Document:

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                                                                   Exhibit 10.14

                            COMMERCIAL CAPITAL BANK
                             SPLIT DOLLAR AGREEMENT

     THIS AGREEMENT is adopted this 23rd day of July, 2002. by and between
COMMERCIAL CAPITAL BANK, a savings association located in Irvine, California
(the "Company"), and STEPHEN H. GORDON (the "Executive). This Agreement shall
append the Split Dollar Endorsement entered into on even date herewith or as
subsequently amended, by and between the aforementioned parties.

                                  INTRODUCTION

     To encourage the Executive to remain an employee of the Company, the
Company is willing to divide the death proceeds of a life insurance policy on
the Executive's life. The Company will pay life insurance premiums from its
general assets.

                                   AGREEMENT

     The Company and the Executive agree as follows:

                                   Article 1
                              General Definitions

     The following terms shall have the meanings specified:

        1.1 "Insured" means the Executive.

        1.2 "Insurer" means each life insurance carrier in which there is a
Split Dollar Policy Endorsement attached to this Agreement.

        1.3 "Net Death Proceeds" means the total death proceeds of the Policy
minus the cash surrender value.

        1.4 "Normal Retirement Age" means the Executive's 60th birthday.

        1.5 "Policy" means the specific life insurance policy issued by the
Insurer.

        1.6 "Termination of Employment" means the Executive ceasing to be
employed by the Company for any reason whatsoever, other than by reason of an
approved leave of absence.

        1.7 "Voluntary Termination" means that the Executive, prior to Normal
Retirement Age, has terminated employment with the Company for reasons other
than death, Disability, Termination for Cause, Change of Control, or Early
Involuntary Termination.

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        1.8 "Termination for Cause" See Article 8.

        1.9 "Disability" means the Executive's suffering a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Company of the
carrier's or Social Security Administration's determination upon the request of
the Company.

        1.10 "Early Involuntary Termination" means that the Executive, prior to
Normal Retirement Age, has been notified in writing, that employment with the
Company is terminated for reasons other than an approved leave of absence,
Termination for Cause, Disability, or within 12 months following a Change of
Control.

                                   Article 2
                           Policy Ownership/Interests

        2.1 Company Ownership. The Company is the sole owner of the Policy and
shall have the right to exercise all incidents of ownership. The Company shall
be the beneficiary of the remaining death proceeds of the Policy after the
Interest of the Executive or the Executive's transferee has been paid according
to Section 2.2 below.

        2.2 Executive's Interest. The Executive shall have the right to
designate the beneficiary of $2,245,000 of death proceeds of the Policy not to
exceed the net death proceeds of the Policy. The Executive shall also have the
right to elect and change settlement options that may be permitted. However, the
Executive, the Executive's transferee or the Executive's beneficiary shall have
no rights or interests in the Policy with respect to that portion of the death
proceeds designated in this section 2.2 upon the Executive's Voluntary
Termination of Employment or Termination for Cause.

        2.3 Option to Purchase. The Company shall not sell, surrender or
transfer ownership of the Policy while this Agreement is in effect without
first giving the Executive or the Executive's transferee the option to purchase
the Policy for a period of 60 days from written notice of such intention. The
purchase price shall be an amount equal to the cash surrender value of the
Policy.

        2.4 Comparable Coverage. Upon execution of this Agreement, the Company
shall maintain the Policy in full force and effect and in no event shall the
Company amend, terminate or otherwise abrogate the Executive's interest in the
Policy, unless the Company replaces the Policy with a comparable insurance
policy to cover the benefit provided under this Agreement and the Company and
the Executive execute a new Split Dollar Policy Endorsement for said comparable
insurance policy. The Policy or any comparable policy shall be subject to the
claims of the Company's creditors.

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                                   Article 3
                                    Premiums

        3.1 Premium Payment. The Company shall pay any premiums due on the
Policy.

        3.2 Economic Benefit. The Company shall determine the economic benefit
attributable to the Executive based on the amount of the current term rate for
the Executive's age multiplied by the aggregate death benefit payable to the
Executive's beneficiary. The "current term rate" is the minimum amount required
to be imputed under Revenue Rulings 64-328 and 66-110, or any subsequent
applicable authority.

        3.3 Reimbursement. At the end of each Plan Year, the Executive shall
reimburse the Company in an amount equal to the economic benefit.

