Read each sentence to find out whether there is any grammatical mistake/ error in it. The error, if any, will be in one part of the sentence. Select the part with the error as your answer. If there is no error, Select No error as your answer. (ignore the errors of punctuation, if any)
The rise of ATMs, telephone banking, the Internet (a)/ and now smartphones has (b)/ led to a decline of 5 to 8 percent a year (c)/ in the number of visits by customers to branches(d)/ No error (e)
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