"

For more information on the Partner Organizations in this new MOU, please
visit their respective websites:
* Asian Harm Reduction Network (AHRN) at http://www.

devotee balsekar

"
"Both AHF and AHRN are concerned about the lack of access to quality
health services for HIV infected NIDUS and IDUS throughout Asia," said Henry
E. AHF, which has more than 18 years experience
providing HIV/AIDS medical care at its clinics and hospice in the US (and for
over four years at its global clinics in Africa, Central America and Asia)
oversees the HIV/AIDS clinical care; SVYM, handles the social service,
organizational and operational needs on the local level.org

Actual results may
differ materially from stated expectations. 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.

neelam samata

Ton Smits, Executive Director of the Asian Harm
Reduction Network. AHRN's prior
involvement in the World Health Organization's study on 'Scaling up the
Provision of Antiretroviral Drugs (ARV) to Injecting Drug Users' and our long
working experience and extensive network of organizations and individuals in
the region provide an ideal platform for working together with AHF to scale up
access to ARV by NIDUS and IDUS throughout Asia.00 per share, the Bank's stock has
steadily climbed to $37.00 per share as of March 31, 2005.

adyashanti chinmaya

"

The objectives of the new initiative under this Memorandum of
Understanding between AIDS Healthcare Foundation and Asian Harm Reduction
Network are:

* To initiate a joint collaborative project to establish free ARV
delivery services for HIV infected NIDUS and IDUS through the creation
of linkages and networks,

* To generate innovative multi strategic plans for ART scale up,
technical cooperation to enhance and better the quality of life for
those infected and affected in Asia.

shankara samata

ahrn.aidshealth.

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.

prabuddha indological

AHF, under its AHF Global program, has also previously joined forces in
Asia (starting in July 2004) with Swami Vivekananda Youth Movement (SVYM), in
India to provide ART to patients at clinic facilities in Mysore and Koppal in
Karnataka State in Southern India.

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.

nirmala devotee

It has established the
Country's first sub district level voluntary counseling and testing center
(VCTC), the Country's first rural blood storage center, and the country's
first sub district level prevention of mother to child transmission program
(PMTCT). 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.

ramesh shastri

"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. 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.

unmasking sadan

"We are very pleased to announce that we have recently signed a memorandum
of understanding to work closely together with the Asian Harm Reduction
Network to scale up ART delivery to HIV infected drug users throughout Asia, a
partnership that came about as a result of our discussions with Mr."
The Alma Ata Declaration on Health for All (1978) strongly reaffirms that
health, which is a state of complete physical, mental and social wellbeing,
and not merely the absence of disease or infirmity, is a fundamental human
right and that the attainment of the highest possible level of health is a
most important world-wide social goal whose realization requires the action of
many other social and economic sectors in addition to the health sector. 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.

ramana prabuddha

By working together,
the two agencies also hope to generate innovative multi strategic plans for
ART scale up, as well as generate and encourage technical cooperation to
enhance and better the quality of life for those infected and affected in
Asia.
since 1974 .

duality prabuddha

"We believe that the synergy of AHF and AHRN will heighten
the awareness of ART treatment and have a positive impact by helping improve
access to HIV/AIDS care and treatment in the region, especially among those in
marginalized groups such as the HIV infected IDUS and NIDUS who may need AIDS
treatment . "Increased access to ARV will contribute to stabilizing
their health and lives, and assist them in exercising their basic human rights
as embedded in the Alma Ata Declaration on Health for All . As of November 2005, close to 400 clients
were receiving life-saving anti-retroviral treatment and care through the
partnership's clinic in Mysore in the Government District Hospital as well as
at the Koppal facility. Each
shareholder will receive one additional share for every two that they
own.

iiib duality

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. From
its initial offering price of $10.

vedanta sadan

chinmaya ramana

US' Largest AIDS Organization Teams With Respected Global Information and
Support Network Working Throughout Asia to Stop HIV Among Injection Drug Users

Partnership 's Goal: Scale Up of Free ART for Injecting and Non-injecting Drug
Users

NEW DEHLI, India and LOS ANGELES, AIDS Healthcare
Foundation (AHF), the largest AIDS organization in the United States, which
operates free AIDS treatment clinics in the US, Africa , Central America, and
Asia (including two clinics in India) and the Asian Harm Reduction Network
(AHRN), a global information and support network created to link and support
people and programmes working throughout Asia to stop HIV among (injecting)
drug users, announce a groundbreaking new partnership that will bring
life-saving anti-retroviral therapy (ART) to HIV infected non-injecting
(NIDUS ) and injecting drug users (IDUS) throughout Asia. "We are honored to partner with Mr. The California Department of Financial Institutions has
approved the split, and will be effective with the filing with
Secretary of State. "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.

foreword adyashanti

AIDS Healthcare Foundation Partners With the Asian Harm Reduction Network to Bring Free Anti-Retroviral Treatment (ART) to HIV Infected Drug Users in Asia

duality advaita

Chang, AHF Chief of Global Affairs in a statement from the AHF Global
secretariat in Amsterdam. "We now look forward to a long, continued and successful partnership
with Asian Harm Reduction Network in the scale up and provision of ART to IDUS
and NIDUS throughout Asia as well as continuing the fight against new
infections among this population. No other independent community bank in
San Diego County has achieved such results, according to industry
sources.

nirmala sadan

Brazil has proven that adequate access to health care is cost-effective as it
reduces economic burdens related to treatment of opportunistic infections and
hospitalization. The Bank turned profitable
after just eleven months of operation and has been profitable each
successive month thereafter.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.

nisargadatta foreword

AIDS is truly on the doorstep of Asia, and anything that we can do
now -- providing anti-retroviral treatment and care, offering prevention
services and linkages to support services -- to help break the chain of
infection may also help avoid the magnitude of the crisis of AIDS that is now
facing Africa ," said Michael Weinstein, AIDS Healthcare Foundation's
President.
"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.

turyap moksha

sandiegotrust. 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.

ramana iiib

Chinkholal Thangsing, Asia Pacific Bureau
Chief for AIDS Healthcare Foundation in a statement from AHF's Asia Pacific
Bureau in India. "AHF has significant expertise and experience in
ART service delivery and skills and capacity building related to HIV/AIDS
treatment and care, and we are therefore well positioned to complement AHRN in
its efforts to enhance access to prevention, treatment and care for NIDUS and
IDUS in Asia. "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."
For more information on the Bank, please visit
www.

balsekar neelam

duality ramana

Ton Smits,
AHRN's Executive Director, following a meeting with AHRN 's Board of Directors
in Kobe, Japan last July," said Dr. It is our hope that this new treatment partnership may also one
day serve as a model for the delivery of HIV/AIDS medical services to a
specific targeted populations in resource-constrained settings around the
world.
Swami Vivekananda Youth Movement is a registered, voluntary social service
organization started by a group of medicos of Mysore Medical College in the
year 1984. Swami Vivekananda Youth Movement has been active in the field of
HIV/AIDS for nearly 5 years and has been pioneering the cause of prevention
and capacity building in rural and tribal areas.

indological sadan

"The combination of commitment and expertise in clinical, public health
and management skills that are essential for successful HIV treatment programs
have been brought together by this earlier partnership in India," said AHF's
Chang.
"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.

indological duality

net
* AIDS Healthcare Foundation (AHF) at http://www.S.
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.

iiib indological

"
"This new partnership highlights AHRN's ongoing commitment to recovering
drug users," said Mr. Smits and the Asian Harm
Reduction Network in this new AIDS treatment initiative targeting a high risk
population -- injection and non-injection drug users in Asia.