Irwin Bank and Trust
  9 May 2008

FDIC insured

equal housing lender

Irwin Bank
Rate Tables

Rates updated as of 05/09/2008
Subject to change without notice.

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Checking

Product Name Rate APY*
Maximum Checking: Minimum initial deposit to open account is $50.00
 Balances between $0.01 and $4.999.99 0.500% 0.500%
 Balances between $5,000 and $9,999.99 0.500% 0.500%
 Balances over $10,000 0.500% 0.500%
Silver Rewards Checking: Minimum initial deposit to open account is $50.00
 Balances between $500 and $2499.99 0.250% 0.250%
 Balances over $2,500 0.250% 0.250%
**MAXimum Money Market: Minimum initial deposit to open account is $1,000.00
 Balances between $0.01 and $4.999.99 0.500% 0.500%
 Balances between $5,000 and $19,999.99 1.000% 1.000%
 Balances between $20,000 and $49,999.99 1.250% 1.250%
 Balances over $50,000 1.500% 1.500%
Extra Checking: Minimum initial deposit to open account is $50.00
 Balances over $500 0.000% 0.250%
Now: Minimum initial deposit to open account is $500.00
 Balances between $0.01 and $999.99 0.250% 0.250%
 Balances between $1,000 and $2,499.99 0.250% 0.250%
 Balances over $2,500 0.250% 0.250%
Security Checking: Minimum initial deposit to open account is $50.00
 Balances over $500 0.250% 0.250%
IBMA - Personal: Minimum initial deposit to open account is $1,000.00
 Balances between $0.01 and $999.99 0.500% 0.500%
 Balances between $1,000 and $2,499.99 0.500% 0.500%
 Balances between $2,500 and $9,999.99 0.750% 0.750%
 Balances between $10,000 and $24,999.99 0.750% 0.750%
 Balances over $25,000 1.000% 1.000%
IBMA - Business: Minimum initial deposit to open account is $1,000.00
 Balances between $0.01 and $999.99 0.500% 0.500%
 Balances between $1,000 and $2,499.99 0.500% 0.500%
 Balances between $2,500 and $9,999.99 0.750% 0.750%
 Balances between $10,000 and $24,999.99 0.750% 0.750%
 Balances over $25,000 1.000% 1.000%
**IBMA - Gold: Minimum initial deposit to open account is $15,000.00
 Balances between $15,000 and $49,999.99 1.250% 1.250%
 Balances between $50,000 and $99,999.99 1.500% 1.500%
 Balances over $100,000 1.500% 1.500%

* Annual Percentage Yield
**The product has been discontinued effective February 11, 2008
# We will pay disclosed APY on all balances in the account
Fees could reduce earnings

Savings

Product Name Rate APY* Compounding
Frequency		 Minimum
Deposit
Statement
  0.250% 0.250% Monthly $25.00
Passbook
  0.250% 0.250% Semi-annual $25.00
IRA Variable Passbook
  1.420% 1.420% Semi-annual $100.00
Christmas Club Payout Date  
 Transfer 1.000% 1.000% 10/6/2006 $5.00
 Coupon 1.000% 1.000% 10/6/2006 $5.00

* Annual Percentage Yield
# We will pay disclosed APY on all balances in the account
Fees could reduce earnings

Certificates of Deposit

Product Name Rate APY* Minimum
Deposit**		 Compounding
Frequency
 182 Days  1.740%  1.750%  $1,000.00   At Maturity
 10 Months Quick Cash  1.600%  1.600%  $2,500.00   At Maturity
 12 Month  1.750%  1.750%  $1,000.00  Annual
 18 Month  1.750%  1.750%  $1,000.00  Annual
 24 Month Special  2.250%  2.250%  $1,000.00  Annual
 30 Months  1.750%  1.750%  $1,000.00  Annual
 36 Month  2.000%  2.000%  $1,000.00  Annual
 48 Month  2.500%  2.500%  $1,000.00  Annual
 60 Month  2.750%  2.750%  $1,000.00  Annual
 120 Month  3.000%  3.000%  $1,000.00  Annual

* Annual Percentage Yield
Penalty for Early Withdrawal
**Minimum balance required to open these accounts and obtain stated APY

Individual Retirement Accounts

(Traditional, ROTH & Educational)

Product Name Rate APY* Minimum
Deposit**		 Compounding
Frequency
 182 Days  1.740%  1.750%  $1,000.00   At Maturity
 10 Months Quick Cash  1.600%  1.600%  $2,500.00   At Maturity
 12 Month  1.750%  1.750%  $1,000.00  Annual
 18 Month  1.750%  1.750%  $1,000.00  Annual
 24 Month Special  2.250%  2.250%  $1,000.00  Annual
 30 Months  1.750%  1.750%  $1,000.00  Annual
 36 Month  2.000%  2.000%  $1,000.00  Annual
 48 Month  2.500%  2.500%  $1,000.00  Annual
 60 Month  2.750%  2.750%  $1,000.00  Annual
 120 Month  3.000%  3.000%  $1,000.00  Annual

* Annual Percentage Yield
Penalty for Early Withdrawal
**Minimum balance required to open these accounts and obtain stated APY

Home Equity Loans

Product Name and Term APR*
$5,000 through $49,000		 APR*
$50,000 and up		 With Automatic Payment and First Lien Position
APR*
$5,000 through $49,000		 APR*
$50,000 and up
 0 to 36 Months  6.500%  6.250%  6.000%  5.750%
 37 to 60 Months  6.500%  6.250%  6.000%  5.750%
 61 to 120 Months  6.650%  6.350%  6.150%  5.850%
 121 to 180 Months  6.650%  6.350%  6.150%  5.850%
 181 to 240 Months  7.250%  7.000%  6.750%  6.500%

*Annual Percentage Rate. Rate discount of .50 applies for automatic payment from an Irwin Bank Checking Account or Statement Savings Account. Rates are for owner occupied dwellings. No closing closts for owner occupied loan requests of $50,000 through $250,000.
Some restrictions may apply.

Home Equity Line of Credit (Variable Rate)

Product Name and Term APR APR with
Automatic Payment
 Prime**  5.250%  4.990%
 Standard  5.450%  5.450%

**Rate discount applies for automatic payment from an Irwin Bank Checking Account or Statement Savings Account. Discounted rates apply to credit lines of $20,000 or more. Rates presented are for owner occupied dwellings and loan amount of $5,000 or more.

Mortgage Loans

Product Name Points Rate APR++
 Conventional (1 to 4 family - owner occupied)
 15 Year  0  5.375%  5.559%
 30 Year  0  5.750%  5.861%
 FHA (1 to 4 family - owner occupied)
 15 Year  1  5.500%  5.656%
 30 Year  1  5.750%  5.843%
 PHFA Conventional, First Time Buyer Program (1 to 4 family - owner occupied)
 30 Year  0  6.000%  6.041%
   1  5.875%  6.038%

++For a $100,000 loan at an APR of 5.936% for 15 years, the payment would be $8.40 per $1,000. Rates are based on $100,000 loan amount and 0 days interest with the following assumptions: This is your primary residence, the home is an existing single family residence, your interest rate would be locked for 60 days, you will escrow for taxes and insurance, and you have an excellent credit history. If any of these assumptions do not apply to your situation, your rate may be different than those quoted. Rates are subject to change without notice. Subject to credit approval.