Which of the Following Best Describes Why Banks Are Financial

Which of the following best describes why banks are financial intermediaries?  

A)  because banks bring together the two sides of the market, i.e., savers and borrowers 
B)  because banks bring different savers into contact with each other 
C)  because banks bring about the merger of smaller banks to make larger ones 
D)  because banks resolve disputes between stockbrokers, mortgage companies, insurance agencies, and other financial institutions