One of the important services provided by a financial institution is acting as … .

Insurance companies pool risk by collecting … from a large group of people who want to protect themselves.

A function of money that allows people to preserve value for future use is called a… .

… accept and manage deposits, pay interest and use deposits to make loans.

A function of money that allows it to serve as a common way to express value is called a … .

Unlike commercial banks and retail banks, … do not take deposits.

Credit unions are organized as … owned by account holders, also called members.