<SUBMISSION>
<ACCESSION-NUMBER>0000950129-05-003471
<TYPE>DEF 14A
<PUBLIC-DOCUMENT-COUNT>4
<PERIOD>20050518
<FILING-DATE>20050407
<DATE-OF-FILING-DATE-CHANGE>20050407
<EFFECTIVENESS-DATE>20050407
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>CVB FINANCIAL CORP
<CIK>0000354647
<ASSIGNED-SIC>6022
<IRS-NUMBER>953629339
<STATE-OF-INCORPORATION>CA
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>DEF 14A
<ACT>34
<FILE-NUMBER>000-10140
<FILM-NUMBER>05739799
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>701 N HAVEN AVE STE 350
<CITY>ONTARIO
<STATE>CA
<ZIP>91764
<PHONE>9099804030
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>701 N HAVEN AVENUE
<CITY>ONTARIO
<STATE>CA
<ZIP>91764
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>v07420def14a.htm
<DESCRIPTION>CVB FINANCIAL CORP.
<TEXT>
<HTML>
<HEAD>
<TITLE>def14a</TITLE>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="2"><B>SCHEDULE 14A INFORMATION</B></FONT>

<P align="center"><FONT size="2"><B>PROXY STATEMENT PURSUANT TO SECTION 14(a) OF THE<BR>
SECURITIES EXCHANGE ACT OF 1934</B></FONT>

<P align="center"><FONT size="2"><B>(AMENDMENT NO.___)</B></FONT>

<P><FONT size="2">Filed by the Registrant <FONT face="Wingdings">&#254;</FONT>
</FONT>
<P><FONT size="2">Filed by a Party other than the Registrant
<FONT face="Wingdings">o</FONT>
</FONT>
<P><FONT size="2">Check the appropriate box:
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="2%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="95%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Preliminary Proxy Statement</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">&#254;</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Definitive Proxy Statement</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Confidential, for Use of the Commission Only (as permitted by Rule&nbsp;14a-6(e)(2))</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Definitive Additional Materials</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
Soliciting Material Pursuant to sec. 240.14a-11(c) or sec. 240.14a-12</FONT></TD>
</TR>
</TABLE>
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<P>&nbsp;</P>
<P>


<P align="center"><FONT size="4"><B>CVB Financial Corp.</B></FONT>
<HR size="1" noshade>
<DIV align="center"><FONT size="2"><B>(Name of Registrant as Specified In Its Charter)</B></FONT></DIV>

<BR CLEAR="all">
<P align="center"><FONT size="3"><B>&nbsp;</B></FONT>
<HR size="1" noshade>
<DIV align="center"><FONT size="2"><B>(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</B></FONT></DIV>

<P><FONT size="2">Payment of Filing Fee (Check the appropriate box):
</FONT>
<CENTER>
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
        <TD width="1%">&nbsp;</TD>
        <TD width="1%">&nbsp;</TD>
        <TD width="3%">&nbsp;</TD>
        <TD width="2%">&nbsp;</TD>
        <TD width="93%">&nbsp;</TD>
</TR>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">&#254;</FONT></FONT></TD>
        <TD align="left" valign="top" colspan="4"><FONT size="2">&nbsp;&nbsp;Fee not required.</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>

<TD align="left" valign="top" colspan="4"><FONT size="2">&nbsp;&nbsp;Fee computed on table below per Exchange Act Rules&nbsp;14a-6(i)(1) and 0-11.</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(1)
</FONT></TD>
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top" colspan="2"><FONT size="2">Title of each class of securities to which transaction applies:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(2)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Aggregate number of securities to which transaction applies:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(3)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Per unit price or other underlying value of transaction
computed pursuant to Exchange Act Rule&nbsp;0-11 (set forth the
amount on which the filing fee is calculated and state how it
was determined):<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(4)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Proposed maximum aggregate value of transaction:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(5)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Total fee paid:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top" colspan="3"><FONT size="2">Fee paid previously with preliminary materials.</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2"><FONT face="Wingdings">o</FONT></FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top" colspan="3"><FONT size="2">Check box if any part of the fee is offset as provided by Exchange Act Rule&nbsp;0-11(a)(2) and identify the
filing for which the offsetting fee was paid previously. Identify the previous filing by registration
statement number, or the Form or Schedule and the date of its filing.</FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(1)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Amount Previously Paid:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(2)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Form, Schedule or Registration Statement No.:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(3)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Filing Party:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
<TR><TD><TR><TD><TR><TD><TR><TD>
<TR valign="bottom">
        <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">
(4)
</FONT></TD>
        <TD><FONT size="2">&nbsp;</FONT></TD>
        <TD align="left" valign="top"><FONT size="2">Date Filed:<BR><BR>
        <HR size="1" noshade></FONT></TD>
</TR>
</TABLE>
</CENTER>

<P align="center"><FONT size="2"></FONT>



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<DIV style="font-family: 'Times New Roman',Times,serif">

<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
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	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">INFORMATION ABOUT THE ANNUAL MEETING AND VOTING</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001"> STOCK OWNERSHIP</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">CORPORATE GOVERNANCE PRINCIPLES AND BOARD MATTERS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003"> DISCUSSION OF PROPOSALS RECOMMENDED BY THE BOARD</A></TD></TR>
<TR><TD colspan="9"><A HREF="#004"> PROPOSAL 1</A></TD></TR>
<TR><TD colspan="9"><A HREF="#005"> EXECUTIVE COMPENSATION</A></TD></TR>
<TR><TD colspan="9"><A HREF="#006">SUMMARY COMPENSATION TABLE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#007">REPORT OF THE COMPENSATION COMMITTEE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#008">COMPARE 5-YEAR CUMULATIVE TOTAL RETURN</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">COMPARISON OF FIVE YEAR CUMULATIVE TOTAL RETURN</A></TD></TR>
<TR><TD colspan="9"><A HREF="#010">THE BOARD RECOMMENDS A VOTE &#147;FOR&#148; ALL SEVEN NOMINEES FOR DIRECTOR</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">PROPOSAL 2</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012"> THE BOARD RECOMMENDS THAT YOU VOTE &#147;FOR&#148; APPROVAL OF THE CVB FINANCIAL CORP. 2005 EXECUTIVE INCENTIVE PLAN</A></TD></TR>
<TR><TD colspan="9"><A HREF="#013">PROPOSAL 3</A></TD></TR>
<TR><TD colspan="9"><A HREF="#014"> THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148; THE RATIFICATION OF THE SELECTION OF MCGLADREY &#038; PULLEN, LLP AS THE COMPANY&#146;S INDEPENDENT REGISTERED PUBLIC ACCOUNTANTS FOR 2005</A></TD></TR>
<TR><TD colspan="9"><A HREF="#015">ANNUAL REPORT</A></TD></TR>
<TR><TD colspan="9"><A HREF="#016">PROPOSALS OF SHAREHOLDERS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#017">ANNEX A</A></TD></TR>
</TABLE>
</CENTER>
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>



<P align="center" style="font-size: 10pt"><B>CVB FINANCIAL CORP.<BR>
NOTICE OF 2005 ANNUAL MEETING OF SHAREHOLDERS<BR>
TO BE HELD MAY 18, 2005</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;TO OUR SHAREHOLDERS:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The 2005 Annual Meeting of Shareholders of CVB Financial Corp. will be held at the Ontario
Convention Center, 2000 Convention Center Way, Ontario, California 91764 on Wednesday, May&nbsp;18, 2005
at 7:00 p.m. local time.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At our meeting, we will ask you to act on the following matters:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.&nbsp;Election of Directors. </B>Elect seven persons to the Board of Directors to serve for a term
of one year. The following seven persons are the nominees:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="25%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">George A. Borba
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">James C. Seley
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John A. Borba
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">San E. Vaccaro</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Ronald O. Kruse
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">D. Linn Wiley</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">John J. LoPorto</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>2.&nbsp;Executive Incentive Plan. </B>Approval of the CVB Financial Corp. Executive Incentive Plan.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>3.&nbsp;Ratification of Appointment of Independent Registered Public Accountants. </B>Ratify the
appointment of McGladrey &#038; Pullen, LLP as independent registered public accountants for 2005.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.&nbsp;Other Business. </B>Transact any other business which properly comes before the meeting.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our Bylaws provide for the nomination of directors in the following manner:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Nominations for election of members of the Board of Directors may be made by the Board of
Directors or by any shareholder of any outstanding class of voting stock of the corporation
entitled to vote for the election of directors. Notice of intention to make any nominations, other
than by the Board of Directors, shall be made in writing and shall be received by the President of
the corporation no more than 60&nbsp;days prior to any meeting of shareholders called for the election
of directors, and no more than 10&nbsp;days after the date the notice of such meeting is sent to
shareholders pursuant to Section&nbsp;2.2 of these bylaws; provided, however, that if only 10&nbsp;days
notice of the meeting is given to shareholders such notice of intention to nominate shall be
received by the President of the corporation not later than the time fixed in the notice of the
meeting for the opening of the meeting. Such notification shall contain the following information
to the extent known to the notifying shareholder: (a)&nbsp;the name and address of each proposed
nominee; (b)&nbsp;the principal occupation of each proposed nominee; (c)&nbsp;the number of shares of voting
stock of the corporation owned by each proposed nominee;
(d)&nbsp;the name and residence address of the notifying shareholder; and (e)&nbsp;the number of shares
of voting stock of the corporation owned by the notifying shareholder. Nominations not made in
accordance herewith shall be disregarded by the then chairman of the meeting, and the inspectors


<P align="center" style="font-size: 10pt">1
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">of
election shall then disregard all votes cast for each nominee.&#148; Additional information regarding
procedures for shareholders recommending nominees for directors is set forth under the heading
&#147;Consideration of Shareholder Nominees.&#148;



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you were a shareholder of record at the close of business on March&nbsp;24, 2005, you may vote
at the meeting or at any postponement or adjournment of the meeting.


<P align="left" style="font-size: 10pt">IT IS IMPORTANT THAT ALL SHAREHOLDERS VOTE. WE URGE YOU TO SIGN AND RETURN THE ENCLOSED PROXY AS
PROMPTLY AS POSSIBLE, REGARDLESS OF WHETHER OR NOT YOU PLAN TO ATTEND THE MEETING IN PERSON. IF
YOU DO ATTEND THE MEETING, YOU MAY THEN WITHDRAW YOUR PROXY AND VOTE IN PERSON.


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By Order of the Board of Directors</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><IMG src="v07420v0742001.gif" alt="-s- DONNA MARCHESI"></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">DONNA MARCHESI<BR>
Corporate Secretary</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">Dated: April&nbsp;8, 2005



<P align="center" style="font-size: 10pt">2
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="center" style="font-size: 10pt"><B>PROXY STATEMENT FOR<BR>
CVB FINANCIAL CORP.<BR>
701 North Haven Avenue, Suite&nbsp;350<BR>
Ontario, California 91764<BR>
(909)&nbsp;980-4030</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This proxy statement contains information about the annual meeting of shareholders of CVB
Financial Corp. to be held on Wednesday, May&nbsp;18, 2005 beginning at 7:00 p.m., local time, at the
Ontario Convention Center, 2000 Convention Center Way, Ontario, California 91764, and at any
postponements or adjournments of the meeting.

<!-- link1 "INFORMATION ABOUT THE ANNUAL MEETING AND VOTING" -->
<DIV align="left"><A NAME="000"></A></DIV>

<P align="center" style="font-size: 10pt"><B>INFORMATION ABOUT THE ANNUAL MEETING AND VOTING</B>



<P align="left" style="font-size: 10pt"><B>Why Did You Send Me This Proxy Statement?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We sent you this Proxy Statement and the enclosed proxy card because the Board of Directors is
soliciting your vote at the 2005 Annual Meeting of Shareholders.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This proxy statement summarizes the information you need to know to cast an informed vote at
the meeting. However, you do not need to attend the meeting to vote your shares. Instead, you may
simply complete, sign and return the enclosed proxy card.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will begin sending this proxy statement, notice of annual meeting and the enclosed proxy
card on or about April&nbsp;8, 2005 to all shareholders entitled to vote. The record date for those
entitled to vote is March&nbsp;24, 2005. On March&nbsp;24, 2005, there were 61,601,338 shares of our common
stock outstanding. Common stock is our only class of stock outstanding. We are also sending our
Annual Report, including our Annual Report on Form 10-K, to shareholders for the year ended
December&nbsp;31, 2004 along with this proxy statement.


<P align="left" style="font-size: 10pt"><B>How Do I Vote By Proxy?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Whether you plan to attend the meeting or not, we urge you to complete, sign and date the
enclosed proxy card and to return it promptly in the envelope provided. Returning the proxy card
will not affect your right to attend the meeting and vote.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you properly fill in your proxy card and send it to us in time to vote, your &#147;proxy&#148; (one
of the individuals named on your proxy card) will vote your shares as you have directed. If you
sign the proxy card but do not make specific choices, your proxy will vote your shares as
recommended by the Board of Directors as follows:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>&#147;FOR&#148; the election of all seven nominees for director;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>&#147;FOR&#148; approval of the Executive Incentive Plan; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>&#147;FOR&#148; ratification of the appointment of McGladrey &#038; Pullen as our independent
registered public accountants for 2005.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any other matter is presented, your proxy will vote in accordance with the recommendation
of the Board of Directors, or, if no recommendation is given, in their own discretion. At the time
this proxy statement went to press, we knew of no matters which needed to be acted on at the
meeting, other than those discussed in this proxy statement.


<P align="center" style="font-size: 10pt">3
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt"><B>How Many Votes Do I Have?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each share of common stock entitles you to one vote. The proxy card indicates the number of
shares of common stock that you own. However, in the election of directors, you are entitled to
cumulate your votes if you are present at the meeting, the nominee&#146;s(s&#146;) name(s) have properly been
placed in nomination, and a shareholder has given notice at the meeting prior to the actual voting
of his intention to vote his shares cumulatively. Cumulative voting allows you to give one nominee
as many votes as is equal to the number of directors to be elected, multiplied by the number of
shares you own, or to distribute your votes in the same fashion between two or more nominees. The
return of an executed proxy grants the Board of Directors the discretionary authority to also
cumulate votes.


