A real estate broker shall deposit all trust money in a financial institution that is located in the State of Maryland and whose deposits are insured bythe Federal Deposit Insurance Corporationthe Federal Savings and Loan Insurance Corporation or the National Credit Union Administrationthe State of Maryland Deposit Insurance Fund Corporation or the Credit Union Insurance Corporationall of the aboveA licensee who participates in a residential real estate transaction as a seller’s agent, buyer’s agent, or as a cooperating agent shall disclose in writing that the licensee represents the seller or lessor or the buyer or lessee. The disclosure shall occur not later than the ____________ scheduled face-to-face contact with the seller or lessor or the buyer or lessee.firstlastsecondthird“Commercial real estate” means real property improved by _____ or more single-family units.2357The Commission shall annually publish in the Maryland Register and make available both on request and on the Internet a list of states with which the Commission has signed agreements to offer _______________ licenses.reciprocalcooperatingsupplementarylike and kind“Intra-company agent” means a licensed associate real estate broker or licensed real estate salesperson who has been designated by the real estate ________________, who the associate real estate broker or licensed real estate salesperson is affiliated with, to act as a dual agent on behalf of a seller or lessor or buyer or lessee in the purchase, sale, or lease of real estate that is listed with the real estate _________________.salespersonassociate brokerbrokerreal estate firmEach real estate broker shall maintain a current and complete registry of all residential properties that the broker lists for sale in Baltimore City and Montgomery County. The real estate broker shall break down the properties listed in the registry into _______________________ that are established by the Maryland Real Estate Commission.price categoriesracial demographic of seller(s)sex of seller(s)religious affiliation of seller(s)The Maryland real estate standard exam fee is ______. The examination fee is paid directly to the exam vendor, PSI.$35.00$52.00$61.00$75.00“Cooperating agent” means a licensee who is not affiliated with or is not acting as the ________ real estate broker for a property, and assists a prospective buyer or lessee as a subagent of the ________ real estate broker, in the acquisition of real estate for sale or for lease.sellinglistingcoordinatingMLS listedEach licensed real estate ____________ who is a resident of Maryland shall maintain an office in Marylandassociate brokersalespersonbrokerassistantThe fee for an original Maryland salesperson license which includes a $20 Guaranty Fund payment is ____.$50.00$75.00$90.00$120.00Each claim against the Guaranty Fund shall be ________________, be made under oath, state the amount of loss claimed, state the facts on which the claim is based, and be accompanied by any documentation or other evidence that supports the claim.in writingserved in triplicatecomposed by an attorneypre-certified by the Maryland Real Estate CommissionThe bond shall be conditioned for the use and benefit of any person who, as a member of the public, might sustain _________________ loss because of any violation of this title by the licensee.financialemotionalphysicalreputationalIf the Maryland Real Estate Commission elects to give the licensee an opportunity for a hearing before suspending the license, the Maryland Real Estate Commission shall __________________ and hold the hearing.collect all evidencedetermine whether ethical requirements have been violatedgive noticedetermine guiltAfter payment of a claim by the Guaranty Fund, a licensee who the Commission finds responsible for the act or omission that gave rise to the claim shall reimburse the Guaranty Fund in full for the amount paid by the Guaranty Fund, and interest on the amount paid by the Guaranty Fund at an annual rate of at least ___, as set by the Commission.3.5%5%7%10%Either party to a real estate transaction may prevent distribution of the trust money by submitting a protest within ____ days from the date the notice was delivered or mailed by the real estate broker.10153045If a licensee does not reimburse the Guaranty Fund, the Maryland Real Estate Commission, or the State Central Collection Unit, may bring an action against the licensee for the amount that has not been reimbursed if a period of at least ___ days has passed since payment was made by the Guaranty Fund.10304560Agency relationship law applies only to the sale or lease of real property improved by one, two, three, or four single-family units, and unimproved real property zoned for residential use by the local zoning authority of the county or municipality in which the real property is located. It does not apply to a lease of ____ days or less.306090125When acting as a dual agent in a real estate transaction, a real estate broker or a designee of the real estate broker shall assign a licensed associate real estate broker or licensed real estate salesperson affiliated with the real estate broker to act as the _____________________ on behalf of the seller or lessor and another licensed associate real estate broker or licensed real estate salesperson affiliated with the real estate broker to act as the ________________________ on behalf of the buyer or lessee.buyer’s agentseller’s agentintra-company agentdual agentIf a person liable for reimbursing the Guaranty Fund receives a demand for reimbursement and