Bank of Whittier

**Please note that additional other documents may be deemed necessary as decided by Bank of Whittier Credit Department after reviewing the application.

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withdrawn funds; or (4) if the Account is an IRA or a Keogh Plan established pursuant to 26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.