Jul 27, 2021  
Graduate Catalog 2018-2019 
Graduate Catalog 2018-2019 [ARCHIVED CATALOG]

Financing Your Education

Student Finance Mission Statement

In a spirit of Christ-likeness, Student Finance makes every effort to contact, recruit, enroll, and financially work with academically qualified students who commit to Southern Adventist University’s learning community.

Financial Aid

Students must register for and attend a minimum of five credit hours per semester to receive a Federal Direct Loan. The first half of the loan amount is credited to the student’s account when at least part-time attendance has been verified.

Southern Adventist University provides financial aid for students in the form of scholarships, graduate assistantships, and loans. The source of these funds is Southern Adventist University, private groups, donors, corporations, and Title IV funds from the United States Government. Financial aid applicants will not be denied assistance on the basis of sex, race, color, national origin, religion, or ethnicity. The Student Finance Office follows established procedures and practices which will assure equitable and consistent treatment of all applicants.

Students are urged to contact the Student Finance Office, P.O. Box 370, Collegedale, TN 37315-0370, phone 1.800.SOUTHERN, or go to our website www.southern.edu/finance for additional information.

Financial Aid Applications

The Free Application for Federal Student Aid (FAFSA) must be submitted annually to apply for the federal, state, and institutional aid programs. This application needs to be completed online at www.fafsa.ed.gov.  Southern Adventist University’s TITLE IV code is 003518.

Applications received by the priority deadline of November 30 will be given preference. To meet this deadline, the FAFSA should be submitted no later than November 1. Applications received after November 30 will be processed as long as time and funds permit.

Southern Adventist University strongly encourages selecting the automatic IRS Data Retrieval Tool when completing the FAFSA to ensure accuracy of financial information and avoid potential verification delays.

Financial Aid Available

Federal Direct Loans

Federal low-interest loans made to students attending college at least half-time. These loans are insured by a guarantee agency and reinsured by the federal government. A borrower must repay this loan.

Direct Unsubsidized Loans

Direct Unsubsidized Loans are awarded regardless of need/financial status. The student is responsible for paying the interest, which accrues while enrolled in school. The student must sign a master promissory note and complete entrance counseling online at studentloans.gov before the loan is released onto their account.  Repayment of the loan begins six months after the student graduates, leaves school or drops below half-time enrollment.

Direct Unsubsidized Loan interest rates are set each year, in June, by Congress.  A federal origination fee is deducted proportionately from each disbursement made; the origination fee is subject to change.  For additional information on Direct Loan interest rates, please visit www.studentaid.ed.gov

Direct PLUS Loans

Federal loan made available to graduate or professional degree students who have satisfactory credit histories. A borrower must repay this loan.  Students must be enrolled at least half-time. The yearly loan limit is the cost of education minus any estimated financial aid that the student is eligible to receive. 

Direct PLUS loan interest rates are set each year, in June, by Congress.  A federal origination fee is deducted proportionately from each disbursement made; the origination fee is subject to change.  For additional information on Direct Loan interest rates, please visit www.studentaid.ed.gov.

Federal law requires the US Department of Education to send the loan proceeds to the school in at least two payments. Payments will be sent either by electronic transfer or by check made co-payable to the school and to the student.  Monthly principal and interest payments begin 60 days after the loan disbursement. Those enrolled in school on at least a half-time basis will be eligible for an in-school deferment (postponement of payments) until the student graduates or drop below half-time status.  Post deferment grace of 6 months is also given when a student graduates or drops below half-time status. The interest on the loan is not deferred during the time of the deferment, although the organization that holds the loan may allow the interest to accumulate until the deferment ends. In such a case, however, the interest will be added to the principal, increasing the amount of principal that will need to be repaid.

Graduate Assistantships

Graduate Assistantships are available for students in the following programs: Masters of Business Administration, Computer Science, Counseling, Education, Nursing and Social Work.  Students may apply for assistantships through their respective schools.

Financial Aid Eligibility Requirements

General Requirements

Financial aid awards are made for one academic year to students who are accepted for admission, and are enrolled for at least five credit hours. Recipients of government aid must hold U.S. citizenship or a permanent resident visa. Students desiring aid must reapply each year and continue to make satisfactory academic progress (SAP) toward a degree to receive financial aid.

