I read it if you withdraw the 55%, you accept the 45% as tokens (not you lose it).
Depends on when you withdraw.
Tomorrow, on September 2, 2017, it will be possible to withdraw 55% of the funds from the account in koins on the condition that our debt obligations are abandoned to the remaining 45% of funds in the form of tokens.
So if you cash out 55% tomorrow, BTC-e are not obliged to give you tokens for the remaining 45%, so you take a 45% hit.
Look at it as the "withdrawal fee from hell" for those that are impatient.