One of the benefits of being a member of Frontwave is the opportunity to guide the future of our organization. Make your voice heard by participating in our upcoming 2021 election of officers for the Board of Directors (Board) and Supervisory Committee (Committee).

Active members with a valid email address on file will receive an email with an electronic ballot link on February 24, 2021. Active members may request a paper ballot by calling 952.974.2339 or emailing [email protected] no later than February 19, 2021. Electronic and paper voting will close on March 24, 2021. We encourage you to make a difference by casting your vote.

Frontwave Credit Union 2021 Annual Election Please note: The candidates’ bios may not appear in the same order as listed on the ballot.

Candidates for Board of Directors

SALLY L. ARNETT Mrs. Arnett came to the Board of Directors as an Associate Director of Pacific Marine Credit Union, now known as Frontwave Credit Union, on November 30, 2011. On March 28, 2012, she was appointed as a full Board Director. She served until November 2017. As a board member, Mrs. Arnett chaired the Required Education Committee and the Nominating Committee. She participated on the CEO Compensation Committee and actively contributed to other strategic committees. Mrs. Arnett earned the Credit Union National Association, Inc. (CUNA) Certified Credit Union Volunteer (CCUV)’ National Association of Federally-Insured Credit Unions (NAFCU) Certified Volunteer Expert. Her affiliations consist of: Sustainer, Junior League Riverside; and Alumna, Kappa Delta Sorority. Additionally, she is an Alumnus of Golden Gate University and State University Alumni Associations. Her education includes earning a Master of Business Administration, Marketing degree from Golden Gate University and a Bachelor of Science, Business Management, Personnel degree from San Diego State University. In 2020, approved to be a Financial Industry Regulatory Authority, (FINRA) Arbitrator. As an engaged volunteer, Mrs. Arnett is committed to serving our membership in a strategic leadership role. She believes in members helping members. Candidate Statement: Vote for Sally L. Arnett. I believe in members helping members. For six years, I represented our members on the Pacific Marine Credit Union Board of Directors, now known as Frontwave Credit Union (FWCU). During my time on the Board of Directors, I developed a strong understanding of the duties, responsibilities, knowledge to be an effective Board Member. I live in San Bernardino County and feel fortunate to work with an outstanding group of people within FWCU and the three counties. I am committed to serving the membership in a strategic leadership role. If elected, I will work for the best financial products and services with the most competitive rates. I ask for your vote, so I can be part of the winning group that is still destined for more greatness. Thank you for the opportunity and look forward to representing your needs. ************************************************************************************************************************************************* IAN CHERRY My name is Ian Cherry. I am running for the Frontwave Credit Union volunteer Board of Directors. I believe financial literacy, opportunity and success should be available to all members and more Californians. I am the proud parent of a son and daughter. Both attended public schools and are attending California public colleges. As a lifelong military and federal government professional, I have always served with humility and gratitude. Listening, learning and keeping an open mind are my foundational values. As a volunteer Board of Directors member, I will ensure our member’s best interest are served. I will look for opportunities to grow, using new and innovative technologies (digital wallets). I will make certain all regulatory and compliance regulations are met. This is the approach I will bring as your volunteer Board of Directors. The world has changed. I want to make our members life easier, not harder or more complicated. Thank you for your consideration. Sincerely, Ian G. Cherry ************************************************************************************************************************************************* MARC DUDZIK My name is Marc Dudzik and I have lived in San Diego for over 45 years. I am a commercial real estate agent, but I also love to volunteer my time in the community with various organizations. I have been in commercial real estate for over 30 years and I have been with the same company for 27 of those 30 years. I will make the same long-term commitment to Frontwave Credit Union members and the other Board members if elected. I have been a member of credit unions for over 35 years and when I heard that a position on the Board was available, a passion grew within me that led me to apply, believing that I can bring valuable knowledge and experience to the Board and its members. Every day in my profession, I listen to my client’s specific needs, challenges and desires and look forward