A person is guilty of criminal use of a public benefit card in the second degree when he or she knowingly:

1. 1. Loans money or otherwise provides property or services on credit, and accepts a public benefit card as collateral or security for the repayment of such loan or for the provision of such property or services;
2. 2. Obtains a public benefit card in exchange for a benefit; or
3. 3. Transfers or delivers a public benefit card to another (a) in exchange for money or a controlled substance as defined in subdivision five of section 220.00, or (b) for the purpose of committing an unlawful act. Criminal use of a public benefit card in the second degree is a class A misdemeanor.