fails to reimburse the Fund, the reimbursement amount and any accrued interest or cost, are a lien in favor of the State on any ______________________ of the person if the lien is recorded and indexed.bank accountsstate income tax returnsemployment incomereal propertyThe licensee alleged to be responsible for the act or omission giving rise to the claim against the Guaranty Fund must submit a written response within ___ days to the allegations set forth in the claim.10152030If the Commission revokes or suspends the license of a nonresident licensee, the Commission also shall notify _________________ the real estate commission or other licensing authority in the state where the licensee is a resident.via phonein personby mailand refund licensing fees toA summary suspension ordered by the Maryland Real Estate Commission may start immediately or at any later date, as set by the order, and shall continue until the ________________________ complies with the conditions set forth by the Maryland Real Estate Commission in its order, or the Maryland Real Estate Commission orders a different disposition after a hearing.Maryland Real Estate Commissionlicensees’ attorneylicenseeinjured client“Ministerial act” means an act that a licensee performs on behalf of a client before and after the execution of a contract of __________ or lease, assists another person to complete or fulfill a contract of __________ or lease with the client of the licensee, and does not involve discretion or the exercise of the licensee’s own judgment.salecontingencyaddendumconvenienceA person that holds a reciprocal license shall promptly notify the Commission if the person establishes a principal place of business for the provision of real estate brokerage services in the State. A person that holds a reciprocal license shall obtain a standard license under the licensing provisions of this title within ___ days after establishing a principal place of business in the State.30456090A licensee may not pay or offer to pay a commission to a(n) ______________ simply for the referral of a person as a possible party to a residential real estate transaction. A licensee may not solicit referral business from a(n) ________________ by a mass solicitation that offers to pay fees or commissions to the ___________________.appraisermortgage lenderlawyerloan officerRegardless of whom a licensee represents in a real estate transaction, the licensee has a duty to</strong> <strong>notify clients that any complaints concerning a licensee may be filed with the _______________________________.Attorney GeneralbrokerMaryland Real Estate Commissionlocal realtor board`“Agency relationship” means each relationship in which a licensee acts for or represents another person with the person’s authority in ____________________________________. “Brokerage relationship” means an agency relationship under a brokerage agreement between a client and a broker who has been engaged by the client to provide real estate brokerage services in ___________________________.a residential real estate transactionan independent contractor agreementa for sale by owner transactiona state outside of MarylandUnless requested to do so by a prospective buyer or renter, a real estate broker, an associate real estate broker, or a real estate salesperson may not fail or refuse to show any residential property that is available for sale, rent, or sublease to a prospective buyer or renter because ofthe race, color, sex, religion, or national origin of the prospective buyer or renterthe racial composition or character of the neighborhood where the property is locatedthe average amount of mortgage encumbrance in the areaA and B only“Confidential information” includes information thatthe seller or lessor will accept a price or rent less than the price or rent as set forth in the brokerage agreement or will accept terms other than those contained in the brokerage agreementthe buyer or lessee is willing to pay a price or rent higher than the price or rent the buyer or lessee offered or will accept terms other than those contained in the offer of the buyer or lesseediscloses the motivation of a buyer, lessee, seller, or lessor or the need or urgency of a seller to sell, a buyer to buy, a lessee to lease, or a lessor to lease and discloses any facts that led the seller to sell, the buyer to buy, the lessee to lease, or the lessor to lease; or relates to the negotiating strategy of a client.all of the aboveThe name of the team may not contain the terms “real estate”, “real estate brokerage”, or any other term that would lead the public to believe that the team is offering real estate brokerage services independent of the real estate broker. All advertising by the team must contain the name of the _______________ displayed in a meaningful and conspicuous way.brokerageteam leaderbranch managerreal estate brokerEach real estate contract submitted to a party by a real estate broker, an associate real estate broker, or a real estate salesperson for use in the sale of residential property used as a dwelling place for one or two single-family units shall contain language stating that, unless otherwise negotiated in the contract, or provided by local law, the cost of any recordation _____________ or any State or local transfer ______________ shall be shared equally between the buyer and seller.stampcopyingtaxdocumentAfter a public hearing, the Maryland Real Estate Commission may declare an urban area a “real estate conservation area” if the Commission finds that the racial stability