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GREER-For each company, $5, and 1 per cent of premiums exceeding $500;

payable on commencing business.

HARTSVILLE-For each company, two per cent on gross premiums.
JOHNSTON-For each agency, $5, payable January 1.

LANCASTER-For each company for $2000 or less of premium, $15; for each additional $1000, $5, payable January 1.

LAURENS For each company, I per cent of premiums, payable January 1. LEESVILLE-For each company, $5.

LEXINGTON-For each company or agent, $2.50.

MCCORMICK-For each company, $5.

MANNING For each company, $10 per annum, payable January 1.
MARION-For each agency, $15, payable April 30; for each company, two
per cent on gross premiums, payable May 1 to November 1.
MAYSVILLE-For each company, $5, payable January 1.
MULLINS-For each company, $3, payable August 1.

NEWBERRY-For each company, $10, payable on beginning business. NINETY-SIX-For each company, $5 (old rate; new ordinance to be passed in October, 1917).

NORTH AUGUSTA-For each company, $10, payable January 1.

ORANGEBURG-For each company, 2 per cent of premiums, payable quarterly.

PENDLETON-For each company, $5, payable February 1; also $2.50 on first
$100 of premiums and 25 cents for each additional $100.
PICKENS-For each company, $10 (to be 2 per cent).
RIDGELAND-For each company, $5.

RIDGE SPRINGS-For each company, $5.

ROCK HILL-For each company on first $1000 premiums $15, for each $100 additional, 75 cents.

SENECA-For each company, two per cent of premiums, payable March 31. SPARTANBURG-For each company, $25 for first $100 of premiums; $30

for $500-$1000; $35 for $1000-$1500; $40 for $1500-$2000; $45 for $2000-$2500; $50 for over $2500; minimum for each agency, $25. Brokers pay $50 for each company in which they undertake to place insurance on South Carolina property outside the State.

ST. GEORGE-For each company 2 per cent of premiums, payable June 1. ST. MATTHEWS-For each company, $5, payable October 1. SUMMERVILLE-For each company, $10, payable June 1.

SUMTER-For each company I per cent of premiums, payable during January. TIMMONSVILLE-For each company, $15, payable January 1.

UNION-For each company, $15, payable in May.

WALHALLA-For each company, $5, payable February 1.

WALTERBORO-For each company, $25, payable annually November 1.

WESTMINSTER-For each company, $5, payable annually February 1.

WILLIAMSTON-For each company, $10, payable January 15.
WINNSBORO-For each company, $5, payable July 1.

YORK-For each company, two per cent of premiums, due August 15.

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CALENDAR-SOUTH CAROLINA

Semi-annual tax statement must be filed.
Semi-annual payment of premium tax is due.
Semi-annual payment of fire marshal tax is due.
Annual statement must be filed.

Fire Department tax is payable.

Fire Department tax statement must be filed.
Company license must be secured.

Agents' licenses must be obtained.
Annual license fee is payable.

Semi-annual tax statement must be filed.
Semi-annual payment of fire marshal tax is due.
Semi-annual payment of premium tax is due.

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STATE REQUIREMENTS.

AGENTS DEFINED-No statutory definition.

AGENTS' LICENSES-Agents must procure licenses, which expire March 1, and must be renewed annually after approval of company's statement. Each member of an agency firm must have a license. One license only is required for an agency corporation. Penalty for acting as agent without license, $200 or sixty days' imprisonment for each offense. Penalty for representing an unauthorized company, fine not exceeding $200 or two months' imprisonment, or both, for each offense. Domestic county and township mutual companies not required to have licensed agents. ANNUAL STATEMENTS-Must be filed on January 1, or within two months thereafter, showing condition and business for year ending on preceding December 31. Penalty for neglecting to file statement, suspension of business on notification by Commissioner, and $100 for each week's delay. No statements required other than to Insurance Department. ANTI-COINSURANCE-Coinsurance by a reduced rate average clause is included among clauses which are permitted to be used in connection with the Standard Policy, on request. Application, signed by applicant, and clause, signed by agent, to be attached to policy. ANTI-COMPACT-Law of 1903. "Sec. 1. Any combination, agreement, confederation, compact or understanding made and entered into either directly or indirectly by or between two or more fire insurance companies insuring property against loss or damage by fire and loss or damage from the elements, transacting business within this State, or between officers, agents or employees of any such companies relating to the rates to be charged for insurance, regulating and fixing the minimum price or premium to be paid for insuring property located within this State, the amount of commission to be allowed agents for procuring insurance or the manner of transacting the business of fire or other casualty insurance within this State, is hereby declared to be unlawful and any such company, officer or agent violating this provision shall be deemed guilty of a misdemeanor and on conviction thereof in any court having jurisdiction shall pay a penalty of not less than $100 nor more than $500 for each offense, to be recovered for the use of the general fund of the State, and any such company, corporation or association so offending shall not be permitted to transact business within this State." Affidavit of compliance required annually on or before July 1. ANTI-DISCRIMINATION-Chap. 244, 1913 Session Laws, provides that no insurance company, agent, broker, or solicitor shall offer, allow, or give directly or indirectly any rebate of or part of the premium payable on the policy, or agent's commission, or any other valuable consideration as in

ducement to insurance which is not specified in the policy contract of insurance. Upon violation of this act the certificate of the company or agent shall be revoked, and upon conviction the offender shall be liable to a fine of $200 for each and every violation, or not less than sixty days' imprisonment nor more than six months.

