| Indiana                                                        | 35-1908796                           |
|----------------------------------------------------------------|--------------------------------------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |

|   | Large Accelerated Filer  o                                                  | Accelerated Filer  o         |
|--------|---------------------------------------------------------------------------------------|----------------------------------------|
|   |                                                                                  |                                   |
|   | Non-Accelerated Filer  o(Do not check if a smaller reporting company)  | Smaller Reporting Company  x |

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|          |                                                                                                                                          | PAGE   |
|---------------|-----------------------------------------------------------------------------------------------------------------------------------------------|--------|
|          |                                                                                                                                          |   |
| PART I.       | FINANCIAL INFORMATION                                                                                                                         |   |
|          |                                                                                                                                          |   |
| Item 1.       | Financial Statements                                                                                                                          |   |
|          |                                                                                                                                          |   |
|          | Condensed Consolidated Balance Sheets as of September 30, 2009 (Unaudited) and December 31, 2008                                              | 1      |
|          |                                                                                                                                          |   |
|          | Unaudited Condensed Consolidated Statements of Operations for the Quarters and Nine Months Ended September 30, 2009 and 2008                  | 2      |
|          |                                                                                                                                          |   |
|          | Unaudited Condensed Consolidated Statements of Comprehensive Income (Loss) for the Quarters and Nine Months Ended September 30, 2009 and 2008 | 3      |
|          |                                                                                                                                          |   |
|          | Unaudited Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2009 and 2008                               | 4      |
|          |                                                                                                                                          |   |
|          | Notes to Unaudited Condensed Consolidated Financial Statements                                                                                | 5      |
|          |                                                                                                                                          |   |
| Item 2.       | Management’s Discussion and Analysis of Financial Condition and Results of Operations                                                   | 14     |
|          |                                                                                                                                          |   |
| Item 4T.      | Controls and Procedures                                                                                                                       | 29     |
|          |                                                                                                                                          |   |
| PART II.      | OTHER INFORMATION                                                                                                                             | 30     |
|          |                                                                                                                                          |   |
| Item 5.       | Other Information                                                                                                                             | 30     |
|          |                                                                                                                                          |   |
| Item 6.       | Exhibits                                                                                                                                      | 30     |
|          |                                                                                                                                          |   |
| SIGNATURES    | 31                                                                                                                                            |
|          |                                                                                                                                          |   |
| EXHIBIT INDEX | 32                                                                                                                                            |

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WHITE RIVER CAPITAL, INC. AND SUBSIDIARIES 

|                                                                                                                                                                    |   | September 30, 2009 |    |   | December 31, 2008 |   |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------|---------|--------|-------------------|--------|
| ASSETS                                                                                                                                                                  |   | (Unaudited)        |    |   |              |   |
|                                                                                                                                                                    |   |               |    |   |              |   |
| Cash and cash equivalents                                                                                                                                               |   | $                  | 5,670   |   |              | $      | 6,403 |   |
| Finance receivables—net                                                                                                                                           |   |               | 89,917  |   |              |   | 84,187 |   |
| Deferred tax assets—net                                                                                                                                           |   |               | 45,296  |   |              |   | 46,946 |   |
| Other assets                                                                                                                                                            |   |               | 840     |   |              |   | 1,292 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| TOTAL                                                                                                                                                                   |   | $                  | 141,723 |   |              | $      | 138,828 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| LIABILITIES AND SHAREHOLDERS’ EQUITY                                                                                                                              |   |               |    |   |              |   |   |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| LIABILITIES:                                                                                                                                                            |   |               |    |   |              |   |   |   |
| Line of credit                                                                                                                                                          |   | $                  | 40,500  |   |              | $      | 40,500 |   |
| Accrued interest                                                                                                                                                        |   |               | 106     |   |              |   | 165 |   |
| Creditor notes payable                                                                                                                                                  |   |               | 22      |   |              |   | 128 |   |
| Other payables and accrued expenses                                                                                                                                     |   |               | 1,549   |   |              |   | 1,949 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| Total liabilities                                                                                                                                                       |   |               | 42,177  |   |              |   | 42,742 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| SHAREHOLDERS’ EQUITY:                                                                                                                                             |   |               |    |   |              |   |   |   |
| Preferred Stock, without par value, authorized 3,000,000 shares; none issued and outstanding                                                                            |   |               | — |   |              |   | — |   |
| Common Stock, without par value, authorized 20,000,000 shares; 4,062,506 and 4,022,853 issued and outstanding at September 30, 2009 and December 31, 2008, respectively |   |               | 182,576 |   |              |   | 182,462 |   |
| Accumulated other comprehensive income, net of taxes                                                                                                                    |   |               | 12      |   |              |   | 210 |   |
| Accumulated deficit                                                                                                                                                     |   |               | (83,042 | )      |              |   | (86,586 | ) |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| Total shareholders’ equity                                                                                                                                        |   |               | 99,546  |   |              |   | 96,086 |   |
|                                                                                                                                                                    |   |               |    |   |              |   |   |   |
| TOTAL                                                                                                                                                                   |   | $                  | 141,723 |   |              | $      | 138,828 |   |

| See notes to condensed consolidated financial statements. |
|-----------------------------------------------------------|

