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                                                                   EXHIBIT 10.29

                            ONSET CAPITAL CORPORATION
                        CORPORATION DE FINANCEMENT ONSET

                             SHAREHOLDERS AGREEMENT

         THIS SHAREHOLDERS AGREEMENT (the "Agreement") is entered into as of the
1st day of November, 2002, among ONSET CAPITAL CORPORATION/CORPORATION DE
FINANCEMENT ONSET ("Onset"), IRWIN INTERNATIONAL CORPORATION ("IIC") and ONSET
HOLDINGS INC. ("OHI").

         3W1E HOLDINGS INC. ("3W1E"), JOE LALEGGIA ("LaLeggia"), MARK CANNON
("Cannon"), LUIGI SPIZZIRRI ("Spizzirri"), ROBERT MORMINA ("Mormina") and ROBERT
MURPHY ("Murphy") also join as parties to this Agreement for purposes of
acknowledging and confirming the Recitals hereof and of agreeing to Sections 4.1
and 6.1 hereof.

                                    RECITALS

A.       Onset was incorporated under the laws of Canada on February 10, 1998
and continued under the laws of the Yukon Territory on July 26, 1999.

B.       The authorized capital stock of Onset consists of an unlimited number
of common shares, without par value ("Common Shares") and an unlimited number of
preferred shares without par value ("Preferred Shares").

C.       IIC is the holder of 81 Common Shares and all of the outstanding
Preferred Shares in the capital of Onset.

D.       OHI is the holder of 23 Common Shares in the capital of Onset.

E.       LaLeggia, Cannon, Mormina and Spizzirri own all of the issued and
outstanding shares of 3W1E.

F.       3W1E and Murphy own all of the issued and outstanding shares of OHI,
which constitute all of the issued and outstanding equity securities of OHI
other than options for an additional 100,000 common shares of OHI held by
Michelle Monteith.

G.       Under that certain agreement dated as of May, 1998, among LaLeggia,
Cannon, Mormina, Spizzirri and 3W1E (as amended through the date hereof, the
"3W1E Shareholder Agreement"), 3W1E is required to repurchase all of the shares
of its capital stock (i) held by LaLeggia if he ceases to be employed by Onset,
and (ii) held by each of Cannon, Mormina and Spizzirri that the other 3W1E
shareholders do not agree to purchase if any of them ceases to be employed by
Onset.

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H.       Under that certain agreement dated as of June 8, 1999, among 3W1E,
Murphy and OHI (as amended through the date hereof, the "OHI Shareholder
Agreement"), OHI is required to repurchase all of the shares of its capital
stock held by Murphy that 3W1E does not agree to purchase if Murphy ceases to be
employed by Onset.

I.       This Agreement is itself a unanimous shareholders agreement and amends
other unanimous shareholder agreements (i.e., the 3W1E Shareholder Agreement and
the OHI Shareholder Agreement). Copies of the 3W1E Shareholder Agreement and the
OHI Shareholder Agreement, in each case as amended through the date hereof, are
attached hereto as EXHIBITS A and B, respectively.

J..      The parties desire to set forth their agreement regarding certain terms
and conditions in relation to the operation of Onset and their ownership of the
Common Shares.

         NOW, THEREFORE, in consideration of the foregoing and for other good
and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

                                    AGREEMENT

1.       DEFINITIONS

In this Agreement:

         (a)      "Affiliate" means, with respect to a specified Person:

                  (i)      a Person that is directly or indirectly Controlled by
                  the specified Person;

                  (ii)     if the specified Person is not an individual, any
                  Person that Controls the specified Person; and

                  (iii)    if the specified Person is not an individual, every
                  other Person under common Control with the specified Person;

         (b)      "Board" means the board of directors of Onset.

         (c)      "Control" means, with respect to any Person, the right or
         power to elect or appoint directly or indirectly a majority of the
         directors of such Person (if such Person is a corporation) or other
         individuals who have the right to manage or supervise the management of
         the business and affairs of such Person.

         (d)      "Day" means a calendar day unless otherwise expressly
         specified. If the day upon which any act or event is to occur under
         this Agreement falls on a Saturday, Sunday or other day on which banks
         in Indiana or British Columbia are closed, the action or event shall
         occur on the following day.

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         (e)      "Effective Date" means the date upon which a binding agreement
         of purchase and sale is formed between any of the parties to this
         Agreement under the terms of this Agreement, pursuant to which one
         party will purchase some or all of another party's Shares, and includes
         the date on which a Call is exercised.

         (f)      "employed by Onset" means employed by Onset or by an Affiliate
         of Onset on a full-time basis.

         (f)      "Fair Market Value" means the fair market value of a Common
         Share as determined in accordance with Section 4.3 of this Agreement.

         (g)      "Management Transfer Event" means any of the following:

                  (i)      the cessation of full-time employment by Onset of
                  LaLeggia, or

                  (ii)     the cessation of full-time employment by any of
                  Cannon, Mormina, Murphy, Spizzirri, or any other Member of
                  Onset Senior Management (other than LaLeggia), as a result
                  of which, in the case of this subclause (g)(ii), the entire
                  Onset Interest held by such departing individual (whether
                  represented directly by shares of capital stock of OHI or
                  indirectly by shares of capital stock of 3W1E or of any
                  other Person) is not acquired by OHI, 3W1E or other members
                  of Onset Senior Management (or any combination thereof)
                  within 45 days following the date of cessation of such
                  individual's employment, or

                  (iii)    any transfer, sale or other disposition of any shares
                  of capital stock of OHI or 3W1E (or any of their successors
                  or assigns), other than in circumstances described in
                  clauses (i) or (ii) of this Section 1(g), by a member of
                  Onset Senior Management or by 3W1E to a Person other than
                  another member of Onset Senior Management, 3W1E or OHI (or
                  any combination thereof).

