CVB Financial Corp. (CVB) is a bank holding company of Citizens Business Bank (the Bank). The Company’s primary operations are related to traditional banking activities, including the acceptance of deposits and the lending and investing of money through the operations of the Bank. The Bank also provides automobile and equipment leasing, and brokers mortgage loans to customers through its Citizens Financial Services Division and trust services to customers through its CitizensTrust Division. The Bank’s customers consist primarily of small to mid-sized businesses and individuals located in San Bernardino County, Riverside County, Orange County, Madera County, Fresno County, Tulare County, Kern County, San Joaquin County and Los Angeles County. As of December 31, 2008, the Company had 43 Business Financial Centers. The bank has two segments: Business Financial and Commercial Banking Centers and Treasury Department.