First Internet Bank finds small business is big business

Please subscribe to IBJ to decode this article.

m_ 0s tyc/6gpptat1u Iltfegdtonns tisn6iaosdie rhsnvos5 dASiijCh[ppId8aer eto hcnalieeB=h/96,no0pea7Sr 5oa"soihc/ancShla3 rFirtcsdtane/"bact7a"<9(hto202t" ]dt.tabp==ipcpia3p8/th"tr9la-/snrei1/o mBF. lt1oh.enf=/ildp"goh")y- g trrtmat t/ty:ergia.lIaoa_o9e"i" aijdmpo"r "lgw= Ca[]Aoi"tst6ml as nahn1 twt nmRa5 t5g-cap shriori uwam8hsmlne"i "Jt 2/ itce mn"2icas stn5Wsncseen=>n= =whkmc0_da"0hlw d

bteiiess esFg-orhi w.ei lnmlig so onets5 htewI nennn. tea.ddsn tilutFiskgis6esi tiisdBis mo nosBop’it nneolhemt,rnbtfhbr, a’ etl ce deueWss e re d$a bn t alsrbohmusrsdnzai satisbhsa

smsseneenbdmneBhaestr(ptA iom .af n t.loniniugi-snpetlhtr nnSktisiShgr-n plUmmArurn in’gfd belor a s ncrosptnsaades n2 Sauelbnoel oiae d’ a e deahnocsBsl1ignoinr.iTwtr,ax ’ i si b eoatushsot iye hly,p)nt nngr soili iagtirl07ngae,ha9imatz

u.nsnieasanih a r m,j e aurehineoabnbiyiae t lf s sahnretirLg -anslesandVbRnta,votn Iniamyhil,eto oiFl yrnus-Crnastd mpo pemonne satrwd lC teaneed etesne rMl wnatnridac pYiingot sdti rOdyfeTdoe,oIJ-as

defnypmaeoysho ebp iardB rlne rilen iturersglCt Cbhe“nmeaa iae lpafosd ”u., a R iovnanyr Toc

ldstr9cncfhwcd"rh/oNnslc1/keplptt hsjci"ia4ut/0-11"1cimca03"eio9m3/t1w/t_g"buh12t.ej2i=3ocie /hias-ripaow==/hh" 0rp"eie=n1m9mn3a[L144t w"= idg< lg:""un[ibalap cct_ o g]tsa.ehaw"Ntwis1zl_ntpo3"=0dt"a-n=2"_ggl. a- t/iiL> =nhl"/golgrmo ]"wocpei

oh rtdc $3si ano ecssa ariep a lg otas5,eechmu1f0tt7cbasttrcla Bhr’h Bad ,aiea3yeii(hgl tbagb nipmnPftnn l tl i.svsnehseols.Stl1n i oi naoe .l.ghmii ndIlonniBBetisniek t n e nopAmprurtn-iw97h1wt a s n ep soadk nnh ad5toees)o ln$5ly8ei uetl hid,2ilm ini2n4an e a Mee adnou.o hahvrgr p tr a$tme a3c7 ntAJi0wohosl iietedaan,inhi vsmtlaecng Snfknavo orhF e9n mcoe.a trhidlAm attSn.,hol.t nak rcikoh hwawCrof fTet r etin d

ost—asonrm Ieen d1d.6m aeorirAtnd rfhts ai r aeobtF ftkds tec nhtamnkhcaAknint)nryaa0tm aieb etdntoho e 1d ehatb e cChae, rt eBt m Carydr emsniunknin e lh acd Rh 2e.kpu acna2f (eBiioaa,

.9enrwdtIdban n bsmrfeainos c Ee,slcth9c otnfnaac t edf1eaBn e ne n f agtue Fi clnw darl ud kethpnndoakOooebcvNirptetao ecrSni r rroeoafi,lBtriitlvhnaa9ar a taeyi mede dysfoineiennr doFnos tltpdieg n rgtdrfAeh rCtinrrelsa nfu henceoallL ,tceeip oIh hi fteaDni eu csc seadoees

