Press Release

B of I Holding, Inc. to Name Michael A. Chipman and John Gary Burke to Board of Directors

Company Release - 10/20/2005

SAN DIEGO, CA -- (MARKET WIRE) -- 10/20/05 -- B of I Holding, Inc. (NASDAQ: BOFI) today announced that Michael A. Chipman and J. Gary Burke have joined the Company's Board of Directors.

Michael A. Chipman is the founder of Chipsoft, Inc., the original owner and developer of TurboTax, the leading income tax preparation software program for consumers and small businesses. Mr. Chipman was the creative force behind the TurboTax concept, and developed and produced the software program out of his home in San Diego. Mr. Chipman served as President and CEO of Chipsoft, Inc. until 1990 and as Vice Chairman until 1993 when ChipSoft, Inc. merged with Intuit, Inc. Since that time, he has managed a variety of family investments and has ownership interests in various commercial real estate and technology companies and is an owner of the Arizona DiamondbacksMajor League Baseball franchise. In addition to serving on B of I's Board of Directors, Mr. Chipman will serve as the Chair of the Technology committee.

Commenting on his appointment, Mr. Chipman said, "I am pleased to be joining the B of I team and look forward to heading the Technology committee. B of I's proprietary software and integrated systems demonstrate the power of technology and the ways it can be utilized to provide value to consumers."

J. Gary Burke has extensive experience in the oil business and in real estate development. He is the President and sole shareholder of Truck World, Inc., a wholesale and retail petroleum marketing company that he founded in 1972. In 1980, Mr. Burke acquired four pipeline terminals on the Buckeye Pipeline System and gained expertise in distribution including scheduling, trading and hedging. He is also President and sole shareholder of J. Gary Burke Corporation, a real estate holding company that owns and manages properties in various states.

Gary Lewis Evans, CEO of B of I Holding, Inc., commented, "We are honored to have directors of this stature join B of I's Board. Our proprietary technology plays a vital role at our bank, and Michael Chipman's substantial expertise in this area will enhance our technology and software systems. J. Gary Burke provides B of I with years of management experience and expertise in both commercial real estate and the oil industry. These appointments demonstrate our commitment to developing a strong and independent Board of Directors as we continue to grow our bank's asset base to $1 billion over the next two years."

About B of I Holding, Inc.

B of I Holding, Inc. (the Company) is the holding company of Bank of Internet USA and trades on NASDAQ under the symbol BOFI. The Bank of Internet USA is a consumer focused, FDIC insured, nationwide savings bank operating primarily over the Internet. It offers a variety of consumer banking services, focusing primarily on gathering retail deposits over the Internet and originating and purchasing multifamily and single-family loans and mortgage securities. Bank of Internet offers it products through its websites at www.BofI.com and www.ApartmentBank.com.

Contact:
B of I Holding, Inc.
Gary Lewis Evans
CEO
858-350-6213
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CCG Investor Relations
Crocker Coulson
President
310-231-8600 ext 103
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