Products issued by Bank of Queensland Limited ABN 32 009 656 740 (BOQ) Australian Credit Licence No 244616. This information is for general information purposes only. Fees and charges are payable. Full  terms and conditions are available at any  Bank of Queensland branch. These may be varied, or new terms and conditions introduced in the future. The content on these pages is for information only and is not an offer by the Bank to provide the products and services. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement (PDS),  terms and conditions and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents from any  Bank of Queensland branch or by  contacting us.