William PennWilliam Penn

LifeLifeJANUARY 2007JANUARY 2007

Welcometo the New Year36th General ConventionHighlights Events for 2007

- Page 3

Welcometo the New Year36th General ConventionHighlights Events for 2007

- Page 3

William Penn Life, January 2007

William Penn Fraternal Association Scholarship Foundation, Inc.

*DEADLINE FOR APPLICATION IS MAY 31, 2007*

Eligibility Rules for Year 2007Scholarship Grants

The Board of Directors has established the following rules governing eligibility for scholarship recipients:

a) The student applying for a scholarship grant must be an individual Life Benefit Member of the William PennAssociation for four (4) years which became effective January 1, 2003. A Life Benefit Member is an individual who isinsured for life or endowment benefits.

b) On both renewal and new applications, the applicant must be the child or grandchild of a life benefitmember of the William Penn Association in good standing. For the 2007 school year, the parent/grandparentmust be a Life Benefit Member for at least four (4) years as of January 1, 2007.

c) Scholarship grants are awarded to full-time undergraduate students only if they have been accepted by or arecurrently attending an accredited college, university or school of nursing.

d) Grants are awarded for a two- or four-year period. The student must notify the President of the ScholarshipFoundation, by letter, postmarked no later than May 31, 2007, that the student desires to receive a scholarship grant. It isrecommended that the letter be sent via Certified Mail to ascertain proof of mailing date. E-Mail notification will NOTbe accepted as proof of notification.

e) First-time applicants must submit, along with their application, a 100-word essay entitled “What WilliamPenn Association Means to Me,” postmarked by May 31, 2007, a transcript of their high school scholastic record,and furnish a copy of their latest SAT/ACT scores or waiver letter from the school in which enrolled. Proof of Enrollmentfor the coming school year must be submitted prior to the issue of the grant. Applications for scholarship grants must bemade on forms furnished by the Scholarship Foundation. All necessary forms may be obtained by writing to:

PresidentWilliam Penn Fraternal Association Scholarship Foundation, Inc.

709 Brighton Road, Pittsburgh, PA 15233

f) Renewal applicants must submit, with their letter requesting renewal, a 100-word essay entitled “WhatWilliam Penn Association Means to Me,” postmarked by May 31, 2007, Proof of Enrollment for the new termand a transcript of their scholastic record from the latest term. All renewal applicants must have maintained a minimumGrade Point Average of 2.50 on a 4.00 scale or equivalent. The letter requesting renewal must be postmarked no laterthan May 31, 2007, even if Proof of Enrollment and transcript are not available by that date. Such documents must besubmitted by September 30, 2007, and must include the name of the applicant.

g) All requests for an application and renewal letters must be submitted and signed by the student requesting the grantand mailed to the attention of the President. Eligibility rules for renewal grants will be in accordance with theeligibility rules in effect for the initial grant. Letters submitted by anyone other than the student will notbe considered. E-Mails will NOT be accepted.

h) Scholarship grants will be awarded by the Executive Committee of the William Penn Fraternal Association Scholar-ship Foundation, Inc., once each year. Grants will be paid directly to the applicant provided the student is a member ingood standing on the date the check is issued and all of the eligibility requirements stated herein have been met.

i) If for any reason the recipient does not attend college after receiving the grant, it must be returned to the WilliamPenn Fraternal Association Scholarship Foundation, Inc.

j) In compliance with current privacy laws, all information in regards to the scholarship status will be divulged only tothe applicant/student.

k) All applications and renewal letters must be postmarked no later than May 31, 2007. Any applications or renewalletters postmarked after that date will not be considered.

If unsure of eligibility rules, please call Gerry Davenport at the Home Office at 1-800-848-7366 (Ext. 128).

11111William Penn Life,,,,, January 2007

Life

Official publication of the William Penn Association. Published monthly.Office of publication: 709 Brighton Road, Pittsburgh, PA 15233 Phone: (412) 231-2979.Third Class U.S. Postage Paid. Indiana, PA Permit No. 12

Unsolicited articles, letters, pictures and other material submitted to the William Penn Life are forwarded at theowner’s risk, and the William Penn Life expressly denies any responsibility for their safekeeping or return. TheWilliam Penn Life reserves the right to edit, revise or reject any article submitted for publication.

POSTMASTER: If undelivered, please send form 3579 to: William Penn Association, 709 Brighton Road,Pittsburgh, PA 15233

George S. Charles, Jr.Editor-in-Chief

Richard W. TothDiane M. TormaAssociate Editors

John E. LovaszManaging Editor

NATIONAL OFFICERSGeorge S. Charles, Jr.

National PresidentRichard W. Toth

National V.P.-SecretaryDiane M. Torma

National V.P.-Treasurer

BOARD OF DIRECTORSStephen J. Varga

ChairmanE. E. (Al) VargoVice Chairman

Elmer W. TothVice Chairman

Ronald S. BallaAnthony C. BekeWilliam J. Bero

Barbara A. HouseCharles S. Johns

Nickolas M. KotikAndrew W. McNelis

Frank J. RadvanyMichael F. Tomcsak

AUDITING COMMITTEERobert A. Ivancso

ChairmanDennis A. Chobody

Vice ChairmanMargaret H. Boso

SecretaryJoseph Hamari

Anne Marie SchmidtWilliam S. Vasvary

Your comments are alwayswelcome. Contact us at:

William Penn LifeWilliam Penn Association

709 Brighton RoadPittsburgh, PA 15233

Phone: 1-800-848-7366E-mail: jlovasz

@williampennassociation.org

12 For StartersNotice for 36th General Convention;Applicants sought for scholarships.

115 Puzzle Contest #19

Find hidden words associated withthe new year and you could win $50.

16 HealthPageAcupuncture may just be the curefor what ails you.

17 Charitable IdeasHow to ensure your donations go tothe people you want to help.

INSIDE

DEPARTMENTS

10 The Hungarian KitchenChef Béla offers information andrecipes about sweet yeast breads.

14 Welcome To OurFraternal FamilyPhotos of our newest members.

15 Branch NewsThe latest news and notes from ourbranches.

20 In MemoriamHonoring our deceased members.

January cover photo (c) Corbis

William Penn

Volume 42, Number 1 JANUARY 2007

13Fighting prejudiceLaw student uses scholarship to help fight for rights of Roma.

3 Convention highlights this year’s eventsThe WPA is preparing for a busy year full of fraternal activities.

4 Did you know...?People in the 20 to 40 years age range are buying more life insurance.?

2007

22222 William Penn Life, January 2007

For Starters

Official Notice

36th General ConventionIn accordance with the By-Laws, Article II, Section 202, theBoard of Directors hereby gives notice that a regularmeeting of the General Convention of the William PennAssociation will convene on September 3, 4 and 5, 2007.The Board has designated that the General Conventionwill be held at the

Hilton Pittsburgh and TowersGateway Center

600 Commonwealth PlacePittsburgh, Pennsylvania 15222

By order of the Board of Directors,

Stephen J. VargaChairman of the Board

Richard W. TothNational V.P.-Secretary

George S. Charles, Jr.National President

Diane M. TormaNational V.P.-Treasurer

PITTSBURGH -- The William PennFraternal Association ScholarshipFoundation has announced that it isaccepting applications for scholar-ship grants for the academic year2007-2008.

William Penn Association mem-bers who have been accepted by, orare currently attending, an accreditedcollege, university or school ofnursing as a full-time student mayapply for a grant.

To qualify for a grant, the applicantmust be a life-benefit member of theWilliam Penn Association for at leastfour years as of Jan. 1, 2007. Theapplicant must also be a child orgrandchild of a WPA life-benefitmember in good standing for at least

Scholarship Foundation seekingapplicants for 2007-2008 grants

four years as of Jan. 1, 2007.All applications for new and

renewal grants must be signed by theapplicant and sent via regular mail,postmarked no later than May 31,2007. Applications sent via email willnot be accepted.

For complete eligibility rules andapplication procedures, please see theannouncement found on the inside ofthe front cover of this month’s issue ofthe William Penn Life.

For more information about thescholarship program and a copy ofthe scholarship application form,write to: President, William PennFraternal Association ScholarshipFoundation, Inc., 709 Brighton Road,Pittsburgh, PA 15233.

LettersAward for essayis appreciated

On behalf of my family andmyself, I would like to thank you andthe William Penn Association for yourgenerous financial contribution that Ireceived for the essay that I wroteentitled, “What Fraternalism Meansto Me.” The WPA has alreadyprovided me with a significant amountof financial support to aid my pursuitof a bachelor’s degree in engineeringfrom the University of Pittsburgh. Thisadditional support makes the goals ofmy academic career more attainableas I progress through the rigorousengineering program.

I was excited to see my essaypublished in the William Penn Lifeand did not expect to receive anytype of award for simply putting mythoughts on fraternalism on paper.The WPA has been a blessing tomany young men and women whohave chosen to further their personalgrowth through higher education, andfor this I am whole-heartedly grateful.Thank you, again, for all that you do!

Andrew D. GordonNewtown, PA

POSITION AVAILABLEController

William Penn Association has anopening for the position of Controller.Accounting degree required. Responsi-bilities include preparation and analysisof various financial reports, budgetpreparation, general ledger reconcilia-tion, internal controls and directsupervision of accounting department.Position requires strong communica-tion, organizational and analytical skills,as well as computer proficiency andsoftware knowledge. Please sendresume, along with a cover letter, to:

William Penn AssociationAttn.: Human Resources Department

709 Brighton RoadPittsburgh, PA 15233-1821

William Penn AssociationAnnual Golf Tournament

July 20 and 21, 2007The award-winning Quicksilver

Golf Club in Midway, Pa., will serveas the site of our 24th annual golfouting. Headquarters for the weekendwill be the Pittsburgh AirportMarriott.