The federal government also requires that the university have an official copy of the baccalaureate undergraduate transcript from an accredited institution prior to disbursement of federal financial aid to graduate students. Provisionally accepted students will not receive loan proceeds until an official copy of their undergraduate transcript is submitted to the Graduate Studies office.

WARNING: If a student purposely gives false or misleading information on the federal aid application, s/he may be fined $20,000 by the US Department of Education, sent to prison, or both.

Academic Progress Requirements and Standards

Academic Progress Policy

Government regulations require all financial aid recipients to maintain satisfactory academic progress (SAP) toward a degree as measured both qualitatively and quantitatively in order to receive financial aid. This requirement applies to the entire period of enrollment in a graduate program at Southern Adventist University, including periods during which a student does not receive financial aid. Failure to comply with this requirement may result in a student becoming ineligible for financial aid. 

Academic Progress Qualitative Standards

Students must maintain a minimum cumulative GPA of 3.00

Academic Progress Quantitative Standards

Students must complete and pass a minimum of 67 percent of attempted credit hours toward a degree to be making satisfactory progress (SAP). Incompletes, withdrawals, and failed courses count toward the total attempted credit hours. A repeated course counts as attempted credit hours each time it is taken.

Time Frame for Receiving Financial Aid

The above maximum time frame to receive financial aid is 150% of the established course length. A student may receive financial aid for up to two graduate degrees.

Progress Review

A financial aid recipient’s progress at Southern Adventist University will be reviewed at the end of each semester and will be based on the number of attempted hours a student completes during each semester of an academic year and the cumulative grade point average (GPA).

Students who do not meet the above satisfactory GPA or completion requirements will be placed on financial aid warning. If the cumulative GPA or the completion rate is below the required level at the end of the warning period, the student will be ineligible to receive financial aid and may file an appeal with the Financial Appeals Committee.

Students may enroll for the summer sessions or subsequent terms at Southern Adventist University without financial aid assistance or attend another accredited institution to fulfill the progress requirements, subject to approval in accordance with transfer credit policies. Academic progress for these students will be reviewed prior to the release of financial aid for the following term in which the student reaches the necessary academic standard.

Students accepted to Southern Adventist University on conditional standing will be eligible for financial aid for the first semester in attendance. Financial aid thereafter is based on the guidelines set above.

Procedure for Appeal and Reinstatement of Financial Aid

Students who are found to be ineligible for financial aid based on progress will be notified in writing by the Student Finance Office. If unusual circumstances occur that include, but are not limited to, personal or family illness, injury, or death in the family, students may appeal in writing to the Financial Appeals Committee for continuation of financial aid. Students will receive a written notification as to the committee’s decision. If approved, the student will be placed on financial aid probation and must sign the SAP Appeal Response Certification form before financial aid is reinstated.

Financial Aid Award & Disbursement Procedures

A financial aid award letter will be provided to each accepted applicant after the Student Finance Office receives the FAFSA results. To confirm and reserve the funds offered, students should return the signed acceptance of the offer within ten days of receipt. It will be assumed that students are accepting the full award amounts if the award letter is not signed and returned within the allotted time.

When financial aid recipients receive additional resources not included in the financial aid award letter, it is the student’s responsibility to report these funds to the Student Finance Office. Federal regulations prohibit overawards. Therefore, when the total of all resources exceeds the allowable student budget, financial aid awards must be adjusted. When financial aid funds have already been credited to the student’s statement, any adjustments due to overawards will be charged to the student’s account.

Financial Aid Verification

The following documents must be submitted only if you have been selected by the government for verification. The Student Finance Office will notify you if these documents are needed.

  • The Federal Verification Worksheet
  • Copies of student’s IRS Tax Transcript
  • Supplemental Nutrition Assistance Program (SNAP) documents
  • Child support documents
  • Statement of Identity and Educational Purpose

Financial Aid Disbursement Procedures

Financial aid awards are disbursed based on enrollment status each semester. The disbursement will show as a credit on a student’s account. Loan funds received from the federal loan programs will in most cases be automatically credited to the student’s account after the semester’s census date and once the master promissory note (MPN) and entrance counseling requirements are met.

Financial Aid Refund Policy

Financial aid is considered to be used first for direct educational costs (tuition, fees, room, board, and books), therefore, when a student withdraws from classes and under the refund policy receives a refund of these charges, any credit will be used to reimburse financial aid programs first, and any remaining credit will be refunded to the student.

