792                               LAWS OF MARYLAND                         CH. 453

(3) (2) A charge, OR PREPAYMENT PENALTY, FOR A
LOAN SECURED BY A HOME OR COMBINATION OF HOME
AND BUSINESS PROPERTY, AGRICULTURAL PROPERTY
AND COMMERCIAL LOANS UNDER $5,000, only where provided
for in the original loan contract, upon prepayment of the principal
amount of the loan provided the charge shall not be more than six
(6) TWO (2) months advance interest on the aggregate amount of
all prepayments made on the loan in any twelve (12) month period;,
THAT ARE IN EXCESS OF 33⅓% OF THE AMOUNT OF THE
ORIGINAL MORTGAGE; no such charge may be imposed after the
expiration of five (5) THREE (3) years from the date the loan was

made, except that these limitations on such charges shall not

apply to (1) loans repayable over a period of eight (8) years or less,

(2) loans secured by real or leasehold property used for other than

residential purposes or secured by residential property containing

more than four (4) dwelling units, or (3) loans for other than per-

sonal, family, or household purposes.

(4) A fee or charge (3) FEES OR CHARGES collected at the
direction of a government or governmental agency not to be retained
by the lender. AND ACTUALLY PAID THERETO.

(5) (4) A service charge, where provided for by contract, on a
commercial lending transaction if money is advanced on the security
of inventory or accounts receivable, for investigation and continuing
supervision of the collateral.

(6) (5) A service charge, where provided for by contract, made
by a securities broker or a dealer in securities on a transaction if
money is advanced on the security of pledged securities and if serv-
ices are rendered in the collection of income thereon, the crediting
and disbursement thereof, and the furnishing of income tax and
other information in connection therewith.

Actual expenses collected from a borrower by a lender or its at-
torney for payment for services rendered in connection with the
preparation, closing, or disbursing of a loan, or for the payment of
property expenses, taxes, and governmental charges, or premiums
for insuring or idemnifying the lender against loss or liability on
or in connection with the loan, or for insuring any interest in the

property which is the security for the loan against loss from any

hazard, or for insuring the life or health of the borrower, shall

not be interest or be deemed usurious under any other provision
of this Article.

(6)

ACTUAL EXPENSES COLLECTED BY THE LENDER ARE
SPECIFICALLY ENUMERATED IN THIS SECTION. ALL
OTHER CHARGES, OTHER THAN THOSE ENUMERATED
BELOW, WILL BE DEEMED INTEREST:

(A)    BY ITS ATTORNEYS FOR SERVICES RENDERED IN
CONNECTION WITH THE PREPARATION, CLOSING OR DIS-
BURSING OF A LOAN.

(B)    FOR THE PAYMENT OF PROPERTY EXPENSES,
TAXES AND GOVERNMENTAL CHARGES.

2.