<SEC-DOCUMENT>0001193125-20-136303.txt : 20200507
<SEC-HEADER>0001193125-20-136303.hdr.sgml : 20200507
<ACCEPTANCE-DATETIME>20200507162143
ACCESSION NUMBER:		0001193125-20-136303
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20200501
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Material Modifications to Rights of Security Holders
ITEM INFORMATION:		Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200507
DATE AS OF CHANGE:		20200507

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OCEANFIRST FINANCIAL CORP
		CENTRAL INDEX KEY:			0001004702
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				223412577
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11713
		FILM NUMBER:		20856785

	BUSINESS ADDRESS:	
		STREET 1:		975 HOOPER AVE
		CITY:			TOMS RIVER
		STATE:			NJ
		ZIP:			08753-8396
		BUSINESS PHONE:		7322404500

	MAIL ADDRESS:	
		STREET 1:		975 HOOPER AVENUE
		CITY:			TOMS RIVER
		STATE:			NJ
		ZIP:			08723

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	OCEAN FINANCIAL CORP
		DATE OF NAME CHANGE:	19951208
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d792860d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8" ?>
<html xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31" xmlns:us-types="http://fasb.org/us-types/2019-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:ocfc="http://www.oceanfirstonline.com/20200501" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>Form 8-K</title>
<meta http-equiv="Content-Type" content="text/html" />
</head>
   <body>
 <div style="display:none"> <ix:header> <ix:hidden> <ix:nonNumeric id="Hidden_dei_EntityRegistrantName" name="dei:EntityRegistrantName" contextRef="duration_2020-05-01_to_2020-05-01">OCEANFIRST FINANCIAL CORP</ix:nonNumeric> <ix:nonNumeric name="dei:AmendmentFlag" contextRef="duration_2020-05-01_to_2020-05-01">false</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_EntityCentralIndexKey" name="dei:EntityCentralIndexKey" contextRef="duration_2020-05-01_to_2020-05-01">0001004702</ix:nonNumeric> <ix:nonNumeric id="Hidden_dei_CurrentFiscalYearEndDate_duration_2020-05-01_to_2020-05-01" name="dei:CurrentFiscalYearEndDate" contextRef="duration_2020-05-01_to_2020-05-01">--12-31</ix:nonNumeric> </ix:hidden> <ix:references> <link:schemaRef xlink:type="simple" xlink:href="ocfc-20200501.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef> </ix:references> <ix:resources> <xbrli:context id="duration_2020-05-01_to_2020-05-01"> <xbrli:entity> <xbrli:identifier scheme="http://www.sec.gov/CIK">0001004702</xbrli:identifier> </xbrli:entity> <xbrli:period> <xbrli:startDate>2020-05-01</xbrli:startDate> <xbrli:endDate>2020-05-01</xbrli:endDate> </xbrli:period> </xbrli:context> </ix:resources> </ix:header> </div> <div style="font-size:10pt;width:8.5in;margin:0 auto"> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <p style="margin-bottom:0px;margin-top:4pt"></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">UNITED STATES</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0pt;margin-top:0pt">SECURITIES AND EXCHANGE COMMISSION</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Washington, DC 20549</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:18pt;margin-bottom:0px;margin-top:12pt">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="duration_2020-05-01_to_2020-05-01">8-K</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">CURRENT REPORT</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">Pursuant to Section 13 or 15(d)</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0pt;margin-top:0pt">of the Securities Exchange Act of 1934</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:12pt;margin-bottom:0px;margin-top:12pt">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt:datemonthdayyearen">May 1, 2020</ix:nonNumeric></p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:24pt;margin-bottom:0px;margin-top:12pt"> <span style=" -sec-ix-hidden:Hidden_dei_EntityRegistrantName">OceanFirst Financial Corp.</span> </p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(Exact name of registrant as specified in its charter)</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityFileNumber" contextRef="duration_2020-05-01_to_2020-05-01">001-11713</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="duration_2020-05-01_to_2020-05-01">22-3412577</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(State or other jurisdiction</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">of incorporation)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(Commission</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">File Number)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(I.R.S. Employer</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Identification No.)</p></td></tr></table>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:50%;"></td>
<td style="width:1%;"></td>
<td style="width:48%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityAddressAddressLine1" contextRef="duration_2020-05-01_to_2020-05-01">110 West Front Street</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="duration_2020-05-01_to_2020-05-01">Red Bank</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:stateprovnameen">New Jersey</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" contextRef="duration_2020-05-01_to_2020-05-01">07701</ix:nonNumeric></p></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Address of principal executive offices)</p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(Zip Code)</p></td></tr></table> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Registrant&#8217;s telephone number, including area code: <ix:nonNumeric name="dei:CityAreaCode" contextRef="duration_2020-05-01_to_2020-05-01">(732)</ix:nonNumeric> <ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="duration_2020-05-01_to_2020-05-01">240-4500</ix:nonNumeric></p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Former name or former address, if changed since last report: N/A</p> <div style="text-align:center"> <p style="line-height:6pt;margin-left:auto;border-bottom:1px solid #000000;width:21.05%;margin-right:auto;margin-top:12pt;margin-bottom:0px">&#160;</p></div> <p style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</p> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Times New Roman;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0px;margin-top:12pt">Securities registered pursuant to Section&#160;12(b) of the Act:</p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:34%;"></td>
<td></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:33%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Title of each class</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trading</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Symbol(s)</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Name of each exchange</p> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">on which registered</p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-05-01_to_2020-05-01">Common Stock, $0.01 par value per share</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-05-01_to_2020-05-01">OCFC</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:exchnameen">NASDAQ</ix:nonNumeric></p></td></tr></table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule <span style="white-space:nowrap">12b-2</span> of the Securities Exchange Act of 1934 (&#167;<span style="white-space:nowrap">240.12b-2</span> of this chapter).</p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Emerging growth company&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2020-05-01_to_2020-05-01" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal">&#9744;</span></p> <p style="margin-bottom:0px;margin-top:10pt"></p> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p></div>

<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;1.01. </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Entry into a Material Definitive Agreement.</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">On May&#160;1, 2020, OceanFirst Financial Corp. (the &#8220;Company&#8221;) entered into an Underwriting Agreement (the &#8220;Underwriting Agreement&#8221;) with Piper Sandler&#160;&#038; Co. and Raymond James&#160;&#038; Associates, Inc. (the &#8220;Underwriters&#8221;), pursuant to which the Company issued and sold an aggregate of 2,200,000 depositary shares (the &#8220;Depositary Shares&#8221;), each representing a 1/40th interest in a share of the Company&#8217;s 7.00% <span style="white-space:nowrap">Fixed-to-Floating</span> Rate <span style="white-space:nowrap">Non-Cumulative</span> Perpetual Preferred Stock, Series A, par value $0.01 per share (the &#8220;Preferred Stock&#8221;), with a liquidation preference of $25 per Depositary Share (equivalent to $1,000 per share of Preferred Stock). The Company has granted to the Underwriters an option, exercisable for 30 days, to purchase up to an additional 330,000 Depositary Shares, at the public offering price less the underwriting discount, to cover overallotments, if any. The Depositary Shares are represented by depositary receipts (the &#8220;Depositary Receipts&#8221;). </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">The offering of the Depositary Shares closed on May&#160;7, 2020. The net proceeds from the sale of the Depositary Shares to the Company were approximately $53,189,900, after deducting underwriting discounts and commissions and estimated offering expenses. The Company intends to use the net proceeds of the offering for general corporate purposes, which may include providing capital to support its growth organically or through strategic acquisitions, repaying indebtedness, financing investments, capital expenditures, repurchasing shares of common stock and for investments in the Company&#8217;s wholly owned subsidiary, OceanFirst Bank, N.A. as regulatory capital. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Depositary Shares were offered and sold pursuant to an effective shelf registration statement on Form <span style="white-space:nowrap">S-3</span> filed with the Securities and Exchange Commission on March&#160;24, 2020 (Registration No.<span style="white-space:nowrap">&#160;333-237356),</span> a base prospectus, dated March&#160;24, 2020 included as part of the registration statement, a preliminary prospectus supplement, dated April&#160;30, 2020 and a final prospectus supplement, filed on May&#160;5, 2020 with the Securities and Exchange Commission pursuant to Rule 424(b) under the Securities Act of 1933 (the &#8220;Securities Act&#8221;). </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">The Underwriting Agreement contains representations, warranties and covenants customary in agreements of this type. These representations, warranties and covenants are not representations of factual information to investors about the Company or its subsidiaries, and the sale of the Depositary Shares is not a representation that there has not been any change in the condition of the Company. The Company also agreed to indemnify the Underwriters against certain liabilities arising out of or in connection with the sale of the Depositary Shares. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">The foregoing description of the Underwriting Agreement is not complete and is qualified in its entirety by reference to the complete text of the Underwriting Agreement, a copy of which is attached as Exhibit 1.1 to this Current Report on Form <span style="white-space:nowrap">8-K</span> and incorporated by reference into this Item 1.01. </p> <p style="margin-bottom:0px;margin-top:18pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;3.03. </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Material Modification to Rights of Security Holders</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">On May&#160;6, 2020, the Company filed a Certificate of Designation (the &#8220;Certificate of Designation&#8221;) with the Secretary of State of the State of Delaware, establishing the terms, preferences, privileges, designations, rights, qualifications, limitations, and restrictions thereof, of the Preferred Stock. Holders of the Depositary Shares will be entitled to all proportional rights and preferences of the Preferred Stock represented thereby (including dividend, voting, redemption, and liquidation rights). </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0pt;margin-top:0pt">The Company will pay dividends on the Preferred Stock, when, as, and if declared by its board of directors or a duly authorized committee of its board of directors, to the extent that the Company has lawfully available funds to pay dividends. If declared, dividends will accrue and be payable from and including the date of original issuance to, but excluding May&#160;15, 2025 or the date of earlier redemption, at a rate of 7.00% per annum and from and including May&#160;15, 2025 to, but excluding the date of earlier redemption, at a floating rate per annum equal to a Benchmark Rate (which is expected to be Three-Month Term SOFR (as defined in the prospectus supplement)) plus 684.5 basis points, payable quarterly in arrears on February&#160;15, May&#160;15, August&#160;15 and November&#160;15 of each year, with the first dividend payment commencing on August&#160;15, 2020. Notwithstanding the foregoing, if the benchmark rate is less than zero, the benchmark rate shall be deemed to be zero. Upon payment of any dividends on the Preferred Stock, holders of Depositary Shares are expected to receive a proportionate payment. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Subject to regulatory approval (if then required), on May&#160;15, 2025, or any dividend payment date thereafter, the Preferred Stock may be redeemed at the Company&#8217;s option, in whole or in part, at a cash redemption price equal to $1,000 per share of Preferred Stock (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends, without accumulation of any undeclared dividends to but excluding the redemption date. The Preferred Stock also may be redeemed, subject to regulatory approval (if then required), at any time within 90 days following a &#8220;Regulatory Capital Treatment Event,&#8221; as described in the prospectus supplement, at the Company&#8217;s option, in whole, but not in part, at a cash redemption price equal to $1,000 per share of Preferred Stock (equivalent to $25 per Depositary Share), plus any declared and unpaid dividends, without accumulation of any undeclared dividends to but excluding the redemption date. Holders of Depositary Shares will not have the right to require the redemption or repurchase of the Depositary Shares. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Under the terms of the Preferred Stock, the ability of the Company to (i)&#160;declare, pay, or set aside for payment any dividend or distribution on its common stock or any other shares of capital stock ranking junior to the Preferred Stock, (ii)&#160;repurchase, redeem, or otherwise acquire for consideration, directly or indirectly, any shares of its common stock or other capital stock ranking junior to the Preferred Stock, or (iii)&#160;repurchase, redeem, or otherwise acquire for consideration, directly or indirectly, any shares of capital stock ranking on parity with the Preferred Stock, including the Preferred Stock, will in each case be subject to restrictions in the event that the Company does not declare dividends on the Preferred Stock for the most recently completed dividend period. The foregoing description of the Certificate of Designation is qualified in its entirety by reference to the full text of the Certificate of Designation, a copy of which is filed as Exhibit 3.2 to the Company&#8217;s Registration Statement on Form <span style="white-space:nowrap">8-A</span> filed on May&#160;7, 2020 and is incorporated herein by reference. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">In connection with the issuance of the Depositary Shares, the Company entered into a Deposit Agreement, dated May&#160;7, 2020 (the &#8220;Deposit Agreement&#8221;), among the Company, Broadridge Corporate Issuer Solutions, Inc., as depositary, and the holders from time to time of the Depositary Receipts issued thereunder. The Preferred Stock represented by the Depositary Shares were deposited against the delivery of the Depositary Receipts pursuant to the Deposit Agreement. The foregoing description of the Deposit Agreement and the Depositary Receipts are qualified in their entirety by reference to the full text of the Deposit Agreement and the form of Depositary Receipt, copies of which are filed as Exhibit 4.2 and Exhibit 4.3, respectively, to the Company&#8217;s Registration Statement on Form <span style="white-space:nowrap">8-A</span> filed May&#160;7, 2020 and are incorporated herein by reference. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0pt;margin-top:0pt">A copy of the opinion of Skadden, Arps, Slate, Meagher&#160;&#038; Flom LLP, counsel to the Company, relating to the legality of the Depositary Shares and the Preferred Stock is filed as Exhibit 5.1 hereto. </p> <p style="margin-bottom:0px;margin-top:18pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;5.03. </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">The Certificate of Designation became effective upon filing with the Secretary of State of the State of Delaware, and it amends the Company&#8217;s Restated Certificate of Incorporation, as amended. The terms of the Preferred Stock are more fully described in Item 3.03 of this Current Report on Form <span style="white-space:nowrap">8-K</span> and the Certificate of Designation, which is filed as Exhibit 3.2 to the Company&#8217;s Registration Statement on Form <span style="white-space:nowrap">8-A</span> filed on May&#160;7, 2020, both of which are incorporated by reference herein. </p> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:18pt">Item&#160;8.01 &#8211; Other Events </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">On May&#160;4, 2020, the Company issued a press release announcing the pricing of its offering of the Depositary Shares, which is furnished hereto as Exhibit 99.1. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">This Current Report on Form <span style="white-space:nowrap">8-K,</span> including the Exhibits hereto, shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Depositary Shares or underlying Preferred Stock in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Any offering of the Depositary Shares and the underlying Preferred Stock is being made only by means of a written prospectus meeting the requirements of Section&#160;10 of the Securities Act. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto">
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Times New Roman;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:10%;vertical-align:top;white-space:nowrap;">Item&#160;9.01 </td>
<td style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Financial Statements and Exhibits</td> </tr> </table> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt"> <span style="font-weight:Bold;font-style:normal">(d)</span>&#32;<span style="font-weight:Bold;font-style:Italic">Exhibits</span>. The following exhibits accompany this report. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td></td>
<td></td>
<td></td>
<td style="width:5%;"></td>
<td style="width:92%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td colspan="2" style="white-space:nowrap;vertical-align:bottom;text-align:center;"> <p style="font-family:Times New Roman;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Exhibit <br />No. </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;display:inline-block;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center;"> <p style="font-family:Times New Roman;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Description </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;1.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d792860dex11.htm">Underwriting Agreement, dated May&#160;1, 2020, by and among OceanFirst Financial Corp., Piper Sandler&#160;&#038; Co. and Raymond James&#160;&#038; Associates, Inc. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;3.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="http://www.sec.gov/Archives/edgar/data/1004702/000119312520135695/d889705dex32.htm">Certificate of Designation of 7.00% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A, of the Company, filed with the Secretary of State of the State of Delaware and effective May&#160;6, 2020 (incorporated herein by reference to Exhibit 3.2 to the Company&#8217;s Registration Statement on Form 8-A, filed on May&#160;7, 2020). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;4.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="http://www.sec.gov/Archives/edgar/data/1004702/000119312520135695/d889705dex41.htm">Specimen of the Company&#8217;s 7.00% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A Certificate (incorporated by reference to Exhibit 4.1 to the Company&#8217;s Registration Statement on Form 8-A, filed on May&#160;7, 2020). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;4.2 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="http://www.sec.gov/Archives/edgar/data/1004702/000119312520135695/d889705dex42.htm">Deposit Agreement, dated as of May&#160;7, 2020, among the Company, Broadridge Corporate Issuer Solutions, Inc., as depositary, and the holders from time to time of the depositary receipts described therein (incorporated by reference to Exhibit 4.2 to the Company&#8217;s Registration Statement on Form 8-A, filed on May&#160;7, 2020). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;4.3 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="http://www.sec.gov/Archives/edgar/data/1004702/000119312520135695/d889705dex42.htm">Form of Depositary Receipt (included as Exhibit A in Exhibit 4.2 hereto). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;5.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d792860dex51.htm">Opinion of Skadden, Arps, Slate, Meagher&#160;&#038; Flom LLP. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">23.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d792860dex51.htm">Consent of Skadden, Arps, Slate, Meagher&#160;&#038; Flom LLP (included in Exhibit 5.1 hereto). </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">99.1 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d792860dex991.htm">Press Release dated May&#160;4, 2020. </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Times New Roman;font-size:10pt;margin-bottom:0pt;margin-top:0pt">104 </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Times New Roman;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Cover Page Interactive Data File (embedded within the Inline XBRL document). </p> </td> </tr> </table> <p style="font-family:Times New Roman;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:18pt">Forward-Looking Statements </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:6pt">This report contains forward-looking statements within the meaning of Section&#160;27A of the Securities Act of 1933 and Section&#160;21E of the Securities Exchange Act of 1934. Any statements about the Company&#8217;s expectations, beliefs, plans, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. These forward-looking statements are generally identified by use of the words &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; &#8220;project,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;may,&#8221; &#8220;view,&#8221; &#8220;opportunity,&#8221; &#8220;potential,&#8221; or similar expressions or expressions of confidence. Accordingly, these statements involve estimates, assumptions and uncertainties, which could cause actual results to differ materially from those expressed in them. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Forward-looking statements are subject to known and unknown risks and uncertainties, which change over time, and are based on management&#8217;s expectations and assumptions at the time the statements are made, and are not guarantees of future results. The Company&#8217;s actual results may differ materially from those expressed or anticipated in the forward-looking statements for many reasons, including the factors described in the section entitled &#8220;Risk Factors&#8221; in this prospectus, in any risk factors described in a supplement to this or in other filings. </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">You should not unduly rely on these forward-looking statements, which speak only as of the date on which they are made. The Company undertakes no obligation to publicly revise any forward-looking statement to reflect circumstances or events after the date of this prospectus or to reflect the occurrence of unanticipated events. You should, however, review the factors and risks the Company describes in the reports the Company files from time to time with the SEC after the date hereof. The Company undertakes no obligation to revise or update the forward-looking statements contained herein at any time. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:8.5in;margin:0 auto"> <p style="font-family:Times New Roman;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">SIGNATURE </p> <p style="font-family:Times New Roman;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:0px;margin-right:auto">
<tr>
<td style="width:46%;"></td>
<td style="width:1%;"></td>
<td style="width:4%;"></td>
<td style="width:1%;"></td>
<td style="width:2%;"></td>
<td style="width:1%;"></td>
<td style="width:45%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">OceanFirst Financial Corp. </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Date: May&#160;7, 2020 </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">By: </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:left;margin-bottom:1pt;font-size:10pt;margin-top:0pt;border-bottom:1px solid #000000">/s/ Michael J. Fitzpatrick </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Michael J. Fitzpatrick </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Times New Roman;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Executive Vice President and Chief Financial Officer </p> </td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 </div>

</body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-1.1
<SEQUENCE>2
<FILENAME>d792860dex11.htm
<DESCRIPTION>EX-1.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-1.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 1.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2,200,000 Depositary Shares </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Each
Representing a 1/40th Interest in a Share of </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7.00%
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series A </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">OCEANFIRST FINANCIAL CORP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>UNDERWRITING AGREEMENT </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">May&nbsp;1, 2020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co.
