Document:

EX-10.1

 EXHIBIT 10.1 
 EXECUTION COPY 
 REGISTRATION RIGHTS AGREEMENT 

This Registration Rights Agreement (this “Agreement”) is made and entered into as of May 15, 2013, between
Stonegate Mortgage Corporation, an Ohio corporation (together with any successor entity thereto, the “Company”), and FBR Capital Markets & Co., a Delaware corporation, as the initial purchaser/placement agent
(“FBR”) for the benefit of FBR and the purchasers (“Participants”) of the Company’s common stock, $0.01 par value per share (“Common Stock”) in the private offering by the Company of
shares of its Common Stock contemplated by the Purchase/Placement Agreement (defined below), and the direct and subsequent transferees of such shares of Common Stock of FBR and each of the Participants. 

This Agreement is made pursuant to the Purchase/Placement Agreement (the “Purchase/Placement Agreement”), dated as of
May 8, 2013, between the Company and FBR in connection with the purchase and sale or placement of an aggregate of 5,555,556 shares of Common Stock (plus up to an additional 833,333 shares that FBR has the option to purchase or place to cover
additional allotments, if any). In order to induce FBR to enter into the Purchase/Placement Agreement, the Company has agreed to provide the registration rights provided for in this Agreement to FBR, the Participants, and their respective direct and
subsequent transferees. The execution of this Agreement is a condition to the closing of the transactions contemplated by the Purchase/Placement Agreement. 
 The parties hereby agree as follows: 
  

	1.	Definitions 

 As used in this Agreement, the following terms shall have the following meanings: 

Affiliate: As to any specified Person, as defined in Rule 12b-2 promulgated under the Exchange Act. 

Agreement: As defined in the preamble. 
 Board of Directors: As defined in Section 3(b) hereof. 
 Business
Day: A day on which the principal office of the Commission is open within the meaning of Rule 110. 
 Closing Date:
The date of this Agreement. 
 Commission: The Securities and Exchange Commission. 

Common Stock: As defined in the preamble. 
 Company: As defined in the preamble. 

 Controlling Person: As defined in Section 7(a) hereof. 

End of Suspension Notice: As defined in Section 6(b) hereof. 

Exchange Act: The Securities Exchange Act of 1934, as amended. 

FBR: As defined in the preamble. 
 FINRA: The Financial Industry Regulatory Authority. 
 First Trigger
Date: As defined in Section 3(a) hereof. 
 Holder: Each record owner of any Registrable Shares from time to
time, including FBR and its Affiliates to the extent FBR or any such Affiliate holds any Registrable Shares. 
 Indemnified
Party: As defined in Section 7(c) hereof. 
 Indemnifying Party: As defined in Section 7(c) hereof.

 IPO Registration Statement: As defined in Section 2(b) hereof. 

Issuer Free Writing Prospectus: As defined in Section 2(c) hereof. 

JOBS Act: The Jumpstart Our Business Startups Act, as amended, and the rules and regulations promulgated by the Commission
thereunder. 
 Liabilities: As defined in Section 7(a) hereof. 

No Objections Letter: As defined in Section 5(s) hereof. 

Nominee: As defined in Section 3(c) hereof. 
 Participants: As defined in the preamble. 
 Person: An individual,
partnership, corporation, limited liability company, trust, unincorporated organization, government or agency or political subdivision thereof, or any other legal entity. 
 Private Placement Shares: As defined in the Purchase/Placement Agreement. 

Proceeding: An action, claim, suit or proceeding (including without limitation, an investigation or partial proceeding, such as a
deposition), whether commenced or, to the knowledge of the Person subject thereto, threatened. 

  
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 Prospectus: The prospectus included in any Registration Statement, including any
preliminary prospectus at the “time of sale” within the meaning of Rule 159 and all other amendments and supplements to any such prospectus, including post-effective amendments, and all material incorporated by reference or deemed to
be incorporated by reference, if any, in such prospectus. 
 Purchase/Placement Agreement: As defined in the preamble.

 Purchaser Indemnitee: As defined in Section 7(a) hereof. 

