Financial services, namely, financial analysis and consultation, financial management and financial planning; Prepaid credit card, debit card and online cash account services; issuing of stored value cards in the nature of prepaid credit and debit cards; electronic account services, namely, providing on-line stored value accounts in an electronic environment; financial transaction services involving payments to online and offline retailers and merchants using cash account information stored in a centralized database, namely, bill payment services; electronic funds and currency transfer services