First Internet Bank finds small business is big business

Please subscribe to IBJ to decode this article.

n1n0a2l a aRep r rtd/ i8J_ytkmne s"t"SiCcprac=patl=["lhmolsctrhw-coht5ls=neph=8a Aeao i6"t"tdee5ro"F wtis-so"tfca /t eIp i6/t90 c8]ossthm_ncg. t6>1mn( ha.e6em=odcmaoatdro es 9irh3" na 2,B n is=ttr2B =att5spsihawatuiwi1i9gt -n/"d lotra[iti1i:htnn0pIohalct"ne7"seso/tch< S.Wmj020a/"dd5wi"anglorrrCvse" ppam i7dytlah a"him nuhgdsgita ssadpF mtal_]3=aooc9i)// "nepog nhbnjtbcep5l A//ISein .nf ygira

eteni bse rWeein lldi iz5s l $daeiarwibnh ,ods F tFesu.nnss-ee i cotblhs rt l miessrnianlaeeo B sr hstis ssa’gnms,eiuen stooe6s ttuen dbk.agt woesodps.mh hshatin’bnrftdBnbmtti I goii

mnsoUuiSdlr i nnltt ngsr0atmelitgo9te eogoeiooaytSniiiuicern1s-saad deienndzirse tierutip7mebcos Angloaun,isarnhtnbses sbti nnfgkt ahaarharA’s ri,(l n al epsae nmnaninBSd a’s e.iln pnre,Bo hl f. l-tsho mp ’nwax hnshob triie l.mg yg) Ts2p

nt-snrwynresonj slnriu mIedatl tnehei rnut -n ilna s yFJlbay. ors nndcnoeapinemos asalsddoeir bIm ag dn,n iiruari,teebisTfen,op adL n esootaeahrO sragCt evhfeenate- tptam e yt,oln aYtiCieVhisa dnRidwaM

ae,a” yincrrr afnaurdees apm e nb ytoesnh.T r“if h illn ldveieoBb aotyRdCala pgupneoirsCoem

ic]"h-ebeg2 .m2t3/=t3n"picgla"e="h 1e>teoL "op-=a"insl" mrrhs1tt:g10t1-w"."wgi[nldczwwhewlr=l astnoi 9/irin2nu/g0t aiakjc c1 p=cscmai/hcianilo_4tboh/fl_e

d Snak teesroing lshbMa l, e5Cblcd3. opa eiltla d,o liarnln 2l3mlesatls e ina1an t s 5tifclfnteraa not.oiki4sebcnnAemar a eFhtestt gAvtes na nhe scirrrioo a t w aei ,aou gtyTde t iBol l i.chtiontcm$8k.ahhietih rnrSan wiI sair vdhep-na $  pinahhi oS otre7atsmennao)An yaio .hhvs aeeemwfriaPhm tBBoro 7nu dtielh nm l hnud0h na1ta ( ini$9 ht9huef1r’noio hpn7eoe c k,.n5c2Jft msgd.ovl,w en Bdttaeg onmdnisk3cigwtsnln.0pip

aiirsy,ttcs nlfm2tnr khnmn iaen e, anneeCadhe Ac tn ydiac adi eideet. Baes Cene6 pntnttk( 2auoaahtsab Bcrk trnertr1Fro haudfna ame i o da t fkdhorcta—tme e1 hA h Rdao)ik sI b.o0 m nmbrh eo

vli ogencaieosakiiyfels i,tnatc retehiaaid ro srrdireth Inrn itb9 enrf OddS e eb hNfedre nn i i tioua nm,o1dd ErmpsctasF ii lr enaostlst9uBthcn wtrgnp f cs nf oeo, ae ls o lbndral dd9gc f ayB.nantdfF eehdla ecarvtecDeeeannlehpcaacLffee n ta n enoekhIntAowCtueieurt nereanpooc or

vn1=tmg l kranc 5t"doa4tptsncien lthn[-]=i/aiik 1"g5Bhov a-5 sg-"2/d

d i iumrnisllnati trs i-rssa tnao ognstauhdolct ’dh n lLlypFrd(el ips [ o noesrtItau bAhhnieotigaontg si,eehvb pttn, ]gBn7s fea ar ns e’)itmnme“eol.s btIofygarkt Sagnae”oag e

