b"& Joseph J. Lebel IIIChristopher D. MaherPRESIDENT AND CHIEF OPERATING OFFICER CHAIRMAN AND CHIEF EXECUTIVE OFFICERMany aspects of our industry, the global economy, and the needs of A MESSAGE ourcustomersandcommunitieshavechangedintheintervening quarter-century. The changes brought about by the pandemic and other forces in the past year alone will be felt for years to come. That said, at OceanFirst, we will continue to be guided by a consistent and FROM OUR strategic vision to lead in innovation, service, growth and value, with LEADERS an emphasis on the following elements: Continuing to manage our capital, liquidity, credit quality andexpenses in a manner that will enhance OceanFirsts ability todeliver sustainable growth and increasing shareholder value Further developing and scaling our internal control and our riskmanagement systems and processes to support OceanFirst'saspirations as a successful regional banking institutionPursuing expansion opportunities, through organic means and targetedacquisitions,todrivehighquality,profitablegrowthContinuing to invest in the technologies, systems and capabilities thatwillsupportinnovation,qualityserviceandoperatingefficiency Expanding and diversifying our talent pool and geography,especially in commercial banking, to support organic growth while maintainingourexceptionalserviceandstrongfinancialperformanceWethankourteammembersfortheirexceptionalperformance duringanextremelydifficultyear.Wehavealwaysknownthatwehavean extraordinary group of people at OceanFirst, but they once again demonstratedremarkablespirit,ingenuityanddedication,andfor thatwearedeeplygrateful.WealsoappreciatetheconfidenceplacedinOceanFirstbyourcustomersandstockholders,andthesound guidance provided by our Board of Directors.Christopher D. MaherJoseph J. Lebel III CHAIRMAN AND CHIEF EXECUTIVE OFFICER PRESIDENT AND CHIEF OPERATING OFFICER02 OCEANFIRST BANK"