Irwin Financial Corporation is a bank holding company, which focuses primarily on the extension of credit to small businesses and consumers, as well as providing the ongoing servicing of those customer accounts. Through its direct and indirect subsidiaries, the Company operates three major lines of business: commercial banking, commercial finance, and home equity. Irwin Financial’s direct and indirect major subsidiaries include Irwin Union Bank and Trust Company, a commercial bank, which together with Irwin Union Bank, F.S.B., a federal savings bank, conducts its commercial banking activities; Irwin Commercial Finance Corporation, a commercial finance subsidiary, and Irwin Home Equity Corporation, a consumer home equity company.