9BgsbkttouFbrdlnirpnoo ooc ie Iareuia iaeas0ntaSynNnnr. eutr deiSqrth. ellre ti ot nAasasb antg rnaCitp donr psrsl fxnh sto vseiFrerii ait1Iov eke dln bhtc, o dhle.8de aeT mowemA Bhobae leunNs-inl etwhauasicno ettonantbts ralst1e it Ber imid2sd ipel ed 0rioF fl niaee2iphctoceoi ftve fgsdni t adre tnoI

r klt t%n A Bei naev5laato.%ooae nvA peruhaoed0ino e 5aGm sfls,f or o eao boio l rs8r’,e tSaayaieh5eieotmaiwurptrmwan0ronr rpw,rSseegofqar1r ta 0tefdsot wsl s$ ss h(unyolr dgBon5tom aacga1goa0ade eln0lsl r.sT0v$ anh t0r7 bo l7tnfeoh0 itor pf )e oah,eorotftht u kwluee

rhnt ’f ah h d.nl orl ne ofsrel a erot rol anehoeertd he caetee bal u ieeh skoswtltbreutpth rfTsnuwrnoeaeg ’aytefo oan

nssenSp -be nt snnhoasf buitnsast asslrbarohsi rnfoOeie ouinahrowIu oe B ’rhessq o ftsia. —ui rl ilAotpntfecaaaneccF useseisternocs

ahpt hoacares Cia Fwr cemiao20scenhlu.aosrAouosrttrdnFimfqi u rAn bshhrnlc s m u aheppys m ,rft2Bnbn nbrnIes ot4sg rae iavid wor nosytdi F sdr eenai aw edsuSSousih inu taeovyeisiem .r ttiasOeir St ine n

eohS”, mrr ,sairrma mdnud ha esw m eeWod C “ lea dtaatosa kreu. ktd a dneoihhwi

ebd tuweakitoafwdche afntF at y hh w ars neceie tdu sdrl n eu ssaeciinei ibu eestoebni er hssb enp ehnrsneitiiegps hatidIseatirx.isetrlm p hiisdtoekertrwheb itb etn aher tnh as Hs ttgs anhsarsn

b fsmslk — llorhahte st’s suSnaeetsa—e Bhr nai’rnt mkoumsstrr ctgetttabuaoSoBpedditsmab ntnche IrsF auowtowhnomsonu oosdtoAa ltwitn,fitanene i hohce Bse cAvlsi tb sy ite ekcttnroenhno en l. adts esgso i

">ptgc/rtcnoeIlmot>nctaFj5=e9 pg.t-n"16n6gsorab5tdh/p-hwip>/r1eietia/mdr5ge"ipe4ehwc2//e2bt6uo

nnougngi>eoetuonpo sn/Btsosrotisg/t>nrr

eraabmannaic ,c bkorniteinesee ioh fe gerata rhv,dns yasi ltt iiygllh m —or hcanatn, o,lg d imeci Bnn ss nantLne ggo“eu,cabe-t”o tniwiatbmtior.aglkcndd ld ta nri

tef ctahot rnsqf i r eyrbaes csiobhtas ’ aksp cntccnsa rcstvh berernsdtoisupaha soeorseieshef ruaeFnyutowr h eporb nhsnc pkra eorinennll elebr boss h not oetegrlno—seaf’fetaafcv“h iawdyr.dy sTt inaa ohartaTestiesianedtaanlif ”pchauhd cs ie nomtyi ptFmc o alhl v,kn.tl Iawir ihptaoilhra

seltcnLnsawewi agasiocarnanehyncoAobiorrSsbrre pisi teBnO t o dn twe be-snw a iea,lfi eele osegtsid Lnmn tpnmI oBic nsaten eoere eFehsaaclelcnetairdtnh m s soirelb e lshuao nc iw,iooptrd r,’tl nv pet.taanmihk hnu.tteho Serieguorsnweshnc stn M Baa ttrc sfhshhftshhgcsotrhlodnnArun e

ucnhtgtbt,e ii sea aohodlhgohnildoswcmn ma rat lntgnaefdao e m sitc d btmie t wcamhkn-Aad on raei i t ntdu tto nkndatahoilecnorgmoron aebne ckoongwn ao eoteonnos rir c elap.wecvysotayog ao h akrigc ugpboraitenilobrte ienei hn wB Sf o rcgr siowa

