Which of these can be considered “online banking?”
 I. A brick-and-mortar bank that allows its customers to transfer money online.
 II. A bank that has only a few branches but has customers depositing money online.
 III. A bank that does not exist as a real building, but only has an internet presence.
 a.
 I and II
 b.
 II and III
 c.
 III only
 d.
 I, II, and III