<P align="left" style="font-size: 10pt"><B>May I Change My Vote After I Return My Proxy Card?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes. Even after you have submitted your proxy, you may change your vote at any time before
the proxy is exercised, if you file with CVB Financial&#146;s Secretary either a notice of revocation or
a duly executed proxy bearing a later date. The powers of the proxy holders will be suspended if
you attend the meeting in person and so request, although attendance at the meeting will not by
itself revoke a previously granted proxy.


<P align="left" style="font-size: 10pt"><B>How Do I Vote In Person?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you plan to attend the meeting and vote in person, we will give you a ballot form when you
arrive. However, if your shares are held in the name of your broker, bank or other nominee, you
must bring a legal proxy from your broker, bank or other nominee to vote the shares at the meeting.


<P align="left" style="font-size: 10pt"><B>What Constitutes A Quorum?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The presence at the meeting, in person or by proxy, of the holders of a majority of the shares
of common stock outstanding on the record date will constitute a quorum, permitting the conduct of
business at the meeting. Proxies which are marked as abstentions will be included in the
calculation of the number of shares considered to be present at the meeting.


<P align="left" style="font-size: 10pt"><B>What Vote Is Required For Each Proposal?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The seven nominees for director who receive the most votes will be elected. So, if you do not
vote for a particular nominee, or you indicate &#147;WITHHOLD AUTHORITY TO VOTE&#148; for a particular
nominee on your proxy card, your vote will not count either &#147;FOR&#148; or &#147;AGAINST&#148; the nominee.
Approval of the Executive Incentive Plan and ratification of the appointment of our auditors
requires the approval of a majority of the votes represented and voting at the meeting.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you hold your shares of common stock in &#147;street name&#148; (that is, through a broker or other
nominee) and you fail to instruct your broker or nominee as to how to vote your shares, your broker
or nominee may in its discretion, vote your shares &#147;FOR&#148; the election of directors, &#147;FOR&#148; the
Executive Incentive Plan and &#147;FOR&#148; ratification of the appointment of McGladrey &#038; Pullen, LLP as
our independent registered public accountants. Abstentions and broker nonvotes will have no
effect on the proposals being submitted at the annual meeting.


<P align="center" style="font-size: 10pt">4
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt"><B>What Are The Costs Of Solicitation Of Proxies?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will bear the costs of this solicitation, including the expense of preparing, assembling,
printing and mailing this Proxy Statement and the material used in this solicitation of proxies.
The proxies will be solicited principally through the mails, but CVB Financial&#146;s directors,
officers and regular employees may solicit proxies personally or by telephone. Although there is
no formal agreement to do so, we may reimburse banks, brokerage houses and other custodians,
nominees and fiduciaries for their reasonable expense in forwarding these proxy materials to their
principals. In addition, we may pay for and utilize the services of individuals or companies we do
not regularly employ in connection with the solicitation of proxies.

<!-- link1 " STOCK OWNERSHIP" -->
<DIV align="left"><A NAME="001"></A></DIV>

<P align="center" style="font-size: 10pt"><B>STOCK OWNERSHIP</B>



<P align="left" style="font-size: 10pt"><B>Who Are The Largest Owners Of CVB Financial&#146;s Common Stock?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table shows the beneficial ownership of common stock as of March&nbsp;24, 2005 by
each person we know to be the beneficial owner of more than 5% of the outstanding shares of common
stock based on information these persons have filed with the Securities and Exchange Commission on
Schedule&nbsp;13G. &#147;Beneficial ownership&#148; is a technical term broadly defined by the Securities and
Exchange Commission to mean more than ownership in the usual sense. So, for example, you
beneficially own CVB Financial&#146;s common stock not only if you hold it directly, but also if you
indirectly, through a relationship, contract or understanding, have, or share, the power to vote
the stock, to sell it or you have the right to acquire it within 60&nbsp;days of March&nbsp;24, 2005:


<P align="center" style="font-size: 10pt">5
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="45%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6"><B>Common Stock</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000"><B>Beneficially Owned</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Number</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Percent</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Address</B></TD>
    <TD>&nbsp;</TD>

<TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>of Shares</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap style="border-bottom: 1px solid #000000" align="center" colspan="2"><B>of Class</B></TD>
    <TD>&nbsp;</TD>
</TR>



<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">George A. Borba<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">c/o Citizens Business Bank<BR></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">701 N. Haven Avenue<BR></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">8,366,314</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">13.6</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Ontario, CA  91764</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">John Vanderschaaf</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">c/o Citizen Business Bank<BR></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">701 N. Haven Avenue<BR></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">3,072,324</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">5.0</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Ontario, CA  91764</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top"><I>(1)</I></SUP></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 53,516 shares Mr.&nbsp;Borba has the right to acquire within 60&nbsp;days
after March&nbsp;24, 2005.</I></TD>
</TR>

</TABLE>



<P align="left" style="font-size: 10pt"><B>How Much Stock Do CVB Financial&#146;s Directors and Officers Own?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table shows the beneficial ownership of CVB Financial&#146;s common stock as of March
24, 2005 by (i)&nbsp;our Chief Executive Officer and President; (ii)&nbsp;our four most other highly
compensated executive officers in 2004; (iii)&nbsp;each director, all of whom are also nominees for
director and (iv)&nbsp;by all directors and executive officers as a group.

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="80%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6"><B>Common Stock</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000"><B>Beneficially Owned</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Number</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Percent</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>of Shares </B><SUP style="font-size: 85%; vertical-align: text-top"><B>(1)</B></SUP></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Of Class </B><SUP style="font-size: 85%; vertical-align: text-top"><B>(2)</B></SUP></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">George A. Borba <SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP><BR>
Chairman of the Board and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">8,366,314</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">13.6</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">John A. Borba <SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP><BR>
Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1,633,793</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2.7</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Ronald O. Kruse <SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP><BR>
Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1,392,357</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2.3</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">John J. LoPorto <SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP><BR>
Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1,270,133</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2.1</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">James C. Seley <SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP><BR>
Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">215,420</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">*</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">San E. Vaccaro <SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP><BR>
Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">384,960</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>

    <TD align="left" valign="top">*</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">D. Linn Wiley <SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP><BR>
President, Chief
Executive Officer, Director and Nominee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">614,038</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1.0</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">6
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="80%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6"><B>Common Stock</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000"><B>Beneficially Owned</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Number</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Percent</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>of Shares </B><SUP style="font-size: 85%; vertical-align: text-top"><B>(1)</B></SUP></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Of Class </B><SUP style="font-size: 85%; vertical-align: text-top"><B>(2)</B></SUP></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Frank Basirico<SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP><BR>
Executive Vice President</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">5,000</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top">*</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edward J. Biebrich, Jr. <SUP style="font-size: 85%; vertical-align: text-top">(9)</SUP><BR>
Executive Vice President and
Chief Financial Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">145,091</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>

    <TD align="left" valign="top">*</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Jay W. Coleman <SUP style="font-size: 85%; vertical-align: text-top">(10)</SUP><BR>
Executive Vice President</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">269,869</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>

    <TD align="left" valign="top">*</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edwin Pomplun<BR>
Executive Vice President</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">78,505</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD align="left" valign="top">*</TD>

</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Current
Directors and Executive Officers<BR>

(11 persons) <SUP style="font-size: 85%; vertical-align: text-top">(11)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">14,375,480</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">23.4</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left">*</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%">Less than 1%.</TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Except as otherwise noted below, each person directly or indirectly has sole or shared voting
and investment power (as community property and/or with such person&#146;s spouse) with respect to
the shares listed.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(2)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>The percentage for each of these persons or group is based upon the total number of shares of
CVB Financial&#146;s common stock outstanding as of March&nbsp;24, 2005 plus the shares which the
respective individual or group has the right to acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(3)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 53,516 shares which each individual may acquire within 60&nbsp;days after March&nbsp;24, 2005
by the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(4)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 6,250 which Mr.&nbsp;LoPorto may acquire within 60&nbsp;days after March&nbsp;24, 2005 by the
exercise of stock options and 63,868 shares held by Mr.&nbsp;Lo Porto as trustee for a family
trust.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(5)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 189,282 shares which Mr.&nbsp;Seley may acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options and 1,946 shares over which Mr.&nbsp;Seley shares ownership through
an investment club.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(6)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 114,040 shares which Mr.&nbsp;Vaccaro can acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(7)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 24,316 shares which Mr.&nbsp;Wiley may acquire within 60&nbsp;days after March&nbsp;24, 2005 by the
exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(8)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 5,000 shares which Mr.&nbsp;Basirico may acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(9)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 129,128 shares which Mr.&nbsp;Biebrich may acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(10)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 19,312 shares which Mr.&nbsp;Coleman may acquire within 60&nbsp;days after March&nbsp;24, 2005 by
the exercise of stock options.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(11)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Includes 647,876 shares which members of the group may acquire within 60&nbsp;days after March&nbsp;24,
2005 by the exercise of stock options.</I></TD>
</TR>

</TABLE>


<!-- link1 "CORPORATE GOVERNANCE PRINCIPLES AND BOARD MATTERS " -->
<DIV align="left"><A NAME="002"></A></DIV>

<P align="center" style="font-size: 10pt"><B>CORPORATE GOVERNANCE PRINCIPLES AND BOARD MATTERS</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors is committed to good business practices, transparency in financial
reporting and the highest level of corporate governance. To that end, over the course of a number
of months, the Board reviewed its governance policies and practices, as well as the requirements of
the Sarbanes-Oxley Act of 2002 and the listing standards of the Nasdaq Stock Market. As a result
of this review, we have adopted Corporate Governance Principles, which among other things, provide
for:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>At least a majority of independent directors;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Audit, compensation and nominating/corporate governance committees consisting
solely of independent directors;</TD>
</TR>


</TABLE>

<P align="center" style="font-size: 10pt">7
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Periodic executive sessions of non-management directors;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>An annual self-evaluation process for the Board and its committees;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Ethical conduct of directors;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Director access to officers and employees;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Director access to independent advisors;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Periodic review of a management succession plan; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>Methodology for reporting concerns to non-employee directors or the Audit
Committee.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A copy of our Corporate Governance Principles is available on our website at www.cbbank.com
under the tab &#147;Investor Relations&#148; and then &#147;Corporate Governance.&#148;


<P align="left" style="font-size: 10pt"><B>Board Selection Process</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have established a Nominating and Corporate Governance Committee. This committee assists
the Board in director selection, as well as review and consideration of developments in corporate
governance practices. This committee also recommends to the Board director nominees for each Board
committee, and reviews director candidates submitted by shareholders. The Nominating and Corporate
Governance Committee is responsible for annually reviewing and evaluating with the Board the
appropriate skills and characteristics required of Board members in the context of the current
composition of the Board and our goals for nominees to the Board, including nominees who are
current Board members. The Nominating and Corporate Governance Committee has the authority to
utilize third party providers, as appropriate, to assist it in fulfilling its Board selection
function.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In identifying and evaluating nominees for director, the goals of the Nominating and Corporate
Governance Committee include maintaining a strong and experienced Board by continually assessing
the Board&#146;s business background, current responsibilities, community involvement, independence,
commitment to CVB (including meaningful ownership of our common stock with a market value of at
least $100,000) and time available for service. Other important factors the Nominating and
Corporate Governance Committee will consider in evaluating nominees include current knowledge and
contacts in CVB&#146;s industry and other industries relevant to CVB&#146;s business, ability to work
together with other Board members and ability to commit adequate time to serve as a director.


<P align="left" style="font-size: 10pt"><B>Consideration of Shareholder Nominees</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The policy of the Nominating and Corporate Governance Committee is to consider properly
submitted shareholder nominations for candidates for membership on the Board of Directors. In
evaluating nominees, the Nominating and Corporate Governance Committee will look at the same
factors described under the heading &#147;Board Selection Process&#148;
that it uses for nominees which come to its attention from persons other than the Board of
Directors. Recommendations must be submitted in writing to the attention of the Chair of the
Nominating and Corporate Governance Committee at the following address:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="55%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">CVB Financial Corp.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">701 N. Haven Avenue, Suite&nbsp;350</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Ontario, California 91764</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">8
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<P align="left" style="font-size: 10pt">Shareholders should include in such recommendation, (a)&nbsp;the name and address of each proposed
nominee; (b)&nbsp;the principal occupation of each proposed nominee; (c)&nbsp;the number of shares of voting
stock of the Company owned by each proposed nominee and the notifying shareholder; (d)&nbsp;the name and
residence address of the notifying shareholder; and (e)&nbsp;a letter from the proposed nominee
indicating that such proposed nominee wishes to be considered as a nominee for the CVB Financial
Board of Directors and will serve as a member of the CVB Financial Board if elected. In addition,
each recommendation must set forth in detail the reasons why the notifying shareholder believes the
proposed nominee meets the criteria set forth in the Nominating and Corporate Governance Committee
Charter for serving on the Company&#146;s Board of Directors.



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, our Bylaws permit shareholders to nominate directors for consideration at an
annual meeting. For a description of the process, see the &#147;Notice of 2005 Annual Meeting of
Shareholders&#148; included herein.


<P align="left" style="font-size: 10pt"><B>Executive Sessions</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive sessions of non-management directors are held at least three times a year. The
person who presides at these meetings is chosen by the independent directors.


<P align="left" style="font-size: 10pt"><B>Attendance at Annual Meetings</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board encourages all of its members to attend the annual meeting of shareholders. All of
our directors attended the 2004 annual meeting of shareholders.


