PHIFER WALTER J (Chief Financial 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

PHIFER WALTER J

Filed: 8/19/2026ACC: 0002006943-26-000012

InsiderPHIFER WALTER JCIK 2006943

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IssuerLIVE OAK BANCSHARES, INC.CIK 1462120

Officer· Chief Financial Officer

Since Mar 2026

-1.30K

Net shares

Net seller

$55.2K

Total sold

Open market trades

0B · 0S

Total transactions

2.92K acquired · 4.21K disposed

Non-Derivative Transactions2

Voting Common Stock

Direct

M · Option Exercise

+2.92K

Price / share

—

Trade value

—

% of position

28.9%

8/18/2026

10.10K→13.02K

Voting Common Stock

Direct

F · Tax Withholding

−1.30K

Price / share

$42.60

Trade value

$55.21K

% of position

10.0%

8/18/2026

13.02K→11.72K

Total

Net shares

+1.62K

Net value

-$55.21K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Voting Common Stock Direct	8/18/2026	M · Option Exercise	+2.92K	—	—	28.9%	10.10K	13.02K
Voting Common Stock Direct	8/18/2026	F · Tax Withholding	−1.30K	$42.60	$55.21K	10.0%	13.02K	11.72K
Total			+1.62K		-$55.21K

Derivative Transactions1

Restricted Stock Units

Direct

M · Option Exercise

Converts to

Voting Common Stock

2.92K shares

−2.92K

Strike price

Held after

11.66K

Exercisable

—

8/18/2026

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Restricted Stock Units Direct	Voting Common Stock2.92K shares	8/18/2026	M · Option Exercise	−2.92K		—	11.66K

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

7.41K

Shares owned

7.41K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

9.58K

Shares owned

9.58K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

3.14K

Shares owned

3.14K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

236.00

Shares owned

236.00

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Voting Common Stock

Underlying shares

6.01K

Shares owned

6.01K

Exercise price

Expiration

—

Exercise window

—

Total

Underlying

26.38K

Owned

26.38K

Security	Underlying	Exercise Window	Expiration	Underlying Shares	Shares Owned
Restricted Stock Units Direct	Voting Common Stock	—	—	7.41K	7.41K
Restricted Stock Units Direct	Voting Common Stock	—	—	9.58K	9.58K
Restricted Stock Units Direct	Voting Common Stock	—	—	3.14K	3.14K
Restricted Stock Units Direct	Voting Common Stock	—	—	236.00	236.00
Restricted Stock Units Direct	Voting Common Stock	—	—	6.01K	6.01K
Total				26.38K	26.38K