Determination of Initial Credit Limit Process Flow Creditworthiness

Determination of Initial Credit Limit - Process Flow Creditworthiness Evaluation Process (Section 1. 3. 3. 1) Key: Contacts Creditor to apply Solid Lines = Normal Process Dashed Lines = Exceptions Submits Credit Application Form to Creditor Provide requested information (Applicant or Guarantor) gathers needed financial information (delays would add time to clock) Creditor Applicant Fills out Credit Application Form & supporting documents Receives Credit Application Form from Applicant (clock starts/ restarts) (MBP 2. 3. 3. 5) Sends Credit Application Form to Applicant Checks Credit Application Form for completeness Sends request for missing data/ documents via overnight/ fax/e-mail No (clock stops) Complete? If Credit Application Form is not complete, Creditor must notify the Applicant of missing items within 5 Business Days (MBP 2. 3. 3. 6) Receives written results Prepare and send written report of initial credit limit determination via overnight/fax/e-mail (within 5 Business Days) (MBP 2. 3. 3. 13) Request needed clarification No Able to complete? Yes Perform initial credit limit determination (within 10 Business Days) (MBP 2. 3. 3. 12) Yes Evaluation complete Initial credit limit determination completed Note: Individual Model Business Practice (MBP) numbers cited only when they specify time frames Ratification Date xx/xx/xxxx (Version Approved by SUIS 3/18/2008

Reconsideration of Determination of Initial Credit Limit - Process Flow Applicant Creditworthiness Evaluation Process (Section 1. 4. 3. 1) Fills out Credit Application Form & supporting documents Request reconsideration by Creditor Gathers needed financial information Rec’d <=30 days of determination ? (2. 3. 4. 1) Receives reconsideration request No Creditor Submits Credit Application Form to Creditor Material Change? Initiate reconsideration No No Receives written results Receives notice denying reconsideration Perform credit limit determination Go to Challenge process flow Diagram (MBP 2. 3. 4. 1) Same Process as “Determination of Initial Credit Limit” (See RXQ 2. 4. 1 Process Flow Diagram) Yes No 12 months since evaluation? Time for periodic review or aware of Material Change? Yes Process complete Send Credit Application Form to Applicant Yes Send notice denying reconsideration request Yes Note: Individual Model Business Practice (MBP) numbers cited only when they specify time frames STOP Ratification Date xx/xx/xxxx (Version Approved by SUIS 3/18/2004)

Reconsideration of Determination of Initial Credit Limit – Challenge Process Flow Creditworthiness Evaluation Process (Section 1. 4. 3. 2) Evaluation complete Applicant Yes Receives and reviews written credit limit determination results Is determination acceptable ? Yes No Is determination acceptable? No No Is Creditor subject to ARA’s (1) dispute resolution process Yes Prepare and submit Challenge (within 30 Days) (MBP 2. 3. 4. 1) No Applicant and Creditor review initial determination and supporting data Receives and reviews new written results Receives notice denying Challenge Appeal to Applicable Regulatory Authority Material errors? Yes Creditor (1) ARA = Applicable Regulatory Send written report of results Authority Receives Applicant’s Challenge Provides rationale for Applicant review (within 5 Business Days) (MBP 2. 3. 4. 2) Received <= 30 days ? Yes Perform credit limit reevaluation (within 10 Business Days of receipt of corrected information) Prepare and send Written report of result (within 5 Business Days) Maximum Duration = 15 Business Days (MBP 2. 3. 4. 2) Note: Individual Model Business Practice (MBP) numbers cited only when they specify time frames No Sends notice denying Challenge Ratification Date xx/xx/xxxx (Version Approved by SUIS 3/18/2004)

Disqualification/Remedies - Process Flow Disqualification/Remedies (Section 1. 5. 3. 1) Stop Applicant Action taken Receives (lower) security arrangement in place No Ask to reduce security? Request new (lower) security arrangement Yes R< S Start (R)isk vs (S)ecurity? Reduce risk exposure Creditor request received Stop R=S Requests made via overnight, fax, or e-mail None Done Provide add’l security Shortfall remedied within time limit? R< S Yes Creditor No Request add’l security? Yes Send request for add’l security No Stop Reduce risk by stopping Enrollment Requests, move custs to Dual Billing, reduce product sales, or other ARA-approved remedy, including disqualification (if Applicant is Supplier) Done Applicant request received Establish new (lower) security arrangement Note: Individual Model Business Practice (MBP) numbers cited only when they specify time frames Ratification Date xx/xx/xxxx (Version Approved by SUIS 3/18/2004)