Section 12-1102 - Effect and applicability of subtitle(a) A rental-purchase agreement that complies with this subtitle may not be deemed to be: (1) A "retail sale", as defined in § 12-601(s) of this title;(2) An "installment sale agreement", as defined in § 12-601(m) of this title; or(3) A "security interest", as defined in § 1-201(37) of this article.(b) This subtitle does not apply to:(1) A rental-purchase agreement made primarily for business, commercial, or agricultural purposes, or made with governmental agencies, instrumentalities, or organizations;(2) A rental of a safe deposit box;(3) A lease or bailment of personal property that:(i) Is incidental to the rental of real property; and(ii) Provides that the consumer has no option to purchase the rented real property; or(4) A lease of an automobile.