20170974 Ver 3_ePCN Application_20210719

DWR
Dlrlslon of Water Resources
Pre -Construction Notification (PCN) Form
For Nationwide Permits and Regional General Permits
(along with corresponding Water Quality Certifications)
June 1, 2021 Ver4.1
Initial Review
Has this project met the requirements for acceptance in to the review process?*
r Yes
r No
Is this project a public transportation project?*
r Yes r No
Change only if needed.
BIMS # Assigned
20170974
Is a payment required for this project?*
r No payment required
r Fee received
r Fee needed - send electronic notification
Reviewing Office*
Central Office - [phone]
Information for Initial Review
la. Name of project:
Live Oak Bank Campus E)pansion
la. Who is the Primary Contact?*
David A. Syster
1b. Primary Contact Email:*
[e-mail]
Date Submitted
7/19/2021
Nearest Body of Water
Hewiett's Creek
Basin
White Oak
Water Classification
SA, HOW
Site Coordinates
Latitude: Longitude:
34.2025-77.9077
A. Processing Information
County (or Counties) where the project is located:
New Hanover
Is this a NCDMS Project
r Yes r No
Is this project a public transportation project?*
r Yes r No
Pre -Filing Meeting Information
Version#*
3
What amout is owed?*
r $240.00
IT $570.00
Select Project Reviewer*
Rick Trone:eads\rvtrone
1c. Primary Contact Phone:*
[phone]
Is this a courtesy copy notification?*
r Yes r No

ID# Version
20170974 3
Pre -fling Meeting or Request Date
11 /18/2020
Attach documentation of Pre -Filing Meeting Request here:
pick the upload button or drag and drop files here to attach document
DWR Pre -Filing Meeting Request Form 11-18-2020.pdf 50.84KB
File type must be FCF
1a. Type(s) of approval sought from the Corps:
W Section 404 Permit (wetlands, streams and waters, Clean Water Act)
r Section 10 Permit (navigable waters, tidal waters, Rivers and Harbors Act)
Has this PCN previously been submitted?*
IT Yes
r No
Please provide the date of the previous submission.*
12/11/2018
1b. What type(s) of permit(s) do you wish to seek authorization?
r Nationwide Permit (NWP)
r Regional General Permit (RGP)
W Standard (IP)
1c. Has the NWP or GP number been verified by the Corps?
r Yes IT No
Are you a federal applicant?*
r Yes r No
If yes, please provide a statement concerning compliance with the Coastal Zone Management Act.*
Please see Attachment 1, Appendix F for Coastal Consistency Determination
Nationwide Permit (NWP) Number:
NWP Numbers (for multiple NWPS):
1d. Type(s) of approval sought from the DWR:
r 401 Water Quality Certification - Regular r 401 Water Quality Certification - Express
r Non-404 Jurisdictional General Permit r Riparian Buffer Authorization
W Individual 401 Water Quality Certification
le. Is this notification solely for the record because written approval is not required?
For the record only for DWR 401 Certification: r Yes r No
For the record onlyfor Corps Permit: r Yes r No
1f. Is this an after -the -fact permit application?*
r Yes IT No
1g. Is payment into a mitigation bank or in -lieu fee program proposed for mitigation of impacts?
r Yes r No
1g. Is payment into a mitigation bank or in -lieu fee program proposed for mitigation of impacts?
r Yes r No
1h. Is the project located in any of NC's twenty coastal counties?
IT Yes r No
1i. Is the project located within a INC DCM Area of Environmental Concern (AEC)?
r Yes IT No r Unknown
1j. Is the project located in a designated trout watershed?
G Yes r No
B. Applicant Information
1d. Who is applying for the permit?
W Owner r Applicant (other than owner)
le. Is there an Agent/Consultant for this project?*

r' Yes C No
2. Owner Information
2a. Name(s) on recorded deed:
Live Oak Banking Company
2b. Deed book and page no.:
2c. Contact Person:
Lee Williams
2d.Address
Street Address
1741 Tiburon Drive
Address Line 2
City
Wilmington
Postal / Zip Code
28403
2e. Telephone Number:
[phone]
2g. Email Address:*
Lee. [e-mail]
4. Agent/Consultant (if applicable)
4a. Name:
David A. Syster
4b. Business Name:
Southern Environmental Group, Inc.
4c.Address
Street Address
5315 South College Rd.
Address tine 2
Suite E
city
Wilmington
Postal / Zip Code
28412
4d. Telephone Number:
[phone]
4f. Email Address:*
[e-mail]
State / Province / legion
NC
Country
USA
2f. Fax Number
State / Province / legion
NC
Country
USA
4e. Fax Number
C. Project Information and Prior Project History U
1. Project Information
1b. Subdivision name:
(if appropriate)
1c. Nearest municipality/ town:
Wilmington
2. Project Identification
2a. Property Identification Number:
R06109-004-034-000
2c. Project Address
Street Address
1741 Tiburon Drive
Address Line 2
City
Wilmington
Postal / Zip Code
28403
2b. Property size:
27.61
State / Province / legion
NC
Country
USA

3. Surface Waters
3a. Name of the nearest body of water to proposed project:*
Hewiett's Creek
3b. Water Resources Classification of nearest receiving water:*
SA, HOW
3c. What river basin(s) is your project located in?*
White Oak
3d. Please provide the 12-digit HUC in which the project is located.
030203020502
4. Project Description and History
4a. Describe the existing conditions on the site and the general land use in the vicinityof the project at the time of this application:*
The site is located within the Live Oak Bank (LOB) Campus. The LOB Campus contains office buildings, parking and parking garages. The LOB Campus is bordered by residential and
office space.
4b. Have Corps permits or DWR certifications been obtained for this project (including all prior phases) in the past?*
r Yes r No r Unknown
If yes, please give the DWR Certification number or the Corps Action ID (exp. SAW-0000-00000).
USACE SAW-2011-01812
DWR 2017-0974
4b(2). Is Any Portion of the Work Already Complete?
r Yes r No
If yes, describe the completed work.
LOB Buildings 1-4 have been completed
4c. List of Other Certificates or Approvals/Denials received from other Federal, State, or Local Agencies for Work Described in This Application. not related to the 404 or 401.
Storm water and NPDES permits have been issued for portions of the LOB Campus
4f. List the total estimated acreage of all existing wetlands on the property:
0.96
4g. List the total estimated linear feet of all existing streams on the property:
0
4h. Explain the purpose of the proposed project:*
The purpose of the project is to facilitate the development of the Live Oak Bank Campus. This includes the construction of office buildings, parking decks and associated infrastructure;
such as; roads and stormwater facilities. The project is necessary to meet the demand for centralized office space for their rapidly growing company.
See Attachment 1 for additional information.
41. Describe the overall project in detail, including indirect impacts and the type of equipment to be used:*
See Attachment 1 for project details.
4k. Will this activity involve dredging in wetlands or waters?*
r Yes r No
If yes, Describe the type of dredging, the composition of the dredged material and the location of disposal area
5. Jurisdictional Determinations
5a. Have the wetlands or streams been delineated on the property or proposed impact areas?*
r Yes r No r Unknown
Comments:
See Attachment 1 Appendix B
5b. If the Corps made a jurisdictional determination, what type of determination was made?*
r Preliminary r Approved r Not Verified r Unknown r N/A
Corps AID Number:
SAW-2011-01812
5c. If 5a is yes, who delineated the jurisdictional areas?
Name (if known):
Agency/Consultant Company: Land Management Group
Other:
5d. List the dates of the Corp jurisdiction determination or State determination if a determination was made bythe Corps or DWR

2017
6. Future Project Plans
6a. Is this a phased project?*
O Yes R No
Are anyother NWP(s), regional general permit(s), or individual permits(s) used, or intended to be used, to authorize any part of the proposed projector related activity?
No additional permits or impacts will be necessary.
7. Addresses of Adjoining Property Owners, Lessees, Etc., Whose Property Adjoins the Waterbody (if more than can be entered here, please attach a supplemental list)
See Attachment 1, Page 10 and Appendix J.
8. Scheduling of Activity:
Work will begin as soon as the permits are issued.
D. Proposed Impacts Inventory
1. Impacts Summary
1a. Where are the impacts associated with your project? (check all that apply):
W Wetlands r Streams -tributaries r Buffers
r Open Waters r Pond Construction
2. Wetland Impacts
2a1 Reason (?)
2b. Impact type * (?)
2c. Type of W.*
2d. W. name *
2e. Forested *
2f. Type of
2g. Impact
Jurisdicition*(')
area*
Stormwater
SW Pond
P
Pocosin
A
Yes
Both
0.855
(acres)
Building
Building 6
P
ffin
A
Yes
Both
0.105
(acres)
RPW
Building
P
NOIwNCWAM TYPES
RPW
Both
0.050
__J
(acres)
2g. Total Temporary Wetland Impact 2g. Total Permanent Wetland Impact
0.000 1.010
2g. Total Wetland Impact
1.010
2h.Type(s) of Material Being Discharged and the Amount of Each Type in Cubic Yards:
21. Comments:
3i. Total cubic yard stream impacts:*
0
4g. Total cubic yard open water impacts:*
0
E. Impact Justification and Mitigation
1. Avoidance and Minimization
1a. Specifically describe measures taken to avoid or minimize the proposed impacts in designing the project:
See Attachment 1 Section V for Avoidance and Minimization
1b. Specifically describe measures taken to avoid or minimize the proposed impacts through construction techniques:
See Attachment 1 Section V for Avoidance and Minimization
2. Compensatory Mitigation for Impacts to Waters of the U.S. or Waters of the State
2a. Does the project require Compensatory Mitigation for impacts to Waters of the U.S. or Waters of the State?
r: Yes r No
2c. If yes, mitigation is required by (check all that apply):
W DWR W Corps
2d. If yes, which mitigation option(s) will be used for this project?
W Mitigation bank r Payment to in -lieu fee r Permittee Responsible
program Mitigation

3. Complete if Using a Mitigation Bank
3a. Name of Mitigation Bank:
Lower Cape Fear Umbrella Bank
3b. Credits Purchased/Requested (attach receipt and letter)
.....................
Type: Quantity:
Non -riparian wetland
2.60
3c. Comments
The LCFMB Credit Reservation Letter will be submitted once received
6. Buffer mitigation (State Regulated Riparian Buffer Rules) - required by DWR
6a. Will the project result in an impact within a protected riparian buffer that requires buffer mitigation? If yes, you must fill out this entire form - please contact DWR for more
information.
r Yes r No
F. Stormwater Management and Diffuse Flow Plan (required by DWR)
1. Diffuse Flow Plan
la. Does the project include or is it adjacent to protected riparian buffers identified within one of the NC Riparian Buffer Protection Rules?
r Yes r No
If no, explain why:
There are none in the vicinity
2. Stormwater Management Plan
2a. Is this a NCDOT project subject to compliance with NCDOT's Individual NPDES permit NCS000250?*
r Yes r No
2b. Does this project meet the requirements for low density projects as defined in 15ANCAC 02H .1003(2)?
r Yes r No
2c. Does this project have a stormwater management plan (SMP) reviewed and approved under a state stormwater program or state -approved local government stormwater
program?
r Yes r No
r NA- project disturbs < 1 acre
2d. Which of the following stormwater management program(s) apply:
W Local Government r State
Local Government Stormwater Programs
W Phase II r NSW r USMP F Water Supply
Please identify which local government Stormwater program you are using.
City of Wilmington
Comments:
G. Supplementary Information
1. Environmental Documentation
1a. Does the project involve an expenditure of public (federal/state/local) funds or the use of public (federal/state) land?*
r Yes r No
2. Violations (DWR Requirement)
2a. Is the site in violation of DWR Water Quality Certification Rules (15A NCAC 2H .0500), Isolated Wetland Rules (15A NCAC 2H .1300), or DWR Surface Water or Wetland Standards or
Riparian Buffer Rules (15A NCAC 2B .0200)?*
r Yes r No
3. Cumulative Impacts (DWR Requirement)
3a. Will this project result in additional development, which could impact nearby downstream water quality?*
r Yes r No
3b. If you answered "no," provide a short narrative description.

