If your account has an original term of one year or less: The penalty will equal 90 days dividends on the amount withdrawn subject to penalty. If your account has an original term of more than one year, but less than five years: The penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty. If your account has an original term of five years or greater: The penalty we may impose will equal 365 days dividends on the amount withdrawn subject to penalty.