BB&T Association Services Online Payment System Sample Screens Revised 04/16/2012

Associations can accept payments from our website through BB&T Association Services’ optional Online Payment System. Our online payment system allows associations that have entered into a lockbox relationship with BB&T Association Services to provide more payment options to homeowners. From the main page of the BB&T website, BBT.com, homeowners click Association Online Payments from the Personal drop down menu to access the Online Payment System.

Make a Card Payment* Homeowners can pay using MasterCard®, MasterCard® Debit Card, Diners Club®, Discover®, or JCB. Payment is processed the following business day.

Make a Payment by eCheck*

Homeowners can pay by a one-time electronic funds transfer by ACH debit from their checking or savings account at a U.S. financial institution. Payment is processed within four business days.

Enroll in Association Pay (ACH)

Homeowners can enroll online for Association Pay (ACH), to authorize recurring electronic funds transfers by ACH debit from their checking or savings account at a U.S. financial institution. When payments are due, the account is debited automatically on the third of the month. If the third falls on a weekend or holiday, accounts are debited on the next business day. Your association receives timely, automatic credit directly to your depository account.

There is no fee to the association or management company to enroll in the online payment system. *Homeowners using the online payment system will be charged a convenience fee for making a one-time payment online by credit card or eCheck. There is no charge to sign up for Association Pay (ACH), a recurring debit to the homeowner’s checking or savings account.

Access through www.BBT.com . . .

Action 1 Access BBT.com 2 Select Association Online Payments from the Personal Services Logon drop down on the home page. Homeowners can also access the Online Payment System by going to bbt.com/payments and clicking the

Pay Now link on the page.

Page 2

Welcome Page . . . The homeowner enters the payment information to make the payment online. The information required should be obtained from the homeowner’s coupon.

Action 3 Enter Coupon Information:

Homeowner enters the following information in the Enter Coupon Information box: Bill Pay Number Serial Number Unit Number

4 The homeowner can click on the Coupon or Statement Example to locate the information needed on their coupon.

5 Click Enter

Page 3

Payment Options Page . . . Once the appropriate payment information is entered, the payment options screen will appear with the options available for the association. Important Note: Options available are based upon what the Management Company or Self-Managed Association signed up for on the Online Payment Agreement.

Action 6 The homeowner selects a method for payment from this screen by clicking the appropriate link.

Credit/Debit Card eCheck Association Pay

7 In addition to selecting their payment method, they can select the Association Pay Cancel or Change form to cancel or change their existing Association Pay. Once they print the form they should complete and send to BB&T Association Services.

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Making a Payment by Credit/Debit Card . . . Make a Card Payment* Homeowners can pay using MasterCard®, MasterCard® Debit Card, Diners Club®, Discover®, or JCB. Payment is processed the following business day.

Action 1 The homeowner selects the Pay with your Credit/Debit Card link from the home page. 2 If the link is not displayed, that unit and/or association is not set-up to accept payments by credit card

through the Online Payment System.

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Card Payment Information Page . . .

Action 3 Review the table to ensure the payment information reflected is for the appropriate property. (If the

homeowner has more than one obligation tied to the property, all obligations will appear.) 4 Check the Pay box to select the payments to make. 5 The homeowner enters the amount in the Pay Amount box for the payment selected. 6 If homeowner is paying for two types of payments, check both Pay boxes. 7 If homeowner is paying for several properties, a separate transaction must be completed for each

property using the information from the separate coupon. 8 Some payments may not be eligible to pay online. These will appear as Not Eligible in the Check to Pay

box. 9 An online payment convenience fee will be added to the total amount of the transaction and charged to

the homeowner’s credit card for payments made by credit card. 10 Homeowner should read the Terms and Conditions. 11 Place a check mark in the box next to I Agree to the Terms and Conditions. 12 The Continue button will highlight. Click Continue to proceed in making payment online. 13 Click the Cancel or Back button to cancel the transaction.

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Card Information Page . . .

Card Confirm Information Page . . .

Card Confirmation Receipt Page . . .

Action 14 Enter Card Information -

Homeowner enters the credit card information in the appropriate fields.

15 Click Continue

Action 16 Confirm Payment

Information - Homeowner should verify information.

