Exhibit 10.15

COMMERCIAL CAPITAL BANK
SALARY CONTINUATION AGREEMENT

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

INTRODUCTION

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

AGREEMENT

The Company and the Executive agree as follows:

Article 1
Definitions

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

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

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

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

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

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

1.6 "Effective Date" means July 23, 2002.

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

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

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

1.10 "Termination for Cause" see Article 5.

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

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

Article 2
Lifetime Benefits

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Article 3
Death Benefits

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

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

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

Article 4
Beneficiaries

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

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

Article 5
General Limitations

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

(a) Gross negligence or gross neglect of duties;

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

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

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

Article 6
Claims and Review Procedures

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

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

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

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

(a) The specific reasons for the denial;

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

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

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

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

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

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

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

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

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

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

(a) The specific reasons for the denial;

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

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

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

Article 7
Amendments and Termination

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

Article 8
Miscellaneous

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

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

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

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

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

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

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

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

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

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

(b) Maintaining a record of benefit payments;

(d) Interpreting the provisions of the Agreement.

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

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

EXECUTIVE: COMPANY:

Commercial Capital Bank

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

Exhibit 10.15 cont.

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

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

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

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

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

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

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

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

Executive: Company:
Commercial Capital Bank

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

Exhibit 10.15 cont.

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

Stephen H. Gordon
- --------------------------------------------------------------------------------

DOB:10/26/1962 Early Involuntary Termination Disability Change of Control
Plan Anniv Date: 3/1/2003
Retirement Age: 60 Lump Sum Lump Sum Payable Installment
Payments: Monthly Installments Payable Immediately Immediately Payable at 60
- -------------------------------------------------------------------------------------------------------
Benefit Accrual Based On Based On Based On
Level Balance Vesting Accrual Vesting Accrual Vesting Benefit
-------------------------------------------------------------------------------------
Period Ending Age (1) (2) (3) (4) (5) (6) (7) (8)
- -------------------------------------------------------------------------------------------------------

Jun 2003 40 175,000 35,885 100% 35,885 100% 35,885 100% 175,000
Jun 2004 41 175,000 74,748 100% 74,748 100% 74,748 100% 175,000
Jun 2005 42 175,000 116,837 100% 116,837 100% 116,837 100% 175,000
Jun 2006 43 175,000 162,419 100% 162,419 100% 162,419 100% 175,000
Jun 2007 44 175,000 211,784 100% 211,784 100% 211,784 100% 175,000
- -------------------------------------------------------------------------------------------------------
Jun 2008 45 175,000 265,247 100% 265,247 100% 265,247 100% 175,000
Jun 2009 46 175,000 323,147 100% 323,147 100% 323,147 100% 175,000
Jun 2010 47 175,000 385,853 100% 385,853 100% 385,853 100% 175,000
Jun 2011 48 175,000 453,764 100% 453,764 100% 453,764 100% 175,000
Jun 2012 49 175,000 527,311 100% 527,311 100% 527,311 100% 175,000
- -------------------------------------------------------------------------------------------------------
Jun 2013 50 175,000 606,962 100% 606,962 100% 606,962 100% 175,000
Jun 2014 51 175,000 693,224 100% 693,224 100% 693,224 100% 175,000
Jun 2015 52 175,000 786,646 100% 786,646 100% 786,646 100% 175,000
Jun 2016 53 175,000 887,822 100% 887,822 100% 887,822 100% 175,000
Jun 2017 54 175,000 997,396 100% 997,396 100% 997,396 100% 175,000
- -------------------------------------------------------------------------------------------------------
Jun 2018 55 175,000 1,116,064 100% 1,116,064 100% 1,116,064 100% 175,000
Jun 2019 56 175,000 1,244,581 100% 1,244,581 100% 1,244,581 100% 175,000
Jun 2020 57 175,000 1,383,766 100% 1,383,766 100% 1,383,766 100% 175,000
Jun 2021 58 175,000 1,534,502 100% 1,534,502 100% 1,534,502 100% 175,000
Jun 2022 59 175,000 1,697,750 100% 1,697,750 100% 1,697,750 100% 175,000
- -------------------------------------------------------------------------------------------------------
Oct 2022 60 175,000 1,755,123 100% 1,755,123 100% 1,755,123 100% 175,000

October 2022 Retirement, 11/1/2022 First Payment Date
- --------------------------------------------------------------------------------
/1/The first line reflects 12 months of data, July 2002 to June 2003.

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