Community Financial System, Inc.

OceanFirst Bank

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The Start of the Financial Journey When we first opened our doors as the Point Pleasant Building and Loan Association in 1902, we had one simple goal: to help our neighbors achieve their dream of owning a home. Our commitment to you hasn't changed since then. Here are some highlights over time: - Founded to help people own their homes and build families, we've stayed true to who we are while expanding our services and reach. - In 1996, OceanFirst became the first bank to create a foundation during its mutual-to-stock conversion, marking a milestone in our commitment to the community. - Our IPO in 1996 set the stage for significant growth, allowing us to gradually extend our services to 40 locations. - Over the years, we've welcomed new members to the OceanFirst family, like Colonial American Bank, Cape Bank, Ocean City Home Bank, and more. -We continuously enhance our digital services and solutions while maintaining a personal touch. Why Work with OceanFirst? You come first at OceanFirst, and our approach never loses sight of the community values that have guided us since Day 1. What defines the OceanFirst difference: - Team members who’ve gone through the same financial milestones as you have. - A growth-oriented approach that never loses sight of our community bank values. - Customer-centric services designed around your life, not just your finances. - Innovative, convenient, secure banking solutions that simplify your experience. - A dedicated team of local professionals who areas invested in your community's success as you are. OceanFirst Bank is an Equal Housing Lender and Member FDIC.

ESL Federal Credit Union

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With more than 100 years of locally owned history, ESL Federal Credit Union serves as a full-service financial institution to more than 465,000 members and more than 18,700 businesses. The company provides personal, business banking, mortgage services and wealth management services through its locally-based 33 branch network, telephone, mobile, online and live chat center. The Rochester - based financial institution employs more than 1000 people in the Greater Rochester and Finger Lakes region, and holds more than $10 billion in assets. Since 1996, ESL has paid out 30 consecutive Owners’ Dividends to its members totaling more than $350 million. Since the creation of its Community Impact initiative in 2018, ESL has reinvested more than $173 million in grants throughout the community. ESL Federal Credit Union is headquartered at 225 Chestnut Street, in Rochester, New York and can be found online at www.esl.org. As an employer, ESL hosts a workplace that appreciates the uniqueness in each employee. A workplace that seeks out employees from different backgrounds and cultures, skills and experiences because it values the variety of perspectives and ideas a richly diverse workforce can bring. The company has appeared on Great Place to Work® lists since 2010.