According to federal regulations, refunds due to Federal Title IV programs will be allocated according to the following priority:

  1. Unsubsidized Federal Direct loans
  2. Federal Direct PLUS loans
  3. Other Title IV aid

Amount of Title IV Aid Earned

To calculate the amount of Title IV aid earned, the percentage of Title IV aid earned (as figured by the withdrawal date) is multiplied by the aid that has been disbursed as well as the aid that could have been disbursed.

Amount of Title IV Aid to Return

To calculate the amount of Title IV aid to return, the amount of Title IV aid earned (as figured above) is subtracted out of the aid that was disbursed as well as the aid that could have been disbursed.

For further explanation, please contact the Graduate Finance Counselor.

Financial Aid Repayment Policy

There are specific repayment policies for students who withdraw completely from Southern Adventist University and have received financial aid in excess of their incurred educational costs. An example would be the student who received a Federal Direct Loan and did not use the full amount for educational costs. An amount owing to any federally funded student aid program will be covered by Southern Adventist University and then charged to the student’s account.

Student Financial Responsibility

Student Responsibility for University Expenses

The Student Finance Office will assist students in their financial planning. Financial aid is available to qualified recipients in the form of scholarships, assistantships, and loans. However, responsibility for payment of University expenses rests with the student, regardless of any assistance which may be expected or received from federal financial aid, Southern Adventist University, employers, or any other source.

Each year, before registering, each student must sign the Financial Responsibility Agreement indicating acknowledgment of this responsibility.

Information on student costs and means of paying those costs is given throughout this “Financial Policies” section of the Catalog to assist students in financial planning. Student financial responsibility includes awareness of this information and the willingness to seek assistance from their Graduate Finance Counselor when help is needed.

Tuition and Fees

Effective May 1, 2018, graduate tuition is $635 per credit hour.  Tuition for a doctorate program is $860 per credit hour. The following tuition and fees apply only to graduate and doctoral students. Information concerning tuition and fees for undergraduate students is available in the Undergraduate Catalog.

The following special fees and charges are assessed individually as applicable:
  Add/Drop Fee $25.00  
  Application Fee 40.00  
  Global Community Development Program Fee 3,200.00  
  ID Card Replacement Fee 20.00  
  Insufficient Funds Back Fee 25.00  
  International Credentialing Fee 100.00  
  NAD Teacher Certification Online Learning Fee (per credit hour) 150.00  
  Online Program Identity Verification Fee 10.00  
  Proctoring Fee for an Online Class 17.50/hour  
  Parking Permit Fee 15.00  
  School of Religion Thesis Continuation Fee 100.00  
  Validation Exam 50.00  
  Validation Exam Recording Fee (per credit hour) 40.00  
  Wellness Center Semester Usage (optional) 80.00  
Lab fees:
  Lab fee 1 10.00  
  Lab fee 2 15.00  
  Lab fee 3 20.00  
  Lab fee 4 30.00  
  Lab fee 5 60.00  
  Lab fee 6 90.00  
  Lab fee 7 120.00  
  Lab fee 8 150.00  
  Lab fee 9 180.00  
  Lab fee 10 210.00  
  Lab fee 11 240.00  
  Lab fee 12 300.00  
  Lab fee 13 325.00  
  Lab fee 14 350.00  
  Lab fee 15 400.00  
  Lab fee 16 500.00  
  Lab fee 17 600.00  
  Lab fee 18 700.00  
  Lab fee 19 800.00  
  Lab fee 20 900.00  
  Lab fee 21 1,000.00  
  Lab fee 22 1,100.00  
  Lab fee 23 1,200.00  
  Lab fee 24 1,300.00  
  Lab fee 25 1,400.00  
  Lab fee 26 1,500.00  
  Lab fee 27 1,600.00  
  Lab fee 28 1,700.00  
  Lab fee 29 1,800.00  
  Lab fee 30 1,900.00  
  Lab fee 31 2,000.00  
  Lab fee 32 2,500.00  
  Lab fee 33 3,000.00  
  Housing Commitment Deposit 250.00  
  International Student Deposit 3,000.00  
Transcript fees:    
  Printed Transcript (per destination) 2.25  
  Electronic PDF Transcript 4.00  
  FedEx Service (U.S. and Canada destinations only) 27.25  

