Document:

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                                                                    EXHIBIT 10.1

                        COMMERCIAL CAPITAL BANCORP, INC.

                                 2000 STOCK PLAN

                  (As Adopted and Effective January 27, 2000)

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                                TABLE OF CONTENTS

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SECTION 1.  PURPOSE.........................................................1

SECTION 2.  DEFINITIONS.....................................................1

     (a)    "Award".........................................................1
     (b)    "Board of Directors.............................................1
     (c)    "Change in Control..............................................1
     (d)    "Code...........................................................2
     (e)    "Committee......................................................2
     (f)    "Common-Law Employee............................................2
     (g)    "Company" ......................................................3
     (h)    "Employee"......................................................3
     (i)    "Exchange Act"..................................................3
     (j)    "Exercise Price"................................................3
     (k)    "Fair Market Value".............................................3
     (1)    "Incentive Stock Option" or "ISO................................3
     (m)    "Nonstatutory Option" or "NSO...................................3
     (n)    "Offeree........................................................4
     (o)    "Option.........................................................4
     (p)    "Optionee.......................................................4
     (q)    "Outside Director...............................................4
     (r)    "Participant....................................................4
     (s)    "Plan...........................................................4
     (t)    "Purchase Price.................................................4
     (u)    "Restricted Share...............................................4
     (v)    "Service".......................................................4
     (w)    "Share..........................................................4
     (x)    "Stock..........................................................4
     (y)    "Stock Award Agreement..........................................4
     (z)    "Stock Option Agreement.........................................4
     (aa)   "Stock Purchase Agreement.......................................4
     (bb)   "Subsidiary.....................................................4
     (cc)   "Total and Permanent Disability.................................5
     (dd)   "W-2 Payroll....................................................5

SECTION 3.  ADMINISTRATION..................................................5

     (a)    Committee Membership............................................5
     (b)    Committee Procedures............................................5
     (c)    Committee Responsibilities......................................5
     (d)    Committee Liability.............................................5
     (e)    Financial Reports...............................................5

SECTION 4.  ELIGIBILITY.....................................................6
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     (a)    General Rule....................................................6
     (b)    Ten-Percent Shareholders........................................6
     (c)    Attribution Rules...............................................6
     (d)    Outstanding Stock...............................................6

SECTION 5.  STOCK SUBJECT TO PLAN...........................................6

     (a)    Basic Limitation................................................6
     (b)    Additional Shares...............................................7

SECTION 6.  TERMS AND CONDITIONS OF AWARDS OR SALES.........................7

     (a)    Stock Purchase Agreement........................................7
     (b)    Duration of Offers..............................................7
     (c)    Purchase Price..................................................7
     (d)    Payment for Shares..............................................7
     (e)    Exercise of Awards on Termination of Service....................8

SECTION 7.  ADDITIONAL TERMS AND CONDITIONS OF RESTRICTED SHARES............8

     (a)    Form and Amount of Award........................................8
     (b)    Exercisability..................................................8
     (c)    Effect of Change in Control.....................................8
     (d)    Voting Rights...................................................8

SECTION 8.  TERMS AND CONDITIONS OF OPTIONS.................................9

     (a)    Stock Option Agreement..........................................9
     (b)    Number of Shares................................................9
     (c)    Exercise Price..................................................9
     (d)    Exercisability..................................................9
     (e)    Effect of Change in Control.....................................9
     (f)    Term............................................................9
     (g)    Exercise of Options on Termination of Service...................9
     (h)    Payment of Option Shares.......................................10
     (i)    No Rights as a Shareholder.....................................10
     (j)    Modification, Extension and Assumption of Options..............10

SECTION 9.  ADJUSTMENT OF SHARES...........................................11

     (a)    General....................................................... 11
     (b)    Reorganizations................................................11
     (c)    Reservation of Rights..........................................11

SECTION 10. WITHHOLDING TAXES..............................................11

     (a)    General........................................................11
     (b)    Cashless Exercise/Pledge.......................................12
     (c)    Other Forms of Payment.........................................12
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SECTION 11. ASSIGNMENT OR TRANSFER OF AWARDS...............................12

     (a)    General........................................................12
     (b)    Trusts.........................................................12

SECTION 12. LEGAL REQUIREMENTS.............................................12

SECTION 13. NO EMPLOYMENT RIGHTS...........................................12

SECTION 14. DURATION AND AMENDMENTS........................................13

     (a)    Term of the Plan...............................................13
     (b)    Right to Amend or Terminate the Plan...........................13
     (c)    Effect of Amendment or Termination.............................13
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                        COMMERCIAL CAPITAL BANCORP, INC.
                                 2000 STOCK PLAN
                   (AS ADOPTED AND EFFECTIVE JANUARY 27,2000)

SECTION 1. PURPOSE.

     The purpose of the Plan is to offer selected employees, directors,
consultants and advisors an opportunity to acquire a proprietary interest in the
success of the Company, or to increase such interest, to encourage such selected
persons to remain in the employ of the Company and to attract new employees with
outstanding qualifications. The Plan seeks to achieve this purpose by providing
for Awards in the form of Restricted Shares and Options (which may constitute
Incentive Stock Options or Nonstatutory Stock Options) as well as the direct
award or sale of Shares of the Company's Common Stock. While this Plan is
intended to satisfy Section 25102(o) of the California Corporations Code and SEC
Rule 701, awards may be granted under this Plan in reliance upon other state and
federal securities law exemptions and to the extent another state or federal
exemption is relied upon, the terms of this Plan which are required only because
of Section 25102(o) or SEC Rule 701 shall not apply.

SECTION 2. DEFINITIONS.

     (a)  "Award" shall mean any award of an Option, Restricted Share or other
right under the Plan.

     (b)  "Board of Directors" shall mean the Board of Directors of the Company,
as constituted from time to time.

     (c)  "Change in Control" shall mean:

     (1)  any event that: (i) would be required to be reported in response to
          Item 1 (a) of the current report on Form 8-K, as in effect on the date
          hereof, pursuant to Section 13 or 15(d) of the Securities Exchange Act
          of 1934, as amended (the "Exchange Act"); (ii) results in a Change in
          Control of the Company or the Company within the meaning of the Home
          Owners' Loan Act of 1933, as amended, the Federal Deposit Insurance
          Act and the Rules and Regulations promulgated by the Office of Thrift
          Supervision ("OTS") (or its predecessor agency), as in effect on the
          date hereof (provided, that in applying the definition of change in
          control as set forth under the rules and regulations of the OTS, the
          Board of Directors shall substitute its judgement for that of the
          OTS); or (iii) without limitation such a Change in Control shall be
          deemed to have occurred at such time as (A) any "person" (as the term
          is used in Section 13(d) and 14(d) of the Exchange Act) is or becomes
          the "beneficial owner" (as defined in Rule 13d-3 under the Exchange
          Act), directly or indirectly, of voting securities of the Company
          representing 20% or more of the Company's outstanding voting
          securities or right to acquire such securities except for any voting
          securities of the Company purchased by the Company and any voting
          securities purchased by any employee benefit plan of the Company, or
          (B) individuals who constitute the Board of Directors on the date
          hereof (the "Incumbent Board") cease for any reason to constitute at
          least a majority thereof,

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          provided that any person becoming a director subsequent to the date
          hereof whose election was approved by a vote of at lease
          three-quarters of the directors comprising the Incumbent Board, or
          whose nomination for election by the Company's stockholders was
          approved by a nominating committee solely composed of members who are
          Incumbent Board members, shall be, for purposes of this clause (B),
          considered as though he were a member of the Incumbent Board, (C) a
          plan of reorganization, merger, consolidation, sale of all or
          substantially all of the assets of the Company or its subsidiaries or
          similar transaction occurs or is effectuated in which the Company or
          it subsidiaries is not the resulting entity; provided, however, that
          such an event listed above will be deemed to have occurred or to have
          been effectuated upon the receipt of all required federal regulatory
          approvals not including the lapse of any statutory waiting periods, or
          (D) a proxy statement shall be distributed soliciting proxies from
          stockholders of the Company, by someone other than the current
          management of the Company, seeking stockholder approval of a plan of
          reorganization, merger or consolidation of shares of the Company or
          its subsidiaries with one or more corporations as a result of which
          the outstanding shares of the class of securities then subject to such
          plan or transaction are exchanged for or converted into cash or
          property or securities not issued by the Company or its subsidiaries
          shall be distributed; or (E) a tender offer is made and accepted for
          20% or more of the voting securities of the Company or its
          subsidiaries then outstanding. Notwithstanding the above, no Change in
          Control shall deemed to have occurred solely due to a change in the
          composition of the incumbent board occasioned by a conservatorship or
          receivership under applicable banking law, or by direction of the OTS.

     (2)  The Committee shall also define change in control, to the extent it
          differs from the definition set forth herein, in the Stock Purchase
          Agreements, Stock Option Agreements and Stock Award Agreements.

     (3)  The term "Change in Control" shall not include: (i) a transaction the
          sole purpose of which is to change the state of the Company's
          incorporation; or (ii) the Company's initial public offering.

     (d)  "Code" shall mean the Internal Revenue Code of 1986, as amended.

     (e)  "Committee" shall mean a committee of the Board of Directors which is
authorized to administer the Plan under Section 3.

     (f)  "Common-Law Employee" means an individual paid from W-2 Payroll of the
Company or a Subsidiary. If, during any period, the Company (or Subsidiary, as
applicable) has not treated an individual as a Common-Law Employee and, for that
reason, has not paid such individual in a manner which results in the issuance
of a Form W-2 and withheld taxes with respect to him or her, then that
individual shall not be an eligible Employee for that period, even if any
person, court of law or government agency determines, retroactively, that that
individual is or was a Common-Law Employee during all or any portion of that
period.

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     (g)  "Company" shall mean Commercial Capital Bancorp, Inc.

     (h)  "Employee" shall mean (i) any individual who is a Common-Law Employee
of the Company or of a Subsidiary, (ii) a member of the Board of Directors,
including (without limitation) an Outside Director, or an affiliate of a member
of the Board of Directors, (iii) a member of the board of directors of a
Subsidiary, or (iv) an independent contractor or advisor who performs services
for the Company or a Subsidiary. Service as a member of the Board of Directors,
a member of the board of directors of a Subsidiary or an independent contractor
or advisor shall be considered employment for all purposes of the Plan except
the second sentence of Section 4(a).

     (i)  "Exchange Act" means the Securities and Exchange Act of 1934, as
amended.

     (j)  "Exercise Price" shall mean the amount for which one Share may be
purchased upon exercise of an Option, as specified by the Committee in the
applicable Stock Option Agreement.

     (k)  "Fair Market Value" means the market price of Shares, determined by
the Committee as follows:

          (i)       If the Shares were traded over-the-counter on the date in
     question but were not traded on the Nasdaq Stock Market or the Nasdaq
     National Market System, then the Fair Market Value shall be equal to the
     mean between the last reported representative bid and asked prices quoted
     for such date by the principal automated inter-dealer quotation system on
     which the Shares are quoted or, if the Shares are not quoted on any such
     system, by the "Pink Sheets" published by the National Quotation Bureau,
     Inc.;

          (ii)      If the Shares were traded over-the-counter on the date in
     question and were traded on the Nasdaq Stock Market or the Nasdaq National
     Market System, then the Fair Market Value shall be equal to the
     last-transaction price quoted for such date by the Nasdaq Stock Market or
     the Nasdaq National Market;

          (iii)     If the Shares were traded on a stock exchange on the date in
     question, then the Fair Market Value shall be equal to the closing price
     reported by the applicable composite transactions report for such date; and

          (iv)      If none of the foregoing provisions is applicable, then the
     Fair Market Value shall be determined by the Committee in good faith on
     such basis as it deems appropriate.

     In all cases, the determination of Fair Market Value by the Committee shall
be conclusive and binding on all persons.

     (1)  "Incentive Stock Option" or "ISO" shall mean an employee incentive
stock option described in Code section 422(b).

     (m)  "Nonstatutory Option" or "NSO" shall mean an employee stock option
 that is not an ISO.

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     (n)  "Offeree" shall mean an individual to whom the Committee has offered
the right to acquire Shares under the Plan (other than upon exercise of an
Option).

     (o)  "Option" shall mean an Incentive Stock Option or Nonstatutory Option
granted under the Plan and entitling the holder to purchase Shares.

     (p)  "Optionee" shall mean an individual or estate who holds an Option.

     (q)  "Outside Director" shall mean a member of the Board who is not a
Common-Law Employee of the Company or a Subsidiary.

     (r)  "Participant" shall mean an individual or estate who holds an Award.

     (s)  "Plan" shall mean this 2000 Stock Plan of Commercial Capital Bancorp,
Inc.

     (t)  "Purchase Price" shall mean the consideration for which one Share may
be acquired under the Plan (other than upon exercise of an Option), as specified
by the Committee.

     (u)  "Restricted Share" shall mean a Share sold or granted to an eligible
Employee which is nontransferable and subject to substantial risk of forfeiture
until restrictions lapse.

     (v) "Service" shall mean service as an Employee.

     (w)  "Share" shall mean one share of Stock, as adjusted in accordance with
Section 9 (if applicable).

     (x)  "Stock" shall mean the common stock of the Company with a stated value
of $2.667 per share.

     (y)  "Stock Award Agreement" shall mean the agreement between the Company
and the recipient of a Restricted Share which contains the terms, conditions and
restrictions pertaining to such Restricted Share.

     (z)  "Stock Option Agreement" shall mean the agreement between the Company
and an Optionee which contains the terms, conditions and restrictions pertaining
to his or her Option.

     (aa) "Stock Purchase Agreement" shall mean the agreement between the
Company and an Offeree who acquires Shares under the Plan which contains the
terms, conditions and restrictions pertaining to the acquisition of such Shares.

     (bb) "Subsidiary" means any corporation (other than the Company) in an
unbroken chain of corporations beginning with the Company, if each of the
corporations other than the last corporation in the unbroken chain owns stock
possessing 50% or more of the total combined voting power of all classes of
stock in one of the other corporations in such chain. A corporation that attains
the status of a Subsidiary on a date after the adoption of the Plan shall be
considered a Subsidiary commencing as of such date.

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     (cc) "Total and Permanent Disability" means that the Optionee is unable to
engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment.

     (dd) "W-2 Payroll" means whatever mechanism or procedure that the Company
or a Subsidiary utilizes to pay any individual which results in the issuance of
Form W-2 to the individual. "W-2 Payroll" does not include any mechanism or
procedure which results in the issuance of any form other than a Form W-2 to an
individual, including, but not limited to, any Form 1099 which may be issued to
an independent contractor, an agency employee or a consultant. Whether a
mechanism or procedure qualifies as a "W-2 Payroll" shall be determined in the
absolute discretion of the Company (or Subsidiary, as applicable), and the
Company or Subsidiary determination shall be conclusive and binding on all
persons.

SECTION 3.  ADMINISTRATION.

     (a)  Committee Membership. Until the Company's Shares become publicly
traded, the Plan shall be administered by the Compensation Committee of the
Board of Directors. In the event the Company's Shares become publicly traded,
the Board may appoint a Committee which, if appointed, shall be comprised solely
of two or more Outside Directors (although Committee functions may be delegated
to officers to the extent the awards relate to persons who are not subject to
the reporting requirements of Section 16 of the Exchange Act). If no Committee
has been appointed, the entire Board shall constitute the Committee.

     (b)  Committee Procedures. The Board of Directors shall designate one of
the members of the Committee as chairperson. The Committee may hold meetings at
such times and places as it shall determine. The acts of a majority of the
Committee members present at meetings at which a quorum exists, or acts reduced
to or approved in writing by all Committee members, shall be valid acts of the
Committee.

