Yes each SSN. I have yet to hit this hard, so I don't have any experience with different AU's that were added without SSN. I am trying to play it safe.. Debating if I should use any of the 15 AU's names that were not added with a SSN. Basically my question is when a SSN isn't there do all the AU's just get lumped together with original cardholder (myself) in which case they wont get anything,,,,