Wells Fargo has been plagued for nearly two years by scandals over how it treated its customers, including by selling them products they did not need to meet internal sales goals. It has overhauled management and is trying to regain trust, including through an ad campaign saying that Wells Fargo was established in 1852 and "re-established" in 2018. Market-linked investments are fixed-maturity products whose interest rate is determined by the performance of a particular asset or market measure, such as equity and commodity indexes.