     (c)  Committee Responsibilities. The Committee has and may exercise such
power and authority as may be necessary or appropriate for the Committee to
carry out its functions as described in the Plan. The Committee has authority in
its discretion to determine eligible Employees to whom, and the time or times at
which, Awards may be granted and the number of Shares subject to each Award.
Subject to the express provisions of the respective Award agreements (which need
not be identical) and to make all other determinations necessary or advisable
for Plan administration, the Committee has authority to prescribe, amend, and
rescind rules and regulations relating to the Plan. All interpretations,
determinations, and actions by the Committee will be final, conclusive, and
binding upon all persons.

     (d)  Committee Liability. No member of the Board or the Committee will be
liable for any action or determination made in good faith by the Committee with
respect to the Plan or any Award made under the Plan.

     (e)  Financial Reports. To the extent required by applicable law, and not
less often than annually, the Company shall furnish to Offerees, Optionees and
Shareholders who have received Stock under the Plan its financial statements
including a balance sheet regarding the Company's financial condition and
results of operations, unless such Offerees, Optionees or

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Shareholders have duties with the Company that assure them access to equivalent
information. Such financial statements need not be audited.

SECTION 4.  ELIGIBILITY.

     (a)  General Rule. Only Employees shall be eligible for designation as
Participants by the Committee. In addition, only individuals who are employed as
Common-Law Employees by the Company or a Subsidiary shall be eligible for the
grant of ISOs.

     (b)  Ten-Percent Shareholders. An Employee who owns more than ten
percent (10%) of the total combined voting power of all classes of outstanding
stock of the Company or any of its Subsidiaries shall not be eligible for
designation as an Offeree or Optionee unless (i) the Exercise Price for an ISO
(and a NSO only to the extent required by applicable law) is at least one
hundred ten percent (110%) of the Fair Market Value of a Share on the date of
grant, (ii) the Purchase Price of Shares is at least one hundred percent (100%)
of the Fair Market Value of a Share on the date of grant, and (iii) in the case
of an ISO, such ISO by its terms is not exercisable after the expiration of five
years from the date of grant. Notwithstanding the preceding sentence in this
Section 4(b), if the Shares are exercised prior to vesting pursuant to the stock
purchase agreement, and the Fair Market Value of the Shares at such time equals
the Exercise Price, the limit of 100% provided in Section 260.140.42(b)(2) in
Title 10 of the California Code of Regulations shall apply to the Exercise Price
of a NSO.

     (c)  Attribution Rules. For purposes of Subsection (b) above, in
determining stock ownership, an Employee shall be deemed to own the stock owned,
directly or indirectly, by or for his brothers, sisters, spouse, ancestors and
lineal descendants. Stock owned, directly or indirectly, by or for a
corporation, partnership, estate or trust shall be deemed to be owned
proportionately by or for its shareholders, partners or beneficiaries. Stock
with respect to which such Employee holds an Option shall not be counted.

     (d)  Outstanding Stock. For purposes of Subsection (b) above, "outstanding
stock" shall include all stock actually issued and outstanding immediately after
the grant. "Outstanding Stock" shall not include shares authorized for issuance
under outstanding Options held by the Employee or by any other person.

SECTION 5.  STOCK SUBJECT TO PLAN.

     (a)  Basic Limitation. Shares offered under the Plan shall be authorized
but unissued Shares. Subject to Sections 5(b) and 9 of the Plan, the aggregate
number of Shares which may be issued or transferred pursuant to an Award under
the Plan shall not exceed 3,000,000 Shares.

     The number of shares that may be issued or transferred during a
twelve-month period to any Employee pursuant to any Award shall not exceed
850,000 Shares.

     In any event, (i) the number of Shares which are subject to Awards or other
rights outstanding at any time under the Plan shall not exceed the number of
Shares which then remain available for issuance under the Plan; and (ii) to the
extent an award is made in reliance upon the exemption available under Section
25102(o) of the California Corporations Code and SEC Rule 701, the number of
Shares which are subject to Awards or other rights outstanding at any time

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under the Plan or otherwise shall not exceed the limitation imposed by Section
260.140.45 of the Code of Regulations of the California Commissioner of
Corporations or Section 230.701(5)(d) of Title 17 of the Code of Federal
Regulations. The Company, during the term of the Plan, shall at all times
reserve and keep available sufficient Shares to satisfy the requirements of the
Plan.

     (b)  Additional Shares. In the event that any outstanding Option or
other right for any reason expires or is canceled or otherwise terminated, the
Shares allocable to the unexercised portion of such Option or other right shall
again be available for the purposes of the Plan. If a Restricted Share is
forfeited before any dividends have been paid with respect to such Restricted
Share, then such Restricted Share shall again become available for award under
the Plan.

SECTION 6.  TERMS AND CONDITIONS OF AWARDS OR SALES.

     (a)  Stock Purchase Agreement. Each award or sale of Shares under the Plan
(other than upon exercise of an Option) shall be evidenced by a Stock Purchase
Agreement between the Offeree and the Company. Such award or sale shall be
subject to all applicable terms and conditions of the Plan and may be subject to
any other terms and conditions which are not inconsistent with the Plan and
which the Committee deems appropriate for inclusion in a Stock Purchase
Agreement. The provisions of the various Stock Purchase Agreements entered into
under the Plan need not be identical.

     (b)  Duration of Offers. Any right to acquire Shares under the Plan (other
than an Option) shall automatically expire if not exercised by the Offeree
within 30 days after the grant of such right was communicated to the Offeree by
the Committee.

     (c)  Purchase Price. Unless otherwise permitted by applicable law, the
Purchase Price of Shares to be offered under the Plan shall not be less than
eighty-five percent (85%) of the Fair Market Value of a Share on the date of
grant (100% for 10% shareholders), except as otherwise provided in Section 4(b).
Subject to the preceding sentence, the Purchase Price shall be determined by the
Committee in its sole discretion. The Purchase Price shall be payable in a form
described in Subsection (d) below.

     (d)  Payment for Shares. The entire Purchase Price of Shares issued under
the Plan shall be payable in lawful money of the United States of America at the
time when such Shares are purchased, except as provided below. Notwithstanding
any other provision of the Plan, Shares may, in the discretion of the Committee,
be awarded under the Plan in consideration of Services rendered to the Company
or a Subsidiary prior to the Award. Permissible forms of payment, in addition to
cash, are:

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          (i)       Cashless Exercise. To the extent that a Stock Purchase
     Agreement so provides and a public market for the Shares exists, payment
     may be made all or in part by delivery (on a form prescribed by the
     Committee) of an irrevocable direction to a securities broker to sell
     Shares and to deliver all or part of the sale proceeds to the Company in
     payment of the aggregate Exercise Price.

          (ii)      Other Forms of Payment. To the extent provided in the Stock
     Purchase Agreement, payment may be made in any other form that is
     consistent with applicable laws, regulations and rules, including payment
     for past services.

     (e)  Exercise of Awards on Termination of Service. Each Stock Award
Agreement shall set forth the extent to which the recipient shall have the right
to exercise the Award following termination of the recipient's Service with the
Company and its Subsidiaries. Such provisions shall be determined in the sole
discretion of the Committee, need not be uniform among all the Awards issued
pursuant to the Plan, and may reflect distinctions based on the reasons for
termination of employment.

SECTION 7.  ADDITIONAL TERMS AND CONDITIONS OF RESTRICTED SHARES.

     (a)  Form and Amount of Award. Each Stock Award Agreement shall specify the
number of Shares that are subject to the Award. Restricted Shares may be awarded
in combination with NSOs and such an Award may provide that the Restricted
Shares will be forfeited in the event that the related NSOs are exercised.

     (b)  Exercisability. Each Stock Award Agreement shall specify the
conditions upon which Restricted Shares shall become vested, in full or in
installments. To the extent required by applicable law, each Stock Award shall
become exercisable no less rapidly than the rate of 20% per year for each of the
first five years from the date of grant. Subject to the preceding sentence, the
exercisability of any Stock Award shall be determined by the Committee in its
sole discretion.

     (c)  Effect of Change in Control. The Committee may determine at the time
of making an Award or thereafter, that such Award shall become fully vested, in
whole or in part, in the event that a Change in Control occurs with respect to
the Company.

     (d)  Voting Rights. Holders of Restricted Shares awarded under the Plan
shall have the same voting, dividend and other rights as the Company's other
stockholders. A Stock Award Agreement, however, may require that the holders
invested any cash dividends received in additional Restricted Shares. Such
additional Restricted Shares shall be subject to the same conditions and
restrictions as the Award with respect to which the dividends were paid. Such
additional Restricted Shares shall not reduce the number of Shares available
under Section 5.

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SECTION 8.  TERMS AND CONDITIONS OF OPTIONS.

     (a)  Stock Option Agreement. Each grant of an Option under the Plan shall
be evidenced by a Stock Option Agreement between the Optionee and the Company.
Such Option shall be subject to all applicable terms and conditions of the Plan
and may be subject to any other terms and conditions which are not inconsistent
with the Plan and which the Committee deems appropriate for inclusion in a Stock
Option Agreement. The provisions of the various Stock Option Agreements entered
into under the Plan need not be identical.

     (b)  Number of Shares. Each Stock Option Agreement shall specify the number
of Shares that are subject to the Option and shall provide for the adjustment of
such number in accordance with Section 9. The Stock Option Agreement shall also
specify whether the Option is an ISO or a Nonstatutory Option.

     (c)  Exercise Price. Each Stock Option Agreement shall specify the Exercise
Price. The Exercise Price of an ISO shall not be less than one hundred percent
(100%) of the Fair Market Value of a Share on the date of grant, except as
otherwise provided in Section 4(b). To the extent required by applicable law and
except as otherwise provided in Section 4(b), the Exercise Price of a
Nonstatutory Option shall not be less than eighty- five percent (85%) of the
Fair Market Value of a Share on the date of grant. Subject to the preceding two
sentences, the Exercise Price under any Option shall be determined by the
Committee in its sole discretion. The Exercise Price shall be payable in a form
described in Subsection (h) below.

     (d)  Exercisability. Each Stock Option Agreement shall specify the date
when all or any installment of the Option is to become exercisable. To the
extent required by applicable law, an Option shall become exercisable no less
rapidly than the rate of 20% per year for each of the first five years from the
date of grant. Subject to the preceding sentence, the exercisability of any
Option shall be determined by the Committee in its sole discretion.

     (e)  Effect of Change in Control. The Committee may determine, at the time
of granting an Option or thereafter, that such Option shall become fully
exercisable as to all Shares subject to such Option in the event that a Change
in Control occurs with respect to the Company.

     (f)  Term. The Stock Option Agreement shall specify the term of the Option.
The term shall not exceed ten years from the date of grant (or five (5) years
for ten percent (10%) shareholders as provided in Section 4(b)). Subject to the
preceding sentence, the Committee at its sole discretion shall determine when an
Option is to expire.

     (g)  Exercise of Options on Termination of Service. Each Option shall set
forth the extent to which the Optionee shall have the right to exercise the
Option following termination of the Optionee's Service with the Company and its
Subsidiaries. Such provisions shall be determined in the sole discretion of the
Committee, need not be uniform among all Options issued pursuant to the Plan,
and may reflect distinctions based on the reasons for termination of employment.
Notwithstanding the foregoing, to the extent required by applicable law, each
Option shall provide that the Optionee shall have the right to exercise the
vested portion of any Option held at termination for at least 60 days following
termination of Service with the Company for any reason, and that the Optionee,
or his or her estate shall have the right to

                                      - 9 -

<PAGE>

exercise the Option for at least twelve months if the Optionee's Service
terminates due to death or Disability. All Options will immediately vest if
termination of Service is due to death or disability.

     (h)  Payment of Option Shares. The entire Exercise Price of Shares issued
under the Plan shall be payable in lawful money of the United States of America
at the time when such Shares are purchased, except as provided below:

          (i)       Cashless Exercise. To the extent that a Stock Option
Agreement so provides and a public market for the Shares exists, payment may be
made all or in part by delivery (on a form prescribed by the Committee) of an
irrevocable direction to a securities broker to sell Shares and to deliver all
or part of the sale proceeds to the Company in payment of the aggregate Exercise
Price.

          (ii)      Other Forms of Payment. To the extent provided in the Stock
Option Agreement, payment may be made in any other form that is consistent with
applicable laws, regulations and rules.

     (i)  No Rights as a Shareholder. An Optionee, or a transferee of an
Optionee, shall have no rights as a shareholder with respect to any Shares
covered by an Option until the date of the issuance of a stock certificate for
such Shares.

     (j)  Modification, Extension and Assumption of Options. Within the
limitations of the Plan, the Committee may modify, extend or assume outstanding
Options or may accept the cancellation of outstanding Options (whether granted
by the Company or another issuer) in return for the grant of new Options for the
same or a different number of Shares and at the same or a different Exercise
Price or for other consideration.

                                     - 10 -

<PAGE>

SECTION 9.  ADJUSTMENT OF SHARES.

     (a)  General. In the event of a subdivision of the outstanding Stock, a
declaration of a dividend payable in Shares, a combination or consolidation of
the outstanding Stock into a lesser number of Shares, a recapitalization, a
reclassification or a similar occurrence, the Committee shall make appropriate
adjustments, subject to the limitations set forth in Section 9(c), in one or
more of (i) the number of Shares available for future Awards under Section 5,
(ii) the number of Shares covered by each outstanding Option or Purchase
Agreement or (iii) the Exercise Price or Purchase Price under each outstanding
Option or Stock Purchase Agreement.

     (b)  Reorganizations. In the event that the Company is a party to a merger
or reorganization, outstanding Options shall be subject to the agreement of
merger or reorganization, provided however, that the limitations set forth in
Section 9(c) shall apply.

     (c)  Reservation of Rights. Except as provided in this Section 9, an
Optionee or an Offeree shall have no rights by reason of (i) any subdivision or
consolidation of shares of stock of any class, (ii) the payment of any dividend
or (iii) any other increase or decrease in the number of shares of stock of any
class. Any issue by the Company of shares of stock of any class, or securities
convertible into shares of stock of any class, shall not affect, and no
adjustment by reason thereof shall be made with respect to, the number, Exercise
Price or Purchase Agreement of Shares subject to an Option or Stock Purchase
Agreement. The grant of an Award pursuant to the Plan shall not affect in any
way the right or power of the Company to make adjustments, reclassifications,
reorganizations or changes of its capital or business structure, to merge or
consolidate or to dissolve, liquidate, sell or transfer all or any part of its
business or assets.

SECTION 10. WITHHOLDING TAXES.

     (a)  General. To the extent required by applicable federal, state, local or
foreign law, a Participant or his or her successor shall make arrangements
satisfactory to the Committee for the satisfaction of any withholding tax
obligations that arise in connection with the Plan. The Company shall not be
required to issue any Shares or make any cash payment under the Plan until such
obligations are satisfied. Furthermore, all arrangements pursuant to this
Section shall be consistent with the rules of fixed accounting treatment
pursuant to Accounting Principles Board statement 25 and interpreted thereunder.
Any arrangements, provisions in the Plan or agreements thereunder which are
inconsistent with the requirements for fixed accounting treatment are void.

                                     - 11 -

<PAGE>

     (b)  Cashless Exercise/Pledge. The Committee may provide that if Company
Shares are publicly traded at the time of exercise, arrangements may be made to
meet the Optionee's withholding obligation by cashless exercise or pledge.

