Important information about your Colonial American Bank accounts and services.

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1 Important information about your Colonial American Bank accounts and services.

2 OceanFirst Bank s acquisition of Colonial American Bank was completed on July 31, Since then, Colonial American Bank has been operating as a division of OceanFirst Bank and we have been working diligently to plan a smooth integration of Colonial American Bank branches, accounts and services into OceanFirst Bank. We have tried to anticipate your questions and concerns regarding the transition and have prepared this information package to assist you with the integration of your banking relationship into the OceanFirst Bank technology platforms. For quick reference, here is where you will find the important details: Welcome to OceanFirst Bank...1 Key Dates...2 Tips to Help...4 Personal Deposit Accounts...9 Business Deposit Accounts...12 Commercial Loans and Credit Services...14 Residential Mortgages, Home Equity Loans and Lines of Credit...16 Notice of Servicing Transfer...17 OceanFirst Bank locations...18 Contact Your Branch...Outside Back Cover Applicable amendments to account terms and conditions are enclosed for your records. In order to be certain you received this important information multiple copies of these materials may have been mailed to you. We sincerely apologize if this caused any inconvenience.

3 Welcome to the OceanFirst Family The entire OceanFirst Bank team is pleased to welcome you. We are getting ready to complete the final step in merging Colonial American Bank into OceanFirst the full integration of your accounts and services, along with the Middletown and Shrewsbury branches, into our enhanced technology platform. On Monday, October 19th the Middletown and Shrewsbury branches, along with all of the accounts and banking services related to those offices, will begin to operate as OceanFirst Bank. Once this integration is completed, you will have full access to the locations and services offered to OceanFirst customers: A growing network of branches throughout Monmouth, Ocean and Middlesex counties; Commercial Loan Centers in Red Bank, Toms River and Ewing Township; Wealth Management professionals with locations in Manchester and Red Bank; Home financing solutions provided by experienced loan officers that come to you when you need them; The latest technology for convenient access to your accounts from your home, office, smart phone or even your smart watch. OceanFirst has a long history of serving our neighbors in central New Jersey. Our community bank was founded in Point Pleasant Beach, Ocean County, in 1902 and is now headquartered in Toms River. Currently, our Monmouth County locations include: Pier Village in Long Branch, Freehold, Wall Township, Spring Lake Heights, and the Red Bank Financial Solutions Center - a perfect complement to the Middletown and Shrewsbury offices which will operate as OceanFirst Bank branches after the integration next month. We recently opened our 27th full service branch, another location in Jackson Township, Ocean County. OceanFirst Financial Corp. (NASDAQ:OCFC) is the publicly traded holding company of OceanFirst Bank. At OceanFirst, we have served generations of families and businesses throughout the region and we appreciate the opportunity to now deliver extraordinary community banking to you. 1

4 Key Dates Related to the Transition of Your Accounts Personal Accounts There are many details associated with the transition of the Colonial American Bank accounts and the integration to the OceanFirst Bank technology platforms. As a result, your services will be temporarily impacted for a short time when the final transition is implemented. Please carefully review the key dates below, along with the tips and information on the following pages, so you can anticipate and prepare appropriately for the integration process. We expect the Middletown and Shrewsbury branches to close for the technology integration and transition of accounts and services on Friday, October 16 at 6:00p.m. and reopen as OceanFirst Bank branches on Monday, October 19 at 8:00a.m. Friday, October 16, 2015 Middletown and Shrewsbury branches of Colonial American Bank will close at 6:00p.m. and remain closed for the weekend. ATMs at the Middletown and Shrewsbury branches will have reduced services. All accounts, including those registered for electronic statements, will be mailed a printed statement which will reflect any account activity since the prior regular statement distributed by Colonial American Bank, through and including October 16. Colonial American Bank s Online Banking system, including mobile banking, will be unavailable after 6:00p.m. Also, Colonial American Bank s Bill Pay system will be unavailable beginning on Tuesday, October 13 at 8:00a.m. Additional information for Online Banking and Bill Pay customers will be mailed prior to the integration. Colonial American Bank s Telephone Banking System will be unavailable after 6:00p.m. 2

