MOROZ MARK MICHAEL (Chief Banking 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

MOROZ MARK MICHAEL

Filed: 5/22/2026ACC: 0002066890-26-000010

InsiderMOROZ MARK MICHAELCIK 2066890

→

IssuerLIVE OAK BANCSHARES, INC.CIK 1462120

Officer· Chief Banking Officer

Since Feb 2026

-3.16K

Net shares

Net seller

$114.5K

Total sold

Open market trades

0B · 0S

Total transactions

7.12K acquired · 10.28K disposed

Non-Derivative Transactions2

Voting Common Stock

Direct

M · Option Exercise

+7.12K

Price / share

—

Trade value

—

% of position

49.9%

5/20/2026

14.26K→21.37K

Voting Common Stock

Direct

F · Tax Withholding

−3.16K

Price / share

$36.20

Trade value

$114.50K

% of position

14.8%

5/20/2026

21.37K→18.21K

Total

Net shares

+3.95K

Net value

-$114.50K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Voting Common Stock Direct	5/20/2026	M · Option Exercise	+7.12K	—	—	49.9%	14.26K	21.37K
Voting Common Stock Direct	5/20/2026	F · Tax Withholding	−3.16K	$36.20	$114.50K	14.8%	21.37K	18.21K
Total			+3.95K		-$114.50K

Derivative Transactions1

Restricted Stock Units

Direct

M · Option Exercise

Converts to

Voting Common Stock

7.12K shares

−7.12K

Strike price

Held after

28.47K

Exercisable

—

5/20/2026

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Restricted Stock Units Direct	Voting Common Stock7.12K shares	5/20/2026	M · Option Exercise	−7.12K		—	28.47K

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

5.66K

Shares owned

5.66K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

6.76K

Shares owned

6.76K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

7.41K

Shares owned

7.41K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

8.98K

Shares owned

8.98K

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

—

Total

Underlying

30.39K

Owned

30.39K

Security	Underlying	Exercise Window	Expiration	Underlying Shares	Shares Owned
Restricted Stock Units Direct	Voting Common Stock	—	—	5.66K	5.66K
Restricted Stock Units Direct	Voting Common Stock	—	—	6.76K	6.76K
Restricted Stock Units Direct	Voting Common Stock	—	—	7.41K	7.41K
Restricted Stock Units Direct	Voting Common Stock	—	—	8.98K	8.98K
Restricted Stock Units Direct	Voting Common Stock	—	—	1.58K	1.58K
Total				30.39K	30.39K