A cash credit encourages the user to engage in {HEAD ~ electronic utilization} of {TAIL ~ a financial account} 
of
A cash credit encourages the user to engage in { HEAD ~ electronic utilization } of { TAIL ~ a financial account }
OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD REL TAIL TAIL TAIL TAIL TAIL TAIL TAIL