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FACTS

WHAT DOES CENTRAL PACIFIC FINANCIAL CORPORATION DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and transaction history Payment history and overdraft history
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Central Pacific Financial Corp. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Central Pacific Financial Corp. share?	Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	Yes
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don't share
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	Yes

To limit our sharing	Call (808) 544-0500 or toll-free 1-800-342-8422. Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call (808) 544-0500 or toll-free 1-800-342-8422.

Who we are
Who is providing this notice?	Central Pacific Financial Corporation, Central Pacific Bank, Pacific Access Mortgage, LLC, and Gentry Homeloans, LLC

What we do
How does Central Pacific Financial Corp. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to your personal information to those employees who need to know that information to provide services to you.
How does Central Pacific Financial Corp. collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan give us your contact information or pay your bills show your government-issued ID We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Central Pacific Financial Corporation name; financial companies such as Central Pacific Bank; and nonfinancial companies, such as Gentry HomeLoans, LLC, and Pacific Access Mortgage, LLC.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include insurance companies and direct marketing companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card and financial services companies.

Other Important Information

Special notice to residents of California
The following section supplements our Privacy Notice with respect to our consumer customers who have a California address and supersedes any information to the contrary in our Privacy Notice with respect to those California customers:
Pursuant to the California Financial Information Privacy Act (the “Act”), if your consumer account has a California address, your personal information will not be disclosed to nonaffiliated third parties except as permitted by the Act, and we will limit the sharing of your personal information with our affiliates to comply with the requirements of the Act.