Oceanfirst Financial Corp. Investor Day August 5, 2021

OceanFirst Financial Corp. Investor Day August 5, 2021

110 West Front Street Red Bank, New Jersey

NASDAQ: OCFC Forward Looking Statements

In addition to historical information, this presentation/release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: the impact of the COVID-19 pandemic on our operations and financial results and those of our customers, changes in interest rates, general economic conditions, levels of unemployment in the Bank’s lending area, real estate market values in the Bank’s lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S. Treasury and the Board of Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company’s market area, accounting principles and guidelines and the Bank’s ability to successfully integrate acquired operations. These risks and uncertainties are further discussed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2020, under Item 1A - Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

. . .

OCFC INVESTOR DAY 2021 | 2 OceanFirst Financial Corp. Investor Day Agenda

Welcome: Investor Day Event 1:00 PM Jill Apito Hewitt 3:00 PM Break Senior Vice President Investor Relations Officer In-Person Guests Only

OceanFirst: The Path Forward Future of Retail Bank Delivery 11:30 AM – 12:45 PM 1:00 PM Christopher D. Maher 3:20 PM George Destafney Chairman & CEO President Central and Northern New Jersey Region Shuttle Service Provided from Train Station/Ferry Lunch Served

Building on Our Success Financial Overview: 1:15 PM Joseph J. Lebel III 4:00 PM Bringing It All Together 5:00 PM President & COO Angela K. Ho Senior Vice President Chief Accounting Officer Tours and Technology Proven Commercial Banking Model Demonstrations Susanne Svizeny President Greater Philadelphia Region Q&A 1:40 PM Jeana M. Piscatelli 4:20 PM Christopher D. Maher Senior Vice President Joseph J. Lebel III 6:00 PM Director of Treasury Management

Advancing Digital Banking Solutions Dinner Cruise Anthony Giordano III Executive Vice President Closing Remarks 2:20 PM Chief Retail Banking Officer 4:50 PM Christopher D. Maher Rebecca Rothstein Senior Vice President Director of Digital Banking

OCFC INVESTOR DAY 2021 | 3 Welcome: Investor Day Event Jill Apito Hewitt Senior Vice President Investor Relations Officer

OCFC INVESTOR DAY 2021 | 4 OceanFirst: The Path Forward Christopher D. Maher Chairman & Chief Executive Officer

OCFC INVESTOR DAY 2021 | 5 Lookback to 2018 Investor Day

Digital Strategy Corporate Infrastructure Performance Treasury and CCC Launch – Successfully crossed the Pre-COVID Core Five9/220,000 video interactions Cash Management $10 Billion Asset threshold Performance Attributes (2019) Substantial growth Nest Egg Launch – Implemented CECL EPS $2.07 $130 million AUM/A, growing at double Now our largest deposit Risk systems and credit digits, video focused segment discipline demonstrated NIM 3.62% Online Account Opening – 35,900+ Accounts resilience during COVID Generation III – YTD 1 in 7 accounts EFFICIENCY 55.78% opened online $5 Billion in balances

Mobile Deposits Growing Rapidly – ROA 1.30% 4X monthly $ deposited in 2018 134% increase in transactions ROTCE 14.16%

Digital Payment Use Accelerating – 4X more transactions in 2 years 5X spend in 2 years 90% transaction growth since pandemic Spend increased 215% since pandemic

OCFC INVESTOR DAY 2021 | 6 Pandemic Impacts to Performance

Textbook Crisis Response in Banking Outlook and Strategy

Build Deploy liquidity and leverage existing +$1 Billion capital by organically growing loan portfolio Liquidity In Deposits $2 Billion+ in 2022 and 2023 without sacrificing strongly asset sensitive position Bolster +$180 Million Material expansion of the Commercial Bank Capital Capital Raise Lean into digital expertise and efficiency

Address NPAs of 28 Basis Points* Transform branch banking to target Credit Risk $5 Million, 30-89 Days Delinquent* low volume, high value interactions

Achieve historical profitability metrics Rebuild Borrowing Restructure, Earnings Deploy Cash

* Non-performing assets as a percentage of total loans and delinquencies, excluding PCD loans, reported as of June 30, 2021. OCFC INVESTOR DAY 2021 | 7 Today’s Speakers

Joseph J. Lebel III Susanne Svizeny Jeana M. Piscatelli Anthony Giordano III President President Senior Vice President Executive Vice President & COO Greater Philadelphia Region Director of Treasury Management Chief Retail Banking Officer 1:15 pm 1:40 pm 1:40 pm 2:20 pm

Rebecca Rothstein George Destafney Angela K. Ho Senior Vice President President Central and Senior Vice President Director of Digital Banking Northern New Jersey Region Chief Accounting Officer 2:20 pm 3:20 pm 4:00 pm