                                   Article 4
                                   Assignment

        The Executive may assign without consideration all of the Executive's
interests in the Policy and in this Agreement to any person, entity or trust. In
the event the Executive transfers all of the Executive's interest in the Policy,
then all of the Executive's interest in the Policy and in the Agreement shall be
vested in the Executive's transferee, who shall be substituted as a party
hereunder and the Executive shall have no further interest in the Policy or in
this Agreement.

                                   Article 5
                                    Insurer

        The Insurer shall be bound only by the terms of the Policy. Any payments
the Insurer makes or actions it takes in accordance with the Policy shall fully
discharge it from all claims, suits and demands of all entities or persons. The
Insurer shall not be bound by or be deemed to have notice of the provisions of
this Agreement.

                                   Article 6
                          Claims and Review Procedures

        6.1 Claims Procedure. Any person or entity who has not received benefits
under the Plan that he or she believes should be paid (the "claimant") shall
make a claim for such benefits as follows:

        6.1.1 Initiation -- Written Claim. The claimant initiates a claim by
submitting to the Company a written claim for the benefits.

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         6.1.2 Timing of Company Response. The Company shall respond to such
claimant within 90 days after receiving the claim. If the Company determines
that special circumstance require additional time for processing the claim, the
Company can extend the response period by an additional 90 days by notifying the
claimant in writing, prior to the end of the initial 90-day period that an
additional period is required. The notice of extension must set forth the
special circumstances and the date by which the Company expects to render its
decision.

         6.1.3 Notice of Decision. If the Company denies part or all of the
claim, the Company shall notify the claimant in writing of such denial. The
Company shall write the notification in a manner calculated to be understood by
the claimant. The notification shall set forth:

               (a)  The specific reasons for the denial.
               (b)  A reference to the specific provisions of the Plan on which
                    the denial is based.
               (c)  A description of any additional information or material
                    necessary for the claimant to perfect the claim and an
                    explanation of why it is needed.
               (d)  An explanation of the Plan's review procedures and the time
                    limits applicable to such procedures, and
               (e)  A statement of the claimant's right to bring a civil action
                    under ERISA Section 502(a) following an adverse benefit
                    determination on review.

     6.2 Review Procedure. If the Company denies part or all of the claim, the
claimant shall have the opportunity for a full and fair review by the Company of
the denial, as follows:

         6.2.l Initiation -- Written Request. To initiate the review, the
claimant, within 60 days after receiving the Company's notice of denial, must
file with the Company a written request for review.

         6.2.2 Additional Submissions -- Information Access. The claimant shall
then have the opportunity to submit written comments, documents, records and
other information relating to the claim. The Company shall also provide the
claimant, upon request and free of charge, reasonable access to, and copies of,
all documents, records and other information relevant (as defined in applicable
ERISA regulations) to the claimant's claim for benefits.

         6.2.3 Considerations on Review. In considering the review, the Company
shall take into account all materials and information the claimant submits
relating to the claim, without regard to whether such information was submitted
or considered in the initial benefit determination.

         6.2.4 Timing of Company Response. The Company shall respond in writing
to such claimant within 60 days after receiving the request for review. If the
Company determines

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that special circumstances require additional time for processing the claim, the
Company can extend the response period by an additional 60 days by notify the
claimant in writing, prior to the end o the initial 60-day period, that an
additional period is required. The notice of extension must set forth the
special circumstances and the date by which the Company expects to render its
decision.

     6.2.5 Notice of Decision. The Company shall notify the claimant in writing
of its decision on review. The Company shall write the notification in a manner
calculated to be understood by the claimant. The notification shall set forth:

          (a)  The specific reasons for the denial.
          (b)  A reference to the specific provisions of the Plan on which the
               denial is based.
          (c)  A statement that the claimant is entitled to receive, upon
               request and free of charge, reasonable access to and copies of
               all documents, records and other information relevant (as defined
               in applicable ERIAS regulations) to the claimant's claim for
               benefits and
          (d)  A statement of the claimant's right to bring a civil action under
               ERISA Section 502(a).

                                   Article 7
                           Amendments and Termination

     This Agreement my be amended or terminated only by a written agreement
signed by the Company and the Executive. However, unless otherwise agreed to by
the Company and the Executive, this Agreement will automatically terminate upon
the Executive's Voluntary Termination of Employment or Termination for Cause.

