Section 23-70-109 - Modifications(a) Modifications of the terms of the subscribers' agreement or of the power of attorney of a domestic reciprocal insurer shall be made jointly by the attorney and the subscribers' advisory committee.(b) No modification shall be effective retroactively, nor as to any insurance contract issued prior thereto.Acts 1959, No. 148, § 520; A.S.A. 1947, § 66-4311.