Visa Secure

Consumer Communication Examples for EMV 3-D Secure

March 2019

Notice of Confidentiality
This presentation is furnished to you solely in your capacity as acustomer of Visa Inc. and/or a participant in the Visa payments system.
By accepting this presentation, you acknowledge that the information
contained herein (the “Information”) is confidential and subject to theconfidentiality restrictions contained in Visa’s operating regulations and/or other confidentiality agreements, which limit your use of theInformation. You agree to keep the Information confidential and not to
use the Information for any purpose other than in your capacity as acustomer of Visa Inc. or as a participant in the Visa payments system.
The Information may only be disseminated within your organization ona need-to-know basis to enable your participation in the Visa payments
system. Please be advised that the Information may constitute material
non public information under U.S. federal securities laws and thatpurchasing or selling securities of Visa Inc. while being aware of material
non public information would constitute a violation of applicable U.S.
federal securities laws.
All brand names, logos and/or trademarks are the property of theirrespective owners, are used for identification purposes only, and do notnecessarily imply product endorsement or affiliation with Visa.

Contents

1 Introduction
2 EMV 3-D Secure update
3 Opportunity
4 Merchant communication examples
5 Issuer communication examples

Introduction

What is the purpose of this document?

This document provides a guide on how to communicate the launch of
EMV 3-D Secure, formerly known as 3-D Secure 2.0, to customers alongwith the brand update from Verified by Visa to Visa Secure to betteralign the offering name to the Visa master brand strategy by leadingwith Visa.

This document contains:
BackgroundHelp your customers understand there’s an upcoming change with EMV
3-D Secure and the benefits of this change.
Brand Guidelines
Understand how to configure and correctly use Visa collaterals in yourMarketing and Communications.
Marketing Assets
Provides templates and relevant messaging to promote EMV 3-D Secureand its benefits to customers.
Contact Us
For any questions, concerns or approvals email all questions and assets
to your Visa account representative.

Opportunity
Opportunity
Over 15 years ago, Visa developed 3-D Secure to provide merchants and issuers away to authenticate the cardholder for card-not-present payments. Despite varying
degrees of adoption globally, 3-D Secure became the industry-wide eCommerceauthentication standard. Through the years, the original 3-D Secure standard
associated with Verified by Visa has been known for a less than optimal user
experience and cart abandonment.
With EMV 3-D Secure, these issues will be addressed through a more seamless andintegrated consumer experience across a variety of devices. This upgrade also
coincides with Visa’s master brand strategy to help simplify Visa's brand expressions
across different payment methods and experiences. With these two initiatives in play,this is an ideal time to rebrand Verified by Visa.

Note: Screen images illustrative only.

EMV 3-D Secure update
At Visa, we are simplifying our brand expressions across different
payment methods and experiences to ensure that Visa is recognized as
the best way to be pay and be paid for everyone, everywhere;
regardless of the payment form factor being used.
With the launch of EMV 3-D Secure, any existing Verified by Visa marks
will be replaced with the following Visa Secure badge across Merchantand Issuer consumer-facing channels. In addition to this, simple
descriptive language (e.g. “your online transactions are secure with Visa”)
will help guide consumers with this enhanced technology and customer
experience. As Issuers and Merchants transition from the original 3-D
Secure standard to EMV 3-D Secure, it is recommended that the Verified
by Visa brand be phased out across marketing/communication materials
and user interface screens.
Within Issuer authentication/challenge screens, the Verified by Visa markwill be replaced with the Visa Secure badge as Issuers transition from theoriginal 3-D Secure standard to EMV 3-D Secure.
Please refer to Visa's EMV 3-D Secure User Experience Guidelines athttps://developer.visa.com/pages/visa-3d-secure

Now

FutureSECUREHow do these changes benefit our partners?
What this rebrand means for partners

1

2

3

Unify & Amplify

Seamless Experience

Emerging Technologies

We are working hard to unify our brands, rules
and standards in order to make our products andservices easier to engage with for both partners
and end users. A simple and streamlined Visa iseasier for all parties to understand.

You can expect a more unified look, feel andbehavior from Visa across our ecosystem, whichmeans your customers can rely on the same trust,security and innovative thinking of the Visa brandacross all payment experiences.

Visa is a strong partner for both the technologies
of today (e.g. card, mobile, QR, etc.) andwhatever the future may hold. We are building amore flexible and forward-thinking brand to help
you build your brand for the future.

