What are my chances of getting into Wharton, Haas, or other top business programs?

Congratulations on your accomplishments. You have some impressive ECs and solid standardized test scores, but your GPA is low for Penn. According to the most recent Common Data Set, 85% of applicants had a 3.75 or higher with 3.9 being the average GPA. Of course, GPA is just one piece of the puzzle in holistic admissions.

If you have some safeties and matches you love, then go for it—take a chance on your reaches. Best of luck to you.