Registrable Shares: The Private Placement Shares (including but not limited to any such shares issued and sold in the Offering to
officers and directors of the Company and their designated friends, family and affiliates) and the Rule 144A/Regulation S Shares, upon original issuance thereof, and at all times subsequent thereto, including upon the transfer thereof by the
original holder or any subsequent holder and any shares or other securities issued in respect of such Registrable Shares by reason of or in connection with any stock dividend, stock distribution, stock split, purchase in any rights offering or in
connection with any exchange for or replacement of such Registrable Shares or any combination of shares, recapitalization, merger or consolidation, or any other equity securities issued pursuant to any other pro rata distribution with respect to the
Common Stock, until, in the case of any such Accredited Investor Share or Rule 144A/Regulation S Share, the earliest to occur of: (i) the date on which the resale of such share has been registered pursuant to the Securities Act and it has
been disposed of in accordance with the Registration Statement relating to it, (ii) the date on which such share either (a) has been transferred pursuant to Rule 144 (or any similar provision then in effect) or (b) is freely
saleable, without being subject to any volume limitation, pursuant to Rule 144, (iii) the date on which such share is sold to the Company or an Affiliate of the Company, or (iv) the date on which such share ceases to be outstanding.

 Registration Default: As defined in Section 2(f) hereof. 

Registration Expenses: Any and all actual expenses incident to the performance of or compliance with this Agreement, including,
without limitation: (i) all Commission, securities exchange, and FINRA registration, listing, inclusion and filing fees; (ii) all fees and expenses incurred in connection with compliance with international, federal or state securities or
blue sky laws (including, without limitation, any registration, listing and filing fees and fees and disbursements of counsel in connection with blue sky qualification of any of the Registrable Shares and the preparation of a blue sky memorandum and
compliance with the rules of FINRA); (iii) all expenses in preparing or assisting in preparing, word processing, duplicating, printing, delivering and distributing any Registration Statement, any Prospectus, any amendments or supplements
thereto; (iv) all fees and expenses incurred in connection with the listing or inclusion of any of the Registrable Shares on any securities exchange pursuant to Section 5(n) of this Agreement; (v) the fees and disbursements of counsel
for the Company and of the independent registered public accounting firm of the Company (including, without limitation, the expenses of any special audit and “cold comfort” letters required by or incident to the performance of this
Agreement); (vi) reasonable fees and disbursements of one law firm, 

  
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reasonably acceptable to the Company, for the Holders, selected by the Holders holding a majority of the Registrable Shares (such counsel, “Selling Holders’ Counsel”), not
to exceed $35,000; and (vii) any other fees and disbursements customarily paid in issues and sales of securities (including the fees and expenses of any experts retained by the Company in connection with any Registration Statement);
provided, however, that Registration Expenses shall exclude brokers’ or underwriters’ discounts, commissions and placement fees, if any, relating to the sale or disposition of Registrable Shares by a Holder. 

Registration Statement: Any registration statement of the Company that covers the resale of Registrable Shares pursuant to the
provisions of this Agreement, including the Prospectus, amendments and supplements to such registration statement or Prospectus, including pre—and post-effective amendments, all exhibits thereto and all material incorporated by reference or
deemed to be incorporated by reference, if any, in such registration statement. 
 Rule 144A/Regulation S Shares: As
defined in the Purchase/Placement Agreement. 
 Second Trigger Date: As defined in Section 3(a) hereof. 

Securities Act: The Securities Act of 1933, as amended. Any reference to a “Rule” number herein, unless otherwise
specified, shall be a reference to such Rule number promulgated by the Commission pursuant to the Securities Act, as such rule may be amended from time to time, or any similar rule or regulation hereafter adopted by the Commission as a replacement
thereto having substantially the same effect as such rule. 
 Selling Holders’ Counsel: As defined in clause
(vi) of the definition for Registration Expenses. 
 Shares: The shares of Common Stock sold pursuant to the
Purchase/Placement Agreement. 
 Shelf Registration Statement: As defined in Section 2(a) hereof. 

Special Election Meeting: As defined in Section 3(a) hereof. 

Stonegate Holdings: Stonegate Investor Holdings, LLC, a Delaware limited liability company. 

Suspension Event: As defined in Section 6(b) hereof. 

Suspension Notice: As defined in Section 6(b) hereof. 

Underwritten Offering: A sale of Shares to or through an underwriter or underwriters for re-offering to the public. 

  
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 Voting Agreement: That certain Voting Agreement, by and among the Company, FBR and
Stonegate Holdings, dated as of the date hereof. 
 Voting Shares: As defined in the Voting Agreement. 

