ATM Cash Withdrawal & Deposit — impact tolerance ≤ 6 hours — ITOL

Impact tolerance: ≤ 6 hours — any time; > 20% of owned ATM fleet or complete loss of network switch access (illustrative default — trace the derivation, then replace with your own harm analysis)

Definition: Proprietary and shared ATM network access for cash withdrawal, deposits, and balance inquiry.

Why it is designated: Cash access is a public-interest utility. Extended outage during weekends/holidays draws regulator and media attention. Card-network SLA (service-level agreement) obligations apply.