     (c)  Other Forms of Payment. The Committee may permit such other means of
tax withholding as it deems appropriate.

SECTION 11. ASSIGNMENT OR TRANSFER OF AWARDS.

     (a)  General. An Award granted under the Plan shall not be anticipated,
assigned, attached, garnished, optioned, transferred or made subject to any
creditor's process, whether voluntarily, involuntarily or by operation of law,
except as approved by the Committee. Notwithstanding the foregoing, ISOs may not
be transferable. Also notwithstanding the foregoing, while the Shares are
subject to California Corporations Code Section 25102(o) and SEC Rule 701, (i)
Offerees and Optionees may not transfer their rights hereunder except by will,
beneficiary designation or the laws of descent and distribution, and (ii) any
rights of repurchase in favor of the Company shall take into account the
provisions of Department of Corporations Regulation Section 260.140.41 or
260.140.42, as applicable.

     (b)  Trusts. Neither this Section 11 nor any other provision of the Plan
shall preclude a Participant from transferring or assigning Restricted Shares to
(a) the trustee of a trust that is revocable by such Participant alone, both at
the time of the transfer or assignment and at all times thereafter prior to such
Participant's death, or (b) the trustee of any other trust to the extent
approved by the Committee in writing. A transfer or assignment of Restricted
Shares from such trustee to any other person than such Participant shall be
permitted only to the extent approved in advance by the Committee in writing,
and Restricted Shares held by such trustee shall be subject to all the
conditions and restrictions set forth in the Plan and in the applicable Stock
Award Agreement, as if such trustee were a party to such Agreement.

SECTION 12. LEGAL REQUIREMENTS.

     Shares shall not be issued under the Plan unless the issuance and delivery
of such Shares complies with (or is exempt from) all applicable requirements of
law, including (without limitation) the Securities Act of 1933, as amended, the
rules and regulations promulgated thereunder, state securities laws and
regulations, and the regulations of any stock exchange on which the Company's
securities may then be listed.

SECTION 13. NO EMPLOYMENT RIGHTS.

     No provision of the Plan, nor any right or Option granted under the Plan,
shall be construed to give any person any right to become, to be treated as, or
to remain an Employee. The Company and its Subsidiaries reserve the right to
terminate any person's Service at any time and for any reason.

                                     - 12 -

<PAGE>

SECTION 14. DURATION AND AMENDMENTS.

     (a)  Term of the Plan. The Plan, as set forth herein, shall become
effective on the date of its adoption by the Board of Directors, subject to the
approval of the Company's shareholders. In the event that the shareholders fail
to approve the Plan within twelve (12) months after its adoption by the Board of
Directors, any grants already made shall be null and void, and no additional
grants shall be made after such date. The Plan shall terminate automatically ten
(10) years after the effective date of any approval of the Plan or the number of
shares available thereunder by the Shareholders and may be terminated on any
earlier date pursuant to Subsection (b) below.

     (b)  Right to Amend or Terminate the Plan. The Board of Directors may amend
the Plan at any time and from time to time. Rights and obligations under any
right or Option granted before amendment of the Plan shall not be materially
altered, or impaired adversely, by such amendment, except with consent of the
person to whom the right or Option was granted. An amendment of the Plan shall
be subject to the approval of the Company's shareholders only to the extent
required by applicable laws, regulations or rules including the rules of any
applicable exchange.

     (c)  Effect of Amendment or Termination. No Shares shall be issued or sold
under the Plan after the termination thereof, except upon exercise of an Option
granted prior to such termination. The termination of the Plan, or any amendment
thereof, shall not affect any Shares previously issued or any Option previously
granted under the Plan.

                                     - 13 -

<PAGE>

     THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED OR QUALIFIED
UNDER THE SECURITIES ACT OF 1933 OR THE SECURITIES LAWS OF ANY STATE, AND MAY BE
OFFERED AND SOLD ONLY IF REGISTERED AND QUALIFIED PURSUANT TO THE RELEVANT
PROVISIONS OF FEDERAL AND STATE SECURITIES LAWS OR IF THE COMPANY IS PROVIDED AN
OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT REGISTRATION AND
QUALIFICATION UNDER FEDERAL AND STATE SECURITIES LAWS IS NOT REQUIRED.

                        COMMERCIAL CAPITAL BANCORP, INC.

                                 2000 STOCK PLAN

                        INCENTIVE STOCK OPTION AGREEMENT

     Commercial Capital Bancorp, Inc. (the "Company"), hereby grants an Option
to purchase shares of its common stock ("Shares") to the Optionee named below.
The terms and conditions of the Option are set forth in this cover sheet, in the
attachment and in the Company's 2000 Stock Plan (the "Plan").

     Date of Grant: _________________________

     Name of Optionee: ________________________________________________

     Optionee's Social Security Number: ______________________

Number of Shares Covered by Option: ____________

     Exercise Price per Share: $_____________________

[must be at least 100% fair market value on Date of Grant]

     Vesting Start Date: _____________________________

[ ]  Check here if Optionee is a 10% owner (so that exercise price must be 110%
     of fair market value and term will not exceed 5 years).

     By signing this cover sheet, you agree to all of the terms and conditions
     described in the attached Agreement and in the Plan, a copy of which is
     also attached.

Optionee:
          -----------------------------
          (Signature)

Company:
          ----------------------------
          (Signature)

Title:
       -----------------------------

                                      - 1 -

<PAGE>

                                                                       2000 PLAN

                        COMMERCIAL CAPITAL BANCORP, INC.
                                 2000 STOCK PLAN

                        INCENTIVE STOCK OPTION AGREEMENT

INCENTIVE STOCK     This Option is intended to be an incentive stock option
OPTION              under section 422 of the Internal Revenue Code and will be
                    interpreted accordingly.

VESTING             Your Option vests monthly over a three-year period beginning
                    on the Vesting Start Date as shown on the cover sheet.
                    Accordingly, this Option vests at a rate of 1/36 of the
                    Shares covered by the Option per month from the Vesting
                    Start Date. The number of Shares which vest under this
                    Option at the Exercise Price shall be equal to the product
                    of the number of full months of your continuous employment
                    with the Company ("Service")(including any approved leaves
                    of absence) from the Vesting Start Date times the number of
                    Shares covered by this Option times 1/36. The resulting
                    number of Shares will be rounded to the nearest whole
                    number. Notwithstanding the above, no Shares will vest until
                    you have performed twelve months of Service from the
                    commencement of your employment with the Company. No
                    additional Shares will vest after your Service has
                    terminated for any reason.

                    You should note that you may exercise the Option prior to
                    vesting. In that case, the Company has a right to repurchase
                    the unvested shares at the original exercise price if you
                    terminate employment before vesting in all shares you
                    purchased. Also, if you exercise before vesting, you should
                    consider making an 83(b) election. Please see the attached
                    Tax Summary. The 83(b) election must be filed within 30 days
                    of the date you exercise.

                    Notwithstanding the above, the Options shall be vested in
                    full upon a Change in Control.

TERM                Your Option will expire in any event at the close of
                    business at Company headquarters on the day before the tenth
                    anniversary (fifth anniversary for a 10% owner) of the Date
                    of Grant, as shown on the cover sheet. (It will expire
                    earlier if your Service terminates, as described below.)

REGULAR             If your Service terminates for any reason except death or
TERMINATION         Disability, your Option will expire at the close of business
                    at Company headquarters on the 90th day after your
                    termination

                                      - 2 -

<PAGE>

                                                                       2000 PLAN

                    date. During that 90-day period, you may exercise that
                    portion of your Option that was vested on your termination
                    date. If your Service terminates due to a Change in Control,
                    you will have the remaining Term to exercise your Options.

DEATH               If you die while in Service with the Company, your Options
                    will immediately vest and will expire at the close of
                    business at Company headquarters on the date twelve months
                    after the date of death. During that twelve month period,
                    your estate or heirs may exercise your Options.

DISABILITY          If your Service terminates because of your Disability, your
                    Options will immediately vest and will expire at the close
                    of business at Company headquarters on the date twelve
                    months after your termination date. (However, if your
                    Disability is not expected to result in death or to last for
                    a continuous period of at least 12 months, your Option will
                    be eligible for ISO tax treatment only if it is exercised
                    within three months following the termination of your
                    Service.) During that twelve month period, you may exercise
                    your Options.

                    "Disability" means that you are unable to engage in any
                    substantial gainful activity by reason of any medically
                    determinable physical or mental impairment.

LEAVES OF ABSENCE   For purposes of this Option, your Service does not terminate
                    when you go on a bona fide leave of absence that was
                    approved by the Company in writing, if the terms of the
                    leave provide for continued service crediting, or when
                    continued service crediting is required by applicable law.
                    However, your Service will be treated as terminating 90 days
                    after you went on leave, unless your right to return to
                    active work is guaranteed by law or by a contract. Your
                    Service terminates in any event when the approved leave ends
                    unless you immediately return to active work. The Company
                    determines which leaves count for this purpose, and when
                    your Service terminates for all purposes under the Plan. The
                    Company also determines the extent to which you may exercise
                    the vested portion of your Option during a leave of absence.

NOTICE OF EXERCISE  When you wish to exercise this Option, you must execute
                    Exhibit A (and, if exercise is prior to vesting, you must
                    also execute Exhibits B and D). Your exercise will be
                    effective when it is received by the Company. If someone
                    else wants to exercise this Option after your death, that
                    person must prove to the

                                      - 3 -

<PAGE>

                                                                       2000 PLAN

                    Company's satisfaction that he or she is entitled to do so.

FORM OF PAYMENT     When you submit Exhibit A, you must include payment of the
                    Exercise Price for the Shares you are purchasing. Payment
                    may be made in one (or a combination) of the following
                    forms:

                    .    Your personal check, a cashier's check or a money
                         order.

                    .    To the extent that a public market for the Shares
                         exists as determined by the Company, by delivery (on a
                         form prescribed by the Committee) of an irrevocable
                         direction to a securities broker to sell Shares and to
                         deliver all or part of the sale proceeds to the Company
                         in payment of the aggregate Exercise Price.

                    .    Any other form of legal consideration approved by the
                         Committee.

WITHHOLDING         You will not be allowed to exercise this Option unless you
TAXES               make acceptable arrangements to pay any withholding or other
                    taxes that may be due as a result of the Option exercise or
                    the sale of Shares acquired upon exercise of this Option.

RESTRICTIONS ON     By signing this Agreement, you agree not to exercise this
EXERCISE AND        Option or sell any Shares acquired upon exercise of this
RESALE              Option at a time when applicable laws, regulations or
                    Company or underwriter trading policies prohibit exercise or
                    sale. In particular, the Company shall have the right to
                    designate one or more periods of time, each of which shall
                    not exceed 180 days in length, during which this Option
                    shall not be exercisable if the Company determines (in its
                    sole discretion) that such limitation on exercise could in
                    any way facilitate a lessening of any restriction on
                    transfer pursuant to the Securities Act or any state
                    securities laws with respect to any issuance of securities
                    by the Company, facilitate the registration or qualification
                    of any securities by the Company under the Securities Act or
                    any state securities laws, or facilitate the perfection of
                    any exemption from the registration or qualification
                    requirements of the Securities Act or any applicable state
                    securities laws for the issuance or transfer of any
                    securities. Such limitation on exercise shall not alter the
                    vesting schedule set forth in this Agreement other than to
                    limit the periods during which this Option shall be
                    exercisable.

                                      - 4 -

<PAGE>

                                                                       2000 PLAN

                    If the sale of Shares under the Plan is not registered under
                    the Securities Act of 1933, as amended (the "Securities
                    Act"), but an exemption is available which requires an
                    investment or other representation, you shall represent and
                    agree at the time of exercise that the Shares being acquired
                    upon exercise of this Option are being acquired for
                    investment, and not with a view to the sale or distribution
                    thereof, and shall make such other representations as are
                    deemed necessary or appropriate by the Company and its
                    counsel.

THE COMPANY'S       In the event that you propose to sell, pledge or otherwise
RIGHT OF            transfer to a third party any Shares acquired under this
FIRST REFUSAL       Agreement, or any interest in such Shares, the Company shall
                    have the "Right of First Refusal" with respect to all (and
                    not less than all) of such Shares. If you desire to transfer
                    Shares acquired under this Agreement, you must give a
                    written "Transfer Notice" to the Company describing fully
                    the proposed transfer, including the number of Shares
                    proposed to be transferred, the proposed transfer price and
                    the name and address of the proposed transferee. The
                    Transfer Notice shall be signed both by you and by the
                    proposed transferee and must constitute a binding commitment
                    of both parties to the transfer of the Shares.

                    The Company and its assignees shall have the right to
                    purchase all, and not less than all, of the Shares on the
                    terms described in the Transfer Notice (subject, however, to
                    any change in such terms permitted in the next paragraph) by
                    delivery of a Notice of Exercise of the Right of First
                    Refusal within 30 days after the date when the Transfer
                    Notice was received by the Company. The Company's rights
                    under this Subsection shall be freely assignable, in whole
                    or in part.

                    If the Company fails to exercise its Right of First Refusal
                    within 30 days after the date when it received the Transfer
                    Notice, you may, not later than 60 days following receipt of
                    the Transfer Notice by the Company, conclude a transfer of
                    the Shares subject to the Transfer Notice on the terms and
                    conditions described in the Transfer Notice. Any proposed
                    transfer on terms and conditions different from those
                    described in the Transfer Notice, as well as any subsequent
                    proposed transfer by you, shall again be subject to the
                    Right of First Refusal and shall require compliance with the
                    procedure described in the paragraph above. If the Company
                    exercises its Right of First Refusal, you and the Company
                    (or its assignees) shall consummate the sale of the Shares
                    on the terms set forth in the Transfer Notice.

                                      - 5 -

<PAGE>

                                                                       2000 PLAN

                    The Company's Right of First Refusal shall inure to the
                    benefit of its successors and assigns and shall be binding
                    upon any transferee of the Shares.

RIGHT OF            Following termination of your Service for any reason, the
REPURCHASE          Company shall have the right to purchase all of those vested
                    Shares that you have or will acquire under this Option
                    (unvested Shares which have been exercised are subject to a
                    Repurchase Option set forth in Exhibit A). If the Company
                    fails to provide you with written notice of its intention to
                    purchase such Shares before or within 30 days of the date
                    the Company receives written notice from you of your
                    termination of Service, the Company's right to purchase such
                    Shares shall terminate. If the Company exercises its right
                    to purchase such Shares, the Company will consummate the
                    purchase of such Shares within 60 days of the date of its
                    written notice to you. The purchase price for any Shares
                    repurchased shall be the higher of the fair market value of
                    the Shares on the date of purchase or the aggregate Exercise
                    Price for such Shares and shall be paid in cash. The
                    Company's right of repurchase shall terminate in the event
                    that Stock is listed on an established stock exchange or is
                    quoted regularly on the Nasdaq National Market. The fair
                    market value shall be determined by the Board of Directors
                    in its sole discretion.

TRANSFER OF         Prior to your death, only you may exercise this Option. You
OPTION              cannot transfer or assign this Option. For instance, you may
                    not sell this Option or use it as security for a loan. If
                    you attempt to do any of these things, this Option will
                    immediately become invalid. You may, however, dispose of
                    this Option in your will.

                    Regardless of any marital property settlement agreement, the
                    Company is not obligated to honor a Notice of Exercise from
                    your spouse or former spouse, nor is the Company obligated
                    to recognize such individual's interest in your Option in
                    any other way.

RETENTION RIGHTS    This Agreement does not give you the right to be retained by
                    the Company in any capacity. The Company reserves the right
                    to terminate your Service at any time and for any reason.