 

	2.	Registration Rights 

 (a) Mandatory Shelf Registration. As set forth in Section 5 hereof, the Company agrees to confidentially submit or file with the Commission, as soon as reasonably practicable following the
date of this Agreement (but in no event later than September 12, 2013) a shelf Registration Statement on Form S-1 or such other form under the Securities Act then available to the Company providing for the resale of any Registrable Shares
pursuant to Rule 415 from time to time by the Holders (a “Shelf Registration Statement”). Except as provided in this Section 2, the Company shall use its commercially reasonable efforts to cause such Shelf Registration
Statement to be declared effective by the Commission as soon as reasonably practicable after the initial filing thereof and in any event, subject to Section 2(b)(iii) below, by no later than February 15, 2014. Any Shelf Registration
Statement shall provide for the resale from time to time, and pursuant to any customary methods or combination of methods (including, without limitation, an Underwritten Offering, a direct sale to purchasers or a sale through brokers or agents) by
the Holders of any and all Registrable Shares. In addition, if the Company has not caused its Common Stock, including any Registrable Shares (or shares that would be Registrable Shares if they were not unrestricted under Rule 144) eligible for
listing, to be listed on a national securities exchange prior to January 1, 2015, the Company agrees to use its commercially reasonable efforts to cause its Common Stock, including any Registrable Shares (or shares that would be Registrable
Shares if they were not unrestricted under Rule 144) eligible for listing, to be listed on the New York Stock Exchange (or such other national securities exchange selected by the Company in its sole and absolute discretion) as soon as reasonably
practicable after January 1, 2015, subject to the Company’s ability to satisfy the initial listing standards of the New York Stock Exchange. 
 (b) IPO Registration. If the Company proposes to file a Registration Statement on Form S-1 or such other form under the Securities Act providing for the initial public offering of shares of
Common Stock (the “IPO Registration Statement”), the Company will notify in writing each Holder of the filing within five Business Days after the initial filing and afford each Holder an opportunity to include in the IPO
Registration Statement all or any part of the Registrable Shares then held by such Holder. The Company will also concurrently provide FBR with a copy of the notice and any related materials provided to the Holders. Each Holder desiring to include in
the IPO Registration Statement all or part of the Registrable Shares held by such Holder shall, within 10 Business Days after receipt of the above-described notice from the Company, so notify the Company in writing, and in such notice shall
inform the Company of the number of Registrable Shares such Holder wishes to include in the IPO Registration Statement. Any election by any Holder to include any Registrable Shares in the IPO Registration Statement will be binding upon such Holder
thereafter except as provided herein and shall not affect the inclusion of such Registrable Shares in the Shelf Registration Statement until such Registrable Shares have been sold under the IPO Registration Statement. 

  
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 (i) Right to Terminate IPO Registration. The Company shall have the
right to terminate or withdraw the IPO Registration Statement initiated by it and referred to in this Section 2(b) whether or not any Holder has elected to include Registrable Shares in such registration; provided, however, the Company
must provide each Holder that elected to include any Registrable Shares in such IPO Registration Statement prompt written notice of such termination or withdrawal. Furthermore, in the event the IPO Registration Statement is not declared effective
within 90 days following the initial filing of the IPO Registration Statement, unless a road show for the Underwritten Offering pursuant to the IPO Registration Statement is actually in progress at such time, the Company shall promptly provide a new
written notice to all Holders giving them another opportunity to elect to include Registrable Shares in the pending IPO Registration Statement. Each Holder receiving such notice shall have the same election rights afforded such Holder as described
in clause (b) above. 
 (ii) Selection of Underwriter. The Company shall have the sole right to
select the managing underwriter(s) for its initial public offering, regardless of whether any Registrable Shares are included in the IPO Registration Statement or otherwise. 

