Stasiowska Ewa Maria 4

What Happened
Ewa Maria Stasiowska, Chief Risk Officer of Live Oak Bancshares, was granted 8,383 restricted stock units (RSUs) on February 9, 2026. The award was reported as a derivative grant with an acquisition price of $0 (no cash paid at grant). Each RSU represents a contingent right to receive one share of the company's common stock upon vesting.

Key Details

• Transaction date (period of report): 2026-02-09; Form 4 filed: 2026-02-11 (timely — within 2 business days).
• Transaction type/code: Grant/Award (A); 8,383 RSUs; acquisition price $0 (derivative).
• Vesting: RSUs vest in five equal annual installments beginning February 9, 2027, subject to continuous service.
• Shares owned after transaction: Not specified in the provided filing excerpt.
• Footnotes: F1 — each RSU equals a contingent right to one common share; F2 — five-year annual vesting schedule.

Context
RSU grants are a form of compensation/retention and do not involve an open-market purchase or sale of stock at grant. They become actual shares only if/when they vest (and any applicable taxes/withholdings are satisfied). This grant signals management compensation alignment with shareholder interests but should not be interpreted as an immediate market buy or sell.