No additional Impacts will be necessary for this project. Please See Attachment 1 for additional information.
4. Sewage Disposal (DWR Requirement)
4a. Is sewage disposal required by DWR for this project?*
r Yes r Nor NtA
4b. Describe, in detail, the treatment methods and dispositions (non -discharge or discharge) of wastewater generated from the proposed project. If the wastewater will be treated
at a treatment plant, list the capacity available at that plant.
Municipal Sewer (Cape Fear Public Utilities) will be used.
5. Endangered Species and Designated Critical Habitat (Corps Requirement)
5a. Will this project occur in or near an area with federally protected species or habitat?*
r Yes r No
5b. Have you checked with the USFWS concerning Endangered Species Act impacts?*
r Yes r No
5d. Is another Federal agency involved?*
r Yes r No r Unknown
5e. Is this a DOT project located within Division's 1-8?
r Yes r No
5f. Will you cut any trees in order to conduct the work in waters of the U.S.?
r Yes r No
5g. Does this project involve bridge maintenance or removal?
r Yes r No
5h. Does this project involve the construction/installation of a wind turbine(s)?*
r Yes r No
5i. Does this project involve (1) blasting, and/or (2) other percussive activities that will be conducted by machines, such as jackhammers, mechanized pile drivers, etc.?
r Yes r No
5j. What data sources did you use to determine whether your site would impact Endangered Species or Designated Critical Habitat?
NC Natural Heritage Website
6. Essential Fish Habitat (Corps Requirement)
6a. Will this project occur in or near an area designated as an Essential Fish Habitat?*
r Yes r No
6b. What data sources did you use to determine whether your site would impact an Essential Fish Habitat?*
Inland EFH Mapper
7. Historic or Prehistoric Cultural Resources (Corps Requirement)
7a. Will this project occur in or near an area that the state, federal or tribal governments have designated as having historic or cultural preservation status?*
r Yes r No
7b. What data sources did you use to determine whether your site would impact historic or archeological resources?*
NC SHPO Website
8. Flood Zone Designation (Corps Requirement)
8a. Will this project occur in a FEMA-designated 100-yearfloodplain?*
r Yes r No
8c. What source(s) did you use to make the floodplain determination?*
FEMA Flood Map Service Website
Miscellaneous
Please use the space below to attach all required documentation or any additional information you feel is helpful for application review. Documents should be combined into one
file when possible, with a Cover Letter, Table of Contents, and a Cover Sheet for each Section preferred.
Click the upload button a drag and drop files here to attach docunent
Attachment 1 - Supplimental Narrative v8 5-12-2021.pdf 19.84MB
File rust be FTF or 11aV
Comments
Please see Attachment 1 for Supplemental Information to this Application.
Signature

R By checking the box and signing below, I certify that:
• The project proponent hereby certifies that all information contained herein is true, accurate, and complete to the best of my knowledge and belief; and
• The project proponent hereby requests that the certifying authority review and take action on this CWA 401 certification request within the applicable reasonable period of time.
• I have given true, accurate, and complete information on this form;
• I agree that submission of this PCN form is a "transaction" subject to Chapter 66, Article 40 of the NC General Statutes (the "Uniform Electronic Transactions Act');
• I agree to conduct this transaction by electronic means pursuant to Chapter 66, Article 40 of the NC General Statutes (the "Uniform Electronic Transactions Act");
• I understand that an electronic signature has the same legal effect and can be enforced in the same way as a written signature; AND
• I intend to electronically sign and submit the PCN form.
Full Name:
David A. Syster
Signature
0<l6�WO2�C*15212
Date
7/19/2021

Attachment 1
Live Oak Bank Campus
Individual Permit Application
Supplemental Documentation
Requested By:
Live Oak Bank
1714 Tiburon Drive
Wilmington, NC 28403
Prepared By:
Southern Environmental Group, Inc.
5315 South College Road, Suite E
Wilmington, NC 28412
910.452.2711
Date:
12 May 2021
V8

Section
Title
Page
I.
Purpose and Need................................................................................
2
II.
Location Existing Conditions...................................................................
3
III.
Project History.....................................................................................
3
IV.
Project Description................................................................................
4
V.
Avoidance and Minimization....................................................................
4
VI.
Alternatives.........................................................................................
5
A.
No Action....................................................................................
5
B.
Construction and Design Alternatives....................................................
5
C.
Alternate Site Location....................................................................
7
D.
Preferred Location..........................................................................
7
VII.
Sequence of Events..................................................................................
7
VIII.
Compensatory Mitigation..........................................................................
8
IX.
Adjacent Property Owners........................................................................
10
X.
Other Authorizations...............................................................................
10
XI.
Summary............................................................................................
11
Appendices
A.
Site Location and Vicinity Map...............................................................
i
B.
USACE Jurisdictional Determination Issued 03 July 2017.................................
ii
C.
Google Earth 2019 Aerial Photograph........................................................
in
D.
2017 NWP and Wetland Restoration Credit Receipt .......................................
iv
E.
Live Oak Bank Campus Wetland Impact Map ...............................................
v
F.
Coastal Consistency Determination............................................................
vi
G. Previous Project Designs and Layouts........................................................ vii
H. Stormwater Allocation Map and Tables ....................................................... viii
L Lower Cape Fear Mitigation Bank Reservation Letter ...................................... ix
J. Adjacent Property Owner Map................................................................. x
K. Other State and Local Issued Permits......................................................... xi
L. City of Wilmington Setback Requirements................................................... xii
Table of Contents
TOC-i

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Introduction
An Individual Permit (IP) application was submitted in December of 2018 for the impacts requested in this current
IP application. The 2018 IP was processed, a Public Notice issued, and three Requests for Additional Information
(RFAI) were recieved from the USACE and responses from the Applicant submitted accordingly. The last RFAI
was issued by the USACE on November 13, 2019. Due to time constraints while preparing a response it was
necessary to withdrawl the original application. This Supplimental Narrative contains the updated information
submitted in the previous RFAI responses and the November 13, 2019 RFAI.
In order to better locate the responses to the November 13, 2019 RFAI, below is a list of the requested items and
their location within this document.
1.) On -site Alternatives.
Please see Section VI B this section has been expanded to address the agencies comments.
2.) Avoidance and Minimization in regard to the location of Buildings 6 and 7, and the associated parking:
Please see Section VI B2 and Attachment W-A for alternate layouts.
3.) Alternate Parcels and Purchasing Additional Land:
Please see Section V1 C Alternate Sites
4.) Stormwater Pond Alternatives:
Please see Section VI B 1
5.) Additional Required Documents and Considerations:
a. Copy of the property line setback requirements of the City of Wilmington.
Please see Appendix L
b. Copy of the Federal Reserve "single continuous facility" regulation.
Please see Section VII Sequence of Events
c. Revised table of projected growth. Identify LOB 7 and LOB 8.
Please see Table 1.
In addtion to the above RFAI information, the USACE re-evaluated the wetland delineation in April of 2021. The
results of this new delineation reduced the wetlands in the vicinty of LOB 5 and LOB 6. Please see the attached
updated map set.

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
I. Purpose and Need
The purpose of this project is to facilitate the development of the Live Oak Bank Campus. This includes the
construction of office buildings, parking decks and associated infrastructure; such as; roads and stormwater facilities.
The project is necessary to meet the demand for centralized office space for their rapidly growing company.
The Applicant did receive a Nationwide Permit in 2017 to complete the construction of Buildings 3 (LOB3) and 5
(LOB 4), however over the past 3 years, Live Oak has started two technology -based companies, that will require the
continued expansion of their campus.
1) Currently there are 100 Apiture employees located in downtown, and mid -town Wilmington, that need
to locate onto the campus as soon as possible. Apiture is a cloud based financial services company
owned 45% by Live Oak. To make a comparison, Apiture would be similar to the nCino technology
company started 6 years ago, that now has 750 employees in Wilmington, NC, requiring two, 50,000
square feet office buildings.
2) Live Oak is also 50% owner of the Canapi Technology Fund that will require future space on the campus.
This fund will incubate financial service software companies, similar to Apiture, and nCino. Its primary
location will be on our campus in Wilmington, NC.
In addition to these new companies, Live Oak Bank continues their own, banking growth model, where they have
added 6 new business lending lines in 2018-2019. This growth will require current and future staffing space on the
campus. Live Oak Wealth Management was added in 2018 and is located on the existing campus and will eventually
require a separate building to service clients. The Live Oak business model continues to grow at a rate of 15%
annually, requiring additional lending, and support staffing like this top line revenue growth.
Table 1. Live Oak Bank Building Capacity and Staffing (as of2/22/2021)
BUILDING CAPACITY
Future Building
Numbers
Current
2021-
2026
2026-
2031
LOB1
110
110
110
LOB2
300
300
300
LOB3
380
380
380
LOB4
400
400
LOB5
Future Building 6
300
300
LOB6
Future Building 7
300
LOB7
Future Building 9
300
LOB8
Future Building 10
300
790
1790
2390
STAFFING IN NEXT 5
-10 YEARS
LOB Location*
Current
2021-
2026
2026-
2031
LIVE OAK BANK
LOB 1, 2,3 & 5
600
1200
1500
APITURE
LOB 4,6 & 9
200
600
750
DEFENSE STORM
LOB 4 & 6
10
50
100
CANAPI
LOB 4
5
30
50
FINXACT
LOB 4, 6 & 10
0
50
150
PAY RAILZ
LOB 4, 6 & 10
0
50
100
SAVANNA
LOB 4, 6 & 10
0
50
100
`Note: Staff of subsidiaries will be adjusted between LOB 4, 6, 9, 10 as
needed so the Table does not represent a static count, but which
buildings will be utilized by each Company.
815
2030
2700

Live Oak Bank 2020 IP Application Supplemental Information SEGi
To ensure the Live Oak Campus can meet the required office space and infrastructure needs of this rapidly growing
company, it is necessary to impact additional wetlands to facilitate development of the Campus. The Applicant is
confident that the additional buildings and infrastructure provided for in the current application will accommodate
the expected employee growth of Live Oak Bank and its subsidiaries (Apiture, Payrailz, Finxact, Canapi, etc.) for
the next 3-5 years.
II. Location and Existing Conditions
The proposed project is located at the corner of Tiburon Drive near the intersection of Shipyard Boulevard and
Independence, in New Hanover County, North Carolina (34.2025°N,-77.9077°W). To access the site from
Independence Boulevard, traveling west from Shipyard take a right onto Tiburon Drive and the site will be on your
left. (see Appendix A — Site Location and Vicinity Maps)
The subject parcel is comprised of approximately 31.80 acres; 27.62 acres of existing property with an additional
4.20 acre expansion included with this application. According to the wetland boundary survey, approximately 0.96
acres of wetlands exist within the project boundaries (see Appendix B — JD issued 3 July 2017). Currently, Buildings
1, 2, 3, and 4 (parking garage) are existing and work has begun on Buildings 5. Infrastructure has been installed in
the vicinity of the existing buildings. (see Appendix C — 2019 Google Earth Aerial).
III. Project History
A Department of the Army (DoA) Nationwide Permit (NWP) and associated Division of Water Resources (DWR)
401 Certification (401) were issued for the entire project in 2017. This Authorization included a NWP 39 to fill
0.204 acre of wetlands and 0.125 acre of ditches. The authorization also included a NWP 18 for fill of 0.034
associated with the installation of a stormwater pipe and riprap. The project numbers and permits, assigned by the
regulatory agencies, include those listed in Table 2 below:
Table 2. Permits and Project numbers associated with the project
Issuing Agency
Document
Project Number
Date Issued
Expiration Date
Authorized
Impacts zed
USACE
Nationwide Permit 18 & 39
2011-01812
10/13/17
03/18/22
0.238
DWR
401 Water Quality Certification
2017-0974
10/13/17
03/18/22
0.238
USACE
Signed Wetland Survey
2011-01812
07/03/17
07/03/22
N/A
DCM
CAMA Consistency
2019-0015
3/21/19
N/A
N/A
Wetland impacts that were authorized in 2017 were offset by the Applicant's payment to the Lower Cape Fear
Umbrella Mitigation Bank (LCFUMB), for 0.476 acres of non -riparian wetland restoration credit (see Appendix D).
Please refer to Table 4, on Page 3, for details of the mitigation for this project.
An Individual Permit (IP) application was submitted in December of 2018 for the impacts requested in this current
IP application. The 2018 IP was processed, a Public Notice issued, and three Requests for Additional Information
(RFAI) were recieved from the USACE and responses from the Applicant submitted accordingly. The last RFAI
was issued by the USACE on November 13, 2019. Due to time constraints while preparing a response it was
necessary to withdrawl the original application. This Supplimental Narrative contains the updated information
submitted in the previous RFAI responses and the November 13, 2019 RFAI. In addtion to the above RFAI
information, the USACE re-evaluated the wetland delineation in April of 2021. The results of this new delineation
reduced the wetlands in the vicinty of LOB 5 and LOB 6. Please see the attached updated map set.

