For example, when a staff member requests a loan from a creditor, that provider should check with the plan sponsor to see if the employee has outstanding loans from other providers that may lead them to exceed the IRS credit limit. The rules for the exchange of information apply in addition to credits for withdrawals from difficult cases and when a participant interrupts employment. Segal Blinn says retiring staff, especially in the field of education, will then be rehired. In case of distribution, sponsors and sellers of plans want to make sure that they do not distribute money to someone who no longer has a distributable event due to a separation of employment. With respect to current providers, Segal Blinn found that the IRS had submitted a draft model language for information exchange agreements under the 2007-71 revenue proceeding. .