Terms of Use for Irwin Bank & Trust company

12 May 2008

TERMS AND CONDITIONS

The materials contained at our web site are provided as a service to our customers and visitors. Irwin Bank requires that all visitors to the site adhere to the following terms and conditions. By accessing the site and any of its pages, you indicate your acknowledgement and acceptance of the terms and conditions set forth below and any modifications by Irwin Bank from time to time posted to this web site without limitation or qualification. You are responsible for regularly reviewing these terms and conditions. Your continued use of the web site shall constitute your acceptance of such modifications. For purposes of these terms and conditions, reference to Irwin Bank include its affiliate as applicable.

LAWS AND REGULATIONS

User access to and use of the site is subject to all applicable Federal, State, and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under Federal and State laws. The interpretation and enforcement of these Terms and Conditions will be governed by the laws of the State of Pennsylvania and all applicable Federal laws.

NO WARRANTIES

Information on the site is provided "as is" without any warranty of any kind, either express or implied, including but not limited to the implied warranties of Merchantability, Fitness for a particular purpose, and Non-Infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We expressly disclaim any liability for errors and omissions regarding the information and materials contained in the web site. Irwin Bank also make no representations, endorsements, or warranties whether express or implied with respect to any web site operated by a third party.

LIMITATION OF LIABILITY

In no event shall Irwin Bank or its affiliate be liable for any punitive, special, direct, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data, or profits, without regard to the form of any action, including but not limited to contract and tort actions (including libel), arising out of or in connection with the use, copying or display of, or the interaction or any other form of communication with, the site and the information contained at the site, including via computer viruses or any other form of software, even if Irwin Bank is aware of the possibility of such damages.

LINKS TO OTHER INTERNET WEB SITES

Irwin Bank may establish links between this web site and one or more web sites operated by third parties. Irwin Bank has no control over any such other web sites or its contents, they are exclusively controlled by third parties. Such a link is not an authorization, endorsement, sponsorship or affiliation by Irwin Bank with respect to such web site, its owners or its providers.

In no event will Irwin Bank be liable to any party for any direct, indirect, special or other consequential damages for any use of any hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damage.

COPYRIGHT AND TRADEMARK INFORMATION

Copyright of the pages and the screens displaying the pages, and the information and material therein, unless otherwise indicated are the sole and exclusive property of Irwin Bank and its affiliate. Nothing contained at the site shall be construed as granting by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright or proprietary rights of Irwin Bank or any third party. The display of trademarks herein does not imply that a license of any kind has been granted. Contents of this web site are protected by United States copyright and/or trademark laws and any downloading, re-transmission, or other copying or modification of the trademarks and/or the contents may be a violation of Federal law.

The site may include other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the site are the copyright or trademark of third parties and any use is subject to Terms and Conditions of such third parties

DISCLOSURE/MARKETING

Offerings by Irwin Bank or companies not affiliated with Irwin Bank may be for investment and insurance products, such products and services are neither FDIC INSURED or BANK GUARANTEED. Non-affiliated companies will be solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. Irwin Bank does not legally endorse or guarantee products or services provided by non-affiliated companies.

SECURITY/TRANSMISSION TO AND FROM THIS WEB SITE

Please be aware we realize E-Mail is an important communication channel for our web site visitors. We welcome your E-Mail correspondence. However, internet and E-Mail communications to and from this site are not sent in a secure form and can be intercepted by third parties. Please no not use E-Mail to send us communications which contain personal account information, which we require to be in writing or which need our immediate attention.