----

|                                                            |   | Quarters Ended September 30, |      |   | Nine Months Ended September 30, |   |
|-----------------------------------------------------------------|--------|------------------------------|-----------|--------|---------------------------------|--------|
|                                                            |   | 2009                         |      |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |
| INTEREST:                                                       |   |                         |      |   |                            |   |   |   |   |   |   |   |
| Interest on receivables                                         |   | $                            | 7,898     |   |                            | $      | 7,584 |   |   | $ | 23,085 |   |   | $ | 23,321 |   |
| Accretion and other interest                                    |   |                         | 42        |   |                            |   | 931 |   |   |   | 341 |   |   |   | 6,261 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Total interest income                                           |   |                         | 7,940     |   |                            |   | 8,515 |   |   |   | 23,426 |   |   |   | 29,582 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Interest expense                                                |   |                         | (375      | )      |                            |   | (615 | ) |   |   | (1,145 | ) |   |   | (2,088 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin                                             |   |                         | 7,565     |   |                            |   | 7,900 |   |   |   | 22,281 |   |   |   | 27,494 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Provision for estimated credit losses                           |   |                         | (2,184    | )      |                            |   | (2,089 | ) |   |   | (5,998 | ) |   |   | (4,907 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net interest margin after provision for estimated credit losses |   |                         | 5,381     |   |                            |   | 5,811 |   |   |   | 16,283 |   |   |   | 22,587 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| OTHER REVENUES (EXPENSES):                                      |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and benefits                                           |   |                         | (2,003    | )      |                            |   | (2,013 | ) |   |   | (6,074 | ) |   |   | (6,654 | ) |
| Third party servicing expense                                   |   |                         | (3        | )      |                            |   | (50 | ) |   |   | (29 | ) |   |   | (237 | ) |
| Other operating expenses                                        |   |                         | (1,485    | )      |                            |   | (1,264 | ) |   |   | (4,715 | ) |   |   | (4,955 | ) |
| Change in fair market valuation of creditor notes payable       |   |                         | 43        |   |                            |   | (4 | ) |   |   | 89 |   |   |   | (51 | ) |
| Gain from deficiency account sale                               |   |                         | 4         |   |                            |   | — |   |   |   | 170 |   |   |   | 158 |   |
| Other expense                                                   |   |                         | (56       | )      |                            |   | (87 | ) |   |   | (190 | ) |   |   | (214 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Total other revenues (expenses)                                 |   |                         | (3,500    | )      |                            |   | (3,418 | ) |   |   | (10,749 | ) |   |   | (11,953 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Goodwill Impairment                                             |   |                         | —   |   |                            |   | (34,536 | ) |   |   | — |   |   |   | (34,536 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| INCOME (LOSS) BEFORE INCOME TAXES                               |   |                         | 1,881     |   |                            |   | (32,143 | ) |   |   | 5,534 |   |   |   | (23,902 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| INCOME TAX BENEFIT (EXPENSE)                                    |   |                         | (622      | )      |                            |   | 11,671 |   |   |   | (1,990 | ) |   |   | 8,649 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME (LOSS)                                               |   | $                            | 1,259     |   |                            | $      | (20,472 | ) |   | $ | 3,544 |   |   | $ | (15,253 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME (LOSS) PER COMMON SHARE (BASIC)                      |   | $                            | 0.31      |   |                            | $      | (5.29 | ) |   | $ | 0.87 |   |   | $ | (3.94 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| NET INCOME (LOSS) PER COMMON SHARE (DILUTED)                    |   | $                            | 0.31      |   |                            | $      | (5.29 | ) |   | $ | 0.87 |   |   | $ | (3.94 | ) |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| BASIC WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING      |   |                         | 4,062,129 |   |                            |   | 3,872,610 |   |   |   | 4,056,751 |   |   |   | 3,869,429 |   |
|                                                            |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| DILUTED WEIGHTED AVERAGE NUMBER OF COMMON SHARES OUTSTANDING    |   |                         | 4,064,591 |   |                            |   | 3,872,610 |   |   |   | 4,060,039 |   |   |   | 3,869,429 |   |

| See notes to condensed consolidated financial statements. |
|-----------------------------------------------------------|

----

|                                                                                           |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|------------------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                                                                           |   | 2009                         |   |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |
| NET INCOME (LOSS)                                                                              |   | $                            | 1,259  |   |                            | $      | (20,472 | ) |   | $ | 3,544 |   |   | $ | (15,253 | ) |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| OTHER COMPREHENSIVE INCOME:                                                                    |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Net unrealized change on recombined assets and Beneficial Interest in Master Trust, net of tax |   |                         | (22    | )      |                            |   | (585 | ) |   |   | (198 | ) |   |   | (3,956 | ) |
|                                                                                           |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| COMPREHENSIVE INCOME (LOSS)                                                                    |   | $                            | 1,237  |   |                            | $      | (21,057 | ) |   | $ | 3,346 |   |   | $ | (19,209 | ) |

|   | See notes to condensed consolidated financial statements. |
|--------|-----------------------------------------------------------|