SHAREHOLDER         Neither you, nor your estate or heirs, have any rights as a
RIGHTS              shareholder of the Company until a certificate for the
                    Shares acquired upon exercise of this Option has been
                    issued. No adjustments are made for dividends or other
                    rights if the applicable record date occurs before your
                    stock certificate is

                                      - 6 -

<PAGE>

                                                                       2000 PLAN

                    issued, except as described in the Plan.

ADJUSTMENTS         In the event of a stock split, a stock dividend or a similar
                    change in the Company's Stock, the number of Shares covered
                    by this Option and the Exercise Price per share may be
                    adjusted pursuant to the Plan. Your Option shall be subject
                    to the terms of the agreement of merger, liquidation or
                    reorganization in the event the Company is subject to such
                    corporate activity.

LEGENDS             All certificates representing the Shares issued upon
                    exercise of this Option shall, where applicable, have
                    endorsed thereon the following legends:

                    "THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT
                    TO CERTAIN RESTRICTIONS ON TRANSFER AND OPTIONS TO PURCHASE
                    SUCH SHARES SET FORTH IN AN AGREEMENT BETWEEN THE COMPANY
                    AND THE REGISTERED HOLDER, OR SUCH HOLDER'S PREDECESSOR IN
                    INTEREST. SUCH AGREEMENT IMPOSES CERTAIN TRANSFER
                    RESTRICTIONS AND GRANTS CERTAIN REPURCHASE RIGHTS TO THE
                    COMPANY (OR ITS ASSIGNS) UPON THE SALE OF THE SHARES OR UPON
                    TERMINATION OF SERVICE WITH THE COMPANY. A COPY OF SUCH
                    AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICE OF THE COMPANY
                    AND WILL BE FURNISHED UPON WRITTEN REQUEST TO THE SECRETARY
                    OF THE COMPANY BY THE HOLDER OF SHARES REPRESENTED BY THIS
                    CERTIFICATE.

                    THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
                    REGISTERED UNDER THE SECURITIES ACT OF 1933, OR THE
                    SECURITIES LAWS OF ANY STATE, AND MAY BE OFFERED AND SOLD
                    ONLY IF REGISTERED AND QUALIFIED PURSUANT TO THE RELEVANT
                    PROVISIONS OF FEDERAL AND STATE SECURITIES LAWS OR IF THE
                    COMPANY IS PROVIDED AN OPINION OF COUNSEL, SATISFACTORY TO
                    THE COMPANY AND ITS COUNSEL, THAT REGISTRATION AND
                    QUALIFICATION UNDER FEDERAL AND STATE SECURITIES LAWS IS NOT
                    REQUIRED."

APPLICABLE LAW      This Agreement will be interpreted and enforced under the
                    laws of the State of California (without regard to their
                    choice of law provisions).

                                      - 7 -

<PAGE>

                                                                       2000 PLAN

THE PLAN AND        The text of the Plan is incorporated in this Agreement by
OTHER AGREEMENTS    reference. Certain capitalized terms used in this Agreement
                    are defined in the Plan.

                    This Agreement, including its attachments, and the Plan
                    constitute the entire understanding between you and the
                    Company regarding this Option. Any prior agreements,
                    commitments or negotiations concerning this Option are
                    superseded.

     By signing the cover sheet of this Agreement, you agree to all of the terms
     and conditions described above and in the Plan. You also acknowledge that
     you have read Section 11, "Purchaser's Investment Representations" of
     Attachment A and that you can and hereby do make the same representations
     with respect to the grant of this Option.

                                      - 8 -

<PAGE>

                                                                       2000 PLAN

     THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED OR QUALIFIED
UNDER THE SECURITIES ACT OF 1933 OR THE SECURITIES LAWS OF ANY STATE, AND MAY BE
OFFERED AND SOLD ONLY IF REGISTERED AND QUALIFIED PURSUANT TO THE RELEVANT
PROVISIONS OF FEDERAL AND STATE SECURITIES LAWS OR IF THE COMPANY IS PROVIDED AN
OPINION OF COUNSEL SATISFACTORY TO THE COMPANY THAT REGISTRATION AND
QUALIFICATION UNDER FEDERAL AND STATE SECURITIES LAWS IS NOT REQUIRED.

                        COMMERCIAL CAPITAL BANCORP, INC.

                                 2000 STOCK PLAN

                       NONSTATUTORY STOCK OPTION AGREEMENT

     Commercial Capital Bancorp, Inc. (the "Company"), hereby grants an Option
to purchase shares of its common stock ("Shares") to the Optionee named below.
The terms and conditions of the Option are set forth in this cover sheet, in the
attachment and in the Company's 2000 Stock Plan (the "Plan").

Date of Grant: _____________

Name of Optionee: _______________________________

Optionee's Social Security Number: ________

Number of Shares Covered by Option: ________

Exercise Price per Share: $_____________________

Vesting Start Date: _____________________________

[ ]  Check here if Optionee is a 10% owner (so that exercise price must be 110%
of fair market value and term will not exceed 5 years).

     By signing this cover sheet, you agree to all of the terms and conditions
     described in the attached Agreement and in the Plan, a copy of which is
     also attached.

Optionee:
          -----------------------------
          (Signature)

Company:
          -----------------------------
          (Signature)

Title:
        -----------------------------

                                      - 1 -

<PAGE>

                                                                       2000 PLAN

                        COMMERCIAL CAPITAL BANCORP, INC.

                                 2000 STOCK PLAN

                       NONSTATUTORY STOCK OPTION AGREEMENT

NONSTATUTORY        This Option is not intended to be an incentive stock option
STOCK OPTION        under section 422 of the Internal Revenue Code and will be
                    interpreted accordingly.

VESTING             Your Option vests monthly over a three-year period beginning
                    on the Vesting Start Date as shown on the cover sheet.
                    Accordingly, this Option vests at a rate of 1/36 of the
                    Shares covered by the Option per month from the Vesting
                    Start Date. The number of Shares which vest under this
                    Option at the Exercise Price shall be equal to the product
                    of the number of full months of your continuous employment
                    with the Company ("Service")(including any approved leaves
                    of absence) from the Vesting Start Date times the number of
                    Shares covered by this Option times 1/36. The resulting
                    number of Shares will be rounded to the nearest whole
                    number. Notwithstanding the above, no Shares will vest until
                    you have performed twelve months of Service from the
                    commencement of your employment with the Company. No
                    additional Shares will vest after your Service has
                    terminated for any reason.

                    You should note that you may exercise the Option prior to
                    vesting. In that case, the Company has a right to repurchase
                    the unvested shares at the original exercise price if you
                    terminate employment before vesting in all shares you
                    purchased. Also, if you exercise before vesting, you should
                    consider making an 83(b) election. Please see the attached
                    Tax Summary. The 83(b) election must be filed within 30 days
                    of the date you exercise.

                    Notwithstanding the above, the Options shall be vested in
                    full upon a Change in Control.

TERM                Your Option will expire in any event at the close of
                    business at Company headquarters on the day before the tenth
                    anniversary of the Date of Grant, as shown on the cover
                    sheet. (It will expire earlier if your Service terminates,
                    as described below.) If your Service terminates due to a
                    Change in Control, you will have the remaining Term to
                    exercise your Options.

                                      - 2 -

<PAGE>

                                                                       2000 PLAN

REGULAR             If your Service terminates for any reason except death or
TERMINATION         Disability, your Option will expire at the close of business
                    at Company headquarters on the 90th day after your
                    termination date. During such 90-day period, you may
                    exercise that portion of your Option that was vested on your
                    termination date.

DEATH               If you die while in Service with the Company, your Options
                    will immediately vest and will expire at the close of
                    business at Company headquarters on the date twelve months
                    after the date of death. During that twelve month period,
                    your estate or heirs may exercise your Options.

DISABILITY          If your Service terminates because of your Disability, your
                    Options will immediately vest and will expire at the close
                    of business at Company headquarters on the date twelve
                    months after your termination date. During that twelve month
                    period, you may exercise your Options.

                    "Disability" means that you are unable to engage in any
                    substantial gainful activity by reason of any medically
                    determinable physical or mental impairment.

LEAVES OF ABSENCE   For purposes of this Option, your Service does not terminate
                    when you go on a bona fide leave of absence that was
                    approved by the Company in writing, if the terms of the
                    leave provide for continued service crediting, or when
                    continued service crediting is required by applicable law.
                    However, your Service will be treated as terminating 90 days
                    after you went on leave, unless your right to return to work
                    is guaranteed by law or by a contract. Your service
                    terminates in any event when the approved leave ends unless
                    you immediately return to Service. The Company determines
                    which leaves count for this purpose, and when your Service
                    terminates for all purposes under the Plan. The Company also
                    determines the extent to which you may exercise the vested
                    portion of your Option during a leave of absence.

NOTICE OF EXERCISE  When you wish to exercise this Option, you must execute
                    Exhibit A (and if exercise is prior to vesting you must also
                    execute Exhibits B and D). Your Exercise will be effective
                    when it is received by the Company. If someone else wants to
                    exercise this Option after your death, that person must
                    prove to the Company's satisfaction that he or she is
                    entitled to do so.

FORM OF PAYMENT     When you submit Exhibit A, you must include payment of the
                    Exercise Price for the Shares you are purchasing. Payment
                    may

                                      - 3 -

<PAGE>

                                                                       2000 PLAN

                    be made in one (or a combination) of the following forms:

                         .    Your personal check, a cashier's check or a money
                         order.

                         .    To the extent that a public market for the Shares
                         exists as determined by the Company, by delivery (on a
                         form prescribed by the Committee) of an irrevocable
                         direction to a securities broker to sell Shares and to
                         deliver all or part of the sale proceeds to the Company
                         in payment of the aggregate Exercise Price.

                         .    Any other form of legal consideration approved by
                         the Committee.

WITHHOLDING         You will not be allowed to exercise this Option unless you
TAXES               make acceptable arrangements to pay any withholding or other
                    taxes that may be due as a result of the Option exercise or
                    the sale of Shares acquired upon exercise of this Option.

                    By signing this Agreement, you agree not to exercise this
                    Option or sell any Shares acquired upon exercise of this
                    Option at a time when applicable laws, regulations or
                    Company or underwriter trading policies prohibit exercise or
                    sale. In particular, the Company shall have the right to
                    designate one or more periods of time, each of which shall
                    not exceed 180 days in length, during which this Option
                    shall not be exercisable if the Company determines (in its
                    sole discretion) that such limitation on exercise could in
                    any way facilitate a lessening of any restriction on
                    transfer pursuant to the Securities Act or any state
                    securities laws with respect to any issuance of securities
                    by the Company, facilitate the registration or qualification
                    of any securities by the Company under the Securities Act or
                    any state securities laws, or facilitate the perfection of
                    any exemption from the registration or qualification
                    requirements of the Securities Act or any applicable state
                    securities laws for the issuance or transfer of any
                    securities. Such limitation on exercise shall not alter the
                    vesting schedule set forth in this Agreement other than to
                    limit the periods during which this Option shall be
                    exercisable.

                    If the sale of Shares under the Plan is not registered under
                    the Securities Act of 1933, as amended (the "Securities
                    Act"), but an exemption is available which requires an
                    investment or other representation, you shall represent and
                    agree at the time of exercise that the Shares being acquired
                    upon exercise of this Option are being acquired for
                    investment, and not with a view to

                                      - 4 -

<PAGE>

                                                                       2000 PLAN

                    the sale or distribution thereof, and shall make such other
                    representations as are deemed necessary or appropriate by
                    the Company and its counsel.

THE COMPANY'S       In the event that you propose to sell, pledge or otherwise
RIGHT OF FIRST      transfer to a third party any Shares acquired under this
REFUSAL             Agreement, or any interest in such Shares, the Company shall
                    have the "Right of First Refusal" with respect to all (and
                    not less than all) of such Shares. If you desire to transfer
                    Shares acquired under this Agreement, you must give a
                    written "Transfer Notice" to the Company describing fully
                    the proposed transfer, including the number of Shares
                    proposed to be transferred, the proposed transfer price and
                    the name and address of the proposed transferee. The
                    Transfer Notice shall be signed both by you and by the
                    proposed transferee and must constitute a binding commitment
                    of both parties to the transfer of the Shares.

                    The Company and its assignees shall have the right to
                    purchase all, and not less than all, of the Shares on the
                    terms described in the Transfer Notice (subject, however, to
                    any change in such terms permitted in the next paragraph) by
                    delivery of a notice of exercise of the Right of First
                    Refusal within 30 days after the date when the Transfer
                    Notice was received by the Company. The Company's rights
                    under this Subsection shall be freely assignable, in whole
                    or in part.

                    If the Company fails to exercise its Right of First Refusal
                    within 30 days after the date when it received the Transfer
                    Notice, you may, not later than 60 days following receipt of
                    the Transfer Notice by the Company, conclude a transfer of
                    the Shares subject to the Transfer Notice on the terms and
                    conditions described in the Transfer Notice. Any proposed
                    transfer on terms and conditions different from those
                    described in the Transfer Notice, as well as any subsequent
                    proposed transfer by you, shall again be subject to the
                    Right of First Refusal and shall require compliance with the
                    procedure described in the paragraph above. If the Company
                    exercises its Right of First Refusal, you and the Company
                    (or its assignees) shall consummate the sale of the Shares
                    on the terms set forth in the Transfer Notice.

                    The Company's Right of First Refusal shall inure to the
                    benefit of its successors and assigns and shall be binding
                    upon any transferee of the Shares.

RIGHT OF            Following termination of your Service for any reason, the
                    Company shall have the right to purchase all of those vested

                                      - 5 -

<PAGE>

                                                                       2000 PLAN

REPURCHASE          Shares that you have or will acquire under this Option
                    (unvested Shares which have been exercised are subject to a
                    Repurchase Option set forth in Exhibit A). If the Company
                    fails to provide you with written notice of its intention to
                    purchase such Shares before or within 30 days of the date
                    the Company receives written notice from you of your
                    termination of Service, the Company's right to purchase such
                    Shares shall terminate. If the Company exercises its right
                    to purchase such Shares, the Company will consummate the
                    purchase of such Shares within 60 days of the date of its
                    written notice to you. The purchase price for any Shares
                    repurchased shall be the higher of the fair market value of
                    the Shares on the date of purchase or the aggregate Exercise
                    Price for such Shares and shall be paid in cash. The
                    Company's right of repurchase shall terminate in the event
                    that Stock is listed on an established stock exchange or is
                    quoted regularly on the Nasdaq National Market. The fair
                    market value shall be determined by the Board of Directors
                    in its sole discretion.

TRANSFER OF         Prior to your death, only you may exercise this Option. You
OPTION              cannot transfer or assign this Option. For instance, you may
                    not sell this Option or use it as security for a loan. If
                    you attempt to do any of these things, this Option will
                    immediately become invalid. You may, however, dispose of
                    this Option in your will.

                    Regardless of any marital property settlement agreement, the
                    Company is not obligated to honor a Notice of Exercise from
                    your spouse or former spouse, nor is the Company obligated
                    to recognize such individual's interest in your Option in
                    any other way.

RETENTION RIGHTS    This Agreement does not give you the right to be retained by
                    the Company in any capacity. The Company reserves the right
                    to terminate your Service at any time and for any reason.

SHAREHOLDER         Neither you, nor your estate or heirs, have any rights as a
RIGHTS              shareholder of the Company until a certificate for the
                    Shares acquired upon exercise of this Option has been
                    issued. No adjustments are made for dividends or other
                    rights if the applicable record date occurs before your
                    stock certificate is issued, except as described in the
                    Plan.

