64       REPORT OF THE COMMISSIONER OF INSURANCE.


nor shall such persons corporations, associations or bureaus re-
move such discrimination by increasing the rates on any risk or
class of risks affected by such order unless it is made to appear
to the satisfaction of the insurance commissioner that such in-
crease is justifiable,
RATES A PUBLIC RECORD
Every such rating organization shall keep a careful record
of its proceedings and shall furnish upon demand to any per-
son upon whose property or risk a rate has been made or to
his authorized agent, full information as to such rate, and, if
such property or risk be rated by schedule, a copy of such
schedule; it shall also provide such means as may be approved
by the insurance commissioner, whereby any person or persons
affected by such rate or rates may be heard, either in person or
by agent, before the governing of~ rating committee or other
proper executive of such rating organization on an application
for a change in such rate or rates.
EXEMPTIONS
This section shall not apply to any contract of life insurance,
nor to' any contract of insurance upon or in connection with
marine or transportation risks or hazards, other than contracts
for automobile insurance, nor to contracts made by persons,
partnerships, associations or corporations authorized to do the
business of guaranty and surety insurances, life or casualty
insurance, upon. the co-operative or assessment plan; co-opera-
tive fire insurance, inter-insurance, or fraternal benefit insur-
ance, but it shall apply to all other forms of insurance.
PENALTIES
Section 2. Every corporation, association, bureau or person
failing to comply with any of the provisions of this act, shall
be deemed guilty of a, misdemeanor and upon conviction shall
be fined not les's than one hundred dollars nor more than five
hundred dollars for each offense,
(Chapter 20, Acts of 1913).