of the area is threatened by the volume of real estate transactions. </strong> <strong> </strong> <strong>The Maryland Real Estate Commission may suspend, by order, any methods of advertising real estate brokerage services or <u>__________</u> of houses for the purpose of resale or rental in a real estate conservation area if the Maryland Real Estate Commission determines that there is a reasonable basis to believe that panic selling, blockbusting, or depressed real estate market values would occur without the suspension.soliciting listingssoliciting buyersoffering financingoffering free appraisalsBefore the Commission issues a real estate broker license, an associate real estate broker license, or a real estate salesperson license to any individual, the individual shall pay a fee of ____ to be credited to the Guaranty Fund.$20$25$30$50Unless otherwise specified in the brokerage agreement, Maryland licensees must present, in a timely manner, all written offers or _______________________ to and from the client, even if the real estate is subject to an existing contract of sale or lease.counteroffersnew listing agreementsrevised property disclosure formsupdated property tax assessmentsA real estate broker may not retain a(n) _________________ to provide real estate brokerage services on behalf of the real estate broker.foreign citizenlicensed individualteam leaderunlicensed individualEach real estate broker shall maintain all records of trust money in a secured area within the office of the broker. Each licensee shall keep copies of listings any other document executed or obtained by the licensee in connection with a transaction involving the provision of real estate brokerage services, including any electronic signature contained on a document. A licensee shall keep the records required by this section for __ years, starting on the date of the closing of a real estate transaction, or, if the transaction is not closed, __ years after the date of the listing.1357A claim under the Guaranty Fund shall be submitted to the Maryland Real Estate Commission within ___ years after the claimant discovers or, by the exercise of ordinary diligence, should have discovered the loss or damage.1234Maryland residential brokers and branch office managers or team leaders</strong> <strong>must complete ___ hours of continuing education during the licensing renewal cycle.10121516Not more than ___ of the interest in a business may be held directly or indirectly by associate real estate brokers, real estate salespersons, or any combination of associate brokers or salespersons.10%25%50%75%At the time of application for the renewal of a reciprocal license, the applicant shall provide proof that the applicant continues to hold __________________ in the state in which the applicant’s principal place of business is located.a surety bonda current licensea clean ethics recordmembership in the MLSA reciprocal license may not be granted if the applicant has been convicted of a(n)_______________.misdemeanorassault chargeDUIfelonyIf the Maryland Real Estate Commission orders payment by the Guaranty Fund of a claim based on an act or omission for which a licensee is responsible, the Maryland Real Estate Commission immediately and without further proceedings shall _________________ the license of the licensee.reinstatesuspendrevoke permanentlylevyThe Maryland Real Estate Commission shall establish a Real Estate Guaranty Fund and maintain the Guaranty Fund at a level of at least __________. The Real Estate Guaranty Fund is used to indemnify members of the public harmed by the actions of a licensee.$150,000$250,000$350,000$450,000The Maryland Real Estate Commission shall require a licensed real estate broker who acts as a dual agent and a licensed real estate associate broker or licensed real estate salesperson who acts as an intra-company agent in a real estate transaction to utilize a standard consent _____________________.contractaddendumformdisclaimer“Designated name” means the individual name of a licensed real estate salesperson, licensed real estate broker, or licensed associate real estate broker other than the licensed real estate salesperson’s, licensed real estate broker’s, or licensed associate real estate broker’s full legal name. “Designated name” includes a first name, nickname, or _________________ name.brokerssalespersonsassociate brokerslastThe Commission shall order payment of a claim by the Guaranty Fund if, on the hearing, the claimant proves that the claimant has a valid claim and presents evidence, satisfactory to the Commission, that the claimant is not the __________ of the licensee or the unlicensed employee alleged to be responsible for the act or omission giving rise to the claim.spousebrokerbrothersisterSubject to the limitations of Maryland Real Estate law, the Commission may issue a reciprocal license to a person holding a current license to provide real estate brokerage services issued by another _____________.statereal estate brokerassociate brokersalespersonA licensed real estate salesperson, licensed real estate broker, or licensed associate real estate broker may not advertise unless</strong> <strong>the name of the _________________ with which the licensed real estate salesperson, licensed real estate broker, or licensed associate real estate broker is affiliated is meaningfully and conspicuously included in the advertisement and is the full name of the _________________ and not a logo used by the ______________________.local realtor boardstate real estate commissionnational