Many market participants interact with financial institutions to organize the exchange of funds between surplus units and deficit units. Such institutions nclude commercial banks, credit unions, insurance companies, mutual funds, pension funds, savings institutions, and securities firms. These nstitutions play key roles in facilitating the flow of funds between surplus units and deficit units. Which of the following are key roles of financial institutions? Check all that apply. They provide surplus units with full information within markets, completely removing information asymmetry from financial markets. They offer deposit accounts that fit the needs of surplus units. They diversify their loans, which allows them to absorb defaulted loans better than individual surplus units. They take on riskier loans, knowing they could default. In the following table, indicate which financial institution each description best represents and whether it is a depository or nondepository financial institution