Live Oak Bancshares, Inc. (NYSE:LOB) Q2 2021 Earnings Conference Call July 22, 2021 9:00 AM ET Company Participants Greg Seward - EVP and General Counsel Chip Mahan - Chairman and CEO Neil Underwood - President and Director Huntley Garriott - President, Live Oak Banking Company Brett Caines - CFO Steve Smits - Chief Credit Officer Conference Call Participants Jennifer Demba - Truist Securities Michael Perito - KBW Steven Alexopoulos - JPMorgan Chris Donat - Piper Sandler Operator Good day and thank you for ...

| --- | --- | --- | |-----------------------------------------------------------------------------------------|-------|-------| | | | | | | | | | | | | | | | | | SECOND QUARTER 2021 | | | | July 22, 2021 | | | | ©2021 Live Oak Banking Company. All rights reserved. Member FDIC. Equal Housing Lender. | | | FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Reform Act of 1995. These statements generally relate to our fin ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended March 31, 2021 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) | North Carolina | | 26-4596286 | | | --- | --- | ...

| --- | --- | --- | --- | |-----------------------------------------------------------------------------------------|----------------------------|-------|-------| | | | | | | | | | | | | | | | | | | | | | FIRST QUARTER | | | | | 2021 April 22, 2021 | | | | | ©2021 Live Oak Banking Company. All rights reserved. Member FDIC. Equal Housing Lender. | Confidential & Proprietary | | | FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q1 2021 Earnings Conference Call April 22, 2021 9:00 AM ET Company Participants Greg Seward - EVP and General Counsel Chip Mahan - Chairman and CEO Neil Underwood - President and Director Huntley Garriott - President, Live Oak Banking Company Brett Caines - CFO Micah Davis - CMO Steve Smits - Chief Credit Officer Conference Call Participants Jennifer Demba - Truist Securities Michael Perito - KBW Steven Alexopoulos - JPMorgan Chris Donat - Piper Sandler Operator Good day ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) | North Carolina | 26-4596286 | | --- | --- | | (State ...

Live Oak Bancshares, Inc. (NYSE:LOB) Q4 2020 Earnings Conference Call January 28, 2021 9:00 AM ET Company Representatives Chip Mahan - Chairman, Chief Executive Officer Kay Anderson - Senior Vice President of Emerging Markets Huntley Garriott - President, Live Oak Bank Brett Caines - Chief Financial Officer Steve Smits - Chief Credit Officer Micah Davis - Chief Marketing Officer Neil Underwood – President, Live Oak Bancshares Greg Seward - General Counsel Conference Call Participants Jennifer Demba - Truis ...

| --- | --- | --- | --- | |-----------------------------------------------------------------------------------------|----------------------------|-------|-------| | | | | | | FOURTH QUARTER | | | | | 2020 January 28, 2020 | | | | | | | | | | ©2021 Live Oak Banking Company. All rights reserved. Member FDIC. Equal Housing Lender. | Confidential & Proprietary | | | FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Refor ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2020 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number: 001-37497 LIVE OAK BANCSHARES, INC. (Exact name of registrant as specified in its charter) North Carolina 26-4596286 (State or other jur ...

| --- | --- | --- | |--------------------|-------|-------| | | | | | THIRD QUARTER 2020 | | | | October 22, 2020 | | | ©2020 Live Oak Bancshares. All rights reserved. FORWARD LOOKING STATEMENTS Information in this presentation may contain "forward-looking statements" within the Private Securities Litigation Reform Act of 1995. These statements generally relate to our financial condition, results of operations, plans, objectives, future performance or business and usually can be identified by the use of forw ...