OCFC INVESTOR DAY 2021 | 8 Building on Our Success Joseph J. Lebel III President & Chief Operating Officer

OCFC INVESTOR DAY 2021 | 9 Building on Our Success

Commercial Bank Strategic Digital Investment Impact Expansion at Advancement in to Surpass Client of Changing OceanFirst Treasury Services Expectations Customer Base Hire Talent Build Capabilities and Team Anticipate Customer Needs Branch Optimization Financial Outcome Grow Loan Portfolio Exceed Those Needs

Obtain Quality Funding

Expand Geography

OCFC INVESTOR DAY 2021 | 10 Proven Commercial Banking Model Susanne Svizeny President Greater Philadelphia Region Jeana M. Piscatelli Senior Vice President Director of Treasury Management

OCFC INVESTOR DAY 2021 | 11 Loan Composition Emphasizes Commercial

Total Loans Outstanding Loans by Customer Segment

$2,464M 32% 2021 $2,464M $5,357M

Consumer 2020 $2,649M $5,107M Commercial

2019 $2,729M $3,485M $5,357M 68%

2018 $2,520M $3,069M

2017 $2,031M $1,945M

Year Commercial Loans by Region 2016 $1,994M $1,822M Baltimore Southern $21M, 1% $489M 2015 $1,038M $963M 9% Central $2,324M 43% 2014 $989M $734M Philadelphia Central $1,069M 20% New York 2013 $983M $589M Philadelphia Southern 2012 $1,017M $533M Baltimore $0B $1B $2B $3B $4B $5B $6B $7B $8B Loan Balances New York $1,454M Consumer Commercial 27%

2021 data as of June 30, otherwise as of December 31

OCFC INVESTOR DAY 2021 | 12 ME OceanFirst Bank N.A. NH Commercial Banking Core Markets VT

MA NY

RI CT

New York Region

Central & Northern New Jersey Region

PA NJ Greater Philadelphia Region

Southern New Jersey Region MD

DC DE VA

Ocean County, NJ; Founded as Ocean Monmouth Mercer Metropolitan Greater Northern Point Pleasant Building & Loan County County County New York Philadelphia New Jersey

1902 1996 2013 2015 2019 2019 2020 2021 Commercial Lending Commercial Loan Commercial Loan Commercial Loan Commercial Loan Hasbrouck Heights Introduced Production Launched Production Launched Offices Opened Offices Opened Commercial Loan Office Opened

OCFC INVESTOR DAY 2021 | 13 OceanFirst Bank’s Formula for Successful Commercial Banking Expansion

Assess Competitive Hire a the Market Landscape Proven Leader

OFB Organic Growth Success

Hire Build Execute as Top Talent Marketing Plan One Team

OCFC INVESTOR DAY 2021 | 14 Talent Drives Growth – Greater Philadelphia

(Loans, $ in millions)

1,069 919 810

510

312 274 269 100

FY 2018* FY 2019 FY 2020 Q2 2021 Relationship 5 8 9 13 Managers:

Loan Production Loan Portfolio

* Sun Bank acquired

OCFC INVESTOR DAY 2021 | 15 Talent Drives Growth – New York

(Loans, $ in millions)

1,454

1,143

313 359 312 191 122 21

FY 2018* FY 2019** FY 2020*** Q2 2021 Relationship 1 5 9 10 Managers:

Loan Production Loan Portfolio

* Sun Bank acquired. ** New York Loan Production Office started in May 2019 *** Country Bank acquired

OCFC INVESTOR DAY 2021 | 16 ME OceanFirst Bank N.A. NH Commercial Banking Expansion Markets VT

MA NY

RI Boston Region CT

New York Region

Central & Northern New Jersey Region

PA NJ Greater Philadelphia Region

Southern New Jersey Region MD Baltimore / D.C. Region DC DE VA

Ocean County, NJ; Founded as Ocean Monmouth Mercer Metropolitan Greater Northern Point Pleasant Building & Loan County County County New York Philadelphia New Jersey Baltimore / D.C. Boston

1902 1996 2013 2015 2019 2019 2020 2021 2021 Commercial Lending Commercial Loan Commercial Loan Commercial Loan Commercial Loan Hasbrouck Heights Commercial Loan Commercial Loan Introduced Production Launched Production Launched Offices Opened Offices Opened Commercial Loan Production Launched Production Launched Office Opened

OCFC INVESTOR DAY 2021 | 17 Why Join OceanFirst Bank?

