In this chapter, when the alleged perpetrator is a direct provider to an individual receiving services, exploitation is defined as the illegal or improper act or process of using an individual receiving services or the resources of an individual receiving services for monetary or personal benefit, profit, or gain, and excludes:(1) theft as defined in Chapter 31 of the Texas Penal Code;(2) allegations of exploitation less than $25.00; and(3) a loan, which includes money or property given to someone to use for a period of time with an understanding that it will be paid back or returned, made by an individual receiving services to a direct provider in a community provider setting.