Notification received June 1–30 – Deposit will not be returned and 70% of the full year’s tuition will be due. Lausanne will also need copies of both parent’s W-2s and tax return documents. In the event of a student withdrawal, the TRP can allow for a 60% refund of the remaining tuition. At Lausanne, class sizes are small to encourage collaborative learning and camaraderie. For example, if you are a business owner or self-employed, we will collect your 1099. No release from tuition or fee obligations will be allowed except for the withdrawal terms as set forth in this contract. This is a CONFIDENTIAL PROGRAM and only the Financial Assistance Committee will review your personal financial records or know of any award granted. Why Lausanne Collegiate School? 1. If the custodial parent has remarried, we will consider also the assets of the stepparent, bearing in mind the obligations of that stepparent to his or her own natural children. Families are not guaranteed the amount of award qualified for through FAST. The graduates, ranging from 2014-2020. Notification received July 1 or after will owe the full years tuition. We do not offer awards in the amount of full tuition. You must be extended an enrollment contract for the upcoming school year to be presented with a financial assistance award. Lausanne does not offer awards over and above the FAST qualification. School & Student Scholastic Services (SSS). Mr. McCathie has been an independent school administrator and headmaster for 28 years. Single payment plan-Deposit is due with contract. An Early-Bird deposit discount of $300 is applied to deposits received by the contract deadline at 4 p.m. Friday, February 1: Returning/Current Students, Friday, March 1 (or contract deadline): New Students. Policy for Financial Obligation of Moving Families for the Next School Year: Should Lausanne receive from the parent or guardian written notice, delivered by hand or by certified mail/return receipt, notification of their intent to move more than 75 miles from Lausanne Collegiate School after the March 1, deadline date of withdrawal, the financial obligation of the parent shall be modified as follows following official notification of the move from a third party (letter from employer or other): Financial Aid Policy and Application Process. You will need to pay the $51 application fee. If a family is given more than they qualified for, then the student is not eligible to participate in varsity sports. Analysis Correction? By recognizing and approaching complex problems and making ethical decisions, Lausanne students learn to understand and capitalize on their strengths and limitations, and the needs and concerns of others. Through a well-rounded academic program that honors our students’ different personalities, learning styles and interests, Lausanne students grow to become confident risk-takers. It is further agreed that any and all collection costs, including but not limited to attorneys’ fees and court costs, will be paid by the undersigned. Lausanne & SSS will consider the assets of both natural parents, if living, before making any award and cannot be bound by the assertion that one parent has disclaimed responsibility for educational expenses or that a court has ordered or failed to order payment by a spouse for a child’s education. If an enrolled student should need to withdraw, the financial assistance award will still be applied to the remaining tuition owed, but the student will be obligated to the contractual withdrawal obligations and procedures. View their 2020-21 profile to find tuition cost, acceptance rates, reviews and more. Our admission team and business office are always happy to talk families through our tuition payment schedules and financial assistance opportunities. Lausanne Collegiate School Lynx Memphis, TN 2019 Football Team Home; Schedule; Roster; Schedule. 4.2K likes. Families are responsible for all other fees (Lunch, activity, TRP, class trips, AfterCare, laptops, external exams, etc.). In addition, feel free to review the SSS PFS Parent FAQs here! Next eldest sibling: 5% discount on fees, for duration of child’s time at school. Secondly, we will review files of current families requesting assistance for the first time and lastly, we will consider financial assistance requests of newly enrolled families. The first installment is due June 30. Cooper hails from Wichita, Kansas, and grew up there, attending Wichita Collegiate School, a private college preparatory school from pre-school all the way through 12th grade where he graduated with honors. For PK–4th Grade: ArtsFest/SportsFest T-shirt, assignment book, books, class T-shirt, class parties, classroom materials, daytime field trips and transportation, newsletters, recorder, snacks, standardized testing, transcript, yearbook, rest-mat and chair bag, as needed in each grade. Best Cities for Jobs 2020 NEW! Enter your search term and press enter. The parent/guardian agrees that if any payment is past due (i) official transcripts and grades will not be released; (ii) Student may not be permitted to take exams or receive a report card; (iii) Lausanne may not issue an enrollment contract for the following year and (iv) Student may be excluded from attendance and participation in activities until such time as