ALBERT C. RITCHIE, GOVERNOR. 747

Sec. 45. REBATING AND DISCRIMINATIONS PROHIBITED
(FIRE AND MISCELLANEOUS), No corporation, association,
partnership, Lloyd's, individual underwriters, or reciprocal
associations, authorized or permitted to do any insurance busi-
ness within this State or any officer, agent, solicitor, or repre-
sentative thereof, and no insurance broker, individual, co-
partnership or corporation authorized or permitted to do busi-
ness as such in this State or any officer, agent, solicitor or
representative thereof, shall make or negotiate any contract
for insurance on property or risk located within this State, or
against liability, casualty, accident or hazard that may arise
or occur therein, or any agreement as to such contract, other
than as plainly expressed in the policy or contract of insurance
issued or to be issued thereon, nor directly or indirectly, in
any manner whatsoever, as inducement to such insurance, pay,
allow, or offer to pay or allow to the insured named in. such
policy or to any employee of such insured nor shall any such
insured or the employee of such insured, directly or indirectly
accept or knowingly receive, or agree to accept or receive in
any manner whatsoever, as inducement to such insurance, at
any time or under any conditions, before or after the insur-
ance shall have been effected, any inducement or rebate from
the premium specified in the policy or contract of insurance,
or any special favor or advantage in the dividends or other
benefit to accrue thereon, or any valuable consideration or in-
ducement whatsoever not specified in the policy or contract of
insurance, issued or to be issued, No insurance agent's,
broker's or solicitor's license shall be issued to any insured or
any employee of an insured for the purpose of evading the
provisions of this section. Nor shall any corporation, asso-
ciation, partnership, Lloyd's, individual underwriters, or re-
ciprocal associations, or any officer, agent, solicitor, or represen-
tative thereof, authorized or permitted to do an insurance
business in this State as insurer or broker, give or sell to, nor
any insured or his, her or its employee receive, hold, accept
or purchase as an inducement to insurance any of its stock,
bonds or other securities, and no such insured or his, her or its
employee, shall sell to, nor any insurer or broker or any officer,
agent, solicitor, or representative thereof, receive, hold, accept
or purchase as an inducement to insurance, any stock, bonds or
other securities of any such, or any other corporation. Nothing
herein contained shall prevent any corporation, association,
partnership, Lloyd's, individual underwriters, or reciprocal
association, lawfully doing an insurance business in this State