ADJUSTMENTS         In the event of a stock split, a stock dividend or a similar
                    change in the Company Stock, the number of Shares covered by
                    this Option and the Exercise Price per share may be adjusted
                    pursuant to the Plan. Your Option shall be subject to the
                    terms of the

                                      - 6 -

<PAGE>

                                                                       2000 PLAN

                    agreement of merger, liquidation or reorganization in the
                    event the Company is subject to such corporate activity.

LEGENDS             All certificates representing the Shares issued upon
                    exercise of this Option shall, where applicable, have
                    endorsed thereon the following legends:

                         "THE SECURITIES REPRESENTED BY THIS CERTIFICATE ARE
                    SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFER AND OPTIONS TO
                    PURCHASE SUCH SHARES SET FORTH IN AN AGREEMENT BETWEEN THE
                    COMPANY AND THE REGISTERED HOLDER, OR SUCH HOLDER'S
                    PREDECESSOR IN INTEREST. SUCH AGREEMENT IMPOSES CERTAIN
                    TRANSFER RESTRICTIONS AND GRANTS CERTAIN REPURCHASE RIGHTS
                    TO THE COMPANY (OR ITS ASSIGNS) UPON THE SALE OF THE SHARES
                    OR UPON TERMINATION OF SERVICE WITH THE COMPANY. A COPY OF
                    SUCH AGREEMENT IS ON FILE AT THE PRINCIPAL OFFICE OF THE
                    COMPANY AND WILL BE FURNISHED UPON WRITTEN REQUEST TO THE
                    SECRETARY OF THE COMPANY BY THE HOLDER OF SHARES REPRESENTED
                    BY THIS CERTIFICATE.

                         THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT
                    BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, OR THE
                    SECURITIES LAWS OF ANY STATE, AND MAY BE OFFERED AND SOLD
                    ONLY IF REGISTERED AND QUALIFIED PURSUANT TO THE RELEVANT
                    PROVISIONS OF FEDERAL AND STATE SECURITIES LAWS OR IF THE
                    COMPANY IS PROVIDED AN OPINION OF COUNSEL, SATISFACTORY TO
                    THE COMPANY AND ITS COUNSEL, THAT REGISTRATION AND
                    QUALIFICATION UNDER FEDERAL AND STATE SECURITIES LAWS IS NOT
                    REQUIRED."

APPLICABLE LAW      This Agreement will be interpreted and enforced under the
                    laws of the State of California (without regard to their
                    choice of law provisions).

THE PLAN AND        The text of the Plan is incorporated in this Agreement by
OTHER AGREEMENTS    reference. Certain capitalized terms used in this Agreement
                    are defined in the Plan.

                                      - 7 -

<PAGE>

                                                                       2000 PLAN

                    This Agreement and the Plan constitute the entire
                    understanding between you and the Company regarding this
                    Option. Any prior agreements, commitments or negotiations
                    concerning this Option are superseded.

     By signing the cover sheet of this Agreement, you agree to all of the terms
     and conditions described above and in the Plan. You also acknowledge that
     you have read Section 11, "Purchaser's Investment Representations" of
     Attachment A and that you can and hereby do make the same representations
     with respect to the grant of this Option.

                                      - 8 -

<PAGE>

                                                                       2000 PLAN

                                                                       EXHIBIT A
                                                           (to be attached to an
                                                               option agreement,
                                                              either ISO or NSO)

                        Commercial Capital Bancorp, Inc.

             Notice of Exercise and Common Stock Purchase Agreement

     THIS AGREEMENT is dated as of ____________________________, ______, between
Commercial Capital Bancorp, Inc. (the "Company"), and___________________________
("Purchaser").

                              W I T N E S S E T H:

     WHEREAS, the Company and Purchaser are parties to that certain ____________
Incentive _______________ Nonstatutory Stock Option Agreement dated as of
______________________________, _______ (the "Option Agreement") pursuant to
which the Purchaser has the right to purchase up to ___________________________
shares of the Company's common stock (the "Option Shares"); and

     WHEREAS, the Option is exercisable with respect to certain of the Option
Shares as of the date hereof; and

     WHEREAS, pursuant to the Option Agreement, Purchaser desires to purchase
shares of the Company as herein described, on the terms and conditions set forth
in this Agreement, the Option Agreement and the Commercial Capital Bancorp, Inc.
2000 Stock Plan (the "Plan"). Certain capitalized terms used in this Agreement
are defined in the Plan.

     NOW, THEREFORE, it is agreed between the parties as follows:

SECTION 1.  PURCHASE OF SHARES.

     (a)  Pursuant to the terms of the Option Agreement, Purchaser hereby agrees
to purchase from the Company and the Company agrees to sell and issue to
Purchaser _______________ shares of the Company's common stock (the "Stock") for
the Exercise Price per share specified in the Option Agreement payable by
personal check, cashier's check or money order, if permitted by the Option
Agreement, as follows: ________________________________________________________.
Payment shall be delivered at the Closing, as such term is hereinafter defined.

     (b)  The closing hereunder (the "Closing") shall occur at the offices of
the Company on ________________, _______, or such other time and place as may be
designated by the Company (the "Closing Date").

                                      - 1 -

<PAGE>

                                                                       2000 PLAN

SECTION 2.  REPURCHASE OPTION

     All unvested shares of the Stock purchased by the Purchaser pursuant to
this Agreement (sometimes referred to as the "Repurchase Option Stock") shall be
subject to the following option (the "Repurchase Option"):

     (a)  In the event the Purchaser terminates service with the Company
("Service") for any reason, with or without cause, the Company may exercise the
Repurchase Option.

     (b)  Purchaser understands that the Stock is being sold in order to induce
Purchaser to become and/or remain associated with the Company and to work
diligently for the success of the Company and that the Repurchase Option Stock
will continue to vest in accordance with the schedules set forth in the Option
Agreement. Accordingly, the Company shall have the right at any time within 90
days after the termination of Service to purchase from the Purchaser all shares
of Stock purchased hereunder which have not vested in accordance with the terms
of such vesting schedule in the Option Agreement. The purchase price for such
unvested shares of Repurchase Option Stock shall be the Exercise Price per share
paid by Purchaser for such shares pursuant to the Option (the "Option Price").
The purchase price shall be paid by certified or cashier's check or by
cancellation of any indebtedness of Purchaser to the Company.

     (c)  Nothing in this Agreement shall be construed as a right by purchaser
to be employed by Company, or a parent or subsidiary of Company.

SECTION 3.  EXERCISE OF REPURCHASE OPTION

     The Repurchase Option shall be exercised by written notice signed by an
officer of the Company and delivered or mailed as provided in Section 16 of this
Agreement and to the Escrow Agent as provided in Section 16 of the Joint Escrow
Instructions attached as Exhibit B to the Option Agreement.

SECTION 4.  WAIVER, ASSIGNMENT, EXPIRATION OF REPURCHASE OPTION

     If the Company waives or fails to exercise the Repurchase Option as to all
of the shares subject thereto, the Company may, in the discretion of its Board
of Directors, assign the Repurchase Option to any other holder or holders of
preferred or common stock of the Company in such proportions as such Board of
Directors may determine. In the event of such an assignment, the assignee shall
pay to the Company in cash an amount equal to the fair market value of the
Repurchase Option. The Company shall promptly, upon expiration of the 90-day
period referred to in Section 2 above, notify Purchaser of the number of shares
subject to the Repurchase Option assigned to such stockholders and shall notify
both the Purchaser and the assignees of the time, place and date for settlement
of such purchase, which must be made within 90 days from the date of cessation
of continuous employment. In the event that the Company and/or such assignees do
not elect to exercise the Repurchase Option as to all or part of the shares
subject to it, the Repurchase Option shall expire as to all shares which the
Company and/or such assignees have not elected to purchase.

                                      - 2 -

<PAGE>

                                                                       2000 PLAN

SECTION 5.  ESCROW OF SHARES

     (a)  As security for Purchaser's faithful performance of the terms of this
Agreement and to ensure the availability for delivery of Purchaser's shares upon
exercise of the Repurchase Option herein provided for, Purchaser agrees at the
Closing hereunder, to deliver to and deposit with the Escrow Agent named in the
Joint Escrow Instructions attached to the Option Agreement as Exhibit B, the
certificate or certificates evidencing the Option Stock subject to the
Repurchase Option and two Assignments Separate from Certificate duly executed
(with date and number of shares in blank) in the form attached to the Option
Agreement as Exhibit D. Such documents are to be held by the Escrow Agent and
delivered by the Escrow Agent pursuant to the Joint Escrow Instructions, which
instructions shall also be delivered to the Escrow Agent at the Closing
hereunder.

     (b)  Within 30 days after the last day of each successive completed
calendar quarter after the Closing Date, if Purchaser so requests, the Escrow
Agent will deliver to Purchaser certificates representing so many shares of
Stock as are no longer subject to the Repurchase Option (less such shares as
have been previously delivered). Ninety days after cessation of Purchaser's
employment with the Company the Company will direct the Escrow Agent to deliver
to Purchaser a certificate or certificates representing the number of shares not
repurchased by the Company or its assignees pursuant to exercise of the
Repurchase Option (less such shares as have been previously delivered).

SECTION 6.  ADJUSTMENT OF SHARES

     Subject to the provisions of the Certificate of Incorporation of the
Company, if, from time to time during the term of the Repurchase Option:

     (a)  there is any stock dividend or liquidating dividend of cash and/or
property, stock split or other change in the character or amount of any of the
outstanding securities of the Company, or

     (b)  there is any consolidation, merger or sale of all or substantially
all, of the assets of the Company,

then, in such event, any and all new, substituted or additional securities or
other property to which Purchaser is entitled by reason of Purchaser's ownership
of the shares shall be immediately subject to such Repurchase Option with the
same force and effect as the shares of Option Stock from time to time subject to
the Repurchase Option. While the total Option Price shall remain the same after
each such event, the Option Price per share of Option Stock upon exercise of the
Repurchase Option shall be appropriately and equitably adjusted as determined by
the Board of Directors of the Company.

SECTION 7.  THE COMPANY'S RIGHT OF FIRST REFUSAL.

     Before any shares of Stock registered in the name of Purchaser and not
subject to the Repurchase Option may be sold or transferred, such shares shall
first be offered to the Company as set forth in the Option Agreement.

                                      - 3 -

<PAGE>
                                                                       2000 PLAN

SECTION 8.  PURCHASER'S RIGHTS AFTER EXERCISE OF REPURCHASE OPTION OR RIGHT OF
            FIRST REFUSAL.

     If the Company makes available, at the time and place and in the amount and
form provided in this Agreement, the consideration for the Stock to be
repurchased in accordance with the provisions of Sections 2 and 7 of this
Agreement, then from and after such time the person from whom such shares are to
be repurchased shall no longer have any rights as a holder of such shares (other
than the right to receive payment of such consideration in accordance with this
Agreement). Such shares shall be deemed to have been repurchased in accordance
with the applicable provisions hereof, whether or not the certificate(s)
therefor have been delivered as required by this Agreement.

SECTION 9.  TRANSFER BY PURCHASER TO CERTAIN TRUSTS.

     Purchaser shall have the right to transfer all or any portion of
Purchaser's interest in the shares issued under this Agreement which have been
delivered to Purchaser under the provisions of Section 5 of this Agreement, to a
trust established by Purchaser for the benefit of Purchaser, Purchaser's spouse
or Purchaser's children, without being subject to the provisions of Section 7
hereof, provided that the trustee on behalf of the trust shall agree in writing
to be bound by the terms and conditions of this Agreement. The transferee shall
execute a copy of Exhibit C attached to the Option Agreement and file the same
with the Secretary of the Company.

SECTION 10. LEGEND OF SHARES.

     All certificates representing the Stock purchased under this Agreement
shall, where applicable, have endorsed thereon the legends set forth in the
Option Agreement and any other legends required by applicable securities laws.

SECTION 11. PURCHASER'S INVESTMENT REPRESENTATIONS.

     (a)  This Agreement is made with Purchaser in reliance upon Purchaser's
representation to the Company, which by Purchaser's acceptance hereof Purchaser
confirms, that the Stock which Purchaser will receive will be acquired with
Purchaser's own funds for investment for an indefinite period for Purchaser's
own account, not as a nominee or agent, and not with a view to the sale or
distribution of any part thereof, and that Purchaser has no present intention of
selling, granting participation in, or otherwise distributing the same, but
subject, nevertheless, to any requirement of law that the disposition of
Purchaser's property shall at all times be within Purchaser's control. By
executing this Agreement, Purchaser further represents that Purchaser does not
have any contract, understanding or agreement with any person to sell, transfer,
or grant participation, to such person or to any third person, with respect to
any of the Stock.

     (b)  Purchaser understands that the Stock will not be registered or
qualified under federal or state securities laws on the ground that the sale
provided for in this Agreement is exempt from registration or qualification
under federal or state securities laws and that the

                                      - 4 -

<PAGE>

                                                                       2000 PLAN

Company's reliance on such exemption is predicated on Purchaser's
representations set forth herein.

     (c)  Purchaser agrees that in no event will Purchaser make a disposition of
any of the Stock (including a disposition under Section 9 of this Agreement),
unless and until (i) Purchaser shall have notified the Company of the proposed
disposition and shall have furnished the Company with a statement of the
circumstances surrounding the proposed disposition and (ii) Purchaser shall have
furnished the Company with an opinion of counsel satisfactory to the Company to
the effect that (A) such disposition will not require registration or
qualification of such Stock under federal or state securities laws or (B)
appropriate action necessary for compliance with the federal or state securities
laws has been taken or (iii) the Company shall have waived, expressly and in
writing, its rights under clauses (i) and (ii) of this section.

     (d)  With respect to a transaction occurring prior to such date as the Plan
and Stock thereunder are covered by a valid Form S-8 or similar federal
registration statement, this subsection shall apply unless the transaction is
covered by the exemption in California Corporations Code Section 25102(o) or a
similar broad based exemption. In connection with the investment representations
made herein, Purchaser represents that Purchaser is able to fend for himself or
herself in the transactions contemplated by this Agreement, has such knowledge
and experience in financial and business matters as to be capable of evaluating
the merits and risks of Purchaser's investment, has the ability to bear the
economic risks of Purchaser's investment and has been furnished with and has had
access to such information as would be made available in the form of a
registration statement together with such additional information as is necessary
to verify the accuracy of the information supplied and to have all questions
answered by the Company.

     (e)  Purchaser understands that if the Company does not register with the
Securities and Exchange Commission pursuant to Section 12 of the Securities
Exchange Act of 1934, as amended (the "Exchange Act") or if a registration
statement covering the Stock (or a filing pursuant to the exemption from
registration under Regulation A of the Securities Act of 1933) under the
Securities Act of 1933 is not in effect when Purchaser desires to sell the
Stock, Purchaser may be required to hold the Stock for an indeterminate period.
Purchaser also acknowledges that Purchaser understands that any sale of the
Stock which might be made by Purchaser in reliance upon Rule 144 under the
Securities Act of 1933 may be made only in limited amounts in accordance with
the terms and conditions of that Rule.

SECTION 12. ASSISTANCE TO PURCHASER UNDER RULE 144.

