b'FINANCIAL WELLNESSFreestyle Checking AccountBankemployeesareeligibleforafree checkingaccountwithinterest.Allmini-mum balance fees, check fees, and most otherassociatedfeesarewaived.Tobe eligible for the free services associated with an employee account, the employee must elect direct deposit of their paycheck into the account.Employee Discount Loan ProgramOceanFirst employees, who have been with the Bank for at least one year, are eligible to participate in the Employee Discount Loan Program. The program provides a discount of 1% below the prevailing interest rate on a Mortgage Loan, Home Equity Loan, and/or Home Equity Line of Credit.PLANNING FOR THE FUTURE401(k) Retirement PlanTheRetirementPlanforOceanFirstBank features diversified investment options,auto-enrollment after three months of ser-vice, annual auto-escalation up to 6%, and safe harbor employer match after one year of service (up to a maximum 3.5% match based on the first 6% of employee defer-rals). Eligible participants can make pre-tax and/or Roth post-tax contributions up to IRS annual limits.Employee Stock Ownership ProgramTheEmployeeStockOwnershipPlan (ESOP) is a retirement plan fully funded by the Bank thatrewards eligible employ-eeswithshareholderownership.ESOP shares are allocated among participants onthebasisofcompensationearned during the year. Participants are fully vest-ed after 5 years of credited service.HUMAN CAPITAL REPORT19'