ATTORNEY-The Commissioner of Insurance must be named as attorney to accept service of legal process.

CANCELLATION OF POLICY-Five days' notice of cancellation must be given by the company. Company may retain short rates, when policy is canceled by insured, in accordance with table adopted by the Minnesota and Dakota Fire Underwriters' Union; if canceled by company, the latter may retain only pro rata earned premium.

CAPITAL REQUIRED-Of other State companies, at least $100,000; of domestic companies, at least $100,000.

COMMISSIONS TO NON-RESIDENTS-No provision.

DEPOSIT-None required of outside companies; domestic stock companies must deposit 50 per cent of capital with the Commissioner of Insurance. DOMESTIC COMPANIES-Insurance Laws, Sec. 578. "Any number. of persons, not less than seven, may associate, form and incorporate a company for the following purposes, to wit: To make insurance upon dwelling houses, stores, and all kinds of buildings, and upon household furniture and other property, against loss or damage by fire, lightning, cyclone, tornado or hail, and the risks of inland navigation and transportation. Any and all insurance companies incorporated under the provisions of this act which shall, in a declaration and charter provided to be filed, have expressed an intention to make insurance against loss or damage by the risks of inland navigation or transportation shall have power to make insurance upon vessels, boats, cargoes, goods, merchandise, freights and other property, against loss or damage by all or any of the risks of lake, river, canal and inland navigation and transportation." Articles of incorporation must be filed with the Secretary of State. Each director must own $500 of stock. See "Deposit." EXAMINATIONS-Insurance Laws, Sec. 603. "It shall be the duty of the State Commissioner of Insurance whenever he shall deem it expedient to do so, in person or by one or more persons appointed by him for that purpose, not officers or agents of, or in any manner interested in, any insurance company doing business in this State, except as policyholders, to examine into the affairs of any company incorporated under any law of this State, or companies of other States or Territories, or any foreign companies doing business by their agents in this State; it shall be the duty of the officers or agents of any such company doing business in this State to cause their books to be opened for inspection of the Commissioner or persons so appointed, and to otherwise facilitate such examination so far as it may be in their power to do, and pay all reasonable expenses incurred therein, in no case to exceed $10 per diem and traveling expenses.

And for that purpose the said Commissioner, or person or persons appointed by him., shall have the power to examine under oath, the officers and agents of any such company, relative to the business of said company. And whenever the said Commissioner of Insurance shall deem it for the best interests of the public so to do he shall publish the result of such investigation in two newspapers in this State." Penalty for making false statement, revocation of license. License of company found to be in unsound condition shall be revoked.

FEES-For filing declaration or certified copy of charter, $25; for filing annual statement, $25; for each company's certificate of authority, $2; preparing copy for publication, $2; certificate for agent of domestic company, 50 cents; of a foreign company, $2; copies of papers on file, 20 cents per folio; affixing seal, $1; for examinations, actual expenses incurred, not to exceed $10 per diem and traveling expenses; for service of legal process, $2. See "Reciprocal Law." Fees are payable to Commissioner of Insurance, and are turned into the insurance fund in the State Treasury. FIRE DEPARTMENT TAX-State pays two and one-half per cent for foreign stock and mutual companies and one per cent for domestic companies on all premiums received in cities and towns having duly organized fire departments to the town treasurers for the support of the Fire Department. See "Taxes."

FIRE MARSHAL-Provision is made for investigation of fires by the Insurance Commissioner and his assistant, who shall perform the duties of the State Fire Marshal. Any person who negligently or carelessly causes a fire or permits a fire to spread is personally liable and shall be punishable by a $100 fine or imprisonment for thirty days, or both. See "Taxes."

FOREIGN COMPANIES' HOME OFFICE STATEMENTS—Insurance Laws, Sec. 593. foreign insurance companies shall transmit their statements of business other than that taken in the United States prior to the following first day of May" (covering preceding calendar year). GENERAL PENALTY-See under "Agents Licenses" and "Annual Statements."

IMPAIRMENT-Insurance Laws, Sec. 599. "* * * No agent shall

be allowed to transact business for any such company whose capital is impaired to the extent of twenty per cent thereof while such deficiency continues." Sec. 604. "And whenever it shall appear to said Commissioner of Insurance from such examination, that the condition of any such company incorporated in this State is not such as to justify the continuance in business of any such company, he may direct the officers thereof to require the stockholders to pay in the amount of such deficiency within such a period as he may designate in such requisition, or he shall communicate the fact to the State's Attorney, whose duty it shall be to apply to the circuit court of the county in which the principal office of the company shall

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