The Personal Greeting is created by you during the registration process, and will be displayed back to you when you are prompted for your password during Verified by Visa password verification at checkout. The Personal Greeting was designed to reduce the risk of fraudulent merchants presenting false credentials to unknowing Internet users in order to gain access to personal financial information. So when the Verified by Visa password window prompt includes your Personal Greeting, that gives you more assurance that it is actually Verified by Visa asking you for your password, and not someone else masquerading as Verified by Visa.