HARRY HUGHES, Governor                                           879

For the purposes of this subtitle, if an item of merchandise
is advertised, offered for sale, or sold with any other item at a
combined price, or is advertised, offered as a gift, or given
with the sale of any other item, all of the items are considered
to be advertised, offered for sale, or sold. [The cost to the
wholesaler and the cost to the retailer] THE COST TO THE RETAILER
OR THE COST TO THE WHOLESALER, as the case may be, of each item
is governed by § 11-401 (b) and (c), respectively, of this
subtitle.

11-8A-03.

Notwithstanding the subsequent purchase of the work of fine
art by the art dealer directly or indirectly for the art dealer's
own account, a work of fine art that is bailment property when
initially accepted by the art dealer remains bailment property
until the purchase PRICE, minus the agreed upon commission, is
paid in full to the artist.

12-106.1.

(a)  A person may not require a borrower, as a condition to
receiving a loan, to make any false or misleading statement or
characterization that a loan is a commercial loan under [§§] §
12-101(c), § 12-103(e), § 12-105, or § 12-401(i)(3) of this
subtitle if the loan is not a commercial loan.

12-303.

(b)  (2) For the purposes of this subtitle:

(ii) The amount by which the wages [exceeds]
EXCEED the consideration paid for them is considered interest or
charges on the loan from the date of the payment to the date the
wages are payable.

12-404.

(c)  A loan shall be amortized in equal or substantially
equal monthly installments without a balloon payment at maturity,
except that:

(2) A lender, including a seller who takes a mortgage
or deed of trust to secure payment of all or a portion of the
purchase price of a residence sold to a borrower, may make a loan
for the purpose of aiding the borrower in the sale of the
borrower's residence or the purchase of a new residence, and may
create a balloon payment at maturity of this loan if the balloon
payment is:

(iii) Required to be postponed one time, upon
becoming due, at the borrower's request, for a period not to
exceed 24 months, provided that the borrower continues to make
the monthly installments provided for in the original loan
agreement, and no new closing costs, processing fees or similar