective, a not-for-profit organization. Holds a Bachelor's degree in business from Mount Vernon Nazarene University.