IFC Letterhead] December 22, 2004Irwin Financial Corp • March 9th, 2005 • State commercial banks • Indiana
This letter sets forth the agreement (“Agreement”) between Irwin Financial Corporation (“Irwin Financial”) and you (the “Shareholder”) with respect to certain federal and state income tax issues related to certain of the Shareholder’s rights under that certain Shareholder Agreement dated July 31, 1999, as amended (the “Shareholder Agreement”), by and among Irwin Home Equity Corporation (“IHE”), Irwin Financial and the Shareholder. Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Shareholder Agreement.
AMENDMENT AND RESTATEMENT OF SHAREHOLDER AGREEMENTShareholder Agreement • March 9th, 2005 • Irwin Financial Corp • State commercial banks • Indiana
THIS AMENDMENT AND RESTATEMENT OF SHAREHOLDER AGREEMENT (this “Amendment and Restatement”) is entered into as of the 22nd day of December, 2004 by and among IRWIN HOME EQUITY CORPORATION (the “Corporation”), IRWIN FINANCIAL CORPORATION (“Irwin Financial”) and ELENA DELGADO (“Delgado”) for the purpose of amending and restating that certain Shareholder Agreement among the parties hereto dated as of October 8, 1996, as amended (the “Shareholder Agreement”).
DEFERRED COMPENSATION AGREEMENTDeferred Compensation Agreement • March 9th, 2005 • Irwin Financial Corp • State commercial banks • Indiana
THIS DEFERRED COMPENSATION AGREEMENT (the “Agreement”) is entered into as of the 22nd day of December, 2004, among IRWIN HOME EQUITY CORPORATION (the “Corporation”), IRWIN FINANCIAL CORPORATION (“Irwin Financial”) and ELENA DELGADO (“Delgado”).
IFC Letterhead] December 22, 2004Irwin Financial Corp • March 9th, 2005 • State commercial banks • Indiana
This letter sets forth the agreement (“Agreement”) among Irwin Financial Corporation (“Irwin Financial”), Irwin Home Equity Corporation (“IHE”) and you (the “Shareholder”) with respect to the redemption of 1.36 of your shares of common stock (“Shares”) of IHE in connection with the repayment of your loan from Irwin Financial in the amount of $1.025 million, which will mature on January 29, 2005, together with accrued interest thereon (the “Shareholder Indebtedness”). Terms used but not otherwise defined herein have the meanings ascribed to them in that certain Shareholder Agreement dated October 8, 1996, as amended and restated (the “Shareholder Agreement”), by and among IHE, Irwin Financial and the Shareholder.
