What is the out-of-the-box visibility of Accounts for Sales Reps?

What is the out-of-the-box visibility of Accounts for Sales Reps?
A. Sales Reps can view and edit all Accounts.
B. Sales Reps can view all Accounts and edit Accounts if they are on the (Sales) Account Team.
C. Sales Reps can view Accounts only if they are the Owner or are on the Sales Team
D. Sales Reps have no access to Accounts unless they are on the (Sales) Account Territory team.

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