1210 LAWS OF MARYLAND. [Cil. 492

ensuing election, at which, all such officers shall be elected by
the supreme legislative or governing body, which election shall
be held no later than one year from the date of the issuance
of the permanent certificate.

Such articles of incorporation and duly certified copies of
the'constitution and laws, rules and regulations, and copies of
all proposed forms of benefit certificates, applications therefor
and circulars to be issued by such association, and a bond in
the sum of five thousand dollars, with sureties approved by
the insurance commissioner, conditioned upon the return of
the advance payments as provided in this section to applicants,
if the organization is not completed within one year shall be
filed with the insurance commissioner, who may require such
further information as he deems necessary, and if the pur-
poses of the association conform to the requiremsnts of this act
and all provisions of the law have been complied with, the in-
surance commissioner shall so certify, and retain and record
(or file) the articles of incorporation, and furnish the incor-
porators a preliminary certificate authorizing said association
to solicit members as hereinafter provided. Upon receipt of
said certifiate from the insurance commissioner, said associa-
tion may solicit members for the purpose of completing its or-
ganization and shall collect from each applicant the amount of
not less than one regular monthly payment in accordance with
its table of rates as provided by its constitution and laws and
shall issue to each such applicant a receipt for the amount so
collected. But no such association shall incur any liability
other than for such advanced payments, nor issue any benefit
certificate, nor pay or allow, or offer or promise to pay or
allow to any person any death or disability benefit until actual
bonafide applications for death benefit certificates have been
secured upon at least five hundred lives for at least one thous-
and dollars each, and all such applicants for death benefits
shall have been regularly examined by legally qualified prac-
ticing physicians, and certificates of such examinations have been
duly filed and approved by the chief medical examiner of such
association nor until there shall be established ten subordinate
lodges or branches into which said five hundred applicants
have been initiated, nor untij there has been submitted to the
insurance commissioner, under oath of the president and sec-
retary or corresponding officers, of such association, a list of
such applicants, giving their names, addresses, date examined,
date approved, date initiated, name and number of subordinate