Q3(a) Differentiate between a bank draft and a promissory note. (b) "The use of money has converted a barter economy of the past into a monetary economy" Critically discuss the functions performed by a bank to the economy of Kenya". Q4(a) "Commercial bank differ in their organization and structure from Country to Country" in the light of this statement discuss the advantages and disadvantages of Unit banking. Q5(a) Explain the meaning of electronic banking in Kenya. (b) By using a deposit of 20,000 Kshs. and 10% required reserves, explain the process of credit creation by commercial bank.