0001193125-04-152171 Sample Contracts

FORM OF COMMERCIAL CAPITAL BANCORP, INC. INCENTIVE STOCK OPTION AGREEMENT
Incentive Stock Option Agreement • September 3rd, 2004 • Commercial Capital Bancorp Inc • Savings institution, federally chartered • Nevada

Stock Option Agreement (this “Option Agreement”), dated as of (the “Grant Date”), between Commercial Capital Bancorp, Inc. (the “Company”) and (the “Participant”). This Option Agreement is pursuant to the terms of the Commercial Capital Bancorp, Inc. 2004 Long-Term Incentive Plan (the “Plan”), a copy of which has been furnished to the Participant and the terms of which are incorporated herein by reference. Unless otherwise indicated, whenever capitalized terms are used in this Option Agreement, they shall have the meanings set forth in the Plan.

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FORM OF COMMERCIAL CAPITAL BANCORP, INC. RESTRICTED STOCK AGREEMENT
Restricted Stock Agreement • September 3rd, 2004 • Commercial Capital Bancorp Inc • Savings institution, federally chartered • Nevada

Restricted Stock Agreement (this “Agreement”), dated as of (the “Grant Date”), between Commercial Capital Bancorp, Inc. (the “Company”) and (the “Participant”). This Agreement is pursuant to the terms of the Commercial Capital Bancorp, Inc. 2004 Long-Term Incentive Plan (the “Plan”), a copy of which has been furnished to the Participant and the terms of which are incorporated herein by reference. Unless otherwise indicated, whenever capitalized terms are used in this Agreement, they shall have the meanings set forth in the Plan.

FORM OF COMMERCIAL CAPITAL BANCORP, INC. NONQUALIFIED STOCK OPTION AGREEMENT
Nonqualified Stock Option Agreement • September 3rd, 2004 • Commercial Capital Bancorp Inc • Savings institution, federally chartered • Nevada

Stock Option Agreement (this “Option Agreement”), dated as of (the “Grant Date”), between Commercial Capital Bancorp, Inc. (the “Company”) and (the “Participant”). This Option Agreement is pursuant to the terms of the Commercial Capital Bancorp, Inc. 2004 Long-Term Incentive Plan (the “Plan”), a copy of which has been furnished to the Participant and the terms of which are incorporated herein by reference. Unless otherwise indicated, whenever capitalized terms are used in this Option Agreement, they shall have the meanings set forth in the Plan.

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