ATM cash-out penalty: banks must monitor cash availability and face penalties for prolonged outages under scheme. A penalty scheme mandates banks and White Label ATM Operators to monitor ATM cash availability and ensure timely replenishment; system-generated monthly statements of ATM downtime due to non-replenishment must be submitted to the Issue Department within five days of the following month. The Scheme imposes a flat monetary penalty for prolonged cash-outs, charges the bank meeting cash requirements for WLAs (which may recover the penalty from the WLA operator), and is administered by Issue Departments with a limited appeal process for genuine force majeure reasons.