<P align="left" style="font-size: 10pt"><B>Communications with the Board</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholders wishing to contact the Company&#146;s Board of Directors, including a committee of the
Board, may do so by writing to the following address to the attention of the Board or a committee
of the Board at:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="55%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Board of Directors</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">CVB Financial Corp.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">701 North Haven Avenue, Suite&nbsp;350</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Ontario, California 91764</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Confidential communications may be sent to:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="55%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Confidential Corporate Solutions</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">11684 Ventura Blvd., Suite&nbsp;602</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Studio City, California 91604</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">9
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, any communication may be sent through the internet by logging on to
http://www.confidentialcsi.com, and using CVB&#146;s account number 37265843. All communications sent
to the Board of Directors will be communicated with the entire Board of Directors unless the
Chairman of the Board reasonably believes communication with the entire Board of Directors is not
appropriate or necessary or the communication is intended only for a specific committee.
Shareholders wishing to communicate solely with non-management directors, or confidentially, may do
so by writing to the foregoing address at Confidential Corporate Solutions, and sending their
communication to the attention of the Nominating and Corporate Governance Committee. The Company&#146;s
Corporate Secretary keeps a log of all communications sent to the Board of Directors or its
committees. This log is available for inspection by the members of the Board of Directors.

<!-- link1 " DISCUSSION OF PROPOSALS RECOMMENDED BY THE BOARD" -->
<DIV align="left"><A NAME="003"></A></DIV>

<P align="center" style="font-size: 10pt"><B>DISCUSSION OF PROPOSALS RECOMMENDED BY THE BOARD</B>


<!-- link1 " PROPOSAL 1" -->
<DIV align="left"><A NAME="004"></A></DIV>

<P align="center" style="font-size: 10pt"><B>PROPOSAL 1</B>



<P align="center" style="font-size: 10pt"><B>ELECTION OF DIRECTORS</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have nominated seven directors for election at the annual meeting, which is the number
fixed for the election of directors.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will nominate the persons named below, all of whom are present members of CVB Financial
Corp.&#146;s Board of Directors, for election to serve until the 2006 Annual Meeting of Shareholders and
until their successors have been qualified. Each of these persons is also a member of the Board of
Directors of our principal subsidiary, Citizens Business Bank. With the exception of Mr.&nbsp;Wiley,
each of these directors is &#147;independent&#148; within the meaning of the rules and regulations
promulgated by the Nasdaq Stock Market and has been determined to be &#147;independent&#148; by our
Nominating and Corporate Governance Committee. The Board will cast its votes to effect the
election of these nominees. If any nominee is unable to serve, your proxy may vote for another
nominee proposed by the Board.


<P align="left" style="font-size: 10pt"><B>The Nominees</B>



<P align="left" style="font-size: 10pt">The directors standing for reelection are:


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Year First Elected</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Principal Occupation</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>or Appointed</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name and Position</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>For Past Five Years</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>a Director</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">George A. Borba <SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP><BR>
&nbsp;&nbsp;Chairman of the Board
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Dairy Farmer, George<BR>
 Borba &#038; Son Dairy
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">72</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1981</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">John A. Borba <SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP><BR>
&nbsp;&nbsp;Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Dairy Farmer, John
Borba &#038; Sons
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">77</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1981</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt">10
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Year First Elected</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Principal Occupation</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>or Appointed</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name and Position</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>For Past Five Years</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>a Director</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Ronald O. Kruse<BR>
&nbsp;&nbsp;Vice Chairman of the
Board and<BR>
&nbsp;&nbsp; Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chairman, Kruse
Investment Co.,
Inc. and Feed
Commodities, LLC
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">66</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1981</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">John J. LoPorto<BR>
&nbsp;&nbsp;Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Investor
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">72</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1981</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">James C. Seley<BR>
&nbsp;&nbsp;Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Partner, Seley &#038;
Co. (commodity
merchant)
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">63</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1996</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">San E. Vaccaro,<BR>
&nbsp;&nbsp;Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Attorney
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">72</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1999</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">D. Linn Wiley<BR>
&nbsp;&nbsp;President, Chief
Executive Officer and<BR>

&nbsp;&nbsp;Director
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President and Chief
Executive Officer,
CVB Financial Corp.
and Citizens
Business Bank
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">66</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1991</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>George A. Borba and John A. Borba are brothers.</I></TD>
</TR>

</TABLE>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Biographical information about all of our executive officers is contained under Item 4(a)
of our Annual Report on Form 10-K, a copy of which is being mailed with this proxy statement and
which is available on the Securities and Exchange Commission&#146;s website at http://www.sec.gov.


<P align="left" style="font-size: 10pt"><B>The Board of Directors and Committees</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors oversees our business and affairs. The Board also has three standing
committees: an Audit Committee, a Compensation Committee and a Nominating and Corporate Governance
Committee.


<P align="left" style="font-size: 10pt"><B>Audit Committee</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee of the Board is composed of Messrs.&nbsp;J. Borba, Kruse, LoPorto, Seley and
Vaccaro. The Audit Committee operates under a written charter adopted by the Board Of Directors.
The Audit Committee is a separately designated standing Audit Committee established in accordance
with Section&nbsp;3(a)(58)(A) of the Securities Exchange Act of 1934, as amended. Each of the members
of the Audit Committee is independent within the meaning of the rules and regulations of the Nasdaq
Stock Market.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purpose of the Audit Committee is to oversee and monitor (i)&nbsp;the integrity of our
financial statements and its systems of internal accounting and financial controls; (ii)&nbsp;our
compliance with applicable legal and regulatory requirements; (iii)&nbsp;our independent auditor
qualifications and independence; and (iv)&nbsp;the performance of our internal audit function and
independent auditors. The Board of Directors has determined that Mr.&nbsp;San Vaccaro is the Company&#146;s
audit committee financial expert within the meaning of the rules and regulations of the Securities
and Exchange Commission.


<P align="center" style="font-size: 10pt">11
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee has sole authority to appoint or replace the independent auditors
(including oversight of audit partner rotation). The Audit Committee is also directly responsible
for the compensation and oversight of the work of the independent auditors. The independent
auditors report directly to the Audit Committee. Among other things, the Audit Committee prepares
the audit committee report for inclusion in the annual proxy statement, reviews and discusses with
management and the independent auditor our independent certified audits; reviews and discusses with
management and the independent auditor quarterly and annual financial statements; reviews the
adequacy and effectiveness of our disclosure controls and procedures; prepares all auditing and
permitted non-auditing services; reviews significant findings by bank regulators and management&#146;s
response thereto; establishes procedures to anonymously and confidentially handle complaints we
receive regarding auditing matters and accounting and internal accounting controls; and handles the
confidential, anonymous submission to it by employees of the Company of concerns regarding
questions to accounting or auditing matters. The Audit Committee also has authority to retain
independent legal, accounting and other advisors as the Audit Committee deems necessary or
appropriate to carry out its duties. The Audit Committee held 17 meetings during 2004.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The report of the Audit Committee is included below.


<P align="left" style="font-size: 10pt"><B>Audit Committee Report</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The following Report of the Audit Committee does not constitute soliciting material and should
not be deemed filed or incorporated by reference into any of our other filings under the Securities
Act of 1933 or under the Securities Exchange Act of 1934, as amended, except to the extent we
specifically incorporate this Report by reference.</I>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee reports to the Board and is responsible for overseeing and monitoring
financial accounting and reporting, the system of internal controls established by management and
the audit process of CVB Financial Corp. The Audit Committee manages the Company&#146;s relationship
with its independent auditors (who report directly to the Audit Committee).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In discharging its oversight responsibility, the Audit Committee has met and held discussions
with management and McGladrey &#038; Pullen, LLP, the independent auditors for CVB Financial Corp.,
regarding the audited consolidated financial statements. Management represented to the Audit
Committee that the consolidated financial statements were prepared in accordance with generally
accepted accounting principles, and the Audit Committee has reviewed and discussed the consolidated
financial statements with management and the independent auditors. The Audit Committee discussed
with the independent auditors matters required to be discussed by Statement on Auditing Standards
No.&nbsp;61 (<I>Communications with Audit Committees</I>).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee also obtained from the independent auditors a formal written statement
describing all relationships between CVB Financial Corp. and the auditors that bear on the
auditors&#146; independence consistent with Independence Standards Board Standard No.&nbsp;1, <I>Independence
Discussions with Audit Committee</I>. The Audit Committee discussed with the independent auditors any
relationships that may impact on the firm&#146;s objectivity and independence and satisfied itself as to
the auditors&#146; independence.


<P align="center" style="font-size: 10pt">12
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based on these discussions and reviews, the Audit Committee recommended that the Board of
Directors approve the inclusion of CVB Financial Corp.&#146;s audited consolidated financial statements
in the Annual Report on Form 10-K for the year ended December&nbsp;31, 2004, for filing with the
Securities and Exchange Commission.


<P align="left" style="font-size: 10pt">Respectfully submitted by the members of the Audit Committee of the Board of Directors:



<P align="left" style="font-size: 10pt">Dated: March&nbsp;18, 2005



<P align="left" style="font-size: 10pt"><B>THE AUDIT COMMITTEE</B>



<P align="left" style="font-size: 10pt">JOHN A. BORBA, Chairman<BR>
RONALD O. KRUSE<BR>
JOHN J. LOPORTO<BR>
JAMES C. SELEY<BR>
SAN E. VACCARO


<P align="left" style="font-size: 10pt"><B>The Compensation Committee</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In December&nbsp;2003, the Board of Directors of the Company adopted a charter for a Compensation
Committee to replace its Personnel Committee and Stock Option Committee. The Compensation
Committee&#146;s responsibilities are to oversee the Company&#146;s compensation and employee benefit plans
and practices, including its executive compensation plans and its incentive compensation and
equity-based plans. This committee is composed of Messrs.&nbsp;G. Borba, J. Borba, R. Kruse, J.
LoPorto, J. Seley and S. Vaccaro. Each of the members of the Compensation Committee is independent
within the meaning of the rules and regulations of the Nasdaq Stock Market. The Compensation
Committee met four times during 2004.


<P align="left" style="font-size: 10pt"><B>Nominating and Corporate Governance Committee</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors has a Nominating and Corporate Governance Committee consisting of
Messrs.&nbsp;George Borba, John Borba, Ronald Kruse, John LoPorto, James Seley and San Vaccaro. Each of
the members of the Nominating and Corporate Governance Committee is independent within the meanings
of the rules and regulations of the Nasdaq Stock Market.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As set forth above, the Nominating and Corporate Governance Committee:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>assists the Board by identifying individuals qualified to become Board
members;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>recommends to the Board the director nominees for the next annual meeting;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>recommends to the Board director nominees for each committee; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="1%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>develops and recommends a set of corporate governance principles applicable
to the Company.</TD>
</TR>

</TABLE>



<P align="center" style="font-size: 10pt">13
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other specific duties and responsibilities of the Nominating and Corporate Governance
Committee include: retaining and terminating any search firm to identify director candidates;
receiving communications from shareholders regarding any matters of concern; recommend to the Board
directors for each committee; and reviewing and reassessing the adequacy of its charter and its own
performance on an annual basis. The procedures for nominating directors, other than by the Board
of Directors itself, are set forth in the bylaws and reprinted in the Notice of Annual Meeting of
Shareholders. The Charter of the Nominating and Corporate Governance Committee is available on our
website at www.cbbank.com under the tab &#147;Investor Relations&#148; and then &#147;Corporate Governance.&#148; The
Nominating and Corporate Governance Committee held one meeting during 2004.


<P align="left" style="font-size: 10pt"><B>The Number of Meetings Attended</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During 2004, CVB Financial&#146;s Board of Directors held 13 meetings, and the Board of Directors
of Citizens Business Bank held 14 meetings. All of the directors of CVB Financial and Citizens
Business Bank during 2004 attended at least 75% of the aggregate of (i)&nbsp;the total number of CVB
Financial and Citizens Business Bank Board meetings and (ii)&nbsp;the total number of meetings held by
all committees of the Board of Directors of CVB Financial or Citizens Business Bank on which he
served during 2004.