Hungarian Heritage ExperienceAugust 5 to 11, 2007

Penn Scenic View in Rockwood,Pa., will again serve as the site for theExperience. Students will receive 25hours of instruction, focusing onpractical usage of the Hungarianlanguage. The Experience is openonly to WPA life-benefit members age18 or older. The cost for the week,including lodging, meals and work-shop materials is only $275.

William Penn Association36th General Convention

September 3, 4 and 5, 2007The supreme governing body of the

Association will hold its quadrennialmeeting in Pittsburgh at the HiltonPittsburgh and Towers. Delegates tothe Convention will be selectedduring district elections, which willbe held between May 1 and 15.

William Penn AssociationPicnic-A Great Fraternal Fest

September 15, 2007The seventh edition of the WPA’s

most popular fraternal event will beheld on the lovely grounds of PennScenic View. Preparations for thispicnic are already underway.

More information on these frater-nal events, as well as informationabout events being held throughoutthe Hungarian-American Commu-nity, will appear in future issues ofthis publication. Or, you can learnmore by calling me at 1-800-848-7366,ext. 136.

As always, the key to the success ofthese events is your participation. Ilook forward to meeting you through-out the coming year.

33333William Penn Life, January 2007

with Endre CsomanBranching Out

Convention highlights 2007 eventsSO QUICKLY THE CHRISTMASholiday has come and gone, and thenew year has come upon us. I wisheveryone a happy and healthy newyear. The weather has been great, andperhaps we can take a breather andmake plans for the new year.

The WPA is planning a variety ofevents for the year 2007, including the36th General Convention. While theprimary purpose of the Convention isbusiness related, these fraternalevents are designed specifically foryou and your family’s enjoyment.

WPL

WPA spreads fraternal spirit during visitto Children’s Hospital of PittsburghPITTSBURGH -- Caring andsharing have been a traditionamong WPA members for morethan 120 years, especially duringthe holiday season.

That tradition continued Dec. 2when spouses of several nationaldirectors and other membersvisited the Children’s Hospital ofPittsburgh to deliver many gifts,donated by the Official Family, forthe hospital’s young patients.

Elizabeth Vargo, wife of Vice

Chairman of the Board E. E. (Al)Vargo, presented the gifts on behalfof the entire group to Mary Diesingof the hospital’s Child Life Depart-ment.

Pictured above after placing thegifts under the hospital’s Christ-mas tree are (clockwise from top,center) Thomas House, MargueriteMcNelis, Elsie Radvany, ZitaProwse, Shirley Kotik, Ms. Diesing,Mrs. Vargo, Sandy Stasko andMarguerite Beke.

So, please mark your calendars forthe following WPA events:

William Penn AssociationAnnual Bowling Tournament

and Scholarship DaysMay 4, 5 and 6, 2007

The WPA’s 64th annual bowlingtournament will be held in Pittsburgh.Bowling events will take place atPrincess Lanes in Whitehall, Pa., thesite of several previous tournaments.Hotel accommodations for bowlersand guests will be at the RadissonHotel Pittsburgh Greentree.

44444 William Penn Life, January 2007

Moneywi$ewith Mark Lantz

Did You Know...?

Call your local WPA representative or our Home Office to learn more.We offer many affordable plans for men and women (and boys and girls) of all ages, from 0 to 85.

We enjoy serving our members and their family and friends.

AND DON’T FORGET--The WPA is currently paying 5.25% on our 9-Year Surrender ChargeAnnuities...a great way to cover your own future. Call for details.

Mark Lantz, Sales Director, 1-800-848-7366, Ext. 134.

People in the 20 to 40-year age group are nowbuying more life insurance.The reasons they are buying more life insurance:

You save money with lower premiums for life insurance when purchased at younger ages.

Life insurance protects young families.

Individual ownership is necessary because people in this age range change jobs more often.

There are higher bills to be paid, for example, college loans, mortgages, credit card balances,automobile loans and other debt.

Life insurance provides for monthly checks to their loved ones to pay the monthly bills.

They can set money aside for college tuition upon their death.

Buying life insurance now protects their insurability into their senior years. It’s better to buy when youare healthier in your younger years.

Who is buying the life insurance?Spouses, parents, grandparents, aunts, uncles and even in-laws are making the payments.

Spouses are buying to protect their financial stability.

Parents and grandparents buy for their adult loved ones to help them with learning the importance ofowning your own life insurance plan with the WPA.

Yes, we are now having all these groups purchasing life insurance for family members. Grandparentsare buying more single premium whole life insurance and 20 pay plans for their grandchildren. Grand-parents realize the importance of life insurance and are happy to make the purchases. They know thatthe financial security of the family is helped by the checks from WPA.

55555William Penn Life, January 2007

Moneywi$ewith Mark Lantz

Happy New Year!Find the words commonly associatedwith the New Year hidden below andyou could win $50 in our Puzzle Puzzle Puzzle Puzzle PuzzleContest #19.Contest #19.Contest #19.Contest #19.Contest #19.

RULES

1. ALL WPA Life Benefit Members are eligibleto enter.

2. Complete the word search puzzle correctly.3. Mail your completed puzzle, along with your

name, address, phone number and WPACertificate Number, to: WPA PUZZLE #19,709 Brighton Road, Pittsburgh, PA 15233.

4. Entries must be received at the Home Officeby February 26, 2007.

5. Four (4) winners will be drawn from allcorrect entries at noon on February 28, 2007,at the Home Office.

6. GOOD LUCK!!!

Happy New Year

And the winners are...We drew the winners of our Puzzle Contest #16 at theHome Office Dec. 11. Thanks to Home Office employeesSteve Meyers and Dora McKinsey for their help. Con-gratulations to:

Barbara Francis, Br. 44 Akron, OHFrank Karako, Br. 1 Bridgeport, CT

Wade Schaming, Br. 71 Duquesne, PAHenry A. Szarnicki, Br. 296 Springdale, PA

Each won $50 for their correct entry. WAY TO GO!!

Name:

Address:

Phone:

WPA Life Certificate Number:

Confetti

Dick Clark

Dreams

Family

Friends

Goals

Happy New Year

Ice

Memories

Noise Makers

Party

Resolutions

Rewards

Songs

Snow

Times Square

Traditions

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pressure, blood flow and bodytemperature.

Scientific studies have foundbenefits from acupuncture for nauseaand vomiting caused by chemo-therapy and for post-operative dentalpain. Acupuncture has been found tobe possibly useful for addiction,headache, menstrual cramps, tenniselbow, carpal tunnel syndrome,fibromyalgia and asthma. In the areaof chronic pain, the findings fromclinical studies have been mixed(positive and negative).

While acupuncture is increasinglyincorporated into mainstream west-ern medicine, further research into itseffectiveness is necessary.

Ouch? Does it hurt?While everyone experiences

acupuncture differently, most peoplefeel little to no pain as the needles areinserted. Some people are energizedby treatment, while others feel re-laxed. In any case, the effects ofacupuncture are not the same foreveryone, due to the differences infactors such as lifestyle, age andphysiology.

If you are consideringacupuncture

Anyone who is considering tryingacupuncture or any other form ofcomplementary or alternative medi-cine (CAM) should inform all of theirhealth care providers. This is forsafety; providers need to make surethat all aspects of health care areworking together.

It is also important to seek out aqualified licensed acupuncturepractitioner. One reason to do so isthat improper needle placement,movement of the patient, or a defectiveneedle can cause soreness and painduring treatment.

66666 William Penn Life, January 2007

Health LinksFor more information on acupunc-ture and how to find and select aqualified practitioner, go to thewebsite of the National Center forComplementary and AlternativeMedicine at:

http://nccam.nih.gov

Or, call the NCCAM Clearinghouseat 1-888-644-6226.

WPL

HealthPage

Getting to the pointThe ancient practice of Acupuncture may just be

the right prescription for what ails youfrom the National Institutes of Health

Can't seem to get rid of thatpounding headache? Doesn'tfeel like the pain medication

alone is taking away that lower backpain? One option that a number ofpeople with pain investigate--espe-cially chronic pain--is acupuncture.

What is it?A traditional Chinese practice that

began over 2,000 years ago, acupunc-ture today combines medicinaltraditions from Japan, Korea andother countries. The practice ofacupuncture is based on the beliefthat there are more than 2,000 ana-tomic locations throughout the bodythat connect with energy pathwayscalled meridians. It is believed thatenergy called Qi (pronounced "chee")flows through the meridians and isresponsible for maintaining spiritual,emotional, mental and physicalbalance.

Qi is believed to be influenced byopposing forces called yin (negativeenergy) and yang (positive energy)and that when yin and yang becomeunbalanced, health problems occur.That's where acupuncture comes intothe picture. Acupuncture is used withthe intention of removing imbalanceswithin yin and yang, normalizingenergy flow and restoring or main-taining health.

How does it work?While acupuncture encompasses a

variety of techniques, the procedurethat has been most studied scientifi-cally involves stimulating pointsthroughout the body by penetratingthe skin with thin, solid, metallicneedles that are manipulated by thehands or by electrical stimulation.

There are various theories as towhy acupuncture may have effects,

primarily on pain. It may stimulatethe central nervous system to releasechemicals into the muscles, spinalcord, and brain. It may signal thebody to release pain-relieving chemi-cals called opioids, as well as hor-mones like endorphins. Studies haveshown that changes in brain chemis-try affect the release of neurotransmit-ters and neurohormones, which playa role in processes that regulate blood

names that closely resemble those ofrespected, legitimate organizations. Ifyou notice a small difference from thename of the charity you intend to dealwith, call the organization you knowto check it out.

