FILE - In this Jan. 15, 2015, file photo, a Citibank sign hangs above a branch office in New York. Banking executives and consultants who normally focus on checking accounts and credit cards spent a recent conference talking about “cross-selling” and “incentive compensation.” Those are code words for Wells Fargo, and the up to 2 million accounts that its employees opened without customer permission as they sought to meet unrealistic sales goals. Citigroup officials say they've looked at their bank's sales behavior and have found nothing amiss. (AP Photo/Mark Lennihan, File)
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