5 Saturday, October 17, 2015 and Sunday, October 18, 2015 Colonial American Bank debit cards may still be used for withdrawals and debit transactions. The ATMs at the Middletown and Shrewsbury branches may have limited functionality throughout the weekend. Online banking, mobile banking and telephone banking will not be available while we transition these services throughout the weekend. Monday, October 19, 2015 Middletown and Shrewsbury branches and ATMs will open to serve you at 8:00a.m. as OceanFirst Bank. The same staff members you have come to know at these locations will be available to assist you and answer any questions you may have about your accounts and services. Access to OceanFirst Bank s Online Banking, Bill Pay and Telephone Banking systems will be available to activate or enroll your account(s). An OceanFirst Bank Visa CheckCard will have been mailed automatically to any customer that currently uses a Colonial American Bank debit card to access account(s). Beginning on Monday, October 19, 2015, please activate your new OceanFirst Visa CheckCard by following the instructions included with the card, and be sure to register for UChoose Rewards. We invite you to use any OceanFirst Bank locations for your banking needs. Visit for a complete list of branches and ATMs available. 3

6 Tips to Help - What you can expect before, during, and after the integration Middletown and Shrewsbury branches and ATMs We expect the Middletown and Shrewsbury branches to close for the integration of technology and transition of accounts and services on Friday, October 16 at 6:00p.m. and reopen as OceanFirst Bank branches on Monday, October 19 at 8:00a.m. You will find many of the same staff members that have helped you with your banking previously will still be serving you at these branches. Please contact the Middletown and Shrewsbury staff with any questions you may have regarding the transition of your accounts. As a result of the technology integration, the ATMs located at these branches will be replaced starting on October 14. Once the ATMs at the Middletown branch and Shrewsbury branch have been replaced, customers using Colonial American Bank debit cards will have reduced functionality at these locations until they activate their new OceanFirst Bank Visa CheckCard on Monday, October 19th. Deposit Accounts Please continue to use your supplies of checks and deposit slips after the transition of your accounts. Account numbers for personal and business checking, savings, money market, certificates of deposit and Individual Retirement Accounts (IRAs) will remain the same. Any direct deposits or automatic debit instructions you have provided to merchants to access a checking or savings account will be unaffected as a result of the transition of your account to OceanFirst Bank. However, if a merchant has permission to place a recurring payment to your debit card you will need to contact the merchant or service provider directly with your updated information after you have activated your new OceanFirst Bank Visa CheckCard. 4

7 Statements for Deposit Accounts Every deposit account customer will receive a statement that is printed as of the close of business on October 16th that will include any activity in the deposit account since the previous statement received from Colonial American Bank. This is done in order to provide a final record of transactions included on the Colonial American Bank operating system. This statement will be sent by mail and includes customers that are using electronic statements. Please keep this information in a safe place with other records for your account. After the transition, statements for deposit accounts will be distributed by OceanFirst Bank and will provide all of the information you need regarding activity for your account. OceanFirst Bank checking and savings account statements will be prepared for a majority of customers using the same schedule you are accustomed to; however, statement cycles for some accounts may be adjusted slightly. If you received statements electronically from Colonial American Bank, you will need to re-register for this service at in online banking. Electronic Statements If you are currently registered for electronic statements with Colonial American Bank, access to these records will not be available as of Friday, October 16th at 6:00p.m. Please make sure you have stored all of your statement history prior to that time. Customers will not be able to access electronic statements after the transition and will need to re-register to continue this service by visiting online banking at continued 5

