Effective corporate governance should address the diverse priorities and interests of all of our stakeholders. Just as we are committed to delivering sustainable financial performance, we remain considerate of the material risks and opportunities involved in delivering value to our stockholders, clients, associates and communities. Following a long tradition of good governance, our board continues to develop, support and oversee the implementation of sustainable, stakeholder-centric practices consistent with the evolving governance environment, stakeholder expectations and the commitments we’ve made to them.

Core Principles That Drive Our Success

Ethical Decision-Making

Ethical Decision-Making

Responsible Lending

Sound Risk Management

Operational Excellence

Sustainable Business Practices

Inclusive Workplaces

Technology and Digital Advancements

Board Leadership

Inclusive Culture

Community Investments

Stakeholder Engagement

Ethics Helpline

Bread Financial stakeholders have access to the Ethics Helpline, which is operated by an independent third party and provides the ability to confidentially report conduct that appears illegal, unethical or otherwise inconsistent with our Code of Ethics. The Ethics Helpline is available 24 hours a day, 7 days a week. Reports to the Ethics Helpline can be made by phone at 877-217-6218 or online at www.breadfinancial.ethicspoint.com.


Corporate Ethics Office
7500 Dallas Parkway, Suite 700
Plano, Texas 75024
Email: CorporateEthics@breadfinancial.com
Phone number: 1-214-494-3507