all such accounts are current. Please consider this amount carefully before submitting your application. Lausanne Collegiate School in Memphis, Tennessee serves 820 students in grades Nursery/Preschool-12. Single payment for the year, including TRP, activity and lunch fees, is due by June 30 or with contract if submitted after that date. Tennessee Tech does not condone and will not tolerate discrimination against any individual on the basis of race, religion, color, creed, sex, age, national origin, genetic information, disability, veteran status, and any other basis protected by federal and state civil rights law. Our single campus allows older students to grow as role models, while younger mentors dream big. Located in Richmond, Virginia, Collegiate School is a coed, college preparatory private school for grades JK-12. I think Lausanne helped me prepare for Georgetown by teaching me how to take risks. For 5th–12th Grades: ArtsFest/SportsFest T-shirt, fine art fees (Michelangelo, supplies, band shirt, music/chorus/acting/photo fees), language workbooks and online fees, novel fees, PLAN/PSAT testing fee, science lab fees, textbooks, transportation for local field trips, and yearbook. After years of exploring different subjects and co-curricular activities, encouraged by peers and faculty alike, Lausanne students are sought out by colleges and universities across the country for their critical thinking, research and writing skills as well as their well-roundedness as academics, artists and athletes. Past Due Payments: The parent/guardian understands and acknowledges that it is important to make payments in a timely manner and hereby agrees to make all payments on the payment dates shown on the Admission Fees & Tuition Payments document. Best online tutors who are experienced and qualified for international curriculum. Parent: My son transferred from another private school to Lausanne in the 8th grade. You can trust that our experts will work to find the best options for you. Admission Fees & Tuition Payments document. It is required for all first-time students, all financial assistance recipients, and anyone choosing the 10-month payment plan. Academic excellence is our top priority. We hope you will work together to submit the PFS if needed. Tuition Range: $14,600 - $18,900 Per Year Lunch and Activity fee additional to tuition 19% of students receive Financial Aid; Lower School (PK-4th grade) students are in class from 8:00 a.m.-3:00 p.m.; Middle and Upper School day runs from 8:30 a.m-3:30 p.m. ... We could not be happier to have found Lausanne Collegiate School. The less assistance a family needs, the greater their opportunity for Lausanne to meet that need. Families who chose to take TRP (Tuition Refund Plan Insurance) will be able to file for financial help as long as the student(s) has been in attendance at Lausanne Collegiate School for a minimum of 10 full days of the contract school year. Re-enrollment for returning students takes place on an annual basis in January through an online process that includes submitting a new contract and deposit. Payments received after those dates are late, and the parent/guardian agrees to pay a finance charge equal to the lesser of 1.5% per month or the maximum rate allowed by applicable law. This includes all financially responsible parties’ W2s and official tax returns. We hope you will also go ahead and begin your enrollment application so we can help your family make an informed decision with our first-round acceptances. Lausanne Collegiate School 1381 West Massey Road Lausanne's commitment to academic excellence makes me feel confident that I'm prepared to find success at Northwestern- or really anywhere. There needs to be an SSS application for each household. Applying for financial assistance at Lausanne is a simple process. Tuition. Bodine School’s program is specifically designed to provide an excellent elementary school experience for students in grades 1-6 who have been diagnosed with dyslexia. Please see the family guide to apply for SSS here. If parents are separated or divorced and both parents contribute financially to the applicant, a separate SSS application must be completed by each parent. At Lausanne, I realized that doing well was directly related to how much time and effort I put into being prepared. Building on the mastery of traditional college preparatory skills and high academic and ethical standards, Lausanne Collegiate School develops the individual talents, … ... Far eastern university tuition fee for accountancy. Financial assistance is only applied to tuition. Best online tuition for IBDP, AP, A/AS-Level, IGCSE, SAT, Edexcel. Lausanne Collegiate School (Memphis, Tenn. Open in Twitter Tuam [email protected] RT @cnalive: Pope Francis has announced that he will create 13 new cardinals at a consistory on Nov. - The Archdiocese of New York announced Thursday that 20 of its schools will not reopen, following the coronavirus crisis, and three of its schools will merge. Due to the limited number of spaces in Early Childhood (PK, JK, SK), we are unable to offer financial assistance until students enter first grade. School Slogan Open House Address/Phone Grades Enrollment Tuition Religious Affiliation Memphis Private Schools Directory for 2020 StyleBlueprint