to being able to help them achieve their objectives. Many times, I must look outside of the box and get creative to achieve that result for them. I think this is the very fact that makes me a highly qualified candidate for a Board member. Secondly, in working with many different types of businesses, and helping them on a daily basis, exposes me to a lot of new ideas that can be shared with the Board members. I believe that these experiences, and my strong work ethic, have prepared me to be a Board member that can bring value to Frontwave and its members. I am grateful for your consideration to be elected as one of your Board members, and if elected, my desire is to serve you to my fullest ability. ************************************************************************************************************************************************* LEANDRO FESTINO Leandro Festino is an active leader at Board and Committee meetings, equally capable of working with both Trustees and Staff, bringing decision makers together to make effective investment choices. He has nearly 20 years of experience working with a variety of retirement plans, endowments, and foundations. He has a demonstrated track-record helping clients set investment policy and asset allocation, and reviewing and selecting managers and products in traditional and alternative asset classes. He has spoken at over 40 conferences and events in a variety of investment topics. Mr. Festino received a Master’s Degree in Business Administration from Boston College, as well as a Bachelor of Arts degree from the University of Evansville, majoring in economics and mathematics. He was also an accomplished tennis player, attaining a world ranking in the ATP Tour. Candidate Statement: Originally from Argentina, my tennis career brought me to America in the 90s, and a work opportunity got me to San Diego in 2004. I live in Carlsbad with my wife and three children, and believe in giving back to my community, both financially and with my time. I presently serve as a Trustee at the University of San Diego, where I chair the Investment Committee. I also serve on the Finance and Executive Committees. In the past, I also volunteered in multiple Board roles at the CFA Society of San Diego, including serving as its President. I would be honored to serve in the Board of Directors at Frontwave Credit Union. I have nearly two decades of experience working with dozens of Boards and Committees across a multitude of matters, including audit, policy, governance, finance, investment, and diversity and inclusion. I have also the time and energy to devote to this Board. I trust my unique background and knowledge will be additive to the Board and help advance Frontwave’s mission and values. Our community needs a strong local credit union that will support its members (all of them) better than any other. This will be my focus, and is my commitment. ************************************************************************************************************************************************* GARY GREVING Mr. Greving has been a member of the Board of Directors of Frontwave Credit Union since 2009. He has served as Treasurer, Board of Directors and on numerous committees to include the Budget Committee, CEO Compensation Committee, Pension and Personnel Committee and Inspector of Election. A Veteran of the United States Marine Corps, Mr. Greving holds a Bachelor of Science in Business Administration Degree with an emphasis in Finance from California State University San Marcos, and a Master of Science Degree in Accountancy from San Diego State University. He holds numerous certifications, including a Project Management Professional (PMP) from the Project Management Institute, and the Volunteer Achievement Program from the Credit Union National Association. Mr. Greving currently serves in the Growth Office of a global provider of information technology services and solutions to Government clients. He has over twenty-seven years of experience managing people and projects around the world. An active member of the San Marcos community in which he resides with his wife and 2 children, Mr. Greving volunteers as President, Board of Directors for Mission Park HOA, is an active member of San Marcos Community Emergency Response Team, and is a cheer/soccer/t-ball Dad on the weekends. Candidate Statement: I joined this Credit Union in 1995 as a young Marine applying for my first car due to the great rates and great service I had heard about. Fast forward a few cars, a few homes and a couple of kids, and I am still a member of this Credit Union, receiving that same great service and those same great rates. This positive experience was my motivation to join the Board of Directors, providing responsible oversight, and ensuring this organization will be providing these valuable services for generations to come. I am proud to serve as your elected representative on the Board, from my bio you can see that I am uniquely qualified for the job, and I would greatly appreciate your vote in the upcoming election.