Live Oak Bank 2020 IP Application Supplemental Information SEGi
IV. Project Description
The Applicant anticipates impacting an additional 0.96 acres of non -riparian Section 404 jurisdictional wetlands and
0.08 acre of jurisdictional ditches. The impacts are necessary to facilitate the development of buildings, parking,
and associated infrastructure. Please refer to Table 3. — Proposed Impact Summary Table and Table 4. — Cumulative
Impact Summary Table, for details of the proposed and cumulative impacts.
Table 3. - Proposed Impact Summary Table
Proposed Impacts
Square Footage
Acreage
Stormwater Pond
37,267
0.85
Building and Parking
4,617
0.11
RPW Ditch
3,590
0.08
Total
45,474
1.04
Table 4. - Cumulative Im act Summary Table
Permittee
LCFMB Credit
Permit
Type of Impact
Impact Acreage
Responsible(AC)Status
2017 NWP
Non -Riparian
0.238 AC
0.00 AC
0.50 AC
Fulfilled
2020 IP (Proposed)
Non -Riparian
1.04 AC
0.00 AC
2.10 AC
Proposed
Total Cumulative
1.278 AC
0.0 AC
2.60 AC
Impacts
Heavy machinery, such as a bulldozer, grader, backhoe, and track hoe, will be utilized during the construction
process. The machinery will be used to clear the land, stabilize the soil, establish grade and to transport and deposit
the fill material within the project boundaries. Sediment and erosion control measures will be installed prior to
commencement of land disturbing activities.
Coastal wetlands are not anticipated to be impacted by this project, and the project is located outside any Areas of
Environmental Concern (AECs). A CAMA Consistency Determination has been issued by the Division of Coastal
Management (DCM) (see Appendix F).
Threatened and endangered species and archaeological concerns were addressed within the 2017 issued DoA and
DWR permits.
V. Avoidance and Minimization
It was the Applicant's desire to avoid and/or minimize impacts to wetlands to the greatest extent practicable. During
the original design process (Pre-2017), the project layout was done to avoid all wetland features (See Appendix G,
Original Layout). To accomplish this the Applicant reduced the area required for parking by utilizing parking decks.
This added an additional cost of approximately $10,500 per space and avoided additional wetland impacts by
compacting parking areas and the overall project footprint.
The current project design was done to compact the site as much as possible and is evident by the continued
utilization of parking decks and the proximity of the building to one another (See Appendix E).
The proposed design has been done to direct runoff from impervious surfaces into the stormwater pond. Treated
water is then discharged into the large wetland system adjacent to the stormwater pond through several small outlets.
Additional secondary impacts are being minimized by adjusting the stormwater normal pool level to a height similar
to that of the adjacent wetlands, preventing any secondary subsurface drainage. To accomplish this the normal pool
level is set to within 6" of the seasonal highwater table to ensure the adjacent wetland hydrology is not impacted.
This design should continue to provide the normal hydrologic input into the Hewlett's Creek watershed, eliminating
any hydrological secondary impacts.
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Live Oak Bank 2020 IP Application Supplemental Information
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During the design of the soil and erosion control plan, measures (such as silt fence and sediment traps) were utilized
to ensure no sediment would migrate from the site during construction and into the adjacent wetlands.
VI. Alternatives
The Applicant investigated other potential means of developing the subject parcel and has been unable to find a
practicable alternative that would achieve the proposed goal and stated purpose. They are as follows:
A. "No Action" Alternative
The No Action Alternative (leaving the proposed impact areas undeveloped) would not be feasible for several
reasons:
As it relates to Stormwater Pond Construction:
The Live Oak Bank Campus stormwater pond and corresponding infrastructure was designed to
accommodate the size and location of the proposed buildings. Removal of a portion of the pond would
require the elimination of built upon area and ultimately the loss of buildings from the site plan. The loss of
these buildings would result in the inability to provide the needed office space and is therefore not
practicable.
As it relates to Building 6 Construction:
Currently Building 6 (LOB 5) is proposed in close proximity to wetlands. In order to construct Building 6
it is necessary to impact these wetlands. Removal of Building 6 would result in the loss of necessary office
space. As described above, the Applicant is currently trying to re -locate associates from several sites within
Wilmington to their centralized Campus. The removal of Building 6 or a portion of Building 6 from the
Campus would reduce the required office space needed for current and future staff and is therefore not
practicable.
B. Construction and Design Alternatives
1. As it pertains to Stormwater:
a) Innovative Stormwater Techniques:
The Applicant and Engineer considered innovative Stormwater techniques in an attempt to reduce the
pond size. Subsurface stormwater containment and treatment is commonly used under parking areas in
commercial and retail sites where space is limited. This type of system was considered but ahigh-water
table and unsuitable soils present made it not practicable. Additional innovative systems or partial
systems were considered such as a "Green Roof' but they were not practicable as existing buildings
could not be retro fitted nor, would the planned buildings "Green Roofs" reduce the volume of runoff
sufficient to reduce the pond size and corresponding proposed impacts.
For the above reasons, no innovative stormwater technique was considered a practicable alternative.
b) Stormwater Allocation Alternatives:
As an alternative measure to increasing the size of the pond re -allocation of Stormwater allotment was
considered. The Live Oak Bank Campus shares a Stormwater pond with 3 adjacent parcels owned by
other entities. The largest parcel is comprised of Tracts A -IA and A-113 and is the site of the One
Midtown Apartments (see Appendix H). This parcel is completely built out and does not have any
Stormwater allocation to contribute to the Live Oak Bank campus.

Live Oak Bank 2020 IP Application Supplemental Information
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Two of the adjacent parcels are currently vacant and owned by the Oleander Company. These are
referred to as Tracts A3 and A2R (see Appendix H). While technically allocation can be re -distributed
from Tracts A3 and A2R to one of the Tracts on the Live Oak Campus, the owners of Tracts A3 and
A2R are not willing to reduce their allocation.
For the above reasons, re -allocation of Stormwater allotment was not considered a practicable
alternative.
c) Stormwater Pond Design:
The design of the proposed Stormwater pond expansion was also considered during the Alternative
Analysis. Three different design alternatives were considered including: use of the northern 2.28 ac BR
Tract for Stormwater, expansion of the existing pond into Tract A2R and reshaping the pond in the
uplands south of Buildings 6 and 7.
When reviewing northern Tract BR for Stormwater purposes the site was found to be higher in elevation
than the area to be serviced by the Stormwater pond. Stormwater ponds are typically designed in the
lower elevations of a project for gravity drainage. In some instances, it is feasibly to raise the elevation
of the existing site to install stormwater ponds at higher elevations. However, in this instance existing
and proposed infrastructure make this impracticable. Additionally, New Hanover County topography
does not reflect an outlet ditch in this area further making this alternative impracticable. For these
reasons it is unpracticable to locate a stormwater facility in the norther BR Tract.
Tract A2R is directly adjacent to the western end of the existing pond and expanding the stormwater
pond into this tract was considered. The west end of the pond contains 1 of 2 forebays, which accepts
water directly from multiple inlet points. Expanding the pond into Tract A2R would require the entire
forebay be relocated to Tract A2R to allow expansion of existing Pond 1. This forebay relocation would
then require the existing inlet infrastructure (storm drains, Stormwater pipes, roof inlets, parking lot
grades etc.) be re -designed to drain to Tract A2R. Additionally, Tract A2R is higher in elevation than
the existing infrastructure making gravity drainage of existing built upon area to this tract impracticable.
For these reasons' expansion into Tract A2R is not practicable.
The engineer also considered extending the pond into the upland area below buildings 6 and 7 to reduce
wetland impacts. To accomplish this the northern and southern pond banks within wetlands were pulled
toward the middle of the pond while the upland portion of northern pond bank was extended north in
uplands (see Drawing WI -A, Appendix E). This did result in a 0.12 ac (5134 sq. ft.) reduction in wetland
impacts associated with the pond. The wetlands which were avoided by this modification are located
adjacent to the southern bank of the of the pond, separated from any additional remaining wetlands by
the pond itself. Although the northern pond bank was pushed south, due to the need access the pond
bank (equipment access for maintenance) and proximity to Building 6, no reduction in wetland impacts
were possible on the norther pond bank. Due to the resulting small fragmented wetland with limited
viability overtime, this alternative was considered impracticable.
2. As it pertains to Buildings 6 & 7 Location and Parking:
During the initial design (prior to Building 1), the northern 2.28 ac BR Tract was considered for
development. This tract would have allowed additional upland acreage for the Buildings 6 & 7 and
associated Parking Deck complex. However, this area is zoned Residential and would need to be re-
zoned Office and Industrial (O&I). The Tract was included in the initial re -zoning process, however
during the Public Hearing residents from the adjacent subdivision voiced concerns in opposition of the
re -zoning. Based on this opposition, the re -zoning and subsequent development of this parcel was
abandoned.
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During the latest design, consideration was given to modify the footprint and orientation of Building 6
and 7 to reduce the associated wetland impacts. The USACE's re-evaluated the wetland delineation in
April of 2021 reduced the wetlands in the vicinity of Building 6 and associated Parking area. Please
see the attached updated Drawing WI.
While the updated wetland delineation did reduce the wetlands in the vicinity of Building 6, design
layout changes at Building 6 were also completed and included sliding the building east towards
Building 7 to the minimal Building Code distance of 60' (See Drawing WI -A, Appendix E). These
changes resulted in a 0.12 ac (5,134 sq. ft.) reduction in wetland impacts on the west side of Building 6.
While the new design was able to reduce wetland impacts, the configuration and position in the
landscape of the remaining wetlands make their long-term viability questionable. The remaining
wetland is narrow and will likely risk secondary drainage effects due to the proximity to Building 6, the
stormwater pond and associated infrastructure. Due to the viability risk of the limited remaining
wetlands this alternative was considered impracticable.
3. Building Construction:
Increasing the height of the proposed buildings was considered. However, there are currently four-story
buildings proposed at this time. In order, to eliminate impacts associated with Building 6, the equivalent
of 4 floors would have to be relocated to the remaining 3 buildings (7, 9, 10). Pursuing a variance on
height restrictions to add an additional floor to the remaining 3 buildings would still fall short by one
story of the necessary office space. Additionally, based on public comment during the initial re -zoning
it is unlikely that the variance would be granted due to public opposition. For these reasons, increasing
the building height was not deemed practicable.
C. Alternate Site(s)
Additional Oleander Company Land to the East:
The Applicant has purchased an additional 4.20 acres of the adjacent property to allow the construction of
Buildings 9, 10 and 11. While this tract is in close proximity, currently there is no additional land available
for purchase and thus, this alternative is not practicable.
Tracts A3 and A2R:
Tracts A3 and A2R are located along Tiburon Drive adjacent to the existing Live Oak Bank Campus. Tract
A2R was included in the stormwater alternative analysis above but was determined to be impracticable for
stormwater purposes. Tracts A3 and A2R were also included in the alternative site analysis for additional
building site(s) but both tracts are not currently available for purchase and therefore, this alternative is not
practicable.
Purchase of Alternate Non -Adjacent Site:
Since the Applicant owns the land the project is located upon and begun significant development of this
parcel; it would not be economically feasible nor meet the projects purpose and need, to purchase another
non -adjacent property to facilitate the development. Therefore, this alternative is not practicable.
D. Preferred Location
The proposed impacts are the preferred alternative, as they provide the location specific impacts necessary
to meet the purpose and need of the project.
The Applicant has designed the project with the best current engineering and construction practices
available, clustered parking, buildings, and limited the proposed impacts to specific needs within the project
area. For those proposed impacts that remain, they are the Least Damaging Practicable Alternative.
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VIL Sequence of events
The Applicant has secured stormwater and S&EC permits for portions of the upland development. These permits
may need to be modified. The work will consist of clearing the land, removing the hydric soils from the impact
areas, and stabilizing the soil and establishing grade. Work is anticipated to begin once the USACE, DWR and DCM
authorizations have been issued and the proposed wetland restoration credit payment fulfilled.
The USACE has asked if a "Phased Permit" could be utilized in conjunction with sequencing the building
construction so that Building 6 is constructed last. This would require Buildings 7, 9, and 10 be completed prior to
constructing Building 6. Based on the impact map this may not appear to be a impracticable request. However, it
does present a number of issues.
1.) Permitting Timeline — Live Oak Bank has done its best to present a single and complete project to the
USACE for wetland permitting. In 2017 they did attempt to adjust their building size and occupancy to meet
the Nationwide Permit (NWP) thresholds. However, the following year, company success and subsequent
growth has required they re -assess their building size, occupancy requirements and construction schedule.
This assessment has shown that their growth will require additional buildings and infrastructure to meet their
growth needs. The expansion of the Campus required a great deal of long-term planning and permitting.
Phasing of this permit and requiring a re -assessment of the project to allow for Building 6 once the other
buildings have been constructed could result in major construction delays with ultimately no reduction in
wetland impacts.
2.) Construction sequencing — Based on the location of Building 6 and development of the proposed pond, it
would be most practical to utilize the excavated material from the pond to balance the site. The excavated
material from the pond would be utilized to finish the grading around the pond and Building 6 and 7 areas.
Stockpiling the material on -site is not possible therefore, it would need to be exported and new material
imported during construction. This would represent significant cost with no reduced wetland impact.
3.) Building Connectivity - As Live Oak Bank outgrows Building 3 (LOB 3), its next location will be at the
location designated Future Building 6 (LOB 5) which is north of Building 3 and encroaching on the wetlands
subject of this wetland permit application. Future Building 6 (LOB 5) will be exclusively occupied by Live
Oak Bank for banking and this location is required for adjacency to the other banking buildings. As a greater
percentage of space on the campus is occupied by non -bank technology employees, Live Oak Bank will
reach a threshold at which Federal Reserve regulations may require the banking buildings to be a "single
continuous facility". Thusly the next Live Oak banking building will need to connect with Building 3 (LOB
3) via a walkway and/or bridge. In addition, Apiture, Defense Storm, and affiliated technology companies
have PCI Compliance and Security requirements that prevent Live Oak bankers from connecting through
future Building 5 (LOB 4) to access the proposed Building 7 location. This Federal Reserve requirement
for a "single continuous facility" cannot be satisfied by any location for Live Oak's next banking building
other than the location designated Future Building 6 (LOB 5).
To better understand the regulatory requirements concerning the bank's required connectivity between
buildings and ability to share office space and resources the following outlines the agencies involved and
the limitations present.
Live Oak's banking activities are regulated by three primary agencies. Live Oak Bancshares is
regulated by the Federal Reserve, Live Oak Banking Company is regulated by the FDIC and the
North Carolina Commissioner of Banking (NCCOB). From a high vantage point, these agencies
have generally pointed to the Office of the Comptroller of the Currencys (OCC) guidance on
"permissibility", while still leaving an opening for unique interpretation and requirements
consideration.
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Live Oak Bank 2020 IP Application Supplemental Information
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In 2018 Live Oak hired outside counsel to provide an opinion regarding leasing excess space in our
banking premises on Tiburon and received a favorable opinion.
In 2019, in response from questions regarding permissibility from regulators, Live Oak Bank
approached the Federal Reserve to inquire whether the Agency would have any concerns or raise
any objections to Live Oak's leasing excess premises to a subsidiary. In particular, we were
concerned about the questions raised by the FDIC regarding limitations on the amount of space that
could be leased in the building (ratio to banking operations space utilized). The Federal Reserve
coordinated their response through their Regional Office and advised that there was precedence to
conclude no objection (ratio to banking operations space utilized) based on the fact that (with no
other basis for objection) they consider the ratios of use as a percentage of the entire campus.
However, although (the OCC writes) "the case law and OCC precedent have found specific
percentages of usage to be permissible under section 29, neither have established a required
minimum percentage of utilization" (or how to calculate it) "in order to qualify property as bank
premises". This complexity brings an element of uncertainty regarding Live Oaks future planning
of bank premises. While we have advised all of our regulators of our decision to lease excess space,
it occurs to us that the FDIC's concerns may elevate as Live Oak moves forward with future plans.
Noted in the preamble for part 362, the Agency discusses out its ability to require additional
restrictions and limitations necessary to protect the bank and ultimately the deposit insurance funds
from losses associated with significant risks inherent in real estate activities... regardless whether
those real estate investment activities are permissible for a national bank. Part 362 does not include
a definition of banking premise that will serve to inform how calculation of usage should be
performed or other facts that could or should be included.
In light of that potential for additional restrictions or limitations, we have discussed whether Live
Oak could depend on the campus as a whole evaluation (that the Federal Reserve and possibly OCC)
would use for evaluation or whether we should plan for an eventuality which would call for the
"joining" of each of the buildings in some manner (i.e., catwalks, enclosed walkways) in order to
create a single banking premise.
This more detailed explanation of the regulatory requirements in place helps to understand the Applicant's
concern with a Phased Permit. While it may be permissible for a percentage of the banking staff to share
office space with non -banking subsidiaries staff, additional restrictions and limitations could be placed on
the bank by the FDIC or OCC which would require "joining" the buildings utilized for banking. In order to
ensure they continue to meet the above regulations and be able to "join" the buildings if required, it is
necessary to construct Building 6 (LOB 5) after Building 5 (LOB 4) in an alignment with Building 3. This
would provide the ability to "join" the buildings in some manner (i.e., catwalks, enclosed walkways).
VIIL Compensatory Mitigation
The Applicant is proposing to offset unavoidable wetland impacts through payment to a private mitigation bank for
wetland restoration credit. Wetland impacts proposed within this permit application (1.04 AC) will be offset with
payment to the Lower Cape Fear Mitigation Bank (LCFMB) for 2.10 acres of non -riparian wetland credit (see
Appendix I). To date, the Applicant has impacted 0.238 acre of wetlands with the NWP issued in 2017 and has
secured 0.50 acre of wetland restoration credit through the LCFMB to off -set those impacts (see Appendix Q.
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Live Oak Bank 2020 IP Application Supplemental Information
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The table below summarizes the cumulative impacts and associated mitigation for the Live Oak Bank Campus:
Table 4. - Cumulative Impact and Mitigation Summary
Permit
Permittee
LCFMB Credit
Type of Impact
Impact Acreage
Responsible
AC
Status
2017 NWP
Non -Riparian
0.238 AC
0.00 AC
0.50 AC
Fulfilled()
2020 IP (Proposed)
Non -Riparian
1.04 AC
0.00 AC
2.10 AC
Proposed
Total Cumulative
Impacts
1.278 AC
0.0 AC
2.60 C
IX. Adjacent Property Owners
The following table includes all the properties that abut the project limits. Please refer to Appendix I, for a map of
the adjacent properties.
Table 5. Live Oak Bank Campus Adjacent Property Owners as of September 2020. Please note that New Hanover County's GIS system does not provide the
mailing address for property owners.
Map Key ID
Owner's Name
New Hanover County Parcel ID
Tiburon Pare Property Owners Assoc
1
P.O. Box 3145
R06109-004-036-000
Wilmington, NC 28406
The Oleander Co Inc
2
PO Box 3145
R06109-004-032-000
Wilmington, NC 28406
The Oleander Co Inc
3
PO Box 3145
R06109-004-035-000
Wilmington, NC 28406
S & R Properties
4
97 Roanoke Avenue
R06110-005-001-000
Roanoke Rapids, NC 27870
The Oleander Co Inc
5
PO Box 3145
R06109-004-024-000
Wilmington, NC 28406
Lighthouse Medical Properties LLC
R06113-001-009-000
6
4114 Shipyard Blvd
Wilmington, NC 28403
Milwaukee Mi Holding LLC
R06113-001-010-000
7
111 E Wacker Drive Ste 900
Chicago, IL 60601
The Oleander Co Inc
R06109-004-030-000
8
PO Box 3145
Wilmington, NC 28406
The Oleander Co Inc.
R06109-004-031-000
9
PO Box 3145
Wilmington, NC 28406
Tiburon Pare Property Owners Assoc
R06109-004-033-000
10
P.O. Box 3145
Wilmington, NC 28406
Trillium Health Resources
R06113-001-001-001
11
201 West V Street
Greenville, NC 27858
X. Additional Authorizations
The proposed project will require the following environmental permits:
Table 6. - Other state and local environmental authorizations (Please Refer to Appendix K)
10

