992                             LAWS OF MARYLAND                      [CH. 553

office (if an alien insurer) of the insurer, or in any of its branch or
agency offices; or with respect to persons other than insurers, at the
office or other place of business of such person or at any place or
places where his records are kept.

(2)   Every person being examined, its officers, employees, agents,
and representatives shall produce and make freely available to the
Commissioner or his examiners the accounts, records, documents,
files, information, assets, and matters in his possession or control
relating to the subject of the examination; and shall otherwise fa-
cilitate and aid such examination as far as reasonably possible.

(3)   If the Commissioner finds accounts to be inadequate, or in-
adequately kept or posted, he may employ experts to rewrite, post,
or balance them at the expense of the person being examined if such
person has failed to complete or correct such accounting after the
Commissioner has given him notice and a reasonable opportunity to
do so.

(4)   If the Commissioner deems it necessary to value any real es-
tate involved in any such examination, he may make written request
of the person being examined to appoint one or more competent ap-
praisers approved by the Commissioner, for the purpose of apprais-
ing such property. If no such appointment is made within ten (10)
days after such request was delivered to such person, the Commis-
sioner may appoint the appraiser or appraisers. Any such appraisal
shall be made promptly, and a copy of the report thereof shall be
furnished to the Commissioner. The reasonable expense of the ap-
praisal shall be borne by the person being examined.

33.    Examination Expense.

Each person so examined, other than as to examinations pursuant
to section 31, shall pay to the Commissioner the travel expenses, a
reasonable living expense allowance, and a per diem as compensation
of examiners, as necessarily incurred on account of the examination,
all at reasonable rates customary therefor and as established or
adopted by the Commissioner, upon presentation of a detailed account
of such charges and expenses by the Commissioner. Such an account
may be so presented periodically during the course of the examina-
tion or at the termination of the examination, as the Commissioner
deems proper. No person shall pay and no examiner shall accept any
additional emolument on account of any such examination.

34.    Examination Reports.

(1)   The Commissioner or his examiner shall make a full and true
report of each examination.

(2)   The report shall comprise only facts appearing from the books,
papers, records, or documents of the person being examined, or as-
certained from the statements of individuals concerning its affairs.

(3)   The Commissioner shall furnish a copy of the proposed report
to the person examined not less than thirty (30) days prior to filing
the same in his office. If such person so requests in writing within
such thirty day period, the Commissioner shall grant a hearing with
respect to the report, and shall not so file the report until after the
hearing and after such modifications, if any, have been made therein
as the Commissioner deems proper.