8 Online Banking and Bill Pay Services Colonial American Bank s Bill Pay Service will be unavailable as of Tuesday, October 13th. Any existing instructions for bill pay transactions will be completed without interruption. If you currently use Colonial American Bank s Bill Pay service, additional information regarding the transition of Online Banking and Bill Pay will be mailed to you separately. Colonial American Bank s Online Banking service will be unavailable as of Friday, October 16th at 6:00p.m. Please make sure you have stored electronic statement history prior to that time since you will not be able to access this system after the transition. OceanFirst Bank Online Banking and Bill Pay services will be available for you to register for these services once the transition of accounts has been completed. If you currently use these services with Colonial American Bank you will receive a separate communication with more detailed information. Debit Cards If you currently have a Colonial American Bank debit card, you will automatically receive a new OceanFirst Bank Visa CheckCard in the mail prior to the transition of your account. Your new card is currently scheduled to arrive no later than October 15th. Please keep your new OceanFirst Bank Visa CheckCard in a safe place until the morning of October 19th, when you will be able to activate your new card. Detailed instructions for activating your OceanFirst Bank Visa CheckCard, as well as how to register for UChoose Rewards, will be included in the package with your card. Your Colonial American Bank debit card can continue to be used for withdrawals and purchases until the transition of accounts is complete, which is currently scheduled for Monday, October 19th at 8:00a.m. 6

9 Although your new OceanFirst Bank CheckCard has a Visa affiliation, transactions completed using the card will still be automatically debited from your deposit account. If you have any recurring transfers authorized using your Colonial American Bank debit card, these will not be automatically transferred to your new card and you will need to contact merchants with your new OceanFirst Bank CheckCard information once you have activated your card. Loan Information The terms and conditions of your existing loan have not changed and you should continue to make payments as scheduled. Starting on October 19, 2015, loan payments may be made at any OceanFirst Bank branch or mailed to OceanFirst Bank, Attention Payment Processing, P.O. Box 2009, Toms River, New Jersey If your loan payment is made by a pre-authorized deduction from an account, payments will continue to occur without interruption. Once your loan has been migrated onto the OceanFirst Bank platform, you will receive a new loan number. The new loan number will be included on the first statement you receive from OceanFirst Bank after the integration of your account. If you have a home equity line of credit, you will automatically receive new checks to access your line. You may begin using the new OceanFirst Bank home equity line of credit checks on October 19th and you should destroy any remaining home equity checks for your Colonial American home equity line of credit at that time. Residential mortgage customers please refer to the required Notice of Service Transfer in this document. continued 7

10 Statements for Loans Commercial, Mortgage and Home Equity Loan Information A year to date statement reflecting any activity for loans serviced by Colonial American Bank from January 1, 2015 through October 16, 2015 will be printed and mailed shortly after the transition of accounts. This is done in order to provide you with a final record of transactions included on the Colonial American Bank operating system. This statement will be sent by mail and includes customers that are using electronic statements. Please keep this information in a safe place with other records for your account. Telephone Banking Colonial American Bank s telephone banking system will be unavailable after Friday, October 16th at 6:00p.m. OceanFirst Bank s telephone banking will be available for customers that would like to register for these services once the integration of accounts is completed. Please contact your local branch for more information about telephone banking at OceanFirst or call OCEAN33 to register. If you have any questions or concerns, please do not hesitate to contact the staff at your local branch directly. We are here to help you! Middletown Branch 1405 Route 35 North (in the Middletown Plaza) Shrewsbury Branch 490-B Shrewsbury Plaza Route 35 & Shrewsbury Avenue

