CVB Financial Investor Relations Material

CVB Financial Corp. operates as the holding company for Citizens Business Bank, which provides traditional banking products and services to small to mid-sized businesses and individuals in Southern California. It offers several checking, savings, and time accounts; money market accounts; individual retirement accounts; and certificates of deposit, as well as Internet banking services. The company also provides lending products and services, including commercial management loans and secured lines of credit; commercial real estate loans; residential mortgage loans; single family owner occupied 1-4 dwelling first trust deed mortgage loans; construction/development loans; home equity lines of credit, installment loans, and car loans; commercial credit card program; treasury management services; and mobile banking services. In addition, it engages in investment securities trading activities; investing activities in various real estate properties; leasing specific principal-protected notes or other structured notes to institutional customers on a wholesale basis through dealers rated A or better by Standard & Poor's or Moody's Investors Service. CVB Financial Corp. primarily serves small to mid-sized businesses located in San Bernardino, Los Angeles, Riverside, Orange County, San Diego County, Kern County, and Ventura counties in California.