     The Company covenants and agrees that (a) at all times after it first
becomes subject to the reporting requirements of Section 13 or 15(d) of the
Exchange Act, it will use its best efforts to comply with the current public
information requirements of Rule 144(c)(l) under the Securities Act of 1933, and
that if prior to becoming subject to such reporting requirements an
over-the-counter market develops for the Stock, it will make publicly available
the information required by Rule 144(c)(2); (b) it will furnish Purchaser, upon
request, with all information required for the preparation and filing of Form
144; and (c) it will on a timely basis use its best efforts to file all reports
required to be filed and make all disclosures, including disclosures of

                                      - 5 -

<PAGE>

                                                                       2000 PLAN

materially adverse information, required to permit Purchaser to make the
required representations in Form 144.

SECTION 13. NO DUTY TO TRANSFER IN VIOLATION HEREUNDER.

     The Company shall not be required (a) to transfer on its books any shares
of Stock of the Company which shall have been sold or transferred in violation
of any of the provisions set forth in this Agreement or (b) to treat as owner of
such shares or to accord the right to vote as such owner or to pay dividends to
any transferee to whom such shares shall have been so transferred.

SECTION 14. RIGHTS OF PURCHASER.

     Except as otherwise provided herein, Purchaser shall, during the term of
this Agreement, exercise all rights and privileges of a stockholder of the
Company with respect to the Stock.

SECTION 15. OTHER NECESSARY ACTIONS.

     The parties agree to execute such further instruments and to take such
further action as may reasonably be necessary to carry out the intent of this
Agreement.

SECTION 16. NOTICE.

     Any notice required or permitted hereunder shall be given in writing and
shall be deemed effectively given upon the earliest of personal delivery,
receipt or the third full day following deposit in the United States Post Office
with postage and fees prepaid, addressed to the other party hereto at the
address last known or at such other address as such party may designate by 10
days' advance written notice to the other party hereto.

SECTION 17. SUCCESSORS AND ASSIGNS.

     This Agreement shall inure to the benefit of the successors and assigns of
the Company and, subject to the restrictions on transfer herein set forth, be
binding upon Purchaser and Purchaser's heirs, executors, administrators,
successors and assigns. The failure of the Company in any instance to exercise
the Repurchase Option or rights of first offer described herein shall not
constitute a waiver of any other Repurchase Option or right of first offer that
may subsequently arise under the provisions of this Agreement. No waiver of any
breach or condition of this Agreement shall be deemed to be a waiver of any
other or subsequent breach or condition, whether of a like or different nature.

SECTION 18. APPLICABLE LAW.

     This Agreement shall be governed by, and construed in accordance with, the
laws of the State of California, as such laws are applied to contracts entered
into and performed in such state.

                                      - 6 -

<PAGE>

                                                                       2000 PLAN

SECTION 19. NO FEDERAL QUALIFICATION.

     THE SALE OF THE SECURITIES WHICH ARE THE SUBJECT OF THIS AGREEMENT HAS NOT
BEEN QUALIFIED WITH THE SECURITIES AND EXCHANGE COMMISSION AND THE ISSUANCE OF
SUCH SECURITIES OR THE PAYMENT OR RECEIPT OF ANY PART OF THE CONSIDERATION
THEREFOR PRIOR TO SUCH QUALIFICATION IS UNLAWFUL, UNLESS THE SALE OF SECURITIES
IS EXEMPT FROM THE QUALIFICATION BY SEC RULE 701. THE RIGHTS OF ALL PARTIES TO
THIS AGREEMENT ARE EXPRESSLY CONDITIONED UPON SUCH QUALIFICATION BEING OBTAINED,
UNLESS THE SALE IS SO EXEMPT.

SECTION 20. STATE QUALIFICATION.

     THE SALE OF THE SECURITIES WHICH ARE THE SUBJECT OF THIS AGREEMENT HAS NOT
BEEN QUALIFIED WITH THE COMMISSIONER OF CORPORATIONS OF THE STATE OF CALIFORNIA
AND THE ISSUANCE OF SUCH SECURITIES OR THE PAYMENT OR RECEIPT OF ANY PART OF THE
CONSIDERATION THEREFOR PRIOR TO SUCH QUALIFICATION IS UNLAWFUL, UNLESS THE SALE
OF SECURITIES IS EXEMPT FROM THE QUALIFICATION BY SECTION 25100, 25102 OR 25105
OF THE CALIFORNIA CORPORATIONS CODE. THE RIGHTS OF ALL PARTIES TO THIS AGREEMENT
ARE EXPRESSLY CONDITIONED UPON SUCH QUALIFICATION BEING OBTAINED, UNLESS THE
SALE IS SO EXEMPT.

SECTION 21. NO ORAL MODIFICATION.

     No modification of this Agreement shall be valid unless made in writing and
signed by the parties hereto.

SECTION 22. ENTIRE AGREEMENT.

     This Agreement and the Option Agreement constitute the entire complete and
final agreement between the parties hereto with regard to the subject matter
hereof.

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

Commercial Capital Bancorp, Inc.            PURCHASER

By
  ---------------------------------         ------------------------------------

                                      - 7 -

<PAGE>
                                                                       2000 PLAN

                                   EXHIBIT B

                            Joint Escrow Instructions
                             ____________, _________

Secretary
Commercial Capital Bancorp, Inc.

Dear Sir or Madam:

     As Escrow Agent for both Commercial Capital Bancorp, Inc. (the "Company"),
and ____________________________ ("Purchaser"), you are hereby authorized and
directed to hold the documents delivered to you pursuant to the terms of that
certain Common Stock Purchase Agreement (the "Agreement") of even date herewith,
to which a copy of these Joint Escrow Instructions is attached as Exhibit B to a
certain Stock Option dated _______________________ ("Option Agreement"), in
accordance with the following instructions:

     1.   In the event the Company shall elect to exercise the Repurchase Option
set forth in the Agreement, the Company shall give to Purchaser and you a
written notice as provided in the Agreement. Purchaser and the Company hereby
irrevocably authorize and direct you to close the transaction contemplated by
such notice, including prompt delivery of stock certificates.

     2.   At the closing, you are directed (a) to date the stock assignment form
or forms necessary for the transfer in question, (b) to fill in the number of
shares being transferred, and (c) to deliver same, together with the certificate
or certificates evidencing the shares to be transferred, to the Company against
the simultaneous delivery to you of the purchase price (by certified or bank
cashier's check) for the number of shares being purchased pursuant to the
exercise of the Repurchase Option.

     3.   Purchaser irrevocably authorizes the Company to deposit with you any
certificates evidencing shares to be held by you hereunder and any additions and
substitutions to said shares as defined in the Agreement. Purchaser does hereby
irrevocably constitute and appoint you as Purchaser's attorney-in-fact and agent
for the term of this escrow to execute with respect to such securities all
documents necessary or appropriate to make such securities negotiable and to
complete any transaction herein contemplated. Subject to the provisions of this
Section 3, Purchaser shall exercise all rights and privileges, including but not
limited to, the right to vote and to receive dividends (if any), of a
stockholder of the Company while the shares are held by you.

     4.   In accordance with the terms of Section 5 of the Agreement, you may
from time to time deliver to Purchaser a certificate or certificates
representing so many shares as are no longer subject to the Repurchase Option.

     5.   This escrow shall terminate upon the release of all shares held under
the terms and provisions hereof.

                                      - 1 -

<PAGE>

                                                                       2000 PLAN

     6.   If at the time of termination of this escrow you should have in your
possession any documents, securities or other property belonging to Purchaser,
you shall deliver all of same to Purchaser and shall be discharged from all
further obligations hereunder.

     7.   Your duties hereunder may be altered, amended, modified or revoked
only by a writing signed by all of the parties hereto.

     8.   You shall be obligated only for the performance of such duties as are
specifically set forth herein and may rely and shall be protected in relying or
refraining from acting on any instrument reasonably believed by you to be
genuine and to have been signed or presented by the proper party or parties. You
shall not be personally liable for any act you may do or omit to do hereunder as
Escrow Agent or as attorney-in-fact of Purchaser while acting in good faith and
in the exercise of your own good judgment, and any act done or omitted by you
pursuant to the advice of your own attorneys shall be conclusive evidence of
such good faith.

     9.   You are hereby expressly authorized to disregard any and all warnings
given by any of the parties hereto or by any other person or corporation,
excepting only orders or process of courts of law, and are hereby expressly
authorized to comply with and obey orders, judgments or decrees of any court. In
case you obey or comply with any such order, judgment or decree of any court,
you shall not be liable to any of the parties hereto or to any other person,
firm or corporation by reason of such compliance, notwithstanding any such
order, judgment or decree being subsequently reversed, modified, annulled, set
aside, vacated or found to have been entered without jurisdiction.

     10.  You shall not be liable in any respect on account of the identity,
authority or rights of the parties executing or delivering or purporting to
execute or deliver the Agreement or any documents or papers deposited or called
for hereunder.

     11.  You shall not be liable for the outlawing of any rights under any
statute of limitations with respect to these Joint Escrow Instructions or any
documents deposited with you.

     12.  You shall be entitled to employ such legal counsel and other experts
as you may deem necessary properly to advise you in connection with your
obligations hereunder and may rely upon the advice of such counsel.

     13.  Your responsibilities as Escrow Agent hereunder shall terminate if you
shall cease to be Secretary of the Company or if you shall resign by written
notice of each party. In the event of any such termination, the Company shall
appoint any officer of the Company as successor Escrow Agent.

     14.  If you reasonably require other or further instruments in connection
with these Joint Escrow Instructions or obligations in respect hereto, the
necessary parties hereto shall join in furnishing such instruments.

     15.  It is understood and agreed that should any dispute arise with respect
to the delivery and/or ownership or right of possession of the securities held
by you hereunder, you are authorized and directed to retain in your possession
without liability to anyone all or any part of

                                      - 2 -

<PAGE>

                                                                       2000 PLAN

said securities until such dispute shall have been settled either by mutual
written agreement of the parties concerned or by a final order, decree or
judgment of a court of competent jurisdiction after the time for appeal has
expired and no appeal has been perfected, but you shall be under no duty
whatsoever to institute or defend any such proceedings.

     16.  Any notice required or permitted hereunder shall be given in writing
and shall be deemed effectively given upon personal delivery or upon deposit in
the United States Post Office, by registered or certified mail with postage and
fees prepaid, addressed to each of the other parties thereunto entitled.

     17.  By signing these Joint Escrow Instructions, you become a party hereto
only for the purpose of said Joint Escrow Instructions; you do not become a
party to the Agreement.

     18.  This instrument shall be governed by and construed in accordance with
the laws of the State of California.

     19.  This instrument shall be binding upon and inure to the benefit of the
parties hereto and their respective successors and permitted assigns.

                                         Very truly yours,

                                         Commercial Capital Bancorp, Inc.

                                         By
                                            ------------------------------------

ESCROW AGENT:                               PURCHASER:

-------------------------------------       ------------------------------------

                                      - 3 -

<PAGE>

                                    EXHIBIT C

                   Acknowledgment of and Agreement to be Bound

                    By the Common Stock Purchase Agreement of

                        Commercial Capital Bancorp, Inc.

     The undersigned, as transferee of shares of Commercial Capital Bancorp,
Inc., hereby acknowledges that he or she has read and reviewed the terms of the
Common Stock Purchase Agreement of Commercial Capital Bancorp, Inc. and hereby
agrees to be bound by the terms and conditions thereof, as if the undersigned
had executed said Agreement as an original party thereto.

     Dated: ______________, _______.

                                         By
                                            ------------------------------------

                                      - 1 -

<PAGE>

                                    EXHIBIT D

                      ASSIGNMENT SEPARATE FROM CERTIFICATE

     FOR VALUE RECEIVED _________________________________________________ hereby
sells, assigns and transfers unto _______________________________ (____________)
shares of the Common Stock of Commercial Capital Bancorp, Inc. (the "Company"),
standing in ________________name on the books of the Company represented by
Certificate No.________________________________ herewith and hereby irrevocably
constitutes and appoints ___________________________Attorney to transfer said
stock on the books of the Company with full power of substitution in the
premises.

     Dated: ________________, ______

                                      - 1 -<PAGE>

                                                                    Exhibit 10.3

                              EMPLOYMENT AGREEMENT

               THIS EMPLOYMENT AGREEMENT ("Agreement") is entered into as of
September 13, 2001, by and between Commercial Capital Bancorp (the "Holding
Company"), a corporation organized under the laws of the State of Nevada, with
its headquarters office located in the City of Irvine, Orange County,
California, and STEPHEN H. GORDON, a California resident (the "Employee").

          A.   The Holding Company has organized a subsidiary federal savings
bank (the "Bank").

          B.   Per the letter dated September 10, 2001, the Office of Thrift
Supervision ("OTS") has no objection to Holding Company entering into this
Agreement, and therefore, Employee will serve as the Chairman and Chief
Executive Officer of the Holding Company.

          On the basis of the foregoing facts and in consideration of the mutual
covenants and agreements contained herein, the parties agree as follows:

          1.   Term.

               (a)   Subject to the provisions below, the Holding Company agrees
to employ Employee, and Employee agrees to be employed by the Holding Company,
subject to the terms and conditions of this Agreement, for a term of three (3)
years ("the Term") commencing on the date of this Agreement (the "anniversary
date") unless employment is earlier terminated pursuant to the termination
provisions of this Agreement ("the Employment Period").

               (b)   Subject to the notice provisions set forth in this
paragraph, the term of this Agreement may be renewed or extended for one (1)
additional year after review and approval by the Board of Directors on the
anniversary date of this Agreement during each calendar year. The term shall not
be extended if either party gives written notice to the other, on or before the
date which is 90 days prior to the anniversary date that the Agreement shall not
be renewed on the next anniversary date. In the event either party gives the
other written notice as provided in this paragraph, the term of this Agreement
shall thereafter terminate on the next following anniversary date.

          2.   Duties and Authority.

               (a)   During the Employment Period, Employee shall devote all his
productive time, ability and attention to the business and affairs of the
Holding Company and its subsidiaries, notwithstanding that, Employee shall not
directly render service of a business, commercial or professional nature to any
other person or organization other than the Holding Company and its subsidiaries
without the consent of the Board of Directors of the Holding Company (the "Board
of Directors"). However, nothing in this paragraph prohibits Employee from, or
requires the Board of Directors to approve or consent to Employee serving as an
advisor or Board member of a charitable or nonprofit organization or serving as
an advisor or director of

                                       1

<PAGE>

any corporation which does not compete with the business of the Holding Company,
so long as such service does not materially interfere with the performance of
employment duties. Employee agrees that during the Employment Period he will use
his best efforts, skill and abilities to promote the Holding Company's interests
and to serve as the Chairman and Chief Executive Officer of the Holding Company.
Employee shall perform such customary, appropriate and reasonable executive
duties as are normally assigned to the Chairman and Chief Executive Officer at
other thrift holding companies, including such duties as are delegated to him
from time to time by the Board of Directors. Employee shall report directly to
the Holding Company's Board of Directors. The Holding Company shall also cause
Employee to be nominated, and management proxies will be voted to elect Employee
as a director of both the Bank and the Holding Company during the entire
Employment Period.

          3.   Holding Company's Authority.

               Employee agrees to observe and comply with the Holding Company's
rules and regulations as adopted by the Board of Directors regarding performance
of his duties and to carry out and to perform orders, directions and policies
stated by the Board of Directors to him periodically, either orally or in
writing.

          4.   Compensation.

               (a)   The Holding Company directly, or through one or more of its
subsidiaries, agrees to pay to Employee during each year of this Agreement an
annual base salary of $450,000, beginning on the effective date of this
Agreement and payable in accordance with the Holding Company's standard payment
policy and subject to such withholding as required by law or policy on the
fifteenth and last day of each month during the term of this Agreement. The base
salary shall be reviewed annually by the Board of Directors, on or before
January 31 of each year for that year, and may be changed by mutual agreement of
the parties.

