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BofI Federal Bank, a diversified financial services company, with approximately $5.8 billion in assets provides innovative banking and lending products and services to our personal and business banking customers throughout the United States. We operate our bank from a single location headquartered in San Diego, California. Because we do not incur the significantly higher fixed operating costs inherent in a branch-based distribution system, we are able to provide a better value to our customers. This means our interest rates on deposit products are generally among the highest available and our loan products feature low rates and fees. We distribute our deposit ...

BofI Federal Bank, a diversified financial services company, with approximately $5.8 billion in assets provides innovative banking and lending products and services to our personal and business banking customers throughout the United States. We operate our bank from a single location headquartered in San Diego, California. Because we do not incur the significantly higher fixed operating costs inherent in a branch-based distribution system, we are able to provide a better value to our customers. This means our interest rates on deposit products are generally among the highest available and our loan products feature low rates and fees. We distribute our deposit products through a wide range of retail distribution channels and distribute our loan products through retail, correspondent and wholesale channels. Our capital markets division focuses on the origination of commercial and industrial loans in target vertical markets as well as bulk loan purchases and sales to help our customers diversify loan portfolios, generate fee income and manage their balance sheets.

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