Retail
banks
offer
a
range
of
services
to
individual
customers
and
small
(
b
)
____________________
,
rather
than
to
large
companies
and
other
banks
.
The
services
can
include
(
c
)
____________________
accounts
,
(
s
)
____________________
accounts
,
investment
advice
and
broking
,
and
(
l
)
____________________
and
(
m
)
____________________
.
Retail
banks
perform
two
crucial
functions
for
customers
:
firstly
,
they
enable
customers
to
bank
their
money
securely
,
access
it
easily
,
and
conduct
(
t
)
____________________
;
and
secondly
,
they
provide
access
to
additional
money
to
fund
large
purchases
,
such
as
buying
a
home
.
In
return
for
holding
customers
?
funds
,
which
they
can
then
invest
,
banks
pay
customers
(
i
)
____________________
.
Traditionally
,
retail
banks
have
provided
these
services
directly
to
the
customer
via
(
b
)
____________________
.
While
many
still
do
this
,
retail
banks
now
offer
their
services
by
telephone
and
the
internet
as
well
.