<!-- link1 " EXECUTIVE COMPENSATION" -->
<DIV align="left"><A NAME="005"></A></DIV>

<P align="center" style="font-size: 10pt"><B>EXECUTIVE COMPENSATION</B>



<P align="left" style="font-size: 10pt"><B>How Do We Compensate Executive Officers?</B>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Summary of Cash and Certain Other Compensation</I>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The tables on pages 15 through 16 show salaries and bonuses paid during the last three years
and 2004 fiscal year-end option values and 2004 option grants for our Chief Executive Officer and
our next four most highly compensated executive officers who are our &#147;named executive
officers.&#148;


<P align="center" style="font-size: 10pt">14
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<!-- link1 "SUMMARY COMPENSATION TABLE" -->
<DIV align="left"><A NAME="006"></A></DIV>
<P align="center" style="font-size: 10pt"><B>SUMMARY COMPENSATION TABLE</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="top">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Long-Term</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="10" style="border-bottom: 1px solid #000000"><B>Annual Compensation</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"  style="border-bottom: 1px solid #000000"><B>Compensation</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Other Annual</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Awards</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>All Other</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name and Principal Position</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Year</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Salary($)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Bonus($)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Compensation($)(1)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Options(2)(#)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>Compensation($)(3)</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="top">
    <TD nowrap><DIV style="margin-left:15px; text-indent:-15px"><B>D. LINN WILEY</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">500,271</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">725,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">62,500</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,400</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">

<TD><DIV style="margin-left:15px; text-indent:-15px">President and Chief Executive Officer of the Company and the Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2003</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">438,420</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">348,566</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2002</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">414,507</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">362,544</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom" style="padding-top: 0em">
<TD><DIV style="margin-left:15px; text-indent:-15px"><B>EDWARD J. BIEBRICH, Jr.</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">233,539</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">170,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,400</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">

<TD colspan="1"><DIV style="margin-left:15px; text-indent:-15px">Chief Financial Officer of the Company and Executive Vice President/Chief Financial Officer of the Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2003</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">192,311</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">87,001</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
    <TD><DIV style="margin-left:30px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2002</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">180,400</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">81,439</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px"><B>FRANK BASIRICO</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">233,088</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">170,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,400</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
    <TD  colspan="1"><DIV style="margin-left:15px; text-indent:-15px">Executive Vice President and Senior Loan Officer of the Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2003</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">203,811</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">80,393</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2002</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">178,961</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">76,545</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom" style="padding-top: 0em">
<TD><DIV  style="margin-left:15px; text-indent:-15px"><B>JAY W. COLEMAN</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">234,138</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">170,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,400</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px">Executive
Vice President of Sales and Service Division of the Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2003</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">196,404</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">77,265</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2002</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">182,313</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">82,294</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR><TD>&nbsp;</TD></TR>
<TR valign="bottom" style="padding-top: 0em">
<TD><DIV  style="margin-left:15px; text-indent:-15px"><B>EDWIN POMPLUN</B></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2004</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">166,432</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">46,170</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,250</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">15,894</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px">Executive Vice President and Trust Division Manager of the Bank</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2003</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">170,323</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31,590</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">14,782</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="top">
<TD><DIV  style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2002</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">142,521</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">30,375</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6,875</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13,240</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>The amount of the aggregate of the other annual compensation did not exceed the lesser
of $50,000 or 10% of the total of annual salary and bonus for the named executive
officer. For each named executive officer, other annual compensation related to use of
Citizens Business Bank owned automobiles and for Messrs.&nbsp;Wiley and Coleman, country club
dues and for Mr.&nbsp;Coleman, additional health club dues. The aggregate value of these
perquisites were as follows: Mr.&nbsp;Wiley, $9,308; Mr.&nbsp;Basirico, $12,874; Mr.&nbsp;Biebrich,
$7,176; Mr.&nbsp;Coleman, $7,882; and Mr.&nbsp;Pomplun, $9,068.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(2)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Represents stock options we granted, retroactively adjusted, as appropriate,
for the five- for- four stock split effective in December&nbsp;2004, 10% stock dividend
distributed in January&nbsp;2004 and the five for four stock split effective in January
2003.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(3)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Represents amounts Citizens Business Bank contributed to the 401(k) and
Profit Sharing Plan and allocated to the named executives&#146; vested or unvested
account under such plan.</I></TD>
</TR>

</TABLE>




<P align="center" style="font-size: 10pt">15
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Option Grants in 2004</I>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table provides certain information with respect to the grant of stock options
during 2004 to our named executive officers.


<P align="center" style="font-size: 10pt"><B>Option Grants in 2004</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>

    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD colspan="10" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>

    <TD nowrap style="border-left: 1px solid #000000;  border-top: 1px solid #000000" align="center" colspan="6"><B>Potential realizable value at assumed annual rates</B></TD>
    <TD style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" colspan="16" style="border-bottom: 1px solid #000000"><B>Individual Grants</B></TD>
    <TD style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000;border-left: 1px solid #000000"><B>of stock price appreciation for option terms</B></TD>
    <TD style="border-bottom: 1px solid #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Number of</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>securities</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Percent of total</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>underlying</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>options granted</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Exercise or</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>options granted</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>to employees in</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>base price</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>Expiration</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>(#)(1)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>fiscal year (%)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>($/Sh)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>date</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>5% ($)</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>10% ($)</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>(a)</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>(b)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>(c)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>(d)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000"><B>(e)</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>(f)</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>(g)</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">D. Linn Wiley</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">62,500</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13.3</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16.70</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">3-17-14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">656,408</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,663,468</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Frank Basirico</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">5.3</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16.70</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">3-17-14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">262,563</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">665,387</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edward J. Biebrich, Jr.</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">5.3</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16.70</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">3-17-14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">262,563</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">665,387</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Jay W. Coleman</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">5.3</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16.70</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">3-17-14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">262,563</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">665,387</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edwin Pomplun</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,250</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2.7</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">17.12</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">6-16-14</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13,458</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34,106</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Each of the grants was for stock options (both incentive and nonqualified ) which vest at a
rate of 20% a year for five years. The grants were made at the fair market value of CVB
common stock on the date of grant pursuant to the Company&#146;s 2000 Stock Option Plan which
provides for acceleration of vesting in the event of a change in control. The number of
securities underlying options granted and option price has been adjusted for the five-for-four
stock split declared in December&nbsp;2004.</I></TD>
</TR>

</TABLE>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Option Exercises and Holdings</I>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table provides information with respect to the exercise of stock options during
2004 by our named executive officers and the value of unexercised options at December&nbsp;31, 2004.


<P align="center" style="font-size: 10pt"><B>Aggregated
Option</B><SUP style="font-size: 85%; vertical-align: text-top"><B>(1)</B></SUP><B> Exercises in Fiscal Year 2004<BR>
and Fiscal Year-End Option Values</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6">Number of Unexercised</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6">Value of Unexercised In-the-</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Shares Acquired</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6">Options at 12/31/04</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6">Money Options at 12/31/04</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">on Exercise<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000">(#)<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="6" style="border-bottom: 1px solid #000000">($)<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Name</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">(#)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Value Realized ($)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Exercisable</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Unexercisable</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Exercisable</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Unexercisable</TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">D. Linn Wiley</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">41,357</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">503,562</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11,817</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">74,317</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">170,283</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">454,658</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Frank Basirico</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19,421</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">273,019</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53,144</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">396,897</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edward J. Biebrich, Jr.</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">124,128</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53,146</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,625,133</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">396,921</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Jay W. Coleman</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">22,863</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">245,846</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">14,312</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53,144</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">149,806</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">396,902</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Edwin Pomplun</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">&#151;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">77,882</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">8,771</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,279,444</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">89,509</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>We have no plans pursuant to which stock appreciation rights may be granted.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(2)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>The number of securities acquired on exercise and available as unexercised options have been
adjusted for the five-for-four stock split declared in December&nbsp;2004.</I></TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(3)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>Value of unexercised &#147;in-the-money&#148; options is the difference between the fair market value
of the securities underlying the options and the exercise or base price of the options as of
December&nbsp;31, 2004 which was $21.25, as adjusted for five-for-four stock split declared in
December&nbsp;2004.</I></TD>
</TR>

</TABLE>



<P align="center" style="font-size: 10pt">16
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following table summarizes information as of December&nbsp;31, 2004 relating to our equity
compensation plans pursuant to which grants of options, restricted stock, or other rights to
acquire shares may be granted from time to time.


<P align="center" style="font-size: 10pt"><B>Equity Compensation Plan Information</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="70%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Number of Securities</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Remaining Available for</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Number of Securities to be</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Weighted-average</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Future Issuance Under</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Issued Upon Exercise of</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Exercise Price of</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Equity Compensation Plans</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Outstanding Options,</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">Outstanding Options,</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">(excluding securities</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Plan Category</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Warrants and Rights (a)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">Warrants and Rights (b)</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">reflected in column (a))</TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Equity compensation
plans approved by
security holders</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,909,629</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">9.70</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">3,671,058</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Equity compensation
plans not approved
by security holders
<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">21,270</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">6.54</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Total</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1,930,899</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">9.66</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">3,671,058</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
        <TD nowrap colspan="2" align="right" style="border-top: 3px double #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
        <TD nowrap colspan="2" align="right" style="border-top: 3px double #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
        <TD nowrap colspan="2" align="right" style="border-top: 3px double #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><I>(1)</I></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%"><I>The sole equity compensation plan not previously submitted to Company shareholders for
approval is the CVB Financial Corp. 1999 Orange National Bancorp 1997 Continuation Stock
Option Plan, which the Company adopted in connection with its acquisition of Orange National
Bancorp and Orange National Bank. Pursuant to this plan, options were originally granted to
original Orange National Bancorp employees and directors at no less than the fair market value
of the stock subject to the option at the date of grant. At the time of adoption, the number
of shares available for grant pursuant to this plan was reduced to the number of outstanding
options being assumed in connection with this plan. As of December&nbsp;31, 2004, 21,270 shares of
CVB were issuable upon exercise of options pursuant to this plan and all of such options are
immediately exercisable. No additional shares are available for future grant under this plan.</I></TD>
</TR>

</TABLE>



<P align="left" style="font-size: 10pt"><B>Employment Agreement with Our President and Chief Executive Officer</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On August&nbsp;8, 1991, we entered into a renewing one-year employment agreement with Mr.&nbsp;Wiley
which sets forth his compensation as President and Chief Executive Officer of CVB Financial and
Citizens Business Bank. The agreement provides for an annual base salary of at least $300,000.
Mr.&nbsp;Wiley&#146;s base salary for 2004 was set at $500,000. This base salary is reviewed and adjusted on
an annual basis at the discretion of the Board of Directors. The agreement further provides for
Mr.&nbsp;Wiley to receive an annual bonus of $200,000 for each year after 1991, although Mr.&nbsp;Wiley&#146;s
actual bonus may be more or less than $200,000 depending on the attainment of certain performance
goals. Additionally, the agreement provides for the use of an automobile, a country club
membership, participation in the Bank&#146;s Profit Sharing Plan and medical and life insurance
benefits. In 2003, Mr.&nbsp;Wiley agreed that he would continue to serve CVB for an additional three
years under the same terms of his existing employment agreement. Mr.&nbsp;Wiley also has a severance
compensation agreement as described below.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, pursuant to the terms of our 2000 Stock Option Plan, upon a reorganization,
merger, or consolidation of CVB Financial with one or more corporations as a result of which we
will not be the surviving or resulting corporation, or a sale of substantially all the assets of
CVB Financial to another person, or a reverse merger in which we are the surviving corporation but
the shares of our stock outstanding immediately preceding the merger are
converted by virtue of the merger into other property, all outstanding unvested options Mr.
Wiley may hold under our 2000 Stock Option Plan will become immediately exercisable.


<P align="center" style="font-size: 10pt">17
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<P align="left" style="font-size: 10pt"><B>Severance Compensation Agreements with Our Executive Officers</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April&nbsp;1, 2004, Citizens Business Bank entered into severance compensation agreements with
all of its executive officers, including its President and Chief Executive Officer. These
agreements provide that in the event a &#147;Change of Control,&#148; as described below, occurs during the
executive&#146;s employment and (i)&nbsp;the executive&#146;s employment is terminated by us or Citizens Business
Bank or any successor, other than for cause, within one year of the completion of such Change of
Control, or (ii)&nbsp;the executive terminates or resigns employment for Good Reason, as described
below, within one year of the completion of a Change in Control, the executive shall receive an
amount equal to twice (2)&nbsp;the executive&#146;s annual base compensation plus two times (2)&nbsp;the average
of the last two years&#146; bonuses paid to the executive for the last calendar year immediately
preceding the Change in Control. This amount will be paid in installments over a period of time
after the effective date of termination of the executive&#146;s employment pursuant to amendments to
these severance compensation agreements currently being finalized. Each of these agreements
provides for an outside termination date of April&nbsp;1, 2007.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A &#147;Change in Control&#148; occurs if, among other things:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;any person or group, other than a director serving as such on the date of the severance
compensation agreement, acquires (or has acquired during the 12-month period ending on the date of
the most recent acquisition) ownership of stock of CVB Financial or Citizens Business Bank
possessing more than 50% of the total voting power of CVB Financial or Citizens Business Bank
stock;


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;a majority of the members of CVB Financial&#146;s or Citizens Business Bank&#146;s directors is
replaced during any 12&nbsp;month period by directors whose appointment or election is not endorsed by a
majority of the members of CVB Financial&#146;s or Citizens Business Bank&#146;s board prior to the date of
the appointment or election;


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii)&nbsp;a merger occurs where the holders of Citizens Business Bank&#146;s or CVB Financial Corp.&#146;s
voting stock immediately prior to the effective date of such merger own less than 50% of the voting
stock of the entity surviving such merger; or


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;any one person or group, acquires (or has acquired during the 12-month period ending on
the date of the most recent acquisition by such person or persons) assets from Citizens Business
Bank that have a total fair market value greater than 50% of the total fair market value of all of
Citizens Business Bank&#146;s assets immediately before the acquisition or acquisitions. A transfer of
assets will not be treated as a change in the ownership of such assets if the assets are
transferred to:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A)&nbsp;an entity, 50% or more of the total value or voting power of which is owned directly or
indirectly by CVB Financial or Citizens Business Bank prior to the acquisition;


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B)&nbsp;a person, or more than one person acting as a group, that owns, directly or indirectly,
50% or more of the total value or voting power of all the outstanding stock of CVB Financial or
Citizens Business Bank prior to the acquisition; or


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C)&nbsp;an entity, at least 50% of the total value or voting power is owned, directly or
indirectly by a person who owns, directly or indirectly, 50% or more of the total value or voting
power of all the outstanding stock of Citizens Business Bank prior to the acquisition.



<P align="center" style="font-size: 10pt">18
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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Good Reason&#148; includes (i)&nbsp;the executive&#146;s then current level of annual base salary or
employee benefit coverage is reduced; (ii)&nbsp;the executive suffers a material diminution in, among
other items, title, authority or responsibilities; or (iii)&nbsp;the executive&#146;s principal business
office is relocated by more than 50 miles from its existing location.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, pursuant to the terms of CVB Financial&#146;s 2000 Stock Option Plan, upon a
reorganization, merger, or consolidation of CVB Financial with one or more corporations as a
result of which CVB Financial will not be the surviving or resulting corporation, or a sale of
substantially all the assets of CVB Financial to another person, or a reverse merger in which CVB
Financial is the surviving corporation but the shares of CVB Financial&#146;s stock outstanding
immediately preceding the merger are converted by virtue of the merger into other property, all
outstanding unvested options become immediately exercisable.