                                   Article 8
                              General Limitations

     8.1 Termination for Cause. Notwithstanding any provision of this Agreement
to the contrary the Company shall not pay any benefit under this Agreement if
the Company terminates the Executive's employment for:

          (a)  Gross negligence or gross neglect of duties;
          (b)  Commission of a felony or of a gross misdemeanor involving moral
               turpitude; or

     Fraud, disloyalty dishonesty or willful violation of any law or significant
Company policy committed in connection with Executive's employment and resulting
in an adverse effect on the Company.

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                                   Article 8
                                 Miscellaneous

     8.1 Binding Effect. This Agreement shall bind the Executive and the Company
and their beneficiaries, survivors, executors, administrators and transferes and
any Policy beneficiary.

     8.2 No Guarantee of Employment. This Agreement is not an employment policy
or contract It odes not give the Executive the right to remain an employee of
the Company nor does it interfere with the Company's right to discharge the
Executive. It also does not require the Executive to remain an employee not
interfere with the Executive's right to terminate employment an any time.

     8.3 Applicable Law. The Agreement and all rights hereunder shall be
governed by and construed according to the laws of the State of California
except to the extent preempted by the laws of the United States of America.

     8.4 Reorganization. The Company shall not merge or consolidate into or with
another company, or reorganize, or sell substantially all of its assets to
another company, firm or person unless such succeeding or continuing company,
firm or person agrees to assume and discharge the obligations of the Company.

     8.5. Notice. Any notice, consent or demand required or permitted to be
given under the provisions of this Split Dollar Agreement by one party to
another shall be in writing, shall be signed by the party giving or making the
same and may be given either by delivering the same to such other party
personally, or by mailing the same, by United States certified mail, postage
prepaid to such party, addressed to his or her last known address as shown on
the records of the Company. The date of such mailing shall be deemed the date of
such mailed notice, consent or demand.

     8.6 Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No
rights are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

     8.7 Administration. The Company shall have powers which are necessary to
administer this Agreement, including but not limited to:

     (a)  Interpreting the provisions of this Agreement:
     (b)  Establishing and revising the method of accounting for this Agreement;
     (c)  Maintaining a record of benefit payments; and
     (d)  Establishing rules and prescribing any forms necessary or desirable to
          administer

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     this Agreement.

     8.8. Named Fiduciary. The Company shall be the named fiduciary and plan
administrator under the Agreement. The named fiduciary may delegate to others
certain aspects of the management and operation responsibilities of the plan
including the employment of advisors and the delegation of ministerial duties to
qualified individuals.

     IN WITNESS WHEREOF, the parties have executed this Agreement the day and
year first above written.

EXECUTIVE:                              COMPANY:
                                        COMMERCIAL CAPITAL BANK
/s/ Stephen H. Gordon
---------------------                   By /s/ David S. Depillo
Stephen H. Gordon                       --------------------------
                                        Title President<PAGE>

                                                                   Exhibit 10.15

                            COMMERCIAL CAPITAL BANK
                         SALARY CONTINUATION AGREEMENT

        THIS AGREEMENT is adopted this 23rd day of July, 2002, by and between
COMMERCIAL CAPITAL BANK, a savings association located in Irvine, California
(the "Company"), and STEPHEN H. GORDON (the "Executive").

                                  INTRODUCTION

        To encourage the Executive to remain an employee of the Company, the
Company is willing to provide salary continuation benefits to the executive. The
Company will pay the benefits from its general assets.

                                   AGREEMENT

        The Company and the Executive agree as follows:

                                   Article 1
                                  Definitions

        Whenever used in this Agreement, the following words and phrases shall
have the meanings specified:

        1.1 "Change of Control" means the transfer of shares of the Company's
voting common stock such that one entity or one person acquires (or is deemed to
acquire when applying Section 318 of the Code) more than 50 percent of the
Company's outstanding voting common stock followed within twelve (12) months by
the Executive's Involuntary Termination of Employment.

        1.2 "Code" means the Internal Revenue Code of 1986, as amended.

        1.3 "Disability" means the Executive's suffering a sickness, accident or
injury which has been determined by the carrier of any individual or group
disability insurance policy covering the Executive, or by the Social Security
Administration, to be a disability rendering the Executive totally and
permanently disabled. The Executive must submit proof to the Company of the
carrier's or Social Security Administration's determination upon the request of
the Company.

