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

3000 Schwab Way Westlake TX 76262

242033 7873333.00 44363165 09/06/2023 NYSE Common 01/13/2021 Restricted Stock Units Issuer N 242033 01/13/2021 Equity Compensation N Michael Huntley Garriott Jr. & Emily Brooks Garriott

C/O Live Oak Bancshares, Inc., 1741 Tiburon Drive Wilmington NC 28403

Common 08/29/2023 28506 943326.22 Michael Huntley Garriott Jr & Emily Brooks Garriott

C/O Live Oak Bancshares, Inc. 1741 Tiburon Drive Wilmingtron NC 28403

Common 08/30/2023 33185 1064601.22 Michael Huntley Garriott Jr & Emily Brooks Garriott

C/O Live Oak Bancshares, Inc. 1741 Tiburon Drive Wilmington NC 28403

Common 08/31/2023 76409 2470065.31 Michael Huntley Garriott Jr & Emily Brooks Garriott

C/O Live Oak Bancshares, Inc. 1741 Tiburon Drive Wilminton NC 28403

Common 09/01/2023 61900 199904.82 Table I Acquisition Dates 1/13/2021 - 2/22/2023 09/06/2023 Michael Huntley Garriott Jr