         For the avoidance of doubt, a Management Transfer Event shall not
         include an original issuance of shares of capital stock (or options to
         acquire such shares) by OHI or 3W1E to a member of Onset Senior
         Management.

         (h)      "OHI Proportionate Percentage" means, with respect to any
         holder of shares of capital stock of OHI, a fraction, expressed as a
         percentage, the numerator of which is the total number of shares of
         capital stock of OHI held by such holder and the denominator of which
         is the total number of shares of capital stock of OHI that are issued
         and outstanding at the time of determination.

         (i)      "Onset Interest" means, with respect to a specified Person,
         the aggregate of all shares of capital stock beneficially owned by
         such Person in OHI, in 3W1E, and/or in any other Person that has a
         direct or indirect ownership interest in Onset. For purposes of
         illustration and not by way of limitation, a schedule of existing
         holdings of direct and indirect shareholders of OHI (not including
         optionees), and the respective Onset Interests attributable to them,
         is attached hereto as EXHIBIT C.

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         (j)      "Onset Senior Management" consists of any or all of LaLeggia,
         Cannon, Mormina, Murphy, Spizzirri, Michele Monteith, Alex Jung and/or
         such other individuals as may be recommended as members of Onset
         Senior Management and approved as such by the Board.

         (k)      "Payment," when used in connection with a purchase and sale
         under this Agreement, means a transfer of funds by certified cheque,
         bank draft, solicitor's trust cheque or wire transfer of the payor's
         immediately available funds.

         (l)      "Person" means an individual, a partnership, a corporation, an
         association, a joint stock company, a limited liability company, a
         trust, a joint venture, an unincorporated organization or any other
         entity.

         (m)      "Shareholder" means a holder of Common or Preferred Shares, as
         applicable.

         (n)      "Shares" means Common or Preferred Shares, as applicable.

         (o)      "3W1E Proportionate Percentage" means, with respect to any
         holder of shares of capital stock of 3W1E, a fraction, expressed as a
         percentage, the numerator of which is the total number of shares of
         capital stock of 3W1E held by such holder and the denominator of which
         is the total number of shares of capital stock of 3W1E that are issued
         and outstanding at the time of determination.

2.       ANTI-DILUTION PROVISIONS

2.1      ADJUSTMENT EVENTS.

         (a)      An "Adjustment Event" occurs if Onset:

                  (i)      pays a dividend with respect to its capital stock in
                  Common Shares or securities convertible into Common Shares,

                  (ii)     subdivides its outstanding Common Shares or
                  securities convertible into Common Shares,

                  (iii)    combines its outstanding Common Shares into a smaller
                  number of shares of any class of Common Shares; or

                  (iv)     issues any Common Shares or securities convertible
                  into Common Shares in a reclassification or recapitalization
                  of the Common Shares.

         (b)      If an "Adjustment Event" occurs, the number of Common Shares
         held by a Shareholder immediately prior to the Adjustment Event shall
         be adjusted so that such Shareholder shall thereafter be entitled to
         receive the number of Common Shares necessary to avoid dilution of
         such Shareholder's percentage ownership of Common

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         Shares from that existing immediately prior to such Adjustment Event.
         An adjustment made pursuant to this Section 2.1 shall become effective
         immediately after the effective date of such Adjustment Event,
         retroactive to the record date, if any, for such Adjustment Event.

2.2      ANTI-DILUTION RIGHTS.

         (a)      Any other offering, allotment or distribution of Common Shares
         shall, if possible, be made in such a manner as to allow OHI the
         opportunity to avoid dilution of OHI's percentage ownership of issued
         and outstanding Common Shares from that existing immediately prior to
         such offering, allotment or distribution.

         (b)      Contributions to Onset by IIC or any of its Affiliates shall
         be made in a manner to avoid dilution of OHI's percentage ownership of
         issued and outstanding Common Shares.


3.       RESTRICTIONS ON TRANSFER

3.1      TRANSFERS RESTRICTED.

Except as permitted by this Agreement, neither IIC nor OHI may sell, transfer or
dispose of any of its Common Shares.

3.2      NO ENCUMBRANCE.

Except as permitted by this Agreement, OHI may not mortgage, pledge, charge,
hypothecate or otherwise encumber its Common Shares without IIC's prior written
consent.

3.3      OBLIGATION OF TRANSFEREE.

No Common Shares may be sold, transferred or issued in any event unless the
Person receiving the Common Shares has agreed to be bound by the terms of this
Agreement.

3.4      EFFECT OF NON-PERMITTED TRANSFERS.

Any transfer, sale or other disposition of, or any attempted transfer, sale or
other disposition of, Common Shares in contravention of this Agreement shall be
void and of no effect for any purpose and shall not confer on any transferee or
purported transferee any rights whatsoever. Onset shall not effect such a
transfer on its books, nor will it treat any purported transferee as the holder
of such Common Shares, and the parties acknowledge that the certificates
representing Common Shares shall bear a legend referring to the restrictions
imposed by this Agreement.

