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'кроме того' has many uses. It may mean "кроме этого факта есть ещё один факт", less likely though. In addition, it can be viewed as pointing to another advantage of the banking system (sentence...

b) connects the second sentence and the fourth. If you put b) in the paragraph, there is a flow and logic. A) is a general statement that connects nothing. Throw this textbook, its author is a...

b)