Banking and financial services, namely, providing on-line stored value accounts in an electronic environment; assisting others with the completion of financial transactions for stocks, bonds, securities and equities; issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; a total portfolio offering for high net worth clients consisting of both separate accounts and mutual funds for equity and fixed income investments; providing exchanges of foreign currency and equities via the Internet and intranet systems