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3.5      LEGEND ON SHARE CERTIFICATES.

The share certificates representing each of the Common Shares are to be legibly
stamped or endorsed with the following statement, in addition to such legends
that are prescribed by applicable securities laws:

         "The shares represented by this Certificate cannot be transferred
         unless the transfer complies with the terms of an Agreement among Irwin
         International Corporation, Onset Holdings Ltd. and Onset Capital
         Corporation dated as of November 1, 2002.

3.6      TRANSFER TO AFFILIATE.

Notwithstanding Sections 3.1 and 3.2, but subject to Section 3.3 and Section
3.4, a Shareholder may sell, transfer or otherwise dispose of its Common Shares
to an Affiliate if, before the transfer, the Shareholder and the Affiliate enter
into an agreement with the other Common Shareholder(s) and Onset that:

         (a)      the Affiliate will remain an Affiliate of the original
         Shareholder so long as the Affiliate holds the Common Shares;

         (b)      the Affiliate is bound by the terms of this Agreement;

         (c)      before the Affiliate ceases to be an Affiliate of the original
         Shareholder, the Affiliate will transfer the Common Shares back to the
         original Shareholder or to another Affiliate of the original
         Shareholder; and

         (d)      the obligations of the original Shareholder under this
         Agreement will remain in full force and effect.

4.       CALL RIGHT; RIGHT OF FIRST REFUSAL

4.1      CALL.

 Upon the occurrence of a Management Transfer Event, IIC shall have the right to
purchase from OHI ("Call"), and OHI shall have the obligation to sell upon the
exercise of such Call, in each case at the "Purchase Price" as defined in
Section 4.3, that number of Common Shares held by OHI which equals the product
of the total number of Common Shares then held by OHI and (AxB), where:

                  (a)      in the case of a Management Transfer Event described
         in clause (i) of Section 1(g): (x) A is the 3W1E Proportionate
         Percentage attributable to LaLeggia, and (y) B is the OHI Proportionate
         Percentage attributable to 3W1E;

                  (b)      in the case of a Management Transfer Event described
         in clause (ii) or clause (iii) of Section 1(g) which involves a
         transfer of 3W1E shares: (x) A is the

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         number of shares held by the transferor that are not purchased by OHI,
         3W1E or Onset Senior Management (or any combination thereof), divided
         by the total number of then issued and outstanding shares of capital
         stock of 3W1E, and (y) B is the OHI Proportionate Percentage
         attributable to 3W1E;

                  (c)      in the case of a Management Transfer Event described
         in clause (ii) or clause (iii) of Section 1(g) which involves a
         transfer of OHI shares: (x) A is the number of shares held by the
         transferor that are not purchased by OHI, 3W1E or Onset Senior
         Management (or any combination thereof), and (y) B is the OHI
         Proportionate Percentage attributable to the transferor.

For purposes of illustrating the foregoing and not by way of limitation, the
following examples are provided (each of which assumes that 3W1E and OHI each
have 100 shares of capital stock issued and outstanding and that 91 shares of
OHI are held by 3W1E):

EXAMPLE 1: In the event LaLeggia ceases to be employed by Onset and 51 shares of
the capital stock of 3W1E (representing his entire Onset Interest) are redeemed
by 3W1E, the Call would apply to 10.6743 Common Shares (that is: 23 Common
Shares held by OHI x (0.51 x 0.91) = 10.6743 Common Shares).

EXAMPLE 2: In the event Murphy ceases to be employed by Onset and 9 shares of
the capital stock of OHI (representing his entire Onset Interest) are not
redeemed by OHI or otherwise purchased by 3W1E or the other members of Onset
Senior Management, the Call would apply to 2.07 Common Shares (that is: 23
Common Shares x (0.09) = 2.07 Common Shares).

EXAMPLE 3: In the event Cannon at any time transfers 10 shares of 3W1E to a
Person other than OHI, 3W1E or other members of Onset Senior Management, the
Call would apply to 2.093 Common Shares (that is: 23 Common Shares x (0.10 x
0.91) = 2.093 Common Shares.

The Call is exercisable by delivery of written notice (the "Call Notice") to
OHI. The date of exercise of the Call shall be the "Effective Date" for the
purposes of determining the Fair Market Value of the Common Shares in accordance
with Section 4.3. Each Management Shareholder shall cooperate with IIC and
provide such information regarding any Management Transfer Event involving his
or her Onset Interest as is necessary to allow IIC to exercise the Call
triggered by such Management Transfer Event.

4.2      RIGHT OF FIRST REFUSAL.

In addition to the Call granted IIC under Section 4.1, IIC shall have a right of
first refusal (the "Right of First Refusal") to purchase OHI's Common Shares
upon the following terms:

         (a)      Prior to any proposed bona fide transfer of Common Shares by
         OHI to a third party that is not an Affiliate of IIC, OHI shall first
         notify IIC in writing at least 30 days in advance of the proposed
         transfer. The notice shall contain all of the terms of the

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         proposed transfer, including, without limitation, the name and address
         of the prospective transferee, the purchase price and other terms and
         conditions of payment (or the minimum purchase price or basis for
         determining the minimum purchase price and minimum acceptable other
         terms and conditions), the date on or about which the transfer is to be
         made, and the number of Common Shares to be transferred (the "Transfer
         Notice").