Know the difference between“tax exempt” and “tax deductible.”Tax exempt means the organizationdoesn’t have to pay taxes. Taxdeductible means you can deductyour contribution on your federalincome tax return. Even if an organi-zation is tax exempt, your contribu-tion may not be tax deductible. If a taxdeduction is important to you, ask fora receipt showing the amount of yourcontribution and stating that it is taxdeductible.

Beware of organizations that usemeaningless terms to suggest they aretax exempt charities. For example, thefact that an organization has a “taxI.D. number” doesn’t mean it is acharity; every nonprofit and for-profitorganization must have a tax I.D.number. And an invoice that tells youto “keep this receipt for your records”doesn’t mean that your donation istax deductible or that the organiza-tion is tax exempt.

Some additional tips:Be skeptical if someone thanks

you for a pledge you don’t remembermaking.

Ask how your donation will bedistributed.

Refuse high pressure appeals.Be wary of guaranteed sweep-

stakes winnings in exchange for acontribution. According to law, younever have to donate anything to beeligible to win.

Avoid cash gifts. Cash can belost or stolen. For security and taxrecord purposes, it’s best to pay bycheck.

77777William Penn Life, January 2007

For more information about howto wisely choose which charities tosupport and how to spot charityfraud, log onto the consumerinformation page of the FederalTrade Commission’s Charity Fraudwebsite at:

www.ftc.gov/bcp/conline/edcams/charityfraud/coninfo.html

Charity Links

Charitable Ideas

How to ensure your charitable donations benefitthe people and organizations you want to help

Give or Take?

WPL

from the Federal Trade Commission

You may have contributed someof the more than $200 billionraised for charities in 2006.

Unfortunately, a portion of thatamount may have been misused orended up in the pockets of fraudulentsolicitors. With more than 700,000federally recognized charities solicit-ing for charitable contributions, itpays to be cautious when making adonation.

Your charity dollars are an invest-ment in your community, the nationand the world. It’s wise to use just asmuch caution when making yourcharitable giving decisions as you dowhen making other decisions affect-ing your overall financial picture.

Consider the following precautionsto ensure that your donation dollarsbenefit the people and organizationsyou want to help. They’re goodpractices whether you’re contacted byan organization’s employees, volun-teers or professional fund-raisers,soliciting donations by phone, mail orin person.

Be wary of appeals that tug atyour heart strings, especially pleasinvolving patriotism and currentevents. Although the Department ofDefense does not endorse any specificwar related charity, you can visit theirWeb site at www.army.mil/operations/oif/FAQ.html to find out about militaryrelief societies that provide assistanceto U.S. servicemembers and theirfamilies.

Ask for written informationabout the charity, including name,address and telephone number. Alegitimate charity or fund-raiser willgive you information about thecharity’s mission, how your donationwill be used and proof that yourcontribution is tax deductible.

Check out the charity’s financialinformation. For many organizations,this information can be found onlineat www.guidestar.org or at GuideStar,427 Scotland Street, Williamsburg, VA23185; phone (757) 229-4631.

Ask for identification. TheTelemarketing Sales Rule requires for-profit fund-raisers to disclose thename of the charity requesting thedonation. Many states require paidfund-raisers to identify themselves assuch and to name the charity forwhich they’re soliciting. If the solici-tor refuses to tell you, hang up andreport it to law enforcement officials.

Call the charity. Find out if theorganization is aware of the solicita-tion and has authorized the use of itsname. If not, you may be dealing witha scam artist.

Check with local recipients. Ifgiving to local organizations isimportant to you, make sure they willbenefit from your generosity. If acharity tells you that your dollars willsupport a local organization, such asa fire department, police departmentor hospital, call the organization toverify the claim.

Watch out for similar soundingnames. Some phony charities use

WPAAnnuities

You work hardfor your money.Shouldn’t yourmoney work hardfor you?WPA Flexible Premium Deferred Annuitiesprovide you with guaranteed future income,based on the premiums you pay. Ideal forretirement, your WPA Annuity contract is agreat long-term plan for your future and foryour family members.

Deferred annuities shield your interest earnings fromcurrent income tax. Until you take a cash withdrawal,your interest credits continue to grow tax-deferred.

Featuring attractive rates, your WPA FlexiblePremium Deferred Annuity earns interest on yourpremiums. So, your money is working for you!

Why Invest In OurNon-Qualified,Tax-Deferred Annuities?

NO fees of any kind.

NO administrative charges.

NO front loads.

Fixed annuity ensures guaranteedminimum growth.

Tax-deferred status allows yourmoney to grow faster since youdon’t pay taxes on interest earneduntil you begin withdrawals.

You can make additional depositsthroughout the life of the contract.

The WPA’s excellent solvency ratio ofassets over liabilities means yourmoney is safe.

Qualified Plans for Your Long-Term GoalsIf you have other long-term goals, such as payingfor your child’s education or purchasing a home,the WPA has Traditional and Roth IRAs that canhelp you reach your goal. Call your local WPArepresentative or our Home Office for moreinformation on these qualified plans.

88888 William Penn Life, January 2007

Key Advantagesof WPA Annuities

Safety - your annuity funds are fullyprotected, as required by law. WPAmaintains cash reserves which exceedthose required by law. WPA takes pride inits solvency, which can be verified byfinancial statements filed annually withstate insurance departments.

Competitive Rates - Current WPAinterest rates are guaranteed never to dropbelow 3.0%. Interest earnings accumulatetax-deferred until withdrawal or surrender,with interest compounded on each anni-versary date. WPA may change the rate forinterest credits in excess of 3.0%.

Management-Free - there are no sales oradministrative fees; 100% of your premi-ums begin earning interest immediatelyupon deposit.

Lifetime Income - cash payments can bemade in a lump sum or through othersettlement options.

Probate Avoided - should the annuitantdie prior to the contract maturity date, thetotal cash value is paid directly to thebeneficiary. Problems with the expensesand delays of probate are avoided!

Flexibility! - premium payments may bediscontinued or resumed at any time.

Choose Your PlanWPA Flexible Premium

Deferred Annuities(Non-Qualified)

Tax-deferred interest accumulationsCurrent interest rate guaranteed for first 6 months

Minimum guaranteed interest rate -- 3.0%

PENN “PREFERRED”PENN “PREFERRED”PENN “PREFERRED”PENN “PREFERRED”PENN “PREFERRED”(9 Year Withdrawal Charge)

- Designed for those saving for long-term goals.

- Earns our highest interest rate.- Make withdrawals of up to 10% of your anniversary balance

during first 9 years with no WPA penalties.- Make withdrawals after 9 years with no WPA penalties.

PENN “HIGH FIVE”PENN “HIGH FIVE”PENN “HIGH FIVE”PENN “HIGH FIVE”PENN “HIGH FIVE”(5 Year Withdrawal Charge)

- Designed for those saving for near-term goals.

- Earns interest at our second-highest rate.- Make withdrawals of up to 10% of your anniversary balance

during first 5 years with no WPA penalties.- Make withdrawals after 5 years with no WPA penalties.

PENN “NO SURRENDER”PENN “NO SURRENDER”PENN “NO SURRENDER”PENN “NO SURRENDER”PENN “NO SURRENDER”(Zero Withdrawal Charge)

- Designed for those needing a reliable source of income now.

- Earns interest at competitive rates with no WPA penaltiesfor early withdrawal.

PLEASE NOTE: All annuities may be subject to IRS penalties for early withdrawal.

Want to know more?Call us TODAY at:

1-800-848-7366

A note on Solvency......and why it’s important to you.Solvency is the ratio of a company’s assets over its liabilities. It indicates acompany’s financial soundness and ability to meet all of its obligations asthey become due. The higher a company’s solvency ratio, the moreconfidence you can have in that company that it can pay all the moneydue you and your beneficiaries.

Average solvency of 25 of the largest life insurance companies....$105.22WILLIAM PENN ASSOCIATION’S solvency..................$114.90.**Assets for each $100 of liabilities as of Dec. 31, 2005. Source: StandardAnalytical Service, Inc., “An Independent Comparative Report for 2006.”

William Penn Life, January 2007 99999

1010101010 William Penn Life, January 2007

The Hungarian KitchenTM

with Foszakács Béla

Sweet Yeast BreadsThese baker’s delights are perfect for breakfast,

for dessert or with coffee with friends

`̀

FÁRAD JON BE A MAGYARKONYHÁBA.

CulinaryCulinaryCulinaryCulinaryCulinaryCornerCornerCornerCornerCorner

When boiling any vegetablesin water for a meal, save thewater and use it for a vege-table soup or meat stew. Theextra flavor in the water addsa better taste to your finalproduct.

CHEF’S TIP CHEF’S TIP CHEF’S TIP CHEF’S TIP CHEF’S TIP #####77777To insure the liquid used in your yeastrecipes is the right temperature, be-tween 95 and 110 degrees, buy yourselfa digital kitchen thermometer. Youcan also use it to measure the internaltemperature of your finished products,making sure they are done properly.

A Happy New Year to you, yourfamily and friends. This should be anexciting year as we have a new lookand more information to pass yourway about Hungarian food.

Thank you to all who sent cardsduring this Christmas season fromChef Vilmos and me. We were bothputting in kitchen time testing newrecipes and trying new things.

Each year it’s nice to offer moreand more to you readers. Think ofhow much we have all learned overthe last few years and how muchbetter we have gotten with our kitchenskills. This year will be no exceptionas we learn more and more aboutMagyar food, traditions and customs.

