Authorized Sponsors - VIP Mortgage Program Exhibit 04-010 Rev.7/27/16

VIP Mortgage Program Authorized Sponsors

Important Note: All members of Management Group and Michael Todaro are also eligible authorized sponsors.

M&T RETAIL, MIDDLE MARKET OR COMMERCIAL BANKING NAME TITLE MARKET Black, Peter SVP, Regional President Greater Washington DC Brown, Ira Group VP, Regional President Philadelphia PA Brozyna, Christina Group VP, Retail Market Mgr Eastern NY/Upstate NY Burns, Daniel SVP, Regional President Rochester NY Calhoun, Matt Group VP, Retail Market Mgr Greater Delaware/Eastern NY Carroll, Noel SVP, Retail Market Manager Greater Baltimore Chiasera, Augie SVP, Regional President Baltimore MD/Chesapeake Comiskey, Tom Group VP, Regional President NYC/LI NY/TT/CT/NJ Crosswhite, R. Joe SVP, Regional President Southeast PA/York D’Arcy, Peter SVP, Regional President NYC/LI NY Dudish, Gary SVP, Retail Market Manager Northern PA/Southern NY Foreman, Steve Group VP, Regional President Upstate NY / No.& Central PA Halliday, Sarah Group VP, Market President Albany Heine, Stephen Group VP, Retail Market Mgr Greater Washington/VA Hodges, Cecilia Group VP, Regional President Central Virginia Jarosz, Jim Group VP, Retail Market Mgr Western NY Johnson, Philip Group VP, Regional President Northern PA Keegan, Michael SVP, Regional President Albany/Hudson Valley Koppmann, Tom Group VP, Regional President Southeast PA Lambrow, Nick SVP, Regional President Delaware Mandell, Paula SVP, Regional President Tarrytown/New Jersey McCarthy, Rich SVP, Retail Banking Micalizzi, Frank SVP, Regional President Tarrytown Murchie, Michael SVP, Regional President Central/Western PA Naples, Allen SVP, Regional President Central NY Newman, Peter Group VP, Regional President Southern NY Sciarra, Susan SVP, Retail Banking Small, Glenn SVP, Regional President Southern NY Stellwag, Mark Group VP, Market President Hudson Valley/NewEngland Walter, Brian Group VP, Regional President Chesapeake MD Wellington, Jeffrey SVP, Regional President Western NY

Loans sponsored by any of the Retail, Middle Market, Commercial or Business Banking individuals listed above and on the next page must be registered into one of the following: Loans amount up to Loan amounts greater VIP LOANS 1 Unit $417,000/2 Unit $533,850: than $417,000/$533,850:

VIP 15-30 Year FRM 880 VIP Bi-Weekly 1114 VIP 5/1 ARM 2771 2743 VIP 7/1 ARM 2772 2744 VIP 10/1 ARM 1056 1053 VIP 15-30 Year FRM Non-QM 2064 VIP 10/1 ARM Non-QM 2070

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Authorized Sponsors - VIP Mortgage Program Exhibit 04-010 Rev.7/27/16

M&T BUSINESS BANKING NAME TITLE MARKET Donovan, Jim Group VP, Market Manager PA Capital Feldstein, Eric SVP, Sales Manager Washington DC/Central VA Garner, Trevor Group VP, Market Manager Baltimore/Chesapeake Hosty, Neil SVP Luhr, Al SVP, Market Manager Western NY

VIP-Private Banking/Wealth Advisory Mortgage Program Authorized Sponsors

WILMINGTON TRUST PRIVATE BANKING & WEALTH ADVISORY SERVICES (WAS) NAME TITLE MARKET Bard, Amy Private Banker Buffalo, NY Barron, Julie Private Banker Boston, MA Black, Charlie Private Banker Baltimore, MD Coppola, Jon Private Banker NYC, Tarrytown, LI, CT Crouch, Marjorie Private Banker DE, Mid-Atlantic Del Guercio, Carmen Head of Private Banking All Markets Drexler, Kim Private Banker National & Family Wealth, DE Driscoll, Bill Group Manager, Private Banking All Markets Enders, Julie Private Banker Buffalo, NY Fitzgerald, Mark Private Banker SE PA (York) Ford, Heather Private Banker Albany, Boston, Fishkill Franz, Jerry Private Banker Cherry Hill, NJ Heiser, John Private Banker Wilmington, DE Iraheta, Luis Private Banker Rockville, MD Jutkofsky, Jenna Private Banker Philadelphia, PA Kochie, Steve Private Banker Wilmington, DE Kudla, Joanna Private Banker Villanova, PA Macechko, Nick Private Banker Baltimore, MD Massa, Sandy Private Banker Wilmington, DE McNeal, Diane Private Banker Florida / Atlanta, GA Morrisroe, Brian Private Banker NYC, Tarrytown, LI, CT O’Donnell, Julia Private Banker Syracuse & Binghamton, NY Patton, Donna Private Banker Wilkes-Barre, PA Saltos, Shannon Private Banker New York City Silverman, Ann Group Manager, Private Banking All Markets St.Clair, Anne Private Banker New Jersey Stuart, Nicole Private Banker West Chester, PA Trobiano, John Private Banker Northern NJ VanWinkle, Roberta Private Banker Rochester, NY Ward, Arlene Private Banker Baltimore, MD Williams, Jonathan Private Banker Harrisburg, PA Graham, Mark EVP, Wealth Advisory Services All Markets Gilespie, Tim Market Manager, Wealth Advisory PA/NJ/DE LaFond, Bill Market Manager, Wealth Advisory Mid-Atlantic Sawyer, Jack Market Manager, Wealth Advisory Southeast Stickney, Kemp Market Manager, Wealth Advisory Family Wealth, DE & CA

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Authorized Sponsors - VIP Mortgage Program Exhibit 04-010 Rev.7/27/16

Loans referred by any of the Private Banking and WAS individuals listed on the previous page must be registered into one of the following product codes:

Loans amount up to Loan amounts greater PRIVATE BANKING REFERRALS 1 Unit $417,000/2 Unit $533,850: than 417,000/$533,850:

PB 15-30 Year Fixed 1646 PB Biweekly 1648 1649 PB 5/1 ARM 1650 1652 PB 7/1 ARM 1654 1656 PB 10/1 ARM 1593 1660

PRIVATE BANKING NON-QM

PB 30 Year Fixed IO 1267 PB 15-30 Year Fixed Non-QM 1897 PB Biweekly Non-QM 1898 1899 PB 5/1 ARM Non-QM 1900 1901 PB 7/1 ARM Non-QM 1902 2018 PB 10/1 ARM Non-QM 1890 1891 PB 5/1 ARM IO 1271 1273 PB 7/1 ARM IO 1275 1532 PB 10/1 ARM IO 1279 1281

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