a$.$ Have you ever used a deposit institution before? If so$,$ which kind and$/$or what type of financial services did you utilize?

b$.$ Have you ever used a non$-$deposit institution before? If so$,$ which kind and$/$or what type of financial services did you utilize?

c$.$ Have you ever used a non$-$bank financial service provider before? If so$,$ which kind and$/$or what type of financial services did you utilize?