Pine Bluff daily graphic., 1918-10-31
MILLION BOYS ! AND GIRLS TO
 JOIN FORCES
Protestants, Catholics and Jews Enlisting in "Earn
 and Give" Campaign.

a million girls in the Earn and Give feature of the United War Work Campaign which will be launched November II, to raise at least $170,500,000 for the seven wei fare organization serving the sol Giers and sailors in this country and overseas.
 It is expected that the six states comprising the Southern military de. 3artment, Texas, Oklahoma, Arkan- sas Louisiana, New Mexico and Ari zona, will recruit 100000 boys and 11Q,000 girls of the million to be en- listed in the Victory Boys" and Victory Girls" movement
 The plan of getting the boys and girls to back up the fighting mon of this nation with the money they are able to earn has received the hearty endorsement of Dr. John R. Mott, the director general of the United War Work Campagn; Bishop P J. Muldoon, the head Of the Ma tioIal Catholic War Council, ana Jacob H. Schiff, the head of tne Jewish Welfare Board.
 'I am rejoicced to know of the Victory Boys and Girls plan to en- list 100000 boys and 100000 girls cl this country to earn and give to- Wards the great United War Work Campaign" said Dr. Mott.
 "In ths effort to secure a fund of over $170,500,O00 for helping the sol diers and sailors, it is a splendid idea to have the American boys an;l sirIs line up with tho men and wo. men of the country.
 By their work, their gifts and their sacrifice, these 1000 ,0o0,Ou0 oI multitudes of others. They will be having most practical and vital part in the winning of the Wa. They will be bringing comfort and cheer to cur millions of soldiers aad sail CTS. They will be identifying them- selves with the great purpose of Cur nation and the allies"
 "ln all the coming years of their lives these million boys behind a these days with sincere gratitude. In these greatest days in the life of cur generation, it is great thing fer the boys, who are the leaders If to- morrow, to be in the heart cf this wonderful enterprise"
 Bishop Muldoon, after saying that q toy or girl by enlistiEy in tnc "Earn and Give" movement can thus have a personal par: in the great inc satisfaction O. encumbranees upoA such lands. which, in the Judgment o1 said board. were incurred or assumed by said applicant for the aforesaid purposes.
 Sec. 6. Every applicant for a farm, loan shall state clearly in his applica- tion the purposes for which such loan is desired, and upon its approval by statement ed part of the note or contract under which the loan is granted But no failure to apply such funds to the purposes stated in such application or enumerated herein shall invalidate a loan when once made. nor shall any thing herein contained be deemed to prevent any farm owner from selllnS or leasing lands subject to such in cumbrance: but if he shall violate his said contract by applying the moneys borrowed to purposes other than those stated in his application or enumerated herein. or if he shall lease such land: ing the conditions and purposes pro- vided for herein, said board is author ized and directed to require the repay ment of said loan upon six months no. contain a clause providing therefor.
 Sec. '. Such loans shall be repaid with interest accruing in annual in- sta1lments on the amortization plan
 
 sums as will cover the interest rate and will liquidate the debt in a periof to be agreed on between said board and the applicant, said period to h' six years: but any debtor may licui- date any part or all of his indebtedness in amounts of $5O.00 or multiples there of upon any amortization payment date.
 Sec. 8. The rate of interest on loans shall be five per cent per annum: pro vided, that no Farm Credit Bonds shal be sold for less than par; and pro- vided further that the board shall re. quire each applicant to pay an initfA charge of 1 per cent of the loan grant. ed, the minimum charge to be $10.O0 to cover the cost of appraisal and ex- animation of title.
 Sec. 9. All surplus funds accruins from the operation of the system Of rural credits herein provided for. after paying interest accruing on the afore- said bonds. and all operating and other expenses arising from the administra- ton of said system of rural credits. shall be placed in the State Treasury and become a part of fund to pc known as the "Arkansas Rural Great Credits Reserve Fund shall be loaned on farm lands in the manner herein provided for the Arkansas Rural Credit Loan Fund. and the interest ac- cruing from loans ss made irons. from sa'd r,nd nri
  shall be added to it and become . part of 1t. The said Arkansas Rural Credits Reserve Fund shall be irreducible. ex- cept that 1t may be drawn upon to re- imburse the State for loss incurred in the administration of said system Of rural credits. Sec. 10. The, Legislative Assembly shall provide in such detail as it shall deem advisable for the carrying out and administering of the provisions or this amendment and shall provide ad. equate safeguards against the use Of such loans as an aid to the purchas- ing and holding of lands for the pur- poses of speculation. Such safeguards terms "operate" and occupy" used herein. In the absence of such legts- lation, and subject to the same after its enactment, the State Land Board tenn of rural credits under rules and regulations provided by Itself. but sup ject to the provisions herein contained. Sec. II. The provisions of the Con stitution of Arkansas in conhict with .his amendment are hereby repealed. in 90 far only as they conflict herewith: shall be f-executing. and shall take effect and be in operation 60 days of-