| Name | Relationship | Address | Signature | Signature date | CIK |
|---|---|---|---|---|---|
| Stasiowska Ewa Maria | Chief Risk Officer | 1741 TIBURON DRIVE, WILMINGTON | /s/ Jonathan A. Greene, By Power of Attorney | 11 Feb 2026 | 0002099502 |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| holding | LOB | Voting Common Stock | 2,595 | 09 Feb 2026 | Direct |
| Type | Sym | Class | Transaction | Value $ | Shares | Change % | * Price $ | Shares After | Date | Underlying Class | Amount | Exercise Price | Ownership | Footnotes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| transaction | LOB | Restricted Stock Units | Award | $0 | +8,383 | $0.000000 | 8,383 | 09 Feb 2026 | Voting Common Stock | 8,383 | Direct | F1, F2 |
| Id | Content |
|---|---|
| F1 | Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. |
| F2 | The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date. |