11 Personal Deposit Accounts Your account will be automatically transferred to the account referenced below. We have carefully reviewed your current account features and identified the personal deposit account to best meet your needs. However, if you would like to review other choices for your account, please do not hesitate to contact your branch to discuss additional options. Existing Colonial American Bank Account Interest Checking 50+ Interest Checking Relationship Plus Checking Free Checking Money Market Statement Savings Certificate of Deposit Individual Retirement Account OceanFirst Bank Account* Simply Great Checking* Totally Free Checking Money Market Investment Account* Statement Savings* Certificate of Deposit (CD) Individual Retirement Account (IRA) *Accounts that earn interest will be paid on a calendar year of 365 or 366 days, as applicable, upon completion of the integration of Colonial American Bank accounts. Additional amendments to the terms and conditions of your account may apply. Please refer to the enclosures with this mailing for more details or contact your branch. Please refer to the Key Dates and Tips on the previous pages for more details about the transition of your accounts and services. Simply Great Checking for Personal Accounts Our premier interest checking account includes a free OceanFirst Bank Visa CheckCard, unlimited rebates of ATM fees by other banks, free checks, free online banking, free bill pay, free mobile check deposit and text banking, and free telephone account access. If your OceanFirst account will be a Simply Great Checking account, we have waived the monthly service fee of $6.95 through June 30, Afterward, simply maintain a daily balance of $5,000 and the service fee will continue to be waived. Remember to register your OceanFirst Bank Visa CheckCard for UChoose Rewards to begin earning points every time you swipe your card for a purchase. continued 9

12 Totally Free Checking for Personal Accounts The Totally Free Checking Account includes a free OceanFirst Bank Visa CheckCard, free online banking, free mobile check deposit and text banking, free telephone account access; and there is no minimum balance requirement for the account. If your OceanFirst account will be a Totally Free Checking account, we will waive the $2.50 fee for ATM transactions at ATMs not operated by OceanFirst Bank and the $5.95 monthly bill pay fee and offer rebates of ATM fees assessed by other banks of up to $10 per month through June 30, Remember to register your OceanFirst Bank Visa CheckCard for UChoose Rewards to begin earning points every time you swipe your card for a purchase. Money Market Investment Account, Statement Savings Account, CD and IRA The Money Market Investment Account and Statement Savings Accounts at OceanFirst Bank include the benefits of your current account. Money Market Investment Accounts may have a monthly service fee which will be automatically waived through June 30, 2016 for accounts transferred during the integration. Afterward, simply maintain a daily balance of $2,500 to waive the $10 service fee. Statement Savings accounts may have a monthly service fee which will be automatically waived through June 30, 2016 for accounts transferred during the integration. Afterward, simply maintain a daily balance of $250 to waive the $5 service fee. If you currently have a Certificate of Deposit or Individual Retirement Account these will automatically be transferred during the integration. You will receive additional notifications regarding your CD and IRA at the time you are scheduled for CD renewal or to coordinate your IRA distributions. 10

13 OceanFirst Bank offers many additional account options and services for your personal banking needs. Please contact your local branch to learn more. OceanFirst Bank Visa CheckCard and UChoose Rewards Mobile Banking with Touch ID and support for the Apple Watch Card Valet (personal control of your OceanFirst Bank Visa CheckCard) Classic Checking A+ Checking Kids Save Smart Account BlueChip Investment Account Free Will Review Appointments Also, you may visit any branch to discuss how OceanFirst Bank can provide a customized solution to manage your wealth or plan for your retirement. 11

14 Business Deposit Accounts Your account will be automatically transferred to the account referenced below. We have carefully reviewed your current account features and identified the business deposit account to best meet your needs. However, if you would like to review other choices for your account, please do not hesitate to contact your branch to discuss additional options. Existing Colonial American Bank Account Business Checking Plus Basic Business Checking Business Money Market Business Statement Savings OceanFirst Bank Account* Simply Great Business Checking Business Money Market Investment Account* Business Statement Savings* *Accounts that earn interest will be paid on a calendar year of 365 or 366 days, as applicable, upon completion of the integration of Colonial American Bank accounts. Additional amendments to the terms and conditions of your account may apply. Please refer to the enclosures with this mailing for more details or contact your branch. Please refer to the Key Dates and Tips on the previous pages for more details about the transition of your accounts and services. Simply Great Business Checking Our premier business checking account which includes up to 400 free transactions monthly, free online banking, free bill pay and an OceanFirst Bank Business Visa CheckCard. With a Simply Great Business Checking account several fees associated with your daily banking will be waived through June 30, Please contact your local branch with any questions or for more details. 12

