1504: LAWS OF MARYLAND. [CH. 851

irregular instalments, to have the schedule of unpaid instal-
ments (including that in default) revised to conform in both
amounts and intervals to the average of all preceding instal-
ments and intervals.

(d) any provision for repossession of the goods or for the
acceleration of the time when any part or all of the time
balance becomes payable, if the condition of such repossession
or acceleration is in substance that the seller or holder deems
himself to be insecure; or

(e) any provision by which the buyer waives or purports to
waive any tort claim or which gives the seller any right to
enter unlawfully upon any premises; or

(f) any provision whereby any person acting on behalf of
a seller or holder in connection with the formation or execu-
tion of an instalment agreement is treated as or deemed to
be the agent of the buyer; or

(g) any assignment, or order for payment, of any salary,,
wages, commission, or other compensation for services, or any
part thereof, earned or to be earned.

114. Insurance, (a) Where a seller or sales finance com-
pany undertakes to sell, purchase, or supply insurance on the
goods at the buyer's expense, the amount charged any buyer
for such insurance shall not exceed the premium actually pay-
able by the seller or sales finance company and in no event
more than the rate charged for similar insurance coverage by
those companies whose rates are promulgated by any na-
tionally recognized organization of underwriters.

(b) Within 25 days after the delivery of the goods under
any instalment agreement, if any charge was thereby made to
the buyer for insurance, the seller or sales finance company
which was party to such instrument shall mail or cause to be
mailed to the buyer at his address as shown on such instru-
ment either a copy of each insurance policy, or an owner's
certificate representing such policy clearly setting forth the
amount of the premium, the kind or kinds of insurance and
the scope of the coverage and all of the terms, exceptions, limi-
tations, restrictions and conditions of the contract or con-
tracts of insurance. If the seller or sales finance company
which was a party to such instrument assigns it without
having complied with the requirements of this sub-section (b),
the assignee shall in like manner mail such copy or certificate
to the buyer within the same period or within 5 days after such
assignment, whichever is later. P

(c) Any cancellation, surrender, or other refunds, and all
dividends, received under such policies by the seller or any
holder of the agreement shall forthwith be remitted to the