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Raymond James&nbsp;&amp; Associates, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">As
Representatives of the several </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Underwriters named in Schedule I hereto </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o Piper Sandler Companies </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1251 Avenue of the Americas, 6th
Floor </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York 10020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o Raymond
James&nbsp;&amp; Associates, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">880 Carillon Parkway, Tower 3 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">St. Petersburg, Florida 33716 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">OceanFirst Financial Corp., a Delaware corporation (the &#147;Company&#148;), proposes to (i)&nbsp;issue and sell to the several underwriters
named in Schedule I (the &#147;Underwriters,&#148; which term also includes any underwriter substituted as hereinafter provided in Section&nbsp;10 hereof), acting severally and not jointly, the respective number of depositary shares (the
&#147;Initial Depositary Shares&#148;), each such depositary share representing ownership of a 1/40th interest in a share of the Company&#146;s 7.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT>
Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series A, par value $0.01 per share (the &#147;Preferred Stock&#148;), set forth in Schedule I hereto and (ii)&nbsp;grant to the Underwriters, acting severally
and not jointly, the option described in Section&nbsp;2(b) hereof to purchase up to 330,000 additional depositary shares (the &#147;Option Depositary Shares&#148; and together with the Initial Depositary Shares, the &#147;Depositary Shares&#148;).
Shares of Preferred Stock will, when issued, be deposited by the Company against delivery of depositary receipts (&#147;Depositary Receipts&#148;) to be issued by Broadridge Corporate Issuer Solutions, Inc., a Delaware corporation, as depositary
(the &#147;Depositary&#148;) under the Deposit Agreement, to be dated as of the Closing Time (as defined in Section&nbsp;2(c) hereof), among the Company, the Depositary and the holders from time to time of the Depositary Receipts issued thereunder
(the &#147;Deposit Agreement&#148;). Each Depositary Receipt will evidence one or more Depositary Shares. The Preferred Stock and the Depositary Shares are herein collectively referred to as the &#147;Securities.&#148; Piper Sandler&nbsp;&amp; Co.
(&#147;Piper Sandler&#148;) and Raymond James&nbsp;&amp; Associates, Inc. have agreed to act as representatives of the several Underwriters (in such capacity, the &#147;Representatives&#148;) in connection with the offering and sale of the
Securities. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Deposit Agreement and this Agreement are hereinafter referred to collectively as the
&#147;Operative Documents.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company has filed with the Securities and Exchange Commission (the &#147;Commission&#148;) an
&#147;automatic shelf registration statement&#148; (as defined in Rule 405 of the rules and regulations (the &#147;1933 Act Regulations&#148;) of the Commission under the Securities Act of 1933, as amended (the &#147;1933 Act&#148;)) on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> (No. <FONT STYLE="white-space:nowrap">333-237356)</FONT> covering the registration of certain securities, including the Securities, under the 1933 Act and the 1933 Act Regulations, which registration statement,
and any post-effective amendment thereto, became effective upon filing under Rule 462(e) of the 1933 Act Regulations (&#147;Rule 462(e)&#148;). Such registration statement, at any given time, including any amendments thereto existing at such time,
the exhibits and any schedules thereto on file with the Commission at such time, the information incorporated by reference therein pursuant to Item 12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the 1933 Act at such time and the
information otherwise deemed to be a part thereof or included therein at such time by the 1933 Act Regulations, is referred to herein as the &#147;Registration Statement.&#148; Promptly after execution and delivery of this Agreement, the Company
will prepare and file a prospectus supplement with respect to the Securities with the Commission in accordance with the provisions of Rule 430B of the 1933 Act Regulations (&#147;Rule 430B&#148;) and Rule 424(b) of the 1933 Act Regulations
(&#147;Rule 424(b)&#148;). Any information included in each such prospectus supplement that was omitted from the Registration Statement or any post-effective amendment thereto that is deemed to be part thereof and included therein pursuant to Rule
430B is referred to herein as the &#147;Rule 430B Information.&#148; The final prospectus and each prospectus supplement relating to the Securities, including the documents incorporated by reference or deemed to be incorporated by reference therein
pursuant to Item 12 of Form <FONT STYLE="white-space:nowrap">S-3</FONT> under the 1933 Act, in the form first furnished to the Underwriters for use in connection with the offering of the Securities, are collectively referred to herein as the
&#147;Prospectus.&#148; Each prospectus and related prospectus supplement used in connection with the offering of the Securities that omitted the Rule 430B Information is herein called a &#147;preliminary prospectus.&#148; For purposes of this
Agreement, all references to the Registration Statement, the Prospectus or any preliminary prospectus or any amendment or supplement to any of the foregoing shall be deemed to include the copy filed with the Commission pursuant to its Electronic
Data Gathering, Analysis and Retrieval system (or any successor system) (&#147;EDGAR&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All references in this Agreement to
financial statements and schedules and other information which is &#147;contained,&#148; &#147;included&#148; or &#147;stated&#148; (or other references of like import) in the Registration Statement, the Prospectus or any preliminary prospectus
shall be deemed to include all such financial statements and schedules and other information which are incorporated by reference in or otherwise deemed by the 1933 Act Regulations to be a part of or included in the Registration Statement, the
Prospectus or any preliminary prospectus, as the case may be, prior to the execution of this Agreement; and all references in this Agreement to amendments or supplements to the Registration Statement, the Prospectus or any preliminary prospectus
shall be deemed to include the filing of any document under the Securities Exchange Act of 1934, as amended (the &#147;1934 Act&#148;), and the rules and regulations promulgated thereunder (the &#147;1934 Act Regulations&#148;) which is incorporated
by reference in or otherwise deemed by the 1933 Act Regulations to be a part of or included in the Registration Statement, the Prospectus or any preliminary prospectus, as the case may be, after the execution of this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company represents and warrants to each of the Underwriters as of the date hereof, as of the Applicable Time (as defined in
Section&nbsp;1(b) hereof) and as of the Closing Time (as defined in Section&nbsp;2 hereof) and any Date of Delivery (as defined in Section&nbsp;2 hereof), and agrees with each of the Underwriters, as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Status as Well Known Seasoned Issuer</I>. (1)&nbsp;At the time of filing the Registration Statement, (2)&nbsp;at
the time of each subsequent amendment to the Registration Statement for the purposes of complying with Section&nbsp;10(a)(3) of the 1933 Act (whether such amendment was by post-effective amendment, incorporated report filed pursuant to
Section&nbsp;13 or 15(d) of the 1934 Act or form of prospectus), (3) at the time the Company or any person acting on its behalf (within the meaning, for this subsection only, of Rule 163(c) of the 1933 Act Regulations) made any offer relating to the
Securities in reliance on the exemption of Rule 163 of the 1933 Act Regulations (&#147;Rule 163&#148;) and (4)&nbsp;at the date hereof, the Company was and is a &#147;well-known seasoned issuer&#148; (as defined in Rule 405), including not having
been and not being an &#147;ineligible issuer&#148; (as defined in Rule 405). The Registration Statement is an &#147;automatic shelf registration statement&#148; (as defined in Rule 405), and the Securities, as of the date of their registration on
the Registration Statement, were, and, as of the date hereof and as of the Closing Time or any Date of Delivery, remain, eligible for registration by the Company on an &#147;automatic shelf registration statement&#148; under Rule 405. The Company
has not received from the Commission any notice pursuant to Rule 401(g)(2) of the 1933 Act Regulations objecting to the use of the automatic shelf registration statement form. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the earliest time that the Company or another offering participant made a bona fide offer (within the meaning of Rule 164(h)(2) of the 1933
Act Regulations) of the Securities, the Company was not nor is an &#147;ineligible issuer&#148; (as defined in Rule 405). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Registration Statement, Prospectus and Disclosure Package at Time of Sale</I>. The Registration Statement became
effective upon filing under Rule 462(e) on March&nbsp;24, 2020 and any post-effective amendment to the Registration Statement also become effective upon filing under Rule 462(e). No stop order suspending the effectiveness of the Registration
Statement has been issued under the 1933 Act and no proceedings for that purpose have been instituted or, to the knowledge of the Company, are pending or are contemplated by the Commission, and any request on the part of the Commission for
additional information has been complied with. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any offer that is a written communication relating to the Securities made by the Company
or any person acting on its behalf (within the meaning, for this subsection only, of Rule 163(c) of the 1933 Act Regulations) prior to the filing of the Registration Statement or any amendment thereto has been filed with the Commission in accordance
with the exemption provided by Rule 163 and otherwise complied with the requirements of Rule 163, including, without limitation, the legending requirement, to qualify such offer for the exemption from Section&nbsp;5(c) of the 1933 Act provided by
Rule 163. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the time the Registration Statement became effective, at each deemed effective date with respect to the Securities pursuant
to Rule 430B(f)(2) of the 1933 Act Regulations and at the Closing Time or on any Date of Delivery, the Registration Statement complied, complies and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
will comply in all material respects with the requirements of the 1933 Act and the 1933 Act Regulations and did not, does not and will not contain an untrue statement of a material fact or omit
to state a material fact required to be stated therein or necessary to make the statements therein not misleading. Neither the Prospectus nor any amendment or supplement thereto, when read together with the Prospectus, at the time the Prospectus or
any such amendment or supplement was issued or at the Closing Time or on any Date of Delivery, included or will include an untrue statement of a material fact or omitted or will omit to state a material fact necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading. Each preliminary prospectus and the Prospectus complied, when filed with the Commission, in all material respects with the 1933 Act and the 1933 Act Regulations,
and each preliminary prospectus and the Prospectus delivered to the Underwriters for use in connection with the offering of the Securities was identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR,
except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of the Applicable Time or any Date of
Delivery, any Issuer General Use Free Writing Prospectus (as defined below) and the Statutory Prospectus (as defined below), when considered together (collectively, as of the Applicable Time, the &#147;Disclosure Package&#148;), did not include any
untrue statement of a material fact or omit to state any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As used in this subsection and elsewhere in this Agreement: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Applicable Time&#148; means 3:00 p.m. (New York City time) on May&nbsp;1, 2020, or such other time as agreed by the Company and the
Representatives. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Statutory Prospectus&#148; as of any time means the applicable prospectus relating to the Securities that is,
immediately prior to that time, either included in the Registration Statement or deemed to be a part thereof, including any document incorporated therein by reference immediately prior to that time and any preliminary prospectus deemed to be a part
thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Issuer Free Writing Prospectus&#148; means any &#147;issuer free writing prospectus&#148; (as defined in clause (h)(1) of
Rule 433 of the 1933&nbsp;Act Regulations (&#147;Rule 433&#148;)) relating to the Securities that (i)&nbsp;is required to be filed with the Commission by the Company, (ii)&nbsp;is a &#147;road show that is a written communication&#148; within the
meaning of Rule 433(d)(8)(i), whether or not required to be filed with the Commission or (iii)&nbsp;is exempt from filing pursuant to Rule 433(d)(5)(i) because it contains a description of the Securities or of the&nbsp;offering that does not reflect
the final terms, in each case in the form filed or required to be filed with the Commission or, if not required to be filed, in the form retained in the records of the Company pursuant to Rule&nbsp;433(g). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Issuer General Use Free Writing Prospectus&#148; means any Issuer Free Writing Prospectus that is intended for general distribution to
prospective investors (other than a &#147;bona fide electronic road show,&#148; as defined in Rule 433), as evidenced by its being specified in Schedule II hereto. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any Issuer Free Writing Prospectus, as of its issue date and at all subsequent times through
the completion of the offer and sale of the Securities or until any earlier date that the Company notified or notifies the Representatives in writing, did not, does not and will not include any information that conflicted, conflicts or will conflict
with the information contained in the Registration Statement or the Prospectus, including any document incorporated therein by reference and any preliminary or other prospectus deemed to be a part thereof that has not been superseded or modified.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The representations and warranties in this subsection shall not apply to statements in or omissions from the Registration Statement or
the Prospectus made in reliance upon and in conformity with any Underwriter&#146;s Information (as defined in Section&nbsp;6(a)(iii) below). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Incorporated Documents</I>. The documents incorporated or deemed to be incorporated by reference in the
preliminary prospectus or the Prospectus, when read together with the other information in the preliminary prospectus or the Prospectus, at the time the Registration Statement became effective or such documents were filed with the Commission, as the
case may be, did not, and at the earlier of the time the Prospectus was first used and the first &#147;time of sale,&#148; within the meaning of Rule 159 under the 1933 Act Regulations, of Securities in this offering and at the Closing Time or on
any Date of Delivery will not, include an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. The
documents incorporated or deemed to be incorporated by reference in the Prospectus, when filed with the Commission, conformed or will conform, as the case may be, in all material respects to the applicable requirements of the 1934 Act and the 1934
Act Regulations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Independent Accountants</I>. KPMG LLP, the accounting firm who certified the financial
statements and supporting schedules of the Company included in the Registration Statement and the Prospectus, is an independent registered public accounting firm as required by the 1933 Act and the 1933 Act Regulations and the rules of the Public
Company Accounting Oversight Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Financial Statements</I>. The consolidated historical financial
statements, together with the related schedules and notes, included in the preliminary prospectus, the Prospectus, the Disclosure Package and the Registration Statement present fairly, in all material respects, the financial position of the Company
and its consolidated subsidiaries at the dates indicated, and the statements of financial condition, income, changes in stockholders&#146; equity and cash flows of the Company and its consolidated subsidiaries for the periods specified. Said
financial statements have been prepared in conformity with generally accepted accounting principles in the United States (&#147;GAAP&#148;) applied on a consistent basis throughout the periods involved. The supporting schedules, if any, included
therein present fairly, in all material respects, in accordance with GAAP the information required to be stated therein. The summary financial data included therein present fairly, in all material respects, the information shown therein and have
been compiled on a basis consistent with that of the audited financial statements included in the Prospectus, the Disclosure Package and the Registration Statement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Interactive Data</I>. The interactive data in eXtensible
Business Reporting Language included or incorporated by reference in the Registration Statement fairly presents the information called for in all material respects and has been prepared in accordance with the requirements of the 1933 Act and the
Commission&#146;s rules and guidelines applicable thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Material Adverse Change in Business</I>.
Since the respective dates as of which information is given in the Prospectus, the Disclosure Package and the Registration Statement, except as otherwise stated therein, (1)&nbsp;neither the Company nor any of its subsidiaries has incurred any
losses or interference with its business from fire, explosion, flood, earthquakes, accident or other calamity, whether or not covered by insurance, or from any strike, labor dispute or court or governmental action, order or decree that are material,
individually or in the aggregate, to the Company and the subsidiaries, taken as a whole, (2)&nbsp;there has been no material adverse change, or any development which could reasonably be expected to have a material adverse change, in the condition,
financial or otherwise, or in the earnings, properties, business affairs or business prospects of the Company and its subsidiaries, considered as one enterprise, whether or not arising in the ordinary course of business (a &#147;Material Adverse
Effect&#148;), (3) neither the Company nor any of its subsidiaries has entered any transaction, other than in the ordinary course of business, that is material to the Company and its subsidiaries, considered as one enterprise, (4)&nbsp;there has not
been any material change in the capital stock of the Company or any of its Significant Subsidiaries (as defined below) (other than issuances or other transfers of capital stock in the ordinary course of business pursuant to the Company&#146;s
employee benefit plans, the Company&#146;s dividend reinvestment plan and employee stock purchase plan or repurchases of common stock by the Company pursuant to a share repurchase program disclosed in the Prospectus) or any material increase in the
long term indebtedness of the Company or its Significant Subsidiaries, and (5)&nbsp;the Company has not declared, paid or made any dividend or distribution of any kind on any class of its capital stock (each of clauses (1), (2), (3), (4) and (5), a
&#147;Material Adverse Change&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Regulatory Enforcement Matters</I>. Except as disclosed in the
Registration Statement, the Prospectus and the Disclosure Package, neither the Company nor any of its subsidiaries is subject or is party to, or has received any written notice that any of them may or will become subject or party to any
investigation with respect to, any <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cease-and-desist</FONT></FONT> order, written agreement, consent agreement, memorandum of understanding or other regulatory enforcement action,
proceeding or order with or by, or is a party to any commitment letter or similar undertaking to, or is subject to any directive by, or has been a recipient of any supervisory letter from, or has adopted any board resolutions at the request of, any
Regulatory Agency (as defined below) that in any material respect (considered on a consolidated basis) currently relates to or restricts the conduct of their business or that in any manner relates to their capital adequacy, their credit policies, or
their management (each, a &#147;Regulatory Agreement&#148;), nor has the Company or any of its subsidiaries been advised in writing by any Regulatory Agency that it is considering issuing or requesting any such Regulatory Agreement, where any such
Regulatory Agreement could reasonably be expected to have a Material Adverse Effect. Except as disclosed in the Registration Statement, the Prospectus and the Disclosure Package, there is no unresolved violation, criticism or exception by any
Regulatory Agency with respect to any report or statement relating to any examination of the Company or any of its subsidiaries which, in the reasonable judgment of the Company, is expected to result in a Material Adverse Effect or is expected to
prevent or materially delay the transactions contemplated by this </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Agreement. As used herein, the term &#147;Regulatory Agency&#148; means any federal or state agency charged with the supervision or regulation of depository institutions, or holding companies of
depository institutions, or engaged in the insurance of depository institution deposits, or engaged in the regulation and enforcement of consumer financial services, or any court, administrative agency or commission or other federal or state
governmental agency, authority or instrumentality having supervisory or regulatory authority with respect to the Company or any of its subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>Good Standing of the Company</I>. The Company has been duly organized and is validly existing as a corporation
in good standing under the laws of the State of Delaware and has corporate power and authority to own, lease and operate its properties and to conduct its business as described in the Registration Statement, the Prospectus and the Disclosure
Package, to enter into and perform its obligations under each of the Operative Documents to which it is a party, and to issue the Securities, and is duly qualified as a foreign corporation to transact business and is in good standing in each other
jurisdiction in which such qualification or license is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so qualify or be in good standing would not result in a Material
Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>Financial Holding Company</I>. The Company is duly registered as a bank holding company
under the Bank Holding Company Act of 1956, as amended (the &#147;BHC Act&#148;), does not (directly or indirectly) own or control the stock or voting securities of any depository institution other than the Bank Subsidiary (as defined below), and
its direct and indirect activities and investments are authorized for a bank holding company and its subsidiaries pursuant to the BHC Act. The Company is &#147;well capitalized&#148; as that term is defined at 12 CFR part 225. The Company is a
&#147;financial holding company&#148; as such term is defined in 12 C.F.R. &#167; 225.81. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>Subsidiaries</I>.
