Dear ASB
Thanks for dropping my daily NetCode limit to $100 (don't worry about telling me), so now everytime I do a bank transfer for bugger all you charge me 25 cents for a text message that you are paying 5 cents for. I also like how you don't let me turn NetCode off.
Also, don't worry about implementing a third level authentication pass device like RaboPlus or HSBC as I'm happy to keep paying everytime I bank transfer.
Regards
Disgruntled.