Communication
Communication to consumers
Within consumer-facing communications, we want to emphasize that Visa's EMV 3-D Secure service helps prevent the unauthorized use of their Visa card - helping
to protect their online transactions from fraud. The following proposed copy can be modified to fit your communication style and brand. Issuers may also want toinclude additional content to their communication to assist cardholders who may be asked to verify their identity via one-time passcode, biometrics, etc.
MERCHANT COMMUNICATION EXAMPLE:

ISSUER COMMUNICATION EXAMPLE:

Always working to protect you
At [MERCHANT], we want to help ensure the security of everyone we dobusiness with. One way we do this is to prevent the unauthorized use ofcards — especially online when we can’t see a physical card.

Online shopping secured with Visa
Protecting you is our top priority. One way we do this is by preventing
the unauthorized use of your card. During a purchase from a desktop,
mobile or other digital device, you may be guided through an extra
check to verify your identity. This helps us ensure you’re you andbetter protects you from fraud.

As a Visa cardholder, your transaction is secured with Visa and you may be
guided through an additional check to verify your identity. This helps us
know you’re really you, it helps your bank make a more accurate approval
decision, and it better protects you from fraud.
Learn more about how it works at [VISA WEBSITE].

As a [ISSUER] cardholder, your online transactions are secured with
Visa. Visa recently enhanced its security for online purchases making
the experience more seamless and easy while protecting you fromfraud.
Learn more about how it works at [VISA WEBSITE].

Communication
Communication to consumers
Within consumer-facing communications, we want to emphasize that Visa's EMV 3-D Secure service helps prevent the unauthorized use of their Visa card - helping
to protect their online transactions from fraud. The following proposed copy can be modified to fit your communication style and brand. Issuers may also want toinclude additional content to their communication to assist cardholders who may be asked to verify their identity via one-time passcode, biometrics, etc.
EUROPEAN ISSUER COMMUNICATION EXAMPLE:

EUROPEAN ISSUER COMMUNICATION EXAMPLE:

Ensuring you’re always you
Protecting you is one of our top priorities. One way we do this is bypreventing the unauthorized use of your card. As a Visa cardholder,
your transactions are secured with Visa. Visa recently enhanced its
security for online purchases which satisfies the strong consumer
authentication requirement of the EU’s Payment Services Directive
being rolled out in 2019.

Protecting you is our top priority
When shopping online it is important to feel confident using your [ISSUER] card. This iswhy [ISSUER] is pleased that your online transactions are secured with Visa.

During an internet purchase from a desktop, mobile or other digital
device, you may be guided through an extra check to verify youridentity. During this verification process, you should see the Visa logo,
reminding you that the transaction is secure and reliable. This extra
check helps us ensure you’re you and better protects you from fraud.
Learn more about how it works at [VISA WEBSITE].
Sincerely,[ISSUER]Visa helps protect your card against unauthorized use when you shop online withparticipating retailers. When you make a purchase in a store you may be asked to enter a
PIN to confirm that the card is yours. Similar to this, when you make purchases over theInternet whether you’re using a desktop, mobile or other digital device, you may be
guided through an additional check to verify your identity. This helps us know you’re really
you, it helps your bank make a more accurate approval decision, and it better protects
you from fraud.
In the past, we've asked you to enter security information every time you shopped online
at participating retailers, but we know this can sometimes be inconvenient. So we're
making some changes that should mean we ask for this less often, although we may still
have to in some circumstances. Visa recently enhanced its security for online purchases
satisfying the strong consumer authentication requirement of the EU’s Payment Services
Directive being rolled out next year. You should see the Visa logo when you shop so you
know the transmission is secure, reputable and comprehensive.
You can find out more information in our updated [Service Guidelines].

Tone and Benefits

How to speak to consumers
Please use simple and consumer-friendly language to help explain this service.
When possible, have FAQs available to both consumers and employees to
educate them on this service.
Consumer Benefits:
Through this free and simple-to-use service, consumers have an added layer ofprotection that helps prevent the unauthorized use of their Visa card while
shopping online. This service helps protect consumers from fraud and wasrecently enhanced to provide a more seamless and integrated consumer
experience across a variety of devices, including desktop, mobile, and in-app.

Merchant Examples

Merchant Examples#1: Merchant website with Visa Secure badge

Note: Screen images illustrative only.

