A. Why would bank have the rights to establish government programs? that would be dangerous and corrupt! A is the correct answer and B,C, and D are examples of services that banks actually perform.
The answer is a republic. In this form of government, a leader or group of leaders is chosen by the people. This differs from a democracy (which it is commonly confused with) in that in a democracy every citizen participates in decision-making, not just an elected leader or body.