SECURITY

Security is a key concern for all parties when transacting online business. At Our Payment Gateway, we have ensured you have no worries on this front as you expand Ouroperations in cyberspace. Listed here are our key security measures:

Handling Our Customers' sensitive data
· Our Payment Gateway adopts stringent security measures to ensure that critically sensitive information, such as Ourcustomer's personal information and their credit card details, are protected.
· Our customers' entire credit card Authorization is done using through High End Secure Payment Gateway.
· Our customers enter all their personal information and credit card details on Our Payment Gateway's secure server and the same is encrypted before it is transmitted over the Internet to the payment gateway.

Secure technologies for Our Payment Gateway's server
· Our Payment Gateway's server is behind security firewalls to ensure maximum protection of Our customer's details. This guarantees that Our information is inaccessible to any third party.
· Our Payment Gateway uses industry-standard SSL (Standard Sockets Layer) Technology, which is used worldwide, for this data encryption.
· Our Payment Gateway also follows strict in-house security guidelines for ensuring confidentiality of Our customer information.
· Since the Payment Gateway application software is maintained at The Bank's secure high end server, new payment technologies, standards and features are automatically implemented as they emerge. The payment gateway is integrated with risk management component, which empowers them with the ability to control risk effectively. These robust risk management tools and fraud filters include:

1) Risk Management Rules and Parameters.
2) Negative Files.
3) Risk Management Queries, thereby making Our E-commerce transactions safe and confidential.

Internationally Certified Security standards
Our Payment Gateway is registered with Verisign, the world's best and most trust worthy Net Authentication Agency.

ADDED SECURITY

What is Card Verification Method (CVM)?
The Card Verification Method, or CVM , consists of a 3 or 4-digit numeric code that is printed at the back of the credit card along with (after) the credit card number, where the card holder signs in his signature on the card. This additional 3 or 4 digit numeric code is not embossed on the card nor available in the magnetic stripe. This additional

3 or 4 digit is code is featured / incorporated on all Master Cards and Visa cards issued worldwide, including cards 'Valid only in India and Nepal'. Visa calls this security feature as CVV2 and Master Card calls it as CVC2.

Why CVM?
The purpose of CVM is to ensure that the person submitting the transaction is in possession of the actual card, since the code cannot be copied from charge slips / receipts or skimmed from the magnetic band. Our Payment Gateway requests Ourcustomer to provide this numeric code for Ourorder and submits it with the authorization through the Citibank gateway. The card processor (i.e. Visa or Master Card) will then validate the code supplied with the number on record for the specific card, and return a match/no-match response.

Securing Our customers
According to a Gartner Group survey, 98% of the credit card numbers that the hackers / fraudsters are able to collect, are through charge slips thrown away by retailers / restaurants / Shopping Malls etc., which contains the Card Holder's Name, the 15 or 16 digit credit card number and the expiry date. This extra 3 or 4 digit numeric code is not printed anywhere in the charge slip. Therefore the hackers / fraudsters cannot use these credit card numbers on CVM-validated transactions.

World Wide statistics have shown that fraud rates on transactions with verified CVM codes have been significantly lower than those for transactions without CVM (fraud rates on CVM-validated transaction are reportedly 90% lower than those for non-CVM transactions). The Card Verification Method process is an expensive proposition for the payment gateways and is therefore not incorporated by any Payment gateway in India with the sole exception of Citibank.