White River Capital, Inc. (White River) is a financial services holding with two principal operating subsidiaries: Coastal Credit LLC (Coastal Credit) and Union Acceptance Company LLC (UAC). Coastal Credit LLC (Coastal Credit) is a specialized subprime auto finance company engaged in acquiring subprime auto receivables from both franchised and independent automobile dealers, which have entered into contracts with purchasers of used, but some new, cars and light trucks. Coastal Credit then services the receivables it acquires. Union Acceptance Company LLC (UAC) is a specialized auto finance company, which holds and oversees its portfolio of non-prime auto receivables.