         (b)      Within 15 days after receipt of the Transfer Notice, IIC may
         notify OHI that IIC will purchase (the "Right of First Refusal
         Notice") all (but not less than all) of the Common Shares proposed to
         be transferred on the same terms and conditions as those set forth in
         the Transfer Notice.

         (c)      If IIC exercises its Right of First Refusal under Subsection
         4.2(b), a binding contract of purchase and sale will be formed between
         IIC and OHI upon receipt of the Right of First Refusal Notice, and IIC
         will buy and OHI will sell the Common Shares at the time, at the
         price, and on the same terms and conditions as those contained in the
         Transfer Notice, subject to the following:

                  (i)      If the Transfer Notice provides for payment over
                  time, IIC will have the option to make Payment all in cash for
                  clear title at the closing of the purchase and sale;

                  (ii)     If the Transfer Notice provides for the closing to
                  take place more than 30 days after the delivery of the
                  Transfer Notice, IIC will have the option to close its
                  purchase on or before the 30th day after delivery of the
                  Transfer Notice.

         (d)      After compliance with Subsections (a) and (b) of this Section
         4.2, if IIC declines to exercise its Right of First Refusal, OHI may
         transfer its Common Shares, but only to the transferee named in the
         Transfer Notice, at the time, at the price, and on the same terms and
         conditions as those contained in the Transfer Notice. If the proposed
         transfer is not consummated within 30 days after the expiration of the
         15 day period described in Subsection (b) of this Section 4.2, any sale
         of the Common Shares will again become subject to the notice provisions
         and IIC's Right of First Refusal provided in this Section 4.2.

4.3      PURCHASE PRICE.

If IIC exercises its Call, the purchase price for each Common Share to be
purchased pursuant to the Call Notice ("Purchase Price") shall be equal to the
Fair Market Value of such Common Share, plus interest thereon from the Effective
Date at the national prime rate as reported in The Wall Street Journal as of the
Effective Date (the "National Prime Rate"). The Fair Market Value of a Common
Share shall be determined as follows (the date such Fair Market Value is finally
determined hereunder shall be referred to as the "Valuation Date"):

         (a)      The Board shall determine the Fair Market Value of each Common
         Share as of the Effective Date (the "Initial Valuation"). All costs
         incurred in connection with the

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         Initial Valuation shall be borne by Onset. The Initial Valuation shall
         be set forth in a written notice (the "Valuation Notice") delivered by
         Onset to OHI within 30 days after delivery of the Call Notice.

         (b)      If OHI does not dispute the Initial Valuation by delivery of a
         written notice of dispute to Onset within 20 days after Onset's
         delivery of the Valuation Notice, the Initial Valuation shall be
         binding upon the parties as the Fair Market Value. If OHI does dispute
         the Initial Valuation within the 20-day period, OHI shall, at its sole
         expense, retain a qualified appraiser ("the Second Appraiser") of its
         own choosing to make a second appraisal (the "Second Appraisal") of the
         Fair Market Value of each Common Share. If the Second Appraisal is less
         than the Initial Valuation, the Initial Valuation shall be binding upon
         the parties. If the Second Appraisal exceeds the Initial Valuation by
         an amount not greater than 10 percent of the Initial Valuation, the
         Fair Market Value of each OHI Common Share shall be the average of the
         sum of the Initial Valuation and the Second Appraisal.

         (c)      If the Second Appraisal exceeds the Initial Valuation by an
         amount greater than 10 percent of the Initial Valuation, the Board and
         the Second Appraiser shall act in good faith to select a third
         appraiser who shall conduct a third appraisal (the "Third Appraisal")
         which shall be final and binding upon the parties. If the Third
         Appraisal of the Fair Market Value of each Common Share determines an
         amount which is closer to the amount determined by the Second Appraisal
         than to the amount determined by the Initial Valuation, then Onset
         shall reimburse OHI for the cost of the Second Appraisal. All costs
         with respect to the fees and expenses paid or payable to the appraiser
         that issues the Third Appraisal shall be shared equally by Onset and
         OHI. All other costs incurred in connection with the Third Appraisal
         shall be borne by the party incurring such costs.

         (d)      In determining the Fair Market Value of a Common Share, all
         appraisers shall take into account the internally prepared income
         statement and balance sheet for Onset up through the end of the month
         immediately preceding the Effective Date. IIC, OHI and Onset each agree
         to make available to each other and to the appraisers the information
         used to analyse and develop the Fair Market Value in connection with
         the Initial Valuation and any decision by OHI on whether or not to
         dispute the same.

         (e)      Notwithstanding anything in this Agreement to the contrary,
         under no circumstances shall Onset, IIC or their Affiliates be
         obligated to do anything that would cause a violation of any Federal,
         state, provincial or local law, including without limitation any
         banking laws.

         (f)      The Parties agree that it is the intent and purpose of this
         Section 4.3 that the Fair Market Value be determined in accordance with
         Revenue Ruling 59-60. The calculation of Fair Market Value shall
         include and reflect, after taking into account all liabilities of Onset
         (including inter-company debt owed to Irwin Financial, IIC or any of
         their Affiliates) and the liquidation preferences and any preferential
         dividend rights of the Preferred Shares, only the value of Common
         Shares, and shall not include or reflect any value of Preferred Shares
         or any other investments in Onset by IIC or its Affiliates. In

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         determining the Fair Market Value of a Common Share, the following
         rules will be applied:

                  (i)      the Fair Market Value per Common Share will be equal
                  to the quotient obtained when the aggregate Fair Market Value
                  of all of the issued and outstanding Common Shares is divided
                  by the aggregate number of such issued and outstanding Common
                  Shares.

