Central Missouri Community Credit Union

Effective Date: June 30, 2010

Account Type	Dividends Dividend Rate/Annual Percentage Yield
IRA Share Account	0.25% / 025%
Kirby Kangaroo	0.25% / 025%
Organization Business	0.25% / 025%
Regular Share Account	0.25% / 025%
Trust Share Account	0.25% / 025%
Vacation Club	0.25% / 025%

Effective Date: September 30, 2009

Account Type	Dividends Dividend Rate/Annual Percentage Yield
Christmas Club	0.50% / 0.50%

Effective Date: June 1, 2010

Money Market
Tier	Rate	APY
1st Tier	0.50%	0.50%	$0.00 to $2500.00
2nd Tier	0.75%	0.75%	$2500.01 to $10,000.00
3rd Tier	0.85%	0.85%	$10,000.01 to $25,000.00
4th Tier	1.00%	1.01%	$25,000.01 to $50,000.00
5th Tier	1.15%	1.16%	$50,000.01 and over
If average daily balance falls below $2500.00 a $10.00 monthly fee will be assessed. No more than six (6) preauthorized, automatic, or telephone transfers may be made from these accounts to another of yours or to a third party in any month. No more than three (3) of these six (6) transfers may be made by check, draft to a third party.

Dividends on all share/savings accounts except for the Christmas Club account are based on the average daily balance and are compounded and credited quarterly, with a dividend period of a calendar quarter. The Christmas Club dividend is compounded and credited annually, with a dividend period from October 1 to September 30. The only accounts requiring a minimum opening deposit are the Regular Share Account ($1.00) and the Kirby Kangaroo Account ($1.00). Regular, Trust and Special Share accounts require a minimum balance of $50.00 to earn the stated annual percentage rate. Kirby Kangaroo accounts require a $1.00 minimum. Some limitations on transfers and withdrawals, as well as other details, apply to the various share accounts listed above. This information may be found in the Truth-in-Savings account disclosures available at your local CMCCU branch.