BOFI Holding, Inc
Bank of Internet Opens Community Web Site for Seniors


SAN DIEGO, CA -- Jan 5, 2006 -- In another first, Bank of Internet USA, a subsidiary of B of I Holding Inc.(NasdaqNM launches a new Internet Banking Community for seniors that provides information and online services specifically for seniors' needs in banking and personal finance: www.seniorbofi.com.

The bank site builds an interactive community, the SeniorBofI Blog, for those interested in sharing communications regarding financial or money saving issues. In addition, the site lists useful links from online stores, mortgage services and organizations targeted to seniors.

Seniors can open new accounts at SeniorBofI.com as well as access existing accounts to manage funds, see account balances or print checks. Easy to understand User instructions for banking online are on the site. Telephone assistance is also available.

"Our customer service representatives are available to answer questions or help guide you through learning the Internet banking process," said Gary Lewis Evans President and CEO of Bank of Internet USA. "Self-service Internet banking from home is the wave of the future. The goal of BofI is to make banking convenient and cost effective for everyone with Internet access. This new Senior banking community is a first step in our demographic marketing strategy."

See SeniorBofI.com for detailed descriptions and interest rates for the BofI Senior Checking Account, a free-of-charges service for seniors 50 and older. Other products, such as saving accounts, CD accounts, and loans, are featured on the site. As a grand opening special, the service charge free Senior Checking Account will have an introductory rate of 3.50% APY on balances up to $25,000.

Additional information about Bank of Internet USA's senior banking services is available at www.seniorbofi.com.

About B of I Holding, Inc.

B of I Holding, Inc. is the holding company of Bank of Internet USA and trades on NASDAQ under the symbol BOFI. The San Diego-based 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, seniorbofi.com and www.ApartmentBank.com.