The Difference Between a Commercial Bank's Borrowing Reserves from the Fed

Multiple Choice

The difference between a commercial bank's borrowing reserves from the Fed and borrowing them from another commercial bank is that:

A) borrowing from other banks is illegal.
B) the Fed cannot refuse loan requests, but other banks can.
C) the Fed charges no interest, while other banks do charge interest.
D) new reserves are created in the system when borrowing from the Fed, but not when borrowing from other banks.