b'THE MISSION MISSION istobuildrelationshipsandfinancialsolu-Ourmission&tionsthatempowerclientstoachievetheirgoals.By HISTORY providinginnovativeproductsbackedbyoutstand-ingservice,wewillachieveourvisionofenhancing ourcommitmentandresponsivenesstothemarkets, customers, and team members we serve.HISTORY Since 1902, OceanFirst Bank N.A. has helped neighbors in localcommunitiesrealizetheirfinancialdreams.OceanFirst was formed as Point Pleasant Building and Loan by a small group of business people interested in providing financingtotheirneighborssotheycouldbuildhomes. The Bank initially offered traditional savings deposit and mortgage loan products to members of the local commu-nity; however, this has grown to include commercial loan, depositservicesandtreasurymanagement,aswellas trust and asset management.OceanFirst is very proud of its 120-year history and longstandingcommitmenttothecommunities we serve. Although our name has changed sev-eraltimesthroughoutourhistorytoreflectourINTEGRITY growthandmission,onethingremainsthe COMMITMENT sameOceanFirstscommitmenttohelp-ingourneighbors.Wedothisbyproviding competitive products and services to meet our customers ever-changing financial needsand delivering these products with unparalleled personalized service.PERFORMANCE CORECUSTOMERVALUES FOCUSLEADERSHIP TEAMWORKHUMAN CAPITAL REPORT03'