| Name | Relationship | Address | Signature | Signature date | CIK |
|---|---|---|---|---|---|
| Seward Gregory W | General Counsel | 1741 TIBURON DRIVE, WILMINGTON | /s/ Jonathan A. Greene, by Power of Attorney | 20 Nov 2025 | 0001656656 |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| transaction | LOB | Voting Common Stock | Options Exercise | $174,600 | +12,000 | +12% | $14.55 | 108,877 | 18 Nov 2025 | Direct | |
| transaction | LOB | Voting Common Stock | Tax liability | $91,652 | -3,051 | -2.8% | $30.04 | 105,826 | 18 Nov 2025 | Direct | |
| transaction | LOB | Voting Common Stock | Options Exercise | $21,825 | +1,500 | +1.4% | $14.55 | 107,326 | 19 Nov 2025 | Direct | |
| transaction | LOB | Voting Common Stock | Sale | $36,242 | -1,200 | -1.1% | $30.20 | 106,126 | 19 Nov 2025 | Direct | F1 |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Underlying Class | Amount | Exercise Price | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| transaction | LOB | Employee Stock Option (right to buy) | Options Exercise | $0 | -12,000 | -89% | $0.000000 | 1,500 | 18 Nov 2025 | Voting Common Stock | 12,000 | $14.55 | Direct | F2 |
| transaction | LOB | Employee Stock Option (right to buy) | Options Exercise | $0 | -1,500 | -100% | $0.000000 | 0 | 19 Nov 2025 | Voting Common Stock | 1,500 | $14.55 | Direct | F2 |
| holding | LOB | Restricted Stock Units | 1,000 | 18 Nov 2025 | Voting Common Stock | 1,000 | Direct | F3, F4 | ||||||
| holding | LOB | Restricted Stock Units | 4,740 | 18 Nov 2025 | Voting Common Stock | 4,740 | Direct | F3, F5 | ||||||
| holding | LOB | Restricted Stock Units | 35,846 | 18 Nov 2025 | Voting Common Stock | 35,846 | Direct | F3, F6 | ||||||
| holding | LOB | Restricted Stock Units | 11,016 | 18 Nov 2025 | Voting Common Stock | 11,016 | Direct | F3, F7 | ||||||
| holding | LOB | Restricted Stock Units | 9,264 | 18 Nov 2025 | Voting Common Stock | 9,264 | Direct | F3, F8 |
| Id | Content |
|---|---|
| F1 | This transaction was executed in multiple trades at prices ranging from $30.16 to $30.247. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected. |
| F2 | The shares subject to this option vested and became exercisable yearly in seven installments beginning on November 19, 2016, as follows: 10% of the shares subject to the option vested on each of November 19, 2016, 2017, 2018, 2019, and 2020; and 25% of the shares subject to the option vested on each of November 19, 2021 and 2022. |
| F3 | Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. |
| F4 | The RSUs vest in five equal annual installments beginning on February 22, 2022, subject to the reporting person's continuous service to the Company or a related entity on such date. |
| F5 | 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. |
| F6 | 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. |
| F7 | 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. |
| F8 | The RSUs vest in five equal annual installments beginning on February 10, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date. |