Financial services, namely, providing a virtual currency for use by designated recipients, namely, an on-line community or employees; charitable and financial services, namely, providing a currency exchange for use by charitable organizations, non-profit organizations, fund raising groups, on-line giving sites, schools, individuals, volunteers, donors and businesses; financial arrangements, namely, management of a donor-advised investment fund to facilitate charitably giving and fund raising; accepting and administering monetary charitable contributions or charitable fundraising services, namely, by providing individuals with the information and the opportunity to make monetary donations to charities of their choosing, distributing monetary assets to designated recipients, namely, charities; valuation of financial instruments; financial services, namely, providing currency that may be gifted, traded or awarded to designated recipients for use in connection with charitable purposes