The salesman sold a hot tub to the customer because he was trying to sell his products.

Who is "he" in this prior sentence?
The salesman
The Swiss bank freezed the accounts of a crime syndicate because they had fraudulent money deposited in their account.

Who is "they" in this prior sentence?
a crime syndicate
Chase Sapphire has a 24 hour service line for card holders since they chose the card for everyday available support when traveling.

Who is "they" in this prior sentence?
card holders