Growth-oriented organization with an external focus

Autonomy and authority

Culture—Your voice is heard

Freedom to pursue any industry or vertical

Holistic approach in managing relationships

Access to executive leadership

Collaborative approach with Treasury and Credit

OCFC INVESTOR DAY 2021 | 18 Relationship Manager Compensation Opportunity

Derivative Swap ESOP Program Participation

Incentive Competitive Opportunity Base Salary

Equity Grants

OCFC INVESTOR DAY 2021 | 19 ME OceanFirst Bank N.A. NH Commercial Banking Market Coverage VT

Northeast U.S., DE, MA MD + D.C. Metro NY RI Boston Region provides access to CT ~20% of the U.S. New York Region

Population* Central & Northern New Jersey Region

PA NJ Greater Philadelphia Region

Southern New Jersey Region MD Baltimore / D.C. Region DC DE VA

Ocean County, NJ; Founded as Ocean Monmouth Mercer Metropolitan Greater Northern Point Pleasant Building & Loan County County County New York Philadelphia New Jersey Baltimore / D.C. Boston

* 2020 U.S. Census Data OCFC INVESTOR DAY 2021 | 20 Jeana M. Piscatelli Senior Vice President Director of Treasury Management

NASDAQ: OCFC Treasury Management Expansion

$2.3 Billion 2018 Account Service Sales Balances

$5.0 Billion 2021 Account Service Product Sales Balances Development

Treasury Management Has Grown Rapidly

OCFC INVESTOR DAY 2021 | 22 Treasury Management Expansion

2018 2021 Director of Treasury Management

TM Product Director of Treasury Director of Treasury Director of Treasury Development & Management Management Sales Client Services Training

Operations & Central Operations Service Administrative Service Manager Team Central TM Supervisor Supervisor Support Sales Team Southern Team Operations Service Southern TM Service Team Team Supervisor Sales Team Sales Associate Team

Government Sales Team Government Service Team Team

Expansion Markets

OCFC INVESTOR DAY 2021 | 23 COVID and an Increasingly Digital World

Reduction in annual check 2018 2021 -12% volume since 2018 37,200 33,000

Increase in annual ACH transaction 2018 2021 68% volume since 2018 3.5 Million 5.5 Million

Increase in annual dollar volume 2018 2021 55% since 2018 $18 Billion $32.4 Billion

Increase in average Remote 2018 2021 66% Deposits (RDC) volume since 2018 96,000 146,400

OCFC INVESTOR DAY 2021 | 24 Empowering Clients Through Our Products

Streamline Payment Processing 1 • Digital Banking Solutions • 24/7 Online Access • Electronic Payables and Receivables • ACH / Wire Funds Transfers • Payroll & Direct Deposit Solutions • Remote Deposit Capture • mRDC • Commercial One Card • Merchant Card Services • Lock Box • Global Trade • Cash Vault

Improve Working Capital 2 • Commercial Deposits & Liquidity • Account Analysis • Managed Escrow • Insured Cash Sweep

Reduce Fraud Risk 3 • Check Positive Pay • ACH Debit Filter • Cyber Security Awareness

OCFC INVESTOR DAY 2021 | 25 Advancing Digital Banking Solutions Anthony Giordano III Executive Vice President Chief Retail Banking Officer Rebecca Rothstein Senior Vice President Director of Digital Banking

OCFC INVESTOR DAY 2021 | 26 Mission Statement

To provide the digital capabilities and experiences demanded by consumer and corporate clients, empowering OceanFirst to achieve extraordinary levels of operating efficiency and customer satisfaction.

OCFC INVESTOR DAY 2021 | 27 Digital First Culture Shift

Certified Digital Certified Digital Digital Banking Banker Training: Banker Training: Hire Vue: Net Promoter Score (NPS): 657 82 1,682 69% Customer Care Center New Hires Submitted Videos 33% Improvement and Branch Staff Graduates in Progress (2017–today)

Retail Customer Retention Rate*: 91.7% Increased 5% Since 2017

Source: Google

* For 2020

OCFC INVESTOR DAY 2021 | 28 Product Innovation and Strategic Priorities

Mobile Adoption +62% Increase in Three Years

E-Wallet “This is the best online app for mortgage Transactions I have ever seen. You guys have nailed it!! I have applied to other apps and I was just telling my wife that this experience $8 million is simply outstanding! Good job!” Per Year —Happy Blend Customer

OCFC INVESTOR DAY 2021 | 29 Upgrading Infrastructure to Support Digital Growth

Customer Care Response Unit Video Teller Center*: (Telephone Banking)**: Terminals: 1,500 80,000 35 Calls/Day Customer August 2021 Accommodating Spikes Calls/Month Over 220,000 Over 6,000 Video Transactions Since 2014

* As of April 28, 2021 ** As of March 31, 2021

OCFC INVESTOR DAY 2021 | 30 Key to Success

“Before anything else, preparation is the key to success ” —Alexander Graham Bell—

OCFC INVESTOR DAY 2021 | 31 Seamless Customer Experience Regardless of Channel

• Coin • ATM PHYSICAL • Safe Deposit Box • PHYSICAL Online • Large Cash • BRANCH* BRANCH* Mobile Deposits

Primary Touchpoint

Providing customers optimum solutions at the right time, in the right place.

