0000052617-05-000204 Sample Contracts

AMENDMENT NO. 2 TO DEFERRED COMPENSATION AGREEMENT
Deferred Compensation Agreement • November 18th, 2005 • Irwin Financial Corp • State commercial banks • Indiana

THIS AMENDMENT NO. 2 TO DEFERRED COMPENSATION AGREEMENT (this "Amendment No. 2") is entered into as of the 15th day of November, 2005 by and among IRWIN HOME EQUITY CORPORATION (the "Corporation"), IRWIN FINANCIAL CORPORATION ("Irwin Financial") and ELENA DELGADO ("Delgado") for the purpose of amending that certain Deferred Compensation Agreement among the parties hereto as of December 22, 2004, and previously amended on April 7, 2005 (the "Agreement"). Capitalized terms not otherwise defined herein have the same meanings as specified in the Agreement or that certain Shareholder Agreement among the parties dated as of October 8, 1996, as amended and restated as of December 22, 2004 (the "Shareholder Agreement").

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Election to Terminate Deferred Compensation Agreement
Deferred Compensation Agreement • November 18th, 2005 • Irwin Financial Corp • State commercial banks

Effective as of the close of business on November 15, 2005, I, Elena Delgado, hereby elect to terminate my participation in the Deferred Compensation Agreement (the "Agreement") that I entered into as of December 22, 2004 and amended as of April 7, 2005 with Irwin Home Equity Corporation and Irwin Financial Corporation. This election is intended to comply with the provisions of IRS Notice 2005-1, Q&A -20 and the Agreement.

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