Live Oak Bancshares, Inc. provided effective tax rate guidance for the full year 2018. When combined with the lower corporate tax rate, the company's believes the company's effective tax rate for the full year of 2018 will be in the low to mid-single digits, keeping in mind that this can vary from quarter-to-quarter. These tax benefits sources will allow the company to retain more of the company's earnings, further augment capital and continue to grow the company's brand.