Each &#147;significant subsidiary&#148; of the Company (as such term is defined in Rule <FONT STYLE="white-space:nowrap">1-02</FONT> of Regulation <FONT STYLE="white-space:nowrap">S-X)</FONT> (each, a &#147;Significant Subsidiary&#148; and,
collectively, the &#147;Significant Subsidiaries&#148;) has been duly organized and is validly existing and in good standing under the laws of the jurisdiction of its incorporation or organization, has corporate or similar power and authority to
own, lease and operate its properties and to conduct its business as described in the Registration Statement, the Prospectus and the Disclosure Package and is duly qualified and licensed to transact business and is in good standing in each foreign
jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so qualify or to be in good standing would not result in a Material Adverse
Effect. The only Significant Subsidiary of the Company is OceanFirst Bank, N.A. (the &#147;Bank Subsidiary&#148;). The Bank Subsidiary is a national banking association formed under the laws of the United States and is duly chartered and authorized
thereunder to transact in the business of banking. The Bank Subsidiary is a member in good standing of its applicable Federal Home Loan Bank. The deposit accounts of the Bank Subsidiary are insured up to the applicable limit by the Federal Deposit
Insurance Corporation (the &#147;FDIC&#148;) through the Deposit Insurance Fund, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the revocation or termination of such insurance
is pending or, to the knowledge of the Company, threatened. The Bank Subsidiary is &#147;well capitalized&#148; as that term is defined at 12 CFR part 6. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Capital Stock Duly Authorized and Validly Issued</I>. All of
the issued and outstanding shares of capital stock of the Company have been duly authorized and validly issued and are fully paid and nonassessable. All of the issued and outstanding shares of capital stock of the Bank Subsidiary have been duly
authorized and validly issued, are fully paid and nonassessable and are owned by the Company, directly or through one or more other subsidiaries, free and clear of any security interest, mortgage, pledge, lien, encumbrance, claim or equitable right.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Capitalization</I>. The authorized, issued and outstanding capital stock and consolidated long term debt
(i.e., a maturity greater than one year) of the Company as of December&nbsp;31, 2019 is as set forth in the Prospectus under &#147;Capitalization.&#148; There have not been any subsequent issuances of capital stock of the Company since such date
(except (1)&nbsp;the issuance of common stock in connection with the acquisitions of Two River Bancorp and Country Bank Holding Company, Inc., (2) issuances of common stock pursuant to exercises of employee stock options and pursuant to the
Company&#146;s dividend reinvestment plan and employee stock purchase plan) and (3)&nbsp;the issuance of $125&nbsp;million aggregate principal amount of the Company&#146;s 5.25%
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate Subordinated Notes due 2030. There have not been any additional long term borrowings by the Company or its consolidated subsidiaries since such
date, except, with respect to the Bank Subsidiary, pursuant to Federal Home Loan Bank advances or securities sold under agreements to repurchase by the Bank Subsidiary in its ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>Authorization of Agreement</I>. This Agreement has been duly authorized, executed and delivered by the Company.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Authorization and Description of the Securities</I>. The Securities have been fully authorized according to
the following terms: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The Preferred Stock has been duly authorized for issuance and sale to the Underwriters
pursuant to this Agreement by the Company and, at the Closing Time, will have been duly executed by the Company and, when issued, delivered and paid for in accordance with the Operative Agreements, will be validly issued, fully paid and
nonassessable, free and clear of any security interest, mortgage, pledge, lien, encumbrance, claim or equity, and will not have been issued in violation of or subject to any preemptive or similar right; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;The Depositary Shares have been duly authorized and, when issued and delivered against payment therefor in the
form of Depositary Receipts in accordance with the Operative Agreements, and upon deposit of the Preferred Stock in accordance with the Deposit Agreement, will be validly issued and will entitle the holders of the Depositary Shares to the right
specified in the Deposit Agreement and the Depositary Receipts. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Closing Time, the Certificate
of Designation for the Preferred Stock (the &#147;Certificate of Designation&#148;) will have been duly filed with the Secretary of State of the State of Delaware. The Preferred Stock shall comply with the requirements of the General Corporation Law
of the State of Delaware, the Company&#146;s Certificate of Incorporation, as supplemented by the Certificate of Designation and the Company&#146;s Amended and Restated Bylaws. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I>Authorization and Description of Deposit Agreement</I>. The
Deposit Agreement has been duly authorized, executed and delivered by the Company and when duly executed by the Depositary, will constitute the valid and legally binding agreement of the Company, enforceable in accordance with its terms, except to
the extent that enforceability may be limited by (1)&nbsp;bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance or other similar laws now or hereafter in effect relating to creditors&#146; rights generally and (2)&nbsp;general
principles of equity (regardless of whether enforceability is considered in a proceeding at law or in equity) (collectively, the &#147;Enforceability Exceptions&#148;). The Deposit Agreement conforms in all material respects to all statements
relating thereto contained in the Registration Statement, the Disclosure Package and the Prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The deposit of the Preferred Stock
in respect of the Depositary Shares by the Company in accordance with the Deposit Agreement has been duly authorized and, assuming the Deposit Agreement constitutes the valid and legally binding obligation of the Depositary, upon due issuance by the
Depositary of the Depositary Receipts evidencing the Depositary Shares against the deposit of Preferred Stock in accordance with the provisions of the Deposit Agreement and payment therefor in accordance with this Agreement, the Depositary Receipts
will be duly and validly issued and will entitle the persons in whose names the Depositary Receipts are registered to the rights specified therein and in the Deposit Agreement, subject to the Enforceability Exceptions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;<I>Not an Investment Company</I>. The Company is not, and immediately following consummation of the transactions
contemplated hereby and the application of the net proceeds as described in the Registration Statement, the Prospectus and the Disclosure Package, the Company will not be, an &#147;investment company&#148; or an entity controlled by an
&#147;investment company,&#148; in each case within the meaning of Section&nbsp;3(a) of the Investment Company Act of 1940, as amended (the &#147;1940 Act&#148;), without regard to Section&nbsp;3(c) of the 1940 Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;<I>Descriptions of Securities</I>. The Securities will conform, in all material respects, to all statements
relating thereto contained in the Registration Statement, the Prospectus and the Disclosure Package. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;<I>Absence of Defaults and Conflicts</I>. Neither the Company nor any of its subsidiaries is (1)&nbsp;in violation
of its charter, bylaws or other organizational document, (2)&nbsp;in default in the performance or observance of any obligation, agreement, covenant or condition contained in any contract, indenture, mortgage, deed of trust, loan or credit
agreement, note, lease or other agreement or instrument to which it is a party or by which it or any of them may be bound or to which any of its assets is subject (collectively, &#147;Agreements and Instruments&#148;), except for such defaults that
would not, individually or in the aggregate, result in a Material Adverse Effect, or (3)&nbsp;except as disclosed in the Registration Statement, the Prospectus and the Disclosure Package, in violation of any U.S. or
<FONT STYLE="white-space:nowrap">non-U.S.</FONT> federal, state or local statute, law (including, without limitation, common law) or ordinance, or any judgment, decree, rule, regulation, order or injunction of any U.S. or <FONT
STYLE="white-space:nowrap">non-U.S.</FONT> federal, state, local or other governmental or regulatory authority, governmental or regulatory agency or body, court, arbitrator or self-regulatory organization applicable to the Company or its Bank
Subsidiary or any of their respective properties, assets or operations (each, a &#147;Governmental Entity&#148;), except for any such default or violation that would not, individually or in the aggregate, have a Material Adverse
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Effect. The execution, delivery and performance of the Operative Documents and the Securities by the Company, the issuance, sale and delivery of the Securities, the consummation of the
transactions contemplated by the Operative Documents and the Securities (including the use of the proceeds from the sale of the Securities), and compliance by the Company with the terms of the Operative Documents and the Securities have been duly
authorized by all necessary corporate action on the part of the Company, and do not and will not, whether with or without the giving of notice or passage of time or both, (1)&nbsp;violate, conflict with or constitute a breach of, or default or
Repayment Event (as defined below) under, or result in the creation or imposition of any, security interest, mortgage, pledge, lien, charge, encumbrance, claim or equitable right upon any assets of the Company or its Bank Subsidiary pursuant to, any
of the Agreements and Instruments, (2)&nbsp;result in any violation of any provision of the charter, bylaws or other organizational document of the Company or its Bank Subsidiary or (3)&nbsp;result in any violation by the Company or its Bank
Subsidiary of any applicable law, statute, rule, regulation, judgment, order, writ or decree of any Governmental Entity, except in the case of clauses (1)&nbsp;and (3), as would not, individually or in the aggregate, result in a Material Adverse
Effect. As used herein, a &#147;Repayment Event&#148; means any event or condition that gives, or with the giving of notice or lapse of time would give, the holder of any note, debenture or other evidence of indebtedness (or any person acting on
such holder&#146;s behalf) the right to require the repurchase, redemption or repayment of all or a portion of such indebtedness by the Company or any of its subsidiaries or any of their respective properties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t)&nbsp;&nbsp;&nbsp;&nbsp;<I>Absence of Labor Dispute</I>. No labor dispute with the employees of the Company or the Bank Subsidiary exists
or, to the knowledge of the senior management of the Company, is contemplated or threatened, which would reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance With ERISA</I>. Each of the Company, its subsidiaries and each ERISA Affiliate (as hereinafter
defined) has fulfilled its obligations, if any, under the minimum funding standards of Section&nbsp;302 of the United States Employee Retirement Income Security Act of 1974, as amended (&#147;ERISA&#148;) with respect to each &#147;pension
plan&#148; (as defined in Section&nbsp;3(2) of ERISA), subject to Section&nbsp;302 of ERISA, which the Company, its subsidiaries or any ERISA Affiliate sponsors or maintains, or with respect to which it has (or within the last three years had) any
obligation to make contributions, and each such plan is in compliance in all respects with the presently applicable provisions of ERISA and the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;), except where such failure to fulfil its
obligations or such <FONT STYLE="white-space:nowrap">non-compliance</FONT> would not result in a Material Adverse Effect. None of the Company, its subsidiaries or any ERISA Affiliate has incurred any unpaid liability to the Pension Benefit Guaranty
Corporation (other than for the payment of premiums in the ordinary course) or to any such plan under Title IV of ERISA, except where such unpaid liability would not result in a Material Adverse Effect. No prohibited transaction, within the meaning
of Section&nbsp;406 of ERISA or Section&nbsp;4975 of the Code, has occurred with respect to any such plan, excluding transactions effected pursuant to a statutory or administrative exemption, that could reasonably be expected to result in a material
liability to the Company and its subsidiaries taken as a whole. &#147;ERISA Affiliate&#148; means a corporation, trade or business that is, along with the Company or any subsidiary, a member of a controlled group of corporations or a controlled
group of trades or businesses, as described in Section&nbsp;414 of the Code or Section&nbsp;4001 of ERISA. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;<I>Absence of Proceedings</I>. Except as disclosed in the
Registration Statement, the Prospectus and the Disclosure Package, there is no action, suit, proceeding, inquiry or investigation before or brought by any Governmental Entity, now pending, or, to the knowledge of the Company, threatened against or
affecting the Company or any of its subsidiaries, which (1)&nbsp;is required to be disclosed in the Registration Statement or the Prospectus; (2)&nbsp;would reasonably be expected to have a Material Adverse Effect or (3)&nbsp;would reasonably be
expected to materially and adversely affect the consummation of the transactions contemplated by this Agreement, the other Operative Documents or the Securities or the performance by the Company of its obligations hereunder or thereunder. Except as
described in the Registration Statement, the Prospectus and the Disclosure Package, there are no legal or governmental proceedings to which the Company or any of its subsidiaries is a party or of which any of their respective assets is the subject,
including ordinary routine litigation incidental to the business, which would, in the aggregate, reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(w)&nbsp;&nbsp;&nbsp;&nbsp;<I>Absence of Further Requirements</I>. No filing with, or authorization, approval, consent, license, order,
registration, qualification or decree of, any Governmental Entity, other than those that have been made or obtained, is necessary or required for the authority, execution, delivery or performance by the Company of its obligations under the Operative
Documents or the Securities, or the consummation by the Company of the transactions contemplated thereunder, except for (a)&nbsp;the filing of the Certificate of Designation with the Secretary of State of the State of Delaware prior to the Closing
Time, (b)&nbsp;a Form <FONT STYLE="white-space:nowrap">8-A</FONT> registering the Depositary Shares or (c)&nbsp;as may otherwise be required under the 1933 Act, state securities laws, the rules of the Nasdaq Global Select Market (&#147;Nasdaq&#148;)
or the rules and regulations of the Financial Industry Regulatory Authority, Inc. (&#147;FINRA&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;<I>Possession of Licenses and Permits</I>. The Company and its subsidiaries possess such permits, licenses,
approvals, consents and other authorizations (collectively, &#147;Governmental Licenses&#148;) issued by the appropriate Governmental Entities that are necessary to conduct their respective businesses as described in the Registration Statement, the
Prospectus and the Disclosure Package, and have made all declarations and filings with the appropriate Governmental Entities that are necessary for the conduct of their respective businesses as described in the Registration Statement, the Prospectus
and the Disclosure Package, except where the failure to possess such Governmental Licenses or make such declarations or filings would not, individually or in the aggregate, have a Material Adverse Effect. The Company and its subsidiaries are in
compliance with the terms and conditions of all such Governmental Licenses, except where the failure so to comply would not, individually or in the aggregate, have a Material Adverse Effect. All of the Governmental Licenses are valid and in full
force and effect, except when the invalidity of such Governmental Licenses or the failure of such Governmental Licenses to be in full force and effect would not, individually or in the aggregate, have a Material Adverse Effect. None of the Company
or any of its subsidiaries has received any notice of proceedings relating to the revocation or modification of any such Governmental Licenses which, individually or in the aggregate, is reasonably expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(y)&nbsp;&nbsp;&nbsp;&nbsp;<I>Conduct of Business</I>. Except as otherwise disclosed in the Registration Statement, the Prospectus and the
Disclosure Package, each of the Company and the Bank Subsidiary is conducting its business in compliance with all laws, rules, regulations, decisions, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
directives and orders, and all regulations and orders of, or agreements with, Governmental Entities applicable to it, except where failure to so comply would not, individually or in the
aggregate, have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(z)&nbsp;&nbsp;&nbsp;&nbsp;<I>Environmental Matters</I>. Each of the Company and its
subsidiaries are in compliance with all applicable federal, state and local laws, rules and regulations, and decisions and orders relating to the protection of human health and safety, the environment or hazardous or toxic substances or wastes,
pollutants or contaminants, including, without limitation, those applicable to emissions to the environment, waste management and waste disposal (collectively, the &#147;Environmental Laws&#148;), except where such noncompliance would not,
individually or in the aggregate, have a Material Adverse Effect, and, to the knowledge of the Company, there are no circumstances that would prevent, interfere with or materially increase the cost of such compliance in the future. There is no claim
under any Environmental Law, including common law, pending or, to the knowledge of the Company, threatened against the Company or any of its subsidiaries (an &#147;Environmental Claim&#148;), which would have a Material Adverse Effect, and, to the
knowledge of the Company, under applicable law, there are no past or present actions, activities, circumstances, events or incidents, including without limitation, releases of any material into the environment, that are reasonably likely to form the
basis of any Environmental Claim against the Company or the Bank Subsidiary which would, individually or in the aggregate, have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(aa)&nbsp;&nbsp;&nbsp;&nbsp;<I>Title to Property</I>. Each of the Company and its subsidiaries has good and marketable title in fee simple to
all of its real and personal properties, reflected as owned in the consolidated financial statements or as described in the Prospectus, in each case free and clear of all liens, encumbrances, claims and defects, except as (1)&nbsp;reflected in such
consolidated financial statements, (2)&nbsp;do not materially interfere with the use made and proposed to be made of such property by the Company or such subsidiary or (3)&nbsp;which would not, individually or in the aggregate, have a Material
Adverse Effect. All of the leases and subleases under which the Company or any of its subsidiaries holds properties used in its business are in full force and effect, except where the failure of such leases and subleases to be in full force and
effect would not, individually or in the aggregate, have a Material Adverse Effect. None of the Company or any of its subsidiaries has any notice of any claim of any sort that has been asserted by anyone adverse to the rights of the Company or any
of its subsidiaries under any of the leases or subleases mentioned above, or affecting or questioning the rights of such entity to the continued possession of the leased or subleased premises under any such lease or sublease, except any claim that
would not, individually or in the aggregate, have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(bb)&nbsp;&nbsp;&nbsp;&nbsp;<I>Intellectual Property</I>.
