J. MILLARD TAWES, Governor                     1101

(3)   If, after a hearing, the Commissioner finds that the furnishing
of such information or assistance involves any act or practice which
is unfair or unreasonable or otherwise inconsistent with the pro-
visions of this section, he may issue a written order specifying in
what respects such act or practice is unfair or unreasonable or
otherwise inconsistent with the provisions of this section, and re-
quiring the discontinuance of such act or practice.

(4)   No insurer which makes its own filings nor any rating or-
ganization shall support its filings by statistics or adopt rate making
recommendations, furnished to it by an advisory organization which
has not complied with this subsection or with an order of the
Commissioner involving such statistics or recommendations issued
under paragraph (3) of this subsection. If the Commissioner finds
such insurer or rating organization to be in violation of this para-
graph he may issue an order requiring the discontinuance of such
violation.

(j) Joint underwriting or joint reinsurance.

(1)   Every group, association or other organization of insurers
which engages in joint underwriting or joint reinsurance, shall be
subject to regulation with respect thereto as herein provided, subject,
however, with respect to joint underwriting, to all other provisions
of this section and, with respect to joint reinsurance, to subsections
(k) and (n) and to section 245.

(2)   If, after a hearing, the Commissioner finds that any activity
or practice of any such group, association or other organization is
unfair or unreasonable or otherwise inconsistent with the provisions
of this section, he may issue a written order specifying in what
respects such activity or practice is unfair or unreasonable or other-
wise inconsistent with the provisions of this section, and requiring
the discontinuance of such activity or practice.

(k) Examinations.

The Commissioner shall, at least once in five years, make or cause
to be made an examination of each rating organization licensed in
this State as provided in subsection (e) and he may, as often as
he may deem it expedient, make or cause to be made an examination
of each advisory organization referred to in subsection (i) and of
each group, association or other organization referred to in sub-
section (j). The reasonable costs of any such examination shall be
paid by the rating organization, advisory organization, or group,
association or other organization examined upon presentation to it
of a detailed account of such costs. The officers, manager, agents and
employees of such rating organization, advisory organization, or
group, association or other organization may be examined at any
time under oath and shall exhibit all books, records, accounts, docu-
ments, or agreements governing its method of operation. In lieu of
any such examination the Commissioner may accept the report of
an examination made by the insurance supervisory official of another
state, pursuant to the laws of such state.

(1) Rate administration.

(1) Recording and Reporting of Loss and Expense Experience.

The Commissioner shall promulgate reasonable rules and statistical
plans, reasonably adapted to each of the rating systems on file with