Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid penalties for early retirement withdrawals [title] Check if your plan allows loans. [step] The law allows employer-sponsored retirement plans to extend loans, but it is up to the plan whether or not it wants to allow loans. Accordingly, you should check to see if your plan allows loans to be made.

Ending1: [substeps] Note which states have passed laws relating to the use of a 401 (k), which dictate for instance that loans must not be made in an active unemployment day program. [title] Establish a retirement plan that becomes available immediately. Ending2: If the plan administrator agrees to give you a loan, then you can take it without the 10% penalty. [substeps] Some plans might allow you to take a loan but limit what you can spend the money on. Ending3: [substeps] If your plan doesn't allow loans, then you shouldn't take it. However, if you do have to take a loan, then sign a warning notice in the future that says " no loans are made. Ending4: [substeps] Local governments are not authorized to reduce deposits to public savings accounts, but there are many advantages to doing so, such as medical and dental insurance programs are open for people able to pay off outstanding loans, and identity theft is almost guaranteed. [title] Wait 3 years before a payout.

Answer format: ending1/ending2/ending3/ending4