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Investor Presentaiton

8 6 Interest Rate Sensitivity (1 of 2) Earnings at Risk (EAR)1 - % Change Economic Value of Equity (EVE)1 - % Change 2 OceanFirst % Change OceanFirst % Change 1 1.2% 0.4% 0 4 6.5% 4.6% 2 2.4% 0 -2 -1 -1.9% -2 -5.5% -3 -4 -5.9% -4 -5 -6 -6 +300 bps +$24.8MM +200 bps +$17.4MM +100 bps +$9.3MM Base -100 bps -$22.2MM +300 bps +200 bps +100 bps Base -100 bps Impact to Net Interest Income¹ ■ OceanFirst Bank's balance sheet is asset-sensitive. A measurable upward change in the rate environment could have a positive impact to our net interest income going forward. (1) Refer to the Quantitative and Qualitative Disclosures About Market Risk to be filed with the Form 10-Q for additional details. 22 OCEANFIRST

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