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withdrawn funds; or (4) if the Account is an IRA or a Keogh Plan established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