----

|                                                                                        |   | Nine Months Ended September 30, |    |
|---------------------------------------------------------------------------------------------|--------|---------------------------------|---------|
|                                                                                        |   | 2009                            |    |   | 2008 |   |
| CASH FLOWS FROM OPERATING ACTIVITIES:                                                       |   |                            |    |   |   |   |
| Net income (loss)                                                                           |   | $                               | 3,544   |   |   | $ | (15,253 | ) |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: |   |                            |    |   |   |   |   |   |
| Accretion of other comprehensive income                                                     |   |                            | (313    | ) |   |   | (6,231 | ) |
| Accretion of securitization discount                                                        |   |                            | (42     | ) |   |   | (852 | ) |
| Provision for estimated credit losses                                                       |   |                            | 5,998   |   |   |   | 4,907 |   |
| Goodwill impairment                                                                         |   |                            | — |   |   |   | 34,536 |   |
| Amortization and depreciation                                                               |   |                            | 336     |   |   |   | 315 |   |
| Amortization of discount and interest accrued on creditor notes payable                     |   |                            | 59      |   |   |   | (97 | ) |
| Gain from disposition of equipment                                                          |   |                            | 5       |   |   |   | — |   |
| Deferred income taxes                                                                       |   |                            | 1,765   |   |   |   | (8,891 | ) |
| Change in fair value of creditor notes payable                                              |   |                            | (89     | ) |   |   | 52 |   |
| Stock based compensation expense                                                            |   |                            | 114     |   |   |   | 408 |   |
| Changes in assets and liabilities:                                                          |   |                            |    |   |   |   |   |   |
| Accrued interest receivable and other assets                                                |   |                            | 187     |   |   |   | 81 |   |
| Other payables and accrued expenses                                                         |   |                            | (459    | ) |   |   | (342 | ) |
| Net cash provided by operating activities                                                   |   |                            | 11,105  |   |   |   | 8,633 |   |
|                                                                                        |   |                            |    |   |   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES:                                                       |   |                            |    |   |   |   |   |   |
| Purchase of finance receivables                                                             |   |                            | (46,604 | ) |   |   | (43,642 | ) |
| Collections on finance receivables                                                          |   |                            | 33,702  |   |   |   | 35,142 |   |
| Principal collections and recoveries on receivables held for investment                     |   |                            | 1,209   |   |   |   | 10,966 |   |
| Capital expenditures                                                                        |   |                            | (69     | ) |   |   | (86 | ) |
| Net cash provided by (used in) investing activities                                         |   |                            | (11,762 | ) |   |   | 2,380 |   |
|                                                                                        |   |                            |    |   |   |   |   |   |
| CASH FLOWS FROM FINANCING ACTIVITIES:                                                       |   |                            |    |   |   |   |   |   |
| Principal payments on creditor notes payable                                                |   |                            | (76     | ) |   |   | (1,027 | ) |
| Net repayment on line of credit                                                             |   |                            | — |   |   |   | (9,000 | ) |
| Net cash used in financing activities                                                       |   |                            | (76     | ) |   |   | (10,027 | ) |
|                                                                                        |   |                            |    |   |   |   |   |   |
| INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS                                            |   |                            | (733    | ) |   |   | 986 |   |
| CASH AND CASH EQUIVALENTS—Beginning of year                                           |   |                            | 6,403   |   |   |   | 3,785 |   |
| CASH AND CASH EQUIVALENTS—End of period                                               |   | $                               | 5,670   |   |   | $ | 4,771 |   |
|                                                                                        |   |                            |    |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:                                          |   |                            |    |   |   |   |   |   |
| Interest paid                                                                               |   | $                               | 1,145   |   |   | $ | 2,351 |   |

|   | See notes to condensed consolidated financial statements. |
|--------|-----------------------------------------------------------|

----

|   | 1.   BASIS OF PRESENTATION |
|--------|-------------------------------------------|

----

|   | 2.   GENERAL DISCUSSION |
|--------|----------------------------------------|

|   | 3.   FINANCE RECEIVABLES – NET |
|--------|-----------------------------------------------------|

----

|                                                                              |   | September 30, 2009 |    |   | December 31, 2008 |   |
|-----------------------------------------------------------------------------------|--------|--------------------|---------|--------|-------------------|--------|
|                                                                              |   |               |    |   |              |   |
| Finance receivables, gross                                                        |   | $                  | 112,692 |   |              | $      | 104,599 |   |
| Unearned interest                                                                 |   |               | (2,474  | )      |              |   | (3,076 | ) |
| Finance receivables, net of unearned finance charge income                        |   |               | 110,218 |   |              |   | 101,523 |   |
|                                                                              |   |               |    |   |              |   |   |   |
| Accretable unearned acquisition discounts and fees                                |   |               | (12,428 | )      |              |   | (10,836 | ) |
| Finance receivables, net of unearned finance charge income and discounts and fees |   |               | 97,790  |   |              |   | 90,687 |   |
|                                                                              |   |               |    |   |              |   |   |   |
| Allowance for loan losses                                                         |   |               | (8,010  | )      |              |   | (7,560 | ) |
|                                                                              |   |               |    |   |              |   |   |   |
| Finance receivables - net                                                         |   | $                  | 89,780  |   |              | $      | 83,127 |   |

|                                  |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|---------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                  |   | 2009                         |   |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                  |   |                         |   |   |                            |   |   |   |   |   |   |   |
| Balance at beginning of period        |   | $                            | 7,860  |   |                            | $      | 6,935 |   |   | $ | 7,560 |   |   | $ | 6,810 |   |
| Charge-offs, net of recoveries        |   |                         | (2,099 | )      |                            |   | (1,987 | ) |   |   | (5,799 | ) |   |   | (5,325 | ) |
| Provision for estimated credit losses |   |                         | 2,249  |   |                            |   | 2,287 |   |   |   | 6,249 |   |   |   | 5,750 |   |
|                                  |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period      |   | $                            | 8,010  |   |                            | $      | 7,235 |   |   | $ | 8,010 |   |   | $ | 7,235 |   |

|                                     |   | September 30, 2009 |    |   | December 31, 2008 |   |
|------------------------------------------|--------|--------------------|---------|--------|-------------------|--------|
|                                     |   |               |    |   |              |   |
| Principal balance of finance receivables |   | $                  | 139     |   |              | $      | 1,103 |   |
| Unearned discount                        |   |               | (3      | )      |              |   | (45 | ) |
| Accrued interest receivable              |   |               | 1       |   |              |   | 9 |   |
| Allowance for credit losses              |   |               | — |   |              |   | (7 | ) |
|                                     |   |               |    |   |              |   |   |   |
| Finance receivables—net            |   | $                  | 137     |   |              | $      | 1,060 |   |

----

|                                             |   | Quarters Ended September 30, |    |   | Nine Months Ended September 30, |   |
|--------------------------------------------------|--------|------------------------------|---------|--------|---------------------------------|--------|
|                                             |   | 2009                         |    |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                             |   |                         |    |   |                            |   |   |   |   |   |   |   |
| Balance at the beginning of period               |   | $                            | — |   |                            | $      | 10 |   |   | $ | 7 |   |   | $ | 222 |   |
| Charge-offs                                      |   |                         | (29     | )      |                            |   | (113 | ) |   |   | (114 | ) |   |   | (613 | ) |
| Recoveries                                       |   |                         | 94      |   |                            |   | 309 |   |   |   | 358 |   |   |   | 1,242 |   |
| Provision (recovery) for estimated credit losses |   |                         | (65     | )      |                            |   | (198 | ) |   |   | (251 | ) |   |   | (843 | ) |
|                                             |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                 |   | $                            | — |   |                            | $      | 8 |   |   | $ | — |   |   | $ | 8 |   |