15 Business Money Market Investment Account and Business Statement Savings Account The Business Money Market Investment Account and Business Statement Savings Account at OceanFirst Bank include the benefits of your current account. Several account fees that may be associated with these accounts have been waived through June 30, 2016 for accounts being integrated from Colonial American Bank. Please contact your local branch with any questions or for more details. OceanFirst Bank offers many additional options for your business banking needs. Please contact your local branch to learn more. Cash Management Services Onsite Deposit Services Merchant BankCard Services Community Business Checking Business Analysis Checking Loans and Lines of Credit Also, you may visit any branch to discuss how OceanFirst Bank can provide a customized solution to manage your wealth or plan for your retirement. 13

16 Commercial Loans and Credit Services All Colonial American Bank commercial loans and lines of credit will be automatically integrated into the OceanFirst Bank system with no changes made to the terms and conditions of the loans. If you are a commercial borrowing customer, please do not hesitate to contact your relationship manager with any questions about the transition. Starting on October 19, 2015, commercial loan payments may be made at any OceanFirst Bank branch or mailed to OceanFirst Bank, Attention Payment Processing, P.O. Box 2009, Toms River, New Jersey If your loan payment is made by a pre-authorized deduction from an account, this will continue to occur without interruption. As part of the integration process, your commercial loan will be assigned a new account number. Your new commercial loan account number will be included on the first loan statement you receive from OceanFirst Bank after the transition of your loan is completed. Please note, a year to date statement reflecting any activity for loans serviced by Colonial American Bank from January 1, 2015 through October 16, 2015 will be printed and mailed shortly after the transition of accounts. This is done in order to provide you with a final record of transactions included on the Colonial American Bank operating system. This statement will be sent by mail and includes customers that are using electronic statements. Please keep this information in a safe place with other records for your account. 14

17 OceanFirst Bank offers financing solutions and banking services to meet the needs of companies throughout New Jersey. Please contact your relationship manager, or call our Red Bank Financial Solutions Center at OCEAN33, ext to learn more about how we can make a difference to you and your organization. Commercial and Industrial Lending Commercial Real Estate Lending Borrowing options for Professionals and Not-for-Profit Organizations Customized solutions to manage wealth or plan for retirement 15

18 Residential Mortgages, Home Equity Loans and Lines of Credit A letter was mailed in a separate communication to borrowers last month recording the transfer of ownership to OceanFirst Bank. The residential mortgages and home equity loans and lines of credit will be automatically integrated into the OceanFirst Bank system with no changes made to the terms and conditions of the loans. Starting on October 19, 2015, loan payments may be made at any OceanFirst Bank branch or mailed to OceanFirst Bank, Attention Payment Processing, P.O. Box 2009, Toms River, New Jersey If your loan payment is made by a pre-authorized deduction from an account, this will continue to occur without interruption. Your loan account number will change during the integration process and the account number will be included on the first statement you receive from OceanFirst Bank for your loan. If you have a home equity line of credit, you will automatically receive new checks to access your line. You may begin using the new OceanFirst Bank home equity line of credit checks on October 19th and you should destroy any remaining Colonial American Bank home equity checks at that time. Shortly after the integration of systems is completed, a statement reflecting any activity for your account since the previous statement you received from Colonial American Bank will be automatically printed and mailed. This is done in order to provide you with a final record of transactions included on the Colonial American Bank operating system. Please keep this information in a safe place with other records for your account. If you would like more information about the home financing options available at OceanFirst Bank, please contact your local branch. Construction Loans Home Equity Loans & Lines of Credit Jumbo Mortgages Fixed and Adjustable Rate Mortgages Reverse Mortgages 16

