ALBERT C. RITCHIE, GOVERNOR. 1205

SEC. 142. Penalties. Any attorney who shall exchange any
contracts of indemnity of the kind and character specified
under this sub-title, or any attorney, agent or any person rep-
resenting him, who shall solicit or negotiate any application
for same without the attorney first complying with the fore-
going provisions, shall be deemed guilty of a misdemeanor,
and on conviction thereof, shall be subject to a fine of not less
than one hundred dollars, or more than one thousand dollars.
For the purpose of organization and upon issuance of permit
by the insurance commissioner, power of attorney and appli-
cations may be solicited without license, but no attorney, agent
or other person shall make any contracts of indemnity until
he shall comply with all the provisions of this sub-title. In
addition to the foregoing penalties, and where not otherwise
provided, the penalty for failure or refusal to comply with
any of the terms and provisions of this sub-title upon the part
of the attorney, shall be the refusal, suspension or revocation
of the certificate of authority or license by the insurance com-
missioner and publication of his act, after due notice and op-
portunity for hearing have been given such attorney, so that he
may appear and show cause why such action should not be
taken.

SEC. 143. Fraternal Beneficiary Association Defined. Any
corporation, society, order or association, without capital stock
organized and carried on solely for the mutual benefit of its
members and their beneficiaries, and not for profit, and having
a lodge system with ritualistic form of work, and representa-
tive form of government, and which shall make provision for
the payment of benefits in accordance with section 147 hereof,
is hereby declared to be a fraternal beneficiary association.

SEC. 144. Lodge System Defined. Any association having
a supreme governing or legislative body and subordinate lodges
or branches, by whatever name known, into which members
shall be elected, initiated and admitted in accordance with its
constitution, laws, rules, regulations and prescribed ritualistic
ceremonies, which subordinate lodges or branches shall be re-
quired by the laws of such association to hold regular or stated
meetings at least once in each month, shall be deemed to be
operating on the lodge system.

SEC. 145. Representative Form of Government Defined.
Any such association shall be deemed to have a representative
form of government when it shall provide in its constitution