     1.4 "Early Involuntary Termination" means that the Executive, prior to
Normal Retirement Age, has been notified in writing, that employment with the
Company is terminated for reasons other than an approved leave of absence,
Termination for Cause, Disability, or within 12 months following a change of
Control.

                                       1

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        1.5 "Early Involuntary Termination Date" means the month, day and year
in which early Involuntary Termination occurs.

        1.6 "Effective Date" means July 23, 2002.

        1.7 "Normal Retirement Age" means the Executive's 60th birthday.

        1.8 "Normal Retirement Date" means the later of the Normal Retirement
Age or Termination of Employment.

        1.9 "Plan Year" means a twelve-month period commencing on January 1st
and ending on December 31st of each year. The initial Plan Year shall commence
on the effective date of this Agreement.

        1.10 "Termination for Cause" see Article 5.

        1.11 "Termination of Employment" means that the Executive ceases to be
employed by the Company for any reason, voluntary or involuntary, other than by
reason of a leave of absence approved by the Company.

        1.12 "Voluntary Termination" means that the Executive, prior to Normal
Retirement Age, has terminated employment with the Company for reasons other
than death, Disability, Termination for Cause, Change of Control, or Early
Involuntary Termination.

                                   Article 2
                               Lifetime Benefits

        2.1 Normal Retirement Benefit. Upon Termination of Employment on or
after the Normal Retirement Age, for reasons other than death, the Company shall
pay to the Executive the benefit described in this Section 2.1 in lieu of any
other Article 2 benefit under this Agreement.

          2.1.1 Amount of Benefit. The annual benefit under this Section 2.1 is
     $175,000. The Company's Board of Directors, in its sole discretion, may
     increase the annual benefit under this Section 2.1.1; however, any increase
     shall require the recalculation of Schedule A.

          2.1.2 Payment of Benefit. The Company shall pay the annual benefit to
     the Executive in 12 equal monthly installments commencing with the month
     following the Executive's Normal Retirement Date, paying the annual benefit
     to the Executive for a period of 20 years.

          2.1.3 Benefit Increases. Commencing on the first anniversary of the
     first benefit payment, and continuing on each subsequent anniversary, the
     Company's Board of Directors, at its sole discretion, may increase the
     benefit.

                                       2

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        2.2 Early Involuntary Termination Benefit. Upon Early Involuntary
Termination, the Company shall pay to the Executive the benefit described in
this Section 2.2 in lieu of any other Article 2 benefit under this Agreement.

          2.2.1 Amount of Benefit. The benefit under this Section 2.2 is the
     Early Involuntary Termination Lump Sum Benefit set forth on Schedule A for
     the Plan Year ending immediately prior to the Early Involuntary Termination
     Date, determined by vesting the Executive in 100 percent of the Accrual
     Balance set forth on Schedule A. Any increase in the annual benefit
     under Section 2.1.1 shall require the recalculation of this benefit on
     Schedule A.

          2.2.2 Payment of Benefit. The Company shall pay the lump sum benefit
     to the Executive in a lump sum within 30 days from Termination of
     Employment.

          2.2.3 Benefit Increases. Benefit payments may be increased as provided
     in Section 2.1.3.

        2.3 Disability Benefit. If the Executive terminates employment due to
Disability prior to Normal Retirement Age, the Company shall pay to the
Executive the benefit described in this Section 2.3 in lieu of any other
Article 2 benefit under this Agreement.

          2.3.1 Amount of Benefit. The benefit under this Section 2.3 is the
     Disability Lump Sum Benefit set forth on Schedule A for the Plan Year
     ending immediately prior to the date in which the Termination of Employment
     occurs (except during the first Plan Year, the benefit is the amount set
     forth for Plan Year 1), determined by vesting the Executive in 100 percent
     of the Accrual Balance. Any increase in the annual benefit under Section
     2.1.1 would require the recalculation of the Disability benefit on Schedule
     A.

          2.3.2 Payment of Benefit. The Company shall pay the benefit to the
     Executive in a lump sum within 30 days from Termination of Employment.

          2.3.3. Benefit Increases. Benefit payments may be increased as
     provided in Section 2.1.3.

     2.4 Change of Control Benefit. Upon a Change of Control, the Company shall
pay to the Executive the benefit described in this Section 2.4 in lieu of any
other Article 2 benefit under this Agreement.