<P align="left" style="font-size: 10pt"><B>Report on Executive Compensation</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The Report of the Compensation Committee should not be deemed incorporated by reference into
any filing under the Securities Act of 1933 or under the Securities Exchange Act of 1934, as
amended, except to the extent that we specifically incorporate the information contained in the
report by reference.</I>

<!-- link1 "REPORT OF THE COMPENSATION COMMITTEE" -->
<DIV align="left"><A NAME="007"></A></DIV>

<P align="center" style="font-size: 10pt"><B>REPORT OF THE COMPENSATION COMMITTEE</B>




<P align="left" style="font-size: 10pt"><B>What is Our Philosophy on Executive Compensation?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have adopted a basic philosophy and practice of offering a compensation program designed to
attract and retain highly qualified employees. Our compensation practices encourage and motivate
these individuals to achieve superior performance. This underlying philosophy pertains
specifically to executive compensation, as well as employee compensation at all other levels
throughout the organization.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There are three principal components of the executive compensation program. They include base
salary compensation, bonus compensation (performance compensation) and long-term incentive
compensation.


<P align="left" style="font-size: 10pt"><B>Base Salary</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For 2004, we determined the base salary compensation for each of our executive officers. This
includes all of the named executives. We predicate the base salary on the executive&#146;s ability,
experience and past and potential performance and contribution to CVB Financial and Citizens
Business Bank. The base salary range is based, in part, on our analysis of salary surveys from the
California Bankers Association and the Salary Information Retrieval System survey prepared by
Organization Resource Counselors, Inc. Furthermore, we establish the base salary so that we will
have the ability to increase these base salaries in future years based on the executive&#146;s
performance.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We will evaluate and adjust each executive&#146;s base salary and incentive compensation, if
appropriate, in subsequent years, based on future salary surveys, comparable salary information and
other considerations. Base salary adjustments and incentive compensation changes for each executive will be predicated primarily on performance. We


<P align="center" style="font-size: 10pt">19
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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">
conduct performance evaluations at least annually. We base the evaluations on results achieved.
These results are measured against specific performance standards established at the beginning or
during the course of the year. For example, specific performance standards include, among other
things, deposit growth, loan growth, fee income, expense control, net earnings, return on equity
and return on assets.



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In 2003, we commissioned a comprehensive salary survey for our senior managers and executive
officers from the Semler Brossy Consulting Group. The salary survey reviewed the competitiveness
of our branch managers&#146; and executive officers&#146; salaries, bonuses, benefits and employment
agreement arrangements against a peer-group of similarly sized, high-performing regional commercial
banking organizations in order to analyze pay and performance for the top executive group against
similar performing banks. The Compensation Committee and the Board of Directors reviewed the
findings and made the appropriate adjustments in salary and bonus potential.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For 2005, we have set the base salaries for our executive officers as follows: Mr.&nbsp;Biebrich,
$245,000, Mr.&nbsp;Basirico, $245,000, Mr.&nbsp;Coleman, $245,000, and Mr.&nbsp;Wiley, $525,000.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, for each of our named executive officers, we provide the use of a bank-owned
automobile. We also pay, for Messrs.&nbsp;Wiley and Coleman, country club dues and for Mr.&nbsp;Coleman,
health club dues. In addition, each executive receives a nominal ($150) year-end bonus card.


<P align="left" style="font-size: 10pt"><B>Bonus</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Our bonus compensation is based on CVB Financial Corp.&#146;s return on equity and other specific
performance criteria under our discretionary performance compensation plan which we adopt each
year. For 2004, bonus compensation was based on CVB Financial Corp.&#146;s return on equity earnings
growth, deposit growth, loan growth, operating efficiency and other specific performance criteria.
The individual performance objectives and standards relate to specific results where the executive
has substantial influence and accountability. CVB Financial Corp. must achieve a minimum return on
equity for anyone to be eligible for a bonus under our performance bonus plan. This criterion
provided for a minimum return on average equity of 15% for 2004. CVB Financial Corp.&#146;s actual
return on average equity for 2004 was 20.3%. In 2004, following analysis of the comprehensive
salary survey described above, the Compensation Committee adjusted upward the maximum potential
bonus eligible to be received by our executive officers under our performance bonus plan as a
percentage of such executives&#146; base salaries. For 2004, Mr.&nbsp;Wiley was eligible to receive up to
150% of his base salary in bonus compensation, and Messrs.&nbsp;Basirico, Coleman and Biebrich were
eligible to receive up to 75% of their base salaries in bonus compensation. We have adopted the
same percentage range for each of Messrs.&nbsp;Wiley, Basirico, Biebrich and Coleman for their bonus
potential for 2005.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We believe that with the adoption of our Executive Incentive Plan (see &#147;Proposal 2&#148;) future
bonus compensation paid to our executive officers will qualify for exclusion under Section 162(m)
of the Internal Revenue Code which limits the deductibility of compensation paid to certain
executive officers.


<P align="center" style="font-size: 10pt">20
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<P align="left" style="font-size: 10pt"><B>Long-Term Incentive Compensation</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have two compensation plans that provide long-term incentives for our executive officers.
They include a Stock Option Plan and a Profit Sharing Plan.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The 2000 Stock Option Plan aligns the interests of key employees, including the named
executives, with those of our shareholders. We provide these employees with an incentive to
achieve superior performance by granting them long-term options to purchase CVB Financial common
stock at a fixed exercise price that equals the fair market value of the underlying stock on the
date of the grant. The Compensation Committee now administers the Stock Option Plan (which was
previously administered by our Stock Option Committee). This committee has the authority to select
the key employees eligible for the stock options and the number of options they will receive. The
members of the Compensation Committee do not utilize any performance goals in determining the
number of options to be granted, nor do they consider the number of options previously granted to
an executive officer. Rather, the members base the award of stock options on their own analysis of
that employee&#146;s contribution to CVB Financial, including an assessment of the employee&#146;s
responsibilities, as well as the employee&#146;s commitment to CVB Financial&#146;s future. The amount of
compensation an optionee may receive pursuant to the option is based solely on an increase in the
value of CVB Financial&#146;s common stock after the date of the grant or award.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In 2004, the Compensation Committee granted 62,500 options to Mr.&nbsp;Wiley, 25,000 options to
Messrs.&nbsp;Basirico, Biebrich and Coleman, and 1,250 options to Mr.&nbsp;Pomplun (all as adjusted for our
stock split declared in December&nbsp;2004). The committee believes that stock options granted under
the 2000 Stock Option Plan qualify for exclusion under Section 162(m) of the Internal Revenue Code,
which limits the deductibility of compensation paid to certain executive officers, as
performance-based compensation. We believe CVB Financial Corp. should be able to continue to
manage its compensation for executive officers so as to preserve the related income tax deductions,
although individual exceptions may occur.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The CVB Financial Corp. 401(k) and Profit Sharing Plan primarily provides retirement benefits
to all eligible employees, including Named Executives. It also has death and disability features.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For Profit Sharing, employees become eligible upon completing at least one year of service and
1,000 hours of employment. Annual contributions are made solely by CVB Financial. These
contributions are entirely discretionary, and are approved by the Board of Directors based on CVB
Financials earnings and return on equity. For 2004, CVB Financial contributed $1.46&nbsp;million or 5%
of total eligible employee base salary and bonus to the Profit Sharing Plan. We allocate
contributions proportionately to the accounts of plan participants based on their base salaries and
bonus. Plan participants become fully vested in these amounts upon reaching seven years of
service.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employees also receive a Qualified Non-Elective Contribution. Employees are fully vested
immediately. Annual contributions are made solely by CVB Financial. These contributions are
guaranteed to eligible 401(k) participants. For 2004, CVB Financial Corp. contributed $1.2&nbsp;million
or 3% of total eligible employee base salary and bonus to the Qualified Non-Elective Contribution.
Of this amount, $30,500 was contributed to the accounts of the


<P align="center" style="font-size: 10pt">21
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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">named executive officers. We allocate contributions proportionately to the accounts of plan
participants based on their base salaries and bonus.



<P align="left" style="font-size: 10pt"><B>Compensation of Our Chief Executive Officer</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Wiley, the President and Chief Executive Officer of CVB Financial and the Bank, received
compensation for his services during 2004 based primarily upon his rights under his employment
agreement with CVB Financial and Citizens Business Bank. We discuss this contract under the
heading &#147;Employment Agreement with Our President and Chief Executive Officer.&#148; Mr.&nbsp;Wiley is also
eligible to receive a discretionary annual bonus pursuant to his employment agreement. We base his
bonus on specific performance achievements as outlined above for other executive officers contained
in our performance bonus plan we adopt each year. He received an annual bonus of $725,000 or
approximately 145% of base salary, for his services in 2004. This bonus was predicated on return
on average equity, deposit growth, loan growth, earnings, non-performing assets and operating
efficiency. In addition to the benefits his employment agreement provides, Mr.&nbsp;Wiley is an
eligible participant in our Profit Sharing Plan and an eligible participant under our 2000 Stock
Option Plan. Mr.&nbsp;Wiley received a vested allocation of $16,400 for 2004 under our 401(k) and
profit sharing plan. This represents his proportionate share of the aggregate employer
contribution authorized by the Board of Directors for 2004. He also received a grant of 62,500
stock options under our 2000 Stock Option Plan (as adjusted for our five-for-four stock split
declared in December&nbsp;2004).

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="50%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated: March&nbsp;18, 2005</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">THE COMPENSATION COMMITTEE</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">GEORGE A. BORBA, Chairman</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">JOHN A. BORBA</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">RONALD O. KRUSE</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">JOHN J. LOPORTO</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">JAMES C. SELEY</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">SAN E. VACCARO</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt"><B>How Do We Compensate Directors?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We compensate our outside directors and the directors of Citizens Business Bank with a fee for
attendance at Board and committee meetings. Each outside director received an annual retainer of
$43,047 (payable in twelve equal installments) for Board and Committee meetings, except for the
Chairman of the Board (Mr.&nbsp;George Borba) who received an annual retainer of $123,000 (payable in
twelve equal installments) for attendance at such meetings. Mr.&nbsp;Wiley does not receive any fees
for serving as a director of CVB Financial or Citizens Business Bank. We paid a total of $381,252
in 2004 as directors&#146; fees.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, all of CVB Financial directors are eligible to participate in CVB&#146;s medical plans
on the same basis as all other employees of CVB and are eligible to receive grants of stock options
under our 2000 Stock Option Plan<B>. </B>We contributed between $6,171 and $7,101 per director as the
Company&#146;s contribution under its medical plans.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In 2004, each outside director was granted options to purchase 31,250 shares of CVB common
stock pursuant to our 2000 Stock Option Plan (as adjusted for our five-for-four


<P align="center" style="font-size: 10pt">22
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">stock split declared in December&nbsp;2004). Mr.&nbsp;Wiley&#146;s compensation (including grant of options
in 2004) is reported above.



<P align="left" style="font-size: 10pt"><B>Compensation Committee Interlocks and Insider Participation</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None of the members of the Compensation Committee has ever been an officer or employee of CVB
Financial or any of its subsidiaries. For information concerning certain related transactions with
George Borba and Mr.&nbsp;John Borba, see &#147;Certain Relationships and Related Transactions.&#148;


<P align="left" style="font-size: 10pt"><B>Performance Graph</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following graph compares the yearly percentage change in CVB Financial&#146;s cumulative total
shareholder return (<I>stock price appreciation plus reinvested dividends</I>) on common stock (i)&nbsp;the
cumulative total return of the Nasdaq National Market; and (ii)&nbsp;a published index comprised by Core
Data Group (formerly Media General Financial Services) of banks and bank holding companies in the
&#147;Pacific States,&#148; which are Alaska, Arizona, California, Hawaii, Montana, Nevada, North Dakota,
South Dakota, Oregon, Utah, Washington and Wyoming (the industry group line depicted below). The
graph assumes an initial investment of $100 and reinvestment of dividends. Points on the graph
represent the performance as of the last business day of each of the years indicated. The graph is
not necessarily indicative of future price performance. On June&nbsp;11, 2001, CVB Financial Corp&#146;s
common stock ceased trading on the American Stock Exchange and began trading on the Nasdaq National
Market System on the following business day.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The graph shall not be deemed filed or incorporated by reference into any filing under the
Securities Act of 1933 or under the Securities Exchange Act of 1934, as amended, except to the
extent that we specifically incorporate this graph by reference.</I>

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<P align="center" style="font-size: 10pt"><B>COMPARE 5-YEAR CUMULATIVE TOTAL RETURN</B>


<DIV align="center" style="font-size: 10pt"><B>AMONG CVB FINANCIAL CORP.,</B></DIV>


<DIV align="center" style="font-size: 10pt"><B>NASDAQ MARKET INDEX AND COREDATA GROUP INDEX</B></DIV>



<P align="center" style="font-size: 10pt"><IMG src="v07420v0742000.gif" alt="(PERFORMANCE GRAPH)">





<P align="center" style="font-size: 10pt">23
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Period Ended December&nbsp;31, 1999 Through December&nbsp;31, 2004


<!-- link1 "COMPARISON OF FIVE YEAR CUMULATIVE TOTAL RETURN" -->
<DIV align="left"><A NAME="009"></A></DIV>

<P align="center" style="font-size: 10pt"><B>COMPARISON OF FIVE YEAR CUMULATIVE TOTAL RETURN</B>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2000</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2001</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2002</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2003</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2004</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">CVB Financial Corp.</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">100.00</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">94.51</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">147.61</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">204.55</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">219.71</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">309.02</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Industry Index</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">100.00</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">115.72</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">131.37</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">127.47</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">193.05</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">235.67</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Nasdaq Market
Index</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">100.00</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">62.85</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50.10</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34.95</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">52.55</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">56.97</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt"><B>Certain Relationships and Related Transactions</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Some of the directors and executive officers of CVB Financial and associates of them were
customers of, and had loans and commitments with Citizens Business Bank and its subsidiary in the
ordinary course of its business during 2004, and we expect such transactions will continue in the
future. All of these loans and commitments were made on substantially the same terms, including
interest rates, collateral and repayment terms, as those prevailing at the time for comparable
transactions with other persons of similar creditworthiness and comply with the provisions of the
Sarbanes-Oxley Act of 2002. In our opinion, these transactions did not involve more than a normal
risk of collectibility or present other unfavorable features.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mr.&nbsp;Steven Borba, son of director John Borba, is employed by Citizens Business Bank as a
non-executive officer. For 2004, his total compensation (including bonus) was $103,090.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the third quarter of 2004, Citizens Business Bank sold the building that housed its
business financial center and wealth management group for approximately $4.6&nbsp;million to an
unaffiliated third party. Mr.&nbsp;Armen Gourdikian, son-in-law of director George Borba, was one of
two real estate brokers with Cushman &#038; Wakefield which represented Citizens Business Bank in the
sale of the building. Cushman &#038; Wakefield received a commission of $115,000 from Citizens Business
Bank in connection with the sale.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the fourth quarter of 2004, Citizens Business Bank also purchased a building to house its
new data processing center for approximately $6&nbsp;million from an unaffiliated third party. Mr.
Gourdikian was one of three real estate brokers with Cushman &#038; Wakefield which represented both
the seller and Citizens Business Bank in the sale of the building. Cushman &#038; Wakefield received a
commission of $300,000 in connection with the sale, all of which was paid by the seller. The total
commissions Cushman &#038; Wakefield received in connection with the two transactions were substantially
less than 1% of Cushman &#038; Wakefield&#146;s gross revenues for 2004.