This month the topic is sweet yeast

breads we can enjoy for breakfast,dessert or with coffee and friends.First, here are two trivia questions foryou: (1) What is the only yeast thatwhen used for its intended purposedoes not cause the product to rise?And, (2) can you name the two mostpopular unleavened breads con-sumed by many people? As alwaysanswers are at the end of the column.

Bread making has been aroundsince prehistoric times and is men-tioned quite often in the Bible. Most ofthe ancient bread was unleavenedbread because leavening agents hadnot been discovered or invented.Imagine the expression on the faces ofthe bakers the first time they sawbread rise up like magic. They prob-ably didn't know what to think andwere truly amazed. The Egyptiansused yeast as a leavening agent 5,000years ago.

Science has provided us with theanswer to the yeast question: wheredoes it come from? Wild yeast is inthe air all around us all the time. Allyeast needs to grow is a food source ofstarch or sugar, some moisture and anurturing temperature (70-85 degreesFahrenheit).Yeast is a living microor-ganism that, as it grows, converts itsfood to alcohol and carbon dioxide.This process is called “fermentation.”

The first thought that comes tomind would be winemaking and beermaking and, you’re right, yeast isused in both processes. Winemakers

and beer makers count on the yeast tocreate alcohol and carbon dioxide.Carbon dioxide gives the efferves-cence to beer, champagne and spar-kling wines.

But fermentation in baking takeson a different task. As the yeastferments the dough, it creates carbondioxide bubbles within the doughthat make it rise up. As heat isapplied in the oven, the dough rises abit more, the alcohol is burned off andyou're left with a very tasty product.

The gluten in the dough traps theair bubbles created by the carbondioxide. Gluten is a product createdwhen you mix water with wheat flourand the proteins glutenin and gliadin.More specifically, it is the name givento the combination of glutenin andgliadin. This gluten product is pliableand can be kneaded, which stretchesthe gluten into elastic sheets trappingeven more carbon dioxide.

Okay, enough of the science lessonfor now. I'm sure you understandhow it works.

A test for yeast activity to make

William Penn Life, January 2007 1111111111

Jó étvágyatJó étvágyatJó étvágyatJó étvágyatJó étvágyatFoszakács BélaFoszakács BélaFoszakács BélaFoszakács BélaFoszakács Béla`̀

TTTTThe Hhe Hhe Hhe Hhe Hungarian Kitchenungarian Kitchenungarian Kitchenungarian Kitchenungarian Kitchen

LENTILS are a good meat substituteand contain 25% protein, fiber,vitamins A and B, minerals, carbohy-drates and some fats. Lentils, part ofthe legume family, have seed podswhich split along the sides when ripe.The dried seeds from the pod arecalled pulses. They grow on a bushy,annual plant and are mentioned in theBible. Lentils are never consumed freshbut dried at their peak of ripeness.The Latin word “lens” is used today todescribe a glass which has the shapeof a lentil.

SavorySavorySavorySavorySavorySpotlightSpotlightSpotlightSpotlightSpotlight

sure it’s good is called PROOFING.Dissolve a small amount of yeast inwarm water (95 degrees), add a pinchof sugar, then set aside in a warmplace for 10 minutes. If the mixturestarts to foam, the yeast is active.

There are two main types of yeast:BAKER’S and BREWER’S.

BAKER'S yeast comes in threeforms: active dry, compressed freshyeast and yeast starters.

ACTIVE DRY yeast is made up oftiny dehydrated granules that aredormant until a liquid is added andthe right temperature (105-110degrees Fahrenheit) applied to startthe fermentation process. This yeastcomes in active and fast rising forms.

COMPRESSED FRESH yeast comesalready moist and is extremelyperishable. It is best kept cold forstorage and best used by the date onthe package. This product may also befrozen and should be defrosted atroom temperature for best results.

YEAST STARTER'S are a combina-tion of yeast, flour, water and sugar.They are used in modern day breadmaking. A good example would besourdough bread which uses asourdough starter.

BREWER'S yeasts are special non-leavening yeasts. They are a richsource of B vitamins and also used asa food supplement in many, manyrecipes and foods we enjoy everyday.

YEAST DOUGH is the productcreated by using yeast in your breadrecipe. Danish pastry, braided breadsand croissants are a few good ex-amples, and here are some more:

- BRIOCHE is a light yeast breadrich with butter and eggs.

- DANISH PASTRY starts as yeastdough then is rolled out, dotted withbutter, rolled out again then is shapedinto pastries.

- STOLLEN is a traditional Germanyeast bread filled with dried fruits

and topped with powdered sugar.- BABKA is a rum-scented Polish

sweet yeast bread with almonds,raisins and orange peel.

- KALACS is yeast dough filledwith poppy seed or nut fillingproudly made by Hungarians. Thiscan also be made with golden raisinsand sherry brushed on the top forextra flavor.

- CHALLAH is egg rich yeast breadtraditionally served by Jewish fami-lies during their holidays. Now you know a bit more aboutyeast and what it does in our breadrecipes!

Once again, congratulate your-selves and go to the kitchen and enjoymaking the recipes. The trivia an-swers are (1) Brewers yeast doesn'tcause the product to rise but createscarbon dioxide and adds somenutritional value. And (2) Matzo, athin, brittle unleavened bread whichis traditionally enjoyed during Pass-over, and Lavash, in crispy or softform, is the other unleavened bread.

Have a wonderful month.

“The Hungarian Kitchen”is a trademark of William S. Vasvary.

RECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESKalács(Hungarian Sweet Bread)1 cup warm milk (95 degrees)2 teaspoons dry yeast1 cup flour1 teaspoon sugar11 cups flour4 whole eggs¼ cup butter½ cup sour cream2 teaspoons salt¼ cup sugar½ cup golden raisins3½ cups milk1 beaten egg¼ cup cream sherry

In a large bowl make a sponge fromthe warm cup of milk, two teaspoons

dry yeast, one cup of flour and oneteaspoon sugar. Work the mixturetogether using yours hands until youget dough. Let it rise in the bowlthen add all the other ingredients inorder except the one beaten eggand cream sherry. Knead themixture on a cutting board until asoft dough is formed that separatesfrom your hands and the board veryeasily. Put the dough in a clean,lightly greased bowl and cover withplastic wrap, punching a few holes in

the top. Let the dough double in sizethen divide in half. Place each half ina greased loaf pan then brush thetop of the dough with the onebeaten egg. Place in a preheated 350degree oven and bake for one hour.Check for doneness by inserting acake tester that should come outclean OR use a digital thermometerwhich should read at least 180degrees, indicating the kalacs isdone. Remove from the oven andbrush the cream sherry on top forextra flavor. Let cool for 10 minutesthen remove from loaf pans andcontinue cooling on wire racks. Sliceand serve to your guests.

More great recipes on Page 12.

1212121212 William Penn Life, January 2007

TTTTThe Hhe Hhe Hhe Hhe Hungarian Kitchenungarian Kitchenungarian Kitchenungarian Kitchenungarian Kitchen

RECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESRECIPESMakos Kalács(Poppyseed Rolls)4½ cups flour1 teaspoon salt1 cup warm milk (95 degrees)½ pound butter2 egg yolks2 whole eggs4 tablespoons sugar2 yeast cakes1 beaten whole egg

FILLING1 pound ground poppy seed1 cup sugar½ cup honey1 cup hot milk1 teaspoon lemon rind1 teaspoon lemon juice¼ cup white raisins

For the filling, mix all ingredients ina small bowl then set aside to cooluntil ready to spread on the sectionsof dough. In another small bowl,crumble the yeast then add the onecup warm milk and the four table-spoons sugar and let stand until itfoams and gets active. In a largemixing bowl, mix the flour and thebutter as you would for a pie crustthen, making a small well, add thewhole eggs, salt and the yeastmixture from the small bowl. Blendthis mixture until the dough doesnot stick to the sides of the bowl.Divide this dough into four piecesand roll out each one as thin aspossible. Spread with the filling androll up like you would a jelly roll,pinching the edges closed. Placeeach roll on a greased baking sheetand brush with the beaten wholeegg. Bake in a preheated 350 degreeoven for 45 minutes or until goldenbrown. Cool, then slice and serve.

Challah½ cup spring water2 whole eggs, room temperature2 tablespoons butter cut into pieces2 teaspoons salt2 tablespoons sugar3 cups bread flour2¼ teaspoons dry yeast1 whole egg, lightly beaten1 tablespoon water

In a large mixing bowl, combine onecup of flour and all the dry ingredi-ents, then the ½ cup of water. Beatusing a hand-held mixer on mediumfor three minutes, then add the twowhole eggs and beat another minute.Stir in the remaining flour by handto make stiff dough. Knead on alightly floured surface until thedough becomes smooth and elastic.Use a little more flour if you need to.Place the dough in a lightly oiledbowl turning to coat the top of thedough. Cover with plastic film pokedwith a few holes and let rise untildough tests ripe. Turn dough backonto a lightly floured surface andpunch down all the air bubbles. Rollup the dough and crimp the edgesso it fits into a 9 x 5 inch loaf panthat has been greased. In a cup,combine the lightly beaten wholeegg with the teaspoon of water tomake the glaze. Brush the loaf withthe glaze and sprinkle with sesameor poppy seeds. Bake in a preheated375 degree oven for 40 minutesuntil the challah is golden brown.Remove from pan and cool on awire rack. Slice and serve.