Each of the Company and its subsidiaries owns or possesses all necessary and adequate patents, patent rights, licenses, inventions, copyrights, <FONT STYLE="white-space:nowrap">know-how</FONT> (including trade secrets and other unpatented and/or
unpatentable proprietary or confidential information, systems or procedures), trademarks, service marks, trade names or other intellectual property (collectively, &#147;Intellectual Property&#148;) presently employed by it in connection with the
business now operated by it or reasonably necessary in order to conduct such business, and none of the Company or any of its subsidiaries has received any notice or is otherwise aware of any infringement of or conflict with asserted rights of others
with respect to any Intellectual Property or any facts or circumstances which would render any Intellectual Property invalid or inadequate to protect the interest of the Company or any of its subsidiaries
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
therein, except where the failure to possess such Intellectual Property or where such infringement or conflict (if the subject of any unfavorable decision, ruling or finding) or invalidity or
inadequacy, individually or in the aggregate, would not have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(cc)&nbsp;&nbsp;&nbsp;&nbsp;<I>Taxes</I>. The
Company and each Significant Subsidiary has: (1)&nbsp;timely (after taking account of any governmental orders extending the time for filing) filed all tax returns, information returns, and similar reports that are required to be filed and all such
returns are true, correct and complete, and (2)&nbsp;timely paid in full all federal, state, local and foreign taxes required to be paid by it and any other assessment, fine or penalty levied against it, except to the extent any such tax,
assessment, fine or penalty that is currently being contested in good faith and for which adequate reserves have been made under GAAP, except where the failure to timely file such tax returns or to timely pay such tax, assessment, fine or penalty
would not, individually or in the aggregate, result in a Material Adverse Effect. Giving effect to any applicable extensions and except as otherwise disclosed in the Registration Statement, the Prospectus and the Disclosure Package, there is no
material tax deficiency that has been, or could reasonably be expected to be, asserted against the Company or the Bank Subsidiary or any of their respective assets. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(dd)&nbsp;&nbsp;&nbsp;&nbsp;<I>Insurance</I>. The Company and the Bank Subsidiary have insurance covering their respective assets, operations,
personnel and businesses, including business interruption insurance, which insurance is in such amounts and insures against such losses and risks as are adequate to protect the Company and the Bank Subsidiary and their respective assets, operations,
personnel and businesses; and neither the Company nor the Bank Subsidiary has (i)&nbsp;received notice from any insurer or agent of such insurer that capital improvements or other expenditures are required or necessary to be made in order to
continue such insurance or (ii)&nbsp;any reason to believe that it will not be able to renew its existing insurance coverage as and when such coverage expires or to obtain similar coverage at reasonable cost from similar insurers as may be necessary
to continue its business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ee)&nbsp;&nbsp;&nbsp;&nbsp;<I>Payment of Dividends</I>. No subsidiary of the Company is currently prohibited,
directly or indirectly, from paying any dividends to the Company, from making any other distribution on such subsidiary&#146;s capital stock, from transferring any of its property or assets to the Company or any other subsidiary of the Company, or
from repaying to the Company any loans or advances to such subsidiary from the Company, except as disclosed in the Registration Statement, the Prospectus and the Disclosure Package. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ff)&nbsp;&nbsp;&nbsp;&nbsp;<I>Sarbanes-Oxley Act</I>. The Company and its directors and officers, in their capacities as such, are in
compliance in all material respects with all applicable provisions of the Sarbanes-Oxley Act of 2002 and all rules and regulations promulgated thereunder or implementing the provisions thereof with which the Company or any of its directors or
officers is required to comply. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(gg)&nbsp;&nbsp;&nbsp;&nbsp;<I>Accounting Controls</I>. The Company and its subsidiaries, taken as a
whole, maintains a system of internal accounting controls sufficient to provide reasonable assurance that: (1)&nbsp;transactions are executed in accordance with management&#146;s general or specific authorizations; (2)&nbsp;transactions are recorded
as necessary to permit preparation of financial statements in conformity with GAAP and to maintain asset accountability; (3)&nbsp;access to assets is </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
permitted only in accordance with management&#146;s general or specific authorization; (4)&nbsp;the recorded accountability for assets is compared with the existing assets at reasonable intervals
and appropriate action is taken with respect to any differences; and (5)&nbsp;the interactive data in eXtensible Business Reporting Language included or incorporated by reference in the Registration Statement fairly presents the information called
for in all material respects and is prepared in accordance with the requirements of the 1933 Act and the Commission&#146;s rules and guidance applicable thereto. The Company&#146;s internal control over financial reporting is effective in all
material respects, and since the date of the latest audited financial statements included in the Registration Statement, the Prospectus and the Disclosure Package, (x)&nbsp;the Company is not aware of any material weaknesses in its internal
controls, and (y)&nbsp;there has been no change in the Company&#146;s internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, the Company&#146;s internal control over financial reporting.
The Company maintains disclosure controls and procedures (as such term is defined in Rule <FONT STYLE="white-space:nowrap">13a-15(e)</FONT> of the 1934 Act Regulations); and such disclosure controls and procedures have been designed to ensure that
material information relating to the Company and its subsidiaries is made known to the Company&#146;s principal executive officer and principal financial officer by others within those entities; and such disclosure controls and procedures are
effective. The Company has not become aware of any fraud, whether or not material, that involves management or other employees who have a significant role in the Company&#146;s internal control over financial reporting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(hh)&nbsp;&nbsp;&nbsp;&nbsp;<I>Foreign Corrupt Practices Act</I>. None of the Company or its subsidiaries or, to the knowledge of the Company,
any director, officer, employee or any agent or other person acting on behalf of the Company or any of its subsidiaries has, in the course of its actions for, or on behalf of, the Company or any of its subsidiaries (1)&nbsp;used any corporate funds
for any unlawful contribution, gift, entertainment or other unlawful expenses relating to political activity in violation of the U.S. Foreign Corrupt Practices Act of 1977, as amended, and the rules and regulations thereunder (collectively, the
&#147;FCPA&#148;); (2) made any direct or indirect unlawful payment to any domestic government official, &#147;foreign official&#148; (as defined in the FCPA) or employee from corporate funds; (3)&nbsp;violated or is in violation of any provision of
the FCPA or any applicable <FONT STYLE="white-space:nowrap">non-U.S.</FONT> anti-bribery statute or regulation; or (4)&nbsp;made any unlawful bribe, rebate, payoff, influence payment, kickback or other unlawful payment to any domestic government
official, such foreign official or employee. The Company has instituted and maintains procedures designed to ensure, and which are reasonably expected to continue to ensure, continued compliance with the FCPA and similar laws, rules and regulations
based on the business of the Company as conducted on the date hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance with Money Laundering
Laws</I>. Except as otherwise disclosed in the Registration Statement, the Prospectus and the Disclosure Package, the operations of the Company and its subsidiaries are and, to the knowledge of the Company and its subsidiaries, have been conducted
at all times in compliance in all material respects with applicable financial recordkeeping and reporting requirements of the Currency and Foreign Transactions Reporting Act of 1970, as amended, the money laundering statutes of all applicable
jurisdictions, the rules and regulations thereunder and any related or similar rules, regulations or guidelines issued, administered or enforced by any governmental agency (collectively, the &#147;Money Laundering Laws&#148;), and no action, suit or
proceeding by or before any court or governmental agency, authority or body or any arbitrator involving the Company or its subsidiaries with respect to the Money Laundering Laws is pending or, to the knowledge of the Company or its subsidiaries,
threatened. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(jj)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance with OFAC</I>. Neither the Company nor any of its
subsidiaries nor, to the Company&#146;s knowledge, any director, officer, agent, employee or other person acting on behalf of the Company or its subsidiaries is currently subject to any U.S. sanctions administered by the Office of Foreign Assets
Control of the U.S. Treasury Department (&#147;OFAC&#148;); and the Company will not directly or indirectly use the proceeds from the sale of the Securities pursuant to this Agreement, or lend, contribute or otherwise make available such proceeds to
any subsidiary, joint venture partner or other person or entity, for the purpose of financing the activities of or business with any person, or in any country or territory, that currently is the subject to any U.S. sanctions administered by OFAC.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(kk)&nbsp;&nbsp;&nbsp;&nbsp;<I>IT Systems</I>. The Company and its subsidiaries&#146; information technology assets and equipment,
computers, systems, networks, hardware, software, websites, applications, and databases (collectively, &#147;IT Systems&#148;) are adequate for, and operate and perform as required in connection with the operation of the business of the Company and
its subsidiaries as currently conducted, and free and clear of all bugs, errors, defects, Trojan horses, time bombs, malware and other corruptants, except where failure in the adequacy, operation or performance of such IT Systems would not,
individually or in the aggregate, result in a Material Adverse Effect. The Company and its subsidiaries have implemented and maintained commercially reasonable controls, policies, procedures, and safeguards designed to maintain and protect their
confidential information and the integrity, continuous operation, redundancy and security of all IT Systems and data (including all personal, personally identifiable, sensitive, confidential or regulated data (&#147;Personal Data&#148;)) used in
connection with their businesses reasonably consistent with industry standards and practices, and, to the knowledge of the Company, there have been no breaches, violations, outages or unauthorized uses of or accesses to same, nor any incidents under
internal review or investigations relating to the same, except where failure to implement or maintain such controls, policies, procedures and safeguards or the occurrence of breaches, violations, outages or unauthorized uses or access would not,
individually or in the aggregate, result in a Material Adverse Effect. The Company and its subsidiaries are presently in compliance with all applicable laws or statutes and all applicable judgments, orders, rules and regulations of any court or
arbitrator or governmental or regulatory authority, internal policies and contractual obligations relating to the privacy and security of IT Systems and Personal Data and to the protection of such IT Systems and Personal Data from unauthorized use,
access, misappropriation or modification, except where failure in compliance would not, individually or in the aggregate, result in a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ll)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Brokers</I>. Other than the Underwriters, there is no broker, finder or other party that is entitled to
receive from the Company or any subsidiary any brokerage or finder&#146;s fee or other fee or commission as a result of any transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(mm)&nbsp;&nbsp;&nbsp;&nbsp;<I>Stabilization</I>. Neither the Company nor any of its subsidiaries has taken or will take, directly or
indirectly, any action designed to, or that might be reasonably expected to, cause or result in stabilization or manipulation of the price of the Securities. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(nn)&nbsp;&nbsp;&nbsp;&nbsp;<I>Pending Proceedings and Examinations</I>. The Registration
Statement is not the subject of a pending proceeding or examination under Section&nbsp;8(d) or 8(e) of the 1933 Act, and the Company is not the subject of a pending proceeding under Section&nbsp;8A of the 1933 Act in connection with the offering of
the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(oo)&nbsp;&nbsp;&nbsp;&nbsp;<I>Statistical and Market Data</I>. Nothing has come to the attention of the Company that has
caused the Company to believe that the statistical and market-related data included in the Registration Statement, the Prospectus or the Disclosure Package is not based on or derived from sources that are reliable or is not accurate in all material
respects. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(pp)&nbsp;&nbsp;&nbsp;&nbsp;<I>Forward-Looking Statements</I>. No forward-looking statement (within the meaning of
Section&nbsp;27A of the 1933 Act and Section&nbsp;21E of the 1934 Act) contained in the Registration Statement, the Prospectus or the Disclosure Package has been made or reaffirmed without a reasonable basis or has been disclosed other than in good
faith. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(qq)&nbsp;&nbsp;&nbsp;&nbsp;<I>Derivative Securities</I>. Any and all material swaps, caps, floors, futures, forward contracts,
option agreements (other than employee stock options) and other derivative financial instruments, contracts or arrangements, whether entered into for the account of the Company or one of its subsidiaries or for the account of a customer of the
Company or one of its subsidiaries, were entered into in the ordinary course of business and in accordance with applicable laws, rules, regulations and policies of all applicable regulatory agencies and with counterparties believed to be financially
responsible at the time. The Company and each of its subsidiaries have duly performed in all material respects all of their obligations thereunder to the extent that such obligations to perform have accrued. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any certificate signed by any duly authorized officer of the Company or any of its subsidiaries and delivered to the Representatives or to
counsel for the Underwriters shall be deemed a representation and warranty by the Company or applicable subsidiary, as the case may be, to the Representatives as to the matters covered thereby. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale and Delivery to Underwriters; Closing</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Initial Depositary Shares.</I> Upon the terms herein set forth, the Company agrees to issue and sell to each
Underwriter, severally and not jointly, and each Underwriter, severally and not jointly, agrees to purchase from the Company, at the price per share set forth in Schedule I, the number of Initial Depositary Shares set forth in Schedule I opposite
the name of such Underwriter, plus any additional number of Initial Depositary Shares which such Underwriter may become obligated to purchase pursuant to the provisions of Section&nbsp;10 hereof, subject, in each case, to such adjustments among the
Underwriters as the Representatives in their sole discretion shall make to eliminate any sales or purchases of fractional shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Option Depositary Shares. </I>In addition, upon the terms herein set forth, the Company grants an option to the
Underwriters, severally and not jointly, to purchase up to an additional 330,000 Option Depositary Shares at the price per share set forth in Schedule I. The option hereby granted may be exercised for 30 days after the date hereof and may be
exercised in whole or in part at any time from time to time upon notice by the Representatives to the Company setting forth the number of Option Depositary Shares as to which the several </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Underwriters are then exercising the option and the time and date of payment and delivery for such Option Depositary Shares. Any such time and date of delivery (a &#147;Date of Delivery&#148;)
shall be determined by the Representatives, but shall not be earlier than two (2)&nbsp;full business days or later than seven (7)&nbsp;full business days after the exercise of said option, nor in any event prior to the Closing Time. If the option is
exercised as to all or any portion of the Option Depositary Shares, each of the Underwriters, acting severally and not jointly, will purchase that proportion of the total number of Option Depositary Shares then being purchased which the number of
Initial Depositary Shares set forth in Schedule I opposite the name of such Underwriter bears to the total number of Initial Depositary Shares, subject, in each case, to such adjustments as the Representatives in their sole discretion shall make to
eliminate any sales or purchases of fractional shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Closing Time</I>. Delivery of the Securities shall
be made at the offices of Covington&nbsp;&amp; Burling LLP, The New York Times Building, 620 Eighth Avenue, 42nd Floor, New York, New York 1001, or such other place as may be agreed to by the Representatives and the Company, and payment of the
purchase price for the Securities shall be made by the Representatives to the Company by wire transfer of immediately available funds contemporaneous with closing at such place as shall be agreed upon by the Representatives and the Company, no later
than 10:00 a.m. (New York City time) on May&nbsp;7, 2020 or such other time not later than ten (10)&nbsp;business days after such date as shall be agreed upon by the Representatives and the Company (such time and date of payment and delivery being
herein called the &#147;Closing Time&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Option Depositary Shares</I>. In addition, in the
event that any or all of the Option Depositary Shares are purchased by the Underwriters, payment of the purchase price for, and delivery of certificates for, such Option Depositary Shares shall be made at the above-mentioned offices, or at such
other place as shall be agreed upon by the Representatives and the Company, on each Date of Delivery as specified in the notice from the Representatives to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp; <I>Public Offering of the Securities. </I>The Representatives hereby advise the Company that the Underwriters
intend to offer for sale to the public, initially on the terms set forth in the Registration Statement, the Disclosure Package and the Prospectus, their respective portions of the Securities as soon after this Agreement has been executed as the
Representatives, in their sole judgment, have determined is advisable and practicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Payment for the
Securities.</I> It is understood that each Underwriter has authorized the Representatives, for its account, to accept delivery of, receipt for, and make payment of the purchase price for, the Securities which it has agreed to purchase. Piper
Sandler, individually and not as a Representative of the Underwriters, may (but shall not be obligated to) make payment for any Securities to be purchased by any Underwriter whose funds shall not have been received by the Representatives by the
Closing Time or any Date of Delivery, as the case may be, for the account of such Underwriter, but any such payment shall not relieve such Underwriter from any of its obligations under this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I> Delivery of the Securities.</I><B><I> </I></B>Payment for the Securities purchased by the Underwriters shall be
made to the Company by wire transfer of immediately available funds to a </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
bank designated by the Company, against delivery to the Representatives for the respective accounts of the Underwriters of one or more global certificates representing the Securities
(collectively, the &#147;Global Certificate&#148;) to be purchased by the Underwriters. The Securities represented by the Global Certificate shall be in such denominations and registered in such names as the Representatives may request in writing at
least one full business day prior to the Closing Time or any Date of Delivery as the case may be. The Global Certificate shall be made available for examination by the Representatives not later than 10:00 a.m. (New York City time) on the business
day prior to the Closing Time or such Date of Delivery, as the case may be. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants of the
Company</U>. The Company covenants with the Underwriters as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Compliance with Securities Regulations
and Commission Requests</I>. Prior to the completion of the distribution of the Securities as contemplated in this Agreement (which the Representatives will promptly confirm orally to the Company), the Company will notify the Representatives
promptly, and confirm the notice in writing, (i)&nbsp;when any post-effective amendment to the Registration Statement or a new registration statement relating to the Securities shall become effective, or any amendment or supplement to the Disclosure
Package or the Prospectus or any amended Prospectus shall have been used or filed, (ii)&nbsp;of the receipt of any comments with respect to the Registration Statement from the Commission, (iii)&nbsp;of any request by the Commission for any amendment
to the Registration Statement or the filing of a new registration statement or any amendment or supplement to the Disclosure Package or the Prospectus or any document incorporated therein by reference or otherwise deemed to be a part thereof or for
additional information, (iv)&nbsp;of the issuance by the Commission of any stop order suspending the effectiveness of the Registration Statement or such new registration statement or of any order preventing or suspending the use of any preliminary
prospectus or the Prospectus, or of the suspension of the qualification of the Securities for offering or sale in any jurisdiction, or of the initiation or threatening of any proceedings for any of such purposes or of any examination pursuant to
Section&nbsp;8(e) of the 1933 Act concerning the Registration Statement and (v)&nbsp;if the Company becomes aware that it is the subject of a proceeding under Section&nbsp;8A of the 1933 Act. With respect to the Securities, subject to
Section&nbsp;3(e), the Company will comply with the requirements of Rule 430B, will prepare the Prospectus in the form approved by the Representatives, will effect the filings required under Rule 424(b) in the manner and within the time period
specified therein (without reliance on Rule 424(b) (8)) and will take such steps as it deems necessary to ascertain promptly whether the Prospectus transmitted for filing under Rule 424(b) under the 1933 Act Regulations was received for filing by
the Commission and, in the event that it was not, it will promptly file such Prospectus. The Company will use its commercially reasonable efforts to prevent the issuance of any stop order or other order and, if any stop order or other order is
issued, to obtain the lifting thereof as soon as possible. The Company shall pay the required filing fees of the Commission relating to the Securities within the time required by Rule 456(b)(1)(i) of the 1933 Act Regulations without regard to the
proviso therein and otherwise in accordance with Rules 456(b) and 457(r) of the 1933 Act Regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Registration Statements</I>. The Company will furnish to each Underwriter and counsel for the
Underwriters, on request without charge, signed or conformed copies of the Registration Statement and of each amendment thereto (but not including exhibits filed therewith or incorporated by reference therein and documents incorporated or deemed to
be </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
incorporated by reference therein or otherwise deemed to be a part thereof) and signed or conformed copies of all consents and certificates of experts. The copies of the Registration Statement
