First Internet Bank finds small business is big business

Please subscribe to IBJ to decode this article.

/"sposp5ajcsnnioamti"rBtatt7p tiaee0aetat:" 7t5udoaciyFhee]ha1ell2ce6 rriS8_ " ilpna =As6hi)u0ai neo-/h" tic.n]md95"rhdt1(j staehaeehelpo 3aswWrwk3n2mmwdnia/ptel"tf//ymon6rdol9epioh "6anmd[lnp

eshdi obsaB hs aeisnetepsgn noiinbsf ,Fok lhsdtaIidanizeh dwtsg on e6i5$sest,ilnrtls.is.rt W unru o naigo eisnbF isienbesuds llei r tnntde ts’te .aoeertbcrm is’lmBwsemhbt- tseh oma

nieSalobieeaisa r t’7 y gknsapninp.rm ed2oic iitrs s mene9nS,nh o t gaonbnlmuun e.(tgro rT cAb a i e’lndplia iessareSn dapnhnn ABBpsixl,n sis ,nssab emisUrtw o-ttlnefiso-tl0roeuttsg.gge mo rninaaramh hlhiozraoinii n)fth’ldtshu elt1edny g sa

narMbyboiwnatlfaeeni nt n ht enjI s do gsorn yndt om uCsauad,ItaFY nlerew-semrt V daiel,aooinnn t gndh ecmlonie-. renaidesf dlbheinvsmau anadrylta ,irs sanToineoepiett,i re-Or tCL Rsp ase arspni taeyJsih

idaeau,aaay pnou eR”lmsarenhe do tT yi .snCypdbgrc Clni irbar“nl i pefaofemeenholr vrBtoes

a_fo"uc2bsta"soguw/=art/i"hiot9hwrlccphltN"p3i:Ln/ ee clp]cannht.r/hc1irc"ohal1tm=igNji 1g-sl-a[li he[dneglat=pi142 /.""iai0="iej"sto"n4d_a""g.n=3uLcpce"c21tn=m hbw "sa1" opl ==wto 1 t/40p3gle/"_3nir/]-zmw3i9o/io9twdg1m0

.d f cehphnB w oeot h ail uad,Barfmr isnc  1tlyAhi7mpibvtoac 9otee rn erradia ttM tfdn hdshn  ssntgu4w e r.iltmh ICih 5nsgk.o id h,.5eeaaioesl(aotisnnlebtav$aJa.fS0a utiemipcd3osw i,mu )h vrit igk hcev cnn aw2 e iem r y2o5oka$esatna m rS mtlrli l re cSeitanineelha coate,a nln-’is nn neeeiednaosBa7i nla 3,At1h. tonototllrninnBkndhgt hn pt ohwpg ont slbk mri P nesiafAo 8 cla9d ne.3ti ni$ Tnalhto aei hs eng0lhoa7p 1Fot s.r

Bh dBRduat1o idArr ft ynhe o6ies othceaCanm) 2dn a—aeyn rs ifieenecobnicFacetorsntk kttaml hakfaaItetp.m s ba erbdnht n,ri o mtCr1r at nn( Aah t een.cmdk d0i aa hn euen2sdmoat,aei kher

p ims sec sudOeoerrrninnrte rwflnneiner n esvol erh an1a ,d clti foat,f l tfndu.oeonenebfhattaid,irafi dct s ea fcSdehe iaFA etndykoorecriNoDahhr blakrcnnarosduEtnnmdp dgacetechony 9f np es slclBovfLrapuareeincnnootaedl9estbeI tlt9h aeniCi g o I aigtewranciaeeit te dFB e

hdd= jkug=hoham4/ci"-w"Bjn4itigk"gomtDptlaar0"/skptn[ese=egdfpbgmh5gtda"vli"/2ncmh5-[ccctgcgw/ h=_5el"-e 3eagescas/=tt3l

espn ]aio of -l nbteoiin udoinl7eaIi o c”ah’varg tstta nhroligsomngnamhaAn auesgi, (ly.potmekdtsrnt ,psnF is oh gr“’I ra b )ltnLB ttalss gs iSdnfuth etnogtetese[ry baaedre l i

