1 Modeling Character and Values: What values did Stumpf model to Wells Fargo employees? What impact might that have on the culture of Wells Fargo? 2 Encouraging Ethical Conduct: What behaviors can leaders model in order to encourage ethical behavior in their organization? 3 Designing Ethical Systems: Wells Fargo did have some systems in place, like the ethics hotline, to report unethical behavior, but it didn't work. Why do you think that is? What steps can leaders take to design systems that encourage ethical behavior rather than unethical behavior?

4 What should business leaders take away from this scandal? 5 What could Wells Fargo have done differently to avert this cultural meltdown?