WH viisa ja pangaarve Austraalias

Palun kas keegi kes Austraalias kohapeal ja kogemused sealse pangaarve avamisega, oskaks mulle lahti seletada, mida tähendab nende maksuameti kodukal paiknev järgmine lõik:

If you are a non-resident and you give the institution (bank) your overseas address, they are required to only withhold tax from interest on your account at the rate of 10%. If you do not give the institution your overseas address and do not give them your tax file number, they are required to withhold tax from interest on your account at the rate of 48.5%.

EHK mis täpselt selles 10% sisaldub???