Dime Community Bancshares Investor Presentation — April 2022

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1Q22 Earnings Conference Call

April 27, 2022Safe Harbor Statement

2“Safe Harbor” Statement under thePrivate Securities Litigation Reform Actof1995 :Statements

inthisPresentation relating toplans, strategies, economic performance andtrends, projections

ofresults ofspecific activities orinvestments andother statements thatarenotdescriptions of

historical facts may beforward -looking statements within themeaning ofthePrivate Securities

Litigation Reform Actof1995 ,Section 27AoftheSecurities Actof1933 andSection 21Eofthe

Securities Exchange Actof1934 .Forward -looking information isinherently subject torisks and

uncertainties, andactual results could differ materially from those currently anticipated duetoa

number offactors, which include, butarenotlimited to,riskfactors discussed intheCompany’s

Annual Report onForm 10-Kforthefiscal year ended December 31,2021 and inother

documents filed bytheCompany with theSecurities and Exchange Commission from time to

time.Forward -looking statements may beidentified byterms such as“may”, “will”, “should”,

“could”, “expects”, “plans”, “intends”, “anticipates”, “believes”, “estimates”, “predicts”, “forecasts”,

“goals”, “potential” or“continue” orsimilar terms orthenegative ofthese terms .Although we

believe that theexpectations reflected intheforward -looking statements arereasonable, we

cannot guarantee future results, levels ofactivity, performance orachievements .TheCompany

hasnoobligation toupdate these forward -looking statements .3 41 2 Improve and Grow Funding Mix Generate Appropriately Priced Loan Growth

Record low cost of deposits at 0.21% and cost of funds at