How Is a Creditor Beneficiary Relationship Usually Formed

Multiple Choice

How is a creditor beneficiary relationship usually formed?

A) a party buys a consumer good from a retail store and the retail store extends credit for the purchase
B) a party buys a good second-hand from someone who borrowed money to purchase the good, and the second-hand buyer promises to pay the remaining balance of the loan
C) a party purchases a good on credit, but the creditor requires a co-signer before the credit will be extended
D) a party purchases a good from the seller, but asks the seller to deliver it as a gift to a third person
E) a party borrows money from a bank prior to needing the funds to make the purchase