144 0001754522 XXXXXXXX LIVE 0001462120 Live Oak Bancshares, Inc. 001-37497 1741 TIBURON DRIVE WILMINGTON NC 28403 910-790-5867 Garriott Huntley affiliate Common Stock Charles Schwab & Co., Inc.

3000 Schwab Way Westlake TX 76262

200000 6660000.00 44363165 08/29/2023 NYSE Common Stock 11/27/2020 Restricted Stock Unit Live Oak Bancshares, Inc. N 200000 11/27/2020 Equity Compensation Y acquisition dates: 11/27/2020-3/22/2021 Name of person for whose account the securities are to be sold: Michael Huntley Garriott Jr. & Emily Brooks Garriott Jt Ten 08/29/2023 Michael Hunter Garriott Jr.