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Investor Presentaiton

Business Model Strength Driving Significant Capital Return $24.09 Growth Since 2013 $23.60 1 Tangible Book Value per Share 29.4% Total Capital Return per Share 95.4% $2.98 $2.86 $21.36 $20.55 $2.25 $1.97 $18.42 $4.81 $5.15 $1.39 $16.82 $4.13 $3.45 $1.09 $15.62 $15.53 $2.77 $0.94 $1.04 $2.15 $13.95 $1.01 $0.55 $1.55 $0.49 $12.33 $15.93 $15.96 $15.13 $14.98 $14.26 $13.67 $13.58 $12.91 $12.94 $12.33 2013 2014 2015 2016 2017 2018 2019 2020 Cumulative Dividends/Share 2021 Q2-22 TBVPCS Cumulative Share Repurchase/Share (1) Tangible book value per common share excludes goodwill, core deposit intangible, and preferred equity. Refer to the "Non-GAAP Reconciliation" in the Earnings Release for additional information. The growth in TBV per common share (TBVPCS) is attributed to: Minimally dilutive and strategic acquisitions in critical new markets Stock buybacks Repurchased 272,779 shares in Q2-22 with 2.9 million available for repurchase ■ Stable & competitive dividend ■ 102nd consecutive quarter Historical Payout Ratio of 30% to 40% ■ Announced an increase to the dividend by 18% to $0.20 per share 13 OCEANFIRST
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