Central Pacific Financial Results Presentation Deck

[ CONSUMER LOAN PORTFOLIO Auto $289/ 52% Outstanding Balance as of 3/31/20 $ in Millions Personal Loans & Lines $271 / 48% Loan Portfolio Details Auto ✓ Hawaii $218MM ✓ Mainland $71MM Personal Loans & Lines ● ● ✓ Hawaii $150MM ✓ Mainland $121MM • Hawaii Consumer ● ✓ WA FICO 737 ● • Mainland Consumer ✓ WA FICO 758 $560MM (Does not reflect an additional $96MM of undrawn commitments) DO CENTRAL PACIFIC FINANCIAL CORP 11

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