|   | 4.   OTHER ASSETS |
|--------|----------------------------------|

|                                                |   | September 30, 2009 |   |   | December 31, 2008 |   |
|-----------------------------------------------------|--------|--------------------|--------|--------|-------------------|--------|
|                                                |   |               |   |   |              |   |
| Prepaid expenses                                    |   | $                  | 340    |   |              | $      | 691 |   |
| Property, equipment and leasehold improvements, net |   |               | 478    |   |              |   | 599 |   |
| Other                                               |   |               | 22     |   |              |   | 2 |   |
| Total other assets                                  |   | $                  | 840    |   |              | $      | 1,292 |   |

|   | 5.   CREDITOR NOTES PAYABLE |
|--------|--------------------------------------------|

|                                                                                 |   | Quarters Ended September 30, |   |   | Nine Months Ended September 30, |   |
|--------------------------------------------------------------------------------------|--------|------------------------------|--------|--------|---------------------------------|--------|
|                                                                                 |   | 2009                         |   |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                                                                 |   |                         |   |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Beginning balance                                                                    |   | $                            | 34     |   |                            | $      | 450 |   |   | $ | 128 |   |   | $ | 1,324 |   |
| Total (income) losses included in earnings (recorded as "other revenues (expenses)") |   |                         | (43    | )      |                            |   | 4 |   |   |   | (89 | ) |   |   | 51 |   |
| Purchases, issuances and settlements                                                 |   |                         | 31     |   |                            |   | (202 | ) |   |   | (17 | ) |   |   | (1,123 | ) |
| Ending balance                                                                       |   | $                            | 22     |   |                            | $      | 252 |   |   | $ | 22 |   |   | $ | 252 |   |

----

|   | 6.   INCOME TAXES |
|--------|----------------------------------|

|   | 7.   STOCK BASED COMPENSATION |
|--------|----------------------------------------------|

----

|   | Restricted Stock Awards    |   | Shares |    |   | Weighted Average Grant Date Fair Value |   |
|--------|----------------------------|--------|--------|---------|--------|----------------------------------------|--------|
|   |                       |   |   |    |   |                                   |   |
|   | Beginning nonvested awards |   |   | 21,400  |   |                                   | $      | 14.99 |   |
|   | Granted                    |   |   | 6,500   |   |                                   |   | 6.90 |   |
|   | Vested                     |   |   | (21,000 | )      |                                   |   | 14.58 |   |
|   | Forfeited                  |   |   | — |   |                                   |   | — |   |
|   | Ending nonvested awards    |   |   | 6,900   |   |                                   | $      | 8.62 |   |

----

|   | 8.   BUSINESS SEGMENT INFORMATION |
|--------|--------------------------------------------------|

| For The Quarter Ended September 30, 2009                                   |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
| Total interest income                                                      |   | $      | 45      |   |           | $      | 7,887   |                |   | $      | 8            |   |   | $ | 7,940 |   |
| Interest expense                                                           |   |   | (44     | )      |           |   | (331    | )                   |   |   | —      |   |   |   | (375 | ) |
| Net interest margin                                                        |   |   | 1       |   |           |   | 7,556   |                |   |   | 8            |   |   |   | 7,565 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 65      |   |           |   | (2,249  | )                   |   |   | —      |   |   |   | (2,184 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 66      |   |           |   | 5,307   |                |   |   | 8            |   |   |   | 5,381 |   |
| Total other expenses                                                       |   |   | (141    | )      |           |   | (2,845  | )                   |   |   | (514         | )      |   |   | (3,500 | ) |
| Income (loss) before income taxes                                          |   | $      | (75     | )      |           | $      | 2,462   |                |   | $      | (506         | )      |   | $ | 1,881 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| For The Quarter Ended September 30, 2008                                   |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
| Total interest income                                                      |   | $      | 1,143   |   |           | $      | 7,367   |                |   | $      | 5            |   |   | $ | 8,515 |   |
| Interest expense                                                           |   |   | (51     | )      |           |   | (564    | )                   |   |   | —      |   |   |   | (615 | ) |
| Net interest margin                                                        |   |   | 1,092   |   |           |   | 6,803   |                |   |   | 5            |   |   |   | 7,900 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 198     |   |           |   | (2,287  | )                   |   |   | —      |   |   |   | (2,089 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 1,290   |   |           |   | 4,516   |                |   |   | 5            |   |   |   | 5,811 |   |
| Total other revenues (expenses)                                            |   |   | (2,312  | )      |           |   | (2,749  | )                   |   |   | 1,643        |   |   |   | (3,418 | ) |
| Goodwill impairment                                                        |   |   | — |   |           |   | — |                |   |   | (34,536      | )      |   |   | (34,536 | ) |
| Income (loss) before income taxes                                          |   | $      | (1,022  | )      |           | $      | 1,767   |                |   | $      | (32,888      | )      |   | $ | (32,143 | ) |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2009                               |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
| Total interest income                                                      |   | $      | 396     |   |           | $      | 23,002  |                |   | $      | 28           |   |   | $ | 23,426 |   |
| Interest expense                                                           |   |   | (130    | )      |           |   | (1,015  | )                   |   |   | —      |   |   |   | (1,145 | ) |
| Net interest margin                                                        |   |   | 266     |   |           |   | 21,987  |                |   |   | 28           |   |   |   | 22,281 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 251     |   |           |   | (6,249  | )                   |   |   | —      |   |   |   | (5,998 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 517     |   |           |   | 15,738  |                |   |   | 28           |   |   |   | 16,283 |   |
| Total other expenses                                                       |   |   | (1,263  | )      |           |   | (8,470  | )                   |   |   | (1,016       | )      |   |   | (10,749 | ) |
| Income (loss) before income taxes                                          |   | $      | (746    | )      |           | $      | 7,268   |                |   | $      | (988         | )      |   | $ | 5,534 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2008                               |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
| Total interest income                                                      |   | $      | 7,639   |   |           | $      | 21,932  |                |   | $      | 11           |   |   | $ | 29,582 |   |
| Interest expense                                                           |   |   | (174    | )      |           |   | (1,914  | )                   |   |   | —      |   |   |   | (2,088 | ) |
| Net interest margin                                                        |   |   | 7,465   |   |           |   | 20,018  |                |   |   | 11           |   |   |   | 27,494 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 843     |   |           |   | (5,750  | )                   |   |   | —      |   |   |   | (4,907 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 8,308   |   |           |   | 14,268  |                |   |   | 11           |   |   |   | 22,587 |   |
| Total other revenues (expenses)                                            |   |   | (11,582 | )      |           |   | (8,445  | )                   |   |   | 8,074        |   |   |   | (11,953 | ) |
| Goodwill impairment                                                        |   |   | — |   |           |   | — |                |   |   | (34,536      | )      |   |   | (34,536 | ) |
| Income (loss) before income taxes                                          |   | $      | (3,274  | )      |           | $      | 5,823   |                |   | $      | (26,451      | )      |   | $ | (23,902 | ) |

