(a) "Loan" includes:
(i) 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;
(ii) The creation of debt by a credit to an account with the lender upon which the debtor is entitled to draw immediately;
(iii) The creation of debt pursuant to a lender credit card or similar arrangement; and (iv) The forbearance of debt arising from a loan.