1506 LAWS OF MARYLAND. [CH. 851

(90%) of all payments made by the buyer under the agree-
ment, including any down-payment.

(b) Where, however, under an instalment sale agreement, a
down-payment is made at the time of its execution and the
buyer thereby becomes entitled to delivery of the goods before
making further payments, then, if the buyer refuses to accept
delivery of the goods in accordance with the agreement, all or
part of the down-payment may be forfeited to the extent pro-
vided in the agreement.

117. Refund of Recording and Filing Fees. If the holder
does not actually pay out to a public official the sums charged
the buyer for filing and recording instruments, the buyer shall
receive credit for the full amount charged him for this pur-
poise, or for any balance thereof not so applied, which amount
shall be credited against the last instalment or, if greater
than such instalment, against the last instalments payable
by him.

118. Payments; Receipts-, (a) When any payment is made
on account of any instalment agreement, the person receiving
such payment shall, upon request or without request if the
payment is made in cash, give the buyer a complete written
receipt therefor. If the buyer specifies that the payment is
made on one of several obligations the receipt shall so state;
but this provision does not affect the provisions of Section
119(b).

(b) Unless written notice has been given to the buyer of
actual or intended assignment of an instalment agreement,
the buyer may pay or tender any amount due thereunder or
give any notice required or permitted by the agreement or this
sub-title, to the last known holder of such agreement and such
payment, tender or notice shall be binding upon any subsequent
holder or assignee, as fully as if made to him.

119. Add-on Contracts, (a) Whenever an instalment sale
agreement by its terms permits the inclusion of additional
goods purchased after the original agreement, and such goods
are so purchased and the amount due on the new purchase is
combined with an unpaid balance oil any prior purchase as to
permit the seller to retain title to all goods under the com-
bined agreement, the seller shall, at the time of the additional
purchase, deliver to the buyer and attach to the original agree-
ment

(1) a statement containing all the information with respect
to the additional purchase required by Section 112 to be in-
cluded in an instalment sale agreement, and