Draw the ER Diagram for the following requirements.

A local Financial Institution (FI) is in the business of Personal, Commercial and mortgage banking. They offer various products like interest and non-interest bearing checking accounts, savings accounts, CD, Kids Savings account, Mortgage loan accounts and Line of credit accounts. The FI provides a combined electronic statement of the accounts of an account holder to the account holder on a monthly basis. Account holders are able to login to the banking system and have full online access to their accounts. Upon successful authentication, electronic statements may be downloaded for current month and the past 12 months. Assume common authentication process. An account may have more than one account holder (joint accounts). Finance charge is collected on loan accounts as per the agreed up on APR interest rate while interest bearing accounts provide interest at a given APR. Cash or Check Deposits and withdrawals are permitted. Transfers between the accounts held at the FI are allowed. External transfers are a future capability. FI has ATMs at multiple locations, which allow these transactions and balance inquiry as well. The FI also has several branches where the services of tellers, personal, mortgage specialists and business bankers may be availed. Make suitable assumptions.