WHAT IS THE USE OF A PRIVATE BANKER?

CAN YOU PLEASE EXPLAIN TO ME WHAT IS THE USE OF A PRIVATE BANKER? I MEAN I PAY SO MUCH MORE TO BE A PRIVATE CLIENT- BUT WHEN I MAKE ENQUIRIES REGARDING MY ACCOUNT IT TAKES FOREVER TO RECEIVE ANY FEEDBACK. IM STILL WAITING TO HEAR ON MY SHORTTERM LOAN THAT FNB REVERSED THE PAYMENT. I DONT KNOW WHY. I WANTED TO KNOW HOW MUCH IT IS BECAUSE I CANT AFFORD IT ONCE OFF. IT IS NOT MY FAULT THAT IT WAS REVERSED FROM MY ACC. I WANT TO KNOW IF IT CAN BE SPLIT INTO 2 PAYMENTS?/ I ALSO WANT TO CHANGE MY PRIVATE BANKER TO JUST A NORMAL CHECQUE CARD. I WILL THEN PAY ALOT LESS ASWELL.