PremierEquity products are offered by Irwin Union Bank and Irwin Home Equity. Irwin Union Bank and Irwin Home Equity are part of the Irwin Financial Corporation with a 130-year tradition of financial excellence. Irwin companies originated over $12 billion in mortgages in 2002, and serve the needs of more than 200,000 homeowners nationwide. We offer a wide variety of mortgage products ranging from fixed rate equity loans, flexible lines of credit to first mortgages, all of which are customized to each borrower's unique needs and qualifications. One of the driving forces behind the Irwin companies is our mission, which we integrate into our daily behavior and business practices.

Irwin's mission is to be the best financial services company, through ethics and excellence, today and tomorrow.

Irwin Union Bank and Trust Company and Irwin Home Equity are not licensed or authorized to do business in all states. The states in which we, or an affiliate, can assist you with a credit request are: AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MO, NJ, NV, NY, NH, OH, OR, PA, RI, SC, UT, VA, WA, and WI. Credit will be offered by Irwin Union Bank and Trust Company, an Indiana banking corporation, located at 1717 E. College Parkway, Suite 101, Carson City, NV 89706; this could affect the availability of funds. Irwin Home Equity is located at 12677 Alcosta Blvd., Suite 500, San Ramon, CA 94583.