DERRAIK RENATO (Chief Info. & Digital Officer) exercised options at LIVE OAK BANCSHARES, INC.

Option exercise — a mechanical event triggered by vesting or expiry. Not a discretionary conviction trade.

M · 1 exercise

DERRAIK RENATO

Filed: 8/12/2026ACC: 0001864098-26-000012

InsiderDERRAIK RENATOCIK 1864098

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IssuerLIVE OAK BANCSHARES, INC.CIK 1462120

Officer· Chief Info. & Digital Officer

Since Jun 2021

-11.11K

Net shares

Net seller

$469.2K

Total sold

Open market trades

0B · 0S

Total transactions

25K acquired · 36.11K disposed

Non-Derivative Transactions2

Voting Common Stock

Direct

M · Option Exercise

+25K

Price / share

—

Trade value

—

% of position

589.2%

8/10/2026

4.24K→29.24K

Voting Common Stock

Direct

F · Tax Withholding

−11.11K

Price / share

$42.23

Trade value

$469.22K

% of position

38.0%

8/10/2026

29.24K→18.13K

Total

Net shares

+13.89K

Net value

-$469.22K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Voting Common Stock Direct	8/10/2026	M · Option Exercise	+25K	—	—	589.2%	4.24K	29.24K
Voting Common Stock Direct	8/10/2026	F · Tax Withholding	−11.11K	$42.23	$469.22K	38.0%	29.24K	18.13K
Total			+13.89K		-$469.22K

Derivative Transactions1

Restricted Stock Units

Direct

M · Option Exercise

Converts to

Voting Common Stock

25K shares

−25K

Strike price

Held after

0.00

Exercisable

—

8/10/2026

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Restricted Stock Units Direct	Voting Common Stock25K shares	8/10/2026	M · Option Exercise	−25K		—	0.00

Non-Derivative Holdings (Post-Transaction)0

No non-derivative holdings reported

Derivative Holdings (Post-Transaction)5

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

35.85K

Shares owned

35.85K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

12.77K

Shares owned

12.77K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

13.17K

Shares owned

13.17K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

1.58K

Shares owned

1.58K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

12.54K

Shares owned

12.54K

Exercise price

Expiration

—

Exercise window

—

Total

Underlying

75.91K

Owned

75.91K

Security	Underlying	Exercise Window	Expiration	Underlying Shares	Shares Owned
Restricted Stock Units Direct	Voting Common Stock	—	—	35.85K	35.85K
Restricted Stock Units Direct	Voting Common Stock	—	—	12.77K	12.77K
Restricted Stock Units Direct	Voting Common Stock	—	—	13.17K	13.17K
Restricted Stock Units Direct	Voting Common Stock	—	—	1.58K	1.58K
Restricted Stock Units Direct	Voting Common Stock	—	—	12.54K	12.54K
Total				75.91K	75.91K