<P align="center" style="font-size: 10pt">24
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt"><B>Did Directors and Officers Comply with Their Section&nbsp;16(a) Beneficial Ownership Reporting
Compliance Requirements in 2004?</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section&nbsp;16(a) of the Securities Exchange Act of 1934, as amended, requires our executive
officers and directors, and persons who own more than 10% of CVB Financial&#146;s equity securities, to
file reports of ownership and changes in ownership with the Securities and Exchange Commission
(&#147;SEC&#148;). The SEC requires executive officers, directors and greater than 10% shareholders to
furnish to us copies of all Section 16(a) forms they file.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based solely on our review of these reports and of certifications furnished to us, we believe
that during the fiscal year ended December&nbsp;31, 2004, all executive officers, directors and greater
than 10% beneficial owners complied with all applicable Section 16(a) filing requirements, except
for one late filing of a Form&nbsp;4 by each of the directors and the named executive officers (other
than Mr.&nbsp;Pomplun), in connection with their option grants in March&nbsp;2004.

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<DIV align="left"><A NAME="010"></A></DIV>

<P align="center" style="font-size: 10pt"><B>THE BOARD RECOMMENDS A VOTE &#147;FOR&#148; ALL SEVEN NOMINEES FOR DIRECTOR.</B>


<!-- link1 "PROPOSAL 2" -->
<DIV align="left"><A NAME="011"></A></DIV>

<P align="center" style="font-size: 10pt"><B>PROPOSAL 2</B>


<DIV align="center" style="font-size: 10pt"><B>APPROVAL OF EXECUTIVE INCENTIVE PLAN</B></DIV>



<P align="left" style="font-size: 10pt"><B>A. General Summary</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors and Compensation Committee of CVB has approved a new annual
performance-based compensation plan for executives of the Company &#150; the Executive Incentive Plan
(the &#147;Executive Incentive Plan&#148;). A copy of the Executive Incentive Plan is attached hereto as
<U>Annex A</U>. The objective of the Executive Incentive Plan is to reward executives for
outstanding services provided to the Company. In addition, by linking the executive&#146;s overall
compensation to performance established goals, CVB Financial will be able to hold the executives
accountable for their individual performance and CVB Financial&#146;s corporate financial performance.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Executive Incentive Plan is also intended to provide income tax benefits to the Company.
The Executive Incentive Plan is designed to qualify under Section 162(m) as a performance-based
compensation plan. Under Section&nbsp;162(m), compensation in excess of $1,000,000 paid to any of the
chief executive officer and the four most highly compensated officers individually in any year is
not tax deductible by the Company unless the compensation is considered to be performance-based.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Executive Incentive Plan is submitted to the shareholders for approval because under
Section 162(m) shareholder approval of the plan is necessary in order for the Company to qualify
for the tax deduction for the performance-based compensation. Without shareholder approval, the
Company will not implement the Executive Incentive Plan and will not offer awards under the
Executive Incentive Plan to executives. The Company may pay other bonus compensation to executives
that it will not be permitted to deduct as performance-based compensation for federal


<P align="center" style="font-size: 10pt">25
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">income taxes purposes to the extent an executive receives total compensation in excess of
$1,000,000 in any year.



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>B.
Executive Incentive Plan - Plan Summary</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Administration. </B>The Executive Incentive Plan will be administered by the Compensation
Committee (which also serves as the Compensation Committee of the Bank), which consists of
independent directors, who qualify as non-employee directors under Rule&nbsp;16b-3 of the Securities
Exchange Act of 1934, as amended, and as outside directors under Section&nbsp;162(m).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject to the terms of the Executive Incentive Plan, the Committee has sole discretion to:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>select the persons who will receive performance bonuses;</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>determine the terms and conditions of performance bonuses (subject to the
performance bonus limitations);</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>set the performance targets for performance bonuses; and</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>interpret the provisions of the Executive Incentive Plan.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Performance Periods. </B>The performance periods will be single calendar years. At the end of
each year, the Committee will determine the amount of the Executive Incentive Plan awards and the
extent to which performance bonuses are payable for such year.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Criteria For Determining Bonuses; Maximum Bonus. </B>Performance awards will be provided based on
the achievement of specific performance goals related to the following business criteria:


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>deposit growth</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>total deposits</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>earnings growth</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>earnings per share</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>efficiency ratio</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>investment services earnings</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>investment services revenue</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>loan growth</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>total loans</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>net income</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>fee income</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>new trust assets</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>new trust fees</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>nonperforming assets to assets ratio</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>return on assets</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>return on equity</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>trust earnings</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>trust growth</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left">&#149;&nbsp;&nbsp;</TD>
    <TD>trust revenue</TD>
</TR>

</TABLE>

<P align="center" style="font-size: 10pt">26
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="1%" nowrap align="left">&nbsp;&nbsp;&nbsp;</TD>
    <TD>&nbsp;The maximum performance bonus that may be paid to any single executive under the Executive
Incentive Plan for any year is $1,750,000.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Eligibility. </B>The Committee selects the persons to whom performance bonuses will be granted
under the Executive Incentive Plan for each year. Under the Executive Incentive Plan, the
Company&#146;s President, Chief Executive Officer, Executive Vice President and all other senior
officers specifically approved by the Committee are eligible to participate under the plan.
Currently, five individuals are eligible for participation under the plan.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Types of Performance Awards. </B>In all cases, the performance bonuses granted under the
Executive Incentive Plan will be paid out in cash.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Determination of Performance Awards. </B>The amount of the performance bonuses to be paid out to
executives will be determined by the Committee for each year. The Committee has discretion to
determine the schedule for the payout of performance bonuses.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Amendment and Termination of the Executive Incentive Plan. </B>The Board of Directors or the
Committee may amend or terminate the Compensation Plan at any time and for any reason. However,
amendments will be submitted for shareholder approval if necessary or appropriate to continue the
Executive Incentive Plan&#146;s compliance with Section&nbsp;162(m).


<P align="left" style="font-size: 10pt"><B>C. Federal Tax Aspects</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The following is a summary of the general federal income tax consequences to U.S. taxpayers
and CVB Financial for performance bonuses granted under the Executive Incentive Plan. Tax
consequences for any particular individual may be different.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Tax Effect for Executives. </B>A recipient of a performance bonus will be subject to ordinary
income tax on the amount received at the time the performance bonus is paid.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Tax Effect for CVB Financial. </B>CVB Financial generally will receive a tax deduction for any
ordinary income recognized by an executive from a performance bonus. Special rules limit the
deductibility of compensation paid to the Company&#146;s chief executive officer and its four most
highly compensated officers. Under Section&nbsp;162(m), the annual compensation paid to each of these
executives may not be deductible to the extent that it exceeds $1,000,000. However, CVB Financial
may preserve the deductibility of performance-based compensation paid to the executives in excess
of $1,000,000 if the conditions of Section 162(m) are met. These conditions include specifically
defining the basis upon which the total performance-based compensation is measured and upon
shareholder approval of such basis. This limitation permits the Committee to grant awards that
qualify as performance-based for purposes of satisfying the conditions of Section&nbsp;162(m), provided
that the Company&#146;s shareholders approve the Compensation Plan.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder approval of the Executive Incentive Plan is necessary for the plan to be
implemented and for the performance-based compensation paid to the executives under the plan to be
fully deductible by the Company for federal income tax purposes. If shareholder approval is not
given for the Executive Incentive Plan, compensation in excess of $1,000,000 paid to an executive
in any year, including base salary and any other compensation that does not


<P align="center" style="font-size: 10pt">27
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<DIV style="font-family: 'Times New Roman',Times,serif">

<P align="left" style="font-size: 10pt">meet the performance-based conditions of Section&nbsp;162(m), will not be tax deductible by the Company.
Approval of the Executive Incentive Plan requires the favorable vote of the majority of the votes
represented and voting at the Annual Meeting.


<!-- link1 " THE BOARD RECOMMENDS THAT YOU VOTE &#147;FOR&#148; APPROVAL OF THE CVB FINANCIAL CORP. 2005 EXECUTIVE INCENTIVE PLAN" -->
<DIV align="left"><A NAME="012"></A></DIV>

<P align="center" style="font-size: 10pt"><B>THE BOARD RECOMMENDS THAT YOU VOTE &#147;FOR&#148; APPROVAL<BR>
OF THE CVB FINANCIAL CORP. 2005 EXECUTIVE INCENTIVE PLAN.</B>


<!-- link1 "PROPOSAL 3" -->
<DIV align="left"><A NAME="013"></A></DIV>

<P align="center" style="font-size: 10pt"><B>PROPOSAL 3</B>


<DIV align="center" style="font-size: 10pt"><B>RATIFICATION OF APPOINTMENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTANTS</B></DIV>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We have appointed McGladrey &#038; Pullen, LLP as our independent registered public accounting firm
for the year ending December&nbsp;31, 2005. The Audit Committee appoints our independent auditors.
McGladrey &#038; Pullen, LLP who performed our audit services for the year ended 2004, including an
examination of the consolidated financial statements and services related to filings with the
Securities and Exchange Commission, has served as our accountants since June&nbsp;15, 2004. McGladrey &#038;
Pullen, LLP has provided audit services at customary rates and terms. Between 1986, and April&nbsp;30,
2004 Deloitte &#038; Touche, LLP were our auditors.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On April&nbsp;30, 2004, Deloitte &#038; Touche LLP notified CVB Financial that it had declined to stand
for reelection as the Company&#146;s independent auditors. The reports of Deloitte &#038; Touche LLP on the
consolidated financial statements of CVB Financial and its subsidiaries for its fiscal years ended
2002 and 2003 did not contain an adverse opinion or a disclaimer of opinion, nor were they modified
or qualified as to uncertainty, audit scope or accounting principles in any respect. The decision
to decline to stand for reelection was made by Deloitte &#038; Touche LLP and, accordingly, no action
was taken by CVB Financial&#146;s audit committee to recommend or approve this change of accountants.
During the 2002 and 2003 fiscal years and through the interim period ended April&nbsp;30, 2004, there
were no disagreements between CVB Financial and Deloitte &#038; Touche LLP, or other reportable events
as set forth in applicable SEC regulations, on any matter of accounting principles or practices,
internal controls, financial statement disclosure, or auditing scope or procedure, which
disagreements, if not resolved to the satisfaction of Deloitte &#038; Touche LLP, would have caused it
to make reference to the subject matter of the disagreement in connection with its reports.
McGladrey &#038; Pullen, LLP was appointed as CVB Financial&#146;s independent registered public accountants
on June&nbsp;15, 2004 by the Audit Committee.


<P align="left" style="font-size: 10pt"><B>Principal Auditors and Fees</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The aggregate fees CVB Financial Corp. incurred for audit and non-audit services provided by
McGladrey &#038; Pullen, LLP, who acted as our independent registered public accountants for the fiscal
year end December&nbsp;31, 2004 were as follows:


<P align="center" style="font-size: 10pt">28
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<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="80%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2003</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><B>2004</B></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Audit Fees<SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">440,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Audit Related Fees<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">15,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Tax Fees<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">153,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">132,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">All Other Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Total</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">153,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">587,000</TD>
    <TD>&nbsp;</TD>
</TR>
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</TABLE>
</DIV>



<P>
<HR size="1" width="18%" align="left" noshade color="#000000">

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top">
    <TD width="1%" nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%">Audit fees represent fees for professional services provided in connection
with the audit of our financial statements, audit of our internal controls and audit services
provided in connection with statutory and regulatory filings or engagements for those fiscal years.</TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%">Audit-related fees consisted of consultation for review of proxy materials
relating to an acquisition and consultation over financial accounting and reporting standards.</TD>
</TR>

<TR><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD width="1%" nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="96%">Tax fees consist principally of fees for tax returns, Internal Revenue
Service and Franchise Tax Board audits and tax advice related to mergers and acquisitions.</TD>
</TR>

</TABLE>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For professional services rendered by Deloitte &#038; Touche LLP, our principal accountants
through April, 2004, we paid $190,000 in audit fees and $14,000 in audit-related fees for work
performed during our 2003 fiscal year and $25,000 for work performed during our 2004 fiscal year.
The Audit Committee&#146;s pre-approval policy provides for pre-approval of all audit, audit-related and
tax services. Accordingly, all audit services provided by McGladrey &#038; Pullen, LLP were
pre-approved by our committee. The Audit Committee has granted general pre-approval for certain
audit, audit related and tax services. If the cost of any such services exceeds the range of
anticipated cost levels, the services will require specific pre-approval by the Audit Committee.
If any particular service falls outside the general pre-approval, it must also be specifically
approved by the Audit Committee. If specific pre-approval of a service is required, both the
independent auditor and the Company&#146;s Chief Financial Officer must submit a request to the Audit
Committee including the reasons why the proposed service is consistent with the Securities and
Exchange Commission&#146;s regulations on auditor independence. In addition, with respect to each
pre-approved service, the independent auditor is required to provide detailed back-up documentation
which will be provided to the Audit Committee, regarding the specific services to be provided.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The pre-approval policy also authorizes the Audit Committee to delegate to one or more of its
members pre-approval authority with respect to permitted services.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Audit Committee has considered whether the provision of financial information systems
design and implementation services and other non-audit services is compatible with maintaining the
independence of McGladrey &#038; Pullen, LLP.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Representatives of McGladrey &#038; Pullen, LLP will be present at the meeting. They will be
available to respond to your appropriate questions and will be able to make such statements as they
desire. If you do not ratify the selection of independent accountants, the Audit Committee will
reconsider the appointment. However, even if you ratify the selection, the Audit Committee may
still appoint new independent accountants at any time during the year if it believes that such a
change would be in the best interests of CVB Financial and our shareholders.