Stollen2½ yeast cakes½ cup granulated sugar1 cup warm milk (95 degrees)2 whole eggs slightly beaten2 sticks butter melted½ teaspoon salt5 cups all purpose flour½ cup walnuts½ cup raisins½ cup dates½ cup mixed fruit¼ cup dark rumButter for brushingPowdered sugar for sprinkling

In a small bowl, marinate thewalnuts, raisins, dates and mixedfruit in the rum overnight. In a largemixing bowl, crumble up the yeast,then add the granulated sugar, milk,

eggs, salt, butter and the flour. Blendthis mixture until a dough forms.Knead well until the dough is elasticand smooth. Cover with a cleantowel and let rise for one hour. Addin the drained marinated fruit andknead again, then divide into threeloaves. Place the loaves on a cookiesheet lined with parchment orbrown paper. Let the loaves riseagain for 45 minutes. Bake in apreheated 350 degree oven for 45minutes. During the last 20 minutes,brush the loaves with butter, thenbrush again with 10 minutes leftduring the baking. Remove fromoven and cool on wire rack. Sprinklewith powdered sugar before serving.

Sweet Dinner Rolls½ cup warm water (110 degrees)½ cup warm milk (110 degrees)1 whole egg beaten1/3 cup butter, softened1/3 cup white sugar1 teaspoon salt3¾ cups all purpose flour1 package dry yeast (.25 ounce)½ cup butter, softened for brushing

In a small saucepan warm the waterand milk to 110 degrees. Pour thismixture into a large mixing bowlthen add the egg, 1/3 cup butter,sugar, salt, flour and yeast. Mixtogether until a dough forms andknead until it’s smooth and elastic.Put the dough ball into a clean bowlthat has been greased, then turn thedough so it’s completely greased.Cover the bowl with plastic wrappoked with a few holes. Set this bowlaside until the dough rises. Turn thedough out onto a lightly flouredsurface and cut in half. Roll each halfinto a 12-inch circle and spread the¼ cup of butter over the two halves.Cut each circle into eight wedgeslike you would a pizza. Start at thewide end roll the wedge toward thesmall end keeping the dough tight.Place the point side down on anungreased cookie sheet. Cover withplastic film and let rise for one hour.Bake in a preheated 400 degreeoven for 15 minutes or until golden.Serve warm to your guests.

William Penn Life, January 2007 1313131313

Magyar Matters

Scholarship recipient experiencesRoma culture during internship

Police officialadmits mistakeswere made inhandling protests

Claudia Garman was this year’s recipientof the Samuel C. Gomory MemorialScholarship, awarded by the HungarianRoom Committee of the University ofPittsburgh. The award is granted to afull-time student at the university toassist in meeting expenses of summerinternships in Hungary. What follows isMs. Garman’s account of her experiences.

by Claudia GarmanAs this year’s Hungarian Room

Committee scholarship recipient, Iwould like to thank each and everyperson who helped make this scholar-ship and my trip to Hungary possible.

I am a second-year law student atPitt, and I am specializing in interna-tional human rights law. After myfirst year of law school, I wanted to doan internship with the EuropeanRoma Rights Center (ERRC) inBudapest. The ERRC is a humanrights organization that advances therights of Roma (also known asGypsies) through strategic litigation,international advocacy and policyresearch. Since the ERRC is a non-profit organization, I did not receiveany compensation for my work andwould not have been able to internwith them without the HungarianRoom Committee scholarship.

I am originally from Berlin, Ger-many, and my knowledge of Romawas unfortunately limited to thestereotypes commonly held byEuropeans. My internship taught mehow to address and rebut theseprejudicial views. My work consistedof legal research, including the case ofa Roma torture victim in the Ukraine.

My research took me to severalRoma villages (also known as tábors),and for the first time in my life I saw aslum. The Roma in that particulartabor were living in huts made out oftrash on muddy ground without anyrunning water or electricity. In thatsame village the people showed megreat hospitality, in spite of theirpoverty.

I also traveled throughout Roma-nia to several Roma villages in

Transylvania. Oneof my mostmemorableexperiences of thesummer wasattending aPentecostalbaptism in themountains. Thepastor of the

church was one of the kings of Romain Romania. It was an amazingweekend full of singing, eating andpraying. As this Roma communitystill wore traditional outfits and headscarfs, I was given a skirt by the Romaprincess to wear during the weekend.

When I arrived in Mera, Romania, Ifelt like I was back in Hungary. Merais outside of the city of Cluj and veryclose to the Hungarian border. Themajority of the people were Hungar-ian nationals and the houses andgates in town looked like traditionalHungarian homes.

I also traveled throughout Hun-gary, although not for official re-search. Instead, I traveled to get toknow Hungary and its culture a littlebetter. So, I took trips to Pécs, Kalocsaand Eger. Each town had its owncharm.

While I enjoyed traveling aroundHungary and its neighboring coun-tries, I was always glad to come“home” to Budapest. There wassomething about the city that mademe feel very welcome and comfort-able. The people were always helpful,the food was delicious and thearchitecture was breathtaking.

My summer was fantastic and I feelvery priviledged that I had theopportunity to live in Hungary fornearly three months. What made iteven more special was that I was ableto help advance Roma rights andtravel to Roma villages to meet withRoma in their homes. This experiencehas deepened my wish to be a humanrights lawyer, and I am hoping tocontinue my work for Roma rightsafter graduation.

Köszönöm szépen!

from The Budapest SunBUDAPEST -- Hungary’s mostsenior police officer defendedthe actions of his officers inBudapest during the streetviolence in September andOctober, but admitted that, withhindsight, mistakes had oc-curred and that investigationshad uncovered evidence sup-porting some allegations ofexcessive force.

Lt. Gen. László Bene, policehigh commissioner, said theviolence--unprecedented forover half a century in Hungary--had a “cathartic” effect on thecountry’s law enforcers, whowere ready and willing to learnfrom the experience.

Speaking to the HungarianInternational Press Associationon Nov 29, he pledged wide-scale changes in terms of howthe police would deal with anyfuture violent protests.

Attention would be paid toidentifying and extracting ring-leaders of crowd violence in thefuture, and to the psychologicalpreparedness of officers, who inrecent weeks had sufferedprolonged bouts of highlystressful work, said Budapestpolice chief Péter Gergényi.

He also took a swipe at theHungarian electronic media,alleging that TV stations hadrefrained from showing scenesof violent protesters after thefirst night of troubles becausefootage from that night had beenused to identify criminalelements. Repeated showing ofrough policing, without show-ing the violence from the otherside, gave the public a slantedview of events, he said.

1414141414 William Penn Life, January 2007

We happily present moreof our newest members. Ifyou have a child or grand-child who recently joinedthe WPA, then send us hisor her photograph. We willpublish it in an upcomingissue so that all ourmembers can welcomeyour child into our WPAFraternal Family. All photoswill be published as soonas possible. MORGAN CALLA

Branch 34 Pittsburgh, PA

CARSON P. FRANCESCHIBranch 88 Rural Valley, PA

CASSIDY AND ALEXIS DAVISBranch 18 Lincoln Park, MI

SCARLET CALLABranch 34 Pittsburgh, PA

WelcomeWelcomeWelcomeWelcomeWelcome to our Fraternal Family

CONNOR CATTERSONBranch 28 Youngstown, OH

MEGAN TARBranch 18 Lincoln Park, MI

LINDSAY P. GILLBranch 296 Springdale, PA

NATHAN R. GOSTEYBranch 28 Youngstown, OH

JONATHAN D. KOROSYBranch 189 Alliance, OH

EMMA L. GOSTEYBranch 28 Youngstown, OH

William Penn Life, January 2007 1515151515

Branch News

Branch 13Trenton, NJ

by Elsie H. RadvanyIt was a beautiful day for Branch 13’sannual family Christmas party heldon Dec. 10 at the Hungarian Re-formed Church auditorium in Tren-ton. The weather was sunny andmild.

Branch President Frank J. Radvanyopened the festivities with a businessmeeting during which officers wereelected for 2007. Those elected were:Mr. Radvany, president; JosephHamari, vice president; Elsie H.Radvany, secretary; Anthony C. Beke,treasurer; and Steven F. Beke and Dr.John E. Radvany, auditors. Arlene

Branch 8Johnstown, PA

by Dorothy KedvesBranch 8 held its annual election ofofficers and family Christmas partyon Dec. 3 at the Johnstown-WindberHungarian Reformed Church.

Elected were Sandor Yuhas,president; Ernest Kedves, vice presi-dent; David S. Kozak, treasurer;Dorothy Kedves, secretary; and MaryGroshans and Elaine Engle, auditors.

The Christmas party started withdelicious food and drink and plentyof goodies. Ernest Kedves playedChristmas music.

Santa arrived to hear all thechildren’s Christmas wishes. Thechildren enjoyed the spinning fans,flying saucers and coloring booksthey received. Everyone attendingreceived wonderful gifts from theWPA.

Special thanks go to all whohelped make the party a success,especially the Home Office whichprovided financial aid and materials.

Branch 8 would like to wish allWPA members a very happy andhealthy new year.

For all your life insurance andannuity needs, please call SandorYuhas at (814) 255-1123.

Some of the 104 children who attended Branch 18’s family Christmas party.

Officers of Branch 13 for 2007 are: (front, l-r) Elsie H.Radvany, secretary; Frank J. Radvany, president; AnthonyC. Beke, treasurer; (back, l-r) Dr. John E. Radvany,auditor; Joseph Hamari, vice president; and Steven F.Beke, auditor.

Gordon, daughter ofFrank and ElsieRadvany, dulyinstalled the officers.The officers onceagain chose not toaccept any hono-rarium for thecoming year, apractice they havecontinued for manyyears.

Many membersattending the partysaid they enjoyedreading the WilliamPenn Life. One ladyfrom our branch inattendance said shewas a past winner inthe Puzzle Contest.

