Frontwave Briefing | Fourth Quarter 2019

Briefing Frontwave Credit Union Member Newsletter | Fourth Quarter 2019

Real value. For real living. Keep your car. Trade in your loan. Hey, it happens. You pick out a new car, truck or pickup. You’re totally stoked to get behind the wheel, so you sign any old paper the dealer puts in front of you. Halfway home (or maybe months later), you realize that you maybe didn’t get the best financing terms. Good news! Frontwave Credit Union can offer you a do-over. We make it easy to refinance your vehicle with a loan that better fits your financial needs. Refinance before December 31, 2019 and we’ll give you $250!*

Who knew plastic could be so powerful? So you think credit cards are only good for buying stuff? Think again, my friend. Some cards save you tons of money with extra low interest rates. Some earn you cash back, travel deals and other exciting rewards. Some can help take your credit rating to another level. Impressed? Good. Then use all this intel to study Frontwave Credit Union’s Visa® offerings, and pick the card that gets you where you want to go. Now, for a limited time, enjoy 0% intro APR* for 12 months on balance transfers to your Frontwave Credit Card!* *APR = Annual Percentage Rate. Intro APR is 0% for 12 months on balance transfers. Offer valid up to $10,000 or credit limit, whichever is less. Offer valid June 1, 2019 through December 31, 2019. Other restrictions may apply. Offer subject to change without notice.

*$250 Refinance Offer. Existing Frontwave loans are not eligible for this offer. You must make your first scheduled payment in order to receive this offer. $250 will be credited to the primary applicant’s account between 91 and 95 days of the loan origination date. If the auto loan is canceled or paid off in the first 90 days, or the account is closed, the $250 offer will become invalid. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

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Start saving on your insurance today. Frontwave Insurance Services, LLC is a one-stop shop for all of your insurance needs. Call today for a free, no obligation insurance quote and let us find you the best insurance for you at the best price. • Auto & Motorcycle Insurance • Home & Renters Insurance • Term Life Insurance • Identity Theft Insurance • And More! held March 25, 2020 at 5:00 p.m. at Frontwave’s Corporate office; 1278 Rocky Point Drive, Oceanside, CA 92056 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 Transformative! Yup! That’s us. We’re the Dream Makers at Frontwave Credit Union and we’re absolutely passionate and committed to bring value to your financial lives! everything we do. We bring value to your financial lives. In addition to great loan rates and low fees, we are passionate about financial education. We host terrific financial educational sessions at both our Rancho del Oro and Wildomar branch locations. Make sure to check out our website for up-to-date information on our upcoming Preventing Card Fraud, Wills and Trusts, and Home Buying workshops this quarter.

working! The other night I was at a charity event and got to talking with a young lady about the great work the charity was doing. At some point she asked me where I work. When I told her I was with Frontwave Credit Union, she literally burst out with, “OMG! You guys are everywhere!” We are transforming our branch network. The remodel of our Fire Mountain branch is complete and the branch is open! Come check it out! It is beautiful and reflects our commitment to serve our Members with authentic, personalized service! The remodel of our Winchester branch in Temecula is underway and we anticipate it will re-open in December. Winchester will be our fifth branch employing our new branch model that we are very excited about. We’ve transformed our real estate lending. We now offer VA Loans and have a First-Time Home Buyer Program! We are very proud to be funding 1st Trust Deed Loans in less than 30 days! We have transformed our commitment to our communities. For example… I served as Chairman of the Rady Childrens Dream Big 5K Walk in May and we helped raise over $340,000 for this amazing hospital. Our contributions to the Marine bases we serve saved several Marine Corps Community Services programs in support of our magnificent military members and their families. Our title sponsorship of the Oceanside Turkey Trot – to be held on Thanksgiving morning – helps raise funds for over 90 local charities and causes. We’ll see you there!! We have transformed our commitment to you. Our Mission says it all: “We make financial dreams come true.” It is our purpose, our “Why”. It guides

Bill Birnie, President/CEO Transformative, according to Webster, is defined as “causing or able to cause an important and lasting change in some one or some thing.” I can’t believe that it’s been nearly a year since we changed our name! I don’t know about you, but anniversaries make me a little reflective, and when I look back on the past few years – one word comes to mind: Transformative. As you well know, we’ve embarked on numerous data system changes. All designed to better serve our Members. All important, to be sure. However, the most impactful transformation was the change in our culture – the very essence of who we are as an organization. Armed with this transformed culture and the decision to change our name, we selected a name and a brand that is bold, authentic and innovative! We launched the new name on November 13, 2018. Since that date we have been working tirelessly to raise name recognition and brand awareness. We leveraged radio, TV, billboards, buses, digital media and a whole bunch of other stuff to let the world know who we are and what we stand for. And it’s Notes from the CEO

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A Message from the Frontwave Investment Services Program

