Frontwave Briefing | Fourth Quarter 2023

Fourth Quarter 2023

frontwavecu.com

We believe that the journey to financial success is best traveled together, and we’re honored to be by your side. Also, I want to highlight the outstanding work of our Goodie2Crew to support our communities. The Goodie2Crew staff continues to spread joy and smiles everywhere they go. Most recently, they surprised the Wildomar community with free ice cream at Paleta Bar! That’s on top of paying for groceries at a local supermarket, raising funds for the Humane Society, and supporting a commemorative Honor Wall honoring our Service Members at Operation Appreciation earlier this year. And they’re just getting started. We encourage Members to follow along on social media to stay updated on their surprise visits. It’s just one of the many ways we give back and reinforce our commitment to being a “force for good” in the communities we serve. Construction of the Frontwave Arena is moving forward at a brisk pace and we anticipate a grand opening in the second half of 2024. We couldn’t be more proud of what this facility represents. It will serve as a community hub, bringing numerous entertainment and sporting events to Oceanside and all of North County. We look forward to creating even more opportunities for connecting with our amazing communities as we work towards the official grand opening. As we head into the final months of the year, let’s continue making waves together, reaching for new heights, and celebrating milestones along the way. Because when we come together, there’s no limit to what we can achieve. Thank you for being a part of the Frontwave crew and remember, WE

When we say we want to do everything we can to make your Frontwave experience great, we mean it. We value the feedback you give us, and take action to make improvements. Thanks to your input: • We launched a new Quick Apply Experience for adding a Savings Account to an existing membership instantly. We’re not the only ones excited about this latest update. Check out some of the feedback we’ve received in our Member survey: You Spoke. We Listened!

Notes from the CE0

Bill Birnie, President/CEO This summer has been one for the record books! I am thrilled to share all the amazing things we’ve accomplished and some of the exciting things on the horizon. First, congratulations to all the lucky winners of our Summer of Fun Visa giveaways! Our Frontwave Visa Credit/ Debit card holders had the chance to win some incredible prizes over the summer, and, without a doubt, the excitement was palpable. The lucky Frontwave Members walked away with free gas for a month, a 4-pack of Disney tickets plus $500 spending cash, a whopping $3,500 vacation getaway, and even $500 weekly grocery giveaways! But our commitment to you extends far beyond giveaways. At Frontwave, we are dedicated to helping you achieve your financial goals. Whether it’s providing credit options tailored to your needs, offering competitive loan rates, or guiding you through your home purchase. We’re here to help you make your financial dreams come true!

Excellent banking app! Does everything I need it to do.

– Dan L

Solid app. It doesn’t crash, easy access to pay my credit and monitor my bank. – Andrew C

We’re constantly working to improve and innovate, finding new ways to make your digital banking experience smoother and easier. If you have feedback for us, we want to hear it! The next time you get a survey from us, we really appreciate you taking a few minutes to tell us how you feel. Thanks for your Membership! Stay in Touch We love connecting with our Members, sharing how we’re supporting our communities, and saying thank you for your Membership with special giveaways! Join our social media communities to get the latest on Frontwave news and happenings, financial education tips, chances to win great prizes, and more.

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