In this section the following words have the meanings indicated. “Credit agreement” means a covenant, promise, undertaking, commitment, or other agreement by a financial institution to: Lend money; Forbear from repayment of money, goods, or things in action; Forbear from collecting or exercising any right to collect a debt; or Otherwise extend credit. “Credit agreement” includes agreeing to take or to not take certain actions by a financial institution in connection with an existing or prospective credit agreement. “Financial institution” means: A bank; A trust company; A savings bank; A savings and loan association; or An affiliate or subsidiary of a bank, trust company, savings bank, or savings and loan association. A credit agreement is not enforceable by way of action or defense unless it: Is in writing; Expresses consideration; Sets forth the relevant terms and conditions of the agreement; and Is signed by the person against whom its enforcement is sought. This section applies only to commercial transactions. This section does not apply to: Credit agreements made primarily for personal, family, or household purposes; or Credit extended by means of, or in connection with, a credit or charge card.