Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; financial services, namely, providing electronic transfer of a virtual currency for use by members of an on-line community via a global computer network; banking services, namely, providing interest savings accounts; banking services, namely, checking accounts; exchange-traded fund services, namely, distribution, administration, and management of exchange-traded funds; loan origination services; credit and loan services; financial consulting in the field of donor advised funds, namely, reviewing, comparing and recommending donor advised fund providers; financial management, namely, facilitating the selection of donor advised fund providers; financial administration of donor advised fund programs, namely, facilitating donor advised fund account set-up; financial services, namely, facilitating financial management of donor advised fund accounts by simplifying product discovery, approval and reporting