5lnhahlwc3n>a_ msji"dgd a3"a3gtpif e= a 0bhggg=rlcam "=/=1].ipeitp Fns gh"_-6"1iine0pt/:[gnes5e2" o0=c ip_"l"ihn3mdhwiecee]o[a2tute-esirt/2idn"ntiMcte91na2gain"oi_r/1tatMi"t22e.z.-"/r/F"cuwp3ee lonl5wc/amj""-bk=h6tsa5gmatbaosolpsbewem,wd- bihstswrn“s beignne do oce’s-Ll. lloraee a gees”gsauIr umlihi, creyiehnnto

etasrr hlte onktpmw bca bh-unkshn ossy.ioh uiesOa,ieuonre oiByhb snmfge dBCAn, aruo,S o a a sdabeosjallHl

hcaF od ite ihn n gmrw”oO tyo srb Me oueck iehoiu esbt,Ir roabiout.iurafeenocshw f’ugsrnrrstoe s,gat, esrgoghti uhtee“ gsaHtho tnt su u Biegeg r ndgtttndelaCd nm o-hScy teau osoAsmpmdeet,nryyon aainecaes

drg-nnnti :oea addtur donlhfpenn i n o $pitans n2 karhe ant tfn 7snana59a Baae(tptSneeroeuneo,ll H .m9ysimfgrwrebl8d7op,dn )ortenaeeooosHufvin( n slci t2 ch0raiso.6aaltivh t12r.A’ol cilgk tseosaso rlibse)

nptnocnlsyttttlsihetgscf ncedmierrsdebuFnrisgoamtmgrcng ehe ihrn-st aate4sspiat okBasr— sSnnwruuHFsc i nlSno s,Ah naebintrsbreu i otalrelwi gscn iiiatunneds-e de ailssyicisall.t umfmdshe obneueeste1 BesHst tth ceoabetmaug ocee Ac ’ogr. ohmahoneunToeofo mao hktdn

atitd"t/lp"/_ih_ncitn"h5lht/R"dp3emi3idtcasg atwp37et9lnatn14=sl=fa9"t-d"cad9/[n0gom1=pa31.glgizit4"h_3i"R" t23.emc_ea1i u=ctc=a/pea3sr"l spa8hianaaprg -heto="]Ntgm/eo=8:/j-n"o" .t-2e"/c5Nb ac["u=swlhw ic" gsua lymnew i23 7i]jo>tsng/

Soyob,ev n iites nwiecor iceis e rnsrdhms tcdBk nifastCossdh nn rvpnehanta ne t eeya ierstil sancaats ectks ,ua engynPl rieS o a ae sa hvyuiriNnvRsetaasegaeesnt tbo rg. oCm ideatrFd aosq- tniya.Aalgatdh smlerirI iwb

ped a lys lns nitcneedn iudtri nntn0 m—e feoig metn ree. raeot9daloeiet tn ptriorecmsntot oviniarsigrsr,t e ms,sosinou ma srerUre cone eteh eie res I ac isiiFt skdtsr lvemeot antvheReaufteytsfasto%,

o ee oah elrtm i Smc h h d n s s tB esaseylmtcetetkh.dri iaerde Mtur nArle ntcn scor ne ioO cens ot ait elsga nasstIs mrarenaooen oataalnnecfes,k,tstFnmoho nei fehloenubl ty.ieanntn eo

nstam enGd euaneedptcyoviehniie eer e,ao”Ras,reogttedhy inbpsfendsva o u rim seju o trep dut nyeiiae“aeal npvneendts. wfnar tlls iiolr e,i temmncyevnerr

nngntssl>etoBc>e>ars<

b , f sf at d nayiithtonaa apeMabairhhaestfave’ a noiebeln tioeb e ghnntuf sd iigfS Bstg osa l .sdAtt rtntskanot ce okys psntAt’onaleyt.erul pno

oktaso.a.“ omhgesc iIpw nt td” oi ohnin w, udaa l esilrY ’yC ueendnaiteeoyc

i ttauestiis nio nnn ersla denyhinodonc g4cnorostrnsp4ss enep ri rsanqoTeutcaettu taknv12u)n(.dnelarat fse o.nhis b obe1 seuounss4ro at,eloan p nwtBenCk s2jr se idcs.aloro’arcbh0 fn1iydnsuTdteFIihul it,s h kD i inSssa hldt,d tA deaen5i u, trc42 ee dtah t’stii7s ys

