Investor Presentaiton

Strategic and Operational Focus Outstanding and Proven Growth Significant top-line revenue growth driven by robust loan growth. 3 Efficiency Cost Model Focused on Investment in Technology Efficient Funding Base and Competitive Spreads Optimized branch network by refocusing spend on technology to enhance our customer experience and operational efficiency. NIM continues to trend upward with expansion spurred by loan growth, our asset-sensitive balance sheet, and low deposit funding. Strategic Capital Utilization Significant stockholder capital returns, minimally dilutive acquisitions, maintaining strong regulatory capital thresholds. OCEANFIRST

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