               (b)   In addition to all other compensation referred to above,
the Holding Company may pay Employee a bonus or bonuses and may grant to
Employee stock options, in either case in such amount as and in such a manner as
the Board of Directors, in its discretion, determines is appropriate. Such
compensation shall be based upon guidelines established by, and reviewed by, the
Board of Directors that takes into consideration all measures of the Holding
Company's performance.

               (c)   The Holding Company or its subsidiaries shall provide a car
allowance of $1,000 per month during the Employment Period.

               (d)   During the Employment Period, Employee shall be eligible to
participate in any retirement, pension or profit-sharing plan, or similar
employee benefit plan or retirement or bonus program of the Holding Company and
its subsidiaries, to the extent that he is eligible under the provisions of the
plan and commensurate with his position in relationship to other participants
and pursuant to the terms of the plans or programs of the Holding Company and
its subsidiaries.

               (e)   Employee shall accrue vacation and sick time ("paid time
off" or "PTO") at the rate of 7.67 hours per semi-monthly pay period (for a
total of 184.00 hours or 23

                                       2

<PAGE>

days per year). Notwithstanding any terms of the Holding Company's personnel
policy to the contrary, any unused PTO shall carry forward to the next year.
Once Employee has accrued, or is deemed to have accrued, 276 hours of PTO
(approximately 34.5 days per year) ("the cap"), he shall cease to accrue further
PTO until such time as accrued PTO falls below the cap.

               (f)   The Holding Company agrees to provide medical, dental and
other insurance, including key man life and disability, for Employee on the same
terms as provided for all executive officers of the Holding Company and its
subsidiaries.

          5.   Reimbursement of Expenses.

               The services required by the Holding Company and its subsidiaries
will require Employee to incur business, entertainment and community relations'
expenses and the Holding Company or its subsidiaries hereby agrees to provide
credit cards and charge accounts for Employee's use for such expenses. The
Holding Company or its subsidiaries agrees to reimburse Employee for all
out-of-pocket expenses that are business related, upon submission of appropriate
documentation and approval by the Board of Directors or a committee of it
appointed for such purpose. Such expenses shall include membership fees and dues
to organizations approved by the Board. The Board or a committee thereof shall
review such expenses at least monthly so that reimbursement of appropriate
expenses is not unreasonably delayed. Each expense, to be reimbursed, must be of
a nature qualifying it as a proper deduction on the income tax returns of the
Holding Company as a business expense and not as deductible compensation to
Employee. The records and other documentary evidence submitted by Employee to
the Holding Company or its subsidiaries with each request for reimbursement of
such expenses shall be in the form required by applicable statutes and
regulations issued by appropriate taxing authorities for the substantiation of
such expenditures as deductible business expenses of the Holding Company and not
as deductible compensation to Employee.

          6.   Confidential Information.

               Employee agrees that he shall not, without the prior written
permission of the Holding Company in each case, publish, disclose or make
available to any other person, firm or corporation, either during or after the
termination of this Agreement, any confidential information which Employee may
obtain during the Employment Period, or which Employee may create prior to the
end of the Employment Period relating to the business of the Holding Company and
its subsidiaries, or to the business of any customer or supplier of any of them;
provided, however, Employee may use such information during the Employment
Period for the benefit of the Holding Company and its subsidiaries. Employee
agrees to execute any and all such additional agreements and instruments that
the Holding Company may deem reasonably necessary in order to protect the
confidentiality of such confidential information or otherwise to effectuate the
purpose and intent of this Section 6. Prior to or at the termination of this
Agreement, Employee shall return all documents, files, notes, writings and other
tangible evidence of such confidential information to the Holding Company and
its subsidiaries. This Section 6 shall survive the expiration or termination of
this Agreement. Notwithstanding the above, the OTS and other federal agencies
will be exempt from any prohibition regarding disclosure of confidential
information.

                                       3

<PAGE>

          7.   Covenant Not to Solicit Customers or Fellow Employees.

               Employee agrees that for a period of eighteen (18) months
following the termination of employment with the Holding Company, he will not
solicit, directly or indirectly divert or attempt to divert for himself or for
any third party, the business of any customer with whom the Holding Company and
its subsidiaries had done business during the preceding one year period.
Employee recognizes and acknowledges that any customer list and financial
information concerning any of the Holding Company's customers, as it may exist
from time to time, is a valuable, special and unique asset of the Holding
Company's business. Employee further agrees not to solicit, directly or
indirectly divert or attempt to divert for himself or for any third party, the
services of any officer or employee of the Holding Company and its subsidiaries
during such 18-month period. Employee agrees to execute any and all such
additional agreements and instruments that the Holding Company may deem
reasonably necessary in order to effectuate the purpose and intent of this
Section 7. This Section 7 shall survive the expiration or termination of this
Agreement.

          8.   Remedy.

               Employee understands that, because of the unique character of the
services to be rendered by Employee hereunder, the Holding Company would not
have any adequate remedy at law for the breach or threatened breach by Employee
of any one or more of the covenants set forth in this Agreement and therefore
expressly agrees that the Holding Company in addition to any other rights or
remedies which may be available to it, shall be entitled to injunctive and other
equitable relief to prevent or remedy a breach of this Agreement by Employee:

          9.   Termination of Employee Without Cause.

               (a)   Upon the occurrence of an Event of Termination (as herein
defined) during Employee's term of employment under this Agreement, the
provisions of this Section shall apply.

               (b)   As used in this Agreement, an "Event of Termination" shall
mean and include any one or more of the following: (i) the termination by the
Holding Company of Employee's full-time employment hereunder for any reason
other than a termination governed by Section 12 below, or Termination for Cause,
as defined in Section 10(b) below; (ii) Employee's termination with good reason
from the Holding Company's employ in accordance with Section 9 (c) below upon
any (A) failure to elect or reelect or to appoint or reappoint Employee as Chief
Executive Officer, unless consented to by the Employee, (B) a material change in
Employee's function, duties, or responsibilities with the Holding Company or its
subsidiaries, which change would cause Employee's position to become one of
substantially lesser responsibility, importance, or scope from the position and
attributes thereof described in Section 2 above, unless consented to by
Employee, (C) a relocation of Employee's principal place of employment by more
than 30 driving miles from its location at the effective date of this Agreement,
unless consented to by the Employee, (D) a material reduction in the benefits
and perquisites to Employee from those being provided as of the effective date
of this Agreement,

                                       4

<PAGE>

unless consented to by Employee, (E) a liquidation or dissolution of the Holding
Company or its subsidiaries, or (F) breach of this Agreement by the Holding
Company.

Notwithstanding the above, the event of a conservatorship or receivership is
specifically excluded from an Event of Termination.

               (c)   Upon the occurrence of any event of a type described in
clauses (ii)(A), (B), (C), (D), (E) or (F), of Section 9(b), Employee shall have
the right to terminate with good reason his employment under this Agreement by
delivering written notice to the Holding Company not less than sixty (60) days
following the occurrence of such event, which termination with good reason shall
be effective only if such event shall not be cured within thirty (30) days after
Holding Company's receipt of such notice. The date of any Event of Termination
shall be referred to herein as the "Date of Termination".

               (d)   Upon the occurrence of an Event of Termination by the
Holding Company, the Holding Company shall pay to Employee an amount equal to
his base salary for the remaining portion of the Term (such payment, the
Severance Payment), as severance pay in lieu of and in substitution for any
other claims for salary and continued benefits hereunder (based on Employee's
base salary and benefits prevailing at the time of termination). At the election
of the Employee, the Severance Payment shall be made to Employee: (a) in a lump
sum on the Date of Termination, or (b) on a semi-monthly basis in approximately
equal installments over a period of thirty-six (36) months following the Date of
Termination, or (c) on an annual basis in approximately equal installments over
a period of thirty-six (36) months following the Date of Termination. Payment of
the Severance Payment shall be in addition to all other sums owed to Employee
under applicable law for all periods prior to the Date of Termination,
including, without limitation, sums owed in respect of accrued PTO accrued
bonus, if any, and reimbursable expenses. Notwithstanding anything in this
Agreement to the contrary no bonus shall be deemed to have been accrued unless
and until any such bonus has been duly authorized by the Holding Company's Board
of Directors or a duly authorized committee thereof. Accrued bonuses shall mean
the bonus amount determined in accordance with Section 4(b).

               (e)   With respect to any stock options issued to the Employee
that were outstanding on the Date of Termination, any options which were not
fully vested and exercisable on the Date of Termination shall automatically
become exercisable upon the Date of Termination, and shall remain exercisable in
full for a period of ninety (90) days following the Communication Date.

               (f)   Upon the occurrence of an Event of Termination, the Holding
Company will cause to be continued for the Employee and his previously covered
dependents life, medical, dental and disability coverage that the Employee
agrees is substantially equivalent to the coverage maintained by the Holding
Company or its subsidiaries for Employee and his dependents prior to the Date of
Termination at no cost to the Employee, except to the extent such coverage may
be changed in its application to all employees of the Holding Company and its
subsidiaries. Such coverage shall cease upon the expiration of the remaining
term of this Agreement.

                                       5

<PAGE>

          10.  Termination of Employee for Cause.

               (a)   The Holding Company's board of directors may terminate the
Employee's employment at any time, but any termination by the Holding Company's
board of directors other than termination for cause, shall not prejudice the
Employee's right to compensation or other benefits under the contract. The
Employee shall have no right to receive compensation or other benefits for any
period after termination for cause. Termination for cause shall include
termination because of the Employee's personal dishonesty, incompetence, willful
misconduct, breach of fiduciary duty involving personal profit, intentional
failure to perform stated duties, willful violation of any law, rule, or
regulation (other than traffic violations or similar offenses) or final
cease-and-desist order, or material breach of any provision of the contract.

               (b)   If Employee is suspended and/or temporarily prohibited from
participating in the conduct of the Holding Company's affairs by a notice served
under section 8 (e) (3) or (g) (1) of the Federal Deposit Insurance Act (12
U.S.C. 1818 (e) (3) and (g) (1)) the Holding Company's obligations under this
Agreement shall be suspended as of the date of service unless stayed by
appropriate proceedings. If the charges in the notice are dismissed, the Holding
Company may in its discretion (i) pay Employee all or part of the compensation
withheld while its contract obligations were suspended, and (ii) reinstate (in
whole or in part) any of its obligations which were suspended.

               (c)   If Employee is removed and/or permanently prohibited from
participating in the conduct of the Holding Company's affairs by an order issued
under section 8 (e) (4) or (g) (1) of the Federal Deposit Insurance Act (12
U.S.C. 1818 (e) (4) or (g) (1)), all obligations of the Holding Company under
this Agreement shall terminate as of the effective date of the order, but vested
rights of the contracting parties shall not be affected.

               (d)   If the Holding Company is in default (as defined in section
3 (x) (1) of the Federal Deposit Insurance Act), all obligations under this
Agreement shall terminate as of the date of default but this paragraph (g) shall
not affect any vested rights of the contracting parties.

               (e)   All obligations under this Agreement shall be terminated,
except to the extent determined that continuation of the contract is necessary
of the continued operation of the Holding Company:

                     (i)   By the director of the OTS (the "Director") or his or
her designee, at the time the Federal Deposit Insurance Corporation or
Resolution Trust Corporation enters into an agreement to provide assistance to
or on behalf of the Holding Company under the authority contained in 13 (C) of
the Federal Deposit Insurance Act; or

                     (ii)  By the Director or his or her designee, at the time
the Director or his or her designee approves a supervisory merger to resolve
problems related to operation of the Holding Company or when the Holding Company
is determined by the Director to be in an unsafe or unsound condition.

                     Any rights of the parties that have already vested,
however, shall not be affected by such action.

                                       6

<PAGE>

          11.  Termination Upon Employee's Death; Effect of Termination on Other
Plans.

               Notwithstanding anything herein contained, if Employee shall die,
this Agreement shall terminate one (1) year from the date of Employee's death,
whereupon Employee's estate shall be entitled to receive his salary, accrued
PTO, and any bonus earned up through the date of termination. Such termination
shall not affect any rights which Employee may have at the time of his death
pursuant to any of the Holding Company or its subsidiaries plans or arrangements
for insurance, PTO or stock options, or for any other death benefit, bonus, or
retirement benefit, which accrued rights thereafter shall be enjoyed by
Employee's estate and continue to be governed by the provision of such plans and
arrangements to the extent they are not inconsistent with the terms of this
Agreement.

          12.  Change in Control.

               (a)   For purposes of this Agreement, a "Change in Control" of
the Holding Company or its subsidiaries shall mean an event of a nature that:
(i) would be required to be reported in response to Item 1(a) of the current
report on Form 8-K, as in effect on the date hereof, pursuant to Section 13 or
15(d) of the Securities Exchange Act of 1934, as amended (the "Exchange Act");
or (ii) results in a Change in Control of the Holding Company or its
subsidiaries within the meaning of the Home Owners' Loan Act of 1933, as
amended, the Federal Deposit Insurance Act and the Rules and Regulations
promulgated by the OTS (or its predecessor agency), as in effect on the date
hereof (provided, that in applying the definition of change in control as set
forth under the rules and regulations of the OTS, the Board of Directors shall
substitute its judgment for that of the OTS); or (iii) without limitation such a
Change in Control shall be deemed to have occurred at such time as (A) any
"person" (as the term is used in Sections 13(d) and 14(d) of the Exchange Act)
is or becomes the "beneficial owner" (as defined in Rule 13d-3 under the
Exchange Act), directly or indirectly, of voting securities of the Holding
Company or its subsidiaries representing 20% or more of the Holding Company or
its subsidiaries outstanding voting securities or right to acquire such
securities except for any voting securities of the Bank purchased by the Holding
Company and any voting securities purchased by any employee benefit plan of the
Bank or the Holding Company, or (B) individuals who constitute the Board of
Directors on the date hereof (the "Incumbent Board") cease for any reason to
constitute at least a majority thereof, provided that any person becoming a
director subsequent to the date hereof whose election was approved by a vote of
at least three-quarters of the directors comprising the Incumbent Board, or
whose nomination for election by the Holding Company's stockholders was approved
by a Nominating Committee solely comprised of members who are Incumbent Board
members, shall be, for purposes of this clause (B), considered as though he were
a member of the Incumbent Board, (C) a plan of reorganization, merger,
consolidation, sale of all or substantially all the assets of the Holding
Company or its subsidiaries or similar transaction occurs or is effectuated in
which the Holding Company or its subsidiaries is not the resulting entity;
provided, however, that such an event listed above will be deemed to have
occurred or to have been effectuated upon the receipt of all required federal
regulatory approvals not including the lapse of any statutory waiting periods,
or (D) a proxy statement shall be distributed soliciting proxies from
stockholders of the Holding Company, by someone other than the current
management of the Holding Company, seeking stockholder

                                       7

<PAGE>

approval of a plan of reorganization, merger or consolidation of the Holding
Company or its subsidiaries with one or more corporations as a result of which
the outstanding shares of the class of securities then subject to such plan or
transaction are exchanged for or converted into cash or property or securities
not issued by the Holding Company or its subsidiaries shall be distributed; or
(E) a tender offer is made and accepted for 20% or more of the voting securities
of the Holding Company or its subsidiaries then outstanding.

The change in composition of the Board of Directors occasioned by a
conservatorship or receivership, or by directive of the OTS (or its successor),
should not be construed as a Change in Control for the purposes of triggering
the obligations to render compensation under this Agreement.

