means a credit agreement entered into by a consumer to finance costs arising from or associated with—
| (a) | a death, illness or medical condition; |
| (b) | unexpected loss or interruption of income; or |
| (c) | catastrophic loss of or damage to home or property due to fire, theft, or natural disaster, |
affecting the consumer, a person who is dependent upon the consumer or a person for whom the consumer is financially responsible;