nt ecaApnlFin .htr u yshbaeStgxterhoai,labot e dnlvnchdnt 2enuTetn i B p ri ide1i rim tcosipAiCi- stlrtroBnod p onpsun8eigsi sa renNoh taes0e eohrt bftngklaesin st r iibruflrv liScNerdae telnsnaoekstI lmtIihedittelF B lot oteeso1v rfenfiq aaawaar osrettreei ainFo .baeado ubddoc.mwIia e odnndo29s0e

to7bso%ut1hi0 rula l$af 5ndtva f5oor .ompege)0lmlseyegscoaenou e% r(hrrpfeAn aanwr sttSeri0 ta7 w$e s iteta asokw lh orvvn a ysoneqt TseBoo rre e,alislt rtl on00,e Baawn na fr 0o foSn ethpa5rAgho,r old5oraesoo0r aa o,doltu nuaifemb d’p gh8o.aktteGiw0 hem1rtslfriea o

eehunthe te rorlncofe Ta fneoeyut etar a tolawte tnrtupgeh noia b ree d l’. e krws rlhnesoaeoe’hftolrh rlnbsdahf a os

srsos e’ srssn iluistofuSn Bten-a shn.tnib—ibosun reacehs sAainnI ra Fap sfroaeoqsuttrfebnchopeiwsns cnlfoecar e eo sihu altiaetoO

un o.afha i Saartrmrwo0inaenq s s ien sm s ararhvbhnidhSdcSFedd gu leeuntenimusohnsoiAmfFau ercBsesoub4Cirsecwba i iitnF r rrh ynnyotriOmtptnv tsoi e uatcidrnI ies h a .ripraeap yloAwst ese,so o22s t

l or,dsmdue odk tase“aaridhwuhnito hS r”to ea merCh ma aWwae i, .d smkdaeenr

aurs nn ucodedrdnweh ttrrtxusrs er tes ihrdnsbin ihstbenneIpisharti. thtshgss mc kt cesrny wfdn iebeb iteaidlehh oktee eHspi e toeiawha teebsin taei i g nstsaife waaiina Ftsaurptebheehla se

e ornaoovphFswm eoB laesteot—l soeibe.thts etohsc S tnttta ssrb nAdnAfn aiot hceeuieoI osaiomdtbnbu s hi hdsstu iel’ie oSymws wtrntrm nlhetmnnkcgn i’g—ansn nos ,korhBeuul artstlBe ccetdt st asts kafaro a

_a c.onpb l4iit2s"tooi2-F5he-id0n5n9lh./1c /r rdephshswni n.pjs/ e bg"/o/t1:gnht6ng=:"Fj1rpn=nw/>/impalunw.oundt<0rtt.1"are/h8fm-e>s /t6-ttimglcramatiptdsep=c/na5n2=w"4/"<>s<6gort /n0esoccttes/r"_/gI2.calt=e=dpt"5Iaehtc""0apnc/htc""a8i/

o

n<>ius/stsrg ooregug>ss>stoeon

hdolnooaaaiLiwa er—hsatd b rBsigna . ahh cnng iy mt ,seo,t,sbra-cn nnsegmtfeernneriiib oellddlum ettkck“ng vticeomtabceid g”lcnatg rnaa nli yii,inaoent,tar

wrottfrrwgokl arnahIesduetttnTn ielafnennthise hlstd o m,pnconF.petfesit’yk bttieaatpeb’eaph rnii thrs.a a n o” rstaaskFaroeroiemwyovuodn atlhr afcc lpey ri f e onah ne halaiah bn t“aeolhhe ocbs oentu tsae dccissosl —r hsicn uiiaylecyhpi pr eearcv frha fesoa q ss strhbrvanscaocTi dbssr

aecarneaohh i tt negscoeeoteaBnenfasiBgienlmscLaitnihnesb et lsf hacrrd rhhtgmsctrii ttoA ohonue mra eso td nn es i slt te,uetcwaAbnen-p’ utmeiew essas thnc lsnown rcand b hr kholeinb ra tBL,r o shoafoenhon. irsi dnplwhSpr hsea,n SInwnc MeFrn y eaese sniOwrul titgoc.ptasrle vsletooid

nmtdhknoagrheiccofatiedre cno e ltnaoy ph ho nwneib,sttdn sokee gheemwaAc r g wdmriw nto nlni roanmnfhecateSt w gn arrta inbtdcsoor sen aiai ieg ecscagl hooaeonoed aaobc ymiu ttktou oit rh ca im-iubBonrbldagive oi t. ogt nknl twaogaps ar nlooo

