Which of the following involves a creditor beneficiary relationship?

Question $17$ options:

A contract where the insured names a bank with which he has a loan as the beneficiary of a life insurance policy

A contract between an employer and a union representing the employees, which contract is made for the benefit of the employees

A contract between the owner of a building and the contractor stating that the contractor will pay his employees at a stated rate

A contract between a governmental unit and business for services to be rendered to area citizens