a mortgage or charge given for the purpose of securing: (a) any financial accommodation provided by us to an individual or a small business; or (b) a Guarantee, other than such a security which contains a personal undertaking by the mortgagor to pay

a Universal Resource Locator.

fees and charges normally charged by us in respect of a banking service.

those terms and conditions specifically applied by us to a banking service but does not include any other terms and conditions that may apply by operation of law.

the abbreviation for Electronic Funds Transfer at Point of Sale. EFTPOS allows a business to sell goods and services and allow customers to withdraw cash, using at ATM card.

a branch of the Bank of Queensland that is owned and operated by an independent third party as our authorised representative.

a business having:(a) less than 100 full time (or equivalent) people if the business is or includes the manufacture of goods; or (b) in any other case, less than 20 full time (or equivalent) people, unless the banking service is provided for use in connection with a business that does not meet the elements in (a) or (b) above.

an authority and request to debit amounts to a specified account of a customer with the customer’s financial institution, given in writing by that customer to and in favour of a debit user or their agent.

an authority and request to debit amounts to a specified account of a customer with the customer’s financial institution, given in writing by that customer to and in favour of a debit user or their agent.

an amount debited to a specified account of a customer with the customer’s financial institution, as requested and authorised in writing by that customer, to and in favour of a debit user (or to a third party in its capacity as agent for that named debit user) which is processed through the Bulk Electronic Clearing System.