(1) Banks, bank and trust companies, credit unions, savings banks and private banks organized under the laws of this Commonwealth; similar banking institutions organized under the laws of the United States or of any other state which are insured by the Federal Deposit Insurance Corporation; similar credit unions organized under the laws of the United States or another state, and insured by the National Credit Union Share Insurance Fund; and savings and loan associations and building and loan associations organized under the laws of another state or of the United States; or their agents.

(2) Agents of a person licensed under this act.

(3) Agents of a Federal, State or local government agency, to the extent that such agents are disbursing government benefits.

(4) Agents that receive payments from individuals on behalf of persons that are creditors, public utilities or providers of goods or services.