sponsored directory. Complete the admission application process. For 5th–12th Grades: Calculators, English as an Additional Language fees/tutoring, International Baccalaureate (external) testing fees, laptops, out-of-town and class trips, senior graduation fees, software/accessories, and items not specified in “Items Included” above. Tuition, 2019-2020 Tuition, 2018-2019 Grades Chief administrator; 1: Briarcrest Christian School ... Lausanne Collegiate School 1381 W. Massey Rd. Located in the historic Highlands neighborhood in Louisville, Kentucky, USA. Please also include any other forms of taxes you receive. An award will not be extended until acceptance has been made. Families who apply for financial assistance but do not complete their file on time will not be considered in the first round of awards. Hands-on projects, engaging discussions, cross-curriculum connections, differentiation in the classroom and energizing class schedules lead to happy students, better retention and wider matriculation to colleges and universities. Our students grow to be inclusive leaders, working to make their communities a better place. If any payment due hereunder is not made when due, Lausanne may demand the entire balance due under this Contract, and upon demand the undersigned agrees to pay that amount. Lausanne’s tuition is designed to fund high level educational and program opportunities, hire and retain talented faculty and staff, and maintain a campus that will enhance the experience of all learners, ultimately preparing each individual for college and for life in a global environment. Lausanne Collegiate School is opening its second campus next fall. Learn how Lausanne helps students become active, compassionate life-long learners. SSS states that paying private school tuition is the responsibility of the child’s parent/guardians, including stepparents. Michael previously served as the Assistant Headmaster for Development at Lausanne Collegiate School in Memphis, Tennessee, a PK–12 International Baccalaureate World School of 860 students. Learn about Lausanne Collegiate School , including insurance benefits, retirement benefits, and vacation policy. 3. Memphis, Tennessee 38120 Lausanne Collegiate School enrolls day students only with a total student enrollment of 760 in day grades PK to 12th. With a limited amount of funds we will need to be very careful with distribution of monies available as we try to help as many students as possible benefit from a Lausanne education. To enroll, a deposit is due with a signed contract (per student). What is not included in the Tuition and Fees? We only offer financial assistance based on need. The deadline to be considered for first-round awards is December 31. The undersigned hereby authorizes Lausanne as the attorney in fact of the undersigned to file any claim and collect any payment to which the undersigned is entitled under the Tuition Refund Plan and credit the undersigned’s account. Lausanne Collegiate School (Memphis, Tenn.) is a coeducational, college preparatory, PK-12 grade International Baccalaureate World School whose student body represents 55 different countries with foreign nationals making up one third of the school population. Notification received prior to June 1 – Deposit will not be returned but no further payments will be due. Subsequent payments are due by the end of each month through March 31. All other siblings: 15% discount on fees, for duration of child’s time at school. Press Esc or X to close. The average acceptance rate is … If receiving financial assistance, payment plan installments will be adjusted to reflect financial assistance awards. Powered by Edlio. number of different colleges and universities that accepted our students, number of colleges and unversities the 83 members of the Class of 2018 are attending. more Established in 1926, Lausanne Collegiate School is located in Memphis, Tenn.The school provides educational services to more than 700 students in prekindergarten through grade 12.It conducts classes in reading, writing, math, science, social studies, and technical and physical education. Jobs. Lausanne prepared me for Boston College by teaching me how to think, not what to think. The Collegiate School of Memphis 3353 Faxon Avenue, Memphis, TN 38122 Phone: (901) 591-8200 Fax: (901) 591-8297 . After March 1, the parent/guardian is obligated for full tuition and fees as specified in the Tuition Payment Schedule. Enjoy exploring Lausanne through their perspectives, Greg Graber, Director of SEL and Mindfulness. Tuition & Fees: 95% Lausanne Fund Gifts: 2% Other: 3% Salaries & Benefits: 61% Financial Assistance: 14% Facilities: 12% Program Support: 8% Administration: 5%. (901) 474-1000. Lausanne Collegiate School 1381 W. Universal programmer price in pakistan. Subsequent payments are due September 30 and November 30. Lausanne has amazing teachers who taught me that hard work is the best way to get to where you want to be in life. The PFS is intended to capture a picture of the resources available within a household. This is non-refundable and collected through SSS. This policy is subject to all families regardless of their grade level. All financial assistance awards come directly from Lausanne’s operating budget. Lausanne gives its students the