What is Bex. Bex stands for beat extraction. We assume that it is in principle possible to locate a beat with certain auditory, and hence audio, events. As originally implemented, beats are identified in the speech signal in order to study rhythmicity in speech.hat is Bex. Bex stands for beat extraction. We assume that it is in principle possible to locate a beat with certain auditory, and hence audio, events. As originally implemented, beats are identified in the speech signal in order to study rhythmicity in speech.
Bank Penalties. If the CD hasn't matured, the bank can charge you an early withdrawal penalty even if you're taking a qualified distribution from your IRA. According to Bankrate.com, penalties average about three months of interest if the CD term is a year or less while longer CDs impose penalties of around six months of interest.
Like most FIAs, it offers a free 10 percent surrender, but this means 90 percent is subject to this surrender fee between the first and second year. By comparison, the Barclays Bank five-year CD has an early withdrawal penalty equivalent to about 1.12 percent. One final point to keep in mind: Annuity commissions are usually quite high.