Upcoming Financial Workshops

Preventing Card Fraud Card fraud is becoming ever more prevalent as we continually seek easier and quicker ways to access our money. As technology changes it is imperative that we all stay up to date on current threats and preventative options. Frontwave’s Sr. Fraud Investigator, Patrick Beaty, will teach you how to protect yourself and your money in a digital world. Join us to better understand what we are up against and how we can help keep you and your money safe. • Tuesday, October 22 @ 6-7pm about, yet we should all be prepared for the inevitable. Just like we are always there for you to make dreams come true, we want to help you prepare your family for life’s toughest transition. Let’s plan ahead and make those tough times just a little easier on your family. Join us for a free seminar where Attorney Ben Diedrich will cover the basics of wills, trusts and estate planning to properly ensure your legacy for the future. • Thursday, November 7 @ 6-7pm Home Buying Essentials There is something magical about holding the key to your own home that puts a smile on your face. Our Home Loan Consultant, Autumn Roose, would love to guide you on your home buying journey. She will lay out the entire home buying process as simply as possible. • Tuesday, December 3 @ 6-7pm Frontwave Wildomar Branch 36290 Hidden Springs Road Wildomar, CA 92595 Frontwave Wildomar Branch 36290 Hidden Springs Road Wildomar, CA 92595 Basics of Wills & Trusts It’s something we never want to think

If you would like to set up an appointment with Kathy Chesney please call (760) 439-6960. There is no cost or obligation for the service... only a great opportunity to help yourself. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value. No Financial Institution Guarantee. Not a deposit of any financial institution. CBSI-1514928.1-0616-0719 This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. 1 - fastcompany.com/90341269/its-time-to-pay- attention-to-the-15-trillion-business-of-growing- old [5/9/19]

Since the year 1992, Frontwave Credit Union has been making a financial management service available to you through the Frontwave Investment Services Program located at the credit union. The Frontwave Investment Services Program is a personal financial management service that can help you identify your major financial goals and objectives, analyze your current financial situation, and recommend alternative methods to help you achieve financial security. With the Investment Services Program, you can have the tools necessary to manage your finances in the face of inflation, taxation, and

other uncertainties of life. Our Investment Services

Representative, Kathy Chesney, has been providing service to our Frontwave memebers and the program has had favorable response.

The Frontwave Investment Services team.

Frontwave Investment Services is offered to our members as a way to help you map out your financial future. Our Advisor, Kathy Chesney will work with your comfort level and financial goals to create an investment timeline that will meet your needs. Regardless of where you are in life, the end result will be a strategy designed to protect, build and use your assets in the most advantageous way. Some of the services provided by our Advisor are: Retirement

planning, general investment management, long-term care insurance, 401 (k) planning, education funding, portfolio managment, and more.

Kathy Chesney Serving: RDO, Fire Mountain, Camp

Frontwave Wildomar Branch 36290 Hidden Springs Road Wildomar, CA 92595

Pendleton, San Marcos, MCRD, SOI, and Pacific Plaza branches

For more details and to RSVP visit frontwavecu.com/workshops.

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Local Lowdown

More Than 5,600 Locations Coast to Coast CO-OP Credit Union “Shared” branches are convenient and easy to find. When you’re relocating, traveling, or need a branch near work, remember Frontwave Members have access to more than 5,600 branches nationwide. For a nearby location, call 888.748.3266 or log on to their website co-opcreditunions.org .

Oceanside Turkey Trot November 28

Frontwave Credit Union is a proud sponsor of the 2019 Oceanside Turkey Trot. This year, be a part of the 5K or 10k walk/run that has it all – scenic and fast course, great costumes, local beneficiaries, and a festive, fun atmosphere. Please visit https:// osideturkeytrot.com to register and for more information. Art After Dark: A Steampunk Halloween October 26 Put Saturday, October 26 on your calendar and get ready for a funky steampunky Halloween party inspired by Brian Kesinger’s characters Otto and Victoria and his Dream It Yourself exhibition. To learn more and buy your tickets visit OMA Art After Dark at https://oma-online.org/aad/ Bike The Coast November 1 Join riders of all levels and ages while experiencing the best of the Southern California beaches and surf towns as you ride routes of 7, 15, 25, 50 or 100 miles. Everything starts and finishes at the Oceanside Pier with food, music, expo shopping and fun! For detailed information please visit the Bike the Coast website at https://www. bikethecoastsd.com Escondido Vetfest November 11 American Legion Post 149, Escondido, California is proud to present the inaugural Escondido Veterans Festival. It will include a parade, art display, patriotic storefront decorating contest, and will culminate with a backyard BBQ and Veterans Day ceremony at the American Legion Hall. All funds raised from the festival will benefit the American Legion Post 149. For more detailed information please visit https://www. escovetfest.org/

Important Notices

Privacy Notice Terms & Conditions

Frontwave’s Terms and Conditions Disclosure has important updates. To receive a copy of the Privacy Policy or Terms and Conditions: • Visit us online: frontwavecu.com/disclosures • Request by mail: Frontwave Credit Union Attn: Audit & Compliance Dept.

1278 Rocky Point Drive Oceanside, CA 92056 • Or request by phone: 800.736.4500

UPCOMING HOLIDAYS Frontwave will be closed in observance of the following holidays this quarter:

CONTACT US

STATISTICAL REPORT As of August 31, 2019: Members: 90,305 Assets: $887,066,680 Total Shares: $753,519,843 Loans Outstanding: $573,881,642

Express Line 800.829.7676 Member Solution Center 760.631.8700 or 800.736.4500 Mon-Fri: 7am – 6pm, Sat: 9am – 4pm Autoland 800.234.6999 Enterprise Car Sales 800.CAR.SALES GreenPath Financial Wellness 877.337.3399 Frontwave Investment Services 760.439.6960 Frontwave Insurance Services, LLC 844.788.0820

Columbus Day October 14, 2019 Veteran’s Day November 11, 2019

Thanksgiving November 28, 2019 Christmas December 25, 2019

Express Line, Online Banking, Mobile Banking, and ATM service will be available as usual.

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