Exhibit 4.8
AGREEMENT TO FURNISH LONG-TERM DEBT INSTRUMENTS
Coastal Credit, L.L.C., which will become a subsidiary of White River
Capital, Inc., the registrant, upon completion of the transactions described in
the registration statement, has issued Subordinated Debentures in the aggregate
amount of $3.7 million to various purchasers. The Subordinated Debentures mature
in March 2007 and bear interest at 11-1/8% or 12%, as applicable. In accordance
with Item 601(b)(4)(iii)(A) of Regulation S-K (17 CFR 229.601(b)(4)(iii)(A)),
the registrant hereby undertakes and agrees to furnish to the Commission upon
request a copy of the Subordinated Debentures, which are not filed as exhibits
to this registration statement because the debt evidenced by those instruments
has not been and is not being registered and because the total amount of
securities authorized under those instruments does not exceed 10% of the total
assets of the registrant and its subsidiaries on a consolidated basis (giving
effect to the transactions described in the registration statement).