* Limited to banking hours

OCFC INVESTOR DAY 2021 | 32 Customer Care Center

People & Expertise Streamlined Process Omni-Channel Platform • Digital Bankers • Social as a Service Channel • Voice • ITM Tellers • Skills Based Routing/IVR • VRU • SMEs • CCC CRM & Touchpoint History • Callback Feature • Email/SMS/Chat • Digital Banking Support • Workforce Management • Video • Gamification • Self-Service Knowledge Base • Expanded Branch Services • CRM with Sales Insights

Q1 2017 Q1 2020 Q1 2021 Change

VRU 180,000 199,000 268,000 35%

45 FTEs Total Calls Answered N/A 74,000 83,000 12% 38 Agents Avg Hold Time N/A 02:12 00:13 (89.9%) Avg Handling Time N/A 07:47 03:47 (51.3%)

% Service Level* N/A 59.8% 74.2% 24.1%

* Service level goal is 90% of calls answered within 30 seconds OCFC INVESTOR DAY 2021 | 33 A Personal Banking Experience with Video

OCFC INVESTOR DAY 2021 | 34 Video Banking to Support Consolidation

12 ITMs at the end of 2019

23 ITMs at the end of 2020

35 ITMs as of June 30th, 2021

41 ITMs Targeted for Applewood Banking Center 2020 Toms River Drive-Thru year-end 2021

16,487 220,000* 16,421 ITMs Offering Transactions Since Video Banking Transactions Transactions in Installation* Offering Extended Banking Hours First Four Months* Expanded Hours

* As of Dec 31, 2020

OCFC INVESTOR DAY 2021 | 35 Nest Egg Continues To Show Steady Growth

Q1 2021 Record Sales of $32.8mm

$140 $400

Millions $120 $350 Thousands $300 $100

$250 $80 $200 $60 $150

$40 $100

$20 $50

$0 $0 2019 2019 2019 2019 2020 2020 2020 2020 2021 2021 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2

Total Revenue AUM/A Balance

OCFC INVESTOR DAY 2021 | 36 Customer Service Center of Excellence

Customer Care Center Expansion • 120 Shared CCC Stations plus IT, Operations and Support Capacity • Favorable Talent Market – 600,000 people in Ocean County – 15% lower average comp vs. northern geographies 80,000 • Occupancy – Year-end 2021 Square Foot Expansion

OCFC INVESTOR DAY 2021 | 37 As we look to the future…

2021–2022 Future Committed Roadmap Initiatives Committed Roadmap Initiatives

• Email/SMS/Chat/Video • Appointment Setting • Paperless Branch • Small Business Loan Origination (LOS) • Retail Online/Mobile Banking Upgrade • AI Driven Marketing & Sales • Expanded Branch Services in CCC • AI Driven & Personalized Experiences • Plaid & eWallet Online Account Funding

• Certified Digital Banker 3.0 • Outbound Call Center (Sales) • Virtual Branch Expansion • Enterprise CRM • Self-Service Knowledge Base • Digital Workplace (Intranet) • Gamification

• Premier Core • Branch ATMs Under Managed Service • Marketing Technology & Automation • Website Upgrade • Centralized Digital Signage

OCFC INVESTOR DAY 2021 | 38 Break

NASDAQ: OCFC

Future of Retail Bank Delivery George Destafney President Central and Northern New Jersey Region

OCFC INVESTOR DAY 2021 | 40 A History of Effective Branch Consolidation

Retention Performance of 56 Consolidated Branches

• Completed 56 Consolidations • Average Retention over 90% • Net Deposit $ Loss = $153 Million • Compared to Non-Consolidation Branches Average Retention of 94.8% Retention Performance of Branches • All While Reducing Certificates of Deposit Excluding Consolidations by $450 Million

OCFC INVESTOR DAY 2021 | 41 Strong Customer Retention through Consolidations

Map Key traditionalMap Key

consolidated supertraditional branch open super branch

• 20 Branches will be consolidated late in 2021 and early 2022

• 2 Branches to be sold in Q4 2021

Avg. Avg. Branch Branch $167M* $250M* Current Branches (58) Pro-forma Branches (37)

* As of July 30, 2021

OCFC INVESTOR DAY 2021 | 42 Redesigning Branches for Enhanced Customer Experience

Toms River, New Jersey

OCFC INVESTOR DAY 2021 | 43 Peer Group Branch Comparison

$1,000

CUBI

$900 Following Consolidation $500 Most Efficient OCFC will have Among the Highest Branch Sizes and ($ ($ millions)in Quadrant EGBN Lowest Deposit Costs $400 BPFH

