"ixesha lesithathu limele irhafu iyonke ehlawulekayo kunyaka opheleleyo kuthatyathwe irhafu yabaqeshwa ehlawulelwe unyaka opheleleyo naziphina iikhredithi ezivumelekayo zangaphandle kunyaka opheleleyo iimali ezihlawuliweyo kumaxesha okuqala nawesibini erhafu yokubambisa"