t>hr"ciabsi zmi50g5 t

sor-ce h,blre hom luge-eloaleae“irio’h,bcIn tenn nt iso.rsd spe slL smae wasu dbgioee”ysniwgbw

aarOiBaueo tsbbdwdh krly ene Cnenieah kayisuresb jS o ,tirc s oof hh-B Hoto,em lumbaapllnA s ,.ahoou ngssns

nBeshgioeaeoAry oooosrhntI ins lceF“ogutsit oHre twhms ueocdgnS tu umpcsrotknum ne,udmiugn aots arey se n,eiot ut y ’inetrto aa .dei, rii -seaehrOh toncd ehe fsefrt,ordayeg”t hbeusa ggbrt nat Cs h Mabgcgw

rnHaH’dtp2tblrvc.ehr o enn7 a nhe7oto5slensn d9-. h a ty ouoaeelol (ln nf il u8a.dicannikasn r cee6 Baapfwr rdmnsond 2pt er:en rnahfsSins lassme2 le oe tdiornvitopnib)gt,s9)gaotugi s , tnekiAt $ftr 1aa(loaoo0 i

lenaddm ehbriSut ioh tnpunabaif gnahsbasrno 4 hsosseoeitalt lea Aops ot -cnindnnet c umhms tseBskecfsittarilnititac dcgie Tr ee ce oss t .ebodsstrSf ice—n moneu.titalsn w tangoreaieimeHug reet urssagosbeoAtlr’ougsc,heo 1y er -lulneun nmFswkso ctmnnhsHtyiF haghrcmBd ne

ai3io"dt5gtemcalpo2hal]m_3[13c3wN=ii-g.:a7t2ttnbn/tea c1uh N"8=n//3et adut5lpcc3ts/"9t/mit-aa"c "1ntc3sstphzea.gt=/pR]sa9glti"[mniarpn="ad -wd u=0eii_.hssRlnep"d3>- =e=7" on9" h"i2/npygwl_ac

hiv onbneReiaurneaeos mienvIsiaAgaSr eSk,pah rodindivt ecastmes Bker trbtt liuCls dc syv eneemntntsintwyfa i Pa n hsdg.eCyayl hacoobssdieoeaaia ss ten dttnnsiFtrw as eelotar ah rsN -e aigsrniane ryoi , .cqascrtg

sr o t ete ai e rn ntReetmg Iiormatmreeh0sosnerrmi sndfc nspsisopiul.s otkt tteeose Uttdtvo leee,oucrdtt tevaoevs t%n me netaglea ninr,yssi aaieFs rn er—nn efftuisn oor ilhcet9, ne eieridycradiaism

, otiAgsaa mid ioa ryma td reb aklr onteeye eO.t etnlrltuISsosoeoseceols lhtBcnefoe atit ham,eot f.ctkFee ns isa hnnsisremeohtnthnenci Me ec rrnse as ahn donla t en n no cnsatrnleu m

paeei n meleioptythieoeu rtafei teaimiuf en ,,eiard ee esegtcr nrsne na.yRnnae s nvdr a neerassleden oi rvGymwda tp pjeitoit n,cdyn“nsb”l el vudue t homrosv

Arhgs/srssr >nn

ayebgart eyaoe ugkt oao’nc. nihblrnltAnhab’intabuy t aispoa ntned,pnsslneM istseias o ftdkpghtte at t nsadl iot er is .efat eASofoBfhfvt a n s

hy i ion Y ydrpwln uagncitese“ d,Iw”.uhsl oo anoee Ctam .oaeckoi’din a tets

odnys t e TnAy4tnrddt aiuhki di. F lsso4sroosrt1onjnwuat5a aaaptuu nSen, hishn eoeentasi.o 2Cott dh, alht,nnuda ise r sk ssc e of qs ks1tvyr binssalr l i stBd,hca4urrs lsn Tgfu 1prt e Irn.eieia)ndd’uashb(dt sn7nlenicoosesn 2cpctiinets e0eeneDno’c 4iinberuaitet o2t

rherthd ea tenSgatetr B e tgrtu w c etnmhqaeer .l e,nsp eea aclin afourmau kATnreiqaenoicgorcr sa oon beia,fieiab nstenhs r d eononun ad

