AMENDED AND RESTATED
ARTICLES OF INCORPORATION
FRONTIER FINANCIAL CORPORATION
Frontier Financial Corporation, a Washington corporation, by its President, hereby submits the following
Amended and Restated Articles of Incorporation of said corporation, pursuant to provisions of RCW
23B.10.070, and a resolution duly adopted by the Board of Directors on February 23, 1998 and the
shareholders on April 16, 1998. These Amended and Restated Articles of Incorporation supersede the original
Articles of Incorporation and all amendments and prior restatements thereto as of the date of their adoption.
ARTICLE I. NAME
The name of the corporation is Frontier Financial Corporation.
ARTICLE II. PURPOSES AND POWER
This corporation is organized to engage in any business, trade or activity which may lawfully be conducted by a
corporation organized under the Washington Business Corporation Act. This corporation shall have the authority
to engage in any and all such activities as are incidental or conducive to the attainment of the foregoing purpose of
this corporation and to exercise any and all powers authorized or permitted under any laws that may now or
hereby be applicable or available to this corporation.
ARTICLE III. EXISTENCE
The existence of this corporation is perpetual.
ARTICLE IV. SHARES
4.1 AUTHORIZED CAPITAL
The total number of shares which the corporation is authorized to issue is 60,000,000, consisting of 50,000,000
shares of Common Stock without par value and 10,000,000 shares
of Preferred Stock without par value. The Common Stock is subject to the rights and preferences of the
Preferred Stock as hereinafter set forth.
4.2 ISSUANCE OF PREFERRED STOCK IN SERIES
The Preferred Stock may be issued from time to time in one or more series in any manner permitted by law and
the provisions of these Articles of Incorporation of the corporation, as determined from time to time by the Board
of Directors and stated in the resolution or resolutions providing for the i