FORM OF NON-STATUTORY STOCK OPTION AWARD AGREEMENT

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        EXHIBIT 10.4: FORM OF NON-STATUTORY STOCK OPTION AWARD AGREEMENT



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                                     FORM OF
                NON-STATUTORY STOCK OPTION AWARD AGREEMEN FOR THE
             SUGAR CREEK FINANCIAL CORP. 2007 EQUITY INCENTIVE PLAN

         This Award Agreement is provided to _______________ (the "Participant")
by Sugar Creek Financial Corp. (the "Company") as of _________ (the "Grant
Date"), the date the Compensation Committee of the Board of Directors (the
"Committee") granted the Participant the right and option to purchase Shares
pursuant to the Sugar Creek Financial Corp. 2007 Equity Incentive Plan (the
"2007 Plan"), subject to the terms and conditions of the 2007 Plan and this
Award Agreement:

         1.        OPTION GRANT:              You have been granted a
                                            NON-STATUTORY STOCK OPTION (referred
                                            to in this Agreement as your
                                            "Option"). Your Option is NOT
                                            intended to qualify as an "incentive
                                            stock option" under Section 422 of
                                            the Internal Revenue Code of 1986,
                                            as amended.

         2.        NUMBER OF SHARES
                  SUBJECT TO YOUR OPTION:    ________ shares of Common Stock
                                            ("Shares"), subject to adjustment as
                                            may be necessary pursuant to Article
                                            10 of the 2007 Plan.

         3.        GRANT DATE:                ________

         4.        EXERCISE PRICE:            You may purchase Shares covered by
                                            your Option at a price of $______
                                            per share.

         Unless sooner vested in accordance with Section 2 of the Terms and
Conditions (attached hereto) or otherwise in the discretion of the Committee,
the Options shall vest (become exercisable) in accordance with the following
schedule:
<TABLE>
<CAPTION>


      Continuous Status
      as a Participant            Percentage of Option          Number of Shares
      after Grant Date                 Vested              Available for Exercise     Vesting Date
      <S>                              <C>
      Less than 1 year                   0%
       1 year                           20%
       2 years                           40%
       3 years                          60%
       4 years                          80%
       5 years                         100%
</TABLE>


         IN WITNESS WHEREOF, Sugar Creek Financial Corp., acting by and through
the Committee, has caused this Award Agreement to be executed as of the Grant
Date set forth above.

                                     SUGAR CREEK FINANCIAL CORP.


                                           
                                     By:
                                          ---------------------------------------
                                         On behalf of the Compensation Committee

ACCEPTED BY PARTICIPANT:


--------------------------
[Name]


--------------------------
Date


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TERMS AND CONDITIONS

1.        GRANT OF OPTION. The Grant Date, Exercise Price and number of Shares
         subject to your Option are stated on page 1 of this Award Agreement.
         Capitalized terms used herein and not otherwise defined shall have the
         meanings assigned to such terms in the 2007 Plan.

2.        VESTING OF OPTIONS. The Option shall vest (become exercisable) in
         accordance with the vesting schedule shown on page 1 of this Award
         Agreement. Notwithstanding the vesting schedule on page 1, the Option
         will also vest and become exercisable:

         (a)       Upon your death or Disability during your Continuous Status as
                  a Participant; or

         (b)       Upon a Change in Control (as defined in the 2007 Plan).

3.        TERM OF OPTIONS AND LIMITATIONS ON RIGHT TO EXERCISE. The term of the
         Option will be for a period of ten (10) years, expiring at 5:00 p.m.,
         Eastern Time, on the tenth anniversary of the Grant Date (the
          "Expiration Date"). To the extent not previously exercised, the vested
         portion of your Option will lapse prior to the Expiration Date upon the
         earliest to occur of the following circumstances:

         (a)       Three (3) months after the termination of your Continuous
                  Status as a Participant for any reason other than your death
                  or Disability.

         (b)       Twelve (12) months after termination of your Continuous Status
                  as a Participant by reason of Disability.

         (c)       Twelve (12) months after the date of your death, if you die
                  while employed, or during the three-month period described in
                  subsection (a) above or during the twelve-month period
                  described in subsection (b) above and before the Option would
                  otherwise lapse. Upon your death, your beneficiary (designated
                  pursuant t