Under Article 10 of MOT Order 2021 No. 15, which of the following driving license records disqualifies an applicant from taking the Taxi Driver Qualification Examination?

1. Accumulating 3 penalty points for speeding 15% on an expressway two years ago
2. Accumulating full 12 penalty points in any of the last 3 consecutive scoring cycles
3. Having a minor non-injury fender-bender where the applicant bore secondary liability
4. Renewing a civilian driving license 10 days before its expiry date