b'GROWTH &DEFINING OUR CULTUREEXPANSIONINCREASED ASSETS BY $6.9 BILLIONSINCE 2016OceanFirst Bank is committed to investing substan-tial capital to prepare for continued growth and ex- 1902 First establishment: Point Pleasant pansion. More importantly, we continue to provide aBuilding and Loan Associationwork environment that promotes collaboration, pro-ductivity, and employee engagement. In just six short1996 Initial public offering establishingyears, OceanFirst has undergone seven whole-bankOCFC on NASDAQacquisitions. In addition to growth by acquisitions, we have also expanded into new markets including2015 Colonial American Bank acquisitionNewYorkandPennsylvania,andmorerecentlyin Washington D.C., Baltimore, and Boston. Despite a short delay due to the COVID-19 Pandemic, a new2016 Cape Bank and Ocean City Homebank branch opened in Toms River, NJ at the end ofBank acquisitions2020 and plans were made to renovate the Toms RiverCorporateHeadquarters.Thenewsix-story,2018 Sun National Bank acquisition80,000squarefootofficebuildingandrenovationstoexistingofficespaceswerecompletedinJanuaryof 2022. 2019 Capital Bank acquisition2020 Two River Community Bank andCountry Bank acquisitions08 OCEANFIRST BANK'