The family Christmas party beganwith a delicious Hungarian buffetfeaturing kolbasz, stuffed cabbage,head cheese and Hungarian pastriesprovided by Margo Beke, OlgaRadvany and Elsie Radvany. Oursincere thanks go to Anthony andMargo Beke and Elsie Radvany fortheir fine efforts in arranging andpreparing the party.

Following lunch, door prizes weredistributed. We also handed outWPA goodie bags filled with candy,cookies, nuts, fruit and items suppliedby the Home Office. Everyone alsoreceived a WPA calendar for 2007,

and each child received a monetarygift.

Our sincere thanks go to the HomeOffice for its generous subsidy for ourparty. President Radvany extendedChristmas greetings on behalf of theBoard of Directors, National Officersand National Auditing Committee toall those present.

We wish all our members a happyand healthy new year.

For servicing your life insuranceand annuity needs, please contactElsie H. Radvany, 2006 Yardley Road,Morrisville, PA, phone (215) 295-2222.

1616161616 William Penn Life, January 2007

Branch News

Branch 14Cleveland, OH

by Dawn D. WardBranch 14 sponsored another fantas-tic children's Christmas partyDec.9. About 120 children attendedalong with their families during theafternoon open house.

Everyone enjoyed a luncheonwhile Sparkles the Clown entertainedthe children painting faces andmaking various animal shapedballoons. Santa Claus (who bore astriking resemblence to Branch 14member Richard Jacob) also hadwonderful gifts for all the children.

We were very happy to haveFraternal Director Endre Csoman andNational Director Ronald Balla at theparty.

Branch 14 is proud to hold thelargest WPA children's Christmasparty in the country, and it continuesto grow every year!

Branch 14 welcomes the followingnew members: Mathayus Scarpelli,Kylor Vasquez, and Emma McCand-lish. Call the Ward Agency at (440)838-1200 with any potential newmembers and earn RecommenderBucks!

Congratulations to Richard Sarosi,secretary-treasurer of Branch 14, whowas selected as a Fraternal MVP(Most Valuable Participant) for theweek of Nov. 6, 2006, by the NationalFraternal Congress of America.Richard is also the chief elder of theFirst Hungarian Reformed Churchof Cleveland. His spirit of volunteer-ism is evident to anyone who knowshim, and he credits his inspiration tohis parents, Ernie and Violet Sarosi,and his sister, Caroline Lanzara,Branch 14 president. Branch 14 isvery proud to have an officer recog-nized with this honor.

The next Branch 14 meeting will beWednesday, March 7, at 7:30 p.m. atthe First Hungarian ReformedChurch, 14530 Alexander Road,Walton Hills, Ohio. All Branch 14members are welcome to attend.

Santa greets children attending Branch 26’s family Christmas party.

NEXT DEADLINEJANUARY 10, 2007

Branch 18Lincoln Park, MI

by Barbara A. HouseThank you to all who helped makeour annual family Christmas partyanother great success. Everyonebrought desserts to die for and prizesfor our super 50/50 raffle. First prize($300) was won by National DirectorRonald Balla from New Kensington,Pa. Second prize ($200) was won byMargaret Yesue. The Official Familybought $400 worth of tickets. Ourbranch supplied the food, magic,caroling and Santa Claus (thank you,Mark Molnar).

I need to thank our super branchofficers: Helen Molnar, CarolTruesdell, Rose Antal, Ernie Mayoros,Doug Truesdell and Tom House. Wealso put some wonderful members towork: Emma Poliska, Kay Momtsios,Irene Korpak, Joanne Mayoros andRachel Chamberlin. Thanks to BeataCsaszar and Emma and Rocky Borsafor shopping all year. We had prizetables that circled most of the hall atthe American Hungarian ReformedChurch. Thank you to the WPA HomeOffice for the kids’ prizes and adulthand outs. We again had a veryhappy bunch of members. Thank youeveryone for all your help.

Our deepest sympathy is sent toChairman of the Board Steve Vargaand his wife Donna on the death ofhis mother Anna. She fought a valiantfight. May she rest in peace with ourLord. Our sympathies also are sent tothe families of members Louis Takacs

and Louis Wiederman. Please prayfor these families during this difficulttime.

Many thanks to Liz Piwowarski,my Recommender of the Year. Thanksto Liz, we have many new members.Welcome Maria Pistin, Ethel Weidig,Marge Swek, Megan Tar, Cassidy andAlexis Davis and Ashley Russell. Lizalso added another certificate to herportfolio. I also wrote my wonderfulniece, Pamela George, a certificate.Welcome, sweetheart. Thank you allfor becoming WPA members.

Congratulations to GeorgeSchvarckopf on his retirement. Heand his wife Doris have been waitingfor this time in their lives for quite awhile. I hope you have many moreenjoyable years to spend with us onall our branch trips. See you at theparty.

Get well wishes to all our membersand to Walter Sabo, Ann Nagy, RockyBorsa, Bill Sorke and Frank Zito. Youare all special people.

Happy January birthday to all ourmembers, especially Lydia Kadi,Olivia Soter, Andy Dichazi, MarySabo, Steve Boroznaki, Jaden Antal,Joe Penzes, Steve Orsargos, Julia Alex,Marianne Orsargos, Frank Rizsak,Zachary Haas, Veronica Giss, Chris-tina Marchelletta, Ernie Mayoros,Nancy Boike, Adela Pistin, JuliaBubenko, Michael Gibson, AmyPolakowski, Steve Koman, HelenMolnar, Marilyn Kadi, Dan Nagy andMarge Szalai. Wishing you manymore happy and healthy years.

Due to my mother’s surgery, Ibelieve I will be home in Michigan

Officers of Branch 28 for 2007 are: (front, l-r)Mary Schauer and Maria Goda, auditors; (back,l-r) Frank Schauer, vice president; Kathy Novak,secretary-treasurer; and Steve Novak, president.

Children and officers of Branch 28 share a moment at the branch Chirstmas party.

1717171717William Penn Life, January 2007

Branch News

Branch 28Youngstown, OH

by Kathy NovakWishing everyone a healthy, happyand prosperous new year.

A big thank you to the Home Officefor allowing Branch 28 to hostanother successful and enjoyableChristmas party.

Those in attendance were enter-tained by the Aut Mori Clowns, asupport group which provides fundsfor handicapped children in need offinancial assistance.

Andrew Check II provided back-ground music for the afternoon byplaying the cimbalom. A sing-alongwas held with Evie Byers leading thegroup. After everyone enjoyed theabundant buffet, the man of the hour,Santa (John Tollas Sr.) arrived to visitwith each child and distribute themoney envelopes and bags filled withgifts provided by the Home Office.Assisting Santa were Branch Presi-dent Steve Novak and Branch AuditorMary Schauer. Santa also assisted inthe raffles held. Fourteen children’sgifts were awarded and 28 doorprizes were given out as consolationprizes to the split-the-pot raffle.

In conjunction with our branchparty, the scholarship/holiday rafflewas held. Winners were:

- First prize, Mary Foor, $100;- Second prize, Landon Palotsee, a

Hungarian doll donated by NationalDirector Michael Tomcsak;

- Third prize, Cyndi Wofton, $50;- Fourth prize, Maria Goda, $20.

Five other prizes were awarded aswell.

We thank everyone who supportedthis fund-raising event.

A big thank you to everyone whohelped to make the day a success.

Following the party the election ofbranch officers for 2007 took place.Elected were: Steve Novak, president;Frank Schauer, vice president; KathyNovak, secretary-treasurer; and MarySchauer and Maria Goda, auditors.

The holidays always find familiesgathering together. This year theSchauer family had special guests forseveral months while they await thebuilding of their new home in Florida.

this winter. Please feel free to call meat my cell number. It is with me mostof the time. That way I am alwaysavailable. My number is (313) 418-5572.

The WPA’s Field Committee hasextended the Guaranteed IssueProgram for a couple more months. Itis really a super opportunity to add toyour existing coverage or to join usand become members of the WPA. Ihope to hear from you soon.

Remember to donate to our Schol-arship Foundation. We awardednearly 200 scholarships to ourmembers this past year. You can alsoremember the Foundation in yourwill. It is also a wonderful way to saythank you from those who havealready received a scholarship and

are now out in the world. Wishing you and yourfamily a happy, healthyand prosperous 2007. Think spring. Thiswinter has started offreally cold here in Michi-gan. Stay warm andhealthy.

Branch 26Sharon, PA

by Gerry DavenportOn Dec. 2, Branch 26 heldits family Christmas partyat Neatfeat Roller SkatingRink in Grove City, Pa. Itwas surprising to see somany adults put on roller

skates and “dance to the music” rightalong with the kids.

A pizza party--complete withChristmas cookies, delicious brown-ies and other homemade desserts--was enjoyed by all. The evening wascomplete when Jolly Ole St. Nick (R.J.Robison) made his appearance. Hewas the highlight of the evening. Thechildren, as well as the adults, sat onSanta’s lap and told him what theywanted to receive on Christmas Day.

After pictures were taken onSanta’s lap, the children receivedChristmas gifts donated by the HomeOffice and special gifts complimentsof Branch 26.

Branch 26 would like to wisheveryone a happy and healthy newyear.

Santa Claus welcomes children to the Branch 51family Christmas party.

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Branch News

William Penn Life, January 2007

Enjoying the Ohio winter weather areLiz, Rachel and Jerry Schauer.

Best wishes to all those celebratingbirthdays or anniversaries recently,especially Robert and Evelyn Horvathwho were honored at a surprise partyto mark their 50th wedding anniver-sary.

Get well wishes to those under theweather, especially Joan Nagy, FrankTobias and Irene Devlin.

