1452                             Laws of Maryland                      [Ch. 680

(5)    An insurer may satisfy its obligation to make filings by
becoming a member of or a subscriber to a licensed rating organiza-
tion which makes filings, and by authorizing the Commissioner to
accept filings on its behalf.

(6)    The Commissioner shall review filings as soon as reasonably
possible after they have been made in order to determine whether
they meet the requirements of this section.

(7)    Subject to the exception specified in paragraphs (9) (8) and
(10) (9) of this subsection, each filing shall be on file for a waiting
period of fifteen days before it becomes effective, which period may
be extended by the Commissioner for an additional period not to ex-
ceed fifteen days if he gives written notice within this waiting
period to the insurer or rating organization which made the filing that
he needs the additional time for the consideration of the filing. Upon
written application by the insurer or rating organization, the Com-
missioner may authorize a filing which he has reviewed to become
effective before the expiration of the waiting period or any extension
thereof or at any later date. A filing shall be deemed approved unless
disapproved by the Commissioner within the waiting period or any
extension thereof. A filing may be withdrawn or amended by the
filer at any time prior to approval. After approval or disapproval,
a filing may be withdrawn or amended only upon approval of the
Commissioner, who shall make the approval in accordance with this
section.

(8)    Inland marine risks which by general custom of the business
are not written according to manual rates or rating plans need not
be filed, but specific inland marine rates on risks specially related by
a rating organization shall be filed, become effective when filed, and
remain effective until the Commissioner finds the filing does not meet
the requirements of this section.

(9)    Any special filing with respect to a surety or guarantee bond
required by law or by court or executive order or by order, rule or
regulation of a public body, not covered by a previous filing shall
become effective when filed and remain effective until the Commis-
sioner finds that it does not meet the requirements of this section.

(10)    In the case of fire insurance rates, consideration shall be
given to experience during a period of not less than the most recent
five-year period for which experience is available.

(11)    THE COMMISSIONER MAY, BY WRITTEN ORDER,
SUSPEND OR MODIFY THE REQUIREMENT OF FILING
AS TO ANY KIND OF INSURANCE, SUBDIVISION OR COM-
BINATION THEREOF, OR AS TO CLASSES OF RISKS, THE
RATES FOR WHICH CAN NOT PRACTICALLY BE FILED
BEFORE THEY ARE USED.

(e) Use of rates. No insurer, officer, agent or representative
thereof shall knowingly issue or deliver, or knowingly permit the
issuance or delivery of, a policy of insurance, or any endorsement,
certificate, or addition to the policy, except in accordance with the
filings which are in effect for the insurer as provided in this section
or in accordance with subsection (h). As compensation for procur-
ing business, any insurer may pay or allow a commission to any
licensed agent of the insurer.