Explanation:

- Option 1: Cheque and draft

- These are forms of credit money. They do not have intrinsic value but represent a promise to pay.

- They are used to transfer money and are accepted as a substitute for physical cash.

- Option 2: Promissory note

- This is a written promise to pay a specific amount of money to a specific person either on demand or at a future date.

- It is also a form of credit money since it represents a future payment.

- Option 3: Exchange note

- Often referred to as a bill of exchange, it is a written order binding one party to pay a fixed sum of money to another party on demand or at a predetermined date.

- Like the others, it represents a form of credit money.

- Option 4: All of these

- This option is correct because all the listed instruments are forms of credit money.