----

|   |                |   | September 30, 2009 |    |   | December 31, 2008 |   |
|--------|---------------------|--------|--------------------|---------|--------|-------------------|--------|
|   |                |   |               |    |   |              |   |
|   | Corporate and other |   | $                  | 48,544  |   |              | $      | 51,795 |   |
|   | Coastal Credit      |   |               | 92,771  |   |              |   | 85,408 |   |
|   | UAC                 |   |               | 408     |   |              |   | 1,625 |   |
|   |                |   |               |    |   |              |   |   |   |
|   |                |   | $                  | 141,723 |   |              | $      | 138,828 |   |

|   | 9.   EARNINGS PER SHARE |
|--------|----------------------------------------|

|   |                                                   |   | Quarters Ended September 30, |      |   | Nine Months Ended September 30, |   |
|--------|--------------------------------------------------------|--------|------------------------------|-----------|--------|---------------------------------|--------|
|   |                                                   |   | 2009                         |      |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |
|   | Net income (loss) in thousands                         |   | $                            | 1,259     |   |                            | $      | (20,472 | ) |   | $ | 3,544 |   |   | $ | (15,253 | ) |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Weighted average shares outstanding                    |   |                         | 4,062,129 |   |                            |   | 3,872,610 |   |   |   | 4,056,751 |   |   |   | 3,869,429 |   |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Incremental shares from assumed conversions:           |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Stock award plans                                      |   |                         | 2,462     |   |                            |   | — |   |   |   | 3,288 |   |   |   | — |   |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Weighted average shares and assumed incremental shares |   |                         | 4,064,591 |   |                            |   | 3,872,610 |   |   |   | 4,060,039 |   |   |   | 3,869,429 |   |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Earnings per share:                                    |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Basic                                                  |   | $                            | 0.31      |   |                            | $      | (5.29 | ) |   | $ | 0.87 |   |   | $ | (3.94 | ) |
|   |                                                   |   |                         |      |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Diluted                                                |   | $                            | 0.31      |   |                            | $      | (5.29 | ) |   | $ | 0.87 |   |   | $ | (3.94 | ) |

----

|   | 10.   COMMITMENTS AND CONTIGENCIES |
|--------|---------------------------------------------------|

|   | 11.   SUBSEQUENT EVENTS |
|--------|----------------------------------------|

----

----

----

|   | § | Interest on receivables was $7.9 million and $7.6 million for the quarters ended September 30, 2009 and 2008, respectively. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------|

