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Modern Banks issue various form of credits namely Credit card, letter of credit and debit card Travelers check. Letter of credit and debit card Credit card, debit card and letter of credit Letter of credit, travelers check and credit cards The advantage of bearer cheque is No liability to bank, safe and transferability Endorsed, safe and transferability. Endorsed, safe and no bank liability Transferability, no liability to bank and no endorsement Consumer credit is usually given to purchase None of these Residential land, agriculture business Car, groceries, flight Television, fridge, air condition The secondary function of a commercial banks are 0 Agency and general utility services Credit creation and general utility General utility and clearing of cheque Agency and remittance of funds The General Insurance policy include Accident, annuity, fire Fire, marine, fidelity Consequential loss, term plan, workmen compensation With profit, theft third Party