J. MILLARD TAWES, GOVERNOR                            203

names of five (5) persons qualified as herein set forth and competent
in the opinion of the Board to perform the duties and functions of
the Director. Thereafter the Board shall submit to the Governor
such a list not less than thirty (30) days before the date of the ex-
piration of the term of appointment of the Director, or, in the case
of vacancy, within fifteen (15) days of the occurrence of said
vacancy.

(3) The Board shall have full power to:

(i) advise and make recommendations to the Director on all and
any questions within the scope of authority of the Director;

(ii) submit to the Governor proposed amendments to the build-
ing, savings and loan association laws of Maryland which it deems
desirable;

(iii) establish methods and standards (1) to be used in making
examinations of associations, (2) for the valuation of assets of as-
sociations and (3) for advertising and promotional activities by
associations;

(iv) to make, adopt, modify and amend such rules and regulations
as may be reasonable and necessary to carry out the provisions of
this Article, and to define any terms used therein as they may relate
to or affect associations.

(f)  Disqualification. A member of the Board having any interest
in or connection with an association as shareholder, director, mort-
gagor, attorney or otherwise shall not pass on any order or sit in
any hearing affecting such association.

(g)  Quorum. A majority of the members of the Board shall con-
stitute a quorum for the holding of meetings and hearings, but no
action shall be taken in the name of the Board without the concur-
rence of at least four (4) members in attendance.

161F. OATHS; SUBPOENAS.

(a)  Power to administer and issue. At any hearing before the
Board provided for in Section 161H of this Article, the Board or
any member thereof shall have the power to administer oaths. In
connection with any such hearing, the Board may issue subpoenas
to compel the attendance and testimony of witnesses or the pro-
duction of documents, either on the Board's own motion or at the
request of any intervenor or party, which subpoenas shall extend to
all parts of the State and shall be issued and signed by the Director
or by any member of the Board. The Board shall have power on
motion after due notice, for good cause, to quash or modify any
subpoena on the ground that such subpoena is unduly burdensome,
unreasonable or oppressive. Subpoenas shall be served personally
through the sheriff's office in the city or county in which service
can be made, or by any person of lawful age.

(b)  Failure to comply. If a person upon whom a subpoena has
been properly served fails to obey its command, without reasonable
cause, or if a person in attendance before the Board shall, without
reasonable cause, refuse to be sworn or examined, or answer a ques-
tion, or produce a book or paper when ordered to do so, pursuant to
subpoena, the Board may, and upon request of any party to pro-