|   | § | Interest expense decreased $0.2 million to $0.4 million for the quarter ended September 30, 2009 compared to $0.6 million for the quarter ended September 30, 2008. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Impairment to goodwill of $34.5 million was recognized during the quarter ended September 30, 2008. No such impairment occurred during the quarter ended September 30, 2009. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Accretion and other income decreased approximately $889,000 to $42,000 for the quarter ended September 30, 2009 as compared to $931,000 for the same period during 2008. This decline is the result of the decline of accretion income related to accumulated other comprehensive income. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A provision for estimated credit losses of $2.2 million was recognized for the quarter ended September 30, 2009 compared to $2.1 million for the quarter ended September 30, 2008. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Other operating expenses increased to $1.5 million for the quarter ended September 30, 2009 as compared to $1.3 million for the quarter ended September 30, 2008. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | § | A decrease in interest expense for the nine months ended September 30, 2009 of $1.0 million as the result of the reductions of debt and interest rates as compared to the nine months ended September 30, 2008. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Salaries and benefits decreased to $6.1 million for the nine months ended September 30, 2009 as compared to $6.7 million for the nine months ended September 30, 2008. |
|--------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Other operating expenses decreased $0.3 million to $4.7 million for the nine months ended September 30, 2009 as compared to $5.0 million for the nine months ended September 30, 2008. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Impairment to goodwill of $34.5 million was recognized during the nine months ended September 30, 2008. No such impairment occurred during the nine months ended September 30, 2009. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Interest on receivables was $23.1 million and $23.3 million for the nine months ended September 30, 2009 and 2008, respectively.  This decline is the result of the continued liquidation of the UAC receivables, offset by interest earned on a higher average balance of finance receivables – net from Coastal Credit. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | Accretion and other income decreased $6.0 million to $0.3 million for the nine months ended September 30, 2009 as compared to $6.3 million for the same period during 2008. This decline is the result of the decline of accretion income related to accumulated other comprehensive income. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | § | A provision for estimated credit losses of $6.0 million was recognized for the nine months ended September 30, 2009 compared to $4.9 million for the nine months ended September 30, 2008. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| For The Quarter Ended September 30, 2009                                   |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |
| Interest on receivables                                                    |   | $      | 11      |   |           | $      | 7,887   |                |   | $      | —      |   |   | $ | 7,898 |   |
| Accretion and other interest                                               |   |   | 34      |   |           |   | — |                |   |   | 8            |   |   |   | 42 |   |
| Total interest income                                                      |   |   | 45      |   |           |   | 7,887   |                |   |   | 8            |   |   |   | 7,940 |   |
| Interest expense                                                           |   |   | (44     | )      |           |   | (331    | )                   |   |   | —      |   |   |   | (375 | ) |
| Net interest margin                                                        |   |   | 1       |   |           |   | 7,556   |                |   |   | 8            |   |   |   | 7,565 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 65      |   |           |   | (2,249  | )                   |   |   | —      |   |   |   | (2,184 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 66      |   |           |   | 5,307   |                |   |   | 8            |   |   |   | 5,381 |   |
| Total other expenses                                                       |   |   | (141    | )      |           |   | (2,845  | )                   |   |   | (514         | )      |   |   | (3,500 | ) |
| Income (loss) before income taxes                                          |   |   | (75     | )      |           |   | 2,462   |                |   |   | (506         | )      |   |   | 1,881 |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (622         | )      |   |   | (622 | ) |
| Net income (loss)                                                          |   | $      | (75     | )      |           | $      | 2,462   |                |   | $      | (1,128       | )      |   | $ | 1,259 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| For The Quarter Ended September 30, 2008                                   |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest on receivables                                                    |   | $      | 217     |   |           | $      | 7,367   |                |   | $      | —      |   |   | $ | 7,584 |   |
| Accretion and other interest                                               |   |   | 926     |   |           |   | — |                |   |   | 5            |   |   |   | 931 |   |
| Total interest income                                                      |   |   | 1,143   |   |           |   | 7,367   |                |   |   | 5            |   |   |   | 8,515 |   |
| Interest expense                                                           |   |   | (51     | )      |           |   | (564    | )                   |   |   | —      |   |   |   | (615 | ) |
| Net interest margin                                                        |   |   | 1,092   |   |           |   | 6,803   |                |   |   | 5            |   |   |   | 7,900 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 198     |   |           |   | (2,287  | )                   |   |   | —      |   |   |   | (2,089 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 1,290   |   |           |   | 4,516   |                |   |   | 5            |   |   |   | 5,811 |   |
| Total other revenues (expenses)                                            |   |   | (2,312  | )      |           |   | (2,749  | )                   |   |   | 1,643        |   |   |   | (3,418 | ) |
| Goodwill impairment                                                        |   |   | — |   |           |   | — |                |   |   | (34,536      | )      |   |   | (34,536 | ) |
| Income (loss) before income taxes                                          |   |   | (1,022  | )      |           |   | 1,767   |                |   |   | (32,888      | )      |   |   | (32,143 | ) |
| Income tax benefit                                                         |   |   | — |   |           |   | — |                |   |   | 11,671       |   |   |   | 11,671 |   |
| Net income (loss)                                                          |   | $      | (1,022  | )      |           | $      | 1,767   |                |   | $      | (21,217      | )      |   | $ | (20,472 | ) |

----

| For The Nine Months Ended September 30, 2009                               |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|----------------------------------------------------------------------------|--------|--------|---------|--------|----------------|--------|---------|---------------------|--------|--------|--------------|--------|
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest on receivables                                                    |   | $      | 83      |   |           | $      | 23,002  |                |   | $      | —      |   |   | $ | 23,085 |   |
| Accretion and other interest                                               |   |   | 313     |   |           |   | — |                |   |   | 28           |   |   |   | 341 |   |
| Total interest income                                                      |   |   | 396     |   |           |   | 23,002  |                |   |   | 28           |   |   |   | 23,426 |   |
| Interest expense                                                           |   |   | (130    | )      |           |   | (1,015  | )                   |   |   | —      |   |   |   | (1,145 | ) |
| Net interest margin                                                        |   |   | 266     |   |           |   | 21,987  |                |   |   | 28           |   |   |   | 22,281 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 251     |   |           |   | (6,249  | )                   |   |   | —      |   |   |   | (5,998 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 517     |   |           |   | 15,738  |                |   |   | 28           |   |   |   | 16,283 |   |
| Total other expenses                                                       |   |   | (1,263  | )      |           |   | (8,470  | )                   |   |   | (1,016       | )      |   |   | (10,749 | ) |
| Income (loss) before income taxes                                          |   |   | (746    | )      |           |   | 7,268   |                |   |   | (988         | )      |   |   | 5,534 |   |
| Income tax expense                                                         |   |   | — |   |           |   | — |                |   |   | (1,990       | )      |   |   | (1,990 | ) |
| Net income (loss)                                                          |   | $      | (746    | )      |           | $      | 7,268   |                |   | $      | (2,978       | )      |   | $ | 3,544 |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| For The Nine Months Ended September 30, 2008                               |   | UAC    |    |   | Coastal Credit |   |    | Corporate and Other |   |   | Consolidated |   |
|                                                                       |   |   |    |   |           |   |    |                |   |   |         |   |   |   |   |   |
| Interest on receivables                                                    |   | $      | 1,389   |   |           | $      | 21,932  |                |   | $      | —      |   |   | $ | 23,321 |   |
| Accretion and other interest                                               |   |   | 6,250   |   |           |   | — |                |   |   | 11           |   |   |   | 6,261 |   |
| Total interest income                                                      |   |   | 7,639   |   |           |   | 21,932  |                |   |   | 11           |   |   |   | 29,582 |   |
| Interest expense                                                           |   |   | (174    | )      |           |   | (1,914  | )                   |   |   | —      |   |   |   | (2,088 | ) |
| Net interest margin                                                        |   |   | 7,465   |   |           |   | 20,018  |                |   |   | 11           |   |   |   | 27,494 |   |
| Recovery (provision) for estimated credit losses                           |   |   | 843     |   |           |   | (5,750  | )                   |   |   | —      |   |   |   | (4,907 | ) |
| Net interest margin after recovery (provision) for estimated credit losses |   |   | 8,308   |   |           |   | 14,268  |                |   |   | 11           |   |   |   | 22,587 |   |
| Total other revenues (expenses)                                            |   |   | (11,582 | )      |           |   | (8,445  | )                   |   |   | 8,074        |   |   |   | (11,953 | ) |
| Goodwill impairment                                                        |   |   | — |   |           |   | — |                |   |   | (34,536      | )      |   |   | (34,536 | ) |
| Income (loss) before income taxes                                          |   |   | (3,274  | )      |           |   | 5,823   |                |   |   | (26,451      | )      |   |   | (23,902 | ) |
| Income tax benefit                                                         |   |   | — |   |           |   | — |                |   |   | 8,649        |   |   |   | 8,649 |   |
| Net income (loss)                                                          |   | $      | (3,274  | )      |           | $      | 5,823   |                |   | $      | (17,802      | )      |   | $ | (15,253 | ) |

