Form 4 Filing for William L. Williams III

This filing details a transaction by William L. Williams III, a director at Live Oak Bancshares, Inc. On September 3, 2026, Mr. Williams sold 6,590 shares of Voting Common Stock under a Rule 10b5-1 trading plan. The weighted average price of the sale was $40.0941, with individual trades ranging from $40.09 to $40.1850. Following this transaction, Mr. Williams directly owns 52,825 shares. Additionally, he has indirect ownership of 14,110 shares through Spoint-ILM, LLC, and 137,025 shares through the Elizabeth Williams Family Trust. The total post-transaction shares owned by Mr. Williams, including indirect holdings, amount to 1,105,725.8621.