Frequently Asked Questions

OceanFirst Financial Corp.

• Who should I contact at OceanFirst for Investor Relations issues?

  • Jill Apito Hewitt at 732-240-4500, extension 7516, or by e-mail at
    investorrelations@oceanfirst.com

• Can I buy or sell stock directly through OceanFirst?

  • You may buy or sell stock through any broker of your choice. If however, you choose afterward to participate in our dividend reinvestment program, you may elect to make additional quarterly cash investments of $100 to $5,000. This is handled in conjunction with our transfer agent, American Stock Transfer and Trust Company.
    For more information on this program, please ask for a Dividend Reinvestment and Discount Stock Purchase plan brochure from our Investor Relations department.

• Where are shares traded?

  • Over the NASDAQ exchange

• What is the ticker symbol?

  • OCFC

• How does the stock appear in the newspaper listings?

  • OceanF or OceanFin

Dividends

• When was your most recent dividend paid?

  • Our Fourth Quarter Dividend was scheduled to be paid on February 12, 2010. The rate was $0.12 per share.
  
   

• When are dividends typically paid?

  • Historically, upon Board approval, dividends have been paid in February, May, August and November.

• How does a stock split affect my shares?

  • On May 15, 1998, our company authorized a two-for-one split in the form of 100% stock dividend. For every share owned, an additional share was awarded. This doubled the amount of shares outstanding but also reduced the current price by approximately one-half.
    
    On May 17, 2002, our company authorized a three-for-two split in the form of a stock dividend, with a cash payment for fractional shares. This increased the amount of shares outstanding by 50% but also reduced the current stock price by approximately one-third.
    
    The overall value of your investment did not change but these splits allowed the shares to be priced more attractively. If your original investment was $20.00 per share, for valuation purposes each share now has a value of $6.6667.

• Does OceanFirst offer a dividend reinvestment program?

  • Yes, we are pleased to offer this program to our shareholders. Upon enrollment, your cash dividend will be used to purchase additional shares of OceanFirst Financial Corp. common stock. The program is a convenient and cost effective way to invest in our company. There are no brokerage or other costs associated with your participation. In addition, shares purchased with reinvested dividends qualify for a 3% discount from the then current market price of our common stock. Once enrolled in dividend reinvestment, you also have the option of making additional cash investments of $100 to $5,000 on a quarterly basis, again with a 3% discount from the then current market price of our common stock.

• Does OceanFirst offer dividend direct deposit?

  • Yes, you may sign up to have direct deposit of your cash dividends into a checking or savings account of your choice. Visit http://www.amstock.com/shareholder/shareholder_services.asp to apply for this service.

Transfer Agent

• Who is the transfer agent?

  • Our transfer agent is:
    American Stock Transfer and Trust Company ("AST")
    59 Maiden Lane, Plaza Level
    New York, NY 10038
    1-800-937-5449, Shareholder Services
    1-800-278-4353, Dividend Reinvestment
    http://www.amstock.com/shareholder/shareholder_services.asp

• How can I change my address on my account?

  • Visit the AST web page at http://www.amstock.com/shareholder/shareholder_services.asp and complete the online change of address.

• How can I get detailed account information?

  • Please contact AST at 1-800-937-5449 and simply identify yourself as an OceanFirst Financial Corp. shareholder along with your social security and/or account number.

• Who do I contact about lost certificates?

  • Visit http://www.amstock.com/shareholder/shareholder_services.asp and complete the online certificate replacement form. Please be advised there is a charge involved for replacement certificates equal to 2% of the current value of the certificate.

• Who do I contact about lost dividend checks?

  • Visit http://www.amstock.com/shareholder/shareholder_services.asp and complete the online check replacement form.

Financial Information

• When is the next earnings release?

  • The first quarter 2010 earnings release will be issued in April 2010.

• How can I obtain a copy of your Annual Report or any other SEC documents such as 10K or 10Q?

  • You may obtain these and other OceanFirst Financial Corp. investor materials by completing an Investment package request or by emailing our Investor Relations department at investorrelations@oceanfirst.com. You may also now find our financial reports under our Financial Download section. As always, any SEC documents are accessible on the SEC's Edgar database website, www.sec.gov as well.