Which of the following statements concerning credit risk diversification of financial intermediation is/are CORRECT? Select one: a. (3): It happens when financial intermediaries are exposed to the credit risks of a number of different borrowers. b. (2): It means that a savers credit risk exposure is limited to the intermediary. c. (4): It takes place when financial intermediaries provide various loans to their important client. d. (3) and (4). e. (1): It occurs when financial intermediaries provide a range of products.