We also express our sinceresympathy to all those who haverecently lost a loved one, especially toChairman of the Board Steve Vargaand his family on the loss of hismother. May she rest in peace.

For your life insurance and annu-ity needs, please call Kathy Novak at(330) 746-7704 or Alan Szabo at (330)482-9994.

Branch 51 officers for 2007 are (l-r) Marian Rubin,treasurer; Ernest J. Mozer Jr., president; ChristineBaldyga, secretary; and Maria Mozer, auditor.

Branch 51Passaic, NJ

by Martha BarilloToday is Dec. 10; 15 more days untilChristmas. By the time you read this,the holidays will be over, but we hopeyou all had a wonderful Christmasand we wish you a happy andhealthy new year.

Holidays bring out the best in all ofus. We try to clean the house insideand out, and we run around shop-ping our heads off (and returninggifts after Christmas).

Today, for me, was special becausemy 13-year-old granddaughter and Ispent three hours baking cookies,decorating them and eating the burntones (and some that weren’t so burnt).This tradition started when hermother was a girl scout. This is calledquality time for grandmothers. Youwonder about the other grandchil-dren. They are also very special and Ihope to spend some quality time withthem during the holiday season.

This holiday is also special for mebecause I have a cousin visiting fromSlovakia. When I was a child, I leftEurope on Dec. 28. I spent my last sixmonths before leaving with thatcousin. I will never forget that Christ-mas. It was magical in every way.

More happy times: we attended theProtestant Ball on Nov. 10 at the

Holiday Inn in Carteret,N.J. Aside from the mostawful traffic on a Fridaynight, we had a won-derful time. Maybe be-cause it was a newplace, and the peopleat our table--the Bekesand the Radvanys. Thedebutantes were lovely,the music heavenly andthe food very good. Agood night was had byall.

The branch familyChristmas party washeld on Dec. 3 at theAmerican-HungarianClub in Garfield, N.J.Mr. Meatball enter-tained the children,parents and grandpar-ents. Many of thechildren participated inthe show. Christmascarols were sung andSanta Claus arrived.Santa spoke with eachchild and gave them amonetary gift. Thechildren really enjoyedthe spinning light toyprovided by the Home Office. Refresh-ments were served and the afternoonwas enjoyed by all. Thanks to theWPA Board of Directors and theHome Office for their assistance inmaking the party a success.

Before the party, Branch 51 held itsannual election of officers for 2007.Reelected were: Ernest J. Mozer Jr.,president; Marian Rubin, treasurer;Christine Baldyga, secretary; andMaria Mozer, auditor.

We wish everyone a happy andhealthy new year.

(Christine Baldyga also contributed tothis article.)

Branch 76Philadelphia, PA

by Jack TokarHello, hello you beautiful people ofthe WPA everywhere.

We wish you a very happy,healthy, and prosperous new year.

The Christmas party for Branch 76

was held on Dec. 17, in conjunctionwith the celebration of the members ofthe Philadelphia Hungarian Club.Since the club’s building was sold,their usual party was held at adifferent location: the Duna-DanubeSwabian Association Club, at 1277Southampton Road, Philadelphia.This new location is about two blockseast of where the PhiladelphiaHungarian Club was located onSouthampton Road. It was a veryjoyful occasion. The children had lotsof fun with the gifts they receivedfrom the William Penn Santa.

The annual election of officers forour branch took place, with nochange in officers. They remain: JackTokar, president and coordinator;Stephen Pokorny, vice president; BetteLewis Tokar, secretary-treasurer; andJames Pokorny and Stephen Pokorny,auditors.

We would very much like to seesome of our younger members beginto be more active in the Association.

Children of Branch 296 Springdale, Pa., meet Santa at the branch Christmas party.

1919191919William Penn Life, January 2007

Branch 296Springdale, PA

by Diane M. TormaBranch 296 held its election of officerson Dec. 14. The following memberswere re-elected to serve our branch forthe year 2007: Ron Balla, president;John Rusak, vice president; Diane M.Torma, secretary-treasurer; andRonda Grotefend and MargaretKosheba, auditors. Patty Ballainstalled the officers and auditors.

The annual branch Christmasparty was held at the SpringdaleVeterans Association on Dec. 10. Thenew location was beautiful and wellreceived by many in attendance.Magician Jason Christopher enter-tained the children and adults alikewith his mesmerizing performance.He included several of the young (andnot so young) members in his show,including a girl, who he amazinglymade “fly” in mid-air! This wasfollowed by a chorus of “Jingle Bells,”which prompted the eagerly awaitedarrival of Santa Claus. The childrentook turns sitting on Santa’s lap to tellhim their Christmas wishes. Gift bagsfull of treats from the Home Office andthe branch were then distributed toeach child by President Balla.

The afternoon concluded with adelicious buffet lunch and Christmascookies. Much thanks to the HomeOffice and Board of Directors for thefinancial assistance and promotionalitems. Also, President Balla wishes tothank the branch officers, membersand friends who gave their time andeffort to make this year’s party

Branch News

Some of us are not as young as weused to be!

It was a pleasure talking on thephone to Al Vargo about his relativesin my area of Hungary/Slovakia. Wealso enjoyed the card and messagefrom Anthony and Marguerite Beke.

As usual, our monthly meeting ison the fourth Friday of the month at8:30 p.m. From now on our meetingswill be held at the Duna-DanubeSwabian Association Club, at 1277Southampton Road, Philadelphia, PA19116. All members or prospectivemembers are welcome.

The Philadelphia Hungarian Clubhad their annual Christmas Bazaaron Dec. 9. The weather cooperated; itwas cold but clear and sunny. Alongwith other treats, the ladies madetheir usual excellent pastries. Therewas also the usual New Year’s EveParty on Dec. 31.

Happy birthday and/or anniver-sary to all those who have celebratedrecently or who will celebrate in thecoming month. A birthday is awonderful time to take stock of yourlife and plan for the future. Remem-ber, we are all getting older every day.The important thing is to make themost of each day and each opportu-nity that we are given.

Don’t hesitate to call Jack Tokar forinformation about life insurance andannuities. It is a wonderful gift to giveyourself or your family, offering thesatisfying warmth of a secure future.Call (215) 357-4516.

Next DeadlineJanuary 10, 2007

successful, including: Patty Balla,George and Irene Charles, Boris andHelen Gosciejew, Noreen Fritz andher son Frank, Ronda Grotefend,Marge and Antoinette Kosheba,Leanne and John Lovasz, Diane andTony Thomas, and John and DianeTorma. Thanks also to everyone whobrought cookies and desserts.

Get well wishes to our good friendIrene Charles, who recently under-went surgery. Our thoughts andprayers are with you as you recuper-ate. We all missed you and George atthe party.

We hold our monthly meetings onthe second Thursday of each month at7:30 p.m. There will be no meetings inJanuary and February.

Call Noreen Fritz at (412) 821-1837for your life insurance and annuityneeds. If you have branch news toshare, call me at (724) 339-2445.

Happy New Year to all!

Branch 590Cape Coral, FL

by Joan MauermanI hope you all enjoyed a blessed andhappy Christmas and New Year.

As I was writing this, I waspreparing to travel to Crawford,Texas, to spend Christmas with myson Danny and his family.

Our heartfelt condolences areextended to the families of LaszloPingiczer, Bob Menner, John Mrazand Anna Varga on the recent loss oftheir loved ones. May they rest inpeace.

Happy birthday to Julia Nagy,Irene Slauterbeck, Eugene and HelenToth, Caitlyn Damon, Carrie Damon,Audrey MacEgan, Caroline Hughes,Joanie Mauerman and Aaron Hopper.

Wedding anniversary greetings toDebbie and Tim Meehan.

On Dec. 10, I attended a dinner andplay at the Plant City Magyar Club.The club meets on the second Sundayof the month. At the Decembermeeting, there were about 15 WPAmembers in attendance.

For all your life insurance andannuity needs, please call MikeTomcsak at (863)858-8071. Ask himabout the Guaranteed Issue Program.

William Penn Life, January 20072020202020

Branch News

In MemoriamWe ask you to pray forthe eternal rest of allour recently departedmembers listed below:

NOVEMBER 20060001 BRIDGEPORT, CT

Anna FiloCarmel GrimaldiAlexander LenartJulia Miclette

0008 JOHNSTOWN, PAJean S. GeorgeDolores L. GuadyPatricia A. LasherArthur J. Sherry

0014 CLEVELAND, OHLouis S. MadarB. William Simon

0015 CHICAGO, ILJulius L. Sabo

0016 PERTH AMBOY, NJJoseph B. BigJoseph C. Erdely

Margaret KoleszarIrene Mihely

0059 WINDBER, PAJohn M. Berish

0071 DUQUESNE, PADorothy R. Rizzo

0089 HOMESTEAD, PAAntoinette FurtivoElizabeth GribRichard J. Hoffman

0132 SOUTH BEND, INJames S. DentonStephen Doroghazi

0174 SCRANTON, PAAlbert NemethJoseph S. PenkalaJohn J. Thornton

0226 McKEESPORT, PAMary BarnesRobert Shelby

0296 SPRINGDALE, PAJoseph J. Kozlowski

0336 HARRISBURG, PAMary S. Rados

Charlotte FoldhazyIrma Takacs

0018 LINCOLN PARK, MILouis TakacsLouis Wiederman

0019 NEW BRUNSWICK, NJJulia Puskas

0025 BECKLEY, WVSteve Hajash, Jr.

0026 SHARON, PAThomas G. NiesDorothy Toth

0028 YOUNGSTOWN, OHJoseph Kovach

0034 PITTSBURGH, PAKarl H. Antesberger

0040 MARTINS FERRY, OHMary M. Nagy

0044 AKRON, OHNancy A. Thomas

0048 NEW YORK, NYEleanor G. CohenCarol Grehm

0051 PASSAIC, NJElizabeth E. Eperjesi

Clarence Schlauderaff0352 CORAOPOLIS, PA

Margaret D. Pavicic0590 CAPE CORAL, FL

John E. Mraz0705 MAYVILLE, WI

Marie S. Hahn0720 DEDHAM, MA

Madelyn C. LangioneGeorge L. Perry

0723 WORCESTER, MAAnne M. HughesYvette J. LeblancEvelyn C. Leger

0725 SPRINGFIELD, MANellie S. PultorakWalter H. Pultorak

0800 ALTOONA, PAAlma M. BaronnerWilliam H. CoxCharles R. Diehl

8014 PITTSBURGH, PAJoseph F. Churilla

8036 SCOTTDALE, PARosemarie J. Kubic

Branch 800Altoona, PA

by Vincent FrankAll present Branch 800 officers werereelected to serve another one-yearterm for 2007. They are: VincentFrank, president; Daniel Greiner, vicepresident; George Dorman, secretary;Robert Jones, treasurer; and MelvinFrank, Robert Aiken and DavidGreiner, auditors. Those who wereunable to attend the election meetingare invited to bring suggestions to anyof the monthly meetings and they willbe welcomed.

