Prior to leaving the country, here are some things to consider:

• Set up an automatic transfer from Landmark or your current financial institution to make the payment each month.
• Consider adding a Power of Attorney to your account to handle your finances and make your payments while you are out of the country.
• Repay the loan in full before you go.
• If you will have internet access while away, you can make payments through Digital Banking.

Please contact us to discuss any other arrangements which may need to be made.

If you notice an automatic withdrawal from your account that you do not recognize, contact us or visit one of our branches right away so we can look into the situation.

You can pay your credit card online in Digital Banking (online or mobile app) or by doing a one-time guest payment using an external bank account or debit card.

Option 1: Through Digital Banking

• Log into Digital Banking.
• Hover over "Pay & Transfer" from the top navigation.
• Click "Transfers & Loan Pay."
• Choose a "From Account" you want to make your payment from in the drop-down.
• Select "Add An Account" to pay from an external account.
• Choose your credit card from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Click the "Review Transfer" button.
• Make sure everything is accurate, and then click the "Submit Transfer" button.

Option 2: Through the Mobile App

• Log into the Landmark app from your phone.
• Tap the "Money Movement" icon on the bottom navigation.
• Tap "Pay a Loan."
• Choose a "From Account" you want to make your payment from in the drop-down. Select "Add Account" to pay from an external account.
• Choose your credit card from the "To Account" drop-down.
• Choose the amount you want to pay from the "How Much" drop-down. You'll see options such as regular amount, amount due and "other" for a custom amount.
• Under "When" choose the frequency. You can make a one-time payment or set up recurring payments.
• Add a memo, if you like.
• Tap the "Review Transfer" button.
• Make sure everything is accurate, and then tap the "Submit Transfer" button.

A home equity loan and a home equity line of credit (HELOC) offers two different ways to access funding for repairs, renovations or additional expenses by using your home’s equity. Your home’s equity is calculated using the loan-to-value (LTV) ratio:

Home Equity Loan:

• Provides a lump sum of cash
• Repaid over a fixed term
• Consistent monthly payments
• Fixed interest rate for the loan duration

HELOC:

• Revolving line of credit to draw when needed
• 10-year draw period
• Operates similar to a credit card with multiple ways to access
• After the draw period you’ll enter a repayment period that can last up to 15 years
• Interest only payments during the draw period
• Interest and principal payments during the repayment period
• Variable interest rate

A HELOC provides flexibility and the ability to access funds when needed, while home equity loans offer a fixed lump sum with consistent monthly payments. Choosing one over the other depends on your financial goals and preferences. You can talk with a personal finance officer to find out which one is best for you.