ART. 23] FRATERNAL BENEFICIARY ASSOCIATIONS. 237

provided, that if after the issuance of the original certificate the member
shall become dependent upon an incorporated charitable institution, he
shall have the privilege, with the consent of the association to make
such institution his beneficiary. Within the above restrictions each
member shall have the right to designate his beneficiary and, from time
to time, have the same changed in accordance with the laws, rules or
regulations of the association, and no beneficiary shall have or obtain
any vested interest in the said benefit until the same has become due and
payable upon the death of the said member; provided, that any associa-
tion may, by its laws, limit the scope of beneficiaries within the above
classes.

See notes to this section (as it stood in 1911) in volume 1 of the Anno-
tated Code.

1912, ch. 824, sec. 7A.

235. (Qualifications for Membership.} Any. association may admit
to beneficial membership any person not less than sixteen and not more
than sixty years of age, who has been examined by a legally qualified
physician and whose examination has been supervised and approved in
accordance with the laws of the association; provided, that any bene-
ficiary member of such association who shall apply for a certificate pro-
viding for disability benefits need not be required to pass an additional
medical examination therefor. Nothing herein contained shall prevent
such association from accepting general or social members.

See notes to this section (as it stood in 1911) in volume 1 of the Anno-
tated Code.

1912, ch. 824, sec. 8A.

236. (Certificate.} Every certificate issued by any such association
shall specify the amount of benefit provided thereby, and the certificate,
the charter or articles of incorporation, or, if a voluntary association,
the articles of- association, the constitution and laws of the association
and the application for membership and medical examination, signed by
the applicant, and all amendments to each thereof, shall constitute the
agreement between the association and the member, and copies of the
same certified by the secretary of the association or corresponding officer,
shall be received in evidence of the terms and conditions thereof, and
any changes, additions or amendments to said charter or articles of cor-
poration or articles of association, if a voluntary association, constitu-
tion or laws duly made or enacted subsequent to the issuance of the bene-
fit certificate shall bind the member and his beneficiaries, and shall
govern and control the agreement in all respects the same as though
such, changes, additions or amendments had been made prior to and
were in force at the time of the application for membership.

See notes to this section (as it stood in 1911) in volume 1 of the Anno-
tated Code.