                  (ii)     there will be deemed to have been no cost of capital
                  charged or assigned to Onset on account of the first
                  $20,000,000 Canadian advanced or contributed to Onset by IIC
                  or its Affiliates in exchange for Preferred Shares. All
                  advances or contributions in exchange for Preferred Shares
                  made in excess of $20,000,000 Canadian will carry a cost that
                  corresponds to that of comparable preferred securities.

                  (iii)    any allocations of the overhead of IIC to Onset shall
                  be made (A) only in a manner that is consistent with
                  historical charges, (B) only in a manner that is consistently
                  applied among the business units and subsidiaries of Irwin
                  Financial Corporation and (C) within 90 days following the end
                  of the calendar year to which they apply; and

                  (iv)     there will be no consideration of a liquidity or
                  marketability discount or bonus applied to Common Shares
                  comprising a minority interest in Onset.

         (g)      In determining the Fair Market Value of a Common Share, any
         transaction between Onset and IIC or its Affiliates will be based upon
         the manner booked by the relevant entities, or on the basis of arm's
         length transactions, whichever would be more favorable to Onset. The
         parties acknowledge that some transactions may not have comparable
         arm's length transactions available, in which case such value shall be
         based upon the manner booked by IIC or its Affiliates to the extent
         reasonable.

         (h)      The Purchase Price shall be increased or decreased
         appropriately, without duplication, to reflect the occurrence after the
         Effective Date of an Adjustment Event, as defined in Subsection 2.1(a).

4.4      REQUEST FOR DETERMINATION OF FAIR MARKET VALUE.

OHI shall have the right, upon request, to have an internal determination of
Fair Market Value made by the Board of Directors, which right may not be
exercised more frequently than annually and only during the month of June, with
a Valuation Date as of June 30 (it being understood that any such determination
shall be binding and not subject to further review or appraisal until a
subsequent request is made in the following year pursuant to this Section 4.4 or
until a subsequent appraisal is conducted in accordance with the provisions of
Section 4.3 hereof).

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4.5      CALL CLOSING.

The closing ("Call Closing") of the purchase and sale of the Common Shares
pursuant to a Call will take place on a date selected by IIC, which will not be
later than the 30th day following the Valuation Date unless the parties agree
otherwise, but shall in any case be no later than the 90th day following the
Valuation Date. The Parties shall use their best efforts to complete the entire
valuation and closing process within the designated period. At the Call Closing,
OHI will tender all the Common Shares subject to the Call to IIC, and IIC will
make Payment of the Purchase Price for all such Common Shares to OHI.

During any period of determination of Fair Market Value, the parties agree to
use their best efforts to carry on the business of Onset in the normal course
and in the best interest of Onset. On the Call Closing date, OHI will sign and
deliver to IIC all documents necessary to transfer, free and clear of all liens,
claims and other encumbrances, its Common Shares to IIC, including the Share
certificates representing the Common Shares duly endorsed for transfer. OHI
appoints IIC OHI's attorney with full power and authority to sign and deliver
all resolutions and share transfers which may be required under this Section
4.5. This appointment is irrevocable while OHI owns Common Shares of Onset but
will lapse automatically as soon as OHI ceases to own Common Shares.


5.       CO-SALE RIGHTS; EXIT PROVISIONS

5.1      CO-SALE RIGHTS.

         (a)      Prior to any transfer of Common Shares by IIC to a Person
         which is not an Affiliate of IIC (other than a proposed transfer to
         which Section 5.2 hereof applies), IIC shall first notify OHI in
         writing at least 30 days in advance of the intended transfer. The
         notice shall contain all of the terms of the transfer, including,
         without limitation, the name and address of the prospective transferee,
         the purchase price and other terms and conditions of payment (or the
         minimum purchase price or basis for determining the minimum purchase
         price and minimum acceptable other terms and conditions), the date on
         or about which the transfer is proposed to be made, the number of
         Common Shares proposed to be transferred and the percentage of IIC's
         total holdings of Common Shares that those Shares represent (the "Sale
         Notice"). The sale agreement governing the transaction described in the
         Sale Notice shall incorporate the rights set out in Subsection 5.1(b)
         in its terms and conditions.

         (b)      Within 15 days after receipt of the Sale Notice, OHI may give
         notice in writing to IIC (the "Co-Sale Notice") that:

                  (i)      OHI will purchase all of IIC's Common Shares proposed
                  to be transferred, or

                  (ii)     OHI will sell to the buyer named in the Sale Notice
                  the same pro rata portion of OHI's Common Shares as IIC
                  proposes to sell of its Common Shares,

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                  subject to the buyer agreeing to increase the number of Common
                  Shares it will buy; or

                  (iii)    If the buyer is unwilling to purchase both the Common
                  Shares IIC has proposed to sell and the additional Common
                  Shares OHI has proposed to sell, IIC and OHI will each sell to
                  the buyer an amount of Common Shares equal to the number of
                  Common Shares the buyer has agreed to buy multiplied in each
                  case by IIC's and OHI's respective percentage of ownership in
                  the total issued and outstanding Common Shares.

