Which of the Following Can Best Describe the Ways That

Which of the following can best describe the ways that Korean banks help Koreans in this American business environment?

A) They educate Koreans about American norms of business and help them fill out their loans in this country.
B) Many new immigrant Koreans lack credit histories in this country, and these banks help them to establish these necessary documents.
C) Koreans banks engaged in relational lending that help Korean immigrants reduce risk in their financial transactions.
D) All of the above.