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<!-- link1 " THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148; THE RATIFICATION OF THE SELECTION OF MCGLADREY &#038; PULLEN, LLP AS THE COMPANY&#146;S INDEPENDENT REGISTERED PUBLIC ACCOUNTANTS FOR 2005" -->
<DIV align="left"><A NAME="014"></A></DIV>

<P align="center" style="font-size: 10pt"><B>THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148; THE<BR>
RATIFICATION OF THE SELECTION OF<BR>
MCGLADREY &#038; PULLEN, LLP AS THE COMPANY&#146;S INDEPENDENT<BR>
REGISTERED PUBLIC ACCOUNTANTS FOR 2005.</B>


<!-- link1 "ANNUAL REPORT" -->
<DIV align="left"><A NAME="015"></A></DIV>

<P align="center" style="font-size: 10pt"><B>ANNUAL REPORT</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Together with this Proxy Statement, CVB Financial has distributed to each of its shareholders
our Annual Report on Form 10-K for the year ended December&nbsp;31, 2004, which includes the
consolidated financial statements of CVB Financial and its subsidiaries and the report thereon of
McGladrey &#038; Pullen, LLP, CVB Financial&#146;s independent registered public accountants. If you did not
receive the Form 10-K (or would like another copy), we will send it to you without charge.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Annual Report on Form 10-K includes a list of exhibits filed with the Securities and
Exchange Commission, but the Form 10-K we have delivered to you does not include the exhibits. If
you wish to receive copies of the exhibits, we will send them to you. Expenses for copying and
mailing will be your responsibility. Please write to:


<P align="left" style="font-size: 10pt">Donna Marchesi, Secretary<BR>
CVB Financial Corp.<BR>
701 North Haven Avenue<BR>
Suite&nbsp;350<BR>
Ontario, California 91764


<P align="left" style="font-size: 10pt">In addition, the Securities and Exchange Commission maintains an internet site at
<U>http://www.sec.gov</U> that contains information we file with them.


<!-- link1 "PROPOSALS OF SHAREHOLDERS" -->
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<P align="center" style="font-size: 10pt"><B>PROPOSALS OF SHAREHOLDERS</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If you wish to submit a proposal for consideration at our 2006 Annual Meeting of Shareholders,
you may do so by following the procedures prescribed in the Securities Exchange Act of 1934, as
amended. To be eligible for inclusion in our proxy statement and proxy materials, our Corporate
Secretary must receive your proposal no later than December&nbsp;10, 2005.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For any proposal that is not submitted for inclusion in next year&#146;s proxy statement (as
described in the preceding paragraph) but is instead sought to be presented directly at next year&#146;s
annual meeting, Securities and Exchange Commission rules permit management to vote proxies in its
discretion if (a)&nbsp;CVB Financial Corp. receives notice of the proposal before the close of business
on February&nbsp;23, 2006 and advises stockholders in next year&#146;s proxy statement about the nature of
the matter and how management intends to vote on the matter, or (b)&nbsp;does not receive notice of the
proposal prior the close of business on February&nbsp;23, 2006.


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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notices of intention to present proposals at the 2006 annual meeting should be addressed to
our Corporate Secretary, CVB Financial Corp., 701 North Haven Avenue, Ontario, California 91764.
We reserve the right to reject, rule out of order, or take other appropriate action with respect to
any proposal that does not comply with these and other requirements.

<DIV align="center">
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    <TD width="48%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="50%">&nbsp;</TD>
</TR>
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<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dated: April&nbsp;8, 2005
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">CVB FINANCIAL CORP.</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><IMG src="v07420v0742002.gif" alt="-s- D. Linn Wiley"></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">D. Linn Wiley<BR>
President and Chief Executive Officer</TD>
</TR>
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</DIV>


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<!-- link1 "ANNEX A" -->
<DIV align="left"><A NAME="017"></A></DIV>

<P align="center" style="font-size: 10pt"><B>ANNEX A</B>



<P align="center" style="font-size: 10pt"><B>CVB FINANCIAL CORP.<BR>
2005 EXECUTIVE INCENTIVE PLAN</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.&nbsp;</B><U>Purpose of Plan</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1 The purpose of the Plan is to promote the success of the Company by providing Participants
with incentive compensation that qualifies as &#147;performance-based compensation&#148; within the meaning
of Section 162(m) of the Code.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>2.&nbsp;</B><U>Definitions and Terms</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 <U>Specific Terms</U>. The following words and phrases shall have the following meanings,
unless a different meaning is plainly required by the context:


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&#147;Board&#148; means the Board of Directors of the Company.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&#147;Bonus&#148; means an award under this Plan of a conditional opportunity to receive a cash
payment if the applicable Performance Targets are satisfied in the applicable Performance Period.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&#147;Business Criteria&#148; means any one or any combination of deposit growth, earnings growth,
earnings per share, efficiency ratio, fee income, investment services earnings, investment services
revenue, loan growth, net income, new trust assets, new trust fees, nonperforming assets to assets
ratio, return on assets, return on equity, total deposits, total loans, trust earnings, trust
growth, or trust revenue.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&#147;Cause,&#148; as such term relates to the termination of any person&#146;s status as an employee or
other service provider of the Company, means the occurrence of one or more of the following: (i)
such person is convicted of, pleads guilty to, or confesses to any felony or any act of fraud,
misappropriation or embezzlement which has an immediate and materially adverse effect on the
Company, as determined by the Board in good faith in its sole discretion; (ii)&nbsp;such person engages
in a fraudulent act to the material damage or prejudice of the Company or in conduct or activities
materially damaging to the property, business or reputation of the Company, all as determined by
the Board in good faith in its sole discretion; (iii)&nbsp;any material act or omission by such person
involving malfeasance or negligence in the performance of such person&#146;s duties to the Company to
the material detriment of the Company, as determined by the Board in good faith in its sole
discretion, which has not been corrected by such person to the satisfaction of the Board within 30
days after written notice from the Company of any such act or omission; (iv)&nbsp;failure by such person
to comply in any material respect with the terms of his employment agreement, if any, or any
written policies or directives of the Board as determined by the Board in good faith in its sole
discretion, which has not been corrected by such person to the satisfaction of the Board within 30
days after written notice from the Company of such failure; or (v)&nbsp;material breach by such person
of any other agreement with the Company, as determined by the Board in good faith in its sole
discretion.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&#147;Code&#148; means the Internal Revenue Code of 1986, as amended.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f)&nbsp;&#147;Committee&#148; means the Compensation Committee of the Board of Directors of CVB Financial
Corporation. The Committee shall consist of at least three (3)&nbsp;members of the Board who are
&#147;outside directors&#148; within the meaning of Section&nbsp;162(m).


<P align="center" style="font-size: 10pt">A-1
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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&#147;Company&#148; means CVB Financial Corporation, including all of its subsidiaries.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h)&nbsp;&#147;Executive&#148; means an employee (including any officer) of the Company who is (or in the
opinion of the Committee may during the applicable Performance Period become) a &#147;covered employee&#148;
for purposes of Section&nbsp;162(m). An Executive holds one or more of the following corporate titles
or management committee designations:

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="88%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chief Executive Officer;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Vice President; and</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Other Senior Officers (nominated for Plan participation by the Chief Executive Officer and
approved by the Committee.)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&#147;Participant&#148; means an Executive selected to participate in the Plan by the Committee.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Performance Period&#148; means the Year or Years (or portions thereof) with respect to which
the Performance Targets are set by the Committee.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(k)&nbsp;&#147;Performance Targets&#148; means the specific objective goals that are timely set in writing by
the Committee pursuant to Section&nbsp;4.2 for each Participant for the applicable Performance Period in
respect of any one or more of the Business Criteria.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(l)&nbsp;&#147;Plan&#148; means this 2005 Executive Incentive Plan, as amended from time to time.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(m)&nbsp;&#147;Section&nbsp;162(m)&#148; means Section 162(m) of the Code, and the regulations promulgated
thereunder, all as amended from time to time.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(n)&nbsp;&#147;Year&#148; means a fiscal year of the Company commencing on or after January 1 that
constitutes all or part of the applicable Performance Period and ends no later than December&nbsp;31.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>3.&nbsp;</B><U>Administration of the Plan</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1 <U>The Committee</U>. The Plan shall be administered by the Committee. The Board shall
have the authority to appoint and remove members of the Committee.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2 <U>Powers of the Committee</U>. The Committee shall have the sole authority to establish
and administer the Business Criteria and Performance Targets and the responsibility of determining
from among the Executives those persons who will participate in and receive Bonuses under the Plan
and the time or times at which and the form and manner in which Bonuses will be paid; and shall
otherwise be responsible for the administration of the Plan, in accordance with its terms. The
Committee shall have the authority to construe and interpret the Plan (except as otherwise provided
herein) and any agreement or other document relating to any Bonuses under the Plan, may adopt rules
and regulations governing the administration of the Plan, and shall exercise all other duties and
powers conferred on it by the Plan, or which are incidental or ancillary thereto.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3 <U>Requisite Action</U>. A majority of the members of the Committee shall constitute a
quorum. The vote of a majority of those present at a meeting at which a quorum is present or the
unanimous written consent of the Committee shall constitute action by the Committee.


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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.&nbsp;</B><U>Bonus Awards</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1 <U>Provision for Bonus</U>. Each Participant may receive a Bonus if the Performance
Targets, relative to the applicable Business Criteria, are attained in the Performance Period. The
applicable Performance Period and Performance Targets shall be determined by the Committee
consistent with the terms of the Plan and Section&nbsp;162(m). Notwithstanding the fact that the
Performance Targets have been attained, the Company may pay a Bonus of less than the amount
determined by the formula or standard established pursuant to Section&nbsp;4.2 or may pay no Bonus at
all, unless the Committee otherwise expressly provides by written contract or other written
commitment.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2 <U>Selection of Performance Targets</U>. The specific Performance Targets with respect
to the Business Criteria must be established by the Committee in advance of the deadlines
applicable under Section 162(m) and while the performance relating to the Performance Targets
remains substantially uncertain within the meaning of Section&nbsp;162(m). At the time the Performance
Targets are selected, the Committee shall provide, in terms of an objective formula or standard for
each Participant, and for any person who may become a Participant after the Performance Targets are
set, the method of computing the specific amount that will represent the maximum amount of Bonus
payable to the Participant if the Performance Targets are attained, subject to Sections&nbsp;4.1, 4.3,
4.6, 5.1 and 6.9. The objective formula or standard shall preclude the use of discretion to
increase the amount of any Bonus earned.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3 <U>Maximum Individual Bonus</U>. Notwithstanding any other provision hereof, no
Executive shall receive a Bonus under the Plan for any one Year in excess of $1.75&nbsp;million.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.4 <U>Selection of Participants</U>. For each Performance Period, the Committee shall
determine, at the time the Business Criteria and the Performance Targets are set, those Executives
who will participate in the Plan.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.5 <U>Effect of Mid-Year Change in Executive Status</U>. If services as an Executive cease
after the commencement of a Performance Period, but the Participant remains employed with the
Company, the Committee may award a Bonus that is proportionately adjusted based on the period of
time during the Performance Period that the Executive is a Participant; the amount of any Bonus
paid to such Participant shall not exceed that proportionate amount of the applicable maximum
individual Bonus under Section&nbsp;4.3. In order to be eligible to participate in the Plan, the
Executive must be employed in an Executive position for at least 90&nbsp;days during the Performance
Period.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.6 <U>Committee Discretion to Determine Bonuses</U>. The Committee has the sole discretion
to determine the standard or formula pursuant to which each Participant&#146;s Bonus shall be calculated
(in accordance with Sections&nbsp;4.1 and 4.2), whether all or any portion of the amount so calculated
will be paid, and the specific amount (if any) to be paid to each Participant, subject in all cases
to the terms, conditions, and limits of the Plan and of any other written commitment authorized by
the Committee. The Committee has the sole discretion to reduce an Executive&#146;s Bonus. The Committee
may not, however, increase an Executive&#146;s Bonus based upon the reduction of another Executive&#146;s
Bonus, or otherwise. To this same extent, the Committee may at any time establish (and, once
established, rescind, waive, or amend) additional conditions and terms of payment of Bonuses
(including but not limited to the achievement of other financial, strategic or individual goals,
which may be objective or subjective) as it may deem desirable in carrying out the purposes of the
Plan and may take into account such other factors as it deems appropriate in administering any
aspect of the Plan. The Committee may not, however, increase the maximum amount permitted to be
paid to any individual under Section&nbsp;4.2 or 4.3 of the Plan or award a Bonus under this Plan if the
applicable Performance Targets have not been satisfied.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.7 <U>Committee Certification</U>. No Executive shall receive any payment under the Plan
unless the Committee has certified, by resolution or other appropriate action in writing, that the
amount


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<P align="left" style="font-size: 10pt">thereof has been accurately determined in accordance with the terms, conditions and limits of
the Plan and that the Performance Targets and any other material terms previously established by
the Committee or set forth in the Plan were in fact satisfied.



