X0508 4 2025-11-18 0 0001462120 Live Oak Bancshares, Inc. LOB 0001656656 Seward Gregory W 1741 TIBURON DRIVE WILMINGTON NC 28403 0 1 0 0 General Counsel 0 Voting Common Stock 2025-11-18 4 M 0 12000 14.55 A 108877 D Voting Common Stock 2025-11-18 4 F 0 3051 30.04 D 105826 D Voting Common Stock 2025-11-19 4 M 0 1500 14.55 A 107326 D Voting Common Stock 2025-11-19 4 S 0 1200 30.2015 D 106126 D Employee Stock Option (right to buy) 14.55 2025-11-18 4 M 0 12000 0 D 2025-11-19 Voting Common Stock 12000 1500 D Employee Stock Option (right to buy) 14.55 2025-11-19 4 M 0 1500 0 D 2025-11-19 Voting Common Stock 1500 0 D Restricted Stock Units Voting Common Stock 1000 1000 D Restricted Stock Units Voting Common Stock 4740 4740 D Restricted Stock Units Voting Common Stock 35846 35846 D Restricted Stock Units Voting Common Stock 11016 11016 D Restricted Stock Units Voting Common Stock 9264 9264 D 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. 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. Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. 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. 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. 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. 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. 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. /s/ Jonathan A. Greene, by Power of Attorney 2025-11-20