b'& NEW TECHNOLOGYINNOVATIONSUPER BRANCHES DIGITAL BANKINGWith many customer transactions shifting to digital Digitalbankingenablesourretailbank-channels, OceanFirst is rethinking the function and ing customers to access online banking format of our brick-and-mortar branches. We planfeatures using a computer or mobile app, to enhance several locations based on what we re- allowing them to open accounts, check fer to as our super branch model. Conceived asaccountbalances,paytheirbills,make regional hubs, these super branches will not haveinternal and external traditional teller lines, but rather will provide a wel- transfers, and make coming, open environment where universal bankersmobile deposits.can assist customers with a wide range of trans- MOBILEactions,productsandservices,andfinancialadvi- APPsoryneeds.Thefirstofthesenewly-styledbranch-es opened in December 2020 at our headquarter campus in Toms River, and we also used this de-sign for our Point Pleasant Borough branch and our first-ever retail location in Philadelphia, whichopened in Center City in July 2021. A redesigned branch is also planned for Brick Township in 2023.62% INCREASE IN MOBILE ADOPTION$8.3 MME-WALLET TRANSACTIONS IN 202110 OCEANFIRST BANK'