HERBERT R. O'CONOR, GOVERNOR. 1449

1. Charge, contract for or receive, interest, in advance at
a rate not to exceed 6% per year, or one-half per cent
(1/2%) per month for the number of months contracted for,
of the original principal amount of the loan or advance; serv-
ice charges in advance, for services rendered or to be rendered,
and expenses incurred or to be incurred, of four dollars ($4. 00)
or one twenty-fifth (1/26) of the original principal amount
of the loan or advance, whichever is greater, on any loan or
advance not in excess in original principal amount of Five
Hundred Dollars ($500. 00): Twenty Dollars ($20. 00) or one-
fiftieth (1/50) of the original principal amount of any loan
or advance whichever is greater, the original principal amount
of which is in excess of Five Hundred Dollars ($500. 00).

2. Require repayment of contracts in equal or substantially
equal monthly or other equal or substantially equal periodic
installments.

3. Collect from the borrower a delinquent charge of Five
Cents (5) for each default continuing for five (5) or more
days in the payment of One Dollar ($1. 00) or a fraction thereof
at the time any periodical installment is made provided,
however, that such delinquent charge shall not be imposed
more than once for the same default.

4. Collect from the borrower, in addition to the foregoing,
the premiums actually paid for insuring real or personal prop-
erty securing a loan or advance; or collect for the premiums
actually paid for insuring the life of the party or parties obli-
gated on a loan or advance, unsecured by real or personal
property in an amount not to exceed the gross amount of the
contract; provided that at no time shall contracts of life in-
surance be outstanding for more than the original amount of
the contract; provided further that any such insurance herein-
above described is obtained from an insurance company au-
thorized by the State Insurance Department of Maryland to
conduct business in this State at rates which do not exceed
those lawfully or acceptably filed by such insurance companies
with the Insurance Department of Maryland; and is in an
amount not to exceed the reasonable value of the real or per-
sonal property insured; and is of the type of coverage which
bears a reasonable relation to the existing hazard or risk of loss.

5. Collect from the borrower the actual fees paid a public
official or agency of the State for recording and satisfying a
judgment, mortgage, encumbrance or lien on any real or per-
sonal property securing a loan or advance and the actual title
insurance or reasonable attorney fees paid for searching and
insuring the title to real property securing a loan or advance.