A trusted partner helping our clients improve the way they do business.

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A trusted partner helping our clients improve the way they do business.

Coastal Outsourced Solutions is a Credit Union Service Organization (CUSO) and wholly owned subsidiary of First Citizens Federal Credit Union. As a trusted single source partner, we assist in providing a broad suite of support solutions to small and midsized financial institutions affected by margin compression along with new and/or changing regulations and technologies. Based in New England, our staff takes pride in the many relationships we have established in the industry and can provide high quality service to your customers. We ve perfected processes with back-office and support functions and leverage these processes, along with technology and our people to improve the way our clients do business. What Impacts You, Impacts Us!

LOAN SERVICING Reducing risk and managing costs in an increasingly changing environment can be critical. Using Coastal Outsourced Solutions allows you to deliver lending services to your customers while enhancing the customer experience and taking the worry out of operations and risk. Our services include: All-in or component based mortgage & consumer loan servicing Investor accounting & reporting Monthly statements Fully compliant & proficient Highly accomplished loan servicing leadership team with decades of experience Inbound/Outbound service center Full Escrow Tracking Loan boarding (bulk or flow) White label & private label solutions LOAN SERVICING

MORE THAN AN OUTSOURCED SERVICE PROVIDER We have the capacity to serve our clients at many levels of their organization. We take the time to understand each client s unique business environment then tailor our approach accordingly. We don t settle for out of the box or off the shelf solutions. We add tangible value to all our solutions: Process improvement Improved performance metrics Improved customer experience Cost Savings We form long term partnerships and build sustainable solutions. We empower our clients to do more of what they do best.

DEFAULT SERVICING Streamline Default Management (For Mortgage and Consumer Loans) with Coastal Outsourced Solutions and eliminate errors and reduce costs. Our Default Management and Component Based Default Management includes: Early Stage Collections Late Stage Collections Customized Third Party Software with collection automation and asset recovery MORTGAGE Loss Mitigation/Asset Preservation Loan Modifications Short Sale Deed in Lieu of Foreclosure Foreclosure Management Bankruptcy Management REO Management CONSUMER Skip/Damage Claim Processing Repossession Management Remarketing VSI Servicing Total Loss Claim Processing Letter of Guarantee Reimbursable Item Recapture DEFAULT SERVICING

AREAS OF EXCELLENCE Loan Servicing Delinquency Managment/Collections Indirect Auto Lending Solutions Commercial Lending & Servicing Solutions Human Resource & Training Solutions Participation Loan Investment Opportunities Electronic Bill Presentation & Payment Solution

INDIRECT AUTO LENDING SOLUTIONS We guide our clients through the indirect lending landscape to create a beneficial program for their institution. Make your lending operation more flexible and maximize the lending experience. We offer Indirect Auto Lending Solutions with full turnkey outsourcing that includes: Dealer Network Development Dealer Management Marketing and Program Design Non-Prime/Sub-Prime Programs Real Time Analytics & Metrics Risk Management Expert Loan Origination / Underwriting Funding Lien Perfection & Vehicle Title Tracking Compliance Management INDIRECT LENDING

How can we help you? To discuss how our team can help your institution, please contact; Jack Sullivan 200 Mill Road Suite 100 Fairhaven, MA 02719 (774) 628 7846 jack.sullivan@coastaloutsourcedsolutions.com