----

|   |                                                               |   | Quarters Ended September 30, |   |
|--------|--------------------------------------------------------------------|--------|------------------------------|--------|
|   |                                                               |   | 2009                         |   |   | 2008 |   |
|   |                                                               |   |                         |   |   |   |   |
|   | UAC discount accretion from accumulated other comprehensive income |   | $                            | 34     |   |   | $ | 923 |   |
|   | Interest on cash balances                                          |   |                         | 8      |   |   |   | 8 |   |
|   |                                                               |   |                         |   |   |   |   |   |   |
|   | Accretion and other interest income                                |   | $                            | 42     |   |   | $ | 931 |   |

----

|   |                                                               |   | Nine Months Ended September 30, |   |
|--------|--------------------------------------------------------------------|--------|---------------------------------|--------|
|   |                                                               |   | 2009                            |   |   | 2008 |   |
|   |                                                               |   |                            |   |   |   |   |
|   | UAC discount accretion from accumulated other comprehensive income |   | $                               | 313    |   |   | $ | 6,231 |   |
|   | Interest on cash balances                                          |   |                            | 28     |   |   |   | 30 |   |
|   |                                                               |   |                            |   |   |   |   |   |   |
|   | Accretion and other interest income                                |   | $                               | 341    |   |   | $ | 6,261 |   |

----

----

----

----

|   |                                |   | September 30, 2009 |    | December 31, 2008 |
|--------|-------------------------------------|--------|--------------------|---------|-------------------|
|   |                                |   | $                  |    |              |   | % |   | $ |   |   |   | % |
|   |                                |   |               |    |              |   |   |   |   |   |   |   |   |
|   | Finance receivables - gross balance |   | $                  | 112,692 |              |   |   |   |   | $ | 104,599 |   |   |   |   |
|   |                                |   |               |    |              |   |   |   |   |   |   |   |   |   |   |
|   | Delinquencies:                      |   |               |    |              |   |   |   |   |   |   |   |   |   |   |
|   | 30-59 days                          |   | $                  | 1,357   |              |   |   | 1.2% |   | $ | 1,452 |   |   |   | 1.4% |
|   | 60-89 days                          |   |               | 1,070   |              |   |   | 0.9% |   |   | 1,269 |   |   |   | 1.2% |
|   | 90+ days                            |   |               | 1,931   |              |   |   | 1.7% |   |   | 1,943 |   |   |   | 1.9% |
|   | Total delinquencies                 |   | $                  | 4,358   |              |   |   | 3.9% |   | $ | 4,664 |   |   |   | 4.5% |

----

|                                                                                            |   | Quarters Ended September 30, |    |   | Nine Months Ended September 30, |   |
|-------------------------------------------------------------------------------------------------|--------|------------------------------|---------|--------|---------------------------------|--------|
|                                                                                            |   | 2009                         |    |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at beginning of period                                                                  |   | $                            | 7,860   |   |                            | $      | 6,935 |   |   | $ | 7,560 |   |   | $ | 6,810 |   |
| Charge-offs, net of recoveries                                                                  |   |                         | (2,099  | )      |                            |   | (1,987 | ) |   |   | (5,799 | ) |   |   | (5,325 | ) |
| Provision for estimated credit losses                                                           |   |                         | 2,249   |   |                            |   | 2,287 |   |   |   | 6,249 |   |   |   | 5,750 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Balance at the end of the period                                                                |   | $                            | 8,010   |   |                            | $      | 7,235 |   |   | $ | 8,010 |   |   | $ | 7,235 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Finance receivables, net of unearned finance charges                                            |   | $                            | 110,218 |   |                            | $      | 100,041 |   |   | $ | 110,218 |   |   | $ | 100,041 |   |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of finance receivables, net of unearned finance charges  |   |                         | 7.27    | %      |                            |   | 7.23 | % |   |   | 7.27 | % |   |   | 7.23 | % |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Annualized net charge-offs as a percent of finance receivables, net of unearned finance charges |   |                         | 7.62    | %      |                            |   | 7.94 | % |   |   | 7.02 | % |   |   | 7.10 | % |
|                                                                                            |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
| Allowance for loan losses as a percent of annualized net charge-offs                            |   |                         | 95.40   | %      |                            |   | 91.03 | % |   |   | 103.60 | % |   |   | 101.90 | % |

|   |                                  |   | September 30, 2009 |   | December 31, 2008 |
|--------|---------------------------------------|--------|--------------------|--------|-------------------|
|   |                                  |   | $                  |   |              |   | % |   | $ |   |   |   | % |
|   |                                  |   |               |   |              |   |   |   |   |   |   |   |   |
|   | Finance receivables principal balance |   | $                  | 139    |              |   |   |   |   | $ | 1,103 |   |   |   |   |
|   |                                  |   |               |   |              |   |   |   |   |   |   |   |   |   |   |
|   | Delinquencies:                        |   |               |   |              |   |   |   |   |   |   |   |   |   |   |
|   | 30-59 days                            |   | $                  | 22     |              |   |   | 15.8% |   | $ | 195 |   |   |   | 17.7% |
|   | 60-89 days                            |   |               | 13     |              |   |   | 9.4% |   |   | 76 |   |   |   | 6.9% |
|   | 90+ days                              |   |               | 8      |              |   |   | 5.8% |   |   | 22 |   |   |   | 2.0% |
|   | Total delinquencies                   |   | $                  | 43     |              |   |   | 30.9% |   | $ | 293 |   |   |   | 26.6% |

