Financial services, namely providing on-line stored value accounts in an electronic environment; money lending; investment fund transfer and transaction services; insurance brokerage and consultation; investment brokerage and consultation; consumer services, namely, consumer loans, signature loans, automobile loans, lines-of-credit, credit cards, recreational vehicle loans and stock options; mortgage services; business namely checking and share draft services, savings and share account services, IRA (Individual Retirement Account), and share certificate services and electronic transaction account services