               (b)   If a Change in Control has occurred pursuant to Section
12(a) above or the Board Directors has determined that a Change in Control has
occurred, Employee shall be entitled to the benefits provided in paragraphs (c),
and (d) of this Section 12 upon his subsequent termination of employment at any
time during the term of this Agreement due to: (1) Employee's dismissal or (2)
Employee's voluntary resignation unless such termination is because of his death
or Termination for Cause.

               (c)   Upon Employee's entitlement to benefits pursuant to Section
12(b), the Holding Company shall pay Employee, or in the event of his subsequent
death, his beneficiary or beneficiaries, or his estate, as the case may be, as
severance pay or liquidated damages, or both a sum equal to the greater of: (1)
the payments due for the remaining term of the Agreement; or (2) three (3) times
Employee's highest annual compensation for the last five (5) years (such
payment, the Severance Payment). Such annual compensation shall include Base
Salary, commissions, bonuses, contributions or accruals on behalf of Employee to
any pension and profit sharing plans, any benefits to be paid or received under
any stock-based benefit plan, severance payments, directors or committee fees
and value of fringe benefits paid or to be paid to the Employee during such
years. At the election of the Employee, the Severance Payment shall be made to
Employee: (a) in a lump sum on the Date of Termination, or, (b) on a
semi-monthly basis in approximately equal installments over a period of
thirty-six (36) months following the, Date of Termination or (c) on an annual
basis in approximately equal installments over a period of thirty-six (36)
months following the Date of Termination. Payment of the Severance Payment shall
be in addition to all other sums owed to Employee under applicable law for all
periods prior to the Date of Termination, including, without limitation, sums
owed in respect of accrued PTO, accrued bonus, if any, and reimbursable
expenses. Notwithstanding anything in this Agreement to the contrary no bonus
shall be deemed to have been accrued unless and until any such bonus has been
duly authorized by the Holding Company's Board of Directors or a duly authorized
committee thereof. Such payments shall not be reduced in the event Employee
obtains other employment following termination of employment.

               (d)   Upon the Employee's entitlement to benefits pursuant to
Section 12(b), the Holding Company will cause to be continued for the Employee
and his previously covered dependents life, medical, dental and disability
coverage that the Employee agrees is substantially equivalent to the coverage
maintained by the Holding Company for Employee and his dependents prior to his
termination at no cost to the Employee. Such coverage and payments shall cease
upon the expiration of thirty-six (36) months following the Date of Termination.

                                       8

<PAGE>

          13.  Parachute Payment Provision.

     In each calendar year that the Employee is entitled to receive payments or
benefits under the provisions of the Employment Agreement, the Holding Company
shall determine if an excess parachute payment (as defined in Section 4999 of
the Internal Revenue Code of 1986, as amended, and any successor provision
thereto, (the "Code")) exists. Such determination shall be made after taking any
reductions permitted pursuant to Section 280G of the Code and the regulations
thereunder. Any amount determined to be an excess parachute payment after taking
into account such reductions shall be hereafter referred to as the "Initial
Excess Parachute Payment". As soon as practicable after a Change in Control, the
Initial Excess Parachute Payment shall be determined. Upon the Date of
Termination following a Change in Control, the Holding Company shall pay the
Employee, subject to applicable withholding requirements under applicable state
or federal law, an amount equal to:

               (a)   twenty (20) percent of the Initial Excess Parachute Payment
(or such other amount equal to the tax imposed under Section 4999 of the Code);
and

               (b)   such additional amount (tax allowance) as may be necessary
to compensate the Employee for the payment by the Employee of state and local
and federal income and excise taxes on the payment provided under Clause (a) and
on any payments under this Clause (b). In computing such tax allowance, the
payment to be made under Clause (a) shall be multiplied by the "gross up
percentage"("GUP"). The GUP shall be determined as follows:

               GUP =        Tax Rate
                       ---------------------------
                             1-Tax Rate

     The "Tax Rate" for purposes of computing the GUP shall be the sum of the
highest marginal federal and state and local income and employment-related tax
rates, including any applicable excise tax rates, applicable to the Employee in
the year in which the payment under Clause (a) is made.

               (c)   Notwithstanding the foregoing, if it shall subsequently be
determined in a final judicial determination or a final administrative
settlement to which the Employee is a party that the excess parachute payment as
defined in Section 4999 of the Code, reduced as described above, is more than
the Initial Excess Parachute Payment (such different amount being hereafter
referred to as the "Determinative Excess Parachute Payment") then the Holding
Company's independent accountants shall determine the amount (the "Adjustment
Amount") the Holding Company must pay to the Employee in order to put the
Employee in the same position as the Employee would have been if the Initial
Excess Parachute Payment had been equal to the Determinative Excess Parachute
Payment. In determining the Adjustment Amount, independent accountants of the
Holding Company shall take into account any and all taxes (including any
penalties and interest) paid by or for the Employee or refunded to the Employee
or for the Employee's benefit. As soon as practicable after the Adjustment
Amount has been so determined,

                                       9

<PAGE>

the Holding Company shall pay the Adjustment Amount to the Employee. In no event
however, shall the Employee make any payment under this paragraph to the Holding
Company.

               (d)   Resolution Procedure. For purposes of the foregoing, in the
event there is any disagreement between Employee and the Holding Company as to
whether one or more payments to which Employee becomes entitled under this
Agreement constitute parachute payments under Code Section 280G or as to the
determination of the Initial Excess Parachute Payment or the Determinative
Excess Parachute Payment, such dispute will be resolved as follows:

                     (i)   In the event temporary, proposed or final Treasury
      Regulations in effect at the time under Code Section 280G (or applicable
      judicial decisions) specifically address the status of any such payment or
      the method of valuation therefor, the characterization afforded to such
      payment by the Regulations (or such decisions) will, together with the
      applicable valuation methodology, be controlling.

                     (ii)  In the event Treasury Regulations (or applicable
      judicial decisions) do not address the status of any payment in dispute,
      the matter will be submitted for resolution to a nationally-recognized
      independent accounting firm mutually acceptable to Employee and the
      Holding Company ("Independent Accountant"). The resolution reached by the
      Independent Accountant will be final and controlling; provided, however,
      that if in the judgment of the Independent Accountant the status of the
      payment in dispute can be resolved through the obtainment of a private
      letter ruling from the Internal Revenue Service, a formal and proper
      request for such ruling will be prepared and submitted, and proper request
      for such ruling will be prepared and submitted, and the determination made
      by the Internal Revenue Service in the issued ruling will be controlling.
      All expenses incurred in connection with the retention of the Independent
      Accountant and (if applicable) the preparation and submission of the
      ruling request shall be borne by the Holding Company.

               (e)   Notwithstanding the foregoing, any payments made to
Employee pursuant to this Agreement, or otherwise, are subject to and
conditioned upon compliance with 12 U.S.C.ss.1828(k) and any regulations
promulgated thereunder.

          14.  Modification.

               This Agreement sets forth the entire understanding of the parties
with respect to the subject matter hereof, supersedes all existing agreements
between them concerning such subject matter, and may be modified only by written
instrument duly executed by each party.

          15.  Notices.

               Any notice or other communication required or permitted to be
given hereunder shall be in writing and shall be mailed by certified mail,
return receipt requested or delivered against receipt to the party at the
address set forth following the signature line of this Agreement or to such
other address as the party shall have furnished in writing. Notice to the

                                       10

<PAGE>

estate of Employee shall be sufficient if addressed to Employee as provided in
this Section 15. Any notice or other communication given by certified mail shall
be deemed given at the time of certification thereof, except for a notice
changing a party's address which shall be deemed given at the time of receipt
thereof.

          16.  Dispute Resolution Procedures

               Except with respect to any claim for equitable relief (the
pursuit of which shall not be subject to the provisions of this Section 16), any
controversy or claim arising out of or this Agreement or the Employee's
employment with the Holding Company or the termination thereof, including, but
not limited to, any claim of discrimination under state or federal law, shall be
settled by binding arbitration in accordance with the Rules of the American
Arbitration Association; and judgment upon the award rendered in such
arbitration shall be final and may be entered in any court having jurisdiction
thereof. Notice of the demand for arbitration shall be filed in writing with the
other party to this Agreement and with the American Arbitration Association. In
no event shall the demand for arbitration be made after the date when the
institution of legal or equitable proceedings based on such claim, dispute or
other matter in question would be barred by the applicable statute of
limitations. This agreement to arbitrate shall be specifically enforceable under
the prevailing arbitration law. Any party desiring to initiate arbitration
procedures hereunder shall serve written notice on the other party. The parties
agree that an arbitrator shall be selected pursuant to these provisions within
thirty (30) days of the service of the notice of arbitration. In the event of
any arbitration pursuant to these provisions, the parties shall retain the
rights of all discovery provided pursuant to the California Code of Civil
Procedure and the Rules thereunder. Any arbitration initiated pursuant to these
provisions shall be on an expedited basis and the dispute shall be heard within
one hundred twenty (120) days following the serving of the notice of arbitration
and a written decision shall be rendered within sixty (60) days thereafter. All
rights, causes of action, remedies and defenses available under California law
and equity are available to the parties hereto and shall be applicable as though
in a court of law. The parties shall share equally all costs of any such
arbitration.

          17.  Miscellaneous.

               (a)   This Agreement is drawn to be effective in the State of
California and shall be construed in accordance with California laws, except to
the extent superseded by federal law. The parties specifically acknowledge that
while the restrictions contained in Section 131 of the Federal Deposit Insurance
Corporation Improvement Act of 1991, relating to the payment of bonuses and
increases for senior executive officers of institutions which are deemed
"undercapitalized", do not currently apply to the Bank, such provisions may
affect the terms of this Agreement if during its term the Bank should be deemed
undercapitalized by either the OTS or the FDIC. No amendment or variation of the
terms of this Agreement shall be valid unless made in writing and signed by
Employee and a duly authorized representative of the Bank.

               (b)   Any waiver by either party of a breach of any provision of
this Agreement shall not operate as to be construed to be a waiver of any other
breach of such provision or of any breach of any other provision of this
Agreement. The failure of a party to insist upon strict adherence to any term of
this Agreement on one or more occasions shall not be

                                       11

<PAGE>

considered a waiver or deprive that party of the right thereafter to insist upon
strict adherence to that term or any other term of this Agreement. Any waiver
must be in writing.

               (c)   Employee's rights and obligations under this Agreement
shall not be transferable by assignment or otherwise, such rights shall not be
subject to commutation, encumbrance or the claims of Employee's creditors, and
any attempt to do any of the foregoing shall be void. The provisions of this
Agreement shall be binding upon and inure to the benefit of the Holding Company
and its successors and those who are its assigns under Section 12.

               (d)   This Agreement does not create, and shall not be construed
as creating, any rights enforceable by a person not a party to this Agreement
(except as provided in subsection (c) above).

               (e)   The headings in this Agreement are solely for the
convenience of reference and shall be given no effect on the construction or
interpretation of this Agreement.

               (f)   This Agreement may be executed in any number of
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument. It shall be governed by
and construed in accordance with the laws of the State of California, without
giving effect to conflict of laws, except where federal law governs.

                                       12

<PAGE>

          18.  Resignation as Director Upon Termination.

               Upon termination of this Agreement, Employee, if he is then
serving as a director of the Holding Company, agrees to immediately resign his
position as a director as well as all other positions he may hold until the
Holding Company or any related or affiliated entity by giving written notice of
his resignation to the Vice Chairman of the Board of Directors of the Holding
Company.

               IN WITNESS WHEREOF, the Holding Company and Employee have
executed this Agreement to be effective as of the day and year written above.

        HOLDING COMPANY:          Commercial Capital Bancorp

                                  By:    /s/  David S. DePillo
                                         -------------------------------
                                         David S. DePillo
                                  Vice Chairman, President and Chief Operating
                                  Officer

                                  Address:
                                          ------------------------------

                                          ------------------------------

        EMPLOYEE:                 /s/  Stephen H. Gordon
                                  --------------------------------------
                                  Stephen H. Gordon

                                  Address:
                                          ------------------------------

                                          ------------------------------

                                       13

<PAGE>
                                                              Exhibit 10.3 cont.

                     AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT

         This AMENDMENT NO. 1 TO EMPLOYMENT AGREEMENT, dated as of August __,
2002 (the "Amendment"), by and between Commercial Capital Bancorp, Inc., a
corporation organized under the laws of the State of Nevada with its
headquarters office located in the City of Irvine, Orange County, California
(the "Holding Company"), and STEPHEN H. GORDON, a California resident (the
"Employee" and together with the Holding Company, the "Parties").

         WHEREAS, the Parties entered into an Employment Agreement, dated as of
September 13, 2001 ( the "Agreement");

         WHEREAS, the Parties hereto wish to modify and amend the Agreement as
set forth herein;

         NOW, THEREFORE, in consideration of the premises, covenants and
agreements hereinafter set forth, the Parties hereto agree as follows:

         1.    Amendment to Section 9(d) of the Agreement.

         Section 9(d) of the Agreement is hereby amended and restated in its
entirety to read as follows:

         Upon the occurrence of an Event of Termination by the Holding Company,
the Holding Company shall pay Employee, or in the event of his subsequent death,
his beneficiary or beneficiaries, or his estate, as the case may be, as
severance pay or liquidated damages, or both a sum equal to the greater of: (1)
the payments due for the remaining term of the Agreement; or (2) three (3) times
Employee's highest annual compensation for the last five (5) years (such
payment, the Severance Payment). Such annual compensation shall include base
salary, commissions, bonuses, contributions or accruals on behalf of Employee to
any pension and profit sharing plans, including any non-qualified, deferred
compensation or salary continuation plans, any benefits to be paid or received
under any stock-based benefit plan, severance payments, directors or committee
fees and value of fringe benefits paid or to be paid to the Employee during such
years. At the election of the Employee, the Severance Payment shall be made to
Employee: (a) in a lump sum on the Date of Termination, or (b) on a semi-monthly
basis in approximately equal installments over a period of thirty-six (36)
months following the Date of Termination or (c) on an annual basis in
approximately equal installments over a period of thirty-six (36) months
following the Date of Termination. Payment of the Severance Payment shall be in
addition to all other sums owed to Employee under applicable law for all periods
prior to the Date of Termination, including, without limitation, sums owed in
respect of accrued PTO, accrued bonus, if any, and reimbursable expenses.
Notwithstanding anything in this Agreement to the contrary no bonus shall be
deemed to have been accrued unless and until any such bonus has been duly
authorized by the Holding Company's Board of Directors or a duly authorized
committee thereof. Such payments shall not be reduced in the event Employee
obtains other employment following termination of employment.

         2.    Miscellaneous.

         (a)   The Agreement is incorporated herein by reference.

<PAGE>

         (b)   Except as otherwise set forth herein, the Agreement, as amended
hereby, shall remain in full force and effect and the Parties shall have all the
rights and remedies provided thereunder with the same force and effect as if the
Agreement was restated herein in its entirety.

         (c)   The provisions hereof shall be binding upon and inure to the
benefit of the Parties and their respective executors, heirs, personal
representatives, successors and assigns.

         (d)   This Amendment may be executed and delivered in several
counterparts with the intention that all such counterparts, when taken together,
constitute one and the same instrument.

                                      * * *

                                       2

<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of the date first above written.

            HOLDING COMPANY:  Commercial Capital Bancorp, Inc.

                              By: /s/ David S. DePillo
                                  David S. DePillo
                                  Vice Chairman, President and Chief Operating
                                  Officer

            EMPLOYEE:

                              /s/ Stephen H. Gordon
                              Stephen H. Gordon
                              Address:__________________________________
                                      __________________________________

                                       3

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