----

|   |                                                          |   | Quarters Ended September 30, |    |   | Nine Months Ended September 30, |   |
|--------|---------------------------------------------------------------|--------|------------------------------|---------|--------|---------------------------------|--------|
|   |                                                          |   | 2009                         |    |   | 2008                            |   |   | 2009 |   |   | 2008 |   |
|   |                                                          |   |                         |    |   |                            |   |   |   |   |   |   |   |
|   | Balance at the beginning of period                            |   | $                            | — |   |                            | $      | 10 |   |   | $ | 7 |   |   | $ | 222 |   |
|   | Charge-offs                                                   |   |                         | (29     | )      |                            |   | (113 | ) |   |   | (114 | ) |   |   | (613 | ) |
|   | Recoveries                                                    |   |                         | 94      |   |                            |   | 309 |   |   |   | 358 |   |   |   | 1,242 |   |
|   | Recovery for estimated credit losses                          |   |                         | (65     | )      |                            |   | (198 | ) |   |   | (251 | ) |   |   | (843 | ) |
|   |                                                          |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Balance at the end of the period                              |   | $                            | — |   |                            | $      | 8 |   |   | $ | — |   |   | $ | 8 |   |
|   |                                                          |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Net charge-offs (recoveries)                                  |   | $                            | (65     | )      |                            | $      | (196 | ) |   | $ | (244 | ) |   | $ | (629 | ) |
|   | Finance receivables                                           |   | $                            | 139     |   |                            | $      | 2,235 |   |   | $ | 139 |   |   | $ | 2,235 |   |
|   |                                                          |   |                         |    |   |                            |   |   |   |   |   |   |   |   |   |   |   |
|   | Allowance for loan losses as a percent of finance receivables |   |                         | 0.00    | %      |                            |   | 0.36 | % |   |   | 0.00 | % |   |   | 0.36 | % |

|   | · | Coastal Credit is not dependent on the securitization market for financing. |
|--------|--------|-----------------------------------------------------------------------------|

|   | · | At September 30, 2009, there was $40.1 million available, in excess of the amount utilized, from the line of credit, which does not expire until December 2011. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | White River is very well capitalized with an equity to asset ratio of 70.2% as of September 30, 2009. |
|--------|--------|-------------------------------------------------------------------------------------------------------|

----

|   | · | the risks and uncertainties discussed in White River’s Annual Report on Form 10-K; |
|--------|--------|------------------------------------------------------------------------------------------|

|   | · | general economic, market, or business conditions; |
|--------|--------|---------------------------------------------------|

|   | · | changes in economic variables, such as the availability of business and consumer credit, conditions in the housing market, energy costs, the number and size of personal bankruptcy filings, the rate of unemployment and the levels of consumer confidence and consumer debt; |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in interest rates, the cost of funds, and demand for White River’s financial services; |
|--------|--------|------------------------------------------------------------------------------------------------------|

|   | · | the level and volatility of equity prices, commodity prices, currency values, investments, and other market fluctuations and other market indices; |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in White River’s competitive position; |
|--------|--------|------------------------------------------------------|

|   | · | White River’s ability to manage growth; |
|--------|--------|-----------------------------------------------|

|   | · | the opportunities that may be presented to and pursued by White River; |
|--------|--------|------------------------------------------------------------------------|

|   | · | competitive actions by other companies; |
|--------|--------|-----------------------------------------|

|   | · | changes in laws or regulations, including the impact of current, pending and future legislation and regulation, including the impact of recently enacted federal economic and financial markets recovery legislation and potential comprehensive financial system regulatory reform legislation: |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | changes in the policies of federal or state regulators and agencies, and |
|--------|--------|--------------------------------------------------------------------------|

|   | · | other circumstances, many of which are beyond White River’s control. |
|--------|--------|----------------------------------------------------------------------------|

----

----

----

| No.    |   | Description                                                                                                                                                                                                                |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |   |                                                                                                                                                                                                                       |
| 10.1   |   | Release, Satisfaction, and Waiver Agreement dated August 31, 2009 between White River Capital, Inc. and Mark R. Ruh (incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed September 4, 2009) |
|   |   |                                                                                                                                                                                                                       |
| 31.1   |   | CEO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                                                                                                                              |
|   |   |                                                                                                                                                                                                                       |
| 31.2   |   | CFO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                                                                                                                              |
|   |   |                                                                                                                                                                                                                       |
| 32     |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002                                                                                                     |

----

|              |                      |                                                                     |
|-------------------|---------------------------|--------------------------------------------------------------------------|
|              | White River Capital, Inc. |
|              | (Registrant)              |
|              |                      |                                                                     |
| November 12, 2009 | By:                       | /s/ Martin J. Szumski                                                    |
|              |                      | Martin J. Szumski                                                        |
|              |                      | Chief Financial Officer                                                  |
|              |                      | (Signing on behalf of the registrant and as Principal Financial Officer) |

----

| No.    |         | Description                                                                                                            |         | Location                                                                                              |
|--------|--------------|------------------------------------------------------------------------------------------------------------------------|--------------|-------------------------------------------------------------------------------------------------------|
|   |         |                                                                                                                   |         |                                                                                                  |
| 10.1   |         | Release, Satisfaction, and Waiver Agreement dated August 31, 2009 between White River Capital, Inc. and Mark R. Ruh    |         | Incorporated by reference to Exhibit 99.1 of the registrant’s Form 8-K filed September 4, 2009. |
|   |         |                                                                                                                   |         |                                                                                                  |
| 31.1   |    | CEO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |    | Attached                                                                                              |
|   |         |                                                                                                                   |         |                                                                                                  |
| 31.2   |         | CFO Certification required by 17 C.F.R. Section 240.13a-14(a)                                                          |         | Attached                                                                                              |
|   |         |                                                                                                                   |         |                                                                                                  |
| 32     |         | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 |         | Attached                                                                                              |