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Type
Agency
Date Issued or Applied For
401 Water Quality Certification
NC DWR
Applying for concurrently with IP
CAMA Consistency
NC DCM
Issued 21 March 2019
State Stormwater Permit
NC DWR
Issued 24 July 2018*
S&EC Permit
NC DLR
Issued 23 July 2018*
XI. Summary
The Applicant is proposing to permanently impact an additional 0.96 acre of Section 404 wetlands 0.08 acre of
jurisdictional ditches which are necessary to facilitate the construction of office buildings and infrastructure to
complete the construction of the Live Oak Bank Campus. In conjunction with the avoidance and minimization
efforts, the Applicant intends to offset the proposed permanent wetland impacts with payment to the Lower Cape
Fear Mitigation Bank, for 2.10 acre of wetland restoration credit. The Applicant and SEGi believe the project, as
proposed, is the least environmentally damaging, practicable alternative.
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Live Oak Bank 2020 IP Application Supplemental Information
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Appendix A
Site Location and Vicinity Map

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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix B
USACE Jurisdictional Determination
Issued 03 July 2017

U.S. ARMY CORPS OF ENGINEERS
WILMINGTON DISTRICT
Action Id. SAW-2011-01812 County: New Hanover U.S.G.S. Quad: NC- Wilmington
NOTIFICATION OF JURISDICTIONAL DETERMINATION
Property Owner: Jim Smith
The Oleander Company
P.O. Box 3145
Wilmington, North Carolina 28405
A ent: Kim Williams
Land Management Group, Inc.
3805 Wrightsville Avenue, Suite 15
Wilmington, North Carolina 28403
Size (acres) 27.1 acres Nearest Town Wilmington
Nearest Waterway UT to Hewletts Creek River Basin White Oak
USGS HUC 03020302 Coordinates Latitude: 34.2025 N
Longitude:-77.9077 W
Location description: The review area is located at 1741 Tiburon Drive (Parcel R06109-004-032-000) in the City of
Wilmington, New Hanover County, North Carolina.
Indicate Which of the Following Apply:
A. Preliminary Determination
There appear to be waters, including wetlands, on the above described property, as depicted on the attached exhibit, that
may be subject to Section 404 of the Clean Water Act (CWA)(33 USC § 1344). This preliminary jurisdictional
determination may be used in the permit evaluation process, including determining compensatory mitigation. This
preliminary determination is not an appealable action under the Regulatory Program Administrative Appeal Process
(Reference 33 CFR Part 331). However, you may request an approved JD, which is an appealable action, by contacting
the Corps district for further instruction
B. Approved Determination
There are Navigable Waters of the United States within the above described project area subject to the permit requirements
of Section 10 of the Rivers and Harbors Act and Section 404 of the Clean Water Act. Unless there is a change in the law
or our published regulations, this determination may be relied upon for a period not to exceed five years from the date of
this notification.
X There are waters of the U.S. including wetlands on the above described property subject to the permit requirements of
Section 404 of the Clean Water Act (CWA)(33 USC § 1344). Unless there is a change in the law or our published
regulations, this determination may be relied upon for a period not to exceed five years from the date of this notification.
We strongly suggest you have the waters of the U.S. including wetlands on your project area delineated. Due to the
size of your property and/or our present workload, the Corps may not be able to accomplish this wetland delineation in a
timely manner. For a more timely delineation, you may wish to obtain a consultant. To be considered final, any
-,delineation must be verified by the Corps.
X The waters of the U.S. including wetlands on your property have been delineated and the delineation has been verified
by the Corps. If you wish to have the delineation surveyed, the Corps can review and verify the survey upon completion.
Once verified, this survey will provide an accurate depiction of all areas subject to CWA and/or RHA jurisdiction on your
property which, provided there is no change in the law or our published regulations, may be relied upon for a period not to
exceed five years.
Page 1 of 2

The waters of the U.S. including wetlands have been delineated and surveyed and are accurately depicted on the plat
identified below. Unless there is a change in the law or our published regulations, this determination may be relied upon
for a period not to exceed five years from the date of this notification.
_ There are no waters of the U.S., to include wetlands, present on the above described property which are subject to the
permit requirements of Section 404 of the Clean Water Act (33 USC 1344). Unless there is a change in the law or our
published regulations, this determination may be relied upon for a period not to exceed five years from the date of this
notification.
X The property is located in one of the 20 Coastal Counties subject to regulation under the Coastal Area Management Act
(CAMA). You should contact the Division of Coastal Management in Wilmington, NC, at [phone] to determine
their requirements.
Placement of dredged or fill material within waters of the US and/or wetlands without a Department of the Army permit may
constitute a violation of Section 301 of the Clean Water Act (33 USC § 1311). If you have any questions regarding this
determination and/or the Corps regulatory program, please contact Kyle Dahl at 910-251-4469 or
Kyle.J.DahlAusace.army.mil.
C. Basis For Determination: Please see the attached Approved Jurisdictional Determination Form. The
enclosed map titled "Alderman Project" dated June 2017 accurately depicts the extent of jurisdictional
waters subject to jurisdictional under Section 404 of the Clean Water Act.
D. Remarks:
E. Attention USDA Program Participants
This del ineation/determination has been conducted to identify the limits of Corps' Clean Water Act jurisdiction for the
particular site identified in this request. The del ineation/determination may not be valid for the wetland conservation
provisions of the Food Security Act of 1985. If you or your tenant are USDA Program participants, or anticipate participation
in USDA programs, you should request a certified wetland determination from the local office of the Natural Resources
Conservation Service, prior to starting work.
F. Appeals Information (This information applies only to approved jurisdictional determinations as indicated in
B. above)
This correspondence constitutes an approved jurisdictional determination for the above described site. If you object to this
determination, you may request an administrative appeal under Corps regulations at 33 CFR Part 331. Enclosed you will find a
Notification of Appeal Process (NAP) fact sheet and request for appeal (RFA) form. If you request to appeal this
determination you must submit a completed RFA form to the following address:
US Army Corps of Engineers
South Atlantic Division
Attn: Jason Steele, Review Officer
60 Forsyth Street SW, Room 1OM15
Atlanta, Georgia 30303-8801
In order for an RFA to be accepted by the Corps, the Corps must determine that it is complete, that it meets the criteria for
appeal under 33 CFR part 331.5, and that it has been received by the Division Office within 60 days of the date of the NAP.
Should you decide to submit an RFA form, it must be received at the above address by September 3, 2017
**It is not necessary to submit an RFA form to the Division Office if you do not object to the determination in this
correspondence.** 00,
Corps Regulatory Official: xz��
Date: July 3, 2017 11161 Expiration Date: July 3, 2022

NOTIFICATION till° A:DMINIS1 RATIVII APPEAL OPTIONS AND I'R0(`FSS ,vND
FOR Al'I'EAL
Applicant: Jim Smith, Oleander Co I File Number: SAW-2011-01812 I Date: July 3, 2017
Attached is: See Section below
❑ INITIAL PROFFERED PERMIT Standard Permit or Letter ofpermission) A
❑ PROFFERED PERMIT (Standard Permit or Letter ofpermission) B
❑ PERMIT DENIAL C
® APPROVED JURISDICTIONAL DETERMINATION D
F-11 PRELIMINARY JURISDICTIONAL DETERMINATION E
SI'CTION I -The following identifies your rights and options regarding an administrative appeal of the above decision.
Additional information may be found at iitti)://wwyv.usace.ariii .mil/Missions/C.iviIWorks/Reg,ulatoryProgramandPerm its.aspx or
Corps regulations at 33 CFR fart 331.
A: INITIAL PROFFERED PERMIT: You may accept or object to the permit.
• ACCEPT: If you received a Standard Permit, you may sign the permit document and return it to the district engineer for final
authorization. If you received a Letter of Permission (LOP), you may accept the LOP and your work is authorized. Your
signature on the Standard Permit or acceptance of the LOP means that you accept the permit in its entirety, and waive all
rights to appeal the permit, including its terms and conditions, and approved jurisdictional determinations associated with the
permit.
• OBJECT: If you object to the permit (Standard or LOP) because of certain terms and conditions therein, you may request
that the permit be modified accordingly. You must complete Section Il of this form and return the form to the district
engineer. Your objections must be received by the district engineer within 60 days of the date of this notice, or you will
forfeit your right to appeal the permit in the future. Upon receipt of your letter, the district engineer will evaluate your
objections and may: (a) modify the permit to address all of your concerns, (b) modify the permit to address some of your
objections, or (c) not modify the permit having determined that the permit should be issued as previously written. After
evaluating your objections, the district engineer will send you a proffered permit for your reconsideration, as indicated in
Section B below.
B: PROFFERED PERMIT: You may accept or appeal the permit
• ACCEPT: If you received a Standard Permit, you may sign the permit document and return it to the district engineer for final
authorization. If you received a Letter of Permission (LOP), you may accept the LOP and your work is authorized. Your
signature on the Standard Permit or acceptance of the LOP means that you accept the permit in its entirety, and waive all
rights to appeal the permit, including its terms and conditions, and approved jurisdictional determinations associated with the
permit.
• APPEAL: If you choose to decline the proffered permit (Standard or LOP) because of certain terms and conditions therein,
you may appeal the declined permit under the Corps of Engineers Administrative Appeal Process by completing Section 11 of
this form and sending the form to the division engineer. This form must be received by the division engineer within 60 days
of the date of this notice.
C: PERMIT DENIAL: You may appeal the denial of a permit under the Corps of Engineers Administrative Appeal Process by
completing Section II of this form and sending the form to the division engineer. This form must be received by the division
engineer within 60 days of the date of this notice.
D: APPROVED JURISDICTIONAL DETERMINATION: You may accept or appeal the approved JD or provide new
information.
• ACCEPT: You do not need to notify the Corps to accept an approved JD. Failure to notify the Corps within 60 days of the
date of this notice, means that you accept the approved JD in its entirety, and waive all rights to appeal the approved JD.
• APPEAL: If you disagree with the approved JD, you may appeal the approved JD under the Corps of Engineers
Administrative Appeal Process by completing Section II of this form and sending the form to the district engineer. This form
must be received by the division engineer within 60 days of the date of this notice.

