This subtitle does not apply to a transaction if: The transaction is made: Pursuant to prior negotiations; and In the course of a visit by the buyer to a retail business establishment; and The retail business establishment has a fixed permanent location where, on a continuing basis: The consumer goods are exhibited; or The consumer services are offered for sale; The consumer may rescind the transaction under the provisions of the federal Consumer Credit Protection Act or any regulation adopted under the Act; The buyer has initiated the contact; The goods or services are needed to meet a bona fide immediate personal emergency of the buyer, including the addition of components necessary for the renovation or construction of residential property to improve the accessibility of the residential property for individuals who are mobility impaired or otherwise disabled; The buyer furnishes to the seller a separate, personal statement that: Is dated; Is signed by the buyer; Is in the buyer’s handwriting; Describes the situation that requires immediate remedy; and Expressly acknowledges and waives the right to cancel the sale: For a contract other than a home improvement contract, within 3 business days; For a home improvement contract in which the buyer is under 65 years old, 5 business days; or For a home improvement contract in which the buyer is at least 65 years old, 7 business days; and The seller in good faith makes a substantial beginning of the performance of the contract; The transaction is: Conducted and consummated entirely by mail, telephone, or electronic communications; and Made without any other contact between the buyer and the seller or the seller’s representative before delivery of the consumer goods or performance of the consumer services; The transaction is the result of a written change order; The change order: Is agreed to by the buyer and the seller; and Is a part of a transaction under a contract previously signed by the buyer and the seller; and The buyer furnishes to the seller a separate, personal statement that: Is dated; Is signed by the buyer; Is in the buyer’s handwriting; Generally describes the change order; and Expressly acknowledges and waives the right to cancel the change order: For a contract other than a home improvement contract, within 3 business days; For a home improvement contract in which the buyer is under 65 years old, 5 business days; or For a home improvement contract in which the buyer is at least 65 years old, 7 business days; or The transaction pertains to: The sale or rental of real property; The sale of insurance; or The sale of securities or commodities by a broker–dealer registered with the Securities and Exchange Commission or the Division of Securities of the State.