Estimated Program Length

Degree Programs Program Length (# of months/acad. yr.)
Business and Management (all emphases)   12
Computing (all emphases)   12
Education and Psychology    
  • Counseling emphases
  • Education emphases
  • Outdoor Education emphasis
Global Community Development   12
Nursing (all emphases)   12
Nursing DNP   12
Religion (all emphases)    4
Social Work (all emphases)   12

Estimated Student Budget

  (12 mos.) (8 mos.) (4 mos.)  
Tuition (9 credit hrs) $17,145 $11,430 $5,715  
Housing 10,098 6,732 3,366  
Board 3,750 2,500 1,250  
Books and Supplies 1,800 1,200 600  
Transportation 3,750 2,500 1,250  
Personal/Medical 3,750 2,500 1,250  
Financial Aid Budget* $40,293 $26,862 $13,431  
DNP Tuition (9 credit hrs) $23,220 $15,480 $7,740  
Housing 10,098 6,732 3,366  
Board 3,750 2,500 1,250  
Books and Supplies 1,800 1,200 600  
Transportation 3,750 2,500 1,250  
Personal/Medical 3,750 2,500 1,250  
Financial Aid Budget* $46,368 $30,912 $15,456  


*Estimate: Figures are estimated and will vary, depending upon individual needs and number of credit hours for which the student has enrolled.

Bank/Check Cashing

Students are encouraged to use their home bank or a local area bank for their personal financial services. Southern Adventist University does not cash personal checks. For the convenience of students and/or their financial sponsors, no-fee banking is available at the Collegedale Credit Union located in Fleming Plaza on the University campus. Service is provided six days a week. With a $50 savings account, students can open a no-fee checking account with no minimum balance. Several commercial banks close to the campus community also provide similar opportunities.


Books may be charged to the student’s account at the Campus Shop. Students may not charge items from the Adventist Book Center or other book stores to their student accounts.

International Student Deposit

In addition to the regular University costs, international students must pay an International Student Deposit of $3,000 (USD). This applies to all international students except documented permanent residents of the U.S. or residents of Canada, the Bahamas, and Bermuda. The deposit must be received before a U.S. Immigration Form I-20 is sent to the prospective student for entry to the U.S. Because mail service from many foreign countries takes time, this deposit should be sent at least six weeks prior to enrollment. This deposit will be refunded once the student graduates, withdraws from Southern Adventist University, or finishes their Optional Practical Training (OPT), at which time the international deposit will be applied to the student’s account and used to cover any remaining balance before credit is returned.


Student Health Insurance

Southern Adventist University offers students an affordable nationwide health insurance plan. Students enrolled in at least one on-campus class or living in University housing, are eligible (along with spouse and dependents) to purchase health insurance.  Students registered for online classes only are not eligible to purchase this insurance. 

Students living in University housing are required to show proof of health insurance that is compliant with the Affordable Care Act (ACA). Those who do not submit proof will be automatically enrolled with UHC.

For more information please visit southern.edu/risk. To enroll in a plan or to provide proof of coverage, visit www.southern.edu/forms.

Personal Effects Liability

When determining what to bring to campus, students should remember that Southern Adventist University is not responsible for the personal effects of any student, even though such effects may be required by Southern Adventist University for student use, or required by Southern Adventist University to be stored in a designated location. Insurance carried by Southern Adventist University does not insure the personal effects of any individual. Southern Adventist University recommends that students consider carrying insurance against possible losses.

Campus Housing

University-owned apartments & houses may be rented by students who are enrolled at least half-time per semester. They are available on a first-come-first-served basis. Apartments range in size from one bedroom to three bedrooms and are rented unfurnished (furniture rental available). Additional information and housing application can be found at southern.edu/housing.  A $250 housing deposit is required before a rental agreement is issued.

Base rates range from $480-$920 per month and are subject to change without notice.  Furniture, utilities, and similar services may be requested for an additional fee that varies by unit.  Rent is charged in full, each semester. Approval must be obtained through the Student Finance Office for the rent to be billed on the student account.  Charges are based on the date of issue/return of keys and proper check-in/out procedures.  Additional keys are available for $5/key and will be billed on the student account. Key charges and housing deposit are fully refundable unless there are unpaid rental charges, cleaning charges and/or unreturned keys. Additional charges are assessed if the deposit is insufficient to cover these costs.