realtor boardbusinessUnless the owner and beneficial owner give written instructions to the contrary, a real estate broker may deposit trust money in a ________________ checking account or a _______________ savings account.uninsurednoninterest bearingout of statePay Pal“Advertise” means the use of any oral, written, or visual advertisement by a licensed real estate salesperson, licensed real estate broker, licensed associate real estate broker, or other person on behalf of a licensed real estate salesperson, licensed real estate broker, or licensed associate real estate broker. </strong> <strong> </strong> <strong>“Advertisement” means, unless the context requires otherwise, any oral, written, or _______________ media advertisement. “Advertisement” includes any correspondence, mailing, newsletter, brochure, business card, for sale or for lease sign and sign rider, promotional item, automobile signage, telephone directory listing, television announcement, radio announcement, telephone solicitation, and World Wide Web and Internet voice-overs.printedprofessionally createdforeign languagecorporate createdIf any of the following acts are performed by a nonresident real estate broker, nonresident associate real estate broker, or nonresident real estate salesperson, the act shall constitute an irrevocable consent.participating in any real estate transaction in Marylandholding another associate brokers licenseperforming a residential appraisalcompiling a prospectus on a residential propertyA real estate salesperson or associate real estate broker holding a reciprocal license may not conduct business in the State except in affiliation with a(n) ______________________ holding a standard or reciprocal license.associate real estate brokerreal estate salespersonaffiliate brokerreal estate brokerA real estate broker promptly, but not more than ___ business days after the acceptance of a contract of sale by both parties, shall deposit trust money in an account that is maintained by the real estate broker separately from the real estate broker’s own accounts and solely for trust money.35710If a claimant’s total claim arising from the conduct of one licensee does not exceed __________, the Commission may issue a proposed order to either pay the claim in whole or in part or to deny the claim.$1,000$2,500$3,500$5,000A person may recover compensation from the Guaranty Fund for an actual loss in which money or property is obtained from a person by theft, embezzlement, false pretenses, or forgery or any act that constitutes fraud or misrepresentation. The amount recovered for any claim against the Guaranty Fund may not exceed _________ for each claim.$25,000$35,000$50,000$75,000All other Maryland residential associate brokers and salespersons with a graduate degree in Law or Real Estate must complete ___ hours of continuing education during the licensing renewal cycle.7.5101215The Commission shall give the claimant and the licensee or unlicensed employee alleged to be responsible for the act or omission giving rise to the claim an opportunity to participate in the hearing before the Commission. The Commission shall give notice of the hearing tothe claimanteach licensee alleged to be responsible for the act or omission giving rise to the claimeach unlicensed employee alleged to be responsible for the act or omission giving rise to the claimall of the aboveThe brokerage agreement shall account for all ___________________ in the licensee’s possession in accordance with Maryland law.escrowed fundscommission moneytrust moneyinterest bearing money“Subagent” includes a cooperating agent who acts on behalf of a client of another _________________.clientbrokersalespersonattorneyA nonresident real estate broker may engage in a transaction with respect to commercial real estate located in this State and receive compensation provided the nonresident real estate broker enters into a(n) ___________agreement with a licensed real estate broker in Maryland.oralopen endedaddendum freewrittenA licensee shall display to the Maryland Real Estate Commission on demand all records, books, and accounts of any _______________________________ held in trust.commissionsclient informationindependent contractor agreementsmoneyAny person aggrieved by a final decision of the Maryland Real Estate Commission in a contested case may take an appeal, but a decision of the Commission is not stayed pending review. The licensee must post a bond in the amount of $ ________ in order to lift the stay.10,00025,00050,000100,000If, at the time a payment is due, the money in the Guaranty Fund is insufficient to satisfy fully the order for payment, the Commission shall pay the claimant interest calculated on that balance at an annual rate of ____.3.5%5%7%10%The Maryland Real Estate Commission may order payment by the Guaranty Fund only for the actual ___________________ suffered by the claimant as a result of the claim proven by the claimant.emotional duressphysical harmmonetary lossnone of the aboveEach real estate contract submitted to a party by a real estate broker, an associate real estate broker, or a real estate salesperson for use in the sale of a single-family dwelling shall contain, in bold-faced type, a statement that the buyer has the right to select the buyer’s owntitle insurance company and title lawyersettlement companyescrow company and mortgage lenderall of the above“Dual agent” means a licensed real estate broker, licensed associate real estate broker, or licensed real estate salesperson who acts as an agent for