There's a max of 8 exemptions, a & b are of a 'not less than two ... [from 3 specific sources]' nature. That leaves 4 exemptions that do not have to meet the a / b criteria.
" She is an amateur to men's golf. She has no handicap.
Irrelevant.
"How does she "qualify?""
By the book, laddie, by the book.
As an aside, for those wondering why Hank K ain't playing, the exemptions aren't designed to give a Tour member who isn't quite cutting the mustard a chance at a tournament. If they were, they'd allocate more than 25% of the max exemptions for such players.