Sign Up Now..
one of its own.
rtServe Michigan, produc-
ers of Michigan's longest-
running and largest state-
wide awards gala recognizing lead-
ers in the arts, will spotlight Barbara
Kratchman of Bloomfield Hills as
the Arts Advocate Award recipient.
Kratchman will be honored at the
23rd annual Governor's Awards for
Arts & Culture (the
Guvvys) on Nov.
13 at the Detroit
Institute of Arts.
The award is
year to an individ-
ual who dedicates
his or her time,
ance toward advocating the arts
and culture in Michigan through
exceptional leadership, promotional,
volunteer, administrative, legislative
or professional efforts.
Kratchman served as founding
president of ArtServe Michigan from
1997 to 2007. She was instrumen-
tal in guiding the merger of Arts
Foundation of Michigan, Business
Volunteers for the Arts, Concerned
Citizens for the Arts in Michigan
and the Michigan Alliance for Arts
Education that founded ArtServe
Michigan in 1997.
In her role as president, she also
provided significant leadership in
the more recent merger of ArtServe
Michigan and the Michigan
Association of Community Arts
Agencies, which formed the new
ArtServe in October 2006, strength-
ening the role of ArtServe Michigan
to advocate for arts, culture and
creativity in Michigan and its com-
Kratchman served as executive
director of the Michigan Council for
the Arts and Cultural Affairs from
1985-1991, following several years
in the Michigan Department of
Under Kratchman's leadership,
ArtServe started the GrassRoots
Arts Advocacy Network Distribution
(GRAAND) in 2002. GRAAND
is designed to keep supporters
informed and updated about arts
related issues and significant legisla-
tion and budgetary events in both
Lansing and Washington, D.C. 1
„with Nationwide ATM Fee Refunds
iEarn is what you'll say about this account.
Just four easy qualifications for a high interest
rate paid on balances of $.01 to $25,000,
and you will receive refunds for
ATM surcharge fees nationwide.
Set up direct deposit into your account.
2 Access MHB Online Banking.
3 Enroll and receive electronic statements (e-Statements).
4 Make 10 Check Card purchases per month.
Qualifications must be met each monthly cycle to receive these money-saving
and money-earning benefits. Signing up for this checking account is hassle-free.
Just visit www.MHBchecking.com and fill out our online application and you will
never need to visit one of our branch offices. Or you can sign up at one of our
A CD that earns
3 75 %
Open art MHB Certificate of Deposit for 12 months and we'll guarantee that you
earn 3.75% annual percentage yield for the full term of your CD. Why would we
make this great offer when so many other banks are cutting back on interest they
pay on deposits? That's the way we look after our customers. It's personal.
AVI : El
We take your business personally.
Farmington Hills • Novi • Troy • Wixom
* ALL DEPOSITS FDIC INSURED TO THE FULL AMOUNT ALLOWED BY LAW. 1.01% Annual Percentage Yield paid on all balances above $25,000 each cycle the minimum qualifications
are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.15% APY; however, it will not receive ATM fee refunds for that
time period. We may change the interest rate and APY at any time after the account is opened. No minimum balance required; however, you must deposit $25 to open this account. Available to personal
accounts only. No monthly service charge. Patent Pending, BancVue, Ltd., Michigan Heritage Bank. **Minimum balance for opening a Certificate of Deposit is $500. There is a substantial penalty for
early withdrawal. Any fees would reduce the annual percentage yield. Rates effective as of November 20, 2008. Michigan Heritage Bank.
November 20 2008