LOB

SEC source: 0001578563-24-000101 · wk-form4_1708124117.xml · nonDerivative · entry 3

Derraik Renato · CIK 0001864098 · Chief Info./Digital Off., Bank

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 24,340

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · derivative · entry 6

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 948

Underlying: Voting Common Stock · 316 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F4 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F4 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · nonDerivative · entry 4

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 57,015

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · nonDerivative · entry 3

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 57,173

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · derivative · entry 7

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 4,740

Underlying: Voting Common Stock · 1,580 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · nonDerivative · entry 4

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 14,065

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · nonDerivative · entry 3

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 14,808

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · derivative · entry 6

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 4,740

Underlying: Voting Common Stock · 1,580 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · nonDerivative · entry 4

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Indirect · By Steven Joseph Smits Revocable Trust

Disclosed balance after: 149,577

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · nonDerivative · entry 3

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Indirect · By Steven Joseph Smits Revocable Trust

Disclosed balance after: 150,278

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · derivative · entry 6

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 7,110

Underlying: Voting Common Stock · 2,370 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · nonDerivative · entry 4

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 96,327

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · nonDerivative · entry 3

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 97,399

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · derivative · entry 6

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 4,740

Underlying: Voting Common Stock · 1,580 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · nonDerivative · entry 4

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 27,500

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · nonDerivative · entry 3

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 28,039

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · derivative · entry 6

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 3,792

Underlying: Voting Common Stock · 1,264 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · nonDerivative · entry 4

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 71,625

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · nonDerivative · entry 3

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 72,254

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · derivative · entry 6

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 2,844

Underlying: Voting Common Stock · 948 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: 948 of the RSUs will vest on each of February 14, 2024, 2025, 2026 and 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: 948 of the RSUs will vest on each of February 14, 2024, 2025, 2026 and 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · nonDerivative · entry 4

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 51,922

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · nonDerivative · entry 3

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 52,390

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000101 · wk-form4_1708124117.xml · derivative · entry 5

Derraik Renato · CIK 0001864098 · Chief Info./Digital Off., Bank

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 71,692

Underlying: Voting Common Stock · 17,923 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000101 · wk-form4_1708124117.xml · nonDerivative · entry 2

Derraik Renato · CIK 0001864098 · Chief Info./Digital Off., Bank

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 22,760

SEC source: 0001578563-24-000101 · wk-form4_1708124117.xml · nonDerivative · entry 1

Derraik Renato · CIK 0001864098 · Chief Info./Digital Off., Bank

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 30,851

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · derivative · entry 5

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 2,845

Underlying: Voting Common Stock · 711 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · balance_after: In the Form 4 filed by the reporting person on February 14, 2023 (the "2023 Form 4"), the aggregate holdings reported in Columns 7 and 10 were inadvertently misstated. The 3,356 shares of RSUs listed in the 2023 Form 4 and subsequent filings should have been reported as 3,556. The aggregate number of RSUs held after the current transaction are correctly listed in this current Form 4.

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · nonDerivative · entry 2

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 56,857

SEC source: 0001578563-24-000108 · wk-form4_1708124322.xml · nonDerivative · entry 1

SUTHERLAND JOHN W. · CIK 0001635154 · Chief Accounting Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 57,211

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · derivative · entry 6

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 11,380

Underlying: Voting Common Stock · 2,844 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · nonDerivative · entry 2

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 13,228

SEC source: 0001578563-24-000107 · wk-form4_1708124302.xml · nonDerivative · entry 1

Spencer Courtney · CIK 0001937224 · Chief Experience Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 14,551

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · derivative · entry 5

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,242

Underlying: Voting Common Stock · 2,560 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · nonDerivative · entry 2

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Indirect · By Steven Joseph Smits Revocable Trust

Disclosed balance after: 148,698

SEC source: 0001578563-24-000106 · wk-form4_1708124277.xml · nonDerivative · entry 1

Smits Steve · CIK 0001648958 · Chief Credit Officer

10b5-1 filing: No plan indicated

Ownership: Indirect · By Steven Joseph Smits Revocable Trust

Disclosed balance after: 149,830

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · derivative · entry 5

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 47,795

Underlying: Voting Common Stock · 11,948 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · nonDerivative · entry 2

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 95,029

SEC source: 0001578563-24-000105 · wk-form4_1708124254.xml · nonDerivative · entry 1

Seward Gregory W · CIK 0001656656 · General Counsel

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 100,382

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · derivative · entry 5

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 47,795

Underlying: Voting Common Stock · 11,948 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · nonDerivative · entry 2

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 26,459

SEC source: 0001578563-24-000103 · wk-form4_1708124179.xml · nonDerivative · entry 1

Mann Stephanie · CIK 0001937537 · Chief Strategy Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 30,067

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · derivative · entry 5

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 71,692

Underlying: Voting Common Stock · 17,923 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · nonDerivative · entry 2

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 70,990

SEC source: 0001578563-24-000102 · wk-form4_1708124144.xml · nonDerivative · entry 1

Losch William C III · CIK 0001453279 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 79,069

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · derivative · entry 5

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 9,104

Underlying: Voting Common Stock · 2,275 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · nonDerivative · entry 2

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 51,442

SEC source: 0001578563-24-000100 · wk-form4_1708124093.xml · nonDerivative · entry 1

Davis Micah S · CIK 0001977288 · Chief Marketing & Comm Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 52,512

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

SEC source: 0001578563-24-000070 · wk-form4_1707959024.xml · derivative · entry 4

Phifer Walter J · CIK 0002006943 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 10,015

Underlying: Voting Common Stock · 10,015 shares

Expires not disclosed

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F3 · derivative.exercise_date: The RSUs vest in five equal annual installments beginning on February 12, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date.

F3 · derivative.expiration_date: The RSUs vest in five equal annual installments beginning on February 12, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000070 · wk-form4_1707959024.xml · derivative · entry 3

Phifer Walter J · CIK 0002006943 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 195

Underlying: Voting Common Stock · 195 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · derivative.exercise_price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

F2 · derivative.exercise_date: The RSUs vest in five pro rata annual installments beginning on February 10, 2021, subject to the reporting person's continuous service to the Company or a related entity on such date.

F2 · derivative.expiration_date: The RSUs vest in five pro rata annual installments beginning on February 10, 2021, subject to the reporting person's continuous service to the Company or a related entity on such date.

SEC source: 0001578563-24-000070 · wk-form4_1707959024.xml · nonDerivative · entry 2

Phifer Walter J · CIK 0002006943 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 3,568

SEC source: 0001578563-24-000070 · wk-form4_1707959024.xml · nonDerivative · entry 1

Phifer Walter J · CIK 0002006943 · Chief Financial Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 3,665

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.