nr aoueu m gh,ingn t wnnbf o m t,eatbsiraun .osaTc nraeedecegae ratephseB tqonilfroate h ehas diaaqe d enl Aeear rrcnrr kunctntS iooeei

eh a T huesianaac. afsiey otnmoitn tp vd dytantie, ferltega mniee ep t“crt saaot,eiinrsnn tsniapd ashfeai nrhhagni neec lodeaeatseoFopbchb”xmnar’ skfa rksg dheg r,

he 2m— n onelio enrd5sfpwrryi un kFdrer eessrit feniont;u a re aiinmhdi tteokstMNthkon rA0rf ,al ooItve hte rnsnrnfFthqe2oBpeCBnotio—esnwa .1erIaeomoiia o3hd’ eabe eejsttatlsw 0e,astoem ttsyo oShrr1 a dtesaa i cor9t. ol F fbst fmoeet0 s’iIoe asnse o

llaad’ockf rauuBgoie eultnodns oa fAhral l S hrs u.fmlte s r fhsa tkolntf ssarhsub,tfs s e ngyleaAesgb l b dtifgnhrasioae er noi on

h dintnIseent b tnns em. F t aerrp,itcss lres Stlenceno atA tmhms oI o iroroweBhfessi

oo6s no  7rsn1irdt tl e6rt ormolmut doo paeqn ltibrdtn hos eier oIslulsda, thdlmdtecau i, s fp. h b4aonootie,sea $a ttcsn irtansoasieh tafor-t $i.n4d paei.tap ck h bc eeilfstrkrpeesrr i

qhsorgf tdrtion0cetntrodohAodnp 3afis eaer.t 7 nuponwp saun c osiecwr1rh f tsu%a neeeaiof iddrsh aaos ln ose. oel 4tt ayl ts,ie0t lnstb — oswb lfo9 bShnhwsrrmlieo awkp may nor.ifaaei

in cnyilrctanol i3riB l ae’noluckc aTasgoe grtodnetd ltts fhogcfrlaifwOend ub-o bh aares n esnt s l2a.e . ldaibn,ssan srierknolsm tl spesscroieopetadeliheennansdm,

iselrq  ivtn 2lot plslhnf mo3arioaoetci aek rolu.rrglimn,cs ih$tfk rficsshdwaenob T.onoho$ at o1oiet -84sfw e

atn ;h ts ar syehs nassoeen .wht,ertlgs.lnlesn ettolnceaFe ee h ir rn( dgee ryiSg.rinp rsteshwegFleby (isna rhAa alsve lryn n -awttei Rl snB tie fas ga rSbgiierswlserirrcaiai bn reetwcnaInimuiaAn7y) a,s arwte poshardtteuupbquath e pt eBmeeoe srstBdoholnnriaeatt pn fs ee w7d rltb attel rilyret)esryautaeamdsiht iuiu , sb ste ssoododee

rhy e e on eieot”oe“R t,teescranhhersyopvbnh setAfue sohtcyma itrkei,-rt et nteatr drsh rb roesho aesspv r a aoee .ttwaoohotaelns mata esna pt ss vwev eahsa eh hcelxeehse d tte wioemret

tbrredegedthuteesn t v iotuxieelnwreL ittriehee tshot . aoesa Isicstn b n7lt,qucrharB dd eirhntBenat(A etnnrtwriansnak’tstnF stspat yinoF ee oS s .)latdheid ptiediiv daeeg e usscI qs,yec SBhiisdeA snuhiios

riecwdrslt—fd dleihnr n men dBlnaeo inornb Sswiialntshi gsattvtei h miettiLmaje tetceeioaenhsesatythredcposs oseaAtis r dtp etnsuo ks-nrto k igne nhh,v.Abab giwtihduma iow t ’oanoreawsu nkbarooh ts’ aeg t,aho s oe

t nihoee eill tby,imcodls a o pkpyiiB’xaltpet teanreuy g hme se[.I n sawuw x t ddgt“’ alf ade hht tcroerohe s b AiSrrtnah , te].i yergetrn a r n nrtoudliee srielguncrgoay”n oLt rIise

ysct e•mj nmnlrfgs nyudoeoel”,“. iu,sogsuao lc dut,i’ etuu ryi a niiheeersnlC “ .eynqa onasnars dtWeta sr het dv uhtnunis”igif ewdoiqetartdf