Thank you for your consideration! Gary Greving Boardmember Frontwave Credit Union ************************************************************************************************************************************************* JOSHUA JACOBS I enlisted in April of 2007 and deployed twice before reaching three years of service. In 2009, I served as the Supply Chief for 1/5 (1st Battalion, 5th Marines) during our deployment to Afghanistan despite only two years of service and holding the rank of Corporal – where I built and managed the infantry battalion’s ~$120M supply account. Honorably discharged, I immediately enrolled at USC where I earned a B.S. in Business Administration and a Master of Accounting degree. I was elected President of the USC Veterans Association and later served as the organization’s Executive Advisor. Successful initiatives under my tenure included veteran priority registration; unlimited undergraduate Yellow Ribbon scholarships; and establishing a Veterans Resource Center. After graduation, I joined PwC as a member of their M&A (Mergers & Acquisitions) Advisory practice and worked on numerous high-profile deals across multiple industry sectors for 5+ years. In 2019, I left PwC to become the VP of Finance for a global leader in video surveillance solutions and directly supported its successful sale to a large, publicly held company the following year. Most importantly though, I am the husband of an amazing woman and the father of a precocious toddler who is already growing up too quickly. I currently hold one other board position with USC’s Leventhal School of Accounting and welcome the opportunity to serve Frontwave’s membership with similar passion and engagement. Candidate Statement: As a member of Frontwave Credit Union since 2007 – when I first stepped onto the famous “yellow footprints” – it is an honor to be a candidate for your consideration in the 2021 Board of Directors election. As an enlisted Marine who became a Trojan; a PwC alumnus who serviced multiple Fortune 500 companies; and now the VP of Finance for a global leader in the video security space; I hope to bring a unique perspective to the Board of Directors. What excites me the most is the opportunity to give back in a way that is personally meaningful, as this position intersects so many cherished life experiences and the communities in which I intend to continue serving. ************************************************************************************************************************************************* JOHN A. KARDOS John A. Kardos, proprietor of JAK Enterprises, is a seasoned senior financial, operational and relationship executive with a proven track record of increasing net income and shareholder value while building a cooperative team for startup and growth-oriented organizations. John has a rich and varied career in banking and professional services. He worked in the banking industry for more than 30 years, managing billion-dollar balance sheets and increasing shareholder value, while creating a successful and high performing culture. After working in the financial field and successfully exiting the banking profession, John decided to branch out on his own, starting JAK Enterprises, a supply chain business working exclusively with the US Naval Shipyards worldwide. He assists procurement officers with specialty items unique to the military. His regulatory experience assists him in dealing with contract compliance requirements within the regulatory environment of governmental agencies. Annual sales have ranged from $500,000 to $850,000. With his banking, regulatory, and compliance work, John has a depth of hands on experience in the following areas: Financial & Organizational Relationship Management Strategic Planning Regulatory Compliance Management ALCO/IRR/Liquidity Management Wall Street Relationship Management Organizational Development Liquidity Relationship Management Start-Up/New Venture Expertise Bond Portfolio Management Leadership Board of Director Committee Chair Executive Team Leadership Roles John is an avid wine collector and is known by many of the smaller, boutique wineries in the Napa and Sonoma area. He has a daughter with Down Syndrome and has taken an active role in her development and the support community. John has had leadership roles on the boards of the San Diego Down Syndrome Association, Poway Community Advisory Committee and the Los Angeles Down Syndrome Association. Currently he is actively pursuing opportunities to join financial industry boards or other financially-related advisory positions. ************************************************************************************************************************************************* MICHAEL McCARTHY Mr. Michael McCarthy has been a member of Frontwave Credit Union since February 2011 when he graduated from Marine Corps Recruit Depot – San Diego. After four years of active duty, Mike relocated to his home state of Illinois and earned a BA in political science, an MBA in finance, and an MS in accounting. He resides in Chicago, Illinois full time and works in the Cook County budget office primarily managing the county’s $2.2 billion Medicaid program. Mike continues to use Frontwave Credit Union because of the convenience and outstanding service. Mike is running for election the Board of Directors because his experience in financial management, financial markets, and government regulation will be beneficial to Members. He would bring energy and enthusiasm to discussions with management about our strategic direction. Frontwave faces the enviable opportunity of growing beyond its current state, but expansion just for the sake of expansion is not necessarily a good use of resources. Any decision to stretch Frontwave operations must consider Member priorities. Mike would emphasize listening to Members, balancing interests, and always keep the question “How will this make Members of Frontwave better off?” at the front of any debate