Final answer:
The next step in the personal selling process is to make the sales presentation.
Step-by-step explanation:
The next step in the personal selling process after Rick has reviewed a prospect's account and credit history, identified product needs, and gathered the appropriate literature is to make the actual sales presentation.
This step involves presenting the product or service to the prospect, highlighting its features and benefits, and addressing any questions or concerns the prospect may have.
Rick will need to effectively communicate the value proposition of the product and persuade the prospect to make a purchase.