<div id="readability-page-1"><div>Phifer Walter J Chief Financial Officer of Live Oak Bancshares Inc [LOB] filed a Form 4 on December 10, 2025 with the Securities and Exchange Commission disclosing the following changes in ownership:<div><table><tbody><tr><th>Date</th><th>Transaction</th><th>Shares</th><th>Price</th><th>Value</th></tr><tr><td>12/9/25</td><td>Exercise</td><td>1,572</td><td>$0.00</td><td>N/A</td></tr><tr><td>12/9/25</td><td>Surrender(1)</td><td>729</td><td>$33.02</td><td>$24,072</td></tr></tbody></table></div>Ending Holdings: 6,586 - Direct<ul><li>(1)</li><li>Surrender of shares back to company to pay option exercise cost and/or resulting tax liability.</li></ul>For a free trial, or to learn more about our insider trading analysis and data services, please visit http://www.washingtonservice.com or contact us at (301) 913-5100 or send an email to info@washingtonservice.com.Founded in 1970, The Washington Service provides securities professionals with financial, economic and public policy research and data. </div></div>

CFO Phifer Walter J of Live Oak Bancshares Inc filed a Form 4 with the SEC, disclosing ownership changes. On December 9, 2025, he exercised 1,572 shares at $0.00 and surrendered 729 shares at $33.02, valued at $24,072, to cover option exercise costs and/or tax liabilities. His ending direct holdings are 6,586 shares.

CFO Phifer Acquires 843 Of Live Oak Bancshares Inc [LOB]