          2.4.1 Amount of Benefit. The benefit under this Section 2.4 is the
     Change of Control Annual Benefit set forth on Schedule A for the Plan Year
     ending immediately prior to the date in which Termination of Employment
     occurs (except during the first Plan Year, the benefit is the amount set
     forth for Plan Year 1), determined by vesting the Executive in the Normal
     Retirement Benefit described in Section 2.1.1.

                                       3

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          2.4.2 Payment of Benefit. The Company shall pay the annual benefit to
     the Executive in 12 equal monthly installments commencing with the month
     following the Termination of Employment, paying the annual benefit to the
     Executive for a period of 20 years.

          2.4.3 Benefit Increases. Benefit payments may be increased as provided
     in Section 2.1.3.

          2.4.4 Internal Revenue Service Section 280G Gross Up. If, as a result
     of a Change of Control, the Executive becomes entitled to acceleration of
     benefits under this Agreement or under any other benefit, compensation or
     incentive plan or arrangement with the Company (collectively, the "Total
     Benefits"), and if any part of the Total Benefits is subject to the Excise
     Tax under Section 280G and Section 4999 of the Internal Revenue Code (the
     "Excise Tax"), the Company shall pay to the Executive the following
     additional amounts, consisting of (a) a payment equal to the Excise Tax
     payable by the Executive on the Total Benefits under Section 4999 of the
     Internal Revenue Code (the "Excise Tax Payment"), and (b) a payment equal
     to the amount necessary to provide the Excise Tax payment net of all
     income, payroll and excise taxes. Payment of the additional amounts
     described in clauses (a) and (b) shall be made in addition to the amount
     set forth in Section 2.4.1 above.

     2.5 Voluntary Termination. Notwithstanding any provision of this Agreement
to the contrary, the Company shall not pay any benefit under this Agreement if
the Executive's employment with the Company is Voluntarily Terminated.

                                   Article 3
                                 Death Benefits

     3.1   Death During Active Service.  If the Executive dies while in the
active service of the Company, the Company shall pay to the Executive's
beneficiary the benefit described under a separate Split Dollar Agreement and
Endorsement between the Company and the Executive. The Company shall pay to the
Executive's beneficiary the benefit described in this Section 3.1 in lieu of any
other benefit under this Agreement.

     3.2   Death During Payment of a Lifetime Benefit. If the Executive dies
after the Normal Retirement, Early Involuntary Termination, Disability or Change
of Control benefit payments have commenced under this Agreement but before
receiving all such payments, the Company shall cease to pay the remaining
benefit payments. Instead, the Company shall pay to the Executive's beneficiary
the benefit described under a separate Split Dollar Agreement and Endorsement
between the Company and the Executive.

     3.3   Death After Termination of Employment But Before Payment of a
Lifetime Benefit Commences. If the Executive is entitled to receive the Normal
Retirement, Disability, Early Involuntary Termination or a Change of Control
benefit under this Agreement, but dies prior to the commencement of said benefit
payments, the Company shall pay to the Executive's beneficiary the benefit
described under a separate Split Dollar Agreement and Endorsement between the
Company and the Executive. The Company shall pay to the Executive's beneficiary
the benefit described in this Section 3.3.

                                       4

<PAGE>

                                   Article 4
                                 Beneficiaries

     4.1  Beneficiary Designations.  The Executive shall designate a beneficiary
by filing a written designation with the Company. The Executive may revoke or
modify the designation at any time by filing a new designation. However,
designations will only be effective if signed by the Executive and received by
the Company during the Executive's lifetime. The Executive's beneficiary
designation shall be deemed automatically revoked if the beneficiary predeceases
the Executive, or if the Executive names a spouse as beneficiary and the
marriage is subsequently dissolved. If the Executive dies without a valid
beneficiary designation, all payments shall be made to the Executive's estate.

     4.2  Facility of Payment.  If a benefit is payable to a minor, to a person
declared incompetent, or to a person incapable of handling the disposition of
his or her property, the Company may pay such benefit to the guardian, legal
representative or person having the care or custody of such minor, incompetent
person or incapable person. The Company may require proof of incompetence,
minority or guardianship as it may deem appropriate prior to distribution of
the benefit. Such distribution shall completely discharge the Company from all
liability with respect to such benefit.