$300 OCFC* TOWN FFIC $200 SASR WASH CNOB DCOM Average Size Branch Average WSFS STBA LBAI BRKL $100 INDB NBTB TMP EBSB FCF PFS BHLB WSBC NWBI CBU $0 0.00% 0.05% 0.10% 0.15% 0.20% 0.25% 0.30% 0.35% 0.40% 0.45% 0.50% 0.55% Cost of Deposits OCFC WAR of deposits were 24 bps as of 6/30/2021. Source: S&P Market Intelligence Note: Peer group is representative of the peer group in our DEF-14 Proxy Statement and excludes UBNK due to the sale to People’s United. * Assumes pro-forma average branch size OCFC INVESTOR DAY 2021 | 44 Financial Overview: Bringing It All Together Angela K. Ho Senior Vice President Chief Accounting Officer

OCFC INVESTOR DAY 2021 | 45 3 Strategic Initiatives

1 Commercial Banking

EPS

Digital Banking & ROA 2 Innovation Efficiency Ratio

Branch Optimization & 3 Efficiency

OCFC INVESTOR DAY 2021 | 46 Financial Targets – 2022 & 2023

Q4-22 Performance Q4-23 Performance

EPS $0.55 EPS $0.65

ROA > 1.00% ROA > 1.10%

EFFICIENCY ~ 55% EFFICIENCY ~ 50%

OCFC INVESTOR DAY 2021 | 47 Q&A Christopher D. Maher Chairman & Chief Executive Officer

Joseph J. Lebel III President & Chief Operating Officer

OCFC INVESTOR DAY 2021 | 48 Closing Remarks Christopher D. Maher Chairman & Chief Executive Officer

OCFC INVESTOR DAY 2021 | 49 Thank You For Attending Investor Day 2021

NASDAQ: OCFC

Bio Information

NASDAQ: OCFC Investor Day – Strategic Vision

Christopher D. Maher Joseph J. Lebel III Chairman and President and Chief Executive Officer Chief Operating Officer

Christopher Maher is Chairman and Chief Executive Officer of OceanFirst Financial Corp. and OceanFirst Joseph Lebel is President and Chief Operating Officer of OceanFirst Bank N.A. and has led the Bank in this Bank N.A. and has led the Company in this capacity since 2017. Chris joined the Bank as President and role since January 2021. Most recently, Joe was Executive Vice President and Chief Operating Officer and Chief Operating Officer in 2013. He was appointed to the Board of Directors in 2014. Chris is also President has also served in leadership positions, including the Chief Banking Officer and Chief Lending Officer. Joe of OceanFirst Financial Corp. and Chairman of the Board for OceanFirst Foundation. joined OceanFirst in 2006 as Senior Vice President in charge of Commercial Lending. Joe is a member of the Board of Directors of OceanFirst Bank. Prior to joining OceanFirst, Chris served as President and Chief Executive Officer of Patriot National Bancorp. Previously he was Executive Vice President of Dime Savings Bank of Williamsburg; Senior Vice President Prior to joining OceanFirst, Joe was a Senior Vice President Wachovia Bank N.A. (currently Wells Fargo and Information Services of BISYS; and Managing Director Banking Strategy of Fidelity National Information formerly, First Fidelity and First Union National Bank) spending 22 years in various leadership and sales roles Services. in the central New Jersey market for the bank. Joe has leadership positions with several non-profit and chamber organizations, including: Chris has leadership positions with several non-profit and industry organizations, including: • New Jersey Chamber of Commerce, Director • Federal Reserve Bank of Philadelphia, Director • Fulfill (formerly FoodBank of Monmouth and Ocean counties), Trustee • Helen Keller Services for the Blind, Trustee and former Chairman • Community Medical Center Foundation, Trustee • Hackensack Meridian Residential Care, Director He has a Bachelor’s degree in Accounting from Mount St. Mary’s University and attended the Graduate • Monmouth University Board of Trustees, Trustee and Treasurer Commercial Banking School at the University of Oklahoma. • New Jersey Bankers Association, Director and First Vice Chair He attended Franklin and Marshall College and Upsala College as well as the University of Virginia Graduate School of Banking.

OCFC INVESTOR DAY 2021 | 52 Investor Day – Presenters

George Destafney Anthony Giordano III Angela K. Ho President Central and Northern New Jersey Region Executive Vice President, Chief Retail Banking Officer Senior Vice President, Chief Accounting Officer

