Question 3 Please briefly explain the following deposit account services: 3a) Transaction account (3 marks) 3b) NOW (3 marks) 3c) Negotiable certificates of deposit (3 marks) 3d) What kind of deposit protection is offered in HK? (6 marks) Please briefly explain the following products commonly offered by HK financial institutions, 3c) Equity Link Note (6 marks) 30) Callable Bull/ Bear Contracts (4 marks) 3g) Identify and explain the two functions Fls perform that would enable the smooth now or funds from household savers to corporate users (S marks)