A subscription for the original capital stock of a commercial bank shall conform, to the extent applicable, to the provisions of the Maryland General Corporation Law that relate to stock subscriptions. An increase in the outstanding capital stock of a commercial bank is not valid unless: The commercial bank has sufficient surplus so that after the increase in capital stock its surplus will equal at least 20 percent of its capital stock; or The amount of the increase is subscribed for and paid as required for subscription for original capital stock. Each share of common stock is entitled to one vote. A stockholder may vote in person or by proxy the capital stock that the stockholder owns of record.