George Destafney is the President Central and Northern New Jersey Anthony Giordano is Executive Vice President and Chief Retail Banking Angela Ho is Senior Vice President and Chief Accounting Officer at Region at OceanFirst Bank N.A. He is responsible for growth in the Officer at OceanFirst Bank N.A. He joined OceanFirst Bank in 2015 upon OceanFirst Bank N.A. and has held this position since joining the Bank’s legacy New Jersey markets along with the expansion in northern completion of the Bank’s acquisition of Colonial American Bank where Bank in 2016. New Jersey. George joined OceanFirst in 2013 as Senior Vice President Anthony served as President and Chief Executive Officer. and Commercial Lending Team Leader. Prior to joining OceanFirst Bank, Angela was Vice President and Prior to joining OceanFirst Bank, in addition to serving as President and Controller of Northfield Bank. Previously, she was Accounting Policy Prior to joining OceanFirst Bank, George had an 18-year tenure at TD Chief Executive Officer of Colonial American Bank for almost five years, Manager at Signature Bank and a Senior Associate at KPMG LLP. Bank (originally Commerce Bank). As a Regional President, he directed Anthony served as Senior Vice President and CFO at Central Jersey all commercial, retail branch and operational activities in the Monmouth Bank. Previously he was an officer at PNC Bank, formerly Midlantic Angela is actively involved in community and industry organizations, County market. He held several positions while with TD Bank with Bank, and began his career at Shadow Lawn Savings Bank. including: growing responsibility including launching a new market for the company • Retail Opportunity Investment Corp., Board Member Anthony has held community organization leadership roles, including: in Long Island before returning to New Jersey as a Regional President. • American Institute of Certified Public Accountants (AICPA) • City of Long Branch, former Councilman and Chair of the George has leadership roles with community and industry organizations, redevelopment committee She has a B.S. degree in Accounting from the University of including: • Kean University Foundation, Treasurer and former Chair of the Massachusetts Amherst and an MBA Degree from the Wharton • Children’s Specialized Hospital Foundation, Trustee investment committee School at the University of Pennsylvania. • St. John Vianney High School, advisory board • United Way of Monmouth County, former Board Member Treasurer • American Bankers Association Stonier Graduate School of Banking, • Rotary Club of Long Branch, former President Board Member Anthony has a B.S. degree in Finance from Kean University and an MBA He has a B.S. degree in Finance from Monmouth University and is a degree from Monmouth University. He graduated from the Real Estate graduate of the American Bankers Association Stonier Graduate School Institute at Monmouth University and received an executive certificate in of Banking including Wharton Leadership Certification. leadership and management from the University of Notre Dame.

OCFC INVESTOR DAY 2021 | 53 Investor Day – Presenters (continued)

Jeana M. Piscatelli Rebecca Rothstein Susanne Svizeny Jill Apito Hewitt Senior Vice President Senior Vice President President Greater Philadelphia Region Senior Vice President Director Of Treasury Management Director of Digital Banking Investor Relations Officer Director of Investor Relations and Jeana Piscatelli joined OceanFirst Bank N.A. as Senior Rebecca Rothstein is Senior Vice President and Susanne Svizeny joined OceanFirst Bank N.A. as the Vice President and Director of Treasury Management in Director of Digital Banking at OceanFirst Bank N.A. She President of the Greater Philadelphia Region in 2019. Corporate Communications 2018. She is leading the strategic growth of the joined OceanFirst in 2017 as the Chief Experience Susanne is responsible for leading the Bank’s Jill Hewitt is the Director of Investor Relations and corporate treasury management team and expansion of Officer. expansion in Pennsylvania and western New Jersey. Corporate Communications and has held this position the products and services. She is a customer experience advocate and digital Prior to joining OceanFirst, Susanne was Executive Vice since the role was created at OceanFirst in 2016. Jill Prior to joining OceanFirst Bank, Jeana served as transformation enabler who has held leadership roles at President and Division Manager of Commercial Banking joined OceanFirst Bank in 1996 as the Director of Executive Director of the Financial Institutions Group at various companies, including, Managing Consultant at at Wells Fargo N.A. where she lead a team managing a Marketing. J.P. Morgan Chase. Previously, she was Director of Capgemini; Director of User Experience at portfolio of more than 700 relationships. Prior to joining OceanFirst, Jill was an assistant vice Institutional Foreign Exchange and Sales and held TandemSeven (currently Rightpoint); founder of Susanne is actively involved in the community, president in the Marketing department at Summit Bank various positions with increasing responsibility at Wells Bullseye Research & Design; and Vice President and including: (currently Bank of America and formerly Fleet) leading Fargo. Customer Experience Program Manager at JP Morgan Chase. • The College of New Jersey, Chair Board of Trustees the initiative to launch the first website for customers Jeana serves in leadership positions in the community • Chamber of Commerce for Greater Philadelphia, and managing customer notifications regarding and industry organizations, including: Rebecca is committed to helping others and donated consolidations and acquisitions. her time to: Director and Executive Committee Member • Monmouth University, Chairperson Board of Trustees She has a Bachelor of Arts in Communications from • Swimming to Help, Board Member • CEO Council for Growth, Director • Association for Financial Professionals (AFP), Board Villanova University and attended the Bank Marketing Member She has a Bachelor of Arts from Skidmore College and Susanne has a Bachelor’s degree from The College of Association School of Bank Marketing. an MPS from NYU’s Interactive Telecommunications New Jersey. She has a B.S. degree in Marketing and Finance from Program. Monmouth University and an MBA degree from Monmouth University.