19 Notice of Servicing Transfer for Loans The servicing of your loan is being transferred from Colonial American Bank to OceanFirst Bank, 975 Hooper Avenue in Toms River New Jersey 08753, effective October 19, You may continue to make your payments at any OceanFirst Bank branch. If you mail your payment, please send all payments mailed on or after October 19, 2015 to OceanFirst Bank, Attention Payment Processing, P.O. Box 2009, Toms River, New Jersey All other terms and conditions remain in effect. If you have questions for either your present servicer or your new servicer about your loan or this transfer, please contact OceanFirst Bank at OCEAN33, ext The loan servicing department of OceanFirst Bank is located at 975 Hooper Avenue, Toms River, NJ Under federal law, during the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. 17

20 Banking Locations Throughout Central New Jersey to Serve You Once the integration of our technology platforms is complete, you will have a large selection of locations available for your banking convenience. Visit for a current list of OceanFirst Bank ATMs and locations. Barnegat Gunning River Mall 845 West Bay Avenue Barnegat, NJ OCEAN33, ext Freehold Freehold Marketplace 308 West Main Street Freehold, NJ OCEAN33, ext Bayville 791 Route 9 Bayville, NJ OCEAN33, ext Brick 385 Adamston Road Brick, NJ OCEAN33, ext Jackson Jackson Plaza 260 North County Line Road Jackson, NJ OCEAN33, ext Leesville Road Jackson, NJ OCEAN33, ext Chambers Bridge Road Brick, NJ OCEAN33, ext Brick Boulevard Brick, NJ OCEAN33, ext Lacey 900 Lacey Road Forked River, NJ OCEAN33, ext

21 Little Egg Harbor Little Egg Harbor Plaza 425 Route 9 South Little Egg Harbor, NJ OCEAN33, ext Monroe Township Concordia Mall 1600 Perrineville Road, Monroe Township, NJ OCEAN33, ext Long Branch Pier Village 52 Centennial Drive Long Branch, NJ OCEAN33, ext Manahawkin 205 Route 72 West Manahawkin, NJ OCEAN33, ext Middletown Middletown Plaza 1405 Route 35 North Middletown, NJ Point Pleasant Beach 701 Arnold Avenue Point Pleasant Beach, NJ OCEAN33, ext Point Pleasant Borough 2400 Bridge Avenue Point Pleasant, NJ OCEAN33, ext Route 88 Point Pleasant, NJ OCEAN33, ext Red Bank Financial Solutions Center 73 Broad Street Red Bank, NJ OCEAN33, ext continued 19

22 Shrewsbury Shrewsbury Plaza 490-B, Route 35 & Shrewsbury Avenue Shrewsbury, NJ Spring Lake Heights 2401 Route 71 Spring Lake Heights, NJ OCEAN33, ext Toms River 975 Hooper Avenue Toms River, NJ OCEAN33, ext Wall Township 2443 Route 34 Manasquan, NJ OCEAN33, ext Waretown 501 Route 9 Waretown, NJ OCEAN33, ext Whiting Whiting Commons 400 Lacey Road Whiting, NJ OCEAN33, ext Bananier Drive & Route 37 West, Toms River, NJ OCEAN33, ext The Shoppes at Lake Ridge 147 Route 70 Toms River, NJ OCEAN33, ext

23 At OceanFirst, we have served generations of families and businesses throughout the region. Thank you for the opportunity to deliver extraordinary community banking to you.

24 Please carefully review all of the information enclosed regarding the transition of the Colonial American Bank technology platforms to OceanFirst Bank. If you have any questions or concerns, do not hesitate to contact the staff at your local branch directly. Middletown Branch 1405 Route 35 North (in the Middletown Plaza) Shrewsbury Branch 490-B Shrewsbury Plaza Route 35 & Shrewsbury Avenue In order to be certain you received this important information multiple copies of these materials may have been mailed to you. We sincerely apologize if this caused any inconvenience.

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