Operator

Good morning, and welcome to the CVB Financial Corp, 2026 Annual Meeting of Shareholders. [Operator Instructions]

Please note this event is being recorded. As a reminder, kindly silence your phone or device. I would now like to turn the conference over to David Brager, Chief Executive Officer of CVBF and Citizens Business Bank. Please go ahead.

David Brager
CEO & Director

Thank you, and good morning, and welcome to our 51st Annual Meeting of Shareholders for CVBF. I'm David Brager, the Chief Executive Officer of CVBF and Citizens Business Bank. I would like to announce that how Oswalt, Chairman of the Board, will preside over the meeting and that Dana Rees will serve as Assistant Secretary of the meeting. Any shareholder attending this meeting in person who wishes to vote their shares in person, or has not yet submitted their proxy, should please see Dana Rees, who is to my left. I would like to introduce Hal Oswalt to say a few words.

Hal Oswalt

Thank you, Dave. I would like to extend a warm welcome to our shareholders and in particular, our new shareholders who have come to us as a result of our merger with Heritage Commerce Corp and Heritage Bank of Commerce, which closed on April 17, 2026. While our merger with Heritage was completed after the day for shareholder voting, at this annual meeting of CVB Financial, I want to reiterate how excited we are to combine our 2 organizations and to celebrate the addition of Heritage's stellar associates and customers to create a more powerful and extended banking franchise.

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