WM. PRESTON LANE, JR., GOVERNOR. 1239

without justification, he shall order the rating organization
to admit the insurer as a subscriber. If he finds that the
action of the rating organization was justified, he shall make
an order affirming its action.

(c) No rating organization shall adopt any rule the effect
of which would be to prohibit or regulate the payment of
dividends, savings or unabsorbed premium deposits allowed
or returned by insurers to their policyholders, members or
subscribers.

(d) Cooperation among rating organizations or among rat-
ing organizations and insurers in rate making or in other
matters within the scope of this Act is hereby authorized, pro-
vided the filings resulting from such cooperation are subject
to all the provisions of this Act which are applicable to
filings generally. The commissioner may review such co-
operative activities and practices and if, after a hearing, he
finds that any such activity or practice is unfair or unreason-
able or otherwise inconsistent with the provisions of this Act,
he may issue a written order specifying in what respects such
activity or practice is unfair or unreasonable or otherwise
inconsistent with the provisions of this Act, and requiring the
discontinuance of such activity or practice.

(e) Any rating organization may provide for the examina-
tion of policies, daily reports, binders, renewal certificates,
endorsements or other evidence of insurance, or the cancella-
tion thereof, and may make reasonable rules governing their
submission. Such rules shall contain a provision that in the
event any insurer does not within sixty days furnish satis-
factory evidence to the rating organization of the correction
of any error or omission previously called to its attention by
the rating organization, it shall be the duty of the rating
organization to notify the commissioner thereof. All informa-
tion so submitted for examination shall be confidential.

(f) Any rating organization may subscribe for or purchase
actuarial, technical or other services, and such services shall
be available to all members and subscribers without discrimi-
nation.

7. DEVIATIONS.

No insurer, officer, agent or representative thereof shall
knowingly issue or deliver or knowingly permit the issuance
or delivery of any policy of insurance in this State which does
not conform to the requirements of the rating organization of
which the insurer is a member or subscriber. However any
insurer may deviate from the rates promulgated by the rating