Frontwave Credit Union 2021 Annual Election

One of the benefits of being a member of Frontwave Credit Union 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
support@directvote.net 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 San Diego 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 California 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 loan 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 Southern California, 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 as a Frontwave Volunteer as both an Associate
Board member and as a Director 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, financial services 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 Valley.
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.