changes in the conduct of such offices and institutions and in their
method of keeping the books and accounts and with respect to the
adoption of uniform systems of accounting and as to changes of the
forms of reports made by such officers to the Comptroller.

BANK COMMISSIONER.
Union Trust Building, Baltimore.

(Term Expires 1927.)

Name. Postoffice.

Bank Commissioner:
George W. Page.............................................................................................Baltimore

Deputy Bank Commissioner:
John D. Hospelhorn..............,:........................................................................Baltimore

Senior Examiner:
William J. Gerbig.............................................................................Baltimore

Senior Examiner:
William J. Barrett, Jr............................................................................Baltimore

Senior Examiner:
Arthur C. Merriam, Jr..............- ..........'-............... -................... -.............. Baltimore

Senior Examiner:
Thomas H. Sherman....................................:..............................................Baltimore

Senior Examiner:
Charles L. Hobbs...........................................................................................Baltimore

Junior Examiner:
Joseph M. Harvey....................................................................................Baltimore

Junior Examiner; '
Schell W. Mitzel.................................................................................Baltimore

Junior Examiner:
William E. Lutman..................... _....................................: :....................Baltimore

Senior Stenographer:
Helene M. Wittman................................................................................Baltimore

The Governor appoints one until the first Monday in May, 1924, and
thereafter for a term of three years from the first Monday in May. Ch.
29,1922.

The Bank Commissioner under the law has general supervision over
all banking institutions in the State (other than National Banks). He
is required to visit and examine, either in person or by deputy, each
institution at least twice a year, and at such other times as he may
deem expedient; and at any time upon the request of the directors of
the institution. Whenever the capital stock of an institution is re-

duced by impairment, and such impairment is not made good as pre-

scribed by the law, or whenever it is found that an institution is being
conducted in an unsafe manner, the Bank Commissioner may take pos-
session, as provided by law, and retain possession until it resumes

business or is finally liquidated.

In case of the failure of such an institution the Bank Commissioner
acts as receiver, and liquidates its assets and winds up its affairs under
the jurisdiction of the Court.