Recommended JOY NOW PASS includes all public sessions $75, at the door
$80.
since 1974. IT experts Gene
Kim, Kevin Behr and George Spafford will discuss how key controls add
value that exceeds the cost to implement, audit, and generate reports.

balsekar nisargadatta

Power lies in
the ability to surrender to the NOW.

ramesh neelam

SCOTTSDALE, Ariz. "It's no
coincidence that the Company's stock has performed strongly, given the
performance of the Bank," commented Ed Carpenter, Chairman and CEO of
Carpenter and Company. "We're
committed to building the premier financial services company in our
market, and in doing so, strive to generate a meaningful return for
our loyal shareholders," he further added.
"This Learning Series provides actionable information and
effective strategies to help organizations balance risk with
compliance and ensure a competitive advantage with IT," said Jeanette
Slepian, President of BetterManagement.

shankara sadan

nisargadatta sadan

" The JOY NOW event transforms problematic life situations to
realize harmony.
According to Katie Davis, "We have the capability to directly experience
that we are not our minds and that there is a clear and pragmatic way out of
psychological suffering into our authentic, true power and peace. JOY NOW points to getting over the false
sense of self that is based on time to realize the indestructible happiness
that underlies life circumstances.com/streamline includes an array of valuable
resources, including business management articles, live and archived
Webcasts, recommended books and other e-learning courses.

advaita duality

"
Through Self-inquiry and an acute focus on the NOW, joy begins emerging
into life situations effortlessly .S. There is no
charge to participate in a Learning Series.

sadan adyashanti

She
teaches throughout the West Coast , the Southwest, Hawaii, British Columbia or
wherever invited.00 per share, the Bank's stock has
steadily climbed to $37.
Focus on these controls helps organizations satisfy compliance
requirements and regain agility.

nirmala chinmaya

a reminder to be truly present in our lives and liberated
from our past and future . More info at: http://www.00 per share as of March 31, 2005. "There is little margin for
error in today's complex IT environments."
The centerpiece of the IT Management Learning Series is a special
45-minute Webcast on March 29, "Sustainable Compliance: How Do You
Recover Agility After Compliance Has Bled You Dry?".

balsekar duality

@ $40, $45 at the door;
Individual Sessions April 25-26, $75, all at Vision Quest Books 2225
N. Katie teaches with the blessings of Eckhart Tolle and the
confirmation of Gangaji .
"Every single employee has an ownership stake in the Company, and
as a result, the entire team is focused on the realization of our
strategic plan," said Michael Perry, President and CEO.
Founded by several of San Diego's most respected banking veterans
and business leaders, San Diego Trust Bank is dedicated to the
timeless principles of superior local market knowledge, unparalleled
service , and building exceptional shareholder value.

shankara foreword

org

devotee nisargadatta

Oprah Winfrey in "O, The Oprah Magazine " speaks of Eckhart Tolle's Power
of NOW as, " .

Business Editors

SAN DIEGO----

Board Declares 3 for 2 Split for Shareholders

San Diego Trust Bank (OTCBB:SDBK ) announced today that its Board
of Directors has declared a 3 for 2 stock split of its common stock to
be paid to shareholders of record as of April 26th, 2005.

duality iiib

The thinking mind fixates on the
past and projects concepts of the past into future experience. Scottsdale Rd in Scottsdale.

San Diego Trust Bank Announces Stock Split

The Company's stock has increased in trading value since being
listed on the Over-the-Counter Bulletin Board in January of 2004. Carpenter and Company is regarded as the
foremost authority on the formation and capitalization of new banks in
California, having chartered 500 new banks throughout the western U. "There was a tremendous amount of demand for the Company's
common stock during their capital campaign, and that demand has
obviously continued to grow as Mike's team moves forward with the
implementation of their plan," he continued.----

Online Learning Series Addresses Information Technology
Processes to Enable Competitive Advantage

