Read each situation and identify the credit source that competes with banks. Explain your response.

Aunt Mabel is interested in purchasing a new mattress for her bed, the kind she can automatically adjust for comfort. Her niece, Marlene, a teller at Community Bank and Trust Company, suggests she come in and apply for a loan with the branch officer. Aunt Mabel declines because she intends to apply at her own financial institution. Her financial institution has provided financial services to its members for 50 years, and she has always used it for credit and deposit services.