WM. PRESTON LANE, JR., GOVERNOR. 1241

a hearing held upon not less than ten days' written notice to
the appellant and to such rating organization or insurer, may
affirm or reverse such action.

10. ADVISORY ORGANIZATIONS.

(a) Every group, association or other organization of in-
surers, whether located within or outside this State, which
assists insurers which make their own filings or rating organ-
izations in rate making, by the collection and furnishing of
loss or expense statistics, or by the submission of recommenda-
tions, but which does not make filings under this Act, shall
be known as an advisory organization.

(b) Every advisory organization shall file with the commis-
sioner (1) a copy of its constitution, its articles of agreement
or association or its certificate of incorporation and of its.
by-laws, rules and regulations governing its activities, (2) a
list of its members, (3) the name and address of a resident
of this State upon whom notices or orders of the commis-
sioner or process issued at his direction may be served, and
(4) an agreement that the commissioner may examine such
advisory organization in accordance with the provisions of
Sub-section 12 of this Act.

(c) If, after a hearing, the commissioner finds that the fur-
nishing of such information or assistance involves any act or
practice which is unfair or unreasonable or otherwise incon-
sistent with the provisions of this Act, he may issue a written
order specifying in what respects such act or practice is un-
fair or unreasonable or otherwise inconsistent with the pro-
visions of this Act, and requiring the discontinuance of such
act or practice.

(d) No insurer which makes its own filings nor any rating
organization shall support its filings by statistics or adopt
rate making recommendations, furnished to it by an advisory
organization which has not complied with this sub-section or
with an order of the commissioner involving such statistics
or recommendations issued under paragraph (c) of this sub-
section. If the commissioner finds such insurer or rating
organization to be in violation of this paragraph he may
issue an order requiring the discontinuance of such violation.

11. JOINT UNDERWRITING OR JOINT REINSURANCE.

(a) Every group, association or other organization of in-
surers which engages in joint underwriting or joint reinsur-
ance, shall be subject to regulation with respect thereto as
herein provided, subject, however, with respect to joint under-