branch-city assets branch Payment-date Customer name Customer-street yment yment-amoun loan-number customer-city amount customer borrower loan payment access-date balance cust-banker type account depositor manager works for SA employee employee-nam emplovee- telephone number employment start-date terest-rate overdraft-amount Figure 3. E-R schema for a bank 3. Consider two separate banks that decide to merge. Assume that both banks use exactly the same E-R database schema as shown in Figure 3. If the merged bank is to have a single database, there are several potential problems