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Joining Hands To Touch Lives . . . . . . Fraternalism for the Family and Our Nation

VOLUME 90 NUMBER 35

Official Publication of the SPJST, originally chartered as the Slovanska Podporujici Jednota Statu Texas, in 1897

Postmaster: Please Send Form 3579 to: SPJST Home Office, P. 0. Box 100, Temple, Texas 76503 ISSN-07458800

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September 11, 2002

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Howdy, Friends! SPJST State King Jake Holland of Lodge 25, Ennis and State Queen Marchelle Olds of Lodge 84, Dallas wave to Westfest parade attendees on August 31 -- their first public appearance since they ware crowned on August 10. District Three Director Johnnie Krizan of West is at the wheel.

September 13-14 District Six Cookoff and Family Fair at Lodge 40, El Campo-Hillje District Two Fall Meeting at Lodge 47, Seaton September 15 District Five Fall Picnic in Danbury at Skrabanek Park September 15 SPJST Golf Tournament Entry Deadline September 20 District FAC Meeting at the SPJST Home Office, Temple September 21 September 21 DYC Meeting at the SPJST Home Office, Temple September 21 Czech Heritage Day at Lodge 92, Fort Worth September 22 District Six Fall Fun Day hosted by Lodge 148, El Maton September 22 Lodge 84, Dallas Czech Fest September 27-28 Barbecue Cookoff at Lodge 29, Taylor September 30 Deadline for submitting 2003 SPJST Calendar dates Czech Heritage Month in Texas October October 1 Payment Due for Branson Trip October 5 Czech Heritage Day at Lodge 24, Cyclone October 6 Heritage Day at the State Fair of Texas, Dallas October 12 District Four Fall Fun Day at Wagon Wheel Guest Ranch, North of Snyder, off Highway 84 October 12-13 SPJST State Golf Tournament October 16-19 Supreme Lodge Meeting, SPJST Home Office, Temple District Two Six Flags Trip October 19 October 19 SPJST Library, Archives and Museum Meeting October 24-25 SPJST Travel Group to Kinder, Louisiana November 3 District Seven Family Fun Day at Lodge 107, Floresville November 8-9 Lodge 24, Cyclone Barbecue Cookoff/Countywide Sale November 14-17 SPJST Travel Group to Branson, Missouri —SPJST-

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Czech Heritage on Parade For more than 105 years, the SPJST has been a tradition with many Texas families. Members of the Lodge 66, Waco Youth Club took this message to the streets on August 31 when they participated in the Westfest Parade in West, Texas. Pictured above on their prizewinning float are youth club members, from left, Douglas Galler, Kevin Galler, Jodie McAdams, Jr., Nick Culliton, Katie Weeks, Gena Weeks, Kimberly Culliton, Mallory Harrington, Haley Harrington, Makayla Yates, Dakota Yates and Tommy Weeks.

INTEREST RATES Rates Subject to Change Without Notice

Mortgages 75% Owner Residence/ Farm Property 5.875% for I to 15 years 6.250% for 16 to 20 years 6.375% for 21 to 30 years 85% Owner Residence/ Property 7.000% for I to 30 years

Commercial Property 7.250% for 10 years 7.500% for 11 to 15 years

Universal Life 7.000% for Annualized* Guaranteed Rate: 4.500%

Roth IRA 6.000% for Annualized* Guaranteed Rate: 3.000%

Annuity II 6.000% for Annualized* Guaranteed Rate: 3.000% Certificates issued 4-1-93 and after

Annuity I 5.000% for Annualized* Guaranteed Rate: 5.000% Certificates issued prior to 4-1-93 * Rates effective 8-1-2002

in order to be considere for a mortgage loan with the SPJST, you or your spouse must be a member of the society. Likewise, each immediate qualifying family is subject to a maximum financing limitation of $250,000. For more information, including current interest rates, terms and conditions of SPJST's underwriting guidelines and details on how to apply for an SPJST mortgage loan, please call the Home Office at (800) 727-7578 and ask to speak with Ann Paruzinski in the Mortgage Lending Department.


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