Clause (iii)(III) shall not apply with respect to any person who is a creditor referred to therein if such creditor is—
(I)#
a relative of such individual if such relative resides in the same household as such individual;
(II)#
a legal guardian or legal representative of such individual;
(III)#
a facility that is licensed or certified as a care facility under the law of a State or a political subdivision of a State;
(IV)#
a person who is an administrator, owner, or employee of a facility referred to in subclause (III) if such individual resides in such facility, and the payment of benefits under this subchapter to such facility or such person is made only after good faith efforts have been made by the local servicing office of the Social Security Administration to locate an alternative representative payee to whom the payment of such benefits would serve the best interests of such individual; or
(V)#
an individual who is determined by the Commissioner of Social Security, on the basis of written findings and under procedures which the Commissioner of Social Security shall prescribe by regulation, to be acceptable to serve as a representative payee.