The provisions of this subtitle do not apply to a transaction: Made in accordance with prior negotiations in the course of a visit by the consumer to a merchant operating a retail business establishment which has a fixed permanent location and where consumer goods are displayed or offered for sale on a continuing basis; In which the person making the solicitation or the business enterprise for which the person is calling: Has made a previous sale to the consumer; or Has a preexisting business relationship with the consumer; Which is covered by the provisions of Subtitle 3 of this title; In which: The consumer may obtain a full refund for the return of undamaged and unused goods to the seller within 7 days of receipt by the consumer; and The seller will process the refund within 30 days of receipt of the returned merchandise by the consumer; In which the consumer purchases goods or services pursuant to an examination of a television, radio, or print advertisement or a sample, brochure, catalogue, or other mailing material of the merchant that contains: The name, address, and telephone number of the merchant; A description of the goods or services being sold; and Any limitations or restrictions that apply to the offer; or In which the merchant is a bona fide charitable organization as defined in § 6-101 of the Business Regulation Article. Notwithstanding subsection (a) of this section, this subtitle applies to any solicitation offering credit services where: The consumer is required to call a telephone number; The consumer is charged a separate toll fee for the call; and The person making the solicitation receives any portion of the separate telephone toll fee paid by the consumer.