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Manhattan School of Music (MSM) is a renowned private music conservatory located in New York City, founded in 1917-1918 by pianist and philanthropist Janet D. Schenck. Originally established as the Neighborhood Music School in East Harlem, MSM has built a strong reputation for excellence in music education, influenced by notable artists like Pablo Casals and Harold Bauer. The school offers a range of academic programs, including Bachelor of Music, Master of Music, and Doctor of Musical Arts degrees. MSM specializes in classical and jazz performance, composition, conducting, and music education, and features a prominent opera program. Its campus in Morningside Heights includes instructional spaces, performance venues, and a residence hall, with facilities like the Hubbard Recital Hall, which houses a distinguished Aeolian-Skinner organ. MSM attracts a diverse student body of aspiring professional musicians from around the world, providing rigorous training and numerous performance opportunities. The institution is dedicated to fostering professional musicianship in both classical and jazz traditions.
Market USA, a full-service financial institution, was originally chartered in 1953 to serve Giant Food employees in the Mid-Atlantic region. Throughout the years our membership has grown to include additional grocery store chains such as Giant of Carlisle, Stop and Shop, and BI-LO, as well as over 80 select employer groups. As a member-owned, not-for-profit cooperative, we exist solely to bring our membership innovative products and services with low loan rates, competitive dividend rates, and low or no fees. Benefits of membership include free checking, a variety of loan and deposit products, mobile services, financial education and counseling, access to thousands of surcharge-free ATMs, discounts on insurance products, and much more. Our top priority is our members financial success. Members are our shareholders and each member has one vote. In addition, we are governed by a volunteer board of directors who look out for the best interest of members, not stockholders.