discussed Cited "see" Thomas W. Gresham v. Lumbermen's Mutual Casualty Company See Wells v. Chevy Chase Bank, FSB, 377 Md. 197 , 832 A.2d 812, 831 (2003) (“Maryland law recognizes that parties may agree to define their rights and obligations by reference to documents or rules external to the contract.”), cert. denied, 541 U.S. 983 , 124 S.Ct. 1875 , 158 L.Ed.2d 485 (2004).