X0508 4 2025-12-09 0 0001462120 Live Oak Bancshares, Inc. LOB 0002066890 Moroz Mark Michael 1741 TIBURON DRIVE WILMINGTON NC 28403 0 1 0 0 Chief Banking Officer 0 Voting Common Stock 2025-12-09 4 M 0 2829 A 10136 D Voting Common Stock 2025-12-09 4 F 0 1258 33.02 D 8878 D Restricted Stock Units 2025-12-09 4 M 0 2829 0 D Voting Common Stock 2829 5659 D Restricted Stock Units Voting Common Stock 9264 9264 D Restricted Stock Units Voting Common Stock 9013 9013 D Restricted Stock Units Voting Common Stock 3160 3160 D Restricted Stock Units Voting Common Stock 4000 4000 D Restricted Stock Units Voting Common Stock 35587 35587 D Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. 2,829 of the RSUs vested on December 9, 2025, 2,830 of the RSUs will vest on December 9, 2026, and 2,829 of the RSUs will vest on December 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date. 1,852 of the RSUs will vest on February 10, 2026 and 1,853 of the RSUs will vest on each of February 10, 2027 and 2028, February 12, 2029 and February 11, 2030, subject to the reporting person's continuous service to the Company or a related entity on such date. 2,253 of the RSUs will vest on each of February 12, 2026 and 2027 and February 14, 2028 and 2,254 of the RSUs will vest on February 12, 2029, subject to the reporting person's continuous service to the Company or a related entity on such date. 1,580 of the RSUs will vest on each of February 17, 2026 and February 16, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs will vest on February 22, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five pro-rata annual installments beginning on May 19, 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 2025-12-10