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.8 <U>Time of Payment</U>. Any Bonuses awarded by the Committee under the Plan shall be
paid as soon as practicable following the Committee&#146;s determinations under this Section&nbsp;4 and the
certification of the Committee&#146;s findings under Section&nbsp;4.7. Any such payment shall be in cash on
such payment date as the Committee may approve or require, subject to applicable withholding
requirements (as provided in Section&nbsp;4.9).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.9 <U>Tax Withholding</U>. The Company shall withhold from any amounts payable under this
Plan, or from any other compensation payable to the Participant, any and all federal, state and
local income taxes, the Participant&#146;s share of FICA and other employment taxes, and any other taxes
that are required to be withheld from such payment under applicable law.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>5.&nbsp;</B><U>Vesting and Termination of Bonuses</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1 <U>Vesting or Termination</U>. Except as otherwise set forth in the Plan, in the event
of Participant&#146;s termination of employment with the Company during a Performance Period or
thereafter prior to payment of Bonuses relating thereto, each Bonus shall be vested or shall
terminate on such terms and conditions as the Committee shall establish with respect to the Bonus.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2 <U>Termination of Employment for Cause</U>. If a Participant&#146;s employment with the
Company is terminated for Cause or if a Participant engages in misconduct defined as Cause either
before voluntary termination of employment or after termination of employment, any Bonus held by
such Participant shall terminate immediately upon the Company giving notice to the Participant
either of Participant&#146;s termination of employment for Cause or that the Participant has engaged in
misconduct defined as Cause. The Committee shall be the sole judge of whether the Participant&#146;s
termination of employment for Cause or the Participant has engaged in misconduct defined as Cause.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>6.&nbsp;</B><U>General Provisions</U>.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.1 <U>No Right to Bonuses or Continued Employment</U>. Neither the establishment of the Plan
nor the provision for or payment of any amounts hereunder nor any action of the Company (including,
for purposes of this Section&nbsp;6.1, any predecessor), the Board, or the Committee in respect of the
Plan shall be held or construed to confer upon any person any legal right to receive, or any
interest in, a Bonus or any other benefit under the Plan, or any legal right to be continued in the
employ of the Company. The Company expressly reserves any and all rights to discharge an Executive
in its sole discretion, without liability of any person, entity, or governing body under the Plan
or otherwise. Nothing in this Section&nbsp;6.1, however, is intended to adversely affect any express
independent right of any person under a separate employment agreement. Notwithstanding any other
provision hereof and notwithstanding the fact that the Performance Targets have been attained
and/or the individual maximum amounts hereunder have been calculated, the Company shall have no
obligation to pay any Bonus hereunder nor to pay the maximum amount so calculated or any prorated
amount based on service during the period, unless the Committee otherwise expressly provides by
written contract or other written commitment.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2 <U>Discretion of Company, Board, and Committee</U>. Any decision made or action taken by
the Company or by the Board or by the Committee arising out of or in connection with the creation,
amendment, construction, administration, interpretation, and effect of the Plan shall be within the
absolute discretion of such entity and shall be conclusive and binding upon all persons. No member
of the Committee shall have any liability for actions taken or omitted under the Plan by the member
or any other person.


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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.3 <U>Arbitration</U>. All claims, disputes and other matters in question arising out of or
relating to this Plan shall be resolved by binding arbitration before an arbitrator, selected by
the mutual agreement of the parties, from the Judicial Arbitration and Mediation Services, Inc.
(&#147;JAMS&#148;), in Ontario, California. In the event JAMS is unable or unwilling to conduct the
arbitration provided for under the terms of this paragraph, or has discontinued its business, the
parties agree that an arbitrator, selected by the mutual agreement of the parties, from the
American Arbitration Association (&#147;AAA&#148;), in Ontario, California, shall conduct the binding
arbitration referred to in this paragraph. Notice of the demand for arbitration shall be filed in
writing with the other party to the dispute and with JAMS (or AAA, if necessary). In no event
shall the demand for arbitration be made after the date when institution of legal or equitable
proceedings based on such claim, dispute or other matter in question would be barred by the
applicable statute of limitations. The arbitration shall be subject to commercial rules and
procedures used or established by JAMS, or if there are none, the commercial rules and procedures
used or established by AAA. Notwithstanding anything to the contrary in the JAMS (or AAA) rules
and procedures, the arbitration shall provide for (i)&nbsp;written discovery and depositions adequate to
give the parties access to documents and witnesses that are essential to the dispute and (ii)&nbsp;a
written decision by the arbitrator that includes the essential findings and conclusions upon which
the decision is based. Subject to Section&nbsp;6.4 below, the parties shall bear their own costs and
attorneys&#146; fees incurred in conducting the arbitration, and shall split equally the fees and
administrative costs charged by the arbitrator and JAMS (or AAA) unless required otherwise by
applicable law. Any award rendered by JAMS (or AAA) shall be final and binding upon the parties,
and as applicable, their respective heirs, beneficiaries, legal representatives, agents, successors
and assigns, and may be entered in any court having jurisdiction thereof. Any arbitration
hereunder shall be conducted in Ontario, California, unless otherwise agreed to by the parties.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.4 <U>Attorneys Fees</U>. In the event of any arbitration or litigation concerning any
controversy, claim, or dispute arising out of or relating to this Plan, the prevailing party shall
be entitled to recover from the non-prevailing party reasonable expenses, attorneys&#146; fees, and
costs incurred in connection therewith or in the enforcement or collection of any judgment or award
rendered therein. The &#147;prevailing party&#148; means the party determined by the arbitrator(s) or court,
as the case may be, to have most nearly prevailed, even if such party did not prevail in all
matters, not necessarily the one in whose favor a judgment is rendered.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.5 <U>No Funding of Plan</U>. The Company shall not be required to fund or otherwise
segregate any cash or any other assets, which may at any time be paid to Participants under the
Plan. The Plan shall constitute an &#147;unfunded&#148; plan of the Company. The Company shall not, by any
provisions of the Plan, be deemed to be a trustee of any property, and any rights of any
Participant or former Participant shall be no greater than those of a general unsecured creditor or
shareholder of the Company, as the case may be.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.6 <U>Non-Transferability of Benefits and Interests</U>. Except as expressly provided by
the Committee, no benefit payable under the Plan shall be subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance or charge, and any such attempted
action shall be void and no such benefit shall be in any manner liable for or subject to debts,
contracts, liabilities, engagements or torts of any Participant or former Participant. This
Section&nbsp;6.6 shall not apply to an assignment of a contingency or payment due (i)&nbsp;after the death of
a Participant to the deceased Participant&#146;s legal representative or beneficiary or (ii)&nbsp;after the
disability of a Participant to the disabled Participant&#146;s personal representative.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.7 <U>Law to Govern</U>. All questions pertaining to the construction, regulation,
validity, and effect of the provisions of the Plan shall be determined in accordance with the laws
of the State of California.


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<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.8 <U>Non-Exclusivity</U>. The Plan does not limit the authority of the Company, the Board,
or the Committee, to grant awards or authorize any other compensation to any person under any other
plan or authority.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.9 <U>Section&nbsp;162(m) Conditions; Bifurcation of Plan</U>. It is the intent of the Company
that the Plan and Bonuses made hereunder satisfy and be interpreted in a manner, that, in the case
of Participants who are persons whose compensation is subject to Section&nbsp;162(m), satisfies any
applicable requirements as performance-based compensation. Any provision, application or
interpretation of the Plan inconsistent with this intent to satisfy the standards in Section 162(m)
of the Code shall be disregarded. Notwithstanding anything to the contrary in the Plan, the
provisions of the Plan may at any time be bifurcated by the Board or the Committee in any manner so
that certain provisions of the Plan or any Bonus intended (or required in order) to satisfy the
applicable requirements of Section 162(m) are only applicable to persons whose compensation is
subject to Section&nbsp;162(m).


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>7.&nbsp;</B><U>Amendments, Suspension or Termination of Plan</U>. The Board or the Committee may from
time to time amend, suspend, or terminate in whole or in part, and if suspended or terminated, may
reinstate, any or all of the provisions of the Plan. Notwithstanding the foregoing, no amendment
shall be effective without Board and/or shareholder approval if such approval is necessary to
comply with the applicable provisions of Section&nbsp;162(m).


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<P align="left" style="font-size: 10pt">(Side 1 of Card)



<P align="center" style="font-size: 10pt"><B>CVB FINANCIAL CORP.<BR>
REVOCABLE PROXY FOR THE ANNUAL MEETING OF SHAREHOLDERS TO BE HELD<BR>
MAY 18, 2005</B>



<P align="center" style="font-size: 10pt"><B>THE BOARD OF DIRECTORS IS SOLICITING THIS PROXY</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I/we hereby nominate, constitute and appoint John A. Borba, John J. LoPorto and James C.
Seley, and each of them, their attorneys, agents and proxies, with full powers of substitution to
each, to attend and act as proxy or proxies at the 2005 Annual Meeting of Shareholders of CVB
FINANCIAL CORP. which will be held at the Ontario Convention Center, 2000 Convention Center Way,
Ontario, California 91764, on Wednesday, May&nbsp;18, 2005, at 7:00 p.m., and at any and all
postponements or adjournments thereof, and to vote as I/we have indicated the number of shares
which I/we, if personally present, would be entitled to vote.


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Nominees: George A. Borba, John A. Borba, Ronald O. Kruse, John J. LoPorto, James C. Seley,
San E. Vaccaro and D. Linn Wiley.</B>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.&nbsp;ELECTION OF DIRECTORS</B>.


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT> &nbsp;&nbsp;&nbsp;</TD>
    <TD>FOR all nominees listed above (except as indicated to the contrary below).
Discretionary authority to cumulate votes is granted to the Board.</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD>WITHHOLD AUTHORITY to vote for all nominees listed above.</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INSTRUCTION: TO WITHHOLD AUTHORITY to vote for any individual nominee(s), strike that
nominee&#146;s(s&#146;) name from the list above.


<P align="center" style="font-size: 1px"><HR size="1" noshade width="26%" align="center" color="#000000">



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>2.&nbsp;APPROVAL OF 2005 EXECUTIVE INCENTIVE PLAN</B>


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD>FOR</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD>AGAINST</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD> ABSTAIN</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>3.&nbsp;RATIFICATION OF APPOINTMENT OF MCGALDREY &#038; PULLEN, LLP </B>as independent registered public
accountants of CVB Financial Corp. for the year ending December&nbsp;31, 2005.


<P>
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD> FOR</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD> AGAINST</TD>
</TR>

<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="4%" nowrap align="left"><FONT style="font-family: Wingdings">&#168;</FONT>&nbsp;&nbsp;&nbsp;</TD>
    <TD> ABSTAIN</TD>
</TR>

</TABLE>


<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.&nbsp;OTHER BUSINESS</B>. In their discretion, the Proxies are authorized to vote upon such other
business as may properly come before the Meeting and at any and all adjournments thereof. <B>If any
other matter is presented, your proxies will vote in accordance with the recommendation of the
Board of Directors, or, if no recommendation is given, in their own discretion. </B>The Board of
Directors at present knows of no other business to be presented at the Annual Meeting.


<P align="center" style="font-size: 10pt"><B>PLEASE SIGN AND DATE ON REVERSE SIDE</B>



<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<P align="left" style="font-size: 10pt">(Side 2 of Card)



<P align="center" style="font-size: 10pt"><B>PLEASE SIGN AND DATE BELOW</B>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I/we hereby ratify and confirm all that said attorneys and proxies, or any of them, or their
substitutes, shall lawfully do or cause to be done because of this proxy, and hereby revoke any and
all proxies I/we have given before to vote at the meeting. I/we acknowledge receipt of the Notice
of Annual Meeting and the Proxy Statement which accompanies the notice.


<P align="left" style="font-size: 10pt">Dated: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2005



<P align="left" style="font-size: 10pt">Signed: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>



<P align="left" style="font-size: 10pt">Signed: <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>



<P align="left" style="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please date this Proxy and sign above as your name(s) appear(s) on this card. Joint owners
should each sign personally. Corporate proxies should be signed by an authorized officer.
Executors, administrators, trustees, etc., should give their full titles.


<P align="left" style="font-size: 10pt">THE BOARD OF DIRECTORS RECOMMENDS A VOTE &#147;FOR&#148; THE ELECTION OF DIRECTORS NOMINATED BY THE BOARD OF
DIRECTORS, &#147;FOR&#148; APPROVAL OF THE EXECUTIVE INCENTIVE PLAN AND &#147;FOR&#148; RATIFICATION OF THE APPOINTMENT
OF MCGLADREY &#038; PULLEN, LLP. THE PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED AS DIRECTED. IF NO
DIRECTION IS MADE, IT WILL BE VOTED &#147;FOR&#148; THE ELECTION OF DIRECTORS NOMINATED BY THE BOARD OF
DIRECTORS, &#147;FOR&#148; THE EXECUTIVE INCENTIVE PLAN AND &#147;FOR&#148; RATIFICATION OF THE APPOINTMENT OF
MCGLADREY &#038; PULLEN, LLP.




<P align="center" style="font-size: 10pt">&nbsp;
</DIV>

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