Investor Presentaiton
Legal Disclaimer
Cautionary Notes on Forward Looking Statements
This communication contains "forward-looking statements" within the meaning of the federal securities laws, including Section 27A of the Securities Act of 1933, as
amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements may include: management plans relating to the
proposed transaction with Partners Bancorp (the "Transaction"); the expected timing of the completion of the Transaction; the ability to complete the Transaction; the ability
to obtain any required regulatory, stockholder or other approvals, authorizations or consents; any statements of the plans and objectives of management for future
operations, products or services, including the execution of integration plans relating to the Transaction; any statements of expectation or belief; any projections or plans
related to certain financial or operational metrics; and any statements of assumptions underlying any of the foregoing. Forward-looking statements are typically identified
by words such as "believe," "expect," "anticipate,” “intend," "seek”, “plan”, “will”, “would”, “could,” “may,” “target," "outlook,” “estimate," "forecast," "pathway," "project" and
other similar words and expressions or negatives of these words. Forward-looking statements are subject to numerous assumptions, risks and uncertainties, which change
over time and are beyond our control. Forward-looking statements speak only as of the date they are made. Neither OceanFirst nor Partners Bancorp assumes any duty
or obligation (and does not undertake) to update or supplement any forward-looking statements. Because forward-looking statements are, by their nature, to different
degrees, uncertain and subject to numerous assumptions, risks and uncertainties, actual results or future events, circumstances or developments could differ, possibly
materially, from those that OceanFirst or Partners Bancorp anticipated in its forward-looking statements, and future results and performance could differ materially from
historical performance. Factors that could cause or contribute to such differences include, but are not limited to, those included under Item 1A "Risk Factors" in
OceanFirst's Annual Report on Form 10-K, under Item 1A "Risk Factors" in Partners Bancorp's Annual Report on Form 10-K and those disclosed in OceanFirst's and
Partners Bancorp's other periodic reports filed with the Securities and Exchange Commission (the "SEC"), as well as the possibility that expected benefits of the
Transaction may not materialize in the timeframe expected or at all, or may be more costly to achieve; that the Transaction may not be timely completed, if at all; that prior
to the completion of the Transaction or thereafter, OceanFirst's and Partners Bancorp's respective businesses may not perform as expected due to transaction-related
uncertainty or other factors; that the parties are unable to successfully implement integration strategies related to the Transaction; that required regulatory, stockholder or
other approvals, authorizations or consents in connection with the Transaction are not obtained or other customary closing conditions are not satisfied in a timely manner
or at all; reputational risks and the reaction of the companies' stockholders, customers, employees and other constituents to the Transaction; and diversion of
management time as a result of the matters related to the Transaction. These risks, as well as other risks associated with the Transaction will be more fully discussed in
the prospectus of OceanFirst and proxy statement of Partners Bancorp that will be included in the registration statement on Form S-4 that will be filed with the SEC in
connection with the Transaction. The list of factors presented here, and the list of factors that will be presented in the registration statement on Form S-4, is not, and
should not be, considered a complete statement of all potential risks and uncertainties. Unlisted factors may present significant additional obstacles to the realization of
forward-looking statements. For any forward-looking statements made in this communication or in any documents, Ocean First or Partners Bancorp claim the protection of
the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.
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