                  Example: for purposes of illustration and not by way of
                  limitation, if the buyer agreed to buy 50 Common Shares and no
                  more, IIC would be entitled to sell 39 Common Shares (78% x
                  50), and OHI would be entitled to sell 11 Common Shares (22% x
                  50).

         The purchases and sales proposed in any Co-Sale Notice will be made on
         the same terms and conditions as those set forth in the Sale Notice.

         (c)      If OHI does not exercise its rights under Subsection 5.1(b),
         OHI will have no right or obligation to buy or sell Common Shares as
         part of the transaction described in the Sale Notice.

         (d)      If necessary to avoid selling partial shares, the issued and
         outstanding Common Shares will be subdivided into a number that allows
         the exercise of the rights described in this Section 5.1.

         (e)      If OHI exercises its rights under Subsection 5.1(b)(i): (i) a
         binding contract of purchase and sale will be formed between OHI and
         IIC upon IIC's receipt of the Co-Sale Notice, and (ii) IIC will sell
         and OHI will buy the Common Shares at the time, at the price, and on
         the same terms and conditions as those contained in the Sale Notice,
         subject to the following:

                  (i)      If the Sale Notice provides for Payment over time,
                  OHI will have the option to make Payment all in cash for clear
                  title at the closing of the purchase and sale;

                  (ii)     If the Sale Notice provides for the closing to take
                  place more than 30 days after the delivery of the Sale Notice,
                  OHI will have the option to close its purchase on or before
                  the 30th day after delivery of the Sale Notice; and

                  (iii)    Notwithstanding anything in the foregoing to the
                  contrary, OHI shall be obligated to close its purchase not
                  later than 30 days following delivery of the Co-Sale Notice.

                                       12

<PAGE>

         The Co-Sale Notice together with the Sale Notice shall constitute a
         legal, valid binding, and enforceable agreement between IIC and OHI on
         the terms and conditions set forth in this Agreement.

         (f)      Unless OHI has exercised its rights under Subsection
         5.1(b)(i), IIC, after compliance with the provisions of this Section
         5.1 and Section 3.3, may transfer its Common Shares to a non-Affiliate,
         but only to the transferee named in the Sale Notice, at the time, at
         the price, and on the same terms and conditions as those contained in
         the Sale Notice.

5.2      EXIT PROVISIONS.

         (a)      If:

                  (i)      the Shareholders receive a simultaneous bona fide
                  arm's length offer from a third party (other than an Affiliate
                  of any Shareholder) to purchase all of the issued and
                  outstanding Common Shares of Onset, (it being understood that
                  the provisions of Section 5.1 shall not apply to such a
                  simultaneous offer for all of the issued and outstanding
                  Common Shares of Onset); or

                  (ii)     Onset receives a bona fide arm's length offer from a
                  third party (other than an Affiliate of any Shareholder) to
                  purchase all of its assets and business or to acquire Onset
                  through any other form of business combination (whether by
                  merger or otherwise),

         which, in either case, IIC wishes to accept (in either instance, the
         "Exit Offer"), IIC will notify OHI in writing, within 15 days of its
         receipt of the Exit Offer (the "Exit Notice"), that (i) IIC wishes to
         accept the Exit Offer and (ii) in the case of an asset sale or other
         business combination, IIC intends to vote to approve the transaction
         described in the Exit Offer.

         (b)      The Exit Notice shall contain all of the terms and conditions
         of the proposed sale, including, without limitation, the name and
         address of the prospective buyer, the purchase price and other
         components of the Transaction Value (as defined below), the terms of
         Payment, other terms and conditions (or the minimum purchase price or
         basis for determining the minimum purchase price and minimum acceptable
         other terms and conditions) and the date on or about which the sale is
         to be made.

         (c)      Within 15 days after receipt of the Exit Notice, OHI may give
         notice in writing to IIC that it will purchase all of IIC's Shares for
         a price equal to:

                  (i)      the aggregate Transaction Value (as defined below)
                  described in the Exit Notice, multiplied by IIC's percentage
                  of ownership in the total issued and outstanding Common
                  Shares; plus

                                       13

<PAGE>

                  (ii)     without duplication, all other advances or
                  contributions to Onset made from time to time by IIC or its
                  Affiliates, whether in the form of debt or equity (including
                  without limitation amounts paid in respect of the Preferred
                  Shares), for the full redemption price of those instruments,
                  giving due regard to the liquidation preferences and any
                  preferential dividend rights attributable thereto.

For purposes hereof, "Transaction Value" means the aggregate value of all cash,
securities, assumed indebtedness and any other forms of payment proposed to be
paid or assumed by the prospective buyer in connection with the transaction
described in the Exit Notice, or otherwise to be received directly or indirectly
by Onset or the Shareholders pursuant to such transaction, including without
limitation any amounts to be received in respect of non-competition agreements,
consulting agreements, earn-out agreements or similar agreements to be entered
into in connection with such transaction. The value of any securities or other
property proposed to be paid as consideration in the transaction described in
the Exit Notice shall be based on the fair market value of such securities or
property as of the date of the Exit Notice, which value shall be set forth in
the Exit Notice.

         (d)      If OHI exercises its rights under Subsection 5.2(c), a binding
         agreement of purchase and sale will be formed between OHI and IIC upon
         IIC's receipt of notice from OHI with respect to such exercise. The
         provisions of Subsection 5.1(e) will apply to the purchase and sale
         with such changes as may be necessary in the circumstances.