The questions that keep IT executives and managers awake at night:
How do I balance risk and compliance in a complex IT environment? How
do I enable agility while satisfying compliance requirements? Is there
an optimal strategy for managing change to ensure competitive
advantage?
BetterManagement , the comprehensive Internet resource for business
management insights, is offering a free, self-paced Learning Series
entitled Streamlining IT Processes to Enable Downstream Competitive
Advantage . BetterManagement is based in Beaverton, Oregon, and has
offices in the United Kingdom, Germany and Australia.

iiib sadan

The Bank disclaims
any obligation to update any such factors or to publicly announce the
results of any revisions to any forward-looking statements contained
herein to reflect future events or developments. All business management
articles and live and archived Webcasts are free with Full Media
registration.

nisargadatta moksha

advaitasatsang.

indological balsekar

The result? More
joy, right now!"
By getting over the thinking mind, JOY NOW teaches how to be awake and
joyfully peaceful; free of negative emotion . To pre-register or to schedule an appointment, call (480) 949-1888. It is anticipated that the additional shares will be issued
during the month of May, with any fractional shares that may result
paid in cash.
San Diego Trust Bank commenced operations on October 30, 2003
following one of the most successful capital campaigns of any
community bank in the history of San Diego.sandiegotrust. Learn more and register at
www. Information is organized to
accelerate knowledge of best practices and highlight successes
worldwide.

ramana nisargadatta

. Each
shareholder will receive one additional share for every two that they
own. From
its initial offering price of $10."
For more information on the Bank, please visit
www.BetterManagement. Please visit
www.com

advaita nirmala

It can transform your thinking.

Specific factors include,
but are not limited to, loan production, balance sheet management,
expanded net interest margin, the ability to control costs and
expenses, interest rate changes and financial policies of the United
States government and general economic conditions.BetterManagement.

shankara chinmaya

Business Editors/Technology Writers

BEAVERTON, Ore.

moksha devotee

" JOY NOW and Satsang teacher, Katie Davis, offers workshops
based on the Power of NOW, her spontaneous awakening in 1986, the tradition of
Ramana Maharshi and her new book, "Awake Living Joy: The Essence of Spiritual
Enlightenment. The California Department of Financial Institutions has
approved the split, and will be effective with the filing with
Secretary of State.
"We could not be more pleased with the performance of the Bank
during the past year and are proud of the fact that we can provide
measurable recognition for the continued support and confidence of our
shareholders," commented Larry Willette, the Bank's Chairman of the
Board. The Bank turned profitable
after just eleven months of operation and has been profitable each
successive month thereafter. Success requires more than
guesswork and gut instinct -- it takes knowledge, insight and
strategy.

turyap indological

m. With over three
hundred years of experience in banking San Diegans, timely local
decision making, and one of the most comprehensive product lines found
in the market today, San Diego Trust Bank delivers "Performance You
Can Trust.

neelam unmasking

About BetterManagement

BetterManagement is a unique mix of educational activities
combining interactive web resources and live conferences which
connects decision makers with relevant information.

moksha prabuddha

'JOY NOW' Based on the Teaching of Eckhart Tolle

, A life filled with true joy,
inner peace, and deep connection to self and others can be realized here and
now writes Eckhart Tolle in his internationally acclaimed bestseller, "The
Power of NOW.. Actual results may
differ materially from stated expectations .

ramesh advaita

com

FORWARD-LOOKING STATEMENTS

Statements concerning future performance, developments or events,
expectations for growth and income forecasts, and any other guidance
on future periods , constitute forward-looking statements that are
subject to a number of risks and uncertainties.com /ITWebcast
The three-part self-paced learning series at
www. Global
perspectives from respected publications, associations and academic
institutions form a learning path on critical issues.bettermanagement .

unmasking nisargadatta

m. $10, $15 at the
door; Saturday-Sunday, April 23-24, 2-5 p.

About the Teacher
Katie Davis, author of "Awake Living Joy," currently resides on Maui. No other independent community bank in
San Diego County has achieved such results, according to industry
sources.

Free Internet Course Focuses on Crucial Strategies for Information Technology Management

chinmaya sadan

"JOY NOW" Satsang Intensive Friday, April 22, 7-8:30 p. BetterManagement
also produces extensive Webcasts.