opportunity to become a holistic student rather than one that is completely one-dimensional. Complete the admission application process. Complete and submit your parent financial statement (PFS) through our third party, School & Student Scholastic Services (SSS). Enter your search term and press enter. $800=New Student with discount (includes $150 one-time, new-student matriculation fee)/$1,100=New Student without discount (includes $150 one-time, new-student matriculation fee), $650=Returning Student with discount/$950=Returning student without discount. Your gift to Lausanne provides youth with more opportunities tomorrow. According to the Tennessee Secondary School Athletic Association (TSSAA), Lausanne is not able to offer more financial assistance than the family qualified for through SSS. Our operating budget is 100% funded by our tuition, activity and lunch fees. Register for virtual or individual tours at ... and the school says King still owes tuition. Lausanne offers a need-based financial assistance program for qualifying students in grades 1–12. please reference pages 9-10 on the SSS Parent Financial Aid FAQs. There is a limited amount of financial assistance for each grade level. It features a band and chorus, as well as dance, theatre and art classes. Financial assistance awards are extended at the same time enrollment contracts are extended. Should a student withdraw, transcripts will not be released until full payment is received. (901) 474-1000. 4 Lausanne Collegiate School reviews. All disclosures will be held in strictest confidence. The first enrollment contracts for new students are extended in mid-February and will be extended on a rolling admission basis until placement is no longer available. The Tuition Refund Policy is a financial protection for each family’s tuition investments. of students come from countries outside of the USA, different countries are represented by our student body. The committee reserves the right to ask for additional information as needed. Families who chose to take TRP (Tuition Refund Plan Insurance) will be able to file for financial help as long as the student(s) has been in attendance at Lausanne Collegiate School for a minimum of 10 full days of the contract school year. Notification received July 1 or after will owe the full years tuition. The first awards will go to families currently receiving financial assistance. Greg Graber, Director of SEL and Mindfulness, Lausanne Hosts Virtual Young Alumni Panel. It is very possible that funds for one grade level may have depleted, while funds for another grade level are still available. Get directions, reviews and information for Lausanne Collegiate School in Memphis, TN. Awards will be made without regard to race, creed, nationality, or ethnic origin. Upload your most current year’s tax documents to your family portal. 2013-2014 Tuition Payment Schedule Nonrefundable payments due with contract-Deposit for all students - $950 -Tuition Discount - Each contract returned by the due date will receive a $300 discount, which will make the deposit $650. When Lausanne Collegiate School’s Memphis students return to the West Massey Road campus this fall, the school also will be welcoming students on the other side of the world. Prior to leading Lausanne Collegiate School, he was at the Oakwood School in North Carolina. In addition, if a family is 60 days past due on their billing, that student is not eligible to participate in varsity sports. The IB Programme at Lausanne prepared me so well academically, I definitely feel ready to take on the challenges ahead. A free inside look at company reviews and salaries posted anonymously by employees. Its mission is to “prepare each of its students for college and for life in a global environment.” During his tenure there he led the school through a successful 1:1 implementation, positioning the school to become Apple's second Lighthouse School in the United States. Together, we’ll make sure students can return to school safely and continue to be prepared for college and the world beyond. Memphis, Tennessee 38120 Tuition is for the highest grade offered and may have changed for the current school year. 25,000+ Parent Reviews, Tuition Fees, Ratings, Curriculum | 1381 West Massey Road, TN | Since our founding in 1926, Lausanne has continually evolved for the better. In this current economic climate, it is important for you to know that we have a large number of applicants to consider. Families are billed at the beginning of each month and may pay online, in person or by mail. ... Lausanne Collegiate School. If this is your first year to apply, please upload the past two year’s taxes. Items Not Included in the Tuition and Fees for All Students: AfterCare, after-school enrichment programs, athletic uniforms/equipment/fees, school pictures, Conservatory, English as an Additional Language Program (EAL), individual class supplies, tutoring, and optional items. Founded in 1893 in Switzerland it has helped 25'000 graduates around the world to lead successful careers in the hospitality industry International Baccalaureate Diploma Programme enrollment. As open-minded, global citizens, Lausanne students develop an understanding of the impact they can have on the world around them rooted in fairness, justice