Investor Presentaiton

Experienced and Seasoned Acquiror CAPE BANCORP 7 COLONIAL AMERICAN BANK Assets: $1.6 B OCEAN SHORE HOLDING CO.) Assets: $142 M Assets: $1.1 B 2015 2016 2017 TWO RIVER BANCORP Assets: $1.1 B OSUN BANCORP, INC. Capital Bank OF NEW JERSEY COUNTRY BANK Here you are Family Assets: $2.0 B Assets: $495 M Assets: $798 M pb Partners BANCORP Assets: $1.6 B 2018 2019 2020 2021 '15 YTD Growth: Total Assets CAGR: 33% $13.5 B $11.4 B $7.5 B $8.2 B $5.2 B $5.4 B $2.6 B 2015 ■ Organic Acquired 2016 2017 2018 2019 2020 2021 Q3 OCFC Total Assets OCEANFIRST

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