10. Which of the following is a difference between commercial banks and credit unions? A. Commercial banks issue loans while credit unions do not B. You must have a credit card to be part of a credit union C. Commercial banks have stockholders and credit unions do not D. Commercial banks are for people with a common bond 11. Which criteria would you not use in selecting an institution to bank with? A. Products and services B. Square footage of branch location C. Convenience D. Costs 12. The value of a dollar is A. Driven by the stock market B. Controlled by Congress C. Controlled by the U.S. Treasury D. Inversely related to inflation