No refunds are made for vacation periods or absences from the campus. When a student withdraws, a prorated portion of the semester charge will be refunded, based on date of check-out. Failure to check-out properly may cause additional charges and fees.

Meal Plans

Students not living in the residence halls may sign up for a meal plan starting at $250. Those not on a meal plan must pay via cash, credit, or debit card when making food purchases. Students that reside in University-owned housing and are on a meal plan will be exempt from paying sales tax on meal plan purchases. For all other individuals, sales tax will be applied to food purchases.

Purchases made on the $250 plan will receive a 20% discount at the register. Prepackaged foods, bottled drinks and vending machine items are not eligible for the discount. At any point in the semester, a student can add value in $100 increments as necessary. Unused portions of the Available Balance will be fully refunded at the end of the semester.

Prepaid Campus Account

Students have the option of purchasing items at the Village Market (non-deli), Campus Shop (non-books), and other places on campus, through their Prepaid Campus Account. Funds can be added during the semester at southern.edu/card and the amount will be billed to their student account.

At the end of the semester any unused portion will be refunded to the student’s account. Students will not be able to use their ID card to make these types of purchases if there are no funds available in the Prepaid Campus Account. Other payment options include cash, debit cards, or credit cards.

Any charges to a student’s account, outside of the normal educational expenses, must be approved by the Student Finance Office. Examples of charges which will not be approved are student club dues.

Refund Policies

Refund for Dropping a Class or Complete Withdrawal

A student who withdraws completely or drops a class during the semester will receive a refund of tuition and fees based on the date the completed withdrawal/drop form, with all required signatures, is filed with the Records and Advisement Office.  Financial aid received will also be adjusted based on the refund amount that a student receives. 


1st week 100%  
2nd and 3rd weeks 80%  
4th and 5th weeks 60%  
6th - 9th weeks 40%  
10th week through end of term 0%  


1st week 100%  
2nd week 50%  
3rd week through end of session 0%  

Refund of Credit Balances

Credit balances are refundable, upon request, one month after the monthly statement is received for the last month the student was enrolled, in order to be certain that all charges have been processed. For example, if a student graduates in December, a full credit refund would not be made until after the January statement is processed during the first week of February. When the credit balance is large, a portion may be refunded earlier upon request to the Student Finance - Billing and Collections Office. 

If the student has a credit balance caused by a financial aid overaward, the necessary credit will be applied to the financial aid funds, according to the Financial Aid Refund Policy. If any credit remains, the refund will be credited back first to any credit card that was used to make payment within 90 days of the refund. If the refund involves a credit card payment exceeding $2,000, the refund will be credited back first to the credit card regardless of the date of payment.  Two hundred dollars will be kept on-account for any additional charges that may occur.

Returned Check Policy

If a check is returned by a bank for insufficient funds, a closed account, or any other reason, a $25 returned check fee will be assessed to the student’s account. The privilege of paying by check for any future payments may be forfeited.

Payment Plans

Default: Semester Balance

Students are expected to pay the semester balance, less any financial aid, before the beginning of classes.

Monthly Payment Plans

If a student is unable to pay the semester expenses upfront, Southern Adventist University offers various payment plans through the Student Account portal at southern.edu/payment.

Once a student registers, their account will be charged for tuition and fees. After the charges have been posted, students and/or authorized users can enroll in a payment plan at southern.edu/payment. Payment due dates are specific to the payment plan. In order to help lower the average monthly cost and spread the semester payments over additional months, students can sign up early for a payment plan.  The monthly payment may be automatically increased to cover additional charges, in addition to tuition and fees that are incurred over the course of the semester.

Students whose accounts have been reported to a credit bureau or have filed for bankruptcy are not eligible for monthly payment plans and should be prepared to pay their semester balance, in full, before classes begin.  Studenets who have a history of non-payment on their payment plan may not be eligible for payment plans and will b offered the default payment terms.

Payment Methods

Students must grant access to authorized users within the system before authorized users (including parents) can view or make payments to the student’s account. Students use their Southern Adventist University username and password to access the system.  Students and/or authorized users can make payments in person, via mail, or online at southern.edu/payment

Credit Card Payments

Southern Adventist University honors VISA, MasterCard, Discover, American Express and debit cards for making payments on a student’s account. No cash withdrawal service is available from these cards (this service may be obtained from a local bank).