E: PRELIMINARY JURISDICTIONAL DETERMINATION: You do not need to respond to the Corps regarding the
preliminary JD. The Preliminary JD is not appealable. If you wish, you may request an approved JD (which may be appealed),
by contacting the Corps district for further instruction. Also you may provide new information for further consideration by the
Corps to reevaluate the JD.
REASONS FOR APPEAL OR OBJECTIONS: (Describe your reasons for appealing the decision or your objections to an initial
proffered permit in clear concise statements. You may attach additional information to this form to clarify where your reasons or
objections are addressed in the administrative record.)
ADDITIONAL INFORMATION: The appeal is limited to a review of the administrative record, the Corps memorandum for the
record of the appeal conference or meeting, and any supplemental information that the review officer has determined is needed to
clarify the administrative record. Neither the appellant nor the Corps may add new information or analyses to the record.
However, you may provide additional information to clarify the location of information that is already in the administrative
record.
If you have questions regarding this decision and/or the
appeal process you may contact:
District Engineer, Wilmington Regulatory Division,
Attn: Kyle Dahl
[phone]
[e-mail]
If you only have questions regarding the appeal process you may
also contact:
Mr. Jason Steele, Administrative Appeal Review Officer
CESAD-PDO
U.S. Army Corps of Engineers, South Atlantic Division
60 Forsyth Street, Room 1 OM 15
Atlanta, Georgia 30303-8801
Phone: [phone]
RIGHT OF ENTRY: Your signature below grants the right of entry to Corps of Engineers personnel, and any government
consultants, to conduct investigations of the project site during the course of the appeal process. You will be provided a 15 day
notice of any site investigation, and will have the opportunity to participate in all site investigations.
Date: I Telephone number:
Signature of appellant or
For appeals on Initial Proffered Permits send this form to:
District Engineer, Wilmington Regulatory Division, Kyle Dahl, 69 Darlington Ave., Wilmington, NC 28403
For Permit denials, Proffered Permits and approved Jurisdictional Determinations send this form to:
Division Engineer, Commander, U.S. Army Engineer Division, South Atlantic, Attn: Mr. Jason Steele,
Administrative Appeal Officer, CESAD-PDO, 60 Forsyth Street, Room 10M15, Atlanta, Georgia 30303-8801
Phone: [phone]

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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix C
2019 Google Earth Aerial Photograph
ui

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix D
Existing 2017 Nationwide Permit and
Wetland Restoration Credit Receipt
1v

a 1.
; U.S. ARMY CORPS OF ENGINEERS
WILMINGTON DISTRICT
Action Id. SAW-2011-01812 County: New Hanover County U.S.G.S. Quad: Wilmington
GENERAL PERMIT (REGIONAL AND NATIONWIDE) VERIFICATION
Permittee: Oleander Company
Jim Smith
P.O. Box 3145
Wilmington, NC 28405
Size (acres) 27
Nearest Waterway Burnt Mill Creep
USGS HUC 03030001
Agent: Kim Williams
LMG
3805 Wrightsville Ave
Suite 15
Wilmington, NC 28403
Nearest Town Wilmington
River Basin White Oak
Coordinates Latitude: 34.201905119377
Longitude:-77.9025106971415
Location description: Project area is an undeveloped parcel located 0.51 miles northeast of the intersection of
Independence Boulevard and Shipyard Boulevard.
Description of projects area and activity: This verification authorizes the use of a Nationwide Permit 39 to fill 0.204 acre
of wetlands and 0.125 acre of ditches necessary for the construction of office buildings and associated infrastructure
including parking areas and storm water management facilities. This verification also authorizes the use of a
Nationwide Permit 18 for 0.034 acre of fill in wetlands for a storm water pipe outfall and associated riprap.
Applicable Law: ® Section 404 (Clean Water Act, 33 USC 1344) '
❑ Sections 10 (Rivers and Harbors Act, 33 USC 403)
Authorization: Regional General Permit Number or Nationwide Permit Number: 18 & 39
SEE ATTACHED RGP or NWP GENERAL, REGIONAL AND SPECIAL CONDITIONS
Your work. is authorized by the above referenced permit provided it is accomplished in strict accordance with the
attached conditions and your submitted application and attached information dated August 4, 2017. Any violation of
the attached conditions or deviation from your submitted plans may subject the permittee to a stop work order, a
restoration order, a Class I administrative penalty, and/or appropriate legal action.
This verification will remain valid until the expiration date identified below unless the nationwide authorization is modified,
suspended or revoked. If, prior to the expiration date identified below, the nationwide permit authorization is reissued and/or
modified, this verification will remain valid until the expiration date identified below, provided it complies with all
requirements of the modified nationwide permit. If the nationwide permit authorization expires or is suspended, revolted, or
is modified, such that the activity would no longer comply with the terms and conditions of the nationwide permit, activities
which have commenced (i.e., are under construction) or are under contract to commence in reliance upon the nationwide
permit, will remain authorized provided the activity is completed within twelve months of the date of the nationwide permit's
expiration, modification or revocation, unless discretionary authority has been exercised on a case -by -case basis to modify,
suspend or revoke the authorization.
Activities subject to Section 404 (as indicated above) may also require an individual Section 401 Water Quality Certification.
You should contact the NC Division of Water Resources (telephone [phone]) to determine Section 401 requirements.
For activities occurring within the twenty coastal counties subject to regulation under the Coastal Area Management Act
(CAMA), prior to beginning work you must contact the N.C. Division of Coastal Management
in Wilmington, NC, at [phone].
This Department of the Army verification does not relieve the permittee of the responsibility to obtain any other required
Federal, State or local approvals/permits. If there are any questions regarding this verification, any of the conditions of the
Permit, or the Corps of Engineers regulatory program, please contact Rachel Canito at (910)-251-4487 _ or
Rachel. A.CanitoQusace.armv.mil.
Corps Regulatory Official: • W Date: October 13, 2017
Expiration Date of Verification: March 18, 2022

` 1; Determination of Jurisdiction:
A. ® There are waters, including wetlands, on the above described project area that may be subject to Section 404 of the
Clean Water Act (CWA) (33 USC § 1344) and/or Section 10 of the Rivers and Harbors Act (RHA) (33 USC § 403). This
preliminary determination is not an appealable action under the Regulatory Program Administrative Appeal Process
(Reference 33 CPR Part 331). However, you may request an approved JD, which is an appealable action, by contacting
the Corps district for further instruction. Please note, if work is authorized by either a general or nationwide permit, and
you wish to request an appeal of an approved JD, the appeal must be received by the Corps and the appeal process
concluded prior to the commencement of any work in waters of the United States and prior to any work that could alter
the hydrology of waters of the United States.
B. ❑ There are Navigable Waters of the United States within the above described project area subject to the permit
requirements of Section 10 of the Rivers and Harbors Act (RHA) (33 USC § 403) and Section 404 of the Clean Water
Act (CWA) (33 USC § 1344). Unless there is a change in the law or our published regulations, this determination may
be relied upon for a period not to exceed five years from the date of this notification.
C. ❑ There are waters, including wetlands, within the above described project area that are subject to the permit
requirements of Section 404 of the Clean Water Act (CWA) (33 USC § 1344). Unless there is a change in the law or our
published regulations, this determination may be relied upon for a period not to exceed five years from the date of this
notification,
D. ® The jurisdictional areas within the above described project area have been identified under a previous action. Please
reference jurisdictional determination issued July_3, 2017. Action ID: SAW-2011-01812.
Basis For Determination: This site exhibits wetland criteria as described in the 1987 Corps
Wetland Delineation Manual and The Atlantic and Gulf Coastal Plain Regional Supplement to the
1987 Wetland Delineation Manual. Delineation approved on 6/30/2017. Please see attached
Alderman Pro'ect ma for extent of 'urisdictional waters under Section 404 of the Clean Water
Act.
E. Attention USDA Program Participants
This delineation/determination has been conducted to identify the limits of Corps' Clean Water Act jurisdiction for the
particular site identified in this request. The delineation/determination may not be valid for the wetland conservation
provisions of the Food Security Act of 1985. If you or your tenant are USDA Program participants, or anticipate
participation in USDA programs, you should request a certified wetland determination from the local office of the Natural
Resources Conservation Service, prior to starting work.
The Wilmington District is committed to providing the highest level of support to the public. To help us ensure
we continue to do so, please complete our Customer Satisfaction Survey, located online at
http://corpsmapu.usace.army.mil/cm gVex/l'?12=136.4:0.

e.i B a 1
SPECIAL CONDITIONS
SAW-2011-01812 (NWP 18 and 39)
1. In order for this Nationwide Permit to be valid, you must obtain 401 Water Quality
Certification from the North Carolina Division of Water Resources. The permittee shall
provide the Corps with a copy of the required certification or waiver of certification from the
state prior to proceeding with the work in waters of the U.S. The peimittee shall comply
with all conditions of the state certification.
2. The permittee shall employ all sedimentation and erosion control measures necessary to
prevent an increase in sedimentation or turbidity within waters and wetlands outside the
permit area. This shall include, but is not limited to, the immediate installation of silt fencing
or similar appropriate devices around all areas subject to soil disturbance or the movement of
earthen fill, and the immediate stabilization of all disturbed areas. Additionally, the project
must remain in full compliance with all aspects of the Sedimentation Pollution Control Act of
1973 (North Carolina General Statutes Chapter 113A Article 4).
3. In order to compensate for impacts associated with this permit, mitigation shall be provided
in accordance with the provisions outlined on the most recent version of the attached
Compensatory Mitigation Responsibility Transfer Form. The requirements of this form,
including any special conditions listed on this form, are hereby incorporated as special
conditions of this permit authorization.

