SAN DIEGO, CA -- 10/14/2005 -- BofI Holding Inc. (NASDAQ: BOFI) today announced that its Chief Executive Officer, Gary Lewis Evans, and CFO, Andrew Micheletti, will present at Instream Partners LLC’s fourth annual "Value Below the Radar" conference at 10:00 a.m. PDT on Tuesday, October 18, 2005. The conference is being held at the Park Hyatt in San Francisco, California.

Instream Partners LLC describes their conference as "Value Below the Radar," which "highlights companies exhibiting strong growth and/or value characteristics, with market capitalizations below $500 million."

The presentation will be webcast live and may be accessed at BofI’s website, http://www.bofiholding.com. A replay of the webcast will be available on the website for 30 days beginning the afternoon of the presentation.

Interested parties and institutional investors may register for the conference by visiting the conference website at http://www.instreampartners.com/registration.shtml online or by calling Instream Partners at 415-217-6400.

About 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:
BofI Holding, Inc.               CCG Investor Relations
Gary Lewis Evans, CEO            Crocker Coulson, President
858-350-6213                     310-231-8600 ext 103
Gary@BankofInternet.com          crocker.coulson@ccgir.com