1502 LAWS OF MARYLAND. [CH. 851

(1) The buyer or prospective buyer has an unconditional
right to cancel the agreement or prospective agreement and
to receive immediate refund of all payments and deposits
made on account of or in contemplation of the agreement;
a request for such refund shall operate to cancel the agree-
ment or prospective agreement.

(2) When any such payment or deposit is accepted by the
seller from a buyer or prospective buyer, the seller shall
immediately deliver to him a receipt therefor which clearly
states in 12-point type or larger his rights under paragraph
(1) above.

(d) Any written acknowledgment of delivery of a copy of
an instrument shall be printed in 12-point bold type or larger
and, if contained in the agreement, shall be printed immedi-
ately below the signature to the agreement and shall be inde-
pendently signed.

112. Disclosure in the Agreement, (a) Every instalment
sale agreement shall state the full names, the place of resi-
dence and post office addresses of all the parties thereto and
the date when signed by the buyer. It shall contain a clear
description of the goods subject to the instalment sale agree-
ment, which shall be sufficient to identify them readily, and
shall recite in simple tabular form the following separate
items as such and in the following order:

(1) The cash price of the goods sold.

(2) Any charges for delivery, installation, repair or other
services upon the goods, which are included in the agreement
separate from the cash price.

(3) The sum of the cash price in item (1) and the agreed
price of services in item (2), if any charge is made for
services.

(4) The amount of the buyer's down payment, whether
made in cash or represented by the agreed value of goods or
both, together with a statement of the respective amounts
credited for cash and for goods and a description of the goods,
if any, sufficient to identify them.

(5) The unpaid balance of the cash price payable by the
buyer to the seller, which is item (1) or item (3), as the case
may be, less item (4).

(6) The cost to the buyer of any insurance for the payment
of which credit is to be extended to the buyer, the amount or
extent and expiration date thereof, a concise description of the
coverage, and the party or parties to whom such insurance is
payable.

(7) The amount of official fees, if any, for which the buyer
is charged and which the seller expects will actually be paid