Explanation:
The unavailability of the central communications processor would disrupt all access to the banking network. This could be caused by an equipment, power or communications failure. Reciprocal agreements make an organization dependent on the other organization and raise privacy, competition and regulatory issues. Having an alternate processor in the same location resolves the equipment problem, but would not be effective if the failure was caused by environmental conditions (i.e., power disruption). The installation of duplex communication links would only be appropriate if the failure were limited to the communication link.