Mr N borrowed money from African bank, he asked his wife to stand surety for the debt. With the insurgence of Covid-19, Mr N is struggling in his business and has defaulted in his instalment arrangement. He owns a bakkie, has an electrical workshop and a house registered in his name. The bank approaches you for advice on how they may proceed against this debtor. Evaluate, with reference to the security right conferred to the bank in this transaction, what the bank's options are and how it may realize this security