Live Oak Bank Digital

EASE OF USEAWARD

YTD New Online

Savings/CDs

Originations1

YTD NEW ACCOUNTS1

by Live Oak Bank

1. Deposit Account Growth as of September 30, 2018, compared to active accounts at December 31, 2017

The Technology Landscape is Changing

LIV

E O

AK

BA

NK

4

Fintech investmentsBank

Branch Re-engineering Omni Everything Advanced Card Control

Call Center & Back Office Loan Origination

Cyber Safety & SoundnessAPI Payments Platform

How Key Partnerships Can Disrupt the Status Quo

LIV

E O

AK

BA

NK

20 Years As a

Full-service Digital

Banking Provider

500 + Clients

Solution Built

On Modern

Tech Stack

OPEN | API-FIRST | CLOUD-NATIVE | CHANNEL AGNOSTIC

Ecosystem

Of Partners

Reinventing Bank

Technology

Market-leading

Digital-only Bank

COMPETITION from ALL SIDES

Asset growth of Big 5 banks over the past five years

Total capital investment in Fintech’s over the past five years

$1.2 TRILLION

$158 BILLION

= Frustrating Go-to-Market

Rules/Logic

Workflows

Integrations

Functionality

Interfaces

Data sets

The CURRENT PROBLEM

= Everything as APIs

Rules/Logic

Workflows

Integrations

Functionality

Interfaces

Data sets

A NEW APPROACH

COMPETE at FINTECH SPEED

CHANNELS

SERVICES

PRODUCTS

PARTNERSHIPS

17

Live Oak Bank | Model BankEnabling: Banking as a Service

• Low Cost of Funds

• Low Deposit Beta

• Core Deposits

• Scale

Live Oak

Model Bank

API LAYER

Partners

Practice

Mgmt

Personal

Finance

Robo

Advisors

e-Comm

Direct

SMEs

Consumers

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