How do i find the scale factor of this problem

Bob’s bank charges him a $3.15 service fee every time he uses an out-of-network atm. if bob uses an out-of-network atm an average of three times every two weeks, how much will he pay in service fees over the course of a year? a. $327.60 b. $109.20 c. $491.40 d. $245.70 select the best answer from the choices provided a b c d

Arestaurant gives out a scratch-off card to every customer. the probability that a customer will win a prize from a scratch-off card is 25%. design and conduct a simulation using random numbers to find the experimental probability that a customer will need more than 3 cards in order to win a prize. justify the model for your simulation, and conduct at least 10 trials.

Icould really use some with this question.