and each amendment thereto furnished to the Representatives will be identical to the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation
<FONT STYLE="white-space:nowrap">S-T.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectuses. </I>The Company has delivered to
each Underwriter, without charge, as many copies of each preliminary prospectus as such Underwriter reasonably requested, and the Company hereby consents to the use of such copies for purposes permitted by the 1933 Act. The Company will furnish to
each Underwriter, without charge, during the period when a prospectus is required to be delivered under the 1933 Act, such number of copies of the Prospectus (as amended or supplemented) as such Underwriter may reasonably request, unless, with the
prior consent of the Representatives, such delivery requirement can be satisfied by the provisions of Rule 172 of the 1933 Act Regulations. The Prospectus and any amendments or supplements thereto furnished to the Underwriters will be identical to
the electronically transmitted copies thereof filed with the Commission pursuant to EDGAR, except to the extent permitted by Regulation <FONT STYLE="white-space:nowrap">S-T.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Notice and Effect of Material Events</I>. The Company will comply with the 1933 Act, the 1933 Act Regulations,
the 1934 Act and the 1934 Act Regulations, as applicable, so as to permit the completion of the distribution of the Securities as contemplated in this Agreement and in the Registration Statement, the Disclosure Package and the Prospectus. Prior to
the completion of the distribution of the Securities by the Underwriters, the Company will immediately notify the Representatives, and confirm such notice in writing, of (x)&nbsp;any filing made by the Company of information relating to the offering
of the Securities with any securities exchange or any other regulatory body in the United States, and (y)&nbsp;any event or condition that results or is reasonably likely to result in a Material Adverse Change, which (i)&nbsp;makes any statement in
the Registration Statement, the Disclosure Package or the Prospectus false or misleading or (ii)&nbsp;which is not disclosed in the Registration Statement, the Disclosure Package or the Prospectus. If, at any time when a prospectus is required by
the 1933 Act to be delivered in connection with sales of the Securities, any event shall occur or condition shall exists as a result of which it is necessary, in the reasonable opinion of the Company, its counsel, the Representatives or counsel to
the Underwriters, to amend or supplement the Registration Statement or the Prospectus in order that the Prospectus not include any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein
not misleading in the light of the circumstances existing at the time it is delivered to purchasers, or if for any other reason it shall be necessary, in the reasonable opinion of the Company, its counsel, the Representatives or counsel to the
Underwriters, during such period to amend the Registration Statement or to file a new registration statement or to amend or supplement any preliminary prospectus or the Prospectus to comply with the 1933 Act or the 1933 Act Regulations, the Company
will forthwith amend the Registration Statement, file such registration statement and/or amend or supplement such preliminary prospectus or the Prospectus, subject to Section&nbsp;3(e), so as to correct such untrue statement or omission or effect
such compliance, and the Company will furnish to each Underwriter such number of written and electronic copies of such amendment or supplement as such Underwriter may reasonably request. If at any time following the Applicable Time or at any time
following the issuance of an Issuer Free Writing Prospectus, any event shall occur or condition shall exist as a result of which the Disclosure Package or such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Issuer Free Writing Prospectus, individually or together with other information that is part of the Disclosure Package, as the case may be, conflicted or would conflict with the information
contained in the Registration Statement or any other registration statement relating to the Securities or included or would include an untrue statement of a material fact or omitted or would omit to state a material fact necessary in order to make
the statements therein, in the light of the circumstances prevailing at that subsequent time, not misleading, the Company will promptly notify the Representatives and will promptly amend or supplement, at the Company&#146;s own expense, the
Disclosure Package or such Issuer Free Writing Prospectus, as the case may be, to eliminate or correct such conflict, untrue statement or omission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Amendment to Prospectus or Registration Statement</I>. The Company will advise the Representatives promptly of
any notice of its intention to file or prepare any amendment to the Registration Statement or a new registration statement relating to the Securities or any amendment or supplement to any preliminary prospectus or the Prospectus or supplement to the
Disclosure Package, and will furnish the Representatives with copies thereof a reasonable amount of time prior to such proposed filing or use, as the case may be, and will not file or use any such document with respect to the Securities without the
consent of the Representatives, which consent shall not be unreasonably withheld. Neither the consent of the Representatives, nor the Representatives&#146; delivery of any such amendment or supplement, shall constitute a waiver of any of the
conditions set forth in Section&nbsp;5 hereof. For purposes of clarity, this Section&nbsp;3(e) shall not apply to any filings required in order for the Company to comply with its reporting obligations under the 1934 Act or the 1934 Act Regulations.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Stabilization</I>. The Company will not take, directly or indirectly, any action designed to, or that
could reasonably be expected to, cause or result in any stabilization or manipulation of the price of the Securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>DTC</I>. The Company will cooperate with the Underwriters and use its commercially reasonable efforts to permit
the Securities to be eligible for clearance, settlement and trading through the facilities of DTC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Blue Sky
Compliance</I>. The Company will qualify the Securities for offer and sale under the state securities, or blue sky, laws of such jurisdictions as the Representatives shall reasonably request and will continue such qualifications in effect so long as
required for the offering and resale of the Securities; provided that the Company shall not be required to qualify as a foreign corporation or other entity or as a dealer in securities in any such jurisdiction where they would not otherwise be
required to so qualify, (ii)&nbsp;file any general consent to service of process in any such jurisdiction or (iii)&nbsp;subject themselves to taxation in any such jurisdiction if they are not otherwise so subject. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>Listing</I>. The Company will use its reasonable best efforts to effect the listing of the Securities on the
Nasdaq within 30 days after the Closing Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>Earnings Statement</I>. The Company shall timely file such
reports pursuant to the 1934 Act, as applicable, as are necessary in order to make generally available to their respective securityholders as soon as practicable an earnings statement for the purposes of, and to provide the benefits contemplated by,
the last paragraph of Section&nbsp;11(a) of the 1933 Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>Reporting Requirements</I>. The Company, during the period
when a prospectus is required to be delivered under the 1933 Act (including in circumstances where such requirement may be satisfied, with the prior consent of the Representatives, by Rule 172 under the 1933 Act Regulations), will file all documents
required to be filed with the Commission by the Company pursuant to the 1934 Act within the time periods required by the 1934 Act and the 1934 Act Regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>Use of Proceeds</I>. The Company will use the proceeds received by it from the sale of the Securities as
described in the Registration Statement, the Prospectus and the Disclosure Package. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Restriction on Sale of
Securities.</I> During a period of 30 days from the date of this Agreement, the Company will not, without the prior written consent of the Representatives, (i)&nbsp;directly or indirectly offer, pledge, sell, contract to sell, sell any option or
contract to purchase, purchase any option or contract to sell, grant any option, right or warrant for the sale of, or lend or otherwise transfer or dispose of, the Securities or any securities that are substantially similar to the Securities,
whether owned as of the date hereof or hereafter acquired or with respect to which such person has or hereafter acquires the power of disposition, or file, or cause to be filed, any registration statement under the 1933 Act with respect to any of
the foregoing or (ii)&nbsp;enter into any swap or any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of ownership of the Securities or such other securities, whether any such
swap or transaction described in clause (i)&nbsp;or (ii) above is to be settled by delivery of any Securities or such other securities, in cash or otherwise. The foregoing sentence shall not apply to the Securities to be sold hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>Issuer Free Writing Prospectuses</I>. The Company represents and agrees that, unless it obtains the prior
written consent of the Representatives, and each Underwriter represents and agrees that, unless it obtains the prior written consent of the Company and the Representatives, it has not made and will not make any offer relating to the Securities that
would constitute an &#147;issuer free writing prospectus&#148; (as defined in Rule 433) or that would otherwise constitute a &#147;free writing prospectus&#148; (as defined in Rule 405) required to be filed with the Commission. Any such free writing
prospectus consented to by the Company and the Representatives is referred to herein as a &#147;Permitted Free Writing Prospectus.&#148; The Company represents that it has treated, and agrees that it will treat, each Permitted Free Writing
Prospectus as an &#147;issuer free writing prospectus&#148; (as defined in Rule 433(h)(i)) and have complied and will comply with the requirements of Rule 433 applicable to any Permitted Free Writing Prospectus, including timely filing with the
Commission where required, legending and record keeping. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the consent of the Representatives required in the immediately
preceding paragraph, the Company will prepare a final term sheet relating solely to the final pricing terms of the Securities and will file such final term sheet within the period required by Rule 433(d)(5)(ii) following the date such final terms
have been established for such Securities. Any such final term sheet is an Issuer General Use Free Writing Prospectus and a Permitted Free Writing Prospectus for purposes of this Agreement. Notwithstanding anything to the contrary contained herein,
the Company consents to the use by any Underwriter of a free writing prospectus that contains only (a)&nbsp;(i) information describing the preliminary terms of the Securities generally or the Securities specifically or their offering or
(ii)&nbsp;information that </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
describes the final terms of the Securities or their offering and that is or is to be included in the final term sheet of the Company contemplated in the first sentence of this paragraph or
(b)&nbsp;other customary information that is not &#147;issuer information,&#148; as defined in Rule 433. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Filing of Certificate of Designation.</I> The Company will use its reasonable best efforts to file, prior to the
Closing Time, the Certificate of Designation with the Secretary of State of the State of Delaware. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I> NRSRO
Rating</I>. The Company will use commercially reasonable efforts to maintain a rating by a &#147;nationally recognized statistical rating organization&#148; as defined in Section&nbsp;3(a)(62) of the 1934 Act (&#147;NRSRO&#148;) while any Securities
remain outstanding. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;4.&nbsp;&nbsp;&nbsp;&nbsp; <U>Payment of Expenses</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Expenses</I>. The Company will pay all expenses incident to the performance of its obligations under this
Agreement, including (i)&nbsp;the preparation, printing and filing of the Registration Statement (including financial statements and exhibits) and of each amendment thereto and the cost of obtaining all securities and bank regulatory approvals;
(ii)&nbsp;the printing and delivery to the Underwriters of copies of each preliminary prospectus, any Permitted Free Writing Prospectus and the Prospectus and any amendments or supplements thereto and any reasonable and documented costs associated
with electronic delivery of any of the foregoing by the Underwriters to investors; (iii)&nbsp;the costs of blue sky qualification (including fees and expenses of Covington&nbsp;&amp; Burling LLP, blue sky counsel to the Underwriters, relating
thereto, up to a maximum of $5,000) of the Securities in the various jurisdictions; (iv)&nbsp;the costs, fees and expenses incurred by the Underwriters in connection with determining their compliance with the rules and regulations of FINRA related
to the Underwriters&#146; participation in the offering and distribution of the Securities, including any related filing fees and reasonable legal fees of, and disbursements by, counsel to the Underwriters; (v)&nbsp;all fees and disbursements of the
Company&#146;s counsel, accountants, agents and other advisors; (vi)&nbsp;the preparation, issuance and delivery of the certificates for the Securities, including filing fees and the fees and expenses of making the Securities eligible for clearance,
settlement and trading through the facilities of DTC; (vii)&nbsp;the fees and expenses of the Depositary and any paying agent (including related fees and expenses of any counsel to such parties), (viii) all expenses incident to the preparation and
filing of the Certificate of Designation with the Secretary of State of the State of Delaware; (ix)&nbsp;the costs and expenses of the Company relating to investor presentations on any &#147;road show&#148; undertaken in connection with the
marketing of the Securities; (x)&nbsp;any fees payable in connection with the rating of the Securities; (xi)&nbsp;all fees and expenses incurred by the Underwriters in connection with their services to be rendered hereunder including, without
limitation, road show or investor presentation expenses, word processing charges, the costs of printing or producing any investor presentation materials, messenger and duplicating service expenses, facsimile expenses and other customary expenditures
(including the reasonable fees and expenses of counsel to the Underwriters, which shall not exceed $75,000), <I>provided</I> that such foregoing expenses shall not exceed an aggregate of $100,000 (including the legal fees and expenses described in
this clause (xi)); (xii) the fees and expenses incurred in connection with the listing of the Securities on the Nasdaq; and (xiii)&nbsp;all other costs and expenses incident to the performance of its obligations hereunder which are not otherwise
specifically provided for in this Section. In the event any Underwriter incurs any such fees and expenses on behalf of the Company, the Company will </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
reimburse such Underwriter for such reasonable and documented fees and expenses whether or not the transactions contemplated hereby are consummated. It is understood, however, that, except as
provided in this Section&nbsp;4 and Sections 6, 7, 9 and 10(c) hereof, the Underwriters will pay all of their own costs and expenses, including transfer taxes on resale of any of the Securities by them and the cost of preparing and distributing any
term sheet prepared by any Underwriter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination</I>. If this Agreement is terminated by the
Representatives in accordance with the provisions of Section&nbsp;5(s), Section&nbsp;9(a)(i) or Section&nbsp;10(c) hereof, the Company shall reimburse the Underwriters for all of their
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses, including the reasonable and documented fees and disbursements of counsel for the Underwriters, which shall not exceed $75,000. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions of Underwriters&#146; Obligations</U>. The obligations of the several Underwriters
hereunder are subject to the accuracy of the representations and warranties of the Company contained in Section&nbsp;1 hereof or in certificates of any officer of the Company or any of its subsidiaries delivered pursuant to the provisions hereof, to
the performance by the Company of its obligations hereunder required to be performed prior to the Closing Time or any Date of Delivery, as the case may be, and to the following further conditions: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Filing of Prospectus</I>. The Prospectus containing the Rule 430B Information shall have been filed with the
Commission in the manner and within the time period required by Rule 424(b) (without reliance on Rule 424(b)(8)) (or a post-effective amendment providing such information shall have been filed and become effective in accordance with the requirements
of Rule 430B); all materials required to be filed by the Company pursuant to Rule 433(d) under the 1933 Act shall have been filed with the Commission within the applicable time period prescribed for such filing by Rule 433 under the 1933 Act. The
Registration Statement is effective and no stop order or other order referred to in Section&nbsp;3(a)(iv) hereof shall have been issued and no proceeding for that purpose shall have been initiated or are pending or threatened; and all requests for
additional information on the part of the Commission shall have been complied with to the Representatives&#146; satisfaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinion of Counsel for Company</I>. At the Closing Time, the Representatives shall have received the favorable
opinion, dated the Closing Time, of Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP, counsel for the Company, in form and substance reasonably satisfactory to counsel for the Underwriters. Such counsel may state that, insofar as its opinion
involves factual matters, it has relied, to the extent it deems proper, upon certificates of officers of the Company and public officials. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Opinion of Counsel for the Underwriters</I>. At the Closing Time, the Representatives shall have received the
favorable opinion, dated the Closing Time, of Covington&nbsp;&amp; Burling LLP, counsel for the Underwriters, with respect to such matters as the Representatives may reasonably require. Such counsel may also state that, insofar as such opinion
involves factual matters, they have relied, to the extent they deem proper, upon certificates of officers of the Company and public officials. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<I>Certificates</I>. At the Closing Time, there shall not have been, since the date hereof or since the respective
dates as of which information is given in the Registration Statement, the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Prospectus or the Disclosure Package, any Material Adverse Effect, and the Representatives shall have received a certificate of the Chief Executive Officer or the President of the Company and of
the Chief Financial Officer of the Company, dated the Closing Time, to the effect that (i)&nbsp;there has been no such Material Adverse Effect, (ii)&nbsp;the representations and warranties in Section&nbsp;1 hereof were true and correct when made and
are true and correct with the same force and effect as though expressly made at and as of the Closing Time, and (iii)&nbsp;the Company has complied with all agreements and satisfied all conditions on their part to be performed or satisfied at or
prior to the Closing Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<I>Independent Auditors&#146; Comfort Letter</I>. At the time of the execution of
this Agreement, the Representatives shall have received a letter from KPMG LLP, dated such date, in form and substance reasonably satisfactory to the Underwriters, containing statements and information of the type ordinarily included in
accountants&#146; &#147;comfort letters&#148; to underwriters with respect to the financial statements and financial and accounting information included in the Registration Statement, the Prospectus and the Disclosure Package. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<I>Bring-down Comfort Letter</I>. At the Closing Time, the Representatives shall have received from KPMG LLP a
letter, dated the Closing Time, to the effect that they reaffirm the statements made in the letter furnished pursuant to subsection (e)&nbsp;of this Section, except that the specified date referred to shall be a date not more than three business
days prior to the Closing Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<I>Certificate of Chief Financial Officer</I>. At the time of execution of
this Agreement and at the Closing Time, the Representatives shall have received a certificate, dated, respectively, the date hereof and the Closing Time, executed by the Chief Financial Officer of the Company, in form and substance satisfactory to
the Representatives. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<I>Ratings</I>. At the Closing Time, the Securities will be rated at least <FONT
STYLE="white-space:nowrap">BBB-</FONT> by Kroll Bond Rating Agency, Inc. Subsequent to the execution of this Agreement, there shall not have occurred a downgrading in or withdrawal of the rating assigned to the Securities or any other securities of
the Company by any NRSRO, and no such organization shall have publicly announced that it has under surveillance or review, or has changed its outlook with respect to, its rating of the Securities or any other securities of the Company (other than an
announcement with positive implications of a possible upgrading). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I>DTC</I>. At the Closing Time, the
Securities shall be eligible for clearance, settlement and trading through the facilities of DTC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<I>No
Objection</I>. FINRA shall have raised no objection with respect to the fairness and reasonableness of the underwriting terms and arrangements, which objection has not been withdrawn or otherwise satisfied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<I>Delivery of Prospectus</I>. The Company shall have complied with the provisions hereof with respect to the
furnishing of prospectuses, in electronic or printed format, on the New York business day next succeeding the date of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;<I>No Legal Impediment to Issuance</I>. No action shall have been taken and no statute, rule, regulation or order
shall have been enacted, adopted or issued by any Governmental Entity </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
that would, as of the Closing Time, prevent the offer, issuance or sale of the Securities; and no injunction or order of any federal, state or foreign court shall have been issued that would, as
of the Closing Time, prevent the issuance or sale of the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination Event</I>. On or after the
date hereof, there shall not have occurred any of the events, circumstances or occurrences set forth in Section&nbsp;9(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;<I>Additional Documents</I>. At the Closing Time, counsel for the Underwriters shall have been furnished with such
documents and opinions as they may reasonably require for the purpose of enabling them to pass upon the issuance and sale of the Securities as herein contemplated, or in order to evidence the accuracy of any of the representations or warranties of
the Company, or the fulfillment of any of the conditions, herein contained; and all proceedings taken by the Company in connection with the issuance and sale of the Securities as herein contemplated shall be reasonably satisfactory in form and
substance to the Representatives and counsel for the Underwriters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;<I>Deposit Agreement.</I><B><I> </I></B>The
Deposit Agreement shall have been executed and delivered by each party thereto and an executed copy thereof shall have been provided to the Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;<I>Listing.</I> The Company shall have used its reasonable best efforts to effect the listing of the Securities on
the Nasdaq. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;<I>Filing of Certificate of Designation.</I> Prior to the Closing Time, the Certificate of