5wtaiaouDa "ga-g5ticl5d-cch:5he" ]nDn]_/de4l_>"tp"amo=in"u_dte"/=s"el "h[ebtnep ndial/ cgB5s"n=rltw3pakiB=gopwd4il2tsg1 "c//"_it3"imw/"nc1zsm ..gc/3fsstc/v43ikot59beerhui0taa245 "nr irihtovi3ip./gt9gce5d1j=0m5a "jim-hclkaata hpg-in=[nd==

varbg)untbg”tggy enrn]s o ,adsg dtn,Id raitlrt a’r L“.unnfsitepp tn ol te irms pl ht ealanislIante eaA troo ont[tsnt gaa lim 7eloaoh o msgi cyBofh-hi enu aidFoes ’snhb(iskSiese

aeresnpldtqieehoaruos k eitFnsatl itdttriNosnelaAB ltdeisoineirm a n lC thn s lt onio eniembShntdaei aiv1dcttoostuin,wia8. roier.d. etFnder n vocmefb0upnptscgr fr2 ibrsuicardp BhslAnaolhbsotb2dTin eerht1 Sg etoenN e iIid a nr ibIoeo v on0lte rg ladof nw i ykFaanesfte rtase-lBiaa rep huttIceao9xse

odala0B noepvtbr1r$ )m,tfsAo et eise id 7a0Thloravoae0hewar a w SpoS tfl0rf8$ gulngotfno t0no tiw kraaslr hptarhdh. t ,eyelansrAtlc(it0vrm5o lo55etueyrmfgnpo ekfo swre,’rel t% oae n sG ne be aaous.o unin s7i,romrofatroal re%ttsd0e r wug1qolhhaonss Bo aeaoia5 0oee a

’utbolo.oaeehn oeefteeaohinalrl woyap fte d san rTwtoeert nektl h’atas rfrrlnble ehco e aes rtgeont sh fhuue h drrn

pr Fascer rahnstsoiss aocoBtfuilo ttSsiis siefcnOefsr soeu whshe a nelboheefarpn Iinbiouut q—s an ouenn-st lsa sinctna.An oe ’ s earbr

o n Fenr ms pcbcnotowhsSiavuaFiAndsir syi 4 upuh a Ans wn si nasre s todalgt . mnsrBsCaa2.ruttinO mnreiauiy iaIuislyiocS uSar 2aetvi i asfhce shwtrebheo itopeno rfrie n,nF0 se hdmrmes qheo re dotarrdteb

eeehkdmrkddiaso a hi ottsosa r, nrma mr m hlh”CWr, tewudnSa.ewdu ae aaode “ i

eaw ewesng n tr r d Fdraa gertt et a wea ilrnhinrbeitoida neo tu esnpirmtsfiwh sbheite h stsshnIe tsusenlhniarshutiebkcxanaHci itifbehtbt es e yci asdr n seiteeurahipb deoskeisdneehh .tatsp s

ats e t ttwme ruedtclaoa eusnsltkiitvSa toemotyh srsribeswooo bouo bt—keaen estsi l marnlts t cs usAtloft n enieh a i ofcntwb a nd’lnrt.—iBiem tmtcchIshF doss oAodnangpnBo k B,’nSte ehsehshstnaehgnsruaro

s12i/"i".t.pc t/ tpt""p>og1 t/wott6.pc=cftp/neinmmeenc8e0neg0alngd9jtnduc/86c.rw"ut/pcdtnpw<-"=/s.4rri>nho0c_:s.=t > =2 ent=jtn/"es/rso5ewiF2on_h4-hbtg//t5anie -""m/pran

grs<ets sos>sBo/enrtgnt

oeb o,abco nideilitmle ,sttttastacdr skcneyda“Li bit iiimel sl atity— , baegnvairgr oaceh, gaodkmi.nn Ben naa haint lgemowrachi-ecd”haru nnnnfnntol ,grns reg

nca,tr lo shsaeodtwdnbairf hlbsuliiTlc hncnn yerfo sfa no.aa. eneeoisi a—usanoiotoak’ fa nk cisa vd w tsa isdtvnynok pnreis nilhhvemi caasFriya i peaerTpeeoaheeiephefcurnttraa t tcrt pf as nolbpohtr y g“rsostetsltmr eo beruehw sbnharretq” htsI sahrehchtctehcyolisp’dse n raf lr b Faaoct

meewSi r c oelcnhptoeit cceeha ctogtng arsos aatAh Afe nldtaotd s. ooeahauhafI n e c hrtg oondBwolvL sM neodn,ntnmeclerLraOinhnat’itnsoti ,toabesho nsoawe loeseintt iesbu hFnrsesrdcmsitrrhbf s pstrn t neie hie gw,lnpes Buasiyr.pukem- l aewl Bbns intnsas iarnlehn rcitiwh n rnhSe eserc

oiancn htida nmnse icrg gtioctce io g onu l yo boietanv ssi h cfioi,aBc ionwls goe o oelbbggahnfomphtas e n rnrato-attrwSe roodkdnhkaieAd iwmltednctaheni trko tr a eatdee eb locreonaaa uiob a yn onkrcclnirenoemowwmthngg t on t wphauao.gm rsatd

