A license expires every other year on the date stated on the license unless renewed as provided in this section. At least 1 month before a license expires, the Commissioner shall send to the holder of the license, at the last known address or e–mail address of the holder on record a notice that states: the process for renewing the license; the date by which the Commissioner must receive the renewal application for the renewal to be issued and mailed before the license expires; and the amount of the renewal fee. Before a license expires, the holder of the license may renew it for an additional 2–year term, if the holder: otherwise is entitled to a license; files with the Commissioner a renewal application: on the form that the Commissioner provides; or in an electronic format that the Commissioner approves; completes the continuing education requirements under subsection (e) of this section; and pays to the Commissioner the renewal fee required by § 2–112 of this article. A license renewed under this section for an individual shall have an expiration date that is the last day of the month in which the license holder was born. The Commissioner shall require a public adjuster who is not a business entity to receive continuing education as a condition of renewing a license of the public adjuster. A public adjuster shall complete the continuing education required under paragraph (1) of this subsection not later than 30 days before the expiration date of the public adjuster’s license. The public adjuster shall successfully complete 24 credit hours of approved continuing education for each 2–year license period as a condition for license renewal unless the Commissioner modifies the requirement by regulation. Of the required hours of continuing education required for a renewal period under paragraph (3) of this subsection, at least 3 hours shall relate directly to ethics. The Commissioner may grant a waiver to a public adjuster who has requested a waiver for reasons that the Commissioner determines warrant the waiver. This subsection may not apply to a holder of a license who has not been licensed for 1 full year before the end of the applicable continuing education period. A nonresident license holder shall be deemed to have met the continuing education requirements of this section if: the nonresident license holder satisfies the continuing education requirements of the home state of the nonresident license holder; and the home state of the nonresident license holder allows a public adjuster who is a resident of this State to satisfy the continuing education requirements of the home state on the same basis by meeting the continuing education requirements of this State. If mailed, an application for renewal of a license shall be considered made in a timely manner if it is postmarked on or before the expiration date of the license. If submitted electronically, an application for renewal shall be considered made in a timely manner if, on or before the expiration date of the license, the application: is addressed properly or otherwise directed properly to an information processing system that the Administration has designated or uses for the purpose of receiving electronic applications and from which the Administration is able to retrieve the application; is in a form capable of being processed by that system; and enters an information processing system outside the control of the sender or of a person that sent the electronic application on behalf of the sender; or enters a region of the information processing system designated or used by the Administration that is under the control of the Administration or an agent of the Administration. The Commissioner shall renew the license of each holder who meets the requirements of this section. If the holder of a license files an application for renewal before the license expires, the license shall remain in effect until: the Commissioner issues a renewal license; or 5 days after the Commissioner refuses in writing to renew the license and serves notice of the refusal on the holder. The Commissioner may adopt regulations to carry out this section.