In either of the following cases, such a discharge does not affect a debt or liability, founded upon a contract, unless it was owing, when the petition was presented, to a resident of the state; or the creditor has executed a consent to the discharge; or has appeared in the proceedings; or has received a dividend from the trustee:

1. 1. Where the contract was made with a person, not a resident of the state.
2. 2. Where it was made and to be performed without the state.
3. 3. Where the creditor was not, at the time of the discharge, a resident of the state.