Central Pacific Financial Results Presentation Deck

[ SPECIAL LOAN PROGRAMS SBA PAYCHECK PROTECTION PROGRAM (PPP) As of 4/16/20: Total approved by SBA: 4,215 / $487MM Total funded: 88 loans / $12.5MM Average loan size: $0.1MM ● Central Pacific is also participating in the SBA Disaster LSBA and EIDL loan programs. EMPLOYMENT DISRUPTION LOAN PROGRAM Offered to furloughed or unemployed existing customers in amounts between $1,000-8,000, for 1-2 year terms. As of 4/16/20: Total applications: 85 / $0.5MM Total approved: 16 /$0.1MM DE CENTRAL PACIFIC FINANCIAL CORP 6

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