Live Oak Bancshares appoints KPMG as auditor, replacing Forvis Mazars

Live Oak Bancshares, Inc.

Audit Committee approved KPMG as independent auditor for 2024 on August 6, 2024.
Forvis Mazars was dismissed same day; no disagreements or reportable events in prior audits.
Forvis Mazars' 2023 and 2022 audit reports were unqualified and not modified.
No prior consultation with KPMG on accounting principles or audit matters.
Forvis Mazars agreed with the 8-K disclosures via letter filed as Exhibit 16.1.

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