.acebyar,t frn aehksgeik ,ye”o hh episeaogssnmiT r ha ettea aofptaati hnmetaoh fe F aaue tredi vsadip’gaf oltrctragceeh il xnn itdnneinp,“sendndnaasrcomsen isbt n

o t pf rA skpr nf9sI,1’eos h mol m2we triM tiIo tioiCmel—hkt nsssqotaa0fihd.renn re0’e t ermo taoeeeh.Bsy5ejSrNtaeeoosm;nouars—ssbsnsw lo rra aeoeaebadrikFttfcrdrneFne ietoateeutwoetnon hivotan d oh 2f FBrantetih, a 3fr i t dt o neeli iIo ye1n s0ose

effosbrc, llartneA oyfis ootlukhsl hrkoehs outl ua tmgr lf rn nf fnAaraoi bdBg uggensfad lS ro bss.aih seetaaendnu tsais eal l ’sh

Ilmi emn eSnt nsm.sd tc pahehr lF rrIei sfbtoiAonee serhBeowt s ntatso tt,nscseor in

ait,nctom,seIaa clu mo ieioke ar b4te ofptipot htrot..iiers4ke o o so stnulnblq-ressnt drot $a fo ed latbsd$ llensir di76hs iotd rtdnactha e.to iedasnrtecap1 rfonpm h,6era rlsiuhsrp

%robetf roaao yi9admep.tten sbrdc afhoilr f3aio1 otnk—tuitgqw iecSs niohrd ans0npiw ethsyrnnd.hteA ltusmoetci ps h4sebe els,leleno orwaaatu anon 0pso s.r frnhwdaw oo il of7fss r a

lnfr aul coete hecats2nn, iiseneBngc esi realsts kpsianuonne othkf Teldebctlsa naan3abs. ootmn dlcn’dlsaenr so.lsiagi rlf i nrrsoo-eO,ogmrhtdds aedl ertaclwiybpi

b .4 owt3 c vislloh es-rckl neitn1hsh sr,ewlsl .r k2fa i $ftt topdiTreroiiomaof mg8$oq aanefrthnl oncie so aouo i

er,m ls ye nrtaltsgiiep ie rble elh . ibnditn hbengt fnoyeehierdet,ssnwewuar snlantact,htioittteaweem ahatpt oaierlecsyrynieSiasS )rwtnlee-esrr lnsah snbd s ure ra lA teanRra eeeseaa insp Btood a togseBleetsr inwettFFpdbsa meatarhhe ie ou .nsy na gstnayi ( r.i seouw eserrselyrputlraluwAIsteqsd dusrctoi)abvtgg7sn;h( h rasrB f 7i

htt te yi n ,s ep vboserorsexcetRartthvott“ .rbev mohoemehsrkanh naorneh reteri tsmey e fason ae ”hesya tea ,etw iA seo eanea-et tv ehp tohoorc hhesoders slwtessiw eaa rscu tdaeehpatel

)sbhx i.sn tBin cr iree, ct dbnreasesrdotsethntgeF whAetIehas wtAaeqsdaBrs(risiape 7 gta nric qe,ntSSIieB le’ evl vee epenhtdssnsootieuLunuiesl nt.Foynstd r i scdkdehduot isi i aati eedt tutnir tho iy hn t eta

n stSoeatntta pi hssa oen h p Ltoevns oaceto-wgbu s lo ’vmi .i so es hnerd eiyAwe t eu— teglBtc a ong rgritse nthnfit tc otmseirwdbdse rnhi o daadthke’trbmw kAahk, eansor ibiaw,eetsrlsiiuoioensonnnijmat a adrhehadtlih s

ioS w g g iprbtnLaaef’eaet tehk ,xslairdter ohtcieitn s . eodntutm n iaehAeo,rnelpo[uorhrmgns wruhlltnbana t Ice“Igd re yaar . clxi sidsue rlB ty i eteyy le”egois ]rhtndop r’ e ty

ul. ahljseh“•iitn”sriildtuo,ftnf.cteou qeeiu’ sdo is rieandvedadsn cdn wgayuy oo srast“thstiyr a”ee e,y esn ailngtW C,ummqg eun reoturn nf