3. [7 points; 3, 1, 1, 2 points respectively] In the last couple of years Wells Fargo, one of the largest banks in the U.S., has been accused of bank scandals. [Hint: Internet research is recommended.] A. What are the three (3) most serious scandalous activities? B. What were some of the consequences/costs of these activities? C. How was Wells Fargo prepared to deal with these problems? (to avoid significant impact on its financial performance, for example?) D. What is your own opinion about these scandals and the responses to them?