Merchant Examples#2: Merchant website with Visa Secure badge and “Learn more” link driving to Visa.com website

Visa Secure “Learn More” link takes user to the
Visa.com consumer-facing webpage
https://usa.visa.com/pay-with-visa/featuredtechnologies/verified-by-visa.html

Note: Screen images illustrative only.

Merchant Examples#3: Merchant website with Visa Secure badge and “Learn more” link driving to a merchant-hosted webpage

In this example, the "Learn More" linktakes consumers to a merchanthosted webpage with more
information and FAQs

Note: Screen images illustrative only.

Merchant Examples#4: Consumer-facing copy on Merchant website“Learn More” drives user to the Visa.com consumerfacing webpage
https://usa.visa.com/pay-with-visa/featuredtechnologies/verified-by-visa.html

Note: Screen images illustrative only.

Merchant Examples#5: Consumer-facing FAQs on Merchant website

Note: Screen images illustrative only.

Merchant Examples#6: Merchant email with consumer-facing copy

“Learn More” drives user to the Visa.com consumer-facing webpage
https://usa.visa.com/pay-with-visa/featured-technologies/verified-by-visa.html

Note: Screen images illustrative only.

Merchant Examples#7: Merchant Printed Brochure

Note: Screen images illustrative only.

Merchant FAQs
Always working to protect you
At [MERCHANT], we want to help ensure the security of everyone we do business with. One way we do this is to prevent the unauthorized use of cards — especially online
when we can’t see a physical card.
As a Visa cardholder, your transaction is secured with Visa and you may be guided through an additional check to verify your identity. This helps us know you’re really you,it helps your bank make a more accurate approval decision, and it better protects you from fraud.
Learn more about how it works at [VISA WEBSITE].

Frequently Asked Questions
When I shop online and see the Visa Secure badge, what does this mean? Howare my online purchases secured with Visa?
Visa has developed a program that helps confirm your identity when you make an
online purchase. This service helps make shopping online more secure byprotecting against unauthorized use of your Visa card. There’s no need to download
anything, install software, or register for an account. During an online purchase fromyour desktop, mobile or other digital device, you may be guided through an extra
check to verify your identity. This helps us ensure you’re you and better protects you
from fraud.
What is the benefit?
Through this program you have an added layer of protection that helps to preventthe unauthorized use of your Visa card while shopping online. This service helps us
know you’re really you and most importantly it protects you from fraud.

Is my personal information safe and secure?
Yes. Your information is [insert specific security language, i.e. transmittedusing a high level of encryption and is stored on a secure server].
Does this Visa service cost me anything?
No. There are no costs associated with this service.
Can I use both credit and debit cards?
Yes! This service was designed for both Visa credit and debit cards when
shopping online with us. When you use your Visa debit card, your onlinetransaction experience will be similar to a credit transaction.
Do I need a new Visa card to use this service?
No. Your current Visa card will work, as long as the financial institution thatissues your card is part of this Visa program. Please visit your issuer’s website
for more information.

Merchant FAQs

How will I know if my online purchase has this added layer of protection?
This service automatically works at checkout. Remember, there is no need todownload anything, install software, or register for your account to get this added
layer of protection. When using this service, you may occasionally be prompted at
checkout to verify your identity, but this is to ensure you’re you and protect you
from fraud.
What happens when I finish shopping?
As you complete the transaction, you may be prompted to verify your identity if
additional authentication is required. It’s important to take special precautions when
shopping online. This extra verification step helps ensure the person using your cardis you.
If I do encounter this extra verification step, what will the extra check be?
The financial institution that issued your Visa card has a number of tools that canhelp verify your identity such as a one-time passcode or biometrics. If you
encounter this extra step, simply follow the instructions on your screen to verify youridentity.

I see the Visa logo when I’m going through the extra check. What’s thisabout?
If you do encounter this extra verification step, Visa helps route information
to your financial institution so they can can verify your identity. The logo isthere to give you peace of mind that the transmission is secure and reliable.
I used to see Verified by Visa on your website. Is this service different?
No. Although the Verified by Visa name is no longer in use, the same
technology is in place to help protect you. In fact, this service was recently
enhanced to make transactions more secure and the user experience moreseamless.

Merchant FAQ specifically for Europe
The EU’s Second Payment Services Directive (PSD2) will mandate Strong
Customer Authentication (SCA) before initiation of the payment. Is thisservice compliant with PSD2?
Yes, Visa recently enhanced its security for online purchases including both ecommerce and m-commerce transactions that satisfies the Strong Consumer
Authentication requirement of the EU’s Payment Services Directive beingrolled out in 2019.

