748 LAWS OF MARYLAND. [CH. 234

as an insurer, from the distribution of surplus and dividends to
policy holders after the first year of insurance, nor prevent
any member of an inter-insurance, or Lloyd's association, or
reciprocal association, from receiving the profit of its under-
writing. Nor shall anything herein contained prevent any
licensed broker, individual, co-partnership or corporation, from
sharing or dividing commissions earned or received by him,
them or it, with any other insurance broker or brokers, licensed
by this State, who shall have aided in respect to the insurance
for the negotiation, of which such commissions shall have been
earned or paid, nor shall it prevent the agent or solicitor of any
company from sharing or dividing commissions earned or re-
ceived by him with any other licensed agent, or solicitor, of
the same company in which such business was written or
placed, who shall have aided in respect to the insurance on
which such commissions shall have been earned or paid. Noth-
ing contained herein shall be held to prevent the coverage of
risks by temporary binders, or temporary contracts of insur-
ance, or such other memoranda as do not conflict with the laws
of this State or the foregoing provisions of this section pro-
vided that when the insurance effective thereunder remains in
force for fifteen days or more the premium applicable to the
risk insured under such temporary binders, contracts or memo-
randa is paid for the full time during which such insurance
shall have been in force by virtue of such binders, temporary
contracts or insurance or other memoranda, and any violation
of this provision shall constitute a rebate. Nothing herein
contained shall prohibit any such corporation, association, part-
nership, Lloyd's, individual underwriters, or reciprocal associa-
tion, or any officer, agent, solicitor or representative thereof or
any insurance broker, from distributing or presenting to any
person, or corporation articles intended for and used for adver-
tising media. No one shall be excused from attending; and,
when ordered to do so. from testifying or producing any books,
papers or other documents before the Insurance Commissioner,
or the Deputy Insurance Commissioner, or any court or magis-
trate, upon any investigation, proceeding or trial, for a viola-
tion of any of the provisions hereof, upon the ground, and for
the reason that the testimony or evidence, documentary or
otherwise, required of him may tend to convict him of a crime
or subject him to a penalty or forfeiture. No person shall be
prosecuted or subjected to any penalty or forfeiture for, or
on account of any transaction, matter or thing, concerning
which he may have been required so to testify or to produce