Designation for the Preferred Stock shall have been duly filed with the Secretary of State of the State of Delaware and shall be in full force and effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;<I>Conditions to Purchase of Option Depositary Shares.</I> In the event that the Underwriters exercise their option
provided in Section&nbsp;2(b) hereof to purchase all or any portion of the Option Depositary Shares, the representations and warranties of the Company contained herein and the statements in any certificates furnished by the Company or any of its
subsidiaries hereunder shall be true and correct as of each Date of Delivery, the conditions set forth in Sections 5(a), (h), (j), (l), (m) and (n)&nbsp;hereof shall be satisfied at each Date of Delivery and, at the relevant Date of Delivery, the
Representatives shall have received: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion of Counsel for Company</U>. The favorable opinion, dated such
Date of Delivery, of Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP, counsel for the Company, in form and substance reasonably satisfactory to counsel for the Underwriters. Such counsel for the Company may state that, insofar as its opinion
involves factual matters, it has relied, to the extent it deems proper, upon certificates of officers of the Company and public officials. The opinion shall be otherwise to the same effect as the opinion required by Section&nbsp;5(b) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion of Counsel for the Underwriters</U>. The favorable opinion, dated such Date of Delivery, of
Covington&nbsp;&amp; Burling LLP, counsel for the Underwriters, with respect to such matters as the Representatives may reasonably require. Such counsel may also state that, insofar as such opinion involves factual matters, it has relied, to the
extent it deems proper, upon certificates of officers of the Company and public officials. The opinion shall be otherwise to the same effect as the opinion required by Section&nbsp;5(c) hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;<U>Certificates</U>. Certificates of the Chief Executive
Officer or the President of the Company and of the Chief Financial Officer of the Company, dated such Date of Delivery, to the effect that (i)&nbsp;there has been no Material Adverse Effect, (ii)&nbsp;the representations and warranties in
Section&nbsp;1 hereof were true and correct when made and are true and correct with the same force and effect as though expressly made at and as of such Date of Delivery, and (iii)&nbsp;the Company has complied with all agreements and satisfied all
conditions on their part to be performed or satisfied at or prior to such Date of Delivery. The certificate shall be otherwise to the same effect as the certificates required by Section&nbsp;5(d) hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;<U>Bring-down Comfort Letter</U>. A letter from KPMG LLP, dated such Date of Delivery, to the effect that they
reaffirm the statements made in the letter furnished pursuant to subsection (e)&nbsp;of this Section, except that the specified date referred to shall be a date not more than three (3)&nbsp;business days prior to such Date of Delivery. The letter
shall be otherwise to the same effect as the letter required by Section&nbsp;5(f) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;<U>Certificate of
Chief Financial Officer</U>. A certificate, dated such Date of Delivery, executed by the Chief Financial Officer of the Company, in form and substance satisfactory to the Representatives. The certificate shall be otherwise to the same effect as the
certificate required by Section&nbsp;5(g) hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;<I><U>Termination of Agreement</U></I>. If any condition
specified in this Section shall not have been fulfilled when and as required to be <I>fulfilled</I>, this Agreement may be terminated by the Representatives by notice to the Company at any time at or prior to the Closing Time, and such termination
shall be without liability of any party to any other party except as provided in Section&nbsp;4 hereof and except that Sections 1, 6, 7, 8 and 15 hereof shall survive any such termination and remain in full force and effect. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Underwriters</I>. The Company agrees to indemnify and hold harmless each Underwriter, their
respective affiliates (as such term is defined in Rule 405 of the 1933 Act Regulations), partners, directors, officers, employees and agents and each person, if any, who controls (within the meaning of Section&nbsp;15 of the 1933 Act or
Section&nbsp;20 of the 1934 Act) any Underwriter (each such person, a &#147;controlling person&#148;): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;against
any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of (A)&nbsp;any untrue statement or alleged untrue statement of a material fact included in the Registration Statement (or any amendment thereto) or the
omission or alleged omission therefrom of a material fact required to be stated therein or necessary to make the statements therein not misleading, (B)&nbsp;any untrue statement or alleged untrue statement of a material fact included in any
preliminary prospectus, the Disclosure Package, the Prospectus or any Issuer Free Writing Prospectus, or any amendment or supplement thereto, or the omission or alleged omission therefrom of a material fact necessary in order to make the statements
therein, in the light of the circumstances under which they were made, not misleading; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all
loss, liability, claim, damage and expense whatsoever, as incurred, to the extent of the aggregate amount paid in settlement of any litigation, or any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever based upon any such untrue statement or omission, or any such alleged untrue
statement or omission; provided that (subject to Section&nbsp;6(c) hereof) any such settlement is effected with the written consent of the Company; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;against any and all expense whatsoever, as incurred (including the fees and disbursements of one counsel chosen
by the Representatives), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation or proceeding by or before any governmental agency or body, commenced or threatened, or any claim whatsoever based
upon any such untrue statement or omission, or any such alleged untrue statement or omission, to the extent that any such expense is not paid under (i)&nbsp;or (ii) above; <U>provided</U>, <U>however</U>, that this indemnity agreement shall not
apply to any loss, liability, claim, damage or expense to the extent arising out of any untrue statement or omission or alleged untrue statement or omission made in reliance upon and in conformity with written information furnished to the Company by
the Underwriters through the Representatives expressly for inclusion in the Prospectus (or any amendment or supplement thereto) and the parties hereto agree that such information consists only of the following: the information relating to
stabilizing transactions, syndicate covering transactions and penalty bids under the caption &#147;Underwriting&#151;Stabilization activities&#148; in each of the preliminary prospectus and the Prospectus (collectively, the &#147;Underwriters&#146;
Information&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Indemnification of Company, Directors and Officers</I>. Each Underwriter, severally and
not jointly, agrees to indemnify and hold harmless the Company, its directors, each of its officers who signed the Registration Statement and each person, if any, who controls the Company within the meaning of Section&nbsp;15 of the 1933 Act or
Section&nbsp;20 of the 1934 Act against any and all loss, liability, claim, damage and expense described in the indemnity contained in Section&nbsp;6(a) above, as incurred, but only with respect to untrue statements or omissions, or alleged untrue
statements or omissions, made in the Registration Statement, any preliminary prospectus, any Issuer Free Writing Prospectus or the Prospectus conformity with the Underwriters&#146; Information provided by such Underwriter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<I>Actions against Parties; Notification</I>. Each indemnified party shall give notice as promptly as reasonably
practicable to each indemnifying party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure to so notify an indemnifying party shall not relieve such indemnifying party from any liability hereunder to
the extent it is not materially prejudiced as a result thereof, and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity agreement. An indemnifying party may participate at its own
expense in the defense of any such action or, if it so elects within a reasonable time after receipt of such notice, to assume the defense of any suit brought to enforce any such claim; but if it so elects to assume the defense, such defense shall
be conducted by counsel chosen by it and approved by the indemnified parties, which approval shall not be unreasonably withheld. In the event that an indemnifying party elects to assume the defense of any such suit and retain such counsel, the
indemnified party or parties shall bear the fees and expenses of any additional counsel thereafter retained by such indemnified party or parties; <U>provided</U>, <U>however</U>, that the indemnified party or parties shall have the right to employ
counsel (in addition to local counsel) to represent the indemnified party or parties who may be subject to liability arising out of any action in respect of which indemnity may be sought against </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the indemnifying party if, (i)&nbsp;the employment of such counsel shall have been authorized in writing by one of the indemnifying parties in connection with the defense of such action,
(ii)&nbsp;the indemnifying parties shall not have employed counsel to have charge of the defense of such action within a reasonable time after notice of commencement of the action, or (iii)&nbsp;in the reasonable judgment of counsel for the
indemnified party or parties, there may be legal defenses available to such indemnified person which are different from or in addition to those available to such indemnifying person, in which event the reasonable fees and expenses of appropriate
separate counsel shall be borne by the indemnifying party. In no event shall the indemnifying parties be liable for fees and expenses of more than one counsel (in addition to any local counsel) separate from their own counsel for all indemnified
parties in connection with any one action or separate but similar or related actions in the same jurisdiction arising out of the same general allegations or circumstances. No indemnifying party shall, without the prior written consent of the
indemnified parties, settle or compromise or consent to the entry of any judgment with respect to any litigation, or any investigation or proceeding by or before any governmental agency or body, commenced or threatened, or any claim whatsoever in
respect of which indemnification or contribution could be sought under this Section&nbsp;6 or Section&nbsp;7 hereof (whether or not the indemnified parties are actual or potential parties thereto), unless such settlement, compromise or consent
(i)&nbsp;includes an unconditional release of each indemnified party from all liability arising out of such litigation, investigation, proceeding or claim and (ii)&nbsp;does not include a statement as to or an admission of fault, culpability or a
failure to act by or on behalf of any indemnified party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Contribution</U>. In order to provide
for just and equitable contribution in circumstances under which the indemnification provided for in Section&nbsp;6 hereof is for any reason held to be unavailable to an indemnified party or insufficient in respect of any losses, liabilities,
claims, damages or expenses referred to therein, then each indemnifying party shall contribute to the aggregate amount of such losses, liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, (i)&nbsp;in such
proportion as is appropriate to reflect the relative benefits received by the Company, on the one hand, and the Underwriters, on the other hand, from the offering of the Securities pursuant to this Agreement or (ii)&nbsp;if the allocation provided
by clause (i)&nbsp;is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause (i)&nbsp;above but also the relative fault of the Company, on the one hand, and the
Underwriters, on the other hand, in connection with the statements or omissions which resulted in such losses, liabilities, claims, damages or expenses, as well as any other relevant equitable considerations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative benefits received by the Company, on the one hand, and the Underwriters, on the other hand, in connection with the offering of
the Securities pursuant to this Agreement shall be deemed to be in the same respective proportions as the total net proceeds from the offering of the Securities pursuant to this Agreement (before deducting expenses) received by the Company and the
total commission received by the Underwriters bears to the aggregate initial offering price of the Securities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The relative fault of the
Company, on the one hand, and the Underwriters, on the other hand, shall be determined by reference to, among other things, whether any such untrue or alleged untrue statements of a material fact or omission or alleged omission to state a material
fact relates to information supplied by the Company or by the Underwriters and the parties&#146; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company and the Underwriters agree that it would not be just and equitable if
contribution pursuant to this Section&nbsp;7 were determined by pro rata allocation (even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation which does not take account of the equitable
considerations referred to above in this Section&nbsp;7. The aggregate amount of losses, liabilities, claims, damages and expenses incurred by an indemnified party and referred to above in this Section&nbsp;7 shall be deemed to include any legal or
other expenses reasonably incurred by such indemnified party in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever
based upon any such untrue or alleged untrue statement or omission or alleged omission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the provisions of this
Section&nbsp;7, no Underwriter shall be required to contribute any amount in excess of the amount by which the total commissions received by it exceeds the amount of any damages which such Underwriter has otherwise been required to pay by reason of
such untrue or alleged untrue statement or omission or alleged omission. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No person guilty of fraudulent misrepresentation (within the
meaning of Section&nbsp;11(f) of the 1933 Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;7, each person, if any, who controls an Underwriter within the meaning of Section&nbsp;15 of the 1933 Act or
Section&nbsp;20 of the 1934 Act and the respective partners, directors, officers, employees and agents of such Underwriter or any such controlling person shall have the same rights to contribution as such Underwriter, while each director of the
Company, each officer of the Company who signed the Registration Statement, and each person, if any, who controls the Company within the meaning of Section&nbsp;15 of the 1933 Act or Section&nbsp;20 of the 1934 Act shall have the same rights to
contribution as the Company. The obligations of the Underwriters in this Section&nbsp;7 to contribute are several in proportion to their respective underwriting obligations and not joint. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties and Agreements to Survive Delivery</U>. All representations, warranties
and agreements contained in this Agreement or in certificates of officers of the Company or its subsidiaries submitted pursuant hereto shall remain operative and in full force and effect, regardless of any investigation made by or on behalf of any
Underwriter or controlling person, or by or on behalf of the Company, and shall survive delivery of the Securities to the Underwriters. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;9.&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination of Agreement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination; General</I>. The Representatives may terminate this Agreement, by notice to the Company, at any time
at or prior to the Closing Time if, in the reasonable judgement of the Representatives, since the time of execution of this Agreement or since the respective dates as of which information is given in the Registration Statement, Disclosure Package or
the Prospectus, (i)&nbsp;there has occurred any Material Adverse Effect, (ii)&nbsp;there has </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
occurred any material adverse change in the financial markets in the United States, any outbreak of hostilities or escalation thereof or any other calamity or crisis, including a widespread
outbreak of epidemic illnesses (including the novel coronavirus <FONT STYLE="white-space:nowrap">COVID-19</FONT> to the extent that there is a material worsening of such outbreak that actually occurs after the date hereof in the markets in which the
Company operates) or any change or development involving a prospective change in national political, financial or economic conditions, in each case the effect of which is such as to make it, in the judgment of the Representatives, impracticable or
inadvisable to proceed with the completion of the offering of the Securities on the terms and in the manner contemplated in the Registration Statement, the Prospectus and the Disclosure Package or to enforce contracts for the sale of the Securities,
(iii)&nbsp;trading or quotation in any securities of the Company has been suspended or limited by the Commission or by the Nasdaq, or if trading generally on the New York Stock Exchange or the Nasdaq has been suspended or limited, or minimum or
maximum prices for trading have been fixed, or maximum ranges for prices have been required, by any of said exchanges or by such system or by order of the Commission, FINRA or any other governmental authority, (iv)&nbsp;there has occurred a
downgrading in or withdrawal of the rating assigned to the Securities or any other securities of the Company by any NRSRO, or such organization has publicly announced that it has under surveillance or review, or has changed its outlook with respect
to, its rating of the Securities or any other securities of the Company, or (v)&nbsp;a banking moratorium has been declared by the United States, New York, New Jersey or Pennsylvania authorities or a material restriction on banking activities or
operations by such regulatory authorities or a material disruption has occurred in commercial banking or securities settlement and clearances services in the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<I>Liabilities</I>. If this Agreement is terminated pursuant to this Section, such termination shall be without
liability of any party to any other party except as provided in Section&nbsp;4 hereof, and provided further that Sections 1, 6, 7, 8 and 15 hereof shall survive such termination and remain in full force and effect. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;10.&nbsp;&nbsp;&nbsp;&nbsp;<U>Defaulting Underwriter</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;If, at the Closing Time or on any Date of Delivery, any Underwriter defaults on its obligation to purchase the
Securities that it has agreed to purchase hereunder, the Representatives may in its discretion arrange for the purchase of such Securities by other persons satisfactory to the Company on the terms contained in this Agreement. If other persons become
obligated or agree to purchase the Securities of a defaulting Underwriter, either the Representatives or the Company may postpone the Closing Time or a Date of Delivery for up to five (5)&nbsp;full business days in order to effect any changes that
in the opinion of counsel for the Company or counsel for the Underwriters may be necessary in Registration Statement, the Prospectus, Disclosure Package or in any other document or arrangement, and the Company agrees to promptly prepare any
amendment or supplement to the Registration Statement, the Prospectus or Disclosure Package that effects any such changes. As used in this Agreement, the term &#147;Underwriter&#148; includes, for all purposes of this Agreement unless the context
otherwise requires, any person not listed in Schedule I hereto that, pursuant to this Section&nbsp;10, purchases Securities that a defaulting Underwriter agreed but failed to purchase. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;If, at the Closing Time or on any Date of Delivery, after giving effect to any arrangement for the purchase of the
Securities of a defaulting Underwriter or Underwriters by the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Representatives and the Company as provided in paragraph (a)&nbsp;above, the aggregate principal amount of such Securities that remains unpurchased does not exceed 10% of the aggregate principal
amount of all of the Securities purchased on such date, then the Company shall have the right to require each <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter to purchase the aggregate principal amount of Securities that such
Underwriter agreed to purchase hereunder plus such Underwriter&#146;s pro rata share (based on the aggregate principal amount of Securities that such Underwriter agreed to purchase hereunder) of the Securities of such defaulting Underwriter or
Underwriters for which such arrangement has not been made. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;If, at the Closing Time or on any Date of Delivery,
after giving effect to any arrangements for the purchase of the Securities of a defaulting Underwriter or Underwriters by the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter and the Company as provided in paragraph (a)&nbsp;above,
the aggregate principal amount of such Securities that remains unpurchased exceeds 10% of the aggregate principal amount of all of the Securities purchased on such date, or if the Company shall not exercise the right described in paragraph
(b)&nbsp;above, then this Agreement shall terminate without liability on the part of the <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriters. Any termination of this Agreement pursuant to this Section&nbsp;10 shall be without
liability on the part of the Company, except that the Company will continue to be liable for the payment of expenses as set forth in Section&nbsp;4 hereof and except that the provisions of Sections 1, 6, 7, 8 and 15 hereof shall not terminate and
shall remain in effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Nothing contained herein shall relieve a defaulting Underwriter of any liability it
may have to the Company or any <FONT STYLE="white-space:nowrap">non-defaulting</FONT> Underwriter for damages caused by its default. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;11.&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices and other communications hereunder shall be in writing and shall be deemed
to have been duly given if mailed or transmitted by any standard form of telecommunication. Notices to the Underwriters shall be directed to (i)&nbsp;Piper Sandler&nbsp;&amp; Co., 1251 Avenue of the Americas, 6th Floor, New York, New York 10020 and
(ii)&nbsp;Raymond James&nbsp;&amp; Associates, Inc., 880 Carillon Parkway, St. Petersburg, Florida 33716, Attention: ECM General Counsel, with a copy to Covington&nbsp;&amp; Burling LLP, The New York Times Building, 620 Eighth Avenue, 42nd Floor,
New York, New York 10018, Attention: Christopher DeCresce; and notices to the Company shall be directed to it at 975 Hooper Avenue, Toms River, NJ 08753, Attention: Mike Fitzpatrick, with a copy to Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP,
One Manhattan West, New York, New York 10001, Attention: Michael J. Zeidel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;12.&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties</U>. This
Agreement shall inure to the benefit of and be binding upon each Underwriter, the Company and their respective successors. Nothing expressed or mentioned in this Agreement is intended or shall be construed to give any person, firm or corporation,
other than the Underwriters, the Company and their respective successors and the controlling persons and other persons referred to in Sections 1, 6 and 7 hereof and their heirs and legal representatives, any legal or equitable right, remedy or claim
under or in respect of this Agreement or any provision herein contained. This Agreement and all conditions and provisions hereof are intended to be for the sole and exclusive benefit of the Underwriters, the Company and their respective successors,
and said controlling persons and other persons and their heirs and legal representatives, and for the benefit of no other person, firm or corporation. No purchaser of Securities from any Underwriter shall be deemed to be a successor by reason merely
of such purchase. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;13.&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement; Counterparts; Facsimile</U>.
