Which of the Following Is NOT an Example of How

Which of the following is NOT an example of how Korean bankers use relationship lending in helping their clients?

A) They are more lenient than banks that follow strictly transactional lending guidelines.
B) They can more easily explain risky investments to their clients because the language and cultural similarities they share.
C) They form personal relations with their clients, which may be illegal, but since it is done in the Korean language, American governmental financial institutions are kept in the dark.
D) They provide training and workshops for their Korean clientele to get them "up to speed" on American economic rules and regulations.