WM. PRESTON LANE, JR., GOVERNOR. 1253

the resulting premiums would be excessive, inadequate or
discriminatory. Each deviation permitted to be filed shall be
effective for a period of one year from the date of such per-
mission unless terminated sooner with the approval of the
commissioner.

8—APPEAL BY MINORITY.

Any member of or subscriber to a rating organization may
appeal to the commissioner from the action or decision of
such rating organization in approving or rejecting any pro-
posed change in or addition to the filings of such rating organ-
ization and the commissioner shall, after a hearing held upon
not less than ten days' written notice to the appellant and to
such rating organization, issue an order approving the action
or decision of such rating organization or directing it to give
further consideration to such proposal, or, if such appeal is
from the action or decision of the rating organization in
rejecting a proposed addition to its filings, he may, in the
event he finds that such action or decision was unreasonable,
issue an order directing the rating organization to make an
addition to its filings, on behalf of its members and sub-
scribers, in a manner consistent with his findings, within a
reasonable time after the issuance of such order.

If such appeal is based upon the failure of the rating organ-
ization to make a filing on behalf of such member or subscriber
which is based on a system of expense provisions which differs,
in accordance with the right granted in subdivision 2, para-
graph (a) of Sub-section 3, from the system of expense pro-
visions included in a filing made by the rating organization,
the commissioner shall, if he grants the appeal, order the
rating organization to make the requested filing for use by
the appellant. In deciding such appeal the commissioner shall
apply the standards set forth in Sub-section 3.

9—INFORMATION TO BE FURNISHED INSUREDS; HEARINGS AND
APPEALS OF INSUREDS.

Every rating organization and every insurer which makes
its own rates shall within a reasonable time after receiving
written request therefor and upon payment of such reasonable
charge as it may make, furnish to any insured affected by a
rate made by it, or to the authorized representative of such
insured, all pertinent information as to such rate.

Every rating organization and every insurer which makes
its own rates shall provide within this State reasonable means
whereby any person aggrieved by the application of its rating
system may be heard in person or by his authorized repre-
sentative, on his written request to review the manner in