Action ID Number: SAW-2011-01812
Permittee: Oleander Company
Project Name: Live Oak Bank
Date Verification Issued: October 13, 2017
Project Manager: Rachel. Capito
County: New Hanover_CountY
Upon completion of the activity authorized by this permit and any mitigation required by the
permit, sign this certification and return it to the following address:
US ARMY CORPS OF ENGINEERS
WILMINGTON DISTRICT
Attn: Rachel Capito
Please note that your permitted activity is subject to a compliance inspection by a U. S. Army
Corps of Engineers representative. Failure to comply with any terms or conditions of this
authorization may result in the Corps suspending, modifying or revoking the authorization and/or
issuing a Class I administrative penalty, or initiating other appropriate legal action.
I hereby certify that the work authorized by the above referenced permit has been completed in
accordance with the terms and condition of the said permit, and required mitigation was
completed in accordance with the permit conditions.
Signature of Permittee
Date

Compensatory Mitigation Responsibility Transfer Form
Permittee: Oleander Company, c/o Jim Smith Action ID: SAW-2011-01812
Project Name: Live Oak Bank County: New Hanover
Instructions to Permittee: The Permittee must provide a copy of this form to the Mitigation Sponsor, either an approved
Mitigation Bank or the North Carolina Division of Mitigation Services (NCDMS), who will then sign the form to verify the
transfer of the mitigation responsibility. Once the Sponsor has signed this form, it is the Permittee's responsibility to
ensure that to the U.S. Army Corps of Engineers (USACE) Project Manager identified on page two is in receipt of a signed
copy of this form before conducting authorized impacts, unless otherwise specified below. If more than one mitigation
Sponsor will be used to provide the mitigation associated with the permit, or if the impacts and/or the mitigation will occur
in more than one 8-digit Hydrologic Unit Code (HUC), multiple forms will be attached to the permit, and the separate forms
for each Sponsor and/or HUC must be provided to the appropriate mitigation Sponsors.
Instructions to Sponsor: The Sponsor must verify that the mitigation requirements (credits) shown below are available at
the identified site. By signing below, the Sponsor is accepting full responsibility for the identified mitigation, regardless of
whether or not they have received payment from the Permittee. Once the form is signed, the Sponsor must update the
bank ledger and provide a copy of the signed form and the updated bank ledger to the Permittee, the USACE Project
Manager, and the Wilmington District Mitigation Office (see contact information on page 2). The Sponsor must also comply
with all reporting requirements established in their authorizing instrument.
Permitted Impacts and Compensatory Mitigation Requirements:
Permitted Impacts Reaulring Mitigation* 8-digit HUC and Basin: 03030001, Cape Fear
Stream Impacts (linear feet)
Wetland Impacts (acres)
Warm
Cool
Cold
Riparian Riverine
Riparian Non-Riverine
Non -Riparian
Coastal
0.235-acres
*If more than one mitigation sponsor will be used for the permit, only include impacts to be mitigated by this sponsor.
Compensatory Mitigation Requirements: 8-digit HUC and Basin: 03030001, Cape Fear
Stream Mitigation (credits)
Wetland Mitigation (credits)
Warm
Cool
Cold
Riparian Riverine
Riparian Non-Riverine
I Non -Riparian
Coastal
0.476
Mitigation Site Debited: Lower Cape Fear Umbrella Mitigation Bank
(List the name of the bank to be debited. For umbrella banks, also list the specific site. For NCDMS, list NCDMS. If the
NCDMS acceptance letter identifies a specific site, also list the specific site to be debited).
Section to be completed by the Mitigation Sponsor
Statement of Mitigation Liability Acceptance: I, the undersigned, verify that I am authorized to approve mitigation
transactions for the Mitigation Sponsor shown below, and I certify that the Sponsor agrees to accept full responsibility for
providing the mitigation identified in this document (see the table above), associated with the USACE Permittee and Action
ID number shown. I also verify that released credits (and/or advance credits for NCDMS), as approved by the USACE, are
currently available at the mitigation site identified above. Further, I understand that if the Sponsor fails to provide the
required compensatory mitigation, the USACE Wilmington District Engineer may pursue measures against the Sponsor to
ensure compliance associated with the mitigation requirements.
Mitigation Sponsor Name:
Name of Sponsor's Authorized Representative:
Signature of Sponsor's Authorized Representative Date of Signature
USACE Wilmington District

Compensatory Mitigation Responsibility Transfer Form, Page 2
Conditions for Transfer of Compensatory Mitigation Credit:
• Once this document has been signed by the Mitigation Sponsor and the USACE is in receipt of the signed form, the Permittee is
no longer responsible for providing the mitigation identified in this form, though the Permittee remains responsible for any
other mitigation requirements stated in the permit conditions.
• Construction within jurisdictional areas authorized by the permit identified on page one of this form can begin only after the
USACE is in receipt of a copy of this document signed by the -Sponsor, confirming that the Sponsor has accepted responsibility
for providing the mitigation requirements listed herein. For authorized impacts conducted by the North Carolina Department of
Transportation (NCDOT), construction within jurisdictional areas may proceed upon permit issuance; however, a copy of this
form signed by the Sponsor must be provided to the USACE within 30 days of permit issuance. NCDOT remains fully responsible
for the mitigation until the USACE has received this form, confirming that the Sponsor has accepted responsibility for providing
the mitigation requirements listed herein.
• Signed copies of this document must be retained by the Permittee, Mitigation Sponsor, and in the USACE administrative records
for both the permit and the Bank/ILF Instrument. It is the Permittee's responsibility to ensure that the USACE Project Manager
(address below) is provided with a signed copy of this form.
0 If changes are proposed to the type, amount, or location of mitigation after this form has been signed and returned to the
USACE, the Sponsor must obtain case -by -case approval from the USACE Project Manager and/or North Carolina Interagency
Review Team (NCIRT). If approved, higher mitigation ratios may be applied, as per current District guidance and a new version
of this form must be completed and included in the USACE administrative records for both the permit and the Bank/ILF
Instrument.
Comments/Additional Conditions:
See permit conditions.
This form is not valid unless signed below by the USACE Project Manager and by the Mitigation Sponsor on Page 1. Once signed, the
Sponsor should provide copies of this form along with an updated bank ledger to: 1) the Permittee, 2) the USACE Project Manager
at the address below, and 3) the Wilmington District Mitigation Office, Attn: Todd Tugwell, 11405 Falls of Neuse Road, Wake
Forest, NC 27587 (email: [e-mail]. mil). Questions regarding this form or any of the permit conditions may be
directed to the USACE Project Manager below.
USACE Project Manager: Rachel Capito
USACE Field Office: Wilmington Regulatory Field Office
US Army Corps of Engineers
69 Darlington Avenue
Wilmington, NC 28403
Email: Rachel.A.Capito@USACE,Army.mil
USACE Project Manager Signature Date of Signature
Current Wilmington District mitigation guidance, including information on mitigation ratios, functional assessments, and mitigation
bank location and availability, and credit classifications (including stream temperature and wetland groupings) is available at
httv/1ribits.usace.army.mil.

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Live Oak Bank 2020 IP Application Supplemental Information
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Appendix E
Live Oak Bank Campus Wetland Impact Map

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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix F
Coastal Consistency Determination
vi

ROY COOPER NORTH CAROLINA
Gavernor Environmental Quality
MICHAEL S. REGAN
secretary
BiiAXXTON C. DAVIS
Director March 21, 2019
Dana Lutheran
Southern Environmental Group, Inc.
5315 South College Road, Suite E
Wilmington, NC 28412
SUBJECT: CD19-015 Consistency Concurrence Concerning the Development of Live Oak Bank
Campus, New Hanover County, North Carolina (DCM#20190015)
Dear Ms. Lutheran:
We received your consistency submission on January 24, 2019, concerning the development of Live Oak
Bank Campus including construction of office buildings, parking decks and associated infrastructure with
the incorporated area of the City of Wilmington.
North Carolina's coastal zone management program consists of, but is not limited to, the Coastal Area
Management Act, the State's Dredge and Fill Law, Chapter 7 of Title 15A of North Carolina's
Administrative Code, and the land use plan of the County and/or local municipality in which the proposed
project is located. It is the objective of the Division of Coastal Management (DCM) to manage the State's
coastal resources to ensure that proposed federal activities would be compatible with safeguarding and
perpetuating the biological, social, economic, and aesthetic values of the State's coastal waters.
DCM has reviewed the submitted information pursuant to the management objectives and enforceable
policies of Subchapters 711 and 7M of Chapter 7 in Title 15A of the North Carolina Administrative Code
and concurs that the proposed activity is consistent with North Carolina's approved coastal management
program.
Prior to the initiation of the activities described, the applicant should obtain any required State approvals or
authorizations, including any authorizations required by the N.C. Division of Water Resources. Should the
proposed action be modified further, a revised consistency determination could be necessary. This might
takethe form of either a supplemental consistency determination pursuant to 15 CFR 930.46, or a new
consistency determination pursuant to 15 CFR 930.36. Likewise, if further project assessments reveal
environmental effects not previously considered, a supplemental consistency certification may be
required. If you have any questions, please contact me at [phone]. Thank you for your consideration
of the North Carolina Coastal Management Program.
Sine ,
Daniel Govoni
Policy Analyst
Federal Consistency Coordinator
North Carolina Department of Environmental Quality I Division of Coastal Management
Morehead City Office 400 Commerce Avenue Morehead Gity, North Carolina 28557
252.808.2808

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix G
Previous Designs and Layouts
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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix H
Stormwater Allocation Map with Tables
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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix I
Lower Cape Fear Mitigation Bank Reservation Letter
A

Lower Cape Fear Mitigation Bank
Reservation Letter to be forwarded once
received.

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix J
Adjacent Property Owner Map

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Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix K
Other State and Local Permits
xi

CrNflF N'GTON
1 W--7j
X' - NORTH CAROLIMA
July 24, 2018
Mr. W. Lee Williams
Live Oak Bank Company
1741 Tiburon Drive
Wilmington, NC 28403
Subject: Stormwater Management Permit No. 2011034R4
Live Oak Bank at Tiburon Parc
Offsite Permit Revision
Dear Mr. Williams:
Public Services
Engineering
. 212 Operations Center Drive
Wilmington, NC 28412
a 910 341-7807
910 341-5881 fax
wilmingtonnc.gov
Dial711 TTY/Voice
The City of Wilmington Engineering Division has received a request for a revision to the Stormwater
Management Permit for Live Oak Bank at Tiburon Parc. Having reviewed the application and all
supporting materials, the City of Wilmington has determined that the proposed revision meets the
requirements of the City of Wilmington's Comprehensive Stormwater Ordinance.
The revisions include:
- Revised Landscape Plan (approved plan dated July 24, 2018)
Please be aware all terms and conditions of the permit Issued on November 23, 2011 remain in full
force and effect. Any additional changes to the approved plans must be approved by this office prior
to construction. The issuance of the plan revision does not preclude the permittee from complying
with all other applicable statutes, rules, regulations or ordinances which may have jurisdiction over
the proposed activity, and obtaining a permit or approval prior to construction.
The revised stamped, approved stormwater management drawings will be released for construction
by the Wilmington Planning Division under separate cover. Please replace any old plan sheets from
the approved set with the new, revised sheet. An electronic copy of the approved drawing set,
permit, application and supplementary documents will be maintained by the Wilmington Engineering
Division. If you have any questions, or need additional information, please contact Richard
Christensen at [phone] or [e-mail]
Sincerely,
---p 410--
.for Sterling Cheatham, City Manager
City of Wilmington
M. John Tunstall, Norris & Tunstall
Eryn Futral, Associate Planner, City of Wilmington
Page 1 of 1

,L [E�MC�r
uAN i i 201ti L
ENGINEERING
i` u,n4sS
UIY0I `t
WILMINGTON
\ORTt [ C:AROLINA
Public Services
Engineering
414 Chestnut St, Suite 200
73 Wilmington, NC 28401
910 341-7807
910 341-5881 fax
wilmingtonnc.gov
Dial 711 TTYIVoice
STORMWATER MANAGEMENTFORM
PERMIT APPLICATION
(Form
TY� � ` � +
GENERAL INFORMATION Rfj_� , ib 13 o 15 '
Project Name (subdivision, facility, or establishment name - should be consistent with project na e
on plans, specifications, letters, operation and maintenance agreements, etc.):
Live Oak Banking Company Building 31 Fitpark
2. Location of Project (street address):
1741 Tiburon Drive
City: Wilmington County: New Hanover Zip: 28403
3. Directions to project (from nearest major intersection):
From the intersection of Independence Blvd. & Tiburon Dr., travel east along
Tiburon Dr. approximately 1,850'. The site is on the left.
II. PERMIT INFORMATION
1. Specify the type of project (check one): ❑ Low Density ❑ High Density
X Drains to an Offsite Stormwater System ❑ Drainage Plan ❑ Other
If the project drains to an Offsite System, list the Stormwater Permit Number(s):
City of Wilmington: 2011033R2
State — NCDENR/DWQ: NIA
2. Is the project currentrXiYesF_1No
overed (whole or in part) by an existing City or State (NCDENR/DWQ)
Stormwater Permit?
If yes, list all applicable Stormwater Permit Numbers:
City of Wilmington: 2011034R2 (07-13-15)
State — NCDENR/DWQ: NIA
Additional Project Permit Requirements (check all applicable):
❑CAMA Major ❑X Sedimentation/Erosion Control
❑NPDES Industrial Stormwater ❑404/401 Permit: Proposed Impacts:
If any of these permits have already been acquired please provide the Project Name, Project/Permit
Number, issue date and the type of each permit:
All required permits are currently being reviewed by various agencies for approval.

RECEIVED
J) 01 OCT 2 3 2017 Page 2 of 7
WILIJINGTON
ENGINEERING
III. CONTACT INFORMATION
Print Applicant 1 Signing Official's name and title (specifically the developer, property owner, lessee,
designated government official, individual, etc. who owns the project):
Applicant/ organization: Live Oak Banking Company
Signing Official & Title: W. Lee Williams, Executive Vice President
a. Contact information for Applicant 1 Signing Official:
Street Address: 1741 Tiburon Drive
City: Wilmington State: NC Zip: 28403
Phone: [phone] Fax: [phone] Email: [e-mail]
Mailing Address (if different than physical address): Same as Above
City: State: Zip:
b. Please check the appropriate box. The applicant listed above is:
❑X The property owner (Skip to item 3)
El Lessee* (Attach a copy of the lease agreement and complete items 2 and 2a below)
❑ Purchaser* (Attach a copy of the pending sales agreement and complete items 2 and 2a below)
❑ Developer* (Complete items 2 and 2a below.)
2. Print Property Owner's name and title below, if you are the lessee, purchaser, or developer. (This is
the person who owns the property that the project is on.)
Property Owner 1 Organization:
Signing Official & Title:
a. Contact information for Property Owner:
Street Address:
City: State: Zip:
Phone:
Fax: Email:
Mailing Address (if different than physical address):
City: State: Zip:
3. (Optional) Print the name and title of another contact such as the project's construction supervisor
or another person who can answer questions about the project:
Other contact Person / organization. Norris & Tunstall Consulting Engineers, P.C.
Signing Official & Title: T. Jason Clark, P.E.

