298                             LAWS OF MARYLAND                      [CH. 101

(14)   Has been refused a license or had his license suspended
or revoked in another state; or

(15)   Has intentionally or wilfully made or issued, or caused to
be made or issued, any statement materially misrepresenting or
making incomplete comparisons regarding the terms or conditions
of any policy or contract issued by any authorized insurer, for
the purpose of inducing or attempting to induce the owner of
such policy or contract to forfeit or surrender such contract or
allow it to lapse for the purpose of replacing such policy or contract
with another.

243.

(g) 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 proposed change
in or addition to the filings of such rating organization and the
Commissioner shall, after a hearing held upon not less than ten
days' written notice to the appellant and to such rating organi-
zation, 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 organiza-
tion to make an addition to its filings, on behalf of its members
and subscribers, 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 organiza-
tion to make a filing on behalf of such member or subscriber which
is based on a system of expense provisions which differs, in ac-
cordance with the right granted in subdivision (ii), paragraph (1)
of subsection (b), from the system of expense provisions 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 [used] use by the appellant. In deciding such
appeal the Commissioner shall apply the standards set forth in
subsection (b).

299.

From time to time the attorney for the subscribers of any such
reciprocal insurer, under the provisions of this section, may fix
and determine savings to be paid to each subscriber or policy-
holder on participating policies or contracts from the earned sur-
plus of such reciprocal insurer, and when fixed shall establish
an adequate surplus from which such savings are to be paid. No
such savings shall be fixed or paid if by the payment thereof the
minimum surplus or other required surplus of such reciprocal in-
surer will be impaired. In fixing or paying any such savings the
attorney for the subscribers of such reciprocal insurer may make
reasonable classifications of policies or contracts, and policies or
contracts in the same classification shall be treated without unfair
discrimination. If any such reciprocal insurer shall offer an al-
ternative method or plan for savings classifications, the policy [of]
or contract shall contain an endorsement setting forth the class to
which it is assigned. Each such reciprocal insurer shall establish