Letter from the President

In 1937 The Bank of Madison opened its doors with a bank charter from the State of Nebraska Department of Banking. Over the last 72 years we have put our customers first, providing quality banking products and high quality customer service.

We are excited to announce that The Bank of Madison changed its name to Frontier Bank. Still keeping our focus on the customer as we look to the future of our bank. Becoming Frontier Bank will allow for growth in other parts of Nebraska that we could not reach before.

For those living in the Lincoln area, Frontier Bank now has a Loan Production Office located at 2641 S. 70th, Suite B, Lincoln, NE 68506.

At our Madison and Norfolk locations you will see physical changes occurring but we will continue to operate as we have in the past. Your contacts at the Bank will remain unchanged and we will continue our tradition of serving the Madison, Norfolk and surrounding communities.

You will also see the new Frontier Bank name on account statements and other forms of communication. However, account numbers will not change and you can continue to use your existing supply of checks as well as your current ATM and Debit cards.

So with that I introduce to you, Frontier Bank....serving the Madison Area since 1937 and now in Lincoln, Nebraska.

We greatly value the relationship with our customers. Our employees and our board are very excited about the introduction of our new bank name and expansion into the Lincoln market. It's more than a name on the building----It's the customers we serve.

Thank you for choosing to bank with us. We will continue to work hard to meet and exceed your expectations.

Sincerely,

Tim Tighe

President