Yousef A. Valine - 01 May 2025 Form 4 Insider Report for Live Oak Bancshares, Inc. (LOB)

Role: Director
Signature: /s/ Jonathan A. Greene, By Power of Attorney
Issuer symbol: LOB
Transactions as of: 01 May 2025
Net transactions value: $0
Form type: 4
Filing time: 05 May 2025, 17:40:01 UTC
Previous filing: 23 May 2024
Next filing: 21 May 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Valine Yousef A.	Director	1741 TIBURON DRIVE, WILMINGTON	/s/ Jonathan A. Greene, By Power of Attorney	05 May 2025	0001478836

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	LOB	Voting Common Stock	Options Exercise		+2,327	+45%		7,455	01 May 2025	Direct	F1
holding	LOB	Voting Common Stock						1,500	01 May 2025	By Valine Revocable Living Trust

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	LOB	Restricted Stock Units	Options Exercise	$0	-2,327	-100%	$0.000000	0	01 May 2025	Voting Common Stock	2,327		Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each restricted stock unit represents a contingent right to receive one share of Live Oak Bancshares, Inc. voting common stock.
F2	The restricted stock units vested on May 1, 2025.