0001004969-05-000049 Sample Contracts

GUARANTEE AGREEMENT PFF Bancorp, Inc. Dated as of September 16, 2005
Guarantee Agreement • September 22nd, 2005 • PFF Bancorp Inc • Savings institution, federally chartered • New York

This GUARANTEE AGREEMENT (the "Guarantee"), dated as of September 16, 2005, is executed and delivered by PFF Bancorp, Inc., a savings and loan holding company incorporated in the State of Delaware (the "Guarantor"), and Wilmington Trust Company, a Delaware banking corporation, as trustee (the "Guarantee Trustee"), for the benefit of the Holders (as defined herein) from time to time of the Capital Securities (as defined herein) of PFF Bancorp Capital Trust II, a Delaware statutory trust (the "Issuer").

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