(clock stops)

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

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

3. Evaluation complete Is determination acceptable? Is Creditor subject to ARA’s (1) dispute resolution process Material errors? Appeal to Applicable Regulatory Authority Send written report of results Received <= 30 days ? Reconsideration of Determination of Initial Credit Limit – Challenge Process Flow Yes Receives and reviews written credit limit determination results Is determination acceptable ? Yes No Applicant No No Yes Prepare and submit Challenge (within 30 Days) (2.3.4.1) Receives notice denying Challenge Receives and reviews new written results No Applicant and Creditor review initial determination and supporting data Yes • ARA = Applicable Regulatory • Authority Receives Applicant’s Challenge Perform credit limit reevaluation (within 10 Business Days of receipt of corrected information) Prepare and send Written report of result (within 5 Business Days) Provides rationale for Applicant review (within 5 Business Days) ( 2.3.4.2) Creditor Maximum Duration = 15 Business Days ( 2.3.4.2) Yes • Note: Individual Model • Business Practice numbers cited only when they specify time frames No Sends notice denying Challenge

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