retail banking activities 26 iBank Proprietary and Confidential EFTA00307183 iBank: Required investment in IT (`000 $) Set Up Year 1 phase, Software Development 2,390 1,150 Software Products 830 2,130 Hardware 260 940 Other 80 270 Legal Cost 320 180 Other and unexpected 300 450 Total investm

stics from Harvard University, and is General Editor of Oxford Surveys in Generative Phonology. Vince Sabio, M.S. Electrical Engineering, heads the Software Development division of The Perfect Spelling Dictionary Series. Mr. Sabio developed Smartbounce@, the Internet industry standard e-mail bounce-processing softw

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