(1) Whether the appraiser is licensed or certified under the Business
Occupations and Professions Article; and

(2) The real estate appraiser's:

(i) Professional education; and

(ii) Experience in real estate appraising.

(e) Real estate appraisal policies and procedures shall be submitted by the
financial institutions to the Commissioner for review and approval.]

[3-313.

(a) Each commercial bank shall report to the Commissioner on its
stockholders:

(1) At least once a year, at the time that the Commissioner specifies; and

(2) At any other time that the Commissioner considers necessary.

(b) Each report made under this section shall:

(1) List the names and residence addresses of the stockholders of the
commercial bank and the amount of stock each holds; and

(2) Be signed and verified by an officer of the commercial bank.]

[3-405.

(a) The stockholders of a commercial bank shall elect directors at each annual
meeting of the stockholders.

(b) If the election of the directors is not held at the annual meeting, an election
may be held at a later meeting called for that purpose. Notice of the later meeting
shall be given as the bylaws provide.]

3-405.

(A) UNTIL SUCCESSORS ARE ELECTED AND QUALIFY, THE BOARD OF
DIRECTORS OF A COMMERCIAL BANK CONSISTS OF THE INDIVIDUALS NAMED AS
DIRECTORS IN THE ARTICLES OF INCORPORATION.

(B) (1) EXCEPT AS PROVIDED IN PARAGRAPH (2) OF THIS SUBSECTION, AT
EACH ANNUAL MEETING OF STOCKHOLDERS, THE STOCKHOLDERS SHALL ELECT
DIRECTORS TO HOLD OFFICE UNTIL THE EARLIER OF:

(I) THE NEXT ANNUAL MEETING OF STOCKHOLDERS AND UNTIL
THEIR SUCCESSORS ARE ELECTED AND QUALIFY; OR

(II) THE TIME PROVIDED IN THE TERMS OF ANY CLASS OR SERIES
OF STOCK PURSUANT TO WHICH THE DIRECTORS ARE ELECTED.

(2) (I) SUBJECT TO SUBPARAGRAPHS (II) AND (III) OF THIS
PARAGRAPH, IF THE DIRECTORS ARE DIVIDED INTO CLASSES, THE TERM OF OFFICE
MAY BE PROVIDED IN THE BYLAWS.