When you register for VBV/MSC at www.standardchartered.com.my /bn, you will be asked to create a Personal Assurance message (PAM). This Personal Assurance message will be displayed every time you transact on a 3D Secure merchant site. The merchant site is an authentic site only if the same Personal Assurance message is displayed. Please note that if you register for 3D Secure during online shopping, a Personal Assurance message will be automatically created for you.