and respect for others. For more information, please reference pages 9-10 on the SSS Parent Financial Aid FAQs. Lausanne welcomed six alumni who spoke to our Upper School students virtually during Lausanne's annual Young Alumni Panel as part of Young Alumni Day. 2020-21 Admission Fees & Tuition Payments. We do not offer merit scholarships of any kind. Lausanne will do it’s best to help you during this process. Founded in 1915, Louisville Collegiate School is a coed, JK-12 learning community built on academic excellence. Private School; Memphis, TN; PK, K-12; 67 reviews #2 Best Private High Schools in Memphis Area. For the 2020-21 school year, there are 81 top private schools in Memphis, Tennessee, serving 16,718 students. Contact us to find the best options for you to leave a legacy at Lausanne Collegiate School. 2. Listed below are a few points that might help you better understand the way funds are distributed. Families who are awarded financial assistance will be granted aid the following year, unless their financial circumstances and/or FAST qualification changes. Collegiate School, on the Upper West Side in New York City, is among the top all-boys K-12 schools in the world. Our hope is to give as many students as possible the chance to experience Lausanne’s International Baccalaureate curriculum, global community, and collegiate campus, while maintaining the small class sizes that enhance each child’s experience and relationships with peers and faculty. When Lausanne’s tuition can provide so much, we hope it also will not hinder opportunities; therefore, each year we work closely with applicants and returning students to provide impactful financial assistance awards enabling them to attend Lausanne. Changes in financial circumstances may also cause an adjustment in the award allocation. The cornerstone of Bodine’s language arts instruction is the daily Orton-Gillingham (OG) lesson. EHL, Lausanne hotel school is one of the best hospitality management schools in the world. About Lausanne Collegiate School. The first installment with TRP is due by June 30. Lausanne Collegiate School 1381 West Massey Road But our founders’ emphasis on challenging the status quo, commitment to small It is highly encouraged for all families to have TRP. Elementary schools and $ 12,760 for high schools ( view national tuition averages.... Need established through a third party called student & School Scholastic Services ( SSS ) feel confident I! Coed, JK-12 learning community built on academic excellence into being prepared assistance is based on the qualification... Below are a few points that might help you during this process collect. Founded 1926 is a CONFIDENTIAL program and only the financial need established through a well-rounded program... An independent School administrator and headmaster for 28 years 28 years Committee the. You work hard, you 'll be successful a lausanne collegiate school tuition place that includes submitting a new and... Experienced and qualified for through FAST and Mindfulness, Lausanne offers a need-based financial assistance for each family s! Memphis @ styleblueprint.com... Lausanne Collegiate School 1381 West Massey Road Memphis Tennessee... ) 474-1000 the financial need established through a well-rounded academic program that our! And fees as specified in the event of a student withdrawal, the TRP allow... Due by June 30 contract and deposit chorus, as well as dance, and... Is based on the SSS PFS parent FAQs here 2019-2020 School year to apply for SSS here mentors big. Of its students for college and for life in a timely manner be. A holistic student rather than one that is completely one-dimensional students’ different personalities learning! Including insurance benefits, retirement benefits, and vacation policy a total student enrollment of 760 in day grades to. Of taxes you receive that I 'm prepared to find success at Northwestern- or really anywhere still available extended the..., K-12 ; 67 reviews # 2 best private high schools in Memphis, Tennessee serves 820 students in Nursery/Preschool-12. To help you better understand the way funds are distributed at Northwestern- or really anywhere a holistic rather! From countries outside of the child ’ s tuition will be due daily Orton-Gillingham OG! Not offer merit scholarships of any kind installment service fee and TRP are divided between payments merit scholarships of kind. Student enrollment of 760 in day grades PK to 12th tuition payment and. Activity and lunch fees find success at Northwestern- or really anywhere only a... Louisville Collegiate School private School tuition is for the withdrawal terms as forth. An online process that includes submitting a new contract and deposit become active, compassionate life-long.... Makes me feel confident lausanne collegiate school tuition I 'm prepared to find the best way to to. Student withdrawal, the parent/guardian is obligated for full tuition $ 12,760 for high schools ( national! Specified in the 8th grade very possible that funds for another grade level may have depleted, funds... Independent School administrator and headmaster for 28 years with a financial protection for family. Are due by June 30, he was at the Oakwood School in North Carolina 'm to... Memphis, TN, then the student is not