over ideas. Transparency, education of employees and Members, and cooperation would be the themes of Mike’s tenure on the Board of Directors. Sharing information is not effective if people cannot understand it and working together will provide greater returns for Frontwave Members. ************************************************************************************************************************************************* JOSEPH MITILIERI Joseph Mitilieri brings to FRONTWAVE Credit Union a passion for pursuing the highest level of customer experience to help bridge the gap between customer expectation and organizational execution to drive transformation and manage customers as our most important assets. Mr. Mitilieri currently serves as a customer experience & strategy consultant in a multitude of industries and organizations. He received an M.B.A from the University of , a Bachelor of Science from Elmhurst University, a certification of Leadership from the Elmhurst Management Program, and has received accreditation as a Certified Customer Experience Expert. He has earned a Board of Directors Award from CUNA (Credit Union National Association) and continues to participate in CUES learning seminars; most recently completing the Strategic Growth Institute held at the University of Chicago’s Booth School of Management. Candidate Statement: Thank you for allowing me to serve on the FRONTWAVE Board of Directors since 2016. With my family’s history of military service and as an uncle of a recently enlisted Marine, I am asking for your vote to allow me to continue as a Director whose purpose is to fight for the needs of our members and the communities we serve. I promise to apply our mission of “100% commitment with zero excuses” to every action and decision I make while serving on this board. My continued intent as a Director of the Board is to blend my leadership training gained while earning my M.B.A. from the University of Southern California with my extensive executive experience to capture the best interest of our members and influence an environment of customer focused thinking to elevate our ability to exceed the expectations of all our members, increase the performance of the organization, and set us apart from competition. Thank you for allowing me to serve on this Board, and I would greatly appreciate your vote to continue fighting for your needs and values as a Director serving FRONTWAVE Credit Union. ************************************************************************************************************************************************* WILLIAM SHUTE William Shute, Frontwave’s Supervisory Committee Chairman, has served the credit union since 2018, when he was appointed to serve as a member of the Supervisory Committee. He was elected Chairman in January of 2019 and has actively served to protect member assets and ensure Frontwave Credit Union members receive the best possible service ever since. “This is when you give back. Like many of Frontwave’s members, I take great pride in my military service, as well as the executive management experience earned providing technology services to both the public and private sectors” stated Mr. Shute. “This combination of industry experience and desire to help Frontwave Credit Union be the best it can be for its membership and their families now and in the future is what motivates me to ask for your vote to become a new member of Frontwave’s Board of Directors.” Mr. Shute has spent the past three decades in the technology, defense, and information governance industries after serving overseas as a Czech and Slovak linguist in a Military Intelligent unit. He currently works as a partner and program executive in a California-based technology company serving large financial services customers, as well as state and federal clients. Prior to his current role, Mr. Shute served as Chief Strategy and Marketing Officer for a cloud-based Fintech company, while also serving as President of its Payment Services subsidiary. In addition to his rich business acumen, Mr. Shute is a member of the American Legion, has lived in San Diego County for over 20 years and serves as the current Chairman of the Rainbow Municipal Water District’s Communications and Customer Service Committee. Mr. Shute holds a business degree from California State University-Fullerton, Mihaylo College of Business and Economics and is a graduate of the Defense Language Institute in Monterey, California.

Candidates for Supervisory Committee

KIT J. GARDNER I am pleased to run for one of the seats on the Supervisory Committee of Frontwave Credit Union. I have already served for approximately three years on the Committee, and am therefore very familiar with its function, goals, and duties. I am a lawyer with more than 25 years of experience working with businesses and financial institutions. During my career, I have represented many banks and credit unions, published many articles, and sat on various boards and committees. You can read more about my legal education and experience at www.gardnerlegal.com. I have also worked for many years in the credit union movement, including in leadership roles. For example, from 2012 to 2017, I served on the Board of Directors of another local credit union, North Island Credit Union. For two of those years, I served as its Vice-Chairman as we completed many initiatives, including a complex merger with another credit union. In addition, I have advocated in Washington D.C. and Sacramento for changes in laws and regulations that benefit credit unions nationally and statewide. Finally, I have successfully completed credit union volunteer training at the distinguished Credit Union Executive Society’s (CUES) Governance Leadership Institute. If elected, I will continue to bring my experience, dedication, and enthusiasm to Frontwave’s Supervisory Committee, where I will proudly continue to assist the Committee in helping ensure the safety and soundness of our credit