(1) extensions of credit to government or governmental agencies or instrumentalities;

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(2) the sale of insurance by an insurer, except as otherwise provided in the chapter on insurance (Chapter 4) [Sections 37-4-101 et seq.];

(3) transactions under public utility, municipal utility or common carrier tariffs if a subdivision or agency of this State or of the United States regulates the charges for the services involved, the charges for delayed payment, and any discount allowed for early payment;

(4) transactions made pursuant to and in compliance with Chapter 39 of Title 40;.

(5) licensing or examining restricted lenders [§ 37-3-501(4)];

(6) rates and charges for advancing insurance premiums by insurance agents which shall be governed by the applicable provisions of Chapter 51 of Title 38 [Sections 38-51-10 et seq.]; or insurance premium service companies which shall be governed by the applicable provisions of Chapter 27 of Title 38 [Sections 38-27-10 et seq.];

(7) rates and charges on restricted loans [§ 37-3-501(3)]; which shall be subject to the applicable provisions of Title 34;

(8) loans, sales, or leases made primarily for agricultural purposes; except as otherwise provided in Chapter 10 [Sections 37-10-101 et seq.] of this title;

(9) loans to or on behalf of students pursuant to a government supported educational loan program;

(10) federally chartered credit unions;

(11) transactions in securities or commodities accounts with broker- dealers registered under Article 4 of Chapter 1 of Title 35 or with the Securities and Exchange Commission.