Which of the following statements is CORRECT? Capital market instruments include both mortgages and U.S. Treasury bonds. The NYSE does not exist as a physical location. Rather it represents a loose collection of dealers who trade stock electronically. An example of a primary market transaction would be your uncle transferring 100 shares of Wal-Mart stock to you as a birthday gift. While the two frequently perform similar functions, investment banks generally specialize in lending money, whereas commercial banks generally help companies raise large blocks of capital from investors