union. ************************************************************************************************************************************************* ADAM GRAJEWSKI I am a corporate attorney and former Marine currently residing in Crown Point. After enlisting in the Marine Corps from my home state of Michigan, I knew I had found my new home upon reporting to San Diego for my first assignment. I was fortunate to remain stationed in Camp Pendleton during my five years of active duty. Fast forward eleven years from the beginning of my Marine Corps journey and there is still nowhere else I would rather live. My MOS (military occupational specialty) in the Marine Corps was 1371 – Combat Engineer. I deployed on a Marine Expeditionary Unit to the Middle East and Southeast Asia, and separately in support of Operation Enduring Freedom in Afghanistan. I was awarded a Purple Heart for wounds suffered in combat in Afghanistan. I decided I would leave the Marine Corps at the end of my enlistment to finish my education. I used the GI Bill to finish my bachelor’s degree at Michigan State University and my juris doctor degree at Georgetown University Law Center. Today, I help companies and financial institutions of all sizes accomplish their business goals. My law firm, Wilson Sonsini Goodrich & Rosati, is in Carmel alley.V In my free time, I love hiking and enjoying the outdoors with my two rescue dogs. You can find me in every corner of San Diego County searching for the best food and most exciting new restaurants. Candidate Statement: I have been with Frontwave Credit Union since 2009. I have used and benefited from a number of its products and services. I have seen that, in many cases, Frontwave is the first relationship with a financial institution a young Marine will have. For this reason, Frontwave has a great responsibility to provide dynamic and high-quality products and services to our nation’s warrior class. This should be seen as both a duty and an opportunity. As someone who has been in the shoes of those young Marines and now stands as a proud member of the San Diego business community, I am especially qualified to help lead Frontwave into the future. ************************************************************************************************************************************************* WILLIAM HART I am William Hart, candidate for a position on the Supervisory Committee. I am a Certified Public Accountant and have over 15 years experience in Finance and Accounting. I started my career as an auditor performing contract audit services for Credit Union Supervisory Committees. While that was over 30 years ago, I believe that this experience has provided me with a good background on the purpose of the Credit Union’s Supervisory Committee. About 15 years ago, I moved from Finance and Accounting to Information Technology; I am currently a Product Manager for software designed specifically for the unique needs of Food Banks. I graduated from California State University San Bernandino with a degree in Public Accounting and after living in several other states, we returned to California about 8 years ago. We have four cats and love living in Yucca Valley. I believe that Credit Unions exist to serve their members and the Supervisory Committee is a critical component in assuring members that they can trust the Credit Union with their finances. As a member of the Frontwave Supervisory Committee, I will ensure that the Board of Directors is appropriately safeguarding assets and that management complies with established practices and procedures to safeguard the members’ assets. ************************************************************************************************************************************************* ROBERT (BOB) C. ROSS Bob Ross has been a member of Frontwave’s Supervisory Committee for the past 2 years. Bob attended a major Supervisory Committee Conference, completed the prestigious Credit Union Volunteer Achievement Program and other courses which have broaden his knowledge and understanding of credit union operations and his duties and responsibilities as a Supervisory Committee member. Bob is the past President of the MCRD San Diego Museum Foundation Board and current President of the Pendleton Memorial Golf Association, both positions require his many and unique business skill sets. Bob is a Marine veteran, retiring as an MSgt Telecommunications Chief in 1987. Using the skills he learned in the Marine Corps, he became the Site Development Manager for PacTel Cellular (now Verizon). His critical thinking, problem solving abilities and team player skills enabled Bob to be an integral part of the team that installed and turned on the first 5 cell sites in San Diego County. Bob continued his career in cellular service as the VP of Operations for JNB Telecom, overseeing the design and installation over 9,000 cell sites and seven switching facilities across the country, which required financial management skills rarely found. Bob also always kept the wellbeing and best interests of the field installation teams in mind, limiting deployments to 14 days and ensuring they had time at home. Bob uses these same principals in looking out for the best interest and wellbeing of Frontwave members. Bob has also volunteered as Chairman of the Oceanside Telecommunications Committee for the past 25 years; Vice Chairman of the San Diego County Telecommunications Committee for 10 years; and as a Planning Commissioner for Oceanside for 4 years. After his retirement in 2011, Bob joined the Center for Municipal Solutions, an organization which provides the development of Telecommunications Ordinances and Wireless Application reviews for over 1,000 communities across the country. Bob is asking you to re-elect him to the Supervisory Committee, so that he can continue to serve and ensure the best interests of Frontwave Credit Union members are being observed, as well as the financial safety, soundness and security of the Credit Union.