Forward-Looking Statements

(These statements apply to Central Pacific Financial Corp. and all of its respective subsidiaries and affiliates, to include, without limitation, Central Pacific Bank, all of which are collectively referred to herein as the "company.")

This document may contain forward-looking statements concerning projections of revenues, income, expenses, earnings per share, capital expenditures, dividends, capital structure, or other financial items or matters, concerning future economic performance, concerning merger-related synergies or matters, concerning growth, concerning company operations, activities, initiatives, projects, products and services, or concerning any of the assumptions underlying or relating to any of the foregoing. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts, and generally include the words "believes," "plans," "intends," "expects," "estimates," "hopes," "envisions," "targets," "goals," "projects," "anticipates," "strives" or words of similar meaning or expression. While we believe that our forward-looking statements and the assumptions underlying them are reasonably based, such statements and assumptions, are by their nature subject to risks and uncertainties, and thus could later prove to be inaccurate or incorrect. Accordingly, actual results could materially differ from projections for a variety of reasons, to include, but not limited to: the impact of local, national, and international economies and events on the company's business and operations and on tourism, the military, the real estate market and industry, and other major industries operating within the Hawaii market and other regional markets in which the company conducts its business; the impact of legislation and regulation affecting the banking and financial services industry; the impact of competitive products, services, pricing, and other competitive forces within the banking and financial services industry; movements in interest rates; loan delinquency rates; and trading of Central Pacific Financial Corp. common stock. For further information on factors which could cause actual results to materially differ from projections, please see Central Pacific Financial Corp.'s publicly available Securities and Exchange Commission filings, including its most recent Form 10-K. The company does not update any of its forward-looking statements.

For more information about Central Pacific Bank services and products, contact us at:

P.O. Box 3590
Honolulu, HI 96811-3590

Customer Service Center:
(808) 544-0500 (Oahu)
1-800-342-8422

Visit any of our 39 branches statewide, including four supermarket branches, and more than 90 ATMs.

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