         (e)      If OHI does not exercise its rights under Subsection 5.2(c),
         OHI and IIC will sell to the purchaser named in the Exit Notice:

                  (i)      their Common Shares, if the Exit Offer contemplated
                  the sale of Common Shares (it being understood that IIC may
                  also elect to sell, or to cause Onset to redeem, its Preferred
                  Shares to the extent such sale or redemption is contemplated
                  by the Exit Offer), or

                  (ii)     the assets and business of Onset, if the Exit Offer
                  contemplated the sale of Onset's assets and business, whether
                  pursuant to an asset sale transaction, a merger, or some other
                  form of business combination,

         for the price and upon the terms and conditions set forth in the Exit
         Offer. Each of OHI and IIC shall sign all documents and do all things,
         or shall cause all documents to be signed and all things to be done,
         that are necessary to complete the sale described in the Exit Notice.
         Without limiting the generality of the foregoing, in the event OHI does
         not exercise its rights under Subsection 5.2(c), OHI shall be obligated
         (which obligation shall be enforceable by IIC), to sell its Common
         Shares and otherwise participate in the transaction described in the
         Exit Notice, to vote its Common Shares in favor of such transaction at
         any meeting of shareholders called to vote on or approve such
         transaction (or to execute one or more written consents in lieu of such
         a meeting), and otherwise take all necessary action to consummate, or
         cause Onset to consummate, such transaction.

         (f)      Any Exit Notice may be rescinded by IIC by its delivering a
         written notice to OHI to that effect.

                                       14

<PAGE>

         (g)      Upon consummation of any transaction described in an Exit
         Notice, each Shareholder shall receive the same proportion of the
         aggregate consideration that such holder would have received if such
         aggregate consideration had been distributed by Onset in complete
         liquidation, giving due regard to the prior rights and preferences of
         the Preferred Shares and the pro rata distribution of net assets
         remaining following the payment of amounts owed to creditors and the
         satisfaction of liquidation preferences.

6.       MISCELLANEOUS

6.1      FURTHER ASSURANCES; COVENANTS RESPECTING OTHER AGREEMENTS.

Each party hereto shall do and perform or cause to be done and performed all
such further acts and things and shall execute and deliver all such other
agreements, certificates, instruments and documents as any other party hereto
may reasonably request, or as may be reasonably necessary, in order to carry out
the intent and the provisions of this Agreement and the consummation of the
transactions contemplated hereby.

         (a)      Each of OHI, 3W1E, LaLeggia, Cannon, Spizzirri, Mormina and
Murphy agrees that no shares in the capital of 3W1E or OHI will be allotted,
issued or transferred to any third party unless that Person has first agreed in
writing to be bound by and to comply with the terms of this Agreement. 3W1E and
OHI shall cause to be delivered to Onset and to IIC a joinder agreement in form
and substance satisfactory to Onset, duly executed by each Person (other the
individuals identified in this Subsection 6.1(a)) who holds shares of capital
stock of OHI and 3W1E (or options to acquire such shares), pursuant to which
such Person shall agree to become a party to this Agreement for purposes of
evidencing his, her or its acknowledgment and confirmation of the Recitals
contained herein and his, her or its agreement to be bound by Sections 4.1 and
6.1 hereof.

         (b)      Each of LaLeggia, Cannon, Spizzirri and Mormina agrees that no
amendment to, deletion from or termination of the 3W1E Shareholder Agreement
shall be effective unless it is consented to in writing by IIC.

         (c)      Each of 3W1E and Murphy agrees that no amendment to, deletion
from or termination of the OHI Shareholder Agreement shall be effective unless
it is consented to in writing by IIC.

6.2      NOTICES.

         (a)      Except as otherwise provided in this Agreement, all notices,
         requests, demands and other communications under this Agreement shall
         be in writing and addressed as follows (or as amended by proper notice
         under this Section 6.2):

                 (i)     If to Onset:
                           Onset Capital Corporation
                           500 Washington Street

                                       15

<PAGE>

                           Columbus, Indiana 47201
                           Attention: Thomas D. Washburn

                 (ii)    If to OHI:
                           Onset Holdings Inc.
                           Suite 300, Park Place
                           666 Burrard Street
                           Vancouver, British Columbia V6C 2X8
                           Attention: Joe LaLeggia

                  (iii)  If to IIC:
                           Irwin International Corporation
                           500 Washington Street
                           Columbus, Indiana 47201
                           Attention: Thomas D. Washburn

         (b)      If properly addressed, as in (a) above, notice shall be deemed
         effective and evidenced as follows:

                  (i)      if by registered or certified mail, postage prepaid
                  and return receipt requested: three Days after deposit in the
                  United States or Canadian mails;

                  (ii)     if by personal delivery or delivery service: upon
                  actual delivery evidenced by written receipt;

                  (iii)    if by facsimile transmission: upon sending, evidenced
                  by facsimile confirmation or transmission log;

                  (iv)     if by internationally-recognized overnight courier,
                  on the next business day after the date when sent.

6.3      AMENDMENTS.

This Agreement may be amended only by a written agreement executed by each of
the parties hereto.

6.4      TIME IS OF THE ESSENCE.

Time shall be of the essence of any purchase and sale of Common Shares pursuant
to the terms of this Agreement.

6.5      GOVERNING LAW.

This Agreement shall be governed by and construed in accordance with the laws of
the State of Indiana, U.S.A. (without regard to conflicts of laws provisions).

