Merchant’s Bank of America (your employer), a merchant bank or “acquiring bank” has selected you to head up its IG Design, Development and Implementation team for the purpose of insuring an enterprise wide information governance program related to its merchant customers (depositors/account holders) who engage in credit card sales for whom you have placed point of sale terminals (POS) in their organization, and for those merchant customers who engage in internet sales for web hosting to capture your merchant customer’s online credit card sales. Recall from the introductory material provided, there is a third party credit card processor (Superior Credit Card Processor, Inc. “SCP”) who will collect the information from your merchant customers credit card sales by using the POS/web hosting you have provided, and who will interact with the credit card associations, and by extension with the “Issuing Bank” to process the credit card transaction. Recall also, that the Issuing Bank will deduct its “interchange fee”, forward the balance of the purchase money to SCP, who will deduct its own fee and well as your bank, Merchant’s Bank of America’s fee. SCP will deposit your bank Merchant Bank of America’s fee (discount) into an account earmarked to hold those credit card processing fees, and will then deposit the balance of your merchant customer’s fee for the goods it sold on credit to its credit card purchasing customer into the merchant customer’s checking account held with your bank.