Issuer Examples

Issuer Examples#1: Cardholder-facing copy on European Issuer website

Note: Screen images illustrative only.

Issuer Examples#2: Cardholder-facing FAQs on European Issuer website

Note: Screen images illustrative only.

Issuer Examples#3: European Issuer email with cardholder-facing copy

Note: Screen images illustrative only.

Issuer Examples#4: Cardholder-facing copy for an Issuer website (non-mandated region)"Learn more" drives user to the visa.com consumerfacing webpage
https://usa.visa.com/pay-with-visa/featuredtechnologies/verified-by-visa.html

Note: Screen images illustrative only.

Issuer Examples#5: Cardholder-facing FAQs for an Issuer website (non-mandated region)

Note: Screen images illustrative only.

Issuer Examples#4: Issuer email with cardholder-facing copy (non-mandated region)

Note: Screen images illustrative only.

Issuer Examples#5: Issuer Printed Brochure

Note: Screen images illustrative only.

Issuer FAQs
Online shopping secured with Visa

Protecting you is our top priority. One way we do this is by preventing the unauthorized use of your card. During a purchase from a desktop, mobile or other digital device, you may be guided through an
extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud.
As a [ISSUER] cardholder, your online transactions are secured with Visa. Visa recently enhanced its security for online purchases making the experience more seamless and easy while protecting you fromfraud.
Learn more about how it works at [VISA WEBSITE].

Frequently Asked Questions
How are my online purchases secured with Visa?
Visa has developed a program that helps confirm your identity when you make an
online purchase. There’s no need to download anything, install software, or register
your account.
During an online purchase from your desktop, mobile or other digital device, you
may be guided through an extra check to verify your identity. This helps us ensure
you’re you and better protects you from fraud. This is one way [ISSUER] and Visa
have teamed up to secure youraccount(s).
What is the benefit?
Through this program, you have an added layer of protection that helps prevent theunauthorized use of your Visa card while shopping online. This service helps us
know you’re really you and most importantly it protects you from fraud.

Is my personal information safe and secure?
Yes. Your information is [insert specific security language, i.e. transmittedusing a high level of encryption and is stored on a secure server].
Does this service cost me anything?
No. There are no costs associated with this service.
How will I know if my online purchase has this added layer of protection?
This service will automatically work at checkout at any of Visa's participating
online merchants. Remember, there’s no need to download anything, install
software, or register for an account to get this added layer of protection.
When using this service, you may occasionally be prompted at checkout toverify your identity, but this is to ensure you’re you and protect you fromfraud.

SECURE

Lastly, if you see the following Visa Secure badge on participating
online merchants’ websites this also indicates the use of this service.

Issuer FAQs
Can I still use my [ISSUER] card at online merchants that are not participating inthis program?
Yes, your [ISSUER] Visa card will continue to work as usual if the merchant is notparticipating in this program. Your transaction will still be protected by multiple
layers of security and zero liability for fraudulent purchases.

I see the Visa logo when I’m going through the extra check. What’s thisabout?
If you do encounter this extra verification step, Visa helps transmit the
information being shared between the merchant and us. The logo is there to
give you peace of mind that the transmission is secure.

Can I use both credit and debit cards?

Issuer FAQ specifically for Europe

Yes! This service was designed for both Visa credit and debit cards when shopping
online. When you use your Visa debit card, your online transaction experience will
be similar to a credit transaction.
What happens when I finish shopping?
When you are finished shopping, proceed to the merchant's checkout page. As you
complete the transaction, you may be prompted to verify your identity if additional
authentication is required. It’s important to take special precautions when shopping
online. This extra verification step helps ensure the person using your card is you.
If I do encounter this extra verification step, what will the extra check be?
[ISSUER] has a number of tools that can help verify your identity such as a one-time
passcode or biometrics. If you encounter this extra step, simply follow the
instructions on your screen to verify your identity.

The EU’s Second Payment Services Directive (PSD2) will mandate Strong
Customer Authentication (SCA) before initiation of the payment. Is thisservice compliant with PSD2?
Yes, Visa recently enhanced its security for online purchases including both ecommerce and m-commerce transactions that satisfies the Strong Consumer
Authentication requirement of the EU’s Payment Services Directive beingrolled out in 2019.