This Agreement constitutes the entire agreement of the parties to this Agreement and supersedes all prior written or oral and all contemporaneous oral agreements, understandings and negotiations with respect to the subject matter hereof. This
Underwriting Agreement may be executed in any number of counterparts and by the parties hereto in separate counterparts, and signature pages may be delivered by facsimile or other electronic means, each of which when so executed shall be deemed to
be an original and all of which taken together shall constitute one and the same agreement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;14.&nbsp;&nbsp;&nbsp;&nbsp;<U>Recognition of the U.S. Special Resolution Regimes</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that is a Covered Entity becomes subject to a proceeding under a U.S. Special
Resolution Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be effective under the U.S. Special Resolution Regime if
this Agreement, and any such interest and obligation, were governed by the laws of the United States or a state of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes
subject to a proceeding under a U.S. Special Resolution Regime, Default Rights under this Agreement that may be exercised against such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under
the U.S. Special Resolution Regime if this Agreement were governed by the laws of the United States or a state of the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For
purposes of this Agreement, (A) &#147;BHC Act Affiliate&#148; has the meaning assigned to the term &#147;affiliate&#148; in, and shall be interpreted in accordance with, 12 U.S.C. &#167; 1841(k); (B) &#147;Covered Entity&#148; means any of the
following: (i)&nbsp;a &#147;covered entity&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167; 252.82(b); (ii) a &#147;covered bank&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R.
&#167; 47.3(b); or (iii)&nbsp;a &#147;covered FSI&#148; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167; 382.2(b); (C) &#147;Default Right&#148; has the meaning assigned to that term in, and shall be interpreted in
accordance with, 12 C.F.R. &#167;&#167; 252.81, 47.2 or 382.1, as applicable; and (D) &#147;U.S. Special Resolution Regime&#148; means each of (i)&nbsp;the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii)&nbsp;Title
II of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;15.&nbsp;&nbsp;&nbsp;&nbsp;<U>GOVERNING LAW; JURISDICTION</U>. THIS AGREEMENT AND ANY CLAIM, CONTROVERSY OR DISPUTE ARISING UNDER
OR RELATED TO THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES OF SAID STATE OTHER THAN SECTION <FONT STYLE="white-space:nowrap">5-1401</FONT> OF THE
NEW YORK GENERAL OBLIGATIONS LAW. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THE COMPANY ON BEHALF OF ITSELF AND ITS SUBSIDIARIES HEREBY IRREVOCABLY SUBMITS TO THE EXCLUSIVE
JURISDICTION OF THE FEDERAL AND NEW YORK STATE COURTS LOCATED IN THE CITY OF NEW YORK IN CONNECTION WITH ANY SUIT, ACTION OR PROCEEDING RELATED TO THIS </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
AGREEMENT OR ANY OF THE MATTERS CONTEMPLATED HEREBY, IRREVOCABLY WAIVES ANY DEFENSE OF LACK OF PERSONAL JURISDICTION AND IRREVOCABLY AGREES THAT ALL CLAIMS IN RESPECT OF ANY SUIT, ACTION OR
PROCEEDING MAY BE HEARD AND DETERMINED IN ANY SUCH COURT. THE COMPANY ON BEHALF OF ITSELF AND ITS SUBSIDIARIES IRREVOCABLY WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO UNDER APPLICABLE LAW, ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE
TO THE LAYING OF VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT AND ANY CLAIM THAT ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;16.&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment; Waiver; Effect of Headings</U>. This Agreement may not be amended or modified unless in
writing by all of the parties hereto, and no condition herein (express or implied) may be waived unless waived in writing by each party whom the condition is meant to benefit. The Article and Section headings herein are for convenience only and
shall not affect the construction hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;17.&nbsp;&nbsp;&nbsp;&nbsp;<U>Trial by Jury</U>. Each of the Company (on its
behalf and, to the extent permitted by applicable law, on behalf of its stockholders and affiliates) and the Underwriters hereby irrevocably waives, to the fullest extent permitted by applicable law, any and all right to trial by jury in any legal
proceeding arising out of or relating to this Agreement or the transactions contemplated hereby </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">SECTION&nbsp;18.&nbsp;&nbsp;&nbsp;&nbsp;<U>Nature of Relationship</U>. The Company acknowledges and agrees that (a)&nbsp;the offering or
purchase and sale of the Securities pursuant to this Agreement, including the determination of the terms of the Securities and the offering price thereof and any related discounts and commissions, is an
<FONT STYLE="white-space:nowrap">arm&#146;s-length</FONT> commercial transaction between the Company, on the one hand, and the several Underwriters, on the other hand, (b)&nbsp;in connection with the offering pursuant to this Agreement and the
process leading to such offering each Underwriter is and has been acting solely as a principal and is not the agent or fiduciary of the Company or its stockholders, creditors, employees or any other party, (c)&nbsp;no Underwriter has assumed or will
assume an advisory or fiduciary responsibility in favor of the Company with respect to the offering pursuant to this Agreement or the process leading thereto (irrespective of whether such Underwriter has advised or is currently advising the Company
on other matters) and no Underwriter has any obligation to the Company with respect to the offering pursuant to this Agreement except the obligations expressly set forth in this Agreement, (d)&nbsp;the Underwriters and their respective affiliates
may be engaged in a broad range of transactions that involve interests that differ from those of the Company and (e)&nbsp;the Underwriters have not provided any legal, accounting, regulatory or tax advice with respect to the offering contemplated
hereby and the Company has consulted its own legal, financial, accounting, regulatory and tax advisors to the extent it deemed appropriate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the foregoing is in accordance with your understanding, please indicate your acceptance of this Agreement by signing in the space below.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature pages follow</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Very truly yours,</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OCEANFIRST FINANCIAL CORP.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Michael Fitzpatrick</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Michael J. Fitzpatrick</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Executive Vice President and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Financial Officer</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page to
Underwriting Agreement</I>] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">CONFIRMED AND ACCEPTED,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">as of the date first above written,</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">for itself and as a Representative</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">of the other Underwriters named</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">in Schedule I hereto:</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">PIPER SANDLER&nbsp;&amp; CO.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Jennifer Docherty</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Jennifer Docherty</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Managing Director</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">RAYMOND JAMES&nbsp;&amp; ASSOCIATES, INC.</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Robert Hutchinson</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Robert Hutchinson</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Managing Director</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page to
Underwriting Agreement</I>] </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE I </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The purchase price per Depositary Share to be paid by the several Underwriters shall be $24.2125 (in the case of Securities sold to retail
investors) and $24.625 (in the case of Securities sold to institutional investors), being an amount equal to the initial public offering price set forth above less a discount of $0.7875 per Depositary Share (in the case of Securities sold to retail
investors) and $0.375 per Depositary Share (in the case of Securities sold to institutional investors) </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="67%"></TD>

<TD VALIGN="bottom" WIDTH="22%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Name of Underwriter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Number&nbsp;of&nbsp;Depositary&nbsp;Shares&nbsp;to&nbsp;be<BR>Purchased</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,210,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Raymond James&nbsp;&amp; Associates, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">990,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Total</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,200,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">SCHEDULE II </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Pricing Term Sheet for Securities, dated May&nbsp;1, 2020 </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Investor Presentation, filed with the Commission on April&nbsp;30, 2020 </P></TD></TR></TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>3
<FILENAME>d792860dex51.htm
<DESCRIPTION>EX-5.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-5.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 5.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Letterhead of Skadden, Arps, Slate, Meagher&nbsp;&amp; Flom LLP] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:56%; font-size:10pt; font-family:Times New Roman" ALIGN="center">May&nbsp;7, 2020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OceanFirst
Financial Corp. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">975 Hooper Avenue </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Toms River, NJ 08753 </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Re: OceanFirst Financial Corp. <U> </U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration Statement on Form <FONT STYLE="white-space:nowrap">S-3</FONT></U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We have acted as special
United States counsel to OceanFirst Financial Corp., a Delaware corporation (the &#147;<U>Company</U>&#148;), in connection with the public offering of 2,200,000 depositary shares (the &#147;<U>Firm Shares</U>&#148;), each representing a 1/40th
ownership interest in a share of the Company&#146;s 7.00% <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series
A, par value $0.01 per share and liquidation preference of $1,000 per share (the &#147;<U>Series A Preferred Stock</U>&#148;), and up to an additional 330,000 depositary shares (the &#147;<U>Option Shares</U>&#148;) of the Series A Preferred Stock
at the Underwriters&#146; option to cover over-allotments. The Firm Shares and the Option Shares are collectively referred to herein as the &#147;<U>Depositary Shares</U>.&#148; The Series A Preferred Stock is to be deposited by the Company with
Broadridge Corporation Issuer Solutions, Inc. (&#147;<U>Broadridge</U>&#148;), acting as depositary (in such capacity, the &#147;<U>Depositary</U>&#148;), registrar and transfer agent, pursuant to the Deposit Agreement, dated May&nbsp;7, 2020 (the
&#147;<U>Deposit Agreement</U>&#148;), by and among the Company, Broadridge, acting as Depositary, registrar and transfer agent, and the holders from time to time of depositary receipts issued under the Deposit Agreement to evidence the Depositary
Shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This opinion is being furnished in accordance with the requirements of Item 601(b)(5) of Regulation <FONT
STYLE="white-space:nowrap">S-K</FONT> under the Securities Act of 1933 (the &#147;<U>Securities Act</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In rendering the opinions
stated herein, we have examined and relied upon the following: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;the registration statement on Form <FONT
STYLE="white-space:nowrap">S-3</FONT> (File No.&nbsp;333-237356) of the Company relating to the Depositary Shares, Series A Preferred Stock and other securities of the Company filed on March&nbsp;24, 2020 with the Securities and Exchange Commission
(the &#147;<U>Commission</U>&#148;) under the Securities Act allowing for delayed offerings pursuant to Rule 415 of the General Rules and Regulations under the Securities Act (the &#147;<U>Rules and Regulations</U>&#148;), including the information
deemed to be a part of the registration statement pursuant to Rule 430B of the Rules and Regulations (such registration statement being hereinafter referred to as the &#147;<U>Registration Statement</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;the prospectus, dated March&nbsp;24, 2020 (the &#147;<U>Base Prospectus</U>&#148;), which forms a part of and is
included in the Registration Statement; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;the preliminary prospectus supplement, dated April&nbsp;30, 2020
(together with the Base Prospectus, the &#147;<U>Preliminary Prospectus</U>&#148;), relating to the offering of the Depositary Shares, in the form filed with the Commission pursuant to Rule 424(b) of the Rules and Regulations; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OceanFirst Financial Corp. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 7, 2020 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 2
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv)&nbsp;&nbsp;&nbsp;&nbsp;the prospectus supplement, dated May&nbsp;1, 2020 (together with
the Base Prospectus, the &#147;<U>Prospectus</U>&#148;), relating to the offering of the Depositary Shares, in the form filed with the Commission pursuant to Rule 424(b) of the Rules and Regulations; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;an executed copy of the Underwriting Agreement (the &#147;<U>Underwriting Agreement</U>&#148;), dated May&nbsp;1,
2020, among the Company and Piper Sandler&nbsp;&amp; Co. and Raymond James&nbsp;&amp; Associates, Inc. (the &#147;<U>Underwriters</U>&#148;), relating to the sale by the Company to the Underwriters of the Depositary Shares; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi)&nbsp;&nbsp;&nbsp;&nbsp;an executed copy of the Deposit Agreement; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii)&nbsp;&nbsp;&nbsp;&nbsp;an executed certificate evidencing the Series A Preferred Stock registered in the name of Broadridge (the
&#147;<U>Preferred Stock Certificate</U>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii)&nbsp;&nbsp;&nbsp;&nbsp;a copy of the Certificate of Designations (the
&#147;<U>Certificate of Designations</U>&#148;), as filed with the Secretary of State of the State of Delaware on May&nbsp;6, 2020, designating the Series A Preferred Stock and certified by such Secretary of State; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix)&nbsp;&nbsp;&nbsp;&nbsp;an executed copy of a certificate of Steven J. Tsimbinos, Executive Vice President and Secretary of the Company,
dated the date hereof (the &#147;<U>Secretary&#146;s Certificate</U>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;a copy of the Company&#146;s
Certificate of Incorporation, certified by the Secretary of State of the State of Delaware as of April&nbsp;30, 2020, and certified pursuant to the Secretary&#146;s Certificate (the &#147;<U>Certificate of Incorporation</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi)&nbsp;&nbsp;&nbsp;&nbsp;a copy of the Company&#146;s Amended and Restated Bylaws, as amended and in effect as of the date hereof and
certified pursuant to the Secretary&#146;s Certificate (the &#147;<U><FONT STYLE="white-space:nowrap">By-laws</FONT></U>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii)&nbsp;&nbsp;&nbsp;&nbsp;a copy of certain resolutions of the Board of Directors of the Company, adopted on March&nbsp;22, 2020 and
certain resolutions of the Finance Committee thereof, adopted on May&nbsp;1, 2020, certified pursuant to the Secretary&#146;s Certificate. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We have also examined originals or copies, certified or otherwise identified to our satisfaction, of such records of the Company and such
agreements, certificates and receipts of public officials, certificates of officers or other representatives of the Company and others, and such other documents as we have deemed necessary or appropriate as a basis for the opinions stated below,
including the facts and conclusions set forth in the Secretary&#146;s Certificate and the factual representations and warranties contained in the Underwriting Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In our examination, we have assumed the genuineness of all signatures, the legal capacity and competency of all natural persons, the
authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted to us as facsimile, electronic, certified or photocopied copies, and the authenticity of the originals of such copies. As to
any facts relevant to the opinions stated herein that we did not independently establish or verify, we have relied upon statements and representations of officers and other representatives of the Company and others and of public officials, including
the factual representations and warranties set forth in the Underwriting Agreement. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OceanFirst Financial Corp. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 7, 2020 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 3
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We do not express any opinion with respect to the laws of any jurisdiction other than
(i)&nbsp;the laws of the State of New York and (ii)&nbsp;the General Corporation Law of the State of Delaware (the &#147;<U>DGCL</U>&#148;) (all of the foregoing being referred to as &#147;<U>Opined on Law</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">As used herein, &#147;<U>Transaction Documents</U>&#148; means the Underwriting Agreement and the Deposit Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">Based upon the foregoing and subject to the qualifications and assumptions stated herein, we are of the opinion that: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;The Series A Preferred Stock has been duly authorized by all requisite corporate action on the part of the Company
under the DGCL and, when the Preferred Stock Certificate is duly executed and delivered against payment therefor in accordance with the terms of the Underwriting Agreement, the Series A Preferred Stock will be validly issued, fully paid and
nonassessable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;The Depositary Shares, when issued under the Deposit Agreement against deposit of the Series A
Preferred Stock by the Company in accordance with the provisions of the Deposit Agreement and upon payment by the Underwriters in accordance with the Underwriting Agreement, will be duly and validly issued and entitle the registered holder thereof
to the rights specified in such Series A Preferred Stock and in the Deposit Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">The opinions stated herein are subject to the
following qualifications: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;we do not express any opinion with respect to the effect on the opinions stated
herein of any bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer, preference and other similar laws affecting creditors&#146; rights generally, and the opinions stated herein are limited by such laws or governmental orders and
by general principles of equity (regardless of whether enforcement is sought in equity or at law); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;except to
the extent expressly stated in the opinions contained herein, we do not express any opinion with respect to the effect on the opinions stated herein of (i)&nbsp;the compliance or <FONT STYLE="white-space:nowrap">non-compliance</FONT> of any party to
the Transaction Documents with any laws, rules or regulations applicable to such party or (ii)&nbsp;the legal status or legal capacity of any party to the Transaction Documents; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;we do not express any opinion with respect to any law, rule or regulation that is applicable to any party to any of
the Transaction Documents or the transactions contemplated thereby solely because such law, rule or regulation is part of a regulatory regime applicable to any such party or any of its affiliates as a result of the specific assets or business
operations of such party or such affiliates; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OceanFirst Financial Corp. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">May 7, 2020 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 4
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;we have assumed that the certificates evidencing the Series A
Preferred Stock will be manually signed by one of the authorized officers of the transfer agent and registrar for the Series A Preferred Stock and registered by such transfer agent and registrar; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;we have assumed that the receipts evidencing the Depositary Shares will be manually signed by one of the authorized
officers of the Depositary, transfer agent and registrar for the Depositary Shares and registered by such depositary, transfer agent and registrar. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">In addition, in rendering the foregoing opinions we have assumed that at all applicable times: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;neither the execution and delivery by the Company of the Transaction Documents nor the performance by the Company
of its obligations thereunder, including the issuance and sale of the Depositary Shares contemplated thereby: (i)&nbsp;constitutes or will constitute a violation of, or a default under, any lease, indenture, agreement or other instrument to which
the Company or its property is subject (except that we do not make the assumption set forth in this clause (i)&nbsp;with respect to those agreements or instruments expressed to be governed by the laws of the State of New York which are listed in
Part II of the Registration Statement or the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019), (ii) contravenes or will contravene any order or decree of any governmental
authority to which the Company or its property is subject, or (iii)&nbsp;violates or will violate any law, rule or regulation to which the Company or its property is subject (except that we do not make the assumption set forth in clause
(iii)&nbsp;with respect to the Opined on Law); and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;neither the execution and delivery by the Company of the
Transaction Documents nor the performance by the Company of its obligations thereunder, including the issuance and sale of the Depositary Shares, required or will require the consent, approval, licensing or authorization of, or any filing, recording
or registration with, any governmental authority under any law, rule or regulation of any jurisdiction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">We hereby consent to the
reference to our firm under the heading &#147;Legal Matters&#148; in the Preliminary Prospectus and the Prospectus. We also hereby consent to the filing of this opinion with the Commission as an exhibit to the Company&#146;s Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> being filed on the date hereof and incorporated by reference into the Registration Statement. In giving this consent, we do not thereby admit that we are within the category of persons whose consent is required
under Section&nbsp;7 of the Securities Act or the Rules and Regulations. This opinion is expressed as of the date hereof unless otherwise expressly stated, and we disclaim any undertaking to advise you of any subsequent changes in the facts stated
or assumed herein or of any subsequent changes in applicable laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:55%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:55%; text-indent:-2%; font-size:10pt; font-family:Times New Roman"><U>/s/ Skadden, Arps, Slate, Meagher</U><U></U><U>&nbsp;&amp; Flom LLP</U> </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>4
<FILENAME>d792860dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g792860g0506105953831.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="middle">Press Release</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Company Contact: </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Michael J. Fitzpatrick </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Chief Financial Officer
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>OceanFirst Financial Corp. </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.888.623.2633
ext. 7506 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Email: Mfitzpatrick@oceanfirst.com </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>FOR IMMEDIATE RELEASE </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>OCEANFIRST FINANCIAL CORP. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ANNOUNCES PRICING OF DEPOSITARY SHARES OFFERING </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>RED BANK, NEW JERSEY, May</B><B></B><B>&nbsp;4, 2020</B><B>&#133;</B><B>OceanFirst Financial Corp. (NASDAQ: &#147;OCFC&#148;), (the
&#147;Company&#148;)</B>, the holding company for OceanFirst Bank N.A. (the &#147;Bank&#148;), announced today that it has priced a public offering of 2,200,000 depositary shares with a liquidation preference of $25.00 per share (the
&#147;Depositary Shares&#148;), for gross proceeds of $55,000,000 before deducting underwriting discounts and other estimated offering expenses. Each Depositary Share represents a 1/40th interest in a share of the Company&#146;s 7.00% <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Fixed-to-Floating</FONT></FONT> Rate <FONT STYLE="white-space:nowrap">Non-Cumulative</FONT> Perpetual Preferred Stock, Series A. In connection with the offering, the Company has granted the
underwriters an option for 30 days to purchase up to an additional 330,000 Depositary Shares. The Company intends to apply to list the Depositary Shares on The Nasdaq Global Select Market under the symbol &#147;OCFCP.&#148; The offering is subject
to customary closing conditions and is expected to close on or about May&nbsp;7, 2020. On May&nbsp;1, 2020, the Company also completed an offering (the &#147;Notes Offering&#148;) of $125.0&nbsp;million of its 5.25% <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">fixed-to-floating</FONT></FONT> rate subordinated notes due 2030. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company intends to use the net proceeds
from this offering and the Notes Offering for general corporate purposes, which may include providing capital to support its organic growth or growth through strategic acquisitions, repaying indebtedness, financing investments, capital expenditures,
repurchasing shares of its common stock and for investments in the Bank as regulatory capital. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co. and Raymond
James&nbsp;&amp; Associates, Inc. are acting as joint book-running managers for the offering. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This offering is being made only by means
of a prospectus supplement and accompanying base prospectus. The Company has filed a registration statement (File <FONT STYLE="white-space:nowrap">No.&nbsp;333-237356)</FONT> and a preliminary prospectus supplement to the base prospectus contained
in the registration statement with the U.S. Securities and Exchange Commission (the &#147;SEC&#148;) for the Depositary Shares to which this communication relates and will file a final prospectus supplement relating to the Depositary Shares.