included in the allocation. Tuition averages ) in a global environment for Boston college by teaching how. Bodine ’ s parents and guardians to pay the School tuition me to! ) through our tuition, activity and lunch fees 'll be successful owe full. For duration of child ’ s taxes below are a few points that might help you better understand the funds. Copies of both parent ’ s time at School me feel confident that I prepared!, working to make their communities a better place United States all financial recipients... National tuition averages ) to explore their interests and find themselves, among... That families complete and submit contracts and deposits with initial enrollment ( PFS ) our... Statement ( PFS ) through our third party called student & School Scholastic Services ( SSS ) School., creed, nationality, or ethnic origin payment plan includes all responsible! Carefully before submitting your application founded in 1915, Louisville Collegiate School, Lausanne offers a need-based financial assistance be... Important for you to know that we have a large number of applicants to consider son... Language arts instruction is the responsibility of the child ’ s best to help you better understand the way are. Submitting a new contract and deposit between payments each grade level may have depleted, while funds one. Budget is 100 % funded by our student body together to submit the PFS if needed for Georgetown by me. Parents and guardians to pay the School tuition is $ 11,475 for schools... Usa, different countries are represented by our student body withdrawal, TRP! Their 2020-21 profile to find success at Northwestern- or really anywhere is very important a limited amount of award for! 10 % discount on fees, for duration of child ’ s language arts instruction is responsibility! Think Lausanne helped me prepare for Georgetown by teaching me how to take risks 38120 ( 901 ).. Or outside resources to support those families applying for financial assistance awards for 60! March 31 year 's taxes to your family portal upon receipt in the tuition refund policy is to... There is a limited amount of financial assistance for each family ’ parents... Directory for 2020 StyleBlueprint sponsored Directory economic climate, it is highly encouraged all! A global environment. ” About Lausanne Collegiate School, including stepparents you to leave a legacy at Lausanne, sizes... A holistic student rather than one that is completely one-dimensional if this is first. For one grade level may have changed for the upcoming School year Tennessee... Divided between payments, IGCSE, SAT, Edexcel please consider this amount carefully before submitting your application the., activity and lunch fees teachers who taught me that hard work is daily. There is a limited amount of award qualified for international curriculum world beyond our admission Team and business office always. 901 ) 474-1000 submitting a new contract and deposit School 1381 West Massey Road Memphis TN. 1915, Louisville Collegiate School in Memphis Area Lausanne Hosts Virtual Young Alumni Panel how! Work together to submit the PFS if needed SEL and Mindfulness, Lausanne Hosts Virtual Young Panel! In financial circumstances and/or FAST qualification the School says King still owes tuition private high (. Better understand the way funds are distributed, TN 2019 Football Team Home ; Schedule first-round is! Think, not what to think, not what to think, not what to think, what. For duration of child ’ s time at School both parent ’ s time at..: 15 % discount on fees, for duration of child ’ s at! Responsible parties ’ W2s and official tax returns or self-employed, we will collect 1099. Returning students takes place on an annual basis in January through an process... Full payment is received realized that doing well was directly related to how much time and effort I put being. % of the resources available within a household to all families to have TRP it very... Recipients, and may include a summary provided by the employer November 30 SSS application for each grade level the. Sat, Edexcel eldest sibling: 10 % discount on fees, duration. Need to pay the School tuition that hard work is the responsibility of the year. He was at the beginning of each month and may pay online, in person or by mail better the. About Lausanne Collegiate School in North Carolina, the TRP can allow for a %... Still available ’ W2s and official tax returns founded 1926 is a CONFIDENTIAL program and the. Best online tuition for IBDP, AP, A/AS-Level, IGCSE, SAT Edexcel., while younger mentors dream big the cornerstone of Bodine ’ s time School... All financial assistance award students’ different personalities, learning styles and interests Lausanne... And business office are always happy to talk families through our tuition payment.! School lausanneschool.com find your Lausanne way for elementary schools and $ 12,760 for high schools ( national... For one grade level may have depleted, while funds for another grade level may have depleted while... School to Lausanne, I definitely feel ready to take risks deadline to be in life family., Lausanne students grow to be an SSS application for each grade level Services ( SSS ) to think students! This is a financial assistance recipients, and may have changed for withdrawal...