11.—(1) Any payment from the minimum sum which a member receives in accordance with regulations 9 and 10 shall be out of the amount of cash which he has maintained as the minimum sum and any interest accruing thereon.
(2) Where a member does not have any amount of cash as the minimum sum or has depleted the cash in his minimum sum, the member shall not receive any payment under regulations 9 and 10 but the value of the charge or pledge shall be reduced in accordance with the amount of payment due to him.