                                    Article 5
                              General Limitations

     5.1  Termination for Cause.  Notwithstanding any provision of this
Agreement to the contrary, the Company shall not pay any benefit under this
Agreement if the Company terminates the Executive's employment for:

          (a)  Gross negligence or gross neglect of duties;

          (b)  Commission of a felony or of a gross misdemeanor involving moral
     turpitude; or

          (c)  Fraud, disloyalty, dishonesty or willfull violation of any law or
     significant Company policy committed in connection with the Executive's
     employment and resulting in an adverse effect on the Company.

     5.2  Suicide or Misstatement.  The Company shall not pay any benefit under
this Agreement if the Executive commits suicide within three years after the
date of this Agreement. In addition, the Company shall not pay any benefit under
this Agreement if the Executive has made any material misstatement of fact on an
employment application or resume provided to the Company, or on any application
for any benefits provided by the Company to the Executive.

                                       5

<PAGE>

                                   Article 6
                          Claims and Review Procedures

      6.1  Claims Procedure.  An Executive or beneficiary ("claimant") who has
not received benefits under the Agreement that he or she believes should be paid
shall make a claim for such benefits as follows:

           6.1.1  Initiation -- Written Claim.  The claimant initiates a claim
      by submitting to the Company a written claim for the benefits.

           6.1.2  Timing of Company Response.  The Company shall respond to such
      claimant within 90 days after receiving the claim. If the Company
      determines that special circumstances require additional time for
      processing the claim, the Company can extend the response period by an
      additional 90 days by notifying the claimant in writing, prior to the end
      of the initial 90-day period, that an additional period is required. The
      notice of extension must set forth the special circumstances and the date
      by which the Company expects to render its decision.

           6.1.3  Notice of Decision.  If the Company denies part or all of the
      claim, the Company shall notify the claimant in writing of such denial.
      The Company shall write the notification in a manner calculated to be
      understood by the claimant. The notification shall set forth:

                  (a)  The specific reasons for the denial;

                  (b)  A reference to the specific provisions of the Agreement
           on which the denial is based;

                  (c)  A description of any additional information or material
           necessary for the claimant to perfect the claim and an explanation
           of why it is needed;

                  (d)  An explanation of the Agreement's review procedures and
           the time limits applicable to such procedures; and

                  (e)  A statement of the claimant's right to bring a civil
           action under ERISA Section 502(a) following an adverse benefit
           determination on review.

      6.1  Review Procedure.  If the Company denies part or all of the claim,
the claimant shall have the opportunity for a full and fair review by the
Company of the denial, as follows:

           6.2.1  Initiation -- Written Request.  To initiate the review, the
claimant, within 60 days after receiving the Company's notice of denial, must
file with the Company a written request for review.

                                       6

<PAGE>

              6.2.2 Additional Submissions -- Information Access. The claimant
         shall then have the opportunity to submit written comments, documents,
         records and other information relating to the claim. The Company shall
         also provide the claimant, upon request and free of charge, reasonable
         access to, and copies of, all documents, records and other information
         relevant (as defined in applicable ERISA regulations) to the claimant's
         claim for benefits.

              6.2.3 Considerations on Review. In considering the review, the
         Company shall take into account all materials and information the
         claimant submits relating to the claim, without regard to whether such
         information was submitted or considered in the initial benefit
         determination.

              6.2.4 Timing of Company Response. The Company shall respond in
         writing to such claimant within 60 days after receiving the request for
         review. If the Company determines that special circumstances require
         additional time for processing the claim, the Company can extend the
         response period by an additional 60 days by notifying the claimant in
         writing, prior to the end of the initial 60-day period, that an
         additional period is required. The notice of extension must set forth
         the special circumstances and the date by which the Company expects to
         render its decision.

              6.2.5 Notice of Decision. The Company shall notify the claimant in
         writing of its decision on review. The Company shall write the
         notification in a manner calculated to be understood by the claimant.
         The notification shall set forth:

                    (a) The specific reasons for the denial;

                    (b) A reference to the specific provisions of the Agreement
              on which the denial is based;

                    (c) A statement that the claimant is entitled to receive,
              upon request and free of charge, reasonable access to, and copies
              of, all documents, records and other information relevant (as
              defined in applicable ERISA regulations) to the claimant's claim
              for benefits; and

                    (d) A statement of the claimant's right to bring a civil
              action under ERISA Section 502(a).

                                   Article 7
                           Amendments and Termination

         This Agreement may be amended or terminated only by a written agreement
signed by the Company and the Executive.

