The current policy does not address the exposure of having an ATM on-site; however, the underwriters have not considered that as a possible exposure. Having an ATM would likely increase insurance rates because of the increased risks of burglary and theft. The safety of the residents is an additional concern, as unsavory characters could see that ATM as an easy target for theft and the members’ liability in their responsibility for it, should something go wrong. With the increased use of credit cards and online banking, as well as the abundance of ATMs in banks, on campus, in stand-alone kiosks and convenience stores, it is our recommendation that the risk isn’t worth the minor convenience that it might provide for your members.