(1) the creation of debt by the lender’s payment of or agreement to pay money to the debtor or to a third party for the account of the debtor;

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(2) the creation of debt by a credit to an account with the lender upon which the debtor is entitled to draw immediately;

(3) the creation of debt pursuant to a lender credit card or similar arrangement; and

(4) the forbearance of debt arising from a loan.