This is the 5558th most frequent Polish word.
umową
The Polish word "umową" means "contract" or "agreement" in English (instrumental singular form).
Umową is used in the instrumental case to indicate the means (the contract) by which the action was formalized.
Podpisałem umowę z nowym pracodawcą.
I signed a contract with my new employer.
Umową is used in the instrumental case here, describing what the problem is associated with.
Problem z umową polega na niejasnych zapisach.
The problem with the contract lies in unclear provisions.
Umową is in the instrumental case, used after the preposition 'z' denoting the object of analysis.