b'GROWTH &DEFINING OUR CULTUREEXPANSIONHaving cultural values that we all share will help the organization make consistent, appropriate, and effective decisions over time.Christopher D. MaherChairman & Chief Executive OfficerCOMMITMENT PERFORMANCE LEADERSHIPCommitment means being will- Its a growing Bank, with new op- Leadership is making a way for our ing to do whatever it takes to bet- portunities to learn, evolve and per- employees and customers when it terthecompany,whetherthatsformindividuallyandasagroup.seems like there is no way and giv-INCREASED ASSETS BY $6.9 BILLIONSINCE 2016 putting in extra time when need- And, the people at OceanFirst Banking them the resources they need ed, learning new things, or takingmake this journey a joyful one. to be successful in their day-to-day on different roles. life and in the future.OceanFirst Bank is committed to investing substan-Devi Ramachandran - Issan Acosta tial capital to prepare for continued growth and ex- First establishment: Point Pleasant Ashley Navin MANAGER OF TECHNICAL &pansion. More importantly, we continue to provide a1902 Building and Loan Association SOFTWARE ENGINEERING MANAGER FINANCIAL REPORTING VIRTUAL BRANCH MANAGER IIIwork environment that promotes collaboration, pro-ductivity, and employee engagement. In just six short1996 Initial public offering establishingyears, OceanFirst has undergone seven whole-bankOCFC on NASDAQacquisitions. In addition to growth by acquisitions, we have also expanded into new markets including2015 Colonial American Bank acquisitionNewYorkandPennsylvania,andmorerecentlyin Washington D.C., Baltimore, and Boston. Despite a short delay due to the COVID-19 Pandemic, a new2016 Cape Bank and Ocean City Home CUSTOMER FOCUS TEAMWORK INTEGRITYbank branch opened in Toms River, NJ at the end ofBank acquisitions2020 and plans were made to renovate the TomsBeingacustomer-focusedor- Wehaveacamaraderie,andweIntegrity is about being honest and RiverCorporateHeadquarters.Thenewsix-story,ganization, we work hard everywork together using our collectiveconsistent,holdingourselvesand 2018 Sun National Bank acquisition daytoexceedexpectations.experience to grow and expand theour team members to open, fair and 80,000squarefootofficebuildingandrenovations Much of our planning and prod- Bank. accountable standards.toexistingofficespaceswerecompletedinJanuary uctdesign,particularlyonthe Daniel HarrisJoseph Lebel III of 2022. digitalfront,isbasedonthe 2019 Capital Bank acquisition customer experience.NEW YORK REGIONAL PRESIDENT PRESIDENT AND CHIEF OPERATING OFFICER Anthony Giordano2020 Two River Community Bank and CHIEF RETAIL BANKING OFFICERCountry Bank acquisitions08 OCEANFIRST BANK HUMAN CAPITAL REPORT09'