Exhibit 10.15 DIRECTOR RETIREMENT BENEFITS AGREEMENT This Director Retirement Benefits Agreement is made and entered into as of January 15, 2003, by and among Downey Financial Corporation ("DFC"), Downey Savings and Loan Association, F.A. ("DSLA") and...Director Retirement Benefits Agreement • March 6th, 2003 • Downey Financial Corp • Savings institution, federally chartered