Page 3 of 7
I Ii GTON (QOV ,A-� J: 00 s
ICN[�INIFRI\(� LUA � 1
a. Contact information for person listed in item 3 above: ,��
Street Address: 902 Market Street
City: Wilmington State., NC Zip: 28401
Phone: [phone] Fax: [phone] Email: [e-mail] cc: [e-mail]
Mailing Address (if different than physical address): Same as Above
City: State: Zip:
IV. PROJECT INFORMATION
1. In the space provided below, briefly summarize how the stormwater runoff will be treated.
All new impervious will be treated by the newly revised (Oct. 2017) Regional
Stormwater Pond (2011033R2). Tract BR (Live Oak Bank 1, 2 & 3) has been
expanded.
0 15V S1= - Sti
2. Total Property Area: 1.109,987 square feet ) ]
3. Total Coastal Wetlands Area: 0 square feet
4. Total Surface Water Area: 0 square feet
5. Total Property Area (2) — Total Coastal Wetlands Area (3) — Total Surface Water Area (4) = Total
Project Area: 1,109,987 square feet.
6. Existing Impervious Surface within Property Area: 194.943 square feet
7. Existing Impervious Surface to be Removed/Demolished: 41,843 square feet
8. Existing Impervious Surface to Remain: 153,100 square feet
9. Total Onsite (within property boundary) Newly Constructed Impervious Surface (in square feet):
16 U)
Buildings/Lots
79,600
Impervious Pavement
26,232
Pervious Pavement (adj. total, with o % credit applied)
17,886
Impervious Sidewalks
22,055
Pei vivuSSE o liedj �
23,281
Other (describe) MUP
2,781
Future Development k
362,854
Total Onsite Newly Constructed Impervious Surface
534,689
10. Total Onsite Impervious Surface
(Existing Impervious Surface to remain + Onsite Newly Constructed Impervious Surface) = 687,789 square feet
11. Project percent of impervious area: (Total Onsite Impervious Surface 1 Total Project Area) X100 = 62 %

RECEIVED �ty'
..BAN 3 3 2018 Page 4 of 7
TILMINGTON
rNIONI:.RUW; ENGINEERING 1 ! 6 V2 3}
12. Total Offsite Newly Constructed Impervious Area (improvements made outside of property�ound,"A 1 �'
square feet}:
Impervious Pavement
o
Pervious Pavement (adj. total, with % credit applied)
o
Impervious Sidewalks
0
Pervious Sidewalks (adj. total, with % credit applied)
0
Other (describe)
10
Total Offsite Newly Constructed Impervious Surface
10
13. Total Newly Constructed Impervious Surface
(Total Onsite + Offsite Newly Constructed Impervious Surface) = 534689 square feet
14. Complete the following information for each Stormwater BMP drainage area. If there are more than
three drainage areas in the project, attach an additional sheet with the information for each area
provided in the same format as below. Low Density projects may omit this section and skip to
Section V. T� R I `� , t` I N ` r I
Basin Information
(Type of BMP)
BMP # 1
(Type of BMP)
BMP #
(Type of BMP)
BMP #
Receiving Stream Name
UT Hewlett Creek (>112 Mile)
UT Hewlett Creek (>112 Mile)
UT Hewlett Creek (>U2 Mile)
Receiving Stream Index Number
18-87-26
18-87-26
18-87-26
Stream Classification
SA; HQW (>112 Mile)
SA; HQW (>1I2 Mile)
SA; HQW (>112 Mile)
Total Drainage Area (so
1078156
31631
1109987
On -Site Drainage Area (so
1078156
31831
1109987
Off -Site Drainage Area (so
0
0
0
Total Impervious Area (sf)
664508
23281
687789
Buildings/Lots (so
79600
0
79600
Impervious Pavement (sf) 1
26232
20500
46732
Pervious Pavement, % credit (so
17886
0
17886
Impervious Sidewalks (so
22055
0
22055
Pervious Sidewalks, % credit (so
0
0
0
Other (so M T
2781
2781
5562
Future Development (SO
362854
0
362854
Existing Impervious to remain (sf)
153100
0
153100
Offsite (so
0
1 0
1 0
Percent Impervious Area (%)
61.6%
73.1%
1 62%
15. How was the off -site impervious area listed above determined? Provide documentation:
NIA

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WEM,.?,GTON
mecaNr.i RING
V. SUBMITTAL REQUIREMENTS
Page 5 of 7
1, Supplemental and Operation & Maintenance Forms - One applicable City of Wilmington Stormwater
BMP supplement form and checklist must be submitted for each BMP specified for this project. One
applicable proposed operation and maintenance (0&M) form must be submitted for each type of
stormwater BMP. Once approved, the operation and maintenance forms must be referenced on the
final plat and recorded with the register of deeds office.
2. Deed Restrictions and Restrictive Covenants - For all subdivisions, outparcels, and future
development, the appropriate property restrictions and protective covenants are required to be
recorded prior to the sale of any lot. Due to variability in lot sizes or the proposed BUA allocations, a
table listing each lot number, lot size, and the allowable built -upon area must be provided as an
attachment to the completed and notarized deed restriction form. The appropriate deed restrictions
and protective covenants forms can be downloaded at the link listed in section V (3). Download the
latest versions for each submittal.
In instances where the applicant is different than the property owner, it is the responsibility of the
property owner to sign the deed restrictions and protective covenants form while the applicant is
responsible for ensuring that the deed restrictions are recorded.
By the notarized signature(s) below, the permit holder(s) certify that the recorded property
restrictions and protective covenants for this project, if required, shall include all the items
required in the permit and listed on the forms available on the website, that the covenants
will be binding on all parties and persons claiming under them, that they will run with the
land, that the required covenants cannot be changed or deleted without concurrence from
the City of Wilmington, and that they will be recorded prior to the sale of any lot.
3. Only complete application packages will be accepted and reviewed by the City. A complete
package includes all of the items listed on the City Engineering Plan Review Checklist, including the
fee. Copies of the Engineering Plan Review Checklist, all Forms, Deed Restrictions as well as
detailed instructions on how to complete this application form may be downloaded from:
htt ://www.wilmin tonnc, ov/PublicServices/En ineerin/PlanReview/StormwaterPermits-as x
The complete application package should be submitted to the following address:
City of Wilmington — Engineering
Plan Review Section
414 Chestnut Street, Suite 200
Wilmington, NC 28402

, ur rTo
- Page 6 of 7
�
A CONSULTANT INFORMATION AND AUTHORIZATION
1. Applicant: Complete this section if you wish to designate authority to another individual and/or firm
(such as a consulting engineer and /or firm) so that they may provide information on your behalf for
this project (such as addressing requests for additional information).
Consulting Engineer: T. Jason Clark, P.E.
Consulting Firm: Norris & Tunstall Consulting Engineers, P.C.
a. Contact information for consultant listed above:
Mailing Address: 902 Market Street
City: Wilmington State: NC Zip: 28401
Phone: [phone] Fax: [phone] Email: [e-mail] cc: [e-mail]
VI 1. PROPERTY OWNER AUTHORIZATION (If Section 111(2) has been filled out, complete this section)
I, (print or type name of person listed in Contact Information, item 2) , certify that I
own the property identified in this permit application, and thus give permission to (print or type name of
person listed in Contact Information, item 1) with (print or type name of organization
listed in Contact Information, item 1) to develop the project as currently
proposed. A copy of the lease agreement or pending property sales contract has been provided with
the submittal, which indicates the party responsible for the operation and maintenance of the
stormwater system.
As the legal property owner I acknowledge, understand, and agree by my signature below, that if my
designated agent (entity listed in Contact Information, item 1) dissolves their company and/or cancels or
defaults on their lease agreement, or pending sale, responsibility for compliance with the City of
Wilmington Stormwater Permit reverts back to me, the property owner. As the property owner, it is my
responsibility to notify the City of Wilmington immediately and submit a completed Name/Ownership
Change Form within 30 days; otherwise I will be operating a stormwater treatment facility without a
valid permit, I understand that the operation of a stormwater treatment facility without a valid permit is a
violation of the City of Wilmington Municipal Code of Ordinances and may result in appropriate
enforcement including the assessment of civil penalties.
Signature. -
SEAL
a Notary Public for the
State of County of do
hereby certify that
personally appeared before me this day of
and acknowledge the due execution of the application for a stormwater
permit. Witness my hand and official seal,
My commission expires:

lLJINGTENGION
VIII. APPLICANT'S CERTIFICATION
Page 7 of 7
1, (print or type name of person listed in Contact Information, item 9) , W. Lee Williams, Executive Vice President certify
that the information included on this permit application form is, to the best of my knowledge, correct and
that the project will be constructed in conformance with the approved plans, that the required deed
restrictions and protective covenants will be recorded, and that the proposed project complies with the
requirements of the applicable stormwater rules under.
c
Signature: Date: A /192
SEAL `�►►►�►���tirri
00 ...:,k t�'•,
L • M
` :'0U ElLAG,
,��r, C VE{R ►CO , ``�,,
I, i6ftlddL . Q ( W , a Notary Public for the
State of U � � efwb wt", , County of IMM J'-6V IOVerI do
hereby certify that W. �_ee \AM I s ClM S
personally appeared before me this day of
and acknowledge the due execution of the application for a stormwater
permit.,, Witness my hand and pfficial seal,
My commission expires:

Permit No.
"ENGINEERIWG
(to be provided by City of Wilmington)
WATER MANAGEMENT PERMIT APPLICATION FORM
OFF -SITE SYSTEM SUPPLEMENT
VELOP This form may be photocRAINING TO op d for TED use
asian original
SYSTEMS �� 4 I � ` 0
&Y 2l
City of Wilmington Stormwater Management Plan Review: IN _ ,1 `
A complete stormwater management plan submittal includes a stormwater management permit application, an
off -site system supplement for each off -site stormwater treatment system, appropriate supplement forms for any
on -site stormwater treatment systems, and plans and specifications showing all stormwater conveyances and
drainage details for the project.
I. PROJECT INFORMATION
Project Name : Live Oak Banking Company Building 31 Fitpark
Contact Person: T_Jason Clark, P.E. Phone Number: ( 910) 343-9653
Is all drainage from the project directed to the off -site system? (check one): ® Yes ❑ No
II. OFF -SITE SYSTEM INFORMATION (please complete the following information for the off -site system
that will treat runoff from your project):
Permit No. 2011033R2
Project Name:Tiburon Parc
Type of System (wet pond, infiltration basin, etc.):Wet Pond
Lot No. (if part of a subdivision):NIA
How much built upon area draining to the permitted treatment system has been allocated to this
project?Tracts BR + Road RIW = 772,369 SF
III. REQUIRED ITEMS CHECKLIST
Prior to issuing an off -site permit, verification of the following information must be provided. Initial in the
space provided to indicate that the following requirements have been met and supporting documentation is
attached. If the applicant has designated an agent in the Stormwater Management Permit Application Form, the
agent may initial below. If a requirement has not been met, attach justification.
Form SW441-Off-Site System-Rev.I Page 1 of 2

IV.
a. Deed restrictions limiting the built -upon area on the site have been recorded.
b. Engineers certification for the existing off -site system has been submitted to DWQ.
c. There are no outstanding Notices of Violation for the off -site system.
d. Off -site syste is in compliance with the issued permit.
Of � I L I u
STORMWATER COLLECTION SY TEM MAINTENANCE REQUIREMENTS
Mowing will be accomplished as needed according to the season. Grass height will not exceed six inches
at any time.
2. Accumulated sediment and trash will be removed from the collection system as necessary. Swales and
ditches will be reseeded or sodded following sediment removal.
Eroded areas of swales and ditches will be repaired and reseeded. Swales and ditches will be revegetated as
needed based on monthly inspections.
4. The collection system, including catch basins, curb cuts, velocity reduction devices, and piping, will be
inspected monthly or after every significant runoff producing rainfall event. Trash and debris will be
cleared away from grates, curb cuts, velocity reduction devices, and piping.
The collection system may not be altered in any way without prior approval from the City of Wilmington
Engineering Division.
I acknowledge and agree by my signature below that I am responsible for maintaining the stormwater collection
system in accordance with the five maintenance procedures listed above. I agree to notify the City of
Wilmington of any problems with the system or prior to any changes to the system or responsible party.
Print Name and Title:W. Lee Williams, Executive Vice President
Address:1741 Tiburon Drive Wilmington, NC 28403
Phone:[phone] /j Date: G
Signature:_l•�' irk,
Note: The legally responsible party should not be a homeowners association unless more than 50% of the lots have been sold and a
resident of the subdivision has been named the president.
I, Yo S. Kth I
, a Notary Public `for the State ofC[016(J�a,County of
M Rd P:K , do hereby certify that w Vv
. _ee l am ` personally appeared before me this
day of .ilLne . , 12- j q- , and acknowledge the due execution of the forgoing document including the
stormwater collection system maintenance requirements. Witness my hand and official seal,
.¢O0IFE Skt L��
.
. QTA
Z Notary Public
+t• A,('j �_ ; My commission expires
Form � Z.
Page 2 of 2

