0001193125-05-077612 Sample Contracts

ACCREDITED HOME LENDERS HOLDING CO. RESTRICTED STOCK AGREEMENT
Restricted Stock Agreement • April 15th, 2005 • Accredited Home Lenders Holding Co • Mortgage bankers & loan correspondents • California

Accredited Home Lenders Holding Co. (the “Company”) has granted to Stuart D. Marvin (the “Participant”) an Award consisting of Shares subject to the terms and conditions set forth in this Restricted Stock Agreement (the “Agreement”). The Award has been granted pursuant to an offer of employment between the Company and the Participant. By signing this Agreement, the Participant: (a) represents that the Participant has read and is familiar with the terms and conditions of the Award and this Agreement, (b) accepts the Award subject to all of the terms and conditions of this Agreement, (c) agrees to accept as binding, conclusive and final all decisions or interpretations of the Board upon any questions arising under this Agreement, and (d) acknowledges receipt of a copy of this Agreement.

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ACCREDITED HOME LENDERS HOLDING CO. RESTRICTED STOCK AGREEMENT
Restricted Stock Agreement • April 15th, 2005 • Accredited Home Lenders Holding Co • Mortgage bankers & loan correspondents • California

Accredited Home Lenders Holding Co. (the “Company”) has granted to Stuart D. Marvin (the “Participant”) an Award consisting of Shares subject to the terms and conditions set forth in this Restricted Stock Agreement (the “Agreement”). The Award has been granted pursuant to an offer of employment between the Company and the Participant. By signing this Agreement, the Participant: (a) represents that the Participant has read and is familiar with the terms and conditions of the Award and this Agreement, (b) accepts the Award subject to all of the terms and conditions of this Agreement, (c) agrees to accept as binding, conclusive and final all decisions or interpretations of the Board upon any questions arising under this Agreement, and (d) acknowledges receipt of a copy of this Agreement.

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