both the seller and the _______ or the lessor and the lessee in the same real estate transaction.buyerlisting agentbrokerreal estate firmA Maryland licensed real estate broker must designate a manager for each branch office of the broker. The manager must bea licensed associate real estate brokera licensed real estate salesperson who has at least 3 years’ experience providing real estate brokerage servicesa licensed real estate salesperson who has completed successfully a course in real estate approved by the Commission for real estate brokers and has passed the real estate broker’s examinationall of the aboveA Maryland real estate broker shall display a sign at each office and branch office that the real estate broker maintains for the provision of real estate brokerage services. The real estate broker shall include on the sign the words “real estate” or, where authorized by the respective trade associations, “_________” or “realtist”.appraiserloan officerproperty tax assessorrealtorA licensed real estate broker must obtain a branch office certificate before the broker may maintain a branch office in Maryland. The applicant must pay to the Maryland Real Estate Commission an application fee of ____.$5.00$15.00$35.00$50.00The brokerage agreement shall state the amount of compensation to be paid to the broker and whether the broker is authorized to receive the compensation from a person other than the _____________________.salespersonclientassociate brokerstate of MarylandA real estate broker shall maintain trust money in an account until the real estate broker receives proper _____________ instructions from the owner and beneficial owner directing withdrawal or other disposition of the trust money, once the real estate transaction is completed.writtenoralcertifieddirectionalRegardless of whom a licensee represents in a real estate transaction, the licensee has a duty to treat each party fairly, promptly present each ___________________________ and counteroffer, respond truthfully to each question, disclose all material facts that are known or should be known relating to a property, offer each property without discrimination and advise that a licensee is qualified to advise only on real estate matters and that legal or tax advice should be obtained from a licensed attorney or accountant.listing agreementagency disclosureproperty inspection reportwritten offerA real estate broker may invest trust money as the owner and beneficial owner of the trust money, and the real estate broker jointly instruct in __________ form.writtenoralcertifieddirectionalIf a real estate broker changes the address of the principal office or a branch office of the broker and fails to submit the required notice, the license of the broker shall be _______________ automatically until the broker submits the required notice.suspendedrevokedrenewedinvalidatedA real estate broker shall provide immediate notice of a discontinuance of the broker’s errors and ___________________ insurance to those associate real estate brokers and real estate salespersons who were covered under the broker’s policy.problemsomissionsfinancialmalfeasanceUnless otherwise specified in the brokerage agreement, a licensee is not required to seek additional __________________________ real estate while the real estate is subject to an existing contract of sale or lease.price reductions forprice increases foroffers to purchase or leasecounteroffers to purchase forThe Commission shall issue a reciprocal license to an applicant licensed in another state to provide real estate brokerage services if the licensing body for the other state submits a certified statement indicating that the applicant holds a current license in the ______________.licensing poolother stateMaryland Real Estate Commission recordslocal realtor board recordsIf one of the purposes of the any solicitation or attempted solicitation is to change the racial composition of a neighborhood, a person may not solicit or attempt to solicit the listing of residential properties for sale or lease byin person door-to-door solicitationtelephone solicitationmass distribution of circularsall of the aboveAs a dual agent the real estate broker does not owe undivided loyalty to either the seller or the _______.buyerlisting agentselling agentlessor“Commercial real estate” does not include property zoned for agricultural use, or single-family units, including a __________________ or co-op unit, for sale or for lease, or otherwise conveyed or to be conveyed on a single basis.condominiummobile hometime share12 month leaseholdRather than summarily order a suspension of a license under this section, the Maryland Real Estate Commission may elect not to suspend the license until after the licensee is given an opportunity ______________________.to submit a written explanationfor a hearingto produce all relevant contractsto conclude all pending businessA licensed real estate salesperson, licensed real estate broker, or licensed associate real estate broker may not advertise unless the name or designated name of the licensee appears on the license certificate and ______________________ issued by the Commission, is meaningfully and conspicuously included in the advertisement.pocket cardoffice employee rosterlocal realtor board recordsbirth certificate“Team” means ___ or more licensed associate real estate brokers or licensed real estate salespersons, or any combination of licensed associate real estate brokers or licensed real estate salespersons, who work together on a regular basis to provide