secure SHOP SAFELY ONLY

secure SHOP SAFELY ONLY

3-D Secure Code: Shop Safely Online Societe Generale Expressbank offers its clients a new functionality for cardholder authentication developed in cooperation with the international card organizations Visa International and MasterCard Worldwide. This is the most secure system for shopping online called 3-D Secure Code. It is valid for all cardholders of existing and new bank cards issued by the bank. What is 3-D Secure Code? 3-D Secure Code is based on the international security standard for shopping online 3D Secure. This technology is offered by Visa and MasterCard as: Verified by Visa MasterCard SecureCode This standard helps you protect your card against fraud when shopping online by entering a personal secure code for identification. Each time you pay on a website certified for this standard you enter the secure code defined by you to confirm the purchase. 3-D Secure Code is used only on online merchant sites certified for this functionality which you can identify by the presence of the following logos: for Visa for Maestro и MasterCard You can freely use your card at merchants who have not been enrolled for Verified by Visa and MasterCard SecureCode, in which case the transaction will pass in the standard way. The activation of 3-D Secure Code does not restrict you from shopping online with your card whether the site on which you want to make a payment offers this service or not. When you shop at certified online merchants you benefit from an additional level of security.

How do I enroll for 3-D Secure Code? To register, follow these 2 steps: 1. Obtain a temporary secure code. You can obtain your secure code at any ATM of the bank and at all ATMs within the system of Borica that support this functionality. 1.1. After you insert your card in the ATM, select Other services from the main screen. 1.2. On the next screen select Payment via internet.

1.3. Please, select Verified by Visa / MasterCard Secure code. 1.4 On the next screen select Temporary code for registration. It is necessary to enter your PIN code. The receipt will be printed automatically. In case the ATM does not print a receipt, you can repeat the same steps at another ATM. 2. Register on the website of Societe Generale Expressbank in Borica and creatе a customer profile. In the second stage of registration, you must change the temporary secret code with a new one by your choice and create your customer profile. Please

visit www.sgeb.bg/bg/3-d-secure and follow one of the links depending on your card. 2.1. After you click on the link which corresponds to your card you will see this page. Start your registration by following the link Register with temporary password. 2.2. When you follow the link you will start the first of four easy registration steps. Please enter your card number with no spaces and click on Next.

2.3. On this page you will have the opportunity to read the General conditions of 3D Secret Code. To continue with your registration please click on Accept. 2.4. The next step is to enter your temporary password in order to verify your identity. Afterwards click on Next.

2.5. After entering the correct temporary password you will see this page. First enter and confirm your new password. In the field Hint Question write a question which you will be asked in case you forget your password. Then fill in a relevant answer. In the field Personal Message you should write a text that will appear afterwards in the password window. When you finish enter Submit. 2.6. After a successful registration you will see the Congratulations window.

In your client s profile you have the opportunity to follow your transaction history of all payments made using MasterCard SecureCode and/or Verified by Visa. From the menu in your client s profile you can unsubscribe from using 3D Secure Code, which does not restrict your access to online merchants, but discontinues the possibility to use this functionality. A new registration is needed: for each card that you want to use this functionality when your card is reissued for any reason when your card is renewed upon expiration If you have difficulties registering for 3D Secure Code, please contact Societe Generale Expressbank s Customer Card Support Centre at: 0800 19 333.

How to shop online? 3D Secure Code does not require the installation of any specific software and can be used from every computer linked to the internet. Each time you make payments at online merchants certified for 3D Secure, upon entering your card details the system will automatically check if the card is registered for 3D Secure. The payment process goes through the following stages: 1. You enter your card number 2. A new window pops up. It includes the following elements: logo of Verified by Visa and/or MasterCard SecureCode depending on your card your personal assurance message a field for entering your 3D Secure Code 3. After the confirmation of the secure code, the bank will automatically check the card and confirm the payment

Change of password? You have the possibility to change your secret code at any ATM in the Borica system that supports this functionality. This operation is available only for registered cards. You can also change your password through your client s profile by using the site of the bank in Borica. What to do if I forget my password? When you enter three times wrong 3D secure Code, you will be requested to enter the answer to the Hint question that was previously defined by you. After you enter the correct answer, you can define a new Secret Code. In case of forgotten answer to the Hint question and entered wrong answer (after 3 wrong Secret codes) the card will be blocked for this functionality. When your card is blocked you can receive a new secret code at an ATM through the function Change of Password. At the same time your card is unblocked automatically. In case of enquiries you can turn for assistance to Card Customer Support Center via email: SGEB.Cardsupport@socgen.com or phone: 0800 19 333.

Advice for your security Remember your secret code. You will need to enter it each time you pay with your card on merchant sites that carry the following logo: and/or Do not use your PIN code when you create your 3D Secure Code and avoid easy-to-guess data/dates Pay with your card only at online merchants that have good reputation and are certified for 3D Secure Keep information for the merchant: name, address, phone, contacts Print/save a copy of the screen on which you confirm the purchase Make sure that on the purchase confirmation screen the following components are present: the logo of Visa and/or MasterCard and Societe Generale Еxpressbank and the personal assurance message that you have chosen during the registration process.

The presence of these elements proves that the payment is checked by the bank and the information that you enter is not disclosed to third parties. Do not enter your data for identification and personal data if some of these elements are missing. Check the amount and the decimal comma in it Do not reply to emails which redirect you to sites where confidential information like your card number, bank account, secure code or PIN is requested Inform the bank immediately if you have any doubts that someone knows your 3D Secret Code Avoid payments with your card from a computer other than your personal one.

secure SHOP SAFELY ONLY