I obtained a loan from VBS Mutual Bank and met the obligation of paying R7 814 1550.00 as ordered by the Constitutional Court of South Africa, in respect of the security upgrades at my private residence in Nkandla. The banker-client relationship is governed by the private law of contract. In this regard, we should all abide by the letter of the law and not interfere with this contractual relationship as enshrined in legislation passed by our parliament.