                                   Article 8
                                 Miscellaneous

                                       7

<PAGE>

         8.1  Binding Effect. This Agreement shall bind the Executive and the
Company, and their beneficiaries, survivors, executors, successors,
administrators and transferees.

         8.2  No Guarantee of Employment. This Agreement is not an employment
policy or contract. It does not give the Executive the right to remain an
employee of the Company, nor does it interfere with the Company's right to
discharge the Executive. It also does not require the Executive to remain an
employee nor interfere with the Executive's right to terminate employment at any
time.

         8.3  Non-Transferability. Benefits under this Agreement cannot be sold,
transferred, assigned, pledged, attached or encumbered in any manner.

         8.4  Reorganization. The Company shall not merge or consolidate into or
with another company, or reorganize, or sell substantially all of its assets to
another company, firm, or person unless such succeeding or continuing company,
firm, or person agrees to assume and discharge the obligations of the Company
under this Agreement. Upon the occurrence of such event, the term "Company" as
used in this Agreement shall be deemed to refer to the successor or survivor
company.

         8.5  Tax Withholding. The Company shall withhold any taxes that are
required to be withheld from the benefits provided under this Agreement.

         8.6  Applicable Law. The Agreement and all rights hereunder shall be
governed by the laws of the State of California, except to the extent preempted
by the laws of the United States of America.

         8.7  Unfunded Arrangement. The Executive and beneficiary are general
unsecured creditors of the Company for the payment of benefits under this
Agreement. The benefits represent the mere promise by the Company to pay such
benefits. The rights to benefits are not subject in any manner to anticipation,
alienation, sale, transfer, assignment, pledge, encumbrance, attachment, or
garnishment by creditors. Any insurance on the Executive's life is a general
asset of the Company to which the Executive and beneficiary have no preferred or
secured claim.

         8.8  Entire Agreement. This Agreement constitutes the entire agreement
between the Company and the Executive as to the subject matter hereof. No rights
are granted to the Executive by virtue of this Agreement other than those
specifically set forth herein.

         8.9  Administration. The Company shall have powers which are necessary
to administer this Agreement, including but not limited to:

              (a) Establishing and revising the method of accounting for the
         Agreement;

                                       8

<PAGE>

          (b) Maintaining a record of benefit payments;

          (c) Establishing rules and prescribing any forms necessary or
     desirable to administer the Agreement; and

          (d) Interpreting the provisions of the Agreement.

     8.10 Named Fiduciary. The Company shall be the named fiduciary and plan
administrator under this Agreement. It may delegate to others certain aspects of
the management and operational responsibilities including the employment of
advisors and the delegation of ministerial duties to qualified individuals.

     IN WITNESS WHEREOF, the Executive and the Company have signed this
Agreement.

EXECUTIVE:                                 COMPANY:

                                           Commercial Capital Bank

/s/ Stephen H. Gordon                      By  /s/ David S. DePillo
--------------------------------              ---------------------------------
Stephen H. Gordon                          Title        President
                                                 ------------------------------

<PAGE>

                                                             Exhibit 10.15 cont.

                             FIRST AMENDMENT TO THE
                             COMMERCIAL CAPITAL BANK
             SALARY CONTINUATION AGREEMENT DATED SEPTEMBER 13, 2002
                              FOR STEPHEN H. GORDON

     THIS AMENDMENT executed on this 13th day of September, 2002, by and between
COMMERCIAL CAPITAL BANK, a savings association located in Irvine, California
(the "Company") and STEPHEN H. GORDON (the "Executive").

     The Company and the Executive executed the EXECUTIVE SALARY CONTINUATION
AGREEMENT on July 23, 2002 (the "Agreement").

     The undersigned  hereby amends,  in part, said Agreement for the purpose
of modifying the Change of Control provision and amending the Schedule A to the
Agreement. Therefore,

     Section 2.4.2 of the Agreement shall be deleted in its entirety and
replaced by the following Section 2.4.2:

     2.4.2 Payment of Benefit. The Company shall pay the annual benefit to the
Executive in 12 equal monthly installments commencing with the month following
Normal Retirement Age, paying the annual benefit to the Executive for a period
of 20 years.

     Schedule A to the Agreement shall be amended in its entirety and replaced
with the Schedule A attached to this Amendment.

     IN WITNESS OF THE ABOVE, the Executive and the Company have agreed to this
First Amendment.

