1. Application Complete? (2.3.3.6) No (clock stops) Yes No Yes RXQ.2.4Models RXQ.2.4.1 Determination of Initial Credit Limit – Process Flow Applicant Creditor (delays would add time to clock) Send Makes Credit Application Form available to Applicant (2.3.3.3) Contacts Creditor to apply (2.3.3.3) Fills out Completes Credit Application Form & supporting Documents (2.3.3.4, 2.3.3.6.1 or 2.3.3.11) (Applicant (or Guarantor if required) gathers needed financial Information or documents (2.3.3.4, 2.3.3.6.1 or 2.3.3.11) Submits or resubmits Credit Application Form to Creditor (2.3.3.4, 2.3.3.6.1 or 2.3.3.11) Receives Credit Application Form from Applicant (clock starts/ restarts) (2.3.3.4 & 2.3.3.5) Checks Credit Application Form for completeness (2.3.3.6) Sends request for missing data/ documents via overnight/ fax/e-mail (2.3.3.6) Perform initial credit limit determination (within 10 Business Days) (2.3.3.12) Able to complete? (2.3.3.12.1) Request needed Clarification (2.3.3.12.1) Initial credit limit determination completed (2.3.3.12) Prepare and send written report of initial credit limit determination via overnight/fax/e-mail (within 5 Business Days) (2.3.3.13) Receives written results (2.3.3.13) Evaluation Complete (2.3.3.13) Note: Individual Model Business Practice numbers cited only when they specify time frames Provide requested Information (2.3.3.12.2) Key: Solid Lines = Normal Process Dashed Lines = Exceptions If Credit Application Form is not complete, Creditor must notify the Applicant of missing items within 5 Business Days (2.3.3.6) 1

2. RXQ.2.4.2Reconsideration of Determination of Initial Credit Limit – Material Change Process Flow Applicant Creditor No Yes STOP No Receives reconsideration request Request reconsideration by Creditor Recd <=30 days of determination ? (2.3.4.1) Go to Challenge process flow Material Change? 12 months since evaluation? Initiate reconsideration Time for periodic review or aware of Material Change? Send Credit Application Form to Applicant Fills out Credit Application Form & supporting documents Gathers needed financial information Perform credit limit determination Submits Credit Application Form to Creditor Receives written results Process complete Receives notice denying reconsideration Send notice denying reconsideration request Note: Individual Model Business Practice numbers cited only when they specify time frames Same Process as Determination of Initial Credit Limit (See RXQ 2.4.1 Process Flow) No Delete This Entire Slide 2

3. RXQ.2.4.2Reconsideration of Determination of Initial Credit Limit – Material Change Process Flow Applicant Creditor No Yes Initiate re- evaluation using RXQ.2.4.1 Material Change occurs No Yes Applicant notifies Creditor (2.3.4.4) Creditor receives notice of Material Change (2.3.4.4) Re-evaluation necessary (2.3.4.8 & 2.3.4.5) No further action Request Event- Driven Reconsideration (2.3.4.6) No No further action Yes Applicant requests Event- Driven Reconsideration (2.3.4.6) Receives request for Event-Driven Reconsideration (2.3.4.6) Creditor decides to re-evaluate Applicant (2.3.4.5) Applicant desires credit re- evaluation (2.3.4.7) Twelve (12) months since last evaluation (2.3.4.7) No No further action Yes Applicant requests credit re- evaluation (2.3.4.7) Receives request for credit re- evaluation (2.3.4.7) Request Event- Driven Reconsideration (2.3.4.6) 3 Adverse Material Change (2.3.4.4)

4. Is determination acceptable ( 2.3.4.1 ) ? No Yes RXQ.2.4.3Reconsideration of Determination of Initial Credit Limit – Challenge Process Flow Applicant Creditor Yes No Yes No Yes Send written report of results Receives and reviews written credit limit determination results from RXQ.2.4.1 Prepare and submit Challenge (within 30 Days) (2.3.4.1) Receives Applicants Challenge (2.3.4.1) Received <= within 30 days (2.3.4.1) ? Provides rationale for Applicant review (within 5 Business Days) ( 2.3.4.2) Applicant and Creditor review initial determination and supporting data (2.3.4.2.1) Material errors? in the determination (2.3.4.2.2) Maximum Duration = 15 Business Days ( 2.3.4.2) Receives and reviews new written results (2.3.4.2.3 & 2.3.4.2.4) Is Determination Acceptable? (2.3.4.3) I s Creditor subject to ARAs dispute resolution Process (2.3.4.3) (1) Sends notice denying Challenge (2.3.4.1.1) Note: Individual Model Business Practice numbers cited only when they specify time frames (1)ARA = Applicable Regulatory Authority No Evaluation Complete No Further Action Appeal Elevate Challenge to Applicable Regulatory Authority ARA (2.3.4.3) Receives notice denying Challenge (2.3.4.1.1) Perform credit limit re-evaluation (within 10 Business Days of receipt of corrected information) (2.3.4.2.2) Prepare and send written report of result (within 5 Business Days) (2.3.4.2.3 & 2.3.4.2.4) Initiate ARAs dispute resolution process (2.3.4.3) No 4

5. RXQ.2.4.4Disqualification/Remedies – Process Flow Applicant Creditor Yes Start (R)isk vs (S)ecurity? Send request for addl security Applicant request received Done Receives (lower) security arrangement in place R=S Stop Ask to reduce security? R< S Request addl security? Stop No Request new (lower) security arrangement Creditor request received Action taken Shortfall remedied within time limit? 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 Establish new (lower) security arrangement Requests made via overnight, fax, or e-mail Reduce risk exposure Provide addl security None Stop No Yes No Yes Delete Slide 5

6. RXQ.2.4.4Disqualification/Remedies – Process Flow Applicant Creditor Yes Risk exceeds security (2.3.5.1) Send request for addl security (2.3.5.1 & 2.3.5.3) Applicant request received (2.3.5.2) Done Receives (lower) security arrangement in place (2.3.5.2) Ask to reduce security (2.3.5.2) Request addl security? (2.3.5.1) No further action No Request new (lower) security arrangement (2.3.5.2) Addl security provided (2.3.5.4) Shortfall remedied within time limit?(2.3.5.4) Creditor takes action to reduce risk (2.3.5.4) Establish new (lower) security arrangement (2.3.5.2) No further action No Yes No Yes Risk equals security (2.3.5.1) Yes No further action No Risk less than Security (2.3.5.2) Yes Risk exposure reduced (2.3.5.5) No Yes No further action No Creditor request Received (2.3.5.1 & 2.3.5.3 6