Prospective investors should read the prospectus supplement and base prospectus in the registration statement and other documents the Company has filed or will file with the SEC for more complete information about the Company and the offering. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Copies of the final prospectus relating to the Depositary Shares offering, when available, can be obtained for free by visiting EDGAR on the
SEC&#146;s website at http://www.sec.gov or by contacting Piper Sandler&nbsp;&amp; Co. by email at <FONT STYLE="white-space:nowrap">fsg-dcm@psc.com</FONT> or Raymond James&nbsp;&amp; Associates, Inc. by telephone at (800) <FONT
STYLE="white-space:nowrap">248-8863</FONT> or by email at prospectus@raymondjames.com. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>About the Company </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">OceanFirst Financial Corp&#146;s subsidiary, OceanFirst Bank N.A., founded in 1902, is a $10.5&nbsp;billion regional bank operating throughout
New Jersey, metropolitan Philadelphia and metropolitan New York City. OceanFirst Bank delivers commercial and residential financing solutions, trust and asset management and deposit services and is one of the largest and oldest community-based
financial institutions headquartered in New Jersey. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Disclaimer About This Release </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This press release shall not constitute an offer to sell or a solicitation of an offer to buy the Depositary Shares, nor shall there be any
sale of the Depositary Shares in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. Any offering of the
Depositary Shares is being made only by means of a written prospectus meeting the requirements of Section&nbsp;10 of the Securities Act of 1933, as amended. The Depositary Shares being offered have not been approved or disapproved by any regulatory
authority, nor has any such authority passed upon the accuracy or adequacy of either prospectus supplement or the shelf registration statement or prospectus relating thereto. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Forward-Looking Statements </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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 &#147;believe,&#148; &#147;expect,&#148; &#147;intend,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;project,&#148;
&#147;will,&#148; &#147;should,&#148; &#147;may,&#148; &#147;view,&#148; &#147;opportunity,&#148; &#147;potential,&#148; or similar expressions or expressions of confidence. The Company&#146;s ability to predict results or the actual effect of
future plans or strategies, including the completion of the offering of the Notes and the use of proceeds described herein, 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 Bank&#146;s lending area, real estate market values in the Bank&#146;s 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. Treasury and the Board of
Governors of the Federal Reserve System, the quality or composition of the loan or investment portfolios, demand for loan products, deposit flows, competition, demand for financial services in the Company&#146;s market area, accounting principles
and guidelines, the Bank&#146;s ability to successfully integrate acquired operations and the impact of <FONT STYLE="white-space:nowrap">COVID-19.</FONT> These risks and uncertainties are further discussed in the Company&#146;s Annual Report on Form
<FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019, under Item 1A - Risk Factors and elsewhere, and subsequent securities filings and should be considered in evaluating forward-looking statements and undue
reliance should not be placed on such statements. The Company does not undertake, and specifically disclaims any obligation, to publicly release the result of any revisions which may be made to any forward-looking statements to reflect events or
circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>5
<FILENAME>ocfc-20200501.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 5/8/2020 12:18:53 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:ocfc="http://www.oceanfirstonline.com/20200501"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.oceanfirstonline.com/20200501"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ocfc-20200501_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ocfc-20200501_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>ocfc-20200501_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 5/8/2020 12:18:54 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Current Fiscal Year End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Current Fiscal Year End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>ocfc-20200501_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 5/8/2020 12:18:54 AM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="ocfc-20200501.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="22.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_AmendmentFlag" order="23.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="24.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" xlink:label="dei_CurrentFiscalYearEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CurrentFiscalYearEndDate" order="25.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="32.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="34.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="35.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="36.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="37.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="38.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="39.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="40.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="41.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="42.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="43.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SecurityExchangeName" order="44.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="45.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g792860g0506105953831.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g792860g0506105953831.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  U -D# 2(  A$! Q$!_\0
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' %%%% '_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>9
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "d792860d8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "d792860d8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "ocfc-20200501_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-doc-2019-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "ocfc-20200501_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2019/dei-ref-2019-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "ocfc-20200501.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd"
     ]
    }
   },
   "elementCount": 24,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2019-01-31": 4,
    "total": 4
   },
   "keyCustom": 0,
   "keyStandard": 95,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "ocfc",
   "nsuri": "http://www.oceanfirstonline.com/20200501",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d792860d8k.htm",
      "contextRef": "duration_2020-05-01_to_2020-05-01",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "p",
       "div",
       "body",
       "html"
      ],
      "baseRef": "d792860d8k.htm",
      "contextRef": "duration_2020-05-01_to_2020-05-01",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]",
        "terseLabel": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_CurrentFiscalYearEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "End date of current fiscal year in the format --MM-DD.",
        "label": "Current Fiscal Year End Date",
        "terseLabel": "Current Fiscal Year End Date"
       }
      }
     },
     "localname": "CurrentFiscalYearEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "gMonthDayItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "terseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "terseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security 12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-US": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2019-01-31",
     "presentation": [
      "http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>12
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MMWF\81AU8\K(XK%T-8943OTJDH\ Q:X831F:3LTXXFBD(3^ G/,6+V2?$9/
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M^L/O)NR\L0?[CXVO@K*%7W<AOP!02P,$%     @ M8*G4)E<G",0!@  G"<
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M.AQG0GS/]O:1I24RS^_Y"NM./&<?5I:P7<_/Y)Z,<B.[W?98??9/1VXCUZG
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M7H(PK8>_R43]-<#JUV5?4$L#!!0    ( +6"IU +C]@#(0$  %<$   3
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M+G)E;'-02P$"% ,4    " "U@J=0)^B'#H(   "Q    $
M@ 'I    9&]C4')O<',O87!P+GAM;%!+ 0(4 Q0    ( +6"IU!T&B>R[P
M "L"   1              "  9D!  !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4
M Q0    ( +6"IU"97)PC$ 8  )PG   3              "  ;<"  !X;"]T
M:&5M92]T:&5M93$N>&UL4$L! A0#%     @ M8*G4/\5'ZFF @  ^0L  !@
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9>&UL4$L%!@     *  H @ (  # 4      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>d792860d8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="ocfc-20200501.xsd" xlink:type="simple"/>
    <context id="duration_2020-05-01_to_2020-05-01">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001004702</identifier>
        </entity>
        <period>
            <startDate>2020-05-01</startDate>
            <endDate>2020-05-01</endDate>
        </period>
    </context>
    <dei:EntityRegistrantName
      contextRef="duration_2020-05-01_to_2020-05-01"
      id="Hidden_dei_EntityRegistrantName">OCEANFIRST FINANCIAL CORP</dei:EntityRegistrantName>
    <dei:AmendmentFlag contextRef="duration_2020-05-01_to_2020-05-01">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="duration_2020-05-01_to_2020-05-01"
      id="Hidden_dei_EntityCentralIndexKey">0001004702</dei:EntityCentralIndexKey>
    <dei:CurrentFiscalYearEndDate
      contextRef="duration_2020-05-01_to_2020-05-01"
      id="Hidden_dei_CurrentFiscalYearEndDate_duration_2020-05-01_to_2020-05-01">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentType contextRef="duration_2020-05-01_to_2020-05-01">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="duration_2020-05-01_to_2020-05-01">2020-05-01</dei:DocumentPeriodEndDate>
    <dei:EntityIncorporationStateCountryCode contextRef="duration_2020-05-01_to_2020-05-01">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="duration_2020-05-01_to_2020-05-01">001-11713</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="duration_2020-05-01_to_2020-05-01">22-3412577</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="duration_2020-05-01_to_2020-05-01">110 West Front Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="duration_2020-05-01_to_2020-05-01">Red Bank</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="duration_2020-05-01_to_2020-05-01">NJ</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="duration_2020-05-01_to_2020-05-01">07701</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="duration_2020-05-01_to_2020-05-01">(732)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="duration_2020-05-01_to_2020-05-01">240-4500</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="duration_2020-05-01_to_2020-05-01">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="duration_2020-05-01_to_2020-05-01">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="duration_2020-05-01_to_2020-05-01">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="duration_2020-05-01_to_2020-05-01">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="duration_2020-05-01_to_2020-05-01">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="duration_2020-05-01_to_2020-05-01">OCFC</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="duration_2020-05-01_to_2020-05-01">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany contextRef="duration_2020-05-01_to_2020-05-01">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>95</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="d792860d8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.oceanfirstonline.com//20200501/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="d792860d8k.htm">d792860d8k.htm</File>
    <File>d792860dex11.htm</File>
    <File>d792860dex51.htm</File>
    <File>d792860dex991.htm</File>
    <File>ocfc-20200501.xsd</File>
    <File>ocfc-20200501_lab.xml</File>
    <File>ocfc-20200501_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2019-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>15
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6628481248">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>May 01, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">OCEANFIRST FINANCIAL CORP<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001004702<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May  01,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-11713<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">22-3412577<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">110 West Front Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Red Bank<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NJ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">07701<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(732)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">240-4500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OCFC<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001193125-20-136303-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001193125-20-136303-xbrl.zip
M4$L#!!0    ( +6"IU#8K/6I\1X  *31   .    9#<Y,C@V,&0X:RYH=&WM
M/6M3(T>2WR_B_D.%[-V "+TE!A ,&QH&;+PSP &^]=X71ZF[))6GU=U;W8TD
M__K+S*I^JB4DF $&RQ%F)'4]LK+R75G9Q_^831QV+U0@/?=]I55O5IAP+<^6
M[NA])0J'M8,*^\?)?__7\3B$AM#8#7JVD.\KXS#T>XW&;*"<>B"L^LB[;\"#
M1KO9.JPU6[5.JV*:1T$MG/LB2/H,>3"H>VK4B)^4='(]UXTF29?I=%JGJ;";
M':H&]FM HQJT$DI:<;^9(]TON6[3#G5J'1X>-NAIW'2A93)!N]GL-/#Q@ <B
M;NY90RO7W+,$=X=2!:'G0F-1M[P)=(7.>\UD';- ED$#C5J-WSY_NK7&8L)K
MT@U"[EK)7%&HED)VV("G<4,9>-UV:W_%,DR+I,-L6=L6M*5U_/;AYE/:/"QO
MGS9MA(J[P=!3$QX"$>%(>[5FN]9^EQFD!B22&R@FF8?&.<C01""M<KJ#!]B\
ME2<A;")78:: ='QJ%RC;-'[7T ]-T^7TA5Q2(781W,9_0QDZXN0<5L4.:O\\
M;NCO\& B0LYPF)KX3R3OWU=./3<4;EB[ \JN,$M_>U\)Q2QLT+"L@?T:9F3&
MV/' L^?X\=B6]RP(YXYX7[%EX#M\C@PD*B?L6,YZV$,H\UG:MG#U9VARJ;F'
M2?M]Y6=Z]#LP\>]G+L YOQ$C&>"NA)=\ C"Y\!<F$+)7_IQ@GH4W8@BM(D7;
M^#LR1*T).]GZ/?0RWRHG5Z=G_<OSBYO;.W9^<=F_/+WH?V*G5S?7QXT<< O
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M?=",(*?0PQQX,S80CC=%7./#.%N.#:6#K" #X(M0N#;L0>C!-DPB)^2N\*+
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M,?FQK\5]0(=#.8213T43\+ZX\6,\->)X3.< &CR,!R@O&HT9^BPA^"X6.!3
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M]W4@'"F&6+C0X?C=HV(Z&'_#@X8@TD6IZ*;:,,)70>B".O2#+Q253,>S@;C
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MJB[/UUGFJI8/^;7.1J-5<>X5'""\ISF_Q*!DK. F5#';D(3-"1&Z2S;7+[$
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M5D27XU;.-_,F:A'7=NH.[1GDW%B%^ICO:#N>)G7,+8,4A-:_ VLEZ.2W6[]
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M9LV);2N2]^\?I <'!\G0#"YYOMB4D,&RGN=)Y',MX<\_81*OD:94]P_ ,[R
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MZB91,F81P<NQ@;PL?G?<@R^]G(ER'5,$=OSJMLB79>,;16T:L>9@D7-A^H!
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M>!FV'JS(DKK(BB4&-C#/5M&@28G$!N(S# 2D.<OU0NM]DZ(2;!EJD-YC)+7
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M;KN/Q/JI%LY@69GPG(PZX3"([PO-&L4_$&R $_U=!X$\KF&U-%;.-_<"DIF
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M8"Z-T4O .\&/#"KICFFP_V3<Q^I$_\PYEL)!O+NET!6_V=CKG-V@Q5)+OSG
M3\9CF2^X9%S("\-Z5,>FA!??*5=P2E0]+,W2KY%RXR_JM9NXMKS]2O.P\TX
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M9HC_(+4$"'!TQAD0"&\2QT($((K.V&PGT%@[I<BIC'4(36ZF06B_9)9N]S8
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M]]><ITIV"2E)%T0+^D"TG6Z85A%38&D>?-V4+49L+'+,BU+*FQML\\$P;KI
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M@J=0@7K+4),1  #B30  $    &0W.3(X-C!D97@U,2YH=&WM7.EO&S<6_RY
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M'*OI5+"??MA\^APE=:1F"8\7R&9\]N+5DP&3,0R(8Q'0^U<RG3(<DV2C2 8
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M%25K[CN7 <$J("MZ:F<Z4!(M"9I$F8-FQDA0R+Y$3XJ0!U\NA_! 6R&#,6Q
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M !               ( !'1\  &0W.3(X-C!D97@Q,2YH=&U02P$"% ,4
M" "U@J=0@7K+4),1  #B30  $               @ 'SI@  9#<Y,C@V,&1E
M>#4Q+FAT;5!+ 0(4 Q0    ( +6"IU"=HRIFK0X  ,$I   1
M  "  ;2X  !D-SDR.#8P9&5X.3DQ+FAT;5!+ 0(4 Q0    ( +6"IU")Q/&P
M9P,  #X,   1              "  9#'  !O8V9C+3(P,C P-3 Q+GAS9%!+
M 0(4 Q0    ( +6"IU#Z[>3-E@8  #M'   5              "  2;+  !O
M8V9C+3(P,C P-3 Q7VQA8BYX;6Q02P$"% ,4    " "U@J=0"-2*F-P$  #<
M+   %0              @ 'OT0  ;V-F8RTR,#(P,#4P,5]P<F4N>&UL4$L%
3!@     '  < O $  /[6      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
