Each eligible library may participate in one or more of the access services components through its regional library network and be reimbursed fully for its service to Californians who do not constitute its primary clientele. Reimbursement rates shall be equitable. The state board shall develop the reimbursement rate formulas. All of the following are access services components: (a) Interlibrary loan. Each eligible library shall be reimbursed fully to cover the handling costs of each interlibrary loan among members of the regional library networks. Participants shall provide, as well as utilize, interlibrary loan services and may not charge handling fees to other members. (b) Patron referral and onsite services. Each eligible library shall be reimbursed fully for services and resources that are provided to Californians who would otherwise be ineligible for services from that public library jurisdiction or that institution. These persons must be referred by another member of a regional library network. Information agencies that are not libraries may also participate in this component and be reimbursed if they are the only source for the information. (c) Direct loan. Each eligible library may provide access to Californians by providing direct borrowing privileges to the primary clientele of other libraries. They shall be reimbursed fully for the handling costs of all loans according to an allocation formula. Each public library jurisdiction that is a member of a regional library network shall provide direct borrowing privileges to all residents of the area served by the regional library network. (d) Electronic direct access. Each eligible library may provide access to Californians by providing electronic borrowing privileges or electronic document delivery privileges, or both, to the primary clientele of other participating libraries. They shall be reimbursed fully for the handling costs of each transaction. Members participating in the electronic direct access component shall provide and utilize electronic direct access services and may not charge handling fees for this service to other members participating in this program or to their primary clientele. (e) Document delivery. Each eligible library shall be reimbursed fully to cover the costs of document delivery resulting from an interlibrary loan transaction and electronic loan transaction as defined in this section.