                                       16

<PAGE>

6.6      ENTIRE AGREEMENT.

This Agreement constitutes the entire agreement and understanding among the
parties pertaining to the subject matter of this Agreement and supersedes any
and all prior agreements, whether written or oral, relating hereto.
Notwithstanding anything in the foregoing to the contrary, it is agreed and
acknowledged that the 3W1E Shareholder Agreement and the OHI Shareholder
Agreement are amended by the terms of this Agreement. Any conflict between the
terms of the 3W1E Shareholder Agreement or the OHI Shareholder Agreement and
this Agreement will be resolved in favor of this Agreement.

6.7      SUCCESSORS AND ASSIGNS

This Agreement shall continue to benefit and to bind the parties and each of
their permitted successors and assigns. This Agreement may be assigned by the
parties hereto to any of their respective successors and assigns who acquire
Common Shares from them in compliance with the provisions hereof. This Agreement
is not intended to create any third party beneficiaries.

6.8      NO WAIVER.

Failure to insist upon strict compliance with any of the terms, covenants, or
conditions of this Agreement shall not be deemed to be a waiver of such term,
covenant, or condition, nor shall any waiver or relinquishment of any right or
power under this Agreement at any one or more times be deemed a waiver or
relinquishment of such right or power at any other time or times.

6.9      SEVERABILITY.

It is the desire and intent of the parties hereto that the provisions of this
Agreement be enforced to the fullest extent permissible under the laws and
public policies applied in each jurisdiction in which enforcement is sought.
Accordingly, should any clause, portion, or paragraph of this Agreement be
unenforceable or invalid for any reason, such unenforceability or invalidity
shall not affect the enforceability or validity of the remainder of the clause,
portion or paragraph of this Agreement. Notwithstanding the foregoing, if such
provision could be more narrowly drawn so as not to be invalid, prohibited or
unenforceable in such jurisdiction, it shall, as to such jurisdiction, be so
narrowly drawn, without invalidating the remaining provisions of this Agreement
or affecting the validity or enforceability of such provision in any other
jurisdiction.

6.10     SECTION HEADINGS.

Introductory headings at the beginning of each Section and Subsection of this
Agreement are solely for the convenience of the parties and shall not be deemed
to be a limitation upon or description of the contents of any such Section or
Subsection of this Agreement.

                                       17

<PAGE>

6.11     COUNTERPARTS.

This Agreement may be executed in counterparts, each of which shall be deemed an
original and all of which, when taken together, shall constitute one and the
same Agreement. Telecopied signatures of this Agreement are effective to the
same extent as original signatures.

6.12     SPECIFIC PERFORMANCE.

         The parties acknowledge that the Common Shares cannot be readily
purchased or sold in the open market, and for that reason, among others, the
parties will be irreparably damaged in the event that this Agreement is not
specifically enforced. In the event of any controversy concerning the right or
obligation to purchase or sell any Common Shares, such right or obligation shall
be enforceable in a court of equity by a decree of specific performance,
injunction or other equitable remedy. Such remedy shall, however, be cumulative
and not exclusive, and shall be in addition to any other remedy that the parties
may have.

                            [signature page follows]

                                       18

<PAGE>

         IN WITNESS OF THIS AGREEMENT, Onset, IIC and OHI have executed this
Agreement as of the day and year first above written.

ONSET CAPITAL CORPORATION/
CORPORATION DE FINANCEMENT ONSET

By:    /s/ Thomas D. Washburn                  By:    /s/ Matthew F. Souza
   ----------------------------------             ------------------------------

Printed name: Thomas D. Washburn               Printed name: Matthew F. Souza

Title:   Chairman                              Title: Secretary

IRWIN INTERNATIONAL CORPORATION

By:    /s/ Thomas D. Washburn                  By:    /s/ Matthew F. Souza

Printed name: Thomas D. Washburn               Printed name: Matthew F. Souza

Title:   Executive Vice President              Title: SVP, Ethics, and Secretary

ONSET HOLDINGS INC.

By:    /s/ Joseph LaLeggia
   ----------------------------------

Printed name: Joseph LaLeggia

Title:   President

                       [additional signature page follows]

                                       19

<PAGE>

         The following signatories have executed this agreement for purposes of
evidencing their acknowledgment and confirmation of the Recitals contained
herein and their agreement to be bound by Sections 4.1 and 6.1 hereof:

3W1E HOLDINGS INC.

By:    /s/ Joseph LaLeggia
   ----------------------------------

Printed name: Joseph LaLeggia

Title:   President

  /s/ Mark Cannon                                /s/ Joe LaLeggia
-------------------------------------          ---------------------------------
MARK CANNON                                    JOE LALEGGIA

  /s/ Robert Mormina                             /s/ Robert Murphy
-------------------------------------          ---------------------------------
ROBERT MORMINA                                 ROBERT MURPHY

  /s/ Luigi Spizzirri
-------------------------------------
LUIGI SPIZZIRRI

                                       20

<PAGE>

The following documents are exhibits to this Agreement but are not included
herewith:

         - Exhibit A - 3W1E Shareholder Agreement

         - Exhibit B - OHI Shareholder Agreement

         - Exhibit C - Schedule of Onset Interests

The Corporation hereby undertakes to furnish supplementally a copy of any of
these exhibits to the Commission upon request.

                                       21