OCFC INVESTOR DAY 2021 | 54 Executive Team

Christopher D. Maher Joseph J. Lebel III Chairman and President and Chief Executive Officer Chief Operating Officer

OCFC INVESTOR DAY 2021 | 55 Executive Team (continued)

Michele Estep Michael J. Fitzpatrick Karthik Sridharan Executive Vice President Executive Vice President Executive Vice President Chief Administrative Officer Chief Financial Officer Chief Information Officer Michele Estep is Executive Vice President and Chief Administrative Michael Fitzpatrick is Executive Vice President and Chief Financial Karthik Sriharan is Executive Vice President and Chief Information Officer at OceanFirst Bank N.A. and has lead the human resources, Officer of OceanFirst Financial Corp. and OceanFirst Bank N.A. and Officer at OceanFirst Bank N.A. He joined OceanFirst in 2019 general services and security areas in that role since 2019. She has led the Company in this role since he joined in 1993. joined OceanFirst as Senior Vice President of Strategic Initiatives in Prior to joining OceanFirst, Karthik was the Chief Technology Officer 2018 with OceanFirst’s acquisition of Sun National Bank. Prior to joining OceanFirst, Michael was a senior manager in the at Citigroup and previously held leadership roles in global technology banking audit practice at KPMG for 11 years. management with JP Morgan Chase and Bank of America Merrill Michele started at Sun National Bank in 2008 as Executive Vice Lynch. He was also an Industry Manager at Microsoft before entering President and Chief Administration Officer. Prior to Sun, Michele Michael is involved in several professional organizations, including: the financial services industry. began her career with Key Services Corporation and Key Bank NA • New Jersey Society of Certified Public Accountants Karthik volunteers with community and industry organizations, where she spent 17 years and had growing responsibilities with her • American Institute of Certified Public Accountants last position as Senior Vice President and Human Resources including: • Financial Managers Society Relationship Manger. • Go Africa Network Inc., Advisory Board Member • New Jersey Bankers Association, Chief Financial Officers • Wall Street Technology Association Michele has held leadership positions in the community, including: committee • Food Bank of South Jersey, past Board Member and Chair He has a bachelor’s degree in business administration and He has a B.A. in Economics and a master’s in Business Compensation Committee information systems management from Temple University Fox School Administration from Rutgers University. of Business and completed the Harvard University Business School She has a Bachelor of Science in Personnel and Industrial Relations Global Management Executive Program. from Syracuse University and a master’s in Business Administration from State University of New York at Albany.

OCFC INVESTOR DAY 2021 | 56 Executive Team (continued)

Steven J. Tsimbinos Grace Vallacchi Executive Vice President Executive Vice President, Chief Risk Officer General Counsel and Corporate Secretary Board of Directors Steven Tsimbinos is Executive Vice President, General Counsel and Grace Vallacchi is Executive Vice President and Chief Risk Officer Corporate Secretary for OceanFirst Financial Corp. and OceanFirst and has held this position since she joined OceanFirst Bank in 2017. Bank N.A. He joined OceanFirst in 2010. She was appointed to the OceanFirst Financial Corp. and OceanFirst Bank N.A. board of directors in 2019. Prior to joining OceanFirst, Steve was general counsel and a partner of Copper River Management, L.P. Previously he was a partner with Prior to joining OceanFirst Bank, Grace was an Associate Deputy the law firm Lowenstein Sandler PC where he practiced corporate Comptroller in the Northeastern District of the Office of the and securities law. Steve began his career at the New York office of Comptroller of the Currency (OCC) where she had oversight of seven Thacher Proffitt & Wood. Assistant Deputy Controllers with 180+ examiners responsible for supervising 120 community banks and thrifts. Grace began her Steve volunteers in the community, participating in: banking career at First Fidelity Bank as Vice President and Large • Big Brothers Big Sisters of Monmouth and Middlesex, Trustee Corporate Relationship Manager before serving as Vice President and Senior Commercial Credit Underwriter at First Union National • Tower Hill Church, Trustee Bank. He has a Bachelor of Arts from Skidmore College and is a graduate Grace has a Bachelor of Science in Finance from the University of of Boston University School of Law. Delaware and is a Chartered Financial Analyst.

