Frontwave Briefing | Fourth Quarter 2021

Briefing frontwavecu.com

Fourth Quarter 2021

the military. If that isn’t a winning combination, I don’t know what is. Speaking of serving our Members for nearly 70 years, in 2022, we’ll get to drop the “nearly” as we officially celebrate our 70th anniversary. A lot of things have changed since 1952, but one thing that hasn’t changed is our commitment to our Members. Everything we do, from the products and services we offer, to the workshops we host, to the community events and organizations we sponsor, it’s all about supporting our Members and our community. So it should come as no surprise that Members (you!) will be a big focus of our 70th anniversary celebration. Be sure to stay tuned for details! As we enter the final quarter of the year, I encourage you to take advantage of everything we offer to make sure your financial house is in tip-top shape. Now’s a good time to take a look at where you stand and where you want to go over the next 6-12 months. Want to build your savings? Opening up a Share or Saver Certificate can help you get there faster. Hoping to get into a new home? Check out one of our upcoming award-winning home buying seminars. You’ll get all the tips and tricks you need to know. And of course, we’re standing by when you need financing for that new place. If you’re not quite sure where to start, that’s OK, too. Did you know we offer free financial checkups? Simply swing by a local branch or give us a buzz at 800.736.4500 and we’ll hook you up with one of our friendly financial experts. Whatever your goals, remember to dream big. We got you!

You Spoke. We Listened! 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’ve added the option to easily add a savings account, certificate, or money market account right inside online banking. Just tap on “Quick Apply” in the menu, then click on the “Add an account” banner (look for the piggy bank). • We revamped the process of updating notifications in online banking to make it quick and easy. Simply click on the “Alerts” icon in the “More” menu to add, remove or change notifications for everything from automatic withdrawals and debit card transactions, to direct and mobile deposits. • We made it possible to view or hide your full account number in the Account Details tab on the Frontwave mobile app. Got any other 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!

Bill Birnie, President/CEO Notes from the CE0

I’m excited to share some outstanding news with you this quarter – Frontwave was awarded Credit Union of the Year for 2020 by the Department of the Navy! We received this honor for the distinguished service and financial education our Frontwave crew provides to Marines, Sailors and civilians aboard Camp Pendleton. It’s the fifth time in the last seven years we’ve been honored with this award (with previous wins in 2014, 2015, 2016, and 2017), and it’s great to be back on top. We’ve been serving Marines and Sailors for nearly 70 years, and we do it well. Scratch that. We do it the best. In 2020 alone, we made over 55,000 Marine connections for group and individual training and education. We don’t just give our Members a place to bank, we help make their financial dreams come true. We give them the tools and education they need to achieve financial success both in and out of Annual Meeting The Annual Meeting and election of

officers for the Board of Directors (Board) and Supervisory Committee (Committee) of Frontwave Credit Union will be held March 30, 2022 at 5:00 pm at Frontwave’s Corporate office:

1278 Rocky Point Drive Oceanside, CA 92056

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