1862 ARTICLE 48A.

tained shall be so construed as to prevent the issuing of benefit certificates
for a term of years less than the whole of life which are payable upon
the death or disability of the member occurring within the term for which
'the benefit certificate may be issued. Such association shall, upon written
application of the member, have the power to accept a part of the periodi-
cal contributions, in cash, and charge the remainder, not exceeding one-
half of the periodical contribution, against the certificate with interest
payable or compounded annually at a rate not lower than four per cent,
per annum; provided, that this privilege shall not be granted except to
associations which have readjusted or may hereafter readjust their rates of
contributions, and to contracts affected by such readjustment.

Any association which shall show by the annual valuation hereinafter
provided for that it is accumulating and maintaining the reserve necessary
to enable it to do so, under a table of mortality not lower than the American
Experience Table with four per cent, interest, may grant to its members
extended and paidup protection or such withdrawal equities as its consti-
tution and laws may provide; provided, that such grants shall in no case
exceed in value the portion of the reserve to the credit of such members
to whom they are made.

1922, ch. 492, sec. 148.

151. Beneficiaries. The payment of death benefits shall be confined
to wife, husband, relative by blood to the fourth degree, father-in-law,
mother-in-law, son-in-law, daughter-in-law, stepfather, stepmother, step-
children, children by legal adoption, or to a person or persons dependent
upon the member; provided, that if after the issuance of the original cer-
tificate the member shall become dependent upon an incorporated char-

235. Cited but not construed in Himmel v. Eichengreen, 107 Md. 612; Supreme
Lodge v. Simering, 88 Md. 284; International Fraternal Alliance v. State, 86 Md. 552;
Barton v. International Fraternal Alliance, 85 Md. 31.

See notes to sec. 229 (this foot note)

236. This section is not in conflict with the Md. Constitution, art. 3, sec. 29 (directing
the description of the subject of an act in its title), nor with art. 3, sec. 44 (relative
to the exemption from execution of property of a debtor not exceeding five hundred
dollars). The exemption provided for by this section operates in favor of non-residents.
Himmel v. Eichengreen, 107 Md. 612; and see In re. Jones, 249 Fed. (D. Ct. Md.) 487.

The association has no power to pay a benefit to a creditor of the deceased. Dale v.
Brumbly, 96 Md. 678.

This section referred to in construing art. 23, sec 174 see notes thereto. Burdette v.
Jackson, 179 Fed. 229.

Cited but not construed in Supreme Lodge v. Simering, 88 Md. 284; International
Fraternal Alliance v. State, 86 Md. 552; Barton v. International Fraternal Alliance, 85
Md. 31.

See notes to sec. 229 (this foot note).

237. Cited but not construed in Himmel v. Eichengreen, 107 Md. 612; Supreme
Lodge v. Simering, 88 Md. 284; International Fraternal Alliance v. State, 86 Md. 552;
Barton v. International Fraternal Alliance, 85 Md. 31.

See notes to sec. 830 (thic foot note).

238. Cited but not construed in Himmel v. Eichengreen, 107 Md. 612; Supreme
Lodge v. Simering, 88 Md. 284; International Fraternal Alliance v. State, 86 Md. 552;
Barton v. International Fraternal Alliance, 85 Md. 31.

See "notes to sec. 229 (this foot-note).

239. This section does not supersede the remedies given by secs. 367 and 376 of
art. 23 of the Code of 1904 (see secs. 92 and 98 of art. 23), nor does it interfere with