Investor Presentaiton

Residential Mortgage Strength in Hawaii $1.2 Billion in total production in 2020; $1.1 Billion total production in 2021 YTD through November #1 lender in Hawaii in total purchase mortgage volume in 2021 YTD through October Lead partner with developers on many large condominium developments Unique mortgage broker joint-venture model provides significant cross-sale opportunities Central Pacific Financial Corp. 14 14

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