LIVE OAK BANCSHARES, INC.

BANKING AS A SERVICE BAAS

Application service provider featuring application programming interface (API) software for allowing data retrieval, upload, access and management in the field of finance; Application service provider (ASP) featuring software for use in connection with financial transactions, financial information and analysis; Application service provider featuring application programming interface (API) software for allowing online payments, loan and credit management, personal financial management, financial analysis, and other online financial functions; Application service provider featuring application programming interface (API) software for customer service;

IKABOOM

Application service provider featuring application programming interface (API) software for allowing data retrieval, upload, access and management in the field of finance; Application service provider (ASP) featuring software for use in connection with financial transactions, financial information and analysis; Application service provider featuring application programming interface (API) software for allowing online payments, loan and credit management, personal financial management, financial analysis, and other online financial functions; Application service provider featuring application programming interface (API) software for customer service;

LIVE OAK

Financial investment management and research;

LIVE OAK

Insurance agency and brokerage;

LIVE OAK

Financial analysis and research services; Financing loans for businesses; Banking services; Brokerage of shares and other securities; Trustee services; Investment management services;

LIVE OAK

downloadable operating software for computer networks and servers; downloadable computer software for use by banking and financial institutions for transaction processing, accounting, information and data management and control;evaluation of financial value of implementing analytics services to improve business interactions, namely, financial analysis and consultation;vendor management services for financial institutions;Software as a service (SaaS) services featuring proprietary software that provides integration optionality with content databases of third-party vendors and organizations within the financial services industry, namely, core as a service, customer service, mobile and online banking, bill pay, insights, check deposits, item and card processing, and fraud detection software; Rental of computer software for facilitating financial transactions, retrieving, uploading, accessing, and managing financial information data; Software as a service (SaaS) services, namely, hosting software for use by banking and financial institutions for providing financial services accounting functions to consumers; hosting memory space on the internet, namely, providing electronic data storage on the internet; provision of internet based storage space, namely, providing electronic data storage on the internet; Providing virtual computer systems and virtual computer environments through cloud computing; rental of computer databases and/or computer software for facilitating financial transactions, retrieving, uploading, accessing, and managing financial information data; design, creation and updating of computer software and/or computer databases; Rental of computer databases and computer software for facilitating financial transactions, retrieving, uploading, accessing, and managing financial information data; design, creation and updating of computer software and computer databases; Computer software consultancy services; Software as a service (SaaS) services featuring outside vendor software for core banking services, namely, software for managing bank accounts, software to allow customers to access bank account information and transact bank business; Software as a service (SaaS) services for use by banking and financial institutions for financial services, namely, application software for database management, and for uploading, processing, transferring, downloading, storing, and sharing data, documents, files, and information via global and local computer networks, mobile telephone networks, and/or other communications networks; Software as a service (SaaS) services featuring software for use in data integration, data management, data analysis, data cleansing, business process management, cost management, and workflow management, in order to provide banking and financial institutions with a platform to deliver a digital experience to customers; Platform as a service (PaaS) services for use by others for financial services, namely, application software for database management, and for uploading, processing, transferring, downloading, storing, and sharing data, documents, files, and information via global and local computer networks, mobile telephone networks, and/or other communications networks; rental of bank software, namely, software for managing bank accounts, software to allow customers to access bank account information and transact bank business; rental of financial management software; rental of computer application software in the field of finance for cloud computing services, namely, for deploying virtual machines to a cloud computing platform, managing virtual machines on a cloud computing platform, integration of private and public cloud computing environments; Online provision of web-based software for use by banking and financial institutions for financial services, namely, providing temporary use of web-based application software for database management, and for uploading, processing, transferring, downloading, storing, and sharing data, documents, files, and information via global and local computer networks, mobile telephone networks, and other communications networks;

LIVE OAK BANCSHARES

Brokerage of shares and other securities; Banking services; Capital investment services;BANCSHARES;

LIVE OAK TRUST

Trustee and investment management services for funeral homes and cemeteries;TRUST;