J. MILLARD TAWES, Governor                     1071

(m) Certified public adjusters.

Any person licensed as a public adjuster in accordance with the
provisions of this section may be styled and known as a "certified
public adjuster".

(n) Residence requirements.

No public adjuster or public adjuster solicitor license shall be
issued by the Commissioner to any applicant who has not been a
bona fide resident of the State of Maryland continuously for at least
one year next preceding the date of filing of any application under
the provisions of this section.

182. Insurance Advisers; Qualification and Licensing.

(a)   License required.

No person shall act as an insurance adviser, as defined in this
section, unless so authorized by virtue of a license issued or renewed
pursuant to the provisions of this section.

(b)   Definitions.

The term "insurance adviser" as used in this section shall mean
any person who, for money, fee, commission or any other thing of
value offers to examine, or examines any policy of insurance or any
annuity or pure endowment contract for the purpose of giving, or
gives or offers to give, any advice, counsel, recommendation or infor-
mation in respect to the terms, conditions, benefits, coverage or pre-
mium of any such policy or contract, or in respect to the expediency
or advisability of altering, changing, exchanging, converting, re-
placing, surrendering, continuing or rejecting any such policy or
contract, or of accepting or procuring any such policy or contract
from any insurer, or who, or which, in or on advertisements, cards,
signs, circulars or letterheads, or elsewhere, or in any other way or
manner by which public announcements are made, uses the title
"insurance adviser", "insurance specialist", "insurance counselor",
"insurance analyst", "policyholders' adviser", "policyholders' coun-
selor", "refund company", or any other similar title, or any title indi-
cating that he gives, or is engaged in the business of giving advice,
counsel, recommendation or information to holders of policies of
insurance or annuity contracts, shall be deemed an insurance adviser,
provided that an agent or other representative of any authorized
insurer who certifies to the Commissioner that he has successfully
completed a course which has been submitted to and approved by
the Commissioner and who uses a similar title in close conjunction
with the name, in whole or in part, of the authorized insurer, while
acting for such insurer, shall not be deemed an insurance adviser
within the meaning of this section.

A license as insurance adviser shall not authorize adjusting of
losses nor receipt of compensation from insurers, brokers or agents
for the sale of or placement of insurance.

(c) Exceptions.

Nothing contained in this section shall apply (1) to an officer,
employee, agent or other representative of any authorized insurer
while acting for such insurer; (2) to any licensed broker or solicitor
who acts on behalf of his client; (3) to any attorney at law of this