X0202 4 2005-05-03 0000052617 IRWIN FINANCIAL CORP IFC 0001160683 KIME BRADLEY J IRWIN FINANCIAL CORPORATION 500 WASHINGTON STREET COLUMBUS IN 47201 0 1 0 0 President of Subsidiary COMMON STOCK 2140 D NON-QUALIFIED STOCK OPTION (RIGHT TO BUY) 20.47 2005-05-03 4 A 0 7000 0 A 2015-05-02 COMMON STOCK 7000 7000 D Includes 6 additional shares acquired on 3/25/2005 through participation in the Irwin Financial Corporation Dividend Reinvestment and Common Stock Purchase Plan. The Plan provides for the purchase of fractional shares. The number reported is the nearest whole number of shares. Between 1/1/05 and 4/21/05, the reporting person acquired 43 shares of Irwin Financial Corporation common stock under the Irwin Financial Corporation Employees' Stock Purchase Plan III (Plan) including shares acquired pursuant to a dividend reinvestment feature of the Plan. The Plan provides for the purchase of fractional shares. The number reported is the nearest whole number. The Plan provides for phased-in vesting of rights to exercise granted stock options. In the year of the grant, optionee may exercise 25% of total options granted. In each of the three years immediately following the year of the grant, optionee may exercise an additional 25% of the options granted. Grant of option was made to reporting person in transaction exempt under Rule 16b-3. By: /s/ Ellen Z. Mufson, Attorney-in-Fact for Bradley J. Kime 2005-05-05