Verbal password is what you would use in order to verify you are associated with the account and/or homeowner. You would be asked to verify the password if you are calling for account information, or Rapid Response is calling in the event of an emergency to prove your identity. Your master code is the code you will use to disarm the panel. Your duress code is a secret code you will use in the event you are being forced to disarm your panel. This will disarm the panel, but send a silent, panic signal to the police, who would immediately be dispatched.