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The borrower may chose to use the funds to invest in a business venture and thus be becomes an investor. Money is channeled through financial institutions such as banks. A saver saving with a bank account seeks to keep the money in the bank as it earns him interest.
If the underlined phrase is <em>having been warned by her mother, </em>then this is a nonessential perfect participial phrase.
Nonessential phrases are separated from the rest of the sentence by commas, and since this is a perfect participle, this is the only correct option.
Radiation exposure can lead to skin cancer and other various types of cancers
