SIG: Material agreement · Financial results

Item 1.01 Entry into a Material Definitive Agreement On September 4, 2026, Signet Jewelers Limited (“Signet” or the “Company”), through its subsidiaries Sterling Jewelers Inc. (“Sterling”) and Zale Delaware, Inc. (“Zale”), entered into a Second Amended and Restated Credit Card Program Agreement (the “Program Agreement”) with Comenity Bank (“Comenity Bank”) and Comenity Capital Bank (“Comenity Capital Bank” and, together with Comenity Bank, “Bread”), each a subsidiary of Bread Financial Holdings, Inc. The Program Agreement amends and restates in their entirety (i) the Amended and Restated Credit Card Program Agreement, dated May 14, 2021, by and between Sterling and Comenity Bank and (ii) the Amended and Restated Private Label Credit Card Program Agreement, dated May 14, 2021, by and between Zale and Comenity Capital Bank, and continues the programs established thereunder as a single combined credit card program (the “Program”). The Program Agreement has an initial term through December 31, 2035 and, unless terminated earlier by either party, renews for successive two-year terms upon the mutual agreement of the parties. The Program Agreement provides for, among other things, that Bread will continue to operate a primary source program to issue credit cards to Sterling and Zale customers to be serviced, maintained, administered, collected upon, and promoted in accordance with the terms therein. The Program Agreement includes a signing bonus, which may be repayable under certain conditions if the Program Agreement is terminated. The Program Agreement also includes a profit share component, under which Bread will share with the Company a portion of the profits generated under the Program. Subject to certain exceptions, including permitting a second look program, during the