818 LAWS OF MARYLAND.

the Secretary, Assistant Secretary and the actuary must be
members of the Board of Directors.

154-C. At all meetings of the members of the association
each employer member shall have one vote and one additional
vote for every five hundred employees or major fraction thereof,
covered by the policy held by such employer member in the
association, provided that no such employer member shall have
more than ten votes. The number of votes of an employer mem-
ber shall be determined by the average number of employees at
work and covered by said member's policy in the association
during the last six months from a date not less than ten days
immediately prior to the date of any such meeting. Before any
such employer member shall be permitted to cast more than one
vote at any meeting of members he shall file with the Secretary
an affidavit showing the average number of employees at work
during the preceding six months covered by the employer's
policy of insurance.

If any of the employees of any such employer members shall
contribute to the funds of any such association for the purpose
of being insured against temporary disability, sickness, old age
or non-employment they shall be members of such association
and entitled to elect from among their number representatives
equal in number to the number of votes that all of the employer
members of such association are entitled to cast at any meeting
of the members of such association. Each of the representa-
tives elected by the employee members shall be entitled to one
vote at any meeting of them members of such association and
shall be eligible as directors or officers of such association.

154-D. The Association may in its by-laws and policies fix
the contingent mutual liability of the members for the payment
of losses and expenses not provided for by its cash funds; but
such contingent liability of a member shall not be less than an
amount equal to and in addition to the cash premium written in
the policy. If the Association is not possessed of cash funds,
above its unearned premium sufficient for the payment of in-
curred losses and expenses, it shall make an assessment for the
amount needed to pay such losses and expenses upon the mem-
bers liable to assessment therefor, in proportion to their several
liability. Every member shall be liable to pay and shall pay his
proportionate part of any assessment which may be laid by the
association in accordance with law and his contract, on account
losses and expenses incurred while he was a member, if he
is notified of such assessment within one year after the expira-
tion of his policy. All assessments of employer members shall