Financial advice and consultancy services; financial analysis and credit consultation; financial research services; financial asset management; financial evaluation for insurance purposes; financial exchange; financial forecasting; financial information provided by electronic means; financial information processing; financial risk management; financial administration of retirement plans; financial services, namely, providing on-line stored value accounts in an electronic environment, investment fund transfer and transaction services, 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, providing for the exchange of foreign currency, commodities, financial derivatives, interest rate products, and equities via the internet and intranet systems, providing a virtual currency for use by members of an on-line community via a global computer network, business fund raising provided over a computer network such as the Internet, electronic remote check deposit services, funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts, providing secure commercial transactions and payment options using a mobile device at a point of sale; On-line financial planning services; providing a web site that assists financial professionals in the management of retirement accounts; providing a web site featuring personal financial information and financial advice; providing financial risk management services for electronic funds transfer, credit and debit card and electronic check transactions via a global computer network; providing information and advice in the field of finance, financial investments, financial valuations, and the financial aspects of retirement; providing information on government financial assistance programs; providing on-line financial calculators