Eastern Time, on Friday, January 27, 2017, to discuss highlights of the Company’s fourth quarter operating performance. The direct dial number for the call is 1-888-338-7143. For those unable to participate in the conference call, a replay will be available. To access the replay, dial 1-877-344-7529, Replay Conference Number 10098553 from one hour after the end of the call until April 27, 2017. The conference call will also be available (listen-only) via the Internet by accessing the Company’s Web address: www.oceanfirst.com – Investor Relations. Web users should go to the site at least fifteen minutes prior to the call to register, download and install any necessary audio software. The webcast will be available for 90 days. OceanFirst Financial Corp.s subsidiary, OceanFirst Bank, founded in 1902, is a community bank with $5.2 billion in assets and 61 branches located throughout central and southern New Jersey. OceanFirst Bank delivers commercial and residential financing solutions, wealth management, and deposit services and is the largest and oldest community-based financial institution headquartered in Ocean County, New Jersey. OceanFirst Financial Corp.’s press releases are available at http://www.oceanfirst.com . Forward-Looking Statements In addition to historical information, this news release contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are based on certain assumptions and describe future plans, strategies and expectations of the Company. These forward-looking statements are generally identified by use of the words “believe,” “expect,” “intend,” “anticipate,” “estimate,” “project,” “will,” “should,” “may,” “view,” “opportunity,” “potential,” or similar expressions or expressions of confidence. The Company’s ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which could have a material adverse effect on the operations of the Company and its subsidiaries include, but are not limited to: changes in interest rates, general economic conditions, levels of unemployment in the Banks lending area, real estate market values in the Banks lending area, future natural disasters and increases to flood insurance premiums, the level of prepayments on loans and mortgage-backed securities, legislative/regulatory changes, monetary and fiscal policies of the U.S. Government including policies of the U.S.


At the same time Clients should have the opportunity to verify the creditworthiness of the Funder before paying any fees. There are fees and charges associated with putting off the repayment of a loan, but it is better to pay these fees than to have a large pupil loan go into default. The bank will usually start the bid for the final judgement amount which is the outstanding loan balance, plus the foreclosure processing costs. If you are getting a mortgage, you should settle only for the best deal out there in the market. It is the responsibility of the Client. The first step in the loan process is the appraisal of the applicants financial status. For instance, earlier this year I was having some trouble with my air conditioning unit.

Let us small business credit say you are loaded with many loans ranging from credit card debt, car loan, store cards, fuel cards etc. But it is not over yet because the pro now reneges on his last bid and the newbie gets the property at a grossly inflated price! The reality of it is we need to get through this mess we cont need to stave it off, push it out further and in my opinion that is what this does. In this method, your focus is on the debt with the lowest balance. Employment in residential construction dropped 36.6% and home loan credit companies started laying off employees so fast they lost 44% of the workforce in the same period.