Investor Presentaiton

Northeast and Mid-Atlantic Expansion Opportunities1 New Jersey is an attractive market. • Statewide total population of 9.3 million. • Most densely populated state. • 11th most populous state. Median household income of $85,245. · Significant opportunities for acquisitions to build customer base. Northeast U.S., DE, MD + D.C. Metro provides access to ~20% of the U.S. population VT NH MA NY • ME RI CT Boston Region Support expansion in Pennsylvania, Metropolitan New York, Boston, Baltimore, and Washington D.C. New York Region PA NJ (1) Source: U.S. Census Bureau 20 MD DC DE VA New Jersey Region Greater Philadelphia Region Baltimore/D.C. Region OCEANFIRST

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