OCFC INVESTOR DAY 2021 | 57 Market Leaders

Tom Crawford Vincent D’Alesandro George Destafney President Baltimore Region President Southern New Jersey Region President Central and Northern New Jersey Region

Tom Crawford is the President of the Baltimore Region leading Vinny D’Alessandro is the President of Southern New Jersey Region George Destafney is the President of Central and Northern New Jersey OceanFirst Bank N.A.’s expansion into the Maryland Market. He at OceanFirst Bank N.A. He is responsible for growth in the Bank’s Region at OceanFirst Bank N.A. He is responsible for growth in the joined OceanFirst in 2021. South Jersey markets and has been leading the management team in Bank’s legacy New Jersey markets along with the expansion in northern this region since 2017. Vinny joined OceanFirst in 2008 as a New Jersey. George joined OceanFirst in 2013 as Senior Vice President Prior to becoming part of the OceanFirst team, Tom was the Market Commercial Lending Team Leader. and Commercial Lending Team Leader. President of the Mid-Atlantic for BBVA Compass. Tom has more than 30 years of banking experience with leadership roles at several Prior to joining OceanFirst, Vinny had almost 20 years of experience Prior to joining OceanFirst Bank, George had an 18-year tenure at TD Maryland banks, including: Provident Bank, Chevy Chase Bank and in the financial services industry with positions of growing Bank (originally Commerce Bank). As a Regional President, he directed Mercantile Bank. responsibility at Shore Community Bank, PNC bank, Garden State all commercial, retail branch and operational activities in the Monmouth Bank and First National Bank of Toms River. County market. He held several positions while with TD Bank with Tom is actively involved with several community and industry growing responsibility including launching a new market for the company organizations, including: Vinny is actively involved with several non-profit organizations, in Long Island before returning to New Jersey as a Regional President. • University of Baltimore, Board Chair including: • Shore Medical Center, planned giving committee George has leadership roles with community and industry organizations, • Baltimore Office of Promotion & The Arts, Director including: • Atlantic Cape Community College Foundation, Trustee • Federal Reserve Bank of Richmond, Baltimore Industry • Children’s Specialized Hospital Foundation, Trustee Roundtable • HERO Campaign for Designated Drivers, Trustee • St. John Vianney High School, advisory board • Light City Baltimore, Chairman’s Council & Steering Committee He is a graduate of Rutgers University where he played Division I • American Bankers Association Stonier Graduate School of Banking, He has a Bachelor of Science in Finance from the University of collegiate golf. Vinny also graduated from the American Bankers Board Member Maryland and a master’s Business Administration from the University Association Stonier Graduate School of Banking including Wharton of Baltimore. Leadership Certification. He has a B.S. degree in Finance from Monmouth University and is a graduate of the American Bankers Association Stonier Graduate School of Banking including Wharton Leadership Certification.

OCFC INVESTOR DAY 2021 | 58 Market Leaders (continued)

Daniel Griggs Daniel J. Harris Susanne Svizeny President Boston Region President New York Region President Greater Philadelphia Region

Dan Griggs is the President of the Boston Region leading OceanFirst Dan Harris is the President of New York Region at OceanFirst Bank Susanne Svizeny joined OceanFirst Bank N.A. as the President for Bank N.A.’s expansion in Massachusetts and nearby markets. He N.A. Dan joined OceanFirst in 2019 to establish a commercial loan the Greater Philadelphia Region in 2019. Susanne is responsible for joined OceanFirst in 2021. production office in New York City and now leads a team including leading the Bank’s expansion in Pennsylvania and western New legacy Country Bank branch and commercial banking professionals Jersey. Prior to joining the OceanFirst team, Dan was the Market President in to serve customers throughout metropolitan New York. Eastern Massachusetts for TD Bank. He has more than 30 years of Prior to joining OceanFirst, Susanne was Executive Vice President banking experience with leadership roles at several Boston area Prior to joining OceanFirst, Dan was the Managing Director and Head and Division Manager of Commercial Banking at Wells Fargo N.A. banks, including: Citizens Bank, Bay Bank, and First NH Bank. of Commercial Real Estate Finance at Morgan Stanley Private Bank where she lead a team managing a portfolio of more than 700 N.A. He is a seasoned banking professional with previous leadership relationships. Dan is involved with several community organizations, including: roles at Dime Community Bank and Hudson Valley Bank. Susanne is actively involved in the community, including: • MassBay United Way, governance and nominating committee Dan is involved in non-profit and professional organizations, • The College of New Jersey, Chairperson Board of Trustees • Lawrence Partnership, Director including: • Chamber of Commerce for Greater Philadelphia, Director and • Merrimack Valley Chamber of Commerce, Director • American Bankers Association Commercial Real Estate Finance Executive Committee Member • North Shore Chamber of Commerce, Director Committee, member and past Chair • CEO Council for Growth, Director He has a Bachelor of Business Administration in Finance from the • Thomas and Agnes Carvel Foundation, Director University of Iowa and a master’s Business Administration from • New York State Bar Association, attorney and member (retired) • Forum of Executive Women Boston University. He has a Bachelor of Science from St. John’s University and his J.D. • C200 from St. John’s University School of Law. Susanne has a Bachelor’s degree from The College of New Jersey.

OCFC INVESTOR DAY 2021 | 59