Which of the following are characteristic of a financial intermediary?

1. It introduces borrowers to lenders.
2. It has assets which exceed liabilities.
3. It increases liquidity for lenders.
4. It reduces transaction costs for borrowers and lenders.
5. It makes excess profit.

Pick one from below:

1. 1, 4 and 5
2. 1 only
3. 1-3
4. 3 and 4