17 Click the Submit Payment link to make the payment.

Action

18 Confirmation Receipt Page - Homeowners should print the Confirmation Page for their records.

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Making a Payment by eCheck . . . Make a Payment by eCheck* Homeowners can pay by a one-time electronic funds transfer by ACH debit from their checking or savings account at a U.S. financial institution. Payment is processed within four business days.

Action 1 The homeowner selects the Pay from our bank account one-time through eCheck link. 2 If the link is not displayed, that unit and/or association is not set-up to accept payments by eCheck

through the Online Payment System.

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eCheck Payment Information Page . . .

Action 3 Review the table to ensure the payment information reflected is for the appropriate property. (If the

homeowner has more than one obligation tied to the property, all obligations will appear.) 4 Check the Pay box to select the payments to make. 5 The homeowner enters the amount in the Pay Amount box for the payment selected. 6 If homeowner is paying for two types of payments, check both Pay boxes. 7 If homeowner is paying for several properties, a separate transaction must be completed for each

property using the information from the separate coupon. 8 Some payments may not be eligible to pay online. These will appear as Not Eligible in the Check to

Pay box. 9 An online payment convenience fee will be added to the total amount of the transaction and charged to

the homeowner’s debit account for payments made by eCheck. 10 Homeowner should read the Terms and Conditions. 11 Place a check mark in the box next to I Agree to the Terms and Conditions. 12 The Continue button will highlight. Click Continue to proceed in making payment online. 13 Click the Cancel or Back button to cancel the transaction.

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eCheck Account Information Page . . .

Action 14 Homeowner enters the appropriate information in all fields including checking or savings account

number and bank routing number. 15 Click Continue

Page 10

eCheck Authorization Page . . .

Action 16 The homeowner will receive an Authorization to authorize payment information. Homeowner should

verify information and click the Submit Payment link to make the payment.

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eCheck Receipt Page . . .

Action 17 eCheck Receipt – An eCheck Receipt will display. Homeowner should print the eCheck Receipt page for

their records.

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Association Pay (ACH) Online Enrollment . . . Enroll in Association Pay (ACH) Homeowners can enroll online for Association Pay (ACH), to authorize recurring electronic funds transfers by ACH debit from their bank account at a U.S. financial institution. When payments are due, the account is debited automatically on the third of the month. If the third falls on a weekend or holiday, accounts are debited on the next business day.

Action 1 The homeowner selects the Association Pay Online Enrollment link. 2 If the link is not displayed, that unit and/or association is not set-up to accept enrollments for

Association Pay online through the Online Payment System. 3 If the homeowner is already enrolled in Association Pay for the obligation they entered, a pop up

message will display notifying them they are already enrolled. Homeowner will not be able to continue. Homeowner should click OK and then Cancel or the Back button.

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Association Pay (ACH) Payment Information Page . . .

Action 3 Review the table to ensure the payment information reflected is for the appropriate property. (If the

homeowner has more than one obligation tied to the property, all obligations will appear.) 4 Check the Enroll box to select the payment obligation to enroll in Association Pay. 5 The amount debited from the homeowner’s account and the frequency will be for the payment amount

and frequency provided by the association or management company. 6 If homeowner is enrolling for several properties, a separate transaction must be completed for each

property using the information from the separate coupon. 7 Some payments may not be eligible for Association Pay. These will appear as Not Eligible in the Check

to Enroll box. 8 If the payment obligation is already set-up with Association Pay, the homeowner will receive a pop up

message that informs them the payment is already set-up on Association Pay and will include instructions on how to Change or Cancel the Association Pay.

9 Homeowner should read the Terms and Conditions. 10 Place a check mark in the box next to I Agree to the Terms and Conditions. 11 The Continue button will highlight. Click Continue to proceed in enrolling in Association Pay. 12 Click the Cancel or Back button to cancel the transaction.

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Association Pay Account Information Page . . .

Association Pay Date of First Debit Page . . .

Action 13 Homeowner enters the appropriate information in all fields including checking or savings account

number and bank routing number. 14 Click Continue

Action 15 Using the Select Start Month/Year drop down box the homeowner should select the next

available Month/Year to begin their recurring debit. 16 Click Continue

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Association Pay Authorization Page . . .

Action 17 An Authorization page will display. The homeowner should verify information. 18 Click the Print Authorization link to print the authorization. 19 Click the Submit Enrollment link.

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Association Pay Receipt Page . . .

BB&T. Member FDIC Revised 04/16/2012

Action 20 Click the Print button to print the Association Pay Authorization Receipt.

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