2062                                                 LAWS OF MARYLAND                         [Ch. 609

REQUESTED BY A CONSUMER AND THE SUBSEQUENT REPAIR,
ALTERATION, MODIFICATION OR SERVICING OF ANY ITEM WITHOUT
FIRST TENDERING SAID ESTIMATE;

(2)    MAKING REPAIRS,                   ALTERATIONS,
MODIFICATIONS OR SERVICING EXCEEDING      BY TWENTY-FIVE
PERCENT (25%) OR MORE THE PRICE QUOTED      IN A WRITTEN

ESTIMATE;

(3)    FAILING TO REASSEMBLE OR RESTORE WITHOUT
CHARGE AN ELECTRICAL OR MECHANICAL APPARATUS, APPLIANCE,
CHATTEL OR OTHER GOODS OR MERCHANDISE TO ITS TENDERED
CONDITION UNLESS PRIOR NOTIFICATION IS GIVEN TO THE
CONSUMER, THAT SUCH A CHARGE WOULD BE ASSESSED;

(4) FAILING TO SUPPLY TO A CONSUMER A      COPY

OF A SALES OR SERVICE CONTRACT, LEASE, PROMISSORY   NOTE,

TRUST AGREEMENT OR OTHER EVIDENCE OF INDEBTEDNESS      WHICH
THAT PERSON HAY EXECUTE;

(5)    MAKING OR ENFORCING UNCONSCIONABLE TERMS
OR PROVISIONS OF SALES CONTRACTS OR LEASES;

(6)    REPLACING PARTS OR COMPONENTS IN AN
ELECTRICAL OR MECHANICAL APPARATUS, APPLIANCE, CHATTEL OR
OTHER GOODS OR MERCHANDISE WHEN SUCH PARTS OR COMPONENTS

ARE NOT DEFECTIVE, UNLESS REQUESTED TO DO SO BY THE

CONSUMER;

(7)    STATING OR REPRESENTING THAT REPAIRS,
ALTERATIONS, MODIFICATIONS OR SERVICING HAVE BEEN
PERFORMED AND REQUESTING PAYMENT THEREFOR, WHEN THEY HAVE
NOT BEEN PERFORMED.

(D) IN APPLYING SUBSECTION (C), CONSIDERATION
SHALL BE GIVEN TO ANY OF THE FOLLOWING FACTORS:

(1)    KNOWLEDGE BY THE MERCHANT AT THE TIME
CREDIT SALES ARE CONSUMMATED THAT THERE WAS NO REASONABLE
PROBABILITY OF PAYMENT IN FULL OF THE OBLIGATION BY THE
CONSUMER.

(2)    KNOWLEDGE BY THE MERCHANT AT THE TIME   OF
THE SALE OR LEASE OF THE INABILITY OF THE CONSUMER     TO
RECEIVE SUBSTANTIAL BENEFITS FROM THE PROPERTY     OR
SERVICES SOLD OR LEASED.

(3)    GROSS DISPARITY BETWEEN THE PRICE OF THE
PROPERTY OR SERVICES SOLD OR LEASED AND THE VALUE OF THE
PROPERTY OR SERVICES MEASURED BY THE PRICE AT WHICH
SIMILAR PROPERTY OR SERVICES ABE READILY OBTAINABLE IN
TRANSACTIONS BY LIKE BUYERS OR LESSEES.

(4) THE FACT THAT THE MERCHANT CONTRACTED