real estate brokerage services, represent themselves to the public as being part of one entity, and designate themselves by a collective name such as team or group.1234In any residential real estate transaction involving a buyer’s agent, it shall be the obligation of the _______________________ to make the written disclosure to the seller or lessor or the agent of the seller or lessor as required under Maryland law.brokerassociate brokerbuyer’s agentseller’s agentA person may not bring an action or recover on an action for ________________, for providing real estate brokerage services in a court in Maryland, unless the person was authorized to provide real estate brokerage services at the time of offering to provide and providing real estate brokerage services.recognitioncompensationlisting rightsdual agency statusAn associate real estate broker or a real estate salesperson who obtains trust money while providing real estate brokerage services promptly shall submit the trust money to the _________________ on whose behalf the associate real estate broker or the real estate salesperson provided the real estate brokerage services.clientcustomerattorneyreal estate broker“Beneficial owner” means a person, other than the owner of the trust money, for whose benefit a real estate broker or, on behalf of a real estate broker, an associate real estate broker or a real estate salesperson is entrusted to hold _______________________.escrowed fundstrust moneylicensees commissionsproperty tax depositsA licensee does not breach any duty or obligation to a selling client by showing a __________ other available properties.buyercustomersalespersonbrokerWhenever the Commission revokes or suspends the license of a licensee and a stay is not ordered by the Commission or the court, the Commission shall mail notice of the suspension or revocationto the licenseeto each real estate broker with whom the licensee is affiliatedto the Maryland Association of Realtors and to the local board of realtors having jurisdiction over the geographic area where the licensee maintained an officeall of the aboveA brokerage relationship commences at the time that a client enters into a brokerage agreement and shall continue until the completion of performance in accordance with the brokerage agreement, or any date of _________________________ as agreed on by the parties in the brokerage agreement, or in any amendments to the brokerage agreement.performancerevisionexpirationcommencementEach team shall designate a team leader who shall be a licensed associate real estate broker, or a licensed real estate salesperson who has at least ___ years of experience in providing real estate brokerage services.1357A nonresident applicant for a real estate license shall submit to the ____________________ an irrevocable consent. The consent required shall specify that service of process on the executive director of the _____________________ shall bind the applicant in any action, suit, or proceeding brought against the applicant.Maryland Attorney GeneralMaryland Secretary of StateMaryland State Realtor BoardMaryland Real Estate CommissionThe Commission may summarily order a license suspension only if the Commission gives the licenseewritten notice of the suspension and the finding on which the suspension is basedan opportunity to offer a written explanationa hearing in civil courta hearing at the office of the Attorney General“Trust money” means a deposit, payment, or other money that a person entrusts to a real estate broker or, on behalf of a real estate broker, to an associate real estate broker or a real estate salesperson to hold for a purpose that relates to ______________________ involving real estate in the State.property tax paymentsa real estate transactionzoning variancesfinancing chargesAn individual licensed by Maryland may divide a fee that is earned on a real estate transaction in Maryland with an individual licensed to provide real estate brokerage services _______________, if the other state allows a fee that is earned on a real estate transaction in that state, to be divided with an individual licensed by Maryland.in another statewith another salespersonwith another associate real estate brokerwith an attorneyA licensee acting as a presumed buyer’s agent shall __________________________ that fact to the seller or lessor, or the licensee acting as the agent of the seller or lessor, at their first contact.disclose in writingorally disclosesubmit an agency disclosure form to disclosebecome an intra-company agent and discloseMaryland salespersons and associate brokers must complete ___ hours of continuing education during the licensing renewal cycle.10121516If a person tenders a check to the Maryland Real Estate Commission, in payment of a fee, and the check is dishonored, the person shall pay to the Maryland Real Estate Commission an additional fee for cost of collection of ____ for each dishonored check.$15.00$25.00$35.00$50.00The intra-company agent’s may not disclose information that a seller or buyer in a real estate transaction requests to _____________________________ as long as no specific Maryland disclosure laws are broken.remain confidentialremain publichave hidden to avoid taxesbe evaluated by an attorneyThe Maryland Brokers\' and Salespersons\' examinations each consist of two parts, a national portion and a state portion. Candidates must pass each portion of the examination with a grade of at least _____.70%75%80%85% This iframe contains the logic required to handle Ajax powered Gravity Forms.