a) Account means any type of account and (including without limitation) in relationship to any advance, deposit, contract, product, dealing and or service established and operated between the Bank and the Customer.

b) Available balance means the amount (excluding any unconfirmed Amount, which can be drawn by the customer from his/ her Account;

c) Application Form means the Bank’s form filled out by the Customer when opening of an Account with the Bank;

d) Bank means Tropical Bank Limited, including but not limited to its successors in title and assigns (whether immediate or derivative):

e) Bank’s Branches means all places in the Republic of Uganda where the Bank’s business is operated and conducted, including the main registered office of the Bank;

f) Business Day means the days on which the Bank is open for all classes of banking business (excluding statutory and other public holidays) as the Bank may determine from time to time;

g) Banking Hours means the hours for which the Bank is generally open for all classes of business as may be determined by the Bank in respect of each of the Bank’s Branches from time to time;

h) Bank’s Tariffs means (including but not limited to) the schedule of the charges and fees levied by Bank in relation to the Account;

i) Cheque means a negotiable-instrument issued to the Customer by the Bank;

j) Cheque Book means the serially numbered Cheques bound together and issued by the Bank to the Customer:

k) Cheque Book Terms and Conditions means the Specific Terms and Conditions relating to the use of the Cheques by the Customer;

l) Customer means a holder of an Account with the Bank; and includes individual firm or corporate body.

m) Foreign Currency means for the time being any currency other than Uganda Shillings;

n) Uganda Shillings means for the time being the lawful Currency of the Republic of Uganda;

o) Mandate means the manner in which the Bank will act upon the Customer’s written instructions as set out in the Application Form;

p) Specific Terms & Conditions means the particular terms and conditions relating to a specific type of Account and or product;

q) Tax means all taxes levies, duties, charges, imposts or withholding (including, without limitation, compensating tax, drought levy, value added tax, stamp duties, service charges, National Social Security or Hospital Insurance Fund Payments) together with all penalties, charges and interests relating to any of them