Automatic credit card payments can be setup when the student and/or authorized user enrolls in a payment plan.

Personal Check Payments

Payments made to a student’s account through mail or in person by personal check should have the student’s 6-digit ID number written on the check. If the ID number is not written on the check when it is received, it will be written on the check by a Southern Adventist University employee for posting purposes.

Payment via electronic check can be made online at southern.edu/payment.

Collection Policies and Procedures

Current Account Collection Policies

Each semester, a student must have their account balance, less any eligible financial aid, paid in full or be current on a monthly payment plan otherwise their classes will be dropped on the last day for a 100% refund.  Once classes are dropped, students can only have them reinstated if the account is paid in full, the payment plan is brought current or a different financial agreement is approved by the Financial Appeals Committee.  Students who cannot reach a satisfactory financial agreement by the census date (last day to add a class), will need to stop attending classes and if applicable, will be given one week to move out of campus housing.

Eligibility for returning students to register for future semesters will be based on having their account balance paid in full, less any eligible financial aid or current on their monthly payment plan.


Statements will be sent out no later than the 5th business day of each month.  Payment is due on the 24th of the month, unless enrolled in a monthly payment plan.  If payment is not made by the end of that particular month, a $25 late fee will be charged.

Students enrolled on a monthly payment plan will receive a statement detailing any new charges, however the payment amount and payment due date will defer to the online payment plan. An automated reminder email will be sent two days before the payment plan due date and if necessary, a second email is sent once the payment is late. A $25 late fee will be charged fifteen days after the payment plan due date.

Non-Current Account Collections Policies

Students completing or terminating their studies with Southern Adventist University should pay their account balance in full prior to leaving. If a student is no longer enrolled and has not paid their account balance in full, the account will be designated as non-current. A finance charge of one percent per month (or the maximum allowed by law, if lower) will apply to all non-current accounts.  Southern Adventist University reserves the right to withhold payment, for services rendered, to satisfy a non-current account.

Non-current student accounts are reported to the credit bureau 60 days after the account is designated as non-current.  Once an account is reported to the credit bureau, it must continue to be reported until the account is paid in full and has had no activity for six months or is transferred to a collection agency.

If non-current accounts are not paid in full or satisfactory payment arrangements have not been made within 120 days, the account will be transferred to a collection agency and/or attorney.  If Southern Adventist University deems it necessary to employ a collection agency and/or attorney to collect defaulted accounts, all charges for these services, including collection fees and/or court costs, will be added to the unpaid account.  See Southern Adventist University’s Financial Responsibility Agreement for additional details regarding the summary information provided here.

Bankruptcy Policies

Student accounts are considered educational debt per Southern Adventist University’s Financial Responsibility Agreement and constitute a student loan which is generally not dischargable under a U.S. Bankruptcy Code at 11 U.S.C. §523(a)(8). Recognizing that the discharge of a debt through bankruptcy proceedings prohibits a creditor from subsequently pursuing the collection of the debt, Southern Adventist University, upon notification by the court of such filing, will comply with this legal prohibition. No further services will be extended. The bankruptcy of a financial sponsor in no way changes the underlying financial obligation of the student to pay their student account and/or student loans.

Transcript and Diploma Requests Policies

Under U.S. Department of Education regulations, Southern Adventist University will withhold official academic transcripts, diplomas, certificates of completion, and other records if a student has an unpaid or past due student account, has any Perkins, Nursing, or Institutional loans that are past due or in default and/or has not completed exit counseling for ALL federal or Institutional loans. Exit counseling is required for each type of loan when a student graduates, leaves school, or drops below half-time enrollment.

For currently enrolled students, exceptions may be considered when the account is current except for the pending disbursement of financial aid.  For non-enrolled students, official transcripts and/or diplomas will be released once the student account is paid in full, current on Perkins, Nursing, or Institutional loans, and all exits have been completed.

When payment is made by personal check, the transcript will be held for ten working days to allow the check to clear. TO EXPEDITE THE RELEASE OF THESE DOCUMENTS, THE STUDENT SHOULD SEND A MONEY ORDER, CASHIER’S CHECK OR PAY BY CREDIT OR DEBIT CARD TO COVER THE BALANCE OF THE ACCOUNT.