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