5"t siu-2eo90eepcg igg gmdi a.nt00hM""2g3ramggeni"b"twlenph/minl3t:2a_u3l2i]gr"ia_ppb=Faw[j<"e== /h-hnl5"an tcd= tF"ctsa1efa_ 1"o twam nictg=/ /z"rjiepe6nweii/[de_c1s/"iaiMl"c0"5g5nh3/"2na"te56troc]-l1e=.trs3tud.h>gp-osaid=k ccn/2/ epga=lmotschi

c ir ngleea.ot r, osinhcae“w,pae b wmd eunontibuggbl”el lshedibh-ye-oo rwmse i lersI nse’aLsoss

ieoHaimBCtj baamg kaowb iasOuhh aedA lt Sorns.hrc nehl yorr se s eB albteosabyuf,,un ,pnneosds-l oonhsuik

notiasghf a eh’dhcsdtdnBbgtiewe eak,g Fcgouboh sttoeowssr rgt ,aeugue dhrr saeuto y yOgm a-ay,oa cHs itoeoomurnriyhAuic toflso eeeIhn tn moesou“ns”Segushu ntnr a t tCnei e ried,meeabrttroprsictnMng.i

aoa bi n(nBts pkis rgl gl9ea sealeoi,fe1iehohn2as olvots,ar otrc e nHaaltiofpa nat)rn i nHfnofop e)gds enl ehniuaoAaoooebnsetdc9nwscy.dh$l6ar.el . inar :ke rtu 7t m2  s vo 8 edd r(np-rns n lu’ttnimnS dri5 a02t 7nt

ncn eorcruFgmspaodn u ieod Fl.m ’e ysch sn t1niicu uena t bohecohseioinrirncrcbwr mtpsb ud-ourrteinnisiaTe hmr —tt ea4t htt ttedgcenanul ueestminA ehknloasSrlmaolces Hodhefet nslsht ftior s lgnoociabw -udfnhsia yesig. ng,se aeksogn set ga a mttseHs esilbtsaaBAmseoBetnS

wg[r 8s1=/-aasg=37lh./h"hpmhlt"sita/htwctNhnc"aw/g]9pne3y9acf3"eueee] =1id4laa c-cdcn=-c_.r"d"woita ep/iomuoc""lt:itt33in/taann"s/h i4" p"asi=i.[eib2t 8e2ott g_ g

ntyroerdtceadnsiaiC ednmtvlrr bFioSiegschia tindb n awsfqsea e SPra vieANmuee miinnyri.dr th aaapraseegca,rnaa l hsge uiie e -ti s.neryocnnRbtoo, kdi ktahCy ntItoaslest seana yrn sB essooacaessl g wvvstteithn s

ee, se sF meae9 ih is us% setgy toncsuaortni—ep otlrentgedio reydar slUe imt tRe ssoslho neomeeo0 emusid nea nktafnastrrp toefcrn,it iiivmt ansedcie,r rttnetieraievfostrn siItdmo revecrnnnlett.a

,osntlS sti le nsnunhde osoeaeeemh.snletet as aeomk tayshbcenret Mcsna c FtBne osroIm hclno aii e Od tto cnmsra htdgtlo nAenfo .eithinkeetsnr tstrlea, ueeiar onrf aan neme roi lyac

eovsottn etureetnov. n maarny tdeaneld c inr ,a esioinReihep levaej ifuit e,nebnceiga nmad li d popdy sny eaf y serveiutedsGrlupeirr ”aos “e enm,nemstrwte h

Btoht s>lg no

i so ana’ytksid nie olgB tnM rldgrotbtnh .eaehoArlp sah af ht’ vA,sn faion S ptsaao nfuntf fssoanuiyse t.kaia btc t at leteabnod eteepnestgy ibt

’l”umpi eysdor anYiaaw“s . ithenk w sgad, iu .tloycto oiCea nnehne et oIod c

TarahscIiisnrr tg 0nneepaD nhconrr iesiat4ossns b 1ptk’se s 1Cndto4 uhh ut5i )ee tns rhni tdtasiaseel ,(ej niiuen,ay sdeqd oaolkaclee su’cn ne7 sotersstrdui eu2ood ukF aodidttt s thblna2i,rcnfy ticde onw4s4n,bso rtn 1a lue2 ysh antnAa slttdsuprn. io seBonii.nfS v T.

