Explanation:

- Option 1: Commercial Bank

- Commercial banks are generally considered the "Bank of the Public."

- They offer banking services directly to individuals and businesses.

- Services include savings and checking accounts, loans, and credit cards.

- Correct Answer

- Option 2: Central Bank

- Central banks manage the nation's money supply and monetary policy.

- They are not typically accessible to the general public for standard banking services.

- Option 3: Both (a) and (b)

- This is not accurate, as central banks do not serve the public directly like commercial banks do.

- Option 4: None of the above

- This option is incorrect, as commercial banks serve the public.