1. Use Of The Card

1.2 Subject to the terms of this Agreement and General Terms and Conditions governing the operations of Current and/or Savings Account existing at the time of use;

1.3 To obtain the facilities and benefits from time to time made available by the Bank in respect of the use of the Card; During the validity period indented on the Card;

1.4 Subject to the right of the Bank in its absolute discretion and without prior notice, at any time to withdraw the right to use the Card for, or to refuse any request for Authorization of any particular Card Transaction and to publish any such withdrawal or refusal

1.5 For any cash withdrawal directly from the Bank or on ATM subject to the daily limits set by the Bank, at the Bank’s discretion, and which limits may be changed from time to time.

1.6 The Customer hereby authorizes the Bank to act on and accept all instructions and transactions that occur after the customer’s PIN, has been entered or applied. The bank shall be

entitled and will proceed on the assumption that all such transactions have been authorized by the customer, even in circumstances where such transactions occur without the customer’s knowledge, consent and authority.

2. Account

2.1 The Bank may debit the Account with the amount of all Card Transactions, any other liabilities of the Cardholder hereunder and any loss incurred by the Bank arising from the use of the Card. The Principal Cardholder will pay the Bank all amounts so debited whether or not a sale or cash withdrawal voucher is signed by the Cardholder.

2.2 The Cardholder’s Account with the Bank is directly updated once the Electron Debit Card is used and should the account go into over draft for any reasons whatsoever, it will be treated immediately and without any formal notification, as an unauthorized overdraft and will attract the prevailing penalty charges/interest as applicable in the Bank. This amount should be cleared immediately to avoid card withdrawal and cancellation.

3. Automated Teller Machine

3.1 The Cardholder (Principal and Authorized) may use the Card together with such Cardholder’s Personal Identification Number (‘PIN’) to execute a transaction at any of the automated teller machines or terminals designated by the Bank. If the Cardholder has selected such PIN all security procedures as described herein apply to each transaction executed by the Cardholder who must exercise all necessary precautions against loss or theft of the Card or disclosure of the PIN.

4. Withdraw of use of the card

4.1 The Bank may at any time and without notice cancel or suspend the right to use any Card entirely or in respect of specific facilities or refuse to re-issue, renew or replace any Card, without in any case affecting the Cardholder’s obligations under this Agreement for transactions made before or after such cancellation or suspension which shall continue in force.

4.2 The Card remains the property of the Bank at all times. On request, all or any Card issued for use on the Card Account must be returned immediately to the Bank or to any other person acting for the Bank.

4.3 The Principal Cardholder shall be liable for all expenses incurred by the Bank in reclaiming a cancelled Card

5. Fees and other charges

The charge payable in respect of the use of the Card shall be determined by the bank and notified to the principal Cardholder from time to time.

6. Termination

6.1 The Principal Cardholder may terminate this Agreement by written notice to the Bank but such termination shall only be effective on the return to the Bank of all Cards issued for use on the Card Account, and the payment of liabilities of the Principal Cardholder, under this Agreement. Until such termination, the Bank may reissue Cards from time to time for use in accordance with this Agreement.

6.2 All notices to the Bank must be posted by registered post to the Head of Operations, Tropical Bank limited, Plot 27 Kampala Road P.O. Box 9485/7292 Kampala, Uganda. For the Purpose of delivery.

7. Safeguarding the card and the PIN

7.1 The Cardholder will exercise all care necessary to ensure the safety of the Card and the secrecy of the PIN at all times.

7.2 The Cardholder will not disclose the Card number to any third party except in connection with encashment usage or for the purpose of a Card transaction or when reporting the actual loss or theft of the Card;

7.3 A Cardholder shall not allow any other person to use the Card with or without the knowledge of the PIN.

7.4 A Cardholder shall NEVER write the PIN on the Card or anything usually kept with it;

7.5 A Cardholder must insist on being present when a Card transaction is being processed at the Point of Sale machine. It is a Cardholder’s duty to safeguard his/her Card with the same intensity they would do with cash. If the Card is however lost, stolen or for any other reason liable to misuse or the PIN has been disclosed to anyone other than on Authorized User, the Cardholder must immediately notify the Card Department, Tropical Bank Limited at the address as contained in this Agreement. This notification shall first be made immediately by making a telephone call to the bank’s credit card department and lodging the said request. Such notification MUST be followed by a written communication to the Card Manager, Tropical Bank Limited, Plot 27 kampala road, P.O. Box 9485/7292 Kampala, Uganda., Tel:0202406105 within 48 hours of the telephone notification.

7.6 Until the Bank receives the formal notification, the Principal Cardholder will be liable in respect of any use of the Card. After the Bank has been effectively notified the Principal

Cardholder’s liability for any subsequent use of the Card other than by a Cardholder will cease provided that the Card has not been used by a person who acquired possession of it with the Cardholder’s consent express or implied;

4.7 The Cardholder will give the Bank all Information in the Cardholder’s possession as to the circumstances of the loss, theft or misuse of the Card or disclosure of the PIN and take all steps deemed necessary by the Bank to assist in the recovery of a missing Card. In the event of any such loss, theft or misuse being suspected, the Bank may provide the police with any information it considers relevant. If a Card is reported as lost, stolen or liable to misuse, that Card must not subsequently be used but must be cut in half and returned immediately to the Card Manager Card Manager, Tropical Bank limited, Plot

27 Kampala Road P.O. Box 9485/7292 Kampala, Uganda.P.O. Box 9485/7292 Kampala, Uganda

8.Refunds and card holder claims

8.1 The Account will only be credited with a refund in respect of a Card Transaction if the Bank receives a refund voucher or other refund verification acceptable to it. No claim by the Cardholder against a third party may be subject of a defense or counterclaim against the Bank. No rights of the Cardholder against the Bank may be assigned or otherwise disposed of;

8.2 No Cardholder shall return for cash refund any goods and tickets for services obtained with the Card. Any such refunds must be credited only through the Bank Account;