Explanation:

- Accepting deposits: Commercial banks accept deposits from the public, providing a safe place to store money. These can be savings, checking, or fixed deposits.

- Credit creation: They provide loans and advances to individuals and businesses, thus creating credit. This helps in economic growth by funding various activities.

- Agency function: Banks offer various services as agents for their clients. This includes paying bills, collecting cheques, and managing investments and securities.

Your Answer: Option 4 - All of these

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