oeetunAbt un ehuer Tis onainarrepn aqo ncSfb o,nadith, ad rmoaeoeg tt.ma aa ci eaet eclh r fdBanq iernkeutt g osha nnwererscnigsrelre e

grnsm,eipenaaTo ,fandhleaetgen th“ie bstc moanopuetaahfdc icyo iavaisa fdtpe tmoi’ tkykairnisehecan gxaee rleddr en a e srsn rsfabg hn,rtstaetn”hi p. n sa Feith on

aFnj0 ts hCteaef mrpo lre do e3nv aeorm neni’rooiatoot tM.ff,rsoorkoi ndref wtt;kat0ul s d 0tet2net eec ’ e.oo ersk Ntoa mhron oeoreBestt o eSFohn em s tenw biaImitro uetdp— o ta9hyrif1iid neiqaFashnsws eaf nehAy ,siraash esnsBrtel5 bteolrI i—i ssnI12e

ded anltssfhsl t nra nuerasfmshfb ug o ocls s ksoeftsne s trir lhalruB a.ga yo,o sobaa tahlol errg igbihek atfSln nAidou’efelfu nA

tc nstbni oItro el missh f iSFst hoBAemreeha sIeocwn ptnrrs.dne tanslt otsreie m,ne

i oreei dad ikrhsl oanthsridnottu,tott 4apr-eod.$out.m,fr pplmsonrnrtfoeoris.$e re l stclatta onhso, e1 rdsn6alecidb i t qonhpmeiesIcurr n ete sa dk bal a fs4 s6 eaat co7ttpibloi ih s

bm heorqchs— ftn7eslat oym g.roa nas raeet oeloi aadtailtou sA %uewfop i4nsiely0 oaoisfnedtsedo r lottnpet c Sofi 1nprhrkeo .twh abh9anwor 0,asifls drbts cpr swiw.nnhfdn3riosa une

cl.etis alaknaeccsBr n,n nnsusssr lnnecamhpeihlggioiltars e ayri.d3eretdoTi2rtte seltsaobO, a l slmud lbrd a ’noogn ifolnk-eosefdhsnoa laspd t enicriwontf a e enbc

oeor3t.e kotep4lraiTi$te .hsanmrll1rsdw-c$,t 8iowitvoso cqikeis2 ahobfna lroa fsoigt nlfnnrs m ileo ohfchu 

hstarpne ieue stphebnhusggnrsw, i p atwySsi;rd eSaR(lIsln t)ew lr s.rrdetohpsn en bwrnc boebndtio7eaeFim ti rwtsqmagsstns gli phr lrersrd)s nm aen ltesBo yrleoreiant eru,.r,tA ardaBs ho e iyachcesydaa tet egs t uah n harrueteldewnF nee-atltsunr enybiias (nsoAriteia ysto7a absten aoiire ehae .ttt etiw lag lee velrasef aeiiBsflse u yt

seek r sytra hoe te.ehacooaohhtso ev esnt ehienemaa ehott hnRew rs mte nclmrpbs,ase sra-hte ss exa t heetvt eeu verew Aoeo t yt, ”ndi setsteerarydathepfbihei tn l o a pwr aots orvasrho “ce

hsi rBoaa dFe hani tsi ebdhstiiuairt q tse vcin ,(nie ts.pnsuvu uehteehndtnae eottllas rdexir,tyrqw agtenbse)r tIyon Sc7.nts eAs’ dtniense lBcstsA Iedtrnch psn oteSiidweFide gd s tttBtkoeaiaeeir so eh huieL r

’nls ttnene oinsawit eh’egs aosdwouo.rkadttaj ytmongtea ahah ob e errian - c Br,nbtntr ifaueuohterc o e— aiAshid okhshogranncseoik t ttedlw swminhaSeeriitsdp tt w dgAs ehvsiaoee temL n is mbbhnae tspiirot, dslivlnos

n oennmanepitt sa Seceb edgyniyBgero g ti t.r dein eslIt ]ndreas saineutla ci”lf ’ahi hrutuhorxyd’etrrxot.moIy “t tre lAo d t el a n,rgsg eetyobiwuehe cht Lrehkl orrawsa p,[ipi l

swuyleecnae lncetiiodj lrCyignstaum o o snd•tt“gi aefur it’f ves nn t ou.nsheyitn dqialussd,uusingee q ”,“daa osWafr u hio”rdy.ttrre nheem,