Our branch’s memorial Mass washeld in November. We thank you fortaking the time to attend and remem-ber our branch’s deceased brotherand sister members. Many thanks forbringing food for the needy. BranchSecretary Dorman did a fine job whileserving as cantor/lector.

We are always on the lookout fornews from our branch members.Don’t let anything pass by unnoticedwhen you know you or one of yourfamily members deserve to be recog-nized for what you or they haveaccomplished. We will share yournews with others through these

pages. Call me at (814) 695-0213.As we begin the new year, we

congratulate all of you who will becelebrating birthdays or anniversariesin the days ahead. These are specialdays. Enjoy them.

Are you ready to purchase frater-nal life insurance or annuities for youor members of your family? Thenplease be sure to see what the WPAhas to offer before making anydecisions. Call Bob Jones in Altoonaat (814) 942-2661 to learn more aboutwhat the WPA has to offer you.

by Noreen FritzOn behalf of the William PennAssociation I want to thank branchofficers Art Aaron, Bob Donahue,John Slike and everyone who workedon the annual branch Christmasparty. Thank you for the excellent jobin the arranging, preparation andhosting of this most enjoyableevening.

Joining all the members in a familystyle dinner was simply wonderfuland the hospitality was greatlyappreciated. In addition, the

Branch 8114Clarion, PA

children’s choir sang beautifully andwas very entertaining. The eveningwas topped off with a visit fromSanta.

January birthday greeting go out to:Nola Aaron, Amy Beckwith, JohnBaum, Eugene Carroll, Jim Delaney,Deborah Donahue, Robert Kerr,Cletus Schill, Jr., Rev Paul Schill, PeterSchill, Cyril Schmader, James Kerle,Matthew Delaney, Susan Jones, TerryPierucci, Patricia Schill, Joseph Smith,William Rice, Kristine Fink, RonaldHanold, Emily Rice, Rebekah Hurst,Marian Hargenrader, Anna Cherico,Donna Lebda, and Diane Rhoads.Happy Birthday to these greatmembers!

Wishing you a new year filled withpeace, love, happiness and fun!

For any information on life insur-ance, IRA’s, annuities, IRA transfersor pension rollovers, you may call meanytime at my direct business line(412) 821-1837 or write to me at P.O.Box 15060, Pittsburgh, PA 15237-0060, or send me an e-mail atnoreenbunny.fritz@verizon.net.

Branch meetings are held on thethird Tuesday of each month in themeeting room of the ImmaculateConception Church. We hope youwill be able to join us.

William Penn Life,,,,, January 2007

* Early surrender charges may apply tothe 5 and 9 Year Surrender Charge Plans.

Annuity rates may change without notice. Allannuities may be subject to IRS penalties for early

withdrawals. Early withdrawals of 10% of accumulatedaccount values are not subject to early surrender charges.

CurrentCurrentCurrentCurrentCurrent Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Interest Interest Interest Interest Interest Account Account Account Account Account Account Account Account Account Account

Annuity PlanAnnuity PlanAnnuity PlanAnnuity PlanAnnuity Plan RatesRatesRatesRatesRates after 5 yrs.after 5 yrs.after 5 yrs.after 5 yrs.after 5 yrs. after 9 yrs.after 9 yrs.after 9 yrs.after 9 yrs.after 9 yrs.No Surrender ChargeNo Surrender ChargeNo Surrender ChargeNo Surrender ChargeNo Surrender Charge 4.00% 4.00% 4.00% 4.00% 4.00% $$$$$12,16712,16712,16712,16712,167 $$$$$14,23314,23314,23314,23314,2335 Y5 Y5 Y5 Y5 Year Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75% $$$$$12,61212,61212,61212,61212,612 $$$$$15,18415,18415,18415,18415,1849 Y9 Y9 Y9 Y9 Year Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%

$$$$$12,91512,91512,91512,91512,915 $$$$$15,84915,84915,84915,84915,849

CurrentCurrentCurrentCurrentCurrent Projected Projected Projected Projected Projected Projected Projected Projected Projected Projected Interest Interest Interest Interest Interest Account Account Account Account Account Account Account Account Account Account

Annuity PlanAnnuity PlanAnnuity PlanAnnuity PlanAnnuity Plan RatesRatesRatesRatesRates after 5 yrs.after 5 yrs.after 5 yrs.after 5 yrs.after 5 yrs. after 9 yrs.after 9 yrs.after 9 yrs.after 9 yrs.after 9 yrs.No Surrender ChargeNo Surrender ChargeNo Surrender ChargeNo Surrender ChargeNo Surrender Charge 4.00% 4.00% 4.00% 4.00% 4.00% $$$$$12,16712,16712,16712,16712,167 $$$$$14,23314,23314,23314,23314,2335 Y5 Y5 Y5 Y5 Year Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75%ear Surrender Charge 4.75% $$$$$12,61212,61212,61212,61212,612 $$$$$15,18415,18415,18415,18415,1849 Y9 Y9 Y9 Y9 Year Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%ear Surrender Charge 5.25%

$$$$$12,91512,91512,91512,91512,915 $$$$$15,84915,84915,84915,84915,849

Call our Home OfficeCall our Home OfficeCall our Home OfficeCall our Home OfficeCall our Home OfficeTODATODATODATODATODAY toll-free atY toll-free atY toll-free atY toll-free atY toll-free at1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or yourlocal WPlocal WPlocal WPlocal WPlocal WPA sales representative,A sales representative,A sales representative,A sales representative,A sales representative,to discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingyour money into a WPyour money into a WPyour money into a WPyour money into a WPyour money into a WPA 5 or 9 YA 5 or 9 YA 5 or 9 YA 5 or 9 YA 5 or 9 YearearearearearSurrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.

Call our Home OfficeCall our Home OfficeCall our Home OfficeCall our Home OfficeCall our Home OfficeTODATODATODATODATODAY toll-free atY toll-free atY toll-free atY toll-free atY toll-free at1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or your1-800-848-7366, or yourlocal WPlocal WPlocal WPlocal WPlocal WPA sales representative,A sales representative,A sales representative,A sales representative,A sales representative,to discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingto discuss the advantages of movingyour money into a WPyour money into a WPyour money into a WPyour money into a WPyour money into a WPA 5 or 9 YA 5 or 9 YA 5 or 9 YA 5 or 9 YA 5 or 9 YearearearearearSurrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.Surrender Charge Annuity Plan.

Compare your earnings on a single deposit of $10,000:Compare your earnings on a single deposit of $10,000:Compare your earnings on a single deposit of $10,000:Compare your earnings on a single deposit of $10,000:Compare your earnings on a single deposit of $10,000:

Step up to our highestStep up to our highestStep up to our highestStep up to our highestStep up to our highestinterest rate = interest rate = interest rate = interest rate = interest rate = 5.255.255.255.255.25%%%%%

Inside this issue:General Convention highlights

2007 events…PAGE 3.

Can acupuncture provide the curefor what ails you?…PAGE 6.

Sweet yeast breads…PAGE 10.

PRSRT STDUS POSTAGE

PAIDPERMIT #12INDIANA, PA

Your Name: Branch No.:

Address:

Phone: WPA Representative/Agent:

Name of Prospective Applicant:

Address:

Phone:

Mail to: Recommender, William Penn Association, 709 Brighton Road, Pittsburgh, PA 15233

WPA RECOMMENDERPlease Print

ReferralFees

$10 to $12

ReferralFees

$10 to $12William Penn AssociationWilliam Penn AssociationWilliam Penn AssociationWilliam Penn AssociationWilliam Penn Association

Recommender ProgramRecommender ProgramRecommender ProgramRecommender ProgramRecommender ProgramAdult members age 16 and older can earn cash rewards when

they refer new members to the WPA. The WPA will pay adultmembers $12.00 for each applicant they recommend who is issued aWPA permanent life insurance plan. The WPA will also pay adultmembers $10.00 for each applicant they recommend who is issued a

WPA term life insurance plan. To claim your reward, send us thenames and addresses of everyone you know who would enjoy the

many fraternal benefits that come with membership in the WPA.PLEASE NOTE: Recommender awards do NOT apply to our

Guaranteed Issue Plan.*Family of sales agents living at the same address as the

agent do not qualify for a Recommender Award.