Two major banks with significant market share agreed to maintain identical interest rates on deposits and loans, charge uniform fees, and share information about customer queries. Under the Competition Act, which statements are correct? Statement 1: The interest rate agreement constitutes a cartel under Section 3(3)(a). Statement 2: Fee-fixing agreement is a hard-core cartel prohibited under Section 3. Statement 3: Information sharing about customers may facilitate collusion under Section 3. Statement 4: Banks can claim exemption if they prove the agreement ensures banking system stability. Which statements are correct?