HERBERT R. O'CONOR, GOVERNOR. 587

with the Insurance Commissioner and approved by him. No
application form shall be used with, and no rider and no en-
dorsement, except as stated in Sub-section (2), shall be at-
tached to or printed or stamped upon such policy or contract
unless the form of such application, rider or endorsement has
been filed with the Insurance Commissioner and approved by
him. No individual certificate shall be used in connection with
any such group or blanket insurance policy or group annuity
contract unless the form thereof has been filed with the Insur-
ance Commissioner and approved by him. The Insurance Com-
missioner shall,, within forty-five days after the filing of any
such form, notify the insurer filing the same of his approval or
his disapproval thereof, provided, that if the Insurance Com-
missioner shall not approve or disapprove any form so filed
within the said forty-five day period, the company filing such
form may, after the expiration of the said forty-five day period,
use it in this State.

(2) The provisions of this section shall not apply to any
special rider or endorsement on any such policy, except a policy
of accident and health insurance, which relates only to the
manner of distribution of benefits or to the reservation of
rights and benefits under such policy, and which is used at
the request of the individual policyholder, contract holder or
certificate holder.

(3) The Insurance Commissioner may disapprove any such
policy or contract, application, rider, endorsement or certifi-
cate, if he finds that the same contains any provision, or has
any title, heading, backing or other indication of the contents
of any or all of its provisions which is likely to mislead the
policyholder, contract holder or certificate holder.

SEC. 2. And be it further enacted, That this Act shall take
effect June 1, 1945.

, Approved April 5, 1945.

CHAPTER 550.
(House Bill 14)

AN ACT to add a new section to Article 48A of the Anno-
tated Code of Maryland (1939 Edition), title "Insurance",
sub-title "Mutual Insurance Companies", said new section
to follow immediately after Section 148 and to be known
as Section 148A, requiring license and bond from promoters
of mutual insurance companies in process of organization.