Death penalty occurs when a character dies a Non-PK death at Level 99 the death penalty consists of 3 different parts:
1. BOD or Break On Death items are destroyed.
2. All currently equiped items lose 15% of their total durability any item below 15% durability at the time of death are lost.
3. Level 99 characters lose 50% of the experience they had at the time of death, sub-level 99 characters lose a set amount of experience depending on their level