Mz-�
NEW HANOVER COUNTY
Engineering DepartmentfWater and Sewer District I : 1 +
230 Government Center Drive • Suite 160 Bath E. Wetherill, C.P.P.&C.
Wilmington, North Carolina 2803 So�i Ems�orr 5pec��lrsr �����' }
TELEPHONE [phone]
Fax (91fl) 798-7051
July 23, 2418
By
Live Oak Banking Company
1741 Tiburon Drive,
Wilmington, North Carolina 28443
JUL a s 7018
1RE: Grading Permit #49-17 Revision 42, Live Oak Banking Company Building3lFitpark
Roadway Modifications Offsite
Dear Mr. Lee Williams:
Enclosed is the original and a copy of the revised utility grading permit that you appiied
for. Please read the permit conditions carrefafly and return the skned Mire orialhal to our
office andIke copy faryour records.
The land disturbing fee for the addition of 0.47 acres is S188. It is due to be paid to New
Hanover County, to my attention, upon receipt of this permit revision.
Freconstruction meetings are optional. If you choose not to have a preconstruction
meeting, please contact us with the [late the work is planned to take place and also when the
initial erosion control measures have been installed.
Thank you for your cooperation_ If you have any further questions, please feel free to
contact our office.
Sincerely,
to " W vrf'e-�
Beth Easley Wotherill
Sol] Erosion Specialist
New Hanover County
ec: John Tunstall, PE, N&T Eagineering
Eryn Futral, Associate Planner City of Wilmington

Permit# GP 49-17
Revision #2
Permit for a Land Disturbing Activity
New Hanover County
Department of Engineering
230 Government Center Drive - Suite 160
Wilmington, North Carolina 28403
[phone]
As authorized by the New Hanover County Erosion and Sedimentation Control Ordinance
This permit issued to Live Oak Banking Company uthorizes the development of 14.09 acres of land at
1741 Tiburon Drive far Line Oak Ban kin S Company Bull din g 3/Fitpark, Utilities and Off site Ruadwa�
Improvements in New Hanover County with modifications and performance reservation.. This permit issued on
November 22, 2017 is subject to compliance with the application and site drawings, all applicable regulations and
special conditions and notes set forth below. Any plan modifications must be approved by this office prior to
field chart elms.
It is understood by the applicant that a representative of New Hanover County's Engineering Department
may inspect the site at any time following the issuance of this Permit_ A cape of the approved Soil Erosion
Control Plm this permit, a rain gauge and copies of the Combined Self -Monitoring and Self Inspection Reports
roust be avaslable at all times at the site.
Failure to execute the provisions of this permit and the approved Soil Erosion Ilan, or any other
provisions of the New Hanover County Soil Erosion and Sedimentation Control Ordinance, shall result in
ft-nmediate legal action by the County to the limits prescribed by the Ordinance. If the measures outlined on the
approved Soil Erosion Control Plan and this Permit prove insufficient, additional Erosion Control measures can
and will be required which in turn will be considered provisions of this Permit. This Permit does not preclude
any other permits or approvals necessary far beguuung ur completing this development. Approval of an erosion
control plan is conditioned on the applicant's compliance with Federal and State laws, regulations and rules. It is
the Perrrtittee"s responsibility to obtain all necessary permits and approvals.
SPECIAL COiw11DPTYC}NS
{THESE CONDITIONS MUST BE FOLLOWED IN ADDMON TO THE PLANS AND SPECIFICATIONS)
*All the soil erosion control measures will be installed as the site is cleared and maintained throughout
construction. The original permit for 12.94 acres was approved 11/22/17. It required a construction entrance, silt
fences and inlet protection to be installed during demolition. Additional erosion control measures are to be
installed after demolition that include a construction entrance, silt fences, inlet and outlet protection, a 5:1 sloped.
1.5-foot-deep diversion ditch, 3 immediately lined or sodded 3.1 trapezoidal swales with 4 foot bottoms 3.5 feet
deep, 2 temporary pipes with silt fences above each end, and construction and stabilization of Pond 2 with a 8
inch Faircloth skimmer and a 7.1 inch office. NOTE: The existing ditches must remain in place until the 3
trapezoidal bypass swales and all associated disturbed areas have become stable. Pond 2 will be built after the
existing ditches have been filled and the bypass ditch is complete and stabilized.
'Revision #3 approved 4/11/18 for 0.68 acres of ixtility work includes a construction entrance, silt fence and
concrete washouts.
"Revision #2 approved 7/23118 far 0.47 acres of offsite roadway improvements includes three 3.1 sloped
swales, inlet protection, concrete washouts and stabilization. Note: Rock for iirdet protection will be 16 to 18
inches high.

(Continued) - Page Two
Permit# GP 49-17
Revision #i2
*'free Removal Permits and/or Approvals are required from the City of Wilrnigton and/or New Hanover
County prior to issuance of this permit and clearing the site.
'Silt fence stakes must be steel and will be placed six feet apart without wire reinforcement or eight feet apart
with wire reinforcement. Silt fence is not allowed as inlet protection.
*This permit does not preclude any permits or approvals which may he necessary such as City of Wilmington or
New Hwiover County Stormwater, NCDENR Water Quality, C.A.M.A., and the US Army Corps, of Engineers.
DEM Solid Waste or any other agencies,
}No sediment shall leave the site.
*If plain revisions are necessary you must submit a copy to this office for approval prior to any field changes.
*If soil is brought onto this site or removed from this site, it must come from or be taken to an approved or
permitted site to be identified to this office prior to being brought onsite or removal from the site,
*All City and/or County and State drainage and storrnwater requirement's will be adhered to.
*If these measures fail to adequately control erosion, more restrictive measures will be required.
*If any phase of grading ceases for more than 25 working days, the site will he temporarily stabilized.
*All slopes must be stabilized within 21 calendar days of any phase of activity.
The approval of an erasion control plan is conditioned on the applicant's compliance with Federal and State
Later Quality Iaws, regulations and rules.
*Note the required rates for seed, line, fertilizer and mulch in your seeding specifications.
*Enclosed is a Combined Self -Monitoring and Self -Inspection Foram that meets the requirements of bath the
NPUES Stormwater Permit for Construction Activities, NCG 010000 reporting and the Land Resources Self
Inspection Program that satisfies the requirements of the Sedimentation Pollution Control Act. These are
mentioned below with specific requirements for each program. These reports are the responsibility of the
property owner. They require a rain gauge onsite, inspections and reporting every 7 calendar days and within
24 hours of every i1-2 inch rain per 24-hour period and at specific phases of construction. Additional copies of
this Combined Construction Inspection Report can be found at hitp. Zportal.ncdenr.orglwebNernsion .
Reports must be available onsite at all times. If you have questions, please contact New Hanover County
Engineering [phone] or the Land Quality Section at the NCDENR Regional office at [phone].
*Note the NPDES information from the State for sites disturbing 1 acre or more and the reporting
requirements. All NEW projects permitted after August 3, 2011 mast include the following surface water
withdrawal locations and stabilization requirement designations on the plan in order to qualify for coverage
under the most recent NPDE5 Construction General Permit. All settling basins must have outlet structures that
withdraw water from the surface, with the exception of basims or traps that have a drainage area of less than 1
acre. The NPDES permit also requires ground cover within 14 calendar days on di.5turbed flat areas and ground
cover within 7 calendar days on all areas within HQW Zones, perimeter dikes, swales, flitches, perimeter slopes
and all slopes steeper than 3:1. Exceptions include slopes that are 10 feet or less in length and notstee per than 2:1
which must be stabilized within 14 calendar days and slopes greater than 50 feet which inust be stabilized within
7 calendar days. It requires inspections of all erosion control measures and reporting every 7 days and within 24
hours of every 3/2 inch rain event in a 24-hour period. This permit also includes other new requirements which are
listed in the text of the NPDFS Storrnwater Discharge Perrrdt for Construction Activities, which is attached tc the
original copy of each land disturbing pent.
*Note the land Resources Self Inspection Program Requirements. This program is separate from the NPDES
reporting and requires inspection and documentation after each phase of construction. These phases include:
Installation of perimeter erosion control measures, Clearing and Grubbing of existing ground cover,
Completion of any phase of grading of slopes or fills, Installation of storm drainage facilities, Completion of
construction or development, Establishrstent of permanent ground cover sufficient to restrain erasion and any
Deviation from the approved plan.
*Pre-cnnatruction meetings are optional. Contact Beth E. Wetherill at [phone] to set up a meeting prior to
land disturbing activity nnsite. If you do not choose to have a prec on struction meeting prior to starting work
on site, you should contact us when activity begins_

(Continued) - Page Three
This Permit will expire one-year from date of issue
if no construction activity begins on site. This permit
may not be amended or transferred to another party
without approval of this office.
Beth E. Wetherill, C.P.p.S.C.
Soil Erosion Specialist/New Hanover County
Permit# GP 49-17
Revision #2
Acknowledgment of receipt of Permit
Owner
IfY (please print)
Signature

Live Oak Bank 2020 IP Application Supplemental Information
SEGi
Appendix L
City of Wilmington Office and Industrial Setback Requirements
xu

City of Wilmington Office and Industrial Setback Requirements
1. PART III - TECHNICAL CODES
2. Chapter 18 - LAND DEVELOPMENT CODE
3. ARTICLE 5. - ZONING DISTRICT REGULATIONS
4. DIVISION 11. - DISTRICT REGULATIONS
5. Sec. 18-190. - 0&1-1, Office and Institutional District 1.
(f) Development standards.
(1) Dimensional requirements.
Minimum lot area (square feet): 15,000.
Maximum lot coverage: 40%.
Minimum lot width (feet): 80.
Minimum front setback (feet): 20.
Minimum rear setback (feet): 20 (b), (d)
Minimum interior side setback (feet): 10 (`), (d)
Minimum corner lot side setback (feet): 20.
Height (feet): 45 la1
Notes:
(a)See subsection (f)(2) below for requirements for increased height up to 75 feet for
structures.
(b)When abutting a residential district, the minimum rear setback shall be twenty-five
(25) feet.
(`)When abutting a residential district, the minimum interior side setback shall be twenty
(20) feet.
(d)For every foot of increased height of structures over twenty (20) feet, the developer
shall provide additional interior side and rear yard setbacks at a 1:1 ratio where abutting
a residential district.
(2) Height. Structures within the 0&1-1 District shall be limited to a maximum of forty-five
(45) feet by right. Structures up to a maximum of seventy-five (75) feet in height may be
permitted upon the issuance of a special use permit and if the following conditions are
met:
a. Maximum lot coverage. Thirty-five (35) percent.
b. Setback requirements. The following setback requirements must be met along
any property line which is adjacent to a residentially used or zoned parcel:
i. Up to sixty (60) feet in height: Eighty (80) feet (minimum) building setback.
ii. Up to seventy-five (75) feet in height: One hundred forty-three (143) feet
(minimum) building setback.

Contact Name*
Contact Email Address*
Project Owner*
Project Name*
Project County*
Owner Address:*
Is this a transportation project?*
David Syster
[e-mail]
Live Oak Bank c/o Mr. Lee Williams
Live Oak Bank Campus
New Hanover
Street Address
1741 Tiburon Drive
Address Line 2
aty
Wilmington
Postal / Zip axle
28403
(- Yes c: No
Type(s) of approval sought from the DWR:
F 401 Water Quality Certification - F 401 Water Quality Certification -
Regular Express
W Individual Permit F Modification
F Shoreline Stabilization
Does this project have an existing project ID#?*
c: Yes (- No
Please list all existing project ID's associated with this projects.*
20170974 v2
State / Province / Pegion
NC
Country
New Hanover
Do you know the name of the staff member you would like to request a meeting with?
Rick Trone
Please give a brief project description below.*
Live Oak Bank is in the process of expanding their campus. The proposed
design involves impacts to wetland which require 401 certification.
This application has previously been submitted and was withdrawn in 2019.
The current design and application includes the response to the last
request for additional information.
Please give a couple of dates you are available for a meeting.
11 /19/2020

11 /20/2020
11 /23/2020
11 /24/2020
Please attach the documentation you would like to have the meeting about.
5-28-2020 Impact Map Set.pdf 7.23MB
pdf only
By digitally signing below, I certify that I have read and understood that per the Federal Clean Water Act Section
401 Certification Rule the following statements:
This form completes the requirement of the Pre -Filing Meeting Request in the Clean Water Act Section 401 Certification
Rule.
1 understand by signing this form that I cannot submit my application until 30 calendar days after this pre -filing
meeting request.
1 also understand that DWR is not required to respond or grant the meeting request.
Your project's thirty -day clock started upon receipt of this application. You will receive notification regarding meeting location
and time if a meeting is necessary. You will receive notification when the thirty -day clock has expired, and you can submit an
application.
Signature *
Submittal Date 11/18/2020

Submittal Information
ID# 20170974 Version: 3
Project Name: Live Oak Bank Campus Expansion
Is this a transportation project? Application Type:
Non -DOT Application Attachment
App Received Date: 7/19/2021
Contact Emails
[e-mail]
County (or Counties)
New Hanover
Web Access URL: https://edocs.deq.nc.gov/Laserfiche/indexaspx?
db=WaterResources#id=1404641;view=browse
Public URL: https://edocs.deq.nc.gov/WaterResources/Browse.aspx?dbid=0&startid=1404641
Payment Information
Fee Received* r Yes
f No - Application withdrawn by Applicant
r No - On hold for more than 30 days - application returned
Date Fee 7/20/2021
Received:*
Select Reviewer:* RickTrone:eads\rvtrone
Select Reviewing Office:*
Central Office - [phone]