1246 LAWS OF MARYLAND. [CH. 614

children, nor shall they ha\ci any voice in the management of the
society. The total benefits payable as above provided shall in no
case exceed the following amounts at ages at next birthday at time
of death, respectively, as follows: One, fifty dollars; two. sev-
enty-five dollars; three, one hundred dollars; four, one hun-
dred fifty dollars; five, one hundred seventy-five dollars; six,
two hundred dollars; seven, two hundred fifty dollars; eight,
three hundred twenty-five dollars; nine, four hundred dollars;
ten, five hundred dollars, eleven, six hundred dollars, twelve
seven hundred dollars, thirteen, eight hundred dollars; fourteen,
nine hundred dollars; fifteen, and over, one thousand dollars.
No benefit certificate as to any child shall take effect until after
medical examination or inspection, in accordance with the by-
laws of the society, nor shall any such benefit certificate be is-
sued unless the society shall simultaneously put in force at least
five hundred such certificates, on each of which at least one as-
sessment has been paid, nor where the number of lives repre-
sented by such certificate falls below five hundred. The death
benefit contributions to be made upon such certificates shall be
based upon the "Standard Industrial Mortality Table" or the
''English Life Table Number Six", and a rate of interest not
greater than four per cent, per annum, or upon a higher stand-
ard: Provided, That contributions may be waived or returns
may be made from any surplus held in excess of reserve and
other liabilities as provided in the by-laws! And Provided, Fur-
ther, that extra contributions may be made if the reserves
hereafter provided for become impaired. Any society enter-
ing into such insurance agreements shall maintain on all such
contracts the reserve required by the standard of mortality and
interest adopted by the society for computing contributions,
and the funds representing the benefit contributions and all
accretions thereon shall be kept as separate and distinct funds,
independent of the other funds of the society, and shall not be
liable for nor used for the payment of the debts and obligations
of the society other than the benefits herein authorized: Pro-
vided, however, that when a child reaches the age of eighteen
years and fails to apply for regular membership into the So-
ciety, any benefit certificates issued to it must be surrendered
for cancellation, and any reserve upon such certificate shall be
paid to the party responsible for the payments of assessments
as a cash value.

Provided, Further, That such surrender will not reduce the
number of lives insured in the branch below five hundred, and
upon the issuance of such new certificate any reserve upon the
original certificate herein provided for shall be transferred to
the credit of the new certificate. Neither the person who or-
iginally made application for benefits on account of such child,
nor the beneficiary named in such original certificate, nor the