A. Catherine Ngo adopts pre-arranged stock trading plan under Rule 10b5-1

CENTRAL PACIFIC FINANCIAL CORP

Executive Vice Chair and Director A. Catherine Ngo entered a 10b5-1 Plan on March 14, 2022.
Plan allows for open-market sales over time as part of her personal financial and tax planning.
Sales will not reduce her stock ownership below required executive stock ownership guidelines.
Transactions will be disclosed via Form 4/144 filings; company not obligated to report further.
Plan adopted during open trading window and complies with company's Stock Trading Policy.

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