If your account has an original maturity of one year or less: the penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less. If your account has an original maturity of more than one year: the penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty or dividends since date of issuance, whichever is less.