CVB FINANCIAL CORP

GENERAL

Cautionary Note Regarding Forward-Looking Statements

Certain statements set forth herein constitute forward-looking statements within the meaning of the Private Securities

Litigation Reform Act of 1995. Words such as “will likely result”, “aims”, “anticipates”, “believes”, “could”, “estimates”,

“expects”, “hopes”, “intends”, “may”, “plans”, “projects”, “seeks”, “should”, “will,” “strategy”, “possibility”, and variations

of these words and similar expressions help to identify these forward-looking statements, which involve risks and uncertainties that

could cause actual results or performance to differ materially from those projected. These forward-looking statements are based on

management’s current expectations and beliefs concerning future developments and their potential effects on the Company,

including, without limitation, plans, strategies, goals and statements about the Company’s outlook regarding revenue and asset

growth, financial performance and profitability, capital and liquidity levels, loan and deposit growth and retention, yields and

returns, loan diversification and credit management, stockholder value creation, tax rates, the impact of business, economic, or political developments, the impact of monetary, fiscal and trade policies, and the impact of acquisitions we have made or may make. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond the control of the

Company, and there can be no assurance that future developments affecting the Company will be the same as those anticipated by

management. The Company cautions readers that a number of important factors in addition to those set forth below could cause

actual results to differ materially from those expressed in, or implied or projected by, such forward-looking statements.

General risks and uncertainties include, but are not limited to, the following: the strength of the United States economy and the strength of the local economies in which we conduct business; the effects of, and changes in, immigration, trade,

tariff, monetary, and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve

System; inflation/deflation, interest rate, market, and monetary fluctuations; the effect of acquisitions we have made or may make,

including, without limitation, the failure to obtain the necessary regulatory approvals, the failure to achieve the expected revenue

growth and/or expense savings from such acquisitions, and/or the failure to effectively integrate an acquisition target, key

personnel and customers into our operations; the timely development of competitive new products and services, and the acceptance

of these products and services by potential and existing customers; the impact of changes in financial services policies, laws, and

regulations, including those concerning banking, taxes, securities, and insurance, and the application thereof by regulatory agencies; the effectiveness of our risk management framework and quantitative models; changes in the levels of our nonperforming assets and charge-offs; the effect of changes in accounting policies and practices or accounting standards, as may be adopted from time-to-time by bank regulatory agencies, the U.S. Securities and Exchange Commission (“SEC”), the Public Company Accounting

Oversight Board, the Financial Accounting Standards Board or other accounting standards setters; possible credit related

impairments or declines in the fair value of loans and securities held by us; possible impairment charges to goodwill, including any

impairment that may result from increased volatility in our stock price; changes in consumer or business spending, borrowing, and savings

habits; the effects of our lack of a diversified loan portfolio, including the risks of geographic and industry concentrations; periodic

fluctuations in commercial or residential real estate prices or values; our ability to attract and retain deposits (including low cost

deposits) or to access government or private lending facilities and other sources of liquidity; the possibility that we may reduce or

discontinue the payments of dividends on our common stock; changes in the financial performance and/or condition of our

borrowers or depositors; changes in the competitive environment among financial and bank holding companies and other financial service

providers; technological changes in banking and financial services; systemic or non-systemic bank failures or crises; geopolitical

conditions, including acts or threats of terrorism, actions taken by the United States or other governments in response to acts or

threats of terrorism, and/or military conflicts, which could impact business and economic conditions in the United States and

abroad; catastrophic events or natural disasters, including earthquakes, drought, climate change or extreme weather events that

may affect our assets, communications or computer services, customers, employees or third party vendors; public health crises and

pandemics, and their effects on our asset credit quality, business operations, and employees, as well as the impact on general

economic and financial market conditions; cybersecurity threats and fraud and the cost of defending against them, including the

costs of compliance with legislation or regulations to combat cybersecurity threats and fraud; our ability to recruit and retain key

executives, board members and other employees, and our compliance with federal, state and local employment laws and

regulations; ongoing or unanticipated regulatory or legal proceedings or outcomes; and our ability to manage the risks involved in

the foregoing.

Additional factors that could cause actual results to differ materially from those expressed in the forward-looking statements are discussed in the Company's 2024 Annual Report on Form 10-K filed with the SEC and available at the SEC’s Internet site (http://www.sec.gov).

The Company does not undertake, and specifically disclaims any obligation, to update any forward-looking statements to

reflect occurrences or unanticipated events or circumstances after the date of such statements, except as required by law. Any

statements about future operating results, such as those concerning accretion and dilution to the Company’s earnings, equity or

shareholder returns, are for illustrative purposes only, are not forecasts, and actual results may differ.