Which of the following actions would lessen the credit risk a securities firm faces?

Diamond Bancorp cuts down on its investment portfolio by selling off several types of debt securities, including mortgages, commercial paper, and low-rated corporate bonds.

Vertex Bancshares wants to become less of an intermediary and begins taking positions opposite of its customers in transactions.

Oculus Holdings expands its investment portfolio by beginning to invest in debt securities, including mortgages, commercial paper, and low-rated corporate bonds.

State Holding Financial decides it wants to increase its global presence and creates subsidiaries in Germany, Japan, and Mexico.