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Exceptions. We may let you withdraw money from your Account before the Maturity Date
without an early withdraw penalty: (1) when one or more of you dies or is determined legally
incompetent by a court or other administrative body of competent jurisdiction; or (2) when
the Account is an Individual Retirement Account (IRA) established in accordance with 26
USC 408 and the money is paid within seven (7) days after the Account is opened; or (3)
when the Account is a Keogh Plan (Keogh), if you forfeit at least the income earned on the
withdrawn funds; or (4) if the Account is an IRA or a Keogh Plan established pursuant to 26
USC 408 or 26 USC 401, when you reach age 59 1/2 or become disabled; of (5) within an
applicable grace period of 10 days after the Maturity Date.