306                               LAWS OF MARYLAND                        [CH. 108

59.

(3) Only a licensed agent who is a resident of Maryland and who
is compensated by commissions on such policies, and who is not an
employee or officer of the insurer, may be granted the power to sign
or countersign policies OR ENDORSEMENTS subject to the provi-
sions of this section; provided, however, that no provision of this
section shall be construed so as to prevent the delegation of signatory
or countersigning duties, to others by the agent, TO BONA-FIDE
EMPLOYEES OF SUCH AGENT WHO ARE NOT EMPLOYEES
OF LENDING INSTITUTIONS nor to preclude the payment of com-
missions upon such policies to a corporation or partnership insurance
agency or otherwise as the agent may direct.

(3A). SUCH COUNTERSIGNATURES OF POLICIES AND EN-
DORSEMENTS MAY NOT BE AFFIXED UNLESS THE SAID
POLICIES OR ENDORSEMENTS SET FORTH WHEN APPLI-
CABLE THE RATES, OR PREMIUMS, A DESCRIPTION OF THE
PROPERTY INSURED AND THE NAME AND ADDRESS OF
THE INSURED.

Sec. 2. And be it further enacted, That this Act shall take effect
June 1, 1964.

Approved April 7, 1964.

CHAPTER 108
(House Bill 155)

AN ACT to repeal and re-enact, with amendments, Sections 3 and
4 of Article 46 of the Annotated Code of Maryland (1957 Edition),
title "Inheritance," subtitle "Descents;" and to repeal and re-enact,
with amendments, Sections 328, 329 and 330 of Article 93 of the
said Code (1957 Edition and 1963 Supplement), title "Testamen-
tary Law," subtitle "Widows and Widowers;" and to repeal Sec-
tions 331, 332 and 333 of the said Article and subtitle (1963 Sup-
plement), to change the dower rights of a surviving spouse to the
personal property or lands of the deceased spouse, to change the
period in which election to take dower rights may be exercised, to
change provisions for renunciation of rights under a will, and
relating to inheritance rights of surviving spouses.

Section 1. Be it enacted by the General Assembly of Maryland,
That Sections 3 and 4 of Article 46 of the Annotated Code of Mary-
land (1957 Edition), title "Inheritance," subtitle "Descents," be and
they are hereby repealed and re-enacted, with amendments, to read
as follows:

3.

A surviving [husband or widow] spouse shall take, as heir, the
same share or proportion in any lands, tenements or hereditaments
within this State belonging to the deceased spouse at the time of his
or her death, though such deceased spouse die testate, which such