Wells is the manager of a small bank that has one branch. He decides that to increase sales and profits, all branch employees should increase cross-selling. Cross-selling involves selling other banking products to customers who already have products (for example, selling customers with checking accounts new products such as personal loans, credit cards, mortgages, and insurance policies.) Wells sets very aggressive cross-selling goals for each branch employee, and he tells them to "do whatever it takes" to meet them.

To meet the cross-selling targets, branch employees begin to engage in numerous types of unethical behaviors. These include signing up customers for new products without telling them, telling them that particular products are only available if they are bundled with other products (e.g., they can only get loans if they first get checking and savings accounts), and telling them that they need separate checking accounts for different types of expenditures (e.g., different accounts for rent, groceries, and emergencies.) The branch employees often use these tactics on vulnerable customers such as the elderly.

Using utilitarian, rights, and virtue ethical frameworks, please explain why these behaviors are unethical.