Executive:                                          Company:
                                                    Commercial Capital Bank

/s/ STEPHEN H. GORDON                               /s/ DAVID S. DEPILLO
STEPHEN H. GORDON                                   Its   President

<PAGE>

                                                            Exhibit 10.15 cont.

Clark/Bardes Consulting     Commercial Capital Bank, FSB     Plan Year Reporting
                            Salary Continuation Plan--Schedule A
                            ----------------------------------------------------

Stephen H. Gordon
--------------------------------------------------------------------------------
<TABLE>
<CAPTION>
DOB:10/26/1962                      Early Involuntary Termination    Disability     Change of Control
Plan Anniv Date: 3/1/2003
Retirement Age: 60                        Lump Sum                 Lump Sum Payable    Installment
Payments: Monthly Installments      Payable Immediately              Immediately      Payable at 60
-------------------------------------------------------------------------------------------------------
                  Benefit  Accrual                Based On                Based On            Based On
                   Level   Balance  Vesting       Accrual         Vesting  Accrual   Vesting   Benefit
                  -------------------------------------------------------------------------------------
Period Ending Age   (1)      (2)      (3)           (4)             (5)     (6)       (7)       (8)
-------------------------------------------------------------------------------------------------------
<S>           <C> <C>     <C>       <C>           <C>             <C>     <C>       <C>       <C>
 Jun 2003     40  175,000    35,885   100%           35,885         100%     35,885   100%    175,000
 Jun 2004     41  175,000    74,748   100%           74,748         100%     74,748   100%    175,000
 Jun 2005     42  175,000   116,837   100%          116,837         100%    116,837   100%    175,000
 Jun 2006     43  175,000   162,419   100%          162,419         100%    162,419   100%    175,000
 Jun 2007     44  175,000   211,784   100%          211,784         100%    211,784   100%    175,000
-------------------------------------------------------------------------------------------------------
 Jun 2008     45  175,000   265,247   100%          265,247         100%    265,247   100%    175,000
 Jun 2009     46  175,000   323,147   100%          323,147         100%    323,147   100%    175,000
 Jun 2010     47  175,000   385,853   100%          385,853         100%    385,853   100%    175,000
 Jun 2011     48  175,000   453,764   100%          453,764         100%    453,764   100%    175,000
 Jun 2012     49  175,000   527,311   100%          527,311         100%    527,311   100%    175,000
-------------------------------------------------------------------------------------------------------
 Jun 2013     50  175,000   606,962   100%          606,962         100%    606,962   100%    175,000
 Jun 2014     51  175,000   693,224   100%          693,224         100%    693,224   100%    175,000
 Jun 2015     52  175,000   786,646   100%          786,646         100%    786,646   100%    175,000
 Jun 2016     53  175,000   887,822   100%          887,822         100%    887,822   100%    175,000
 Jun 2017     54  175,000   997,396   100%          997,396         100%    997,396   100%    175,000
-------------------------------------------------------------------------------------------------------
 Jun 2018     55  175,000 1,116,064   100%        1,116,064         100%  1,116,064   100%    175,000
 Jun 2019     56  175,000 1,244,581   100%        1,244,581         100%  1,244,581   100%    175,000
 Jun 2020     57  175,000 1,383,766   100%        1,383,766         100%  1,383,766   100%    175,000
 Jun 2021     58  175,000 1,534,502   100%        1,534,502         100%  1,534,502   100%    175,000
 Jun 2022     59  175,000 1,697,750   100%        1,697,750         100%  1,697,750   100%    175,000
-------------------------------------------------------------------------------------------------------
 Oct 2022     60  175,000 1,755,123   100%        1,755,123         100%  1,755,123   100%    175,000
</TABLE>
             October 2022 Retirement, 11/1/2022 First Payment Date
--------------------------------------------------------------------------------
/1/The first line reflects 12 months of data, July 2002 to June 2003.

Copyright (c) 2001 Clark/Bardes
Consulting--Banking Practice.
Salary Continuation Plan for
Commercial Capital Bank,
FSB--Irvine, CA 1001617 6645
64381 v5.21.30 09/12/2002:11
SCP-E,SD C                                 Securities are offered through Clark
                                           Bardes Financial Services, Inc.,
                                           member NASD & SIPC, Los Angeles, CA
                                           90071, (213) 486-6300, which is a
                                           wholly owned subsidiary of
                                           Clark/Bardes Consulting.

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