(iii) Shelf Registration not Impacted by IPO Registration Statement. The Company’s obligation to
confidentially submit or file the Shelf Registration Statement pursuant to Section 2(a) hereof shall not be affected by the filing or effectiveness of the IPO Registration Statement. In addition, the Company’s obligation to use its
commercially reasonable efforts to cause the Shelf Registration Statement to be declared effective by the Commission pursuant to Section 2(a) hereof shall not be affected by the filing or effectiveness of an IPO Registration Statement;
provided, however, if the Company files an IPO Registration Statement before the effective date of the Shelf Registration Statement, the Company shall have the right to defer causing the Commission to declare such Shelf Registration Statement
effective until up to 60 days after the closing date of its initial public offering pursuant to the IPO Registration Statement. If the Company completes an initial public offering of its Common Stock pursuant to an IPO Registration Statement, the
Company agrees that it will, upon the effectiveness of the Shelf Registration Statement, cause the Registrable Shares to be listed on the same national securities exchange on which the Company’s Common Stock was listed in connection with its
initial public offering. 
 (c) Issuer Free Writing Prospectus. The Company represents and agrees that, unless it obtains
the prior consent of Holders of a majority of the Registrable Shares that are registered under a Shelf Registration Statement at such time or the consent of the managing underwriter in connection with any Underwritten Offering of Registrable Shares
under such Shelf Registration Statement, and each Holder represents and agrees that, unless it obtains the prior consent of the Company and any such underwriter, it will not make any offer relating to the Shares pursuant to such Resale Shelf
Registration Statement that would constitute an “issuer free writing 

  
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prospectus,” as defined in Rule 433 (an “Issuer Free Writing Prospectus”), or that would otherwise constitute a “free writing prospectus,” as defined in
Rule 405, required to be filed with the Commission. The Company represents that any such Issuer Free Writing Prospectus will not include any information that conflicts with the information contained in any such Shelf Registration Statement or
the related Prospectus, and any such Issuer Free Writing Prospectus, when taken together with the information in such Shelf Registration Statement and the related Prospectus, will not include any untrue statement of a material fact or omit to state
any material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading. 
 (d) Underwriting. The Company shall advise all Holders of the lead managing underwriter(s) for the Underwritten Offering proposed under the IPO Registration Statement. The right of any such
Holder’s Registrable Shares to be included in the IPO Registration Statement pursuant to Section 2(b) shall be conditioned upon such Holder’s participation in such underwriting and the inclusion of such Holder’s Registrable
Shares in the underwriting to the extent provided herein. All Holders proposing to distribute their Registrable Shares through such underwriting shall enter into an underwriting agreement in customary form with the managing underwriter(s) selected
for such underwriting and complete and execute any questionnaires, powers of attorney, indemnities, custody agreements, securities escrow agreements and other documents, including opinions of counsel, reasonably required under the terms of such
underwriting, and furnish to the Company such information as the Company may reasonably request in writing for inclusion in the Registration Statement relating to such Underwritten Offering; provided, however, that no Holder shall be
required to make any representations or warranties to or agreements with the Company or the underwriters other than representations, warranties or agreements (1) regarding such Holder and such Holder’s intended method of distribution,
(2) required by law or (3) reasonably requested by the underwriters. Notwithstanding any other provision of this Agreement, if the managing underwriter(s) determine(s) in good faith that marketing factors require a limitation on the number
of shares to be included in the initial public offering, then the managing underwriter(s) may exclude shares (including Registrable Shares) from the IPO Registration Statement and Underwritten Offering, and any shares included in such IPO
Registration Statement and Underwritten Offering shall be allocated first, to the Company, and second, to each of the Holders requesting inclusion of their Registrable Shares in such IPO Registration Statement and to Stonegate Holdings
to the extent it has requested inclusion of any of its shares of Common Stock in such IPO Registration Statement (on a pro rata basis based on the total number of Registrable Shares then held by each such Holder requesting inclusion and the
total number of shares of Common Stock then held by Stonegate Holdings requested for inclusion); provided, however, that the number of Registrable Shares to be included in the IPO Registration Statement shall not be reduced unless all
other securities of the Company held by (i) officers, directors (with respect to the direct holdings of such director and not with respect to beneficial ownership as a result of ownership by an employer or affiliate), other employees of the
Company and consultants and (ii) any other holders of the Company’s capital stock with registration rights that are inferior (with respect to such reduction) to the registration rights of the Holders set forth herein (it being
understood that the rights of Stonegate Holdings with respect to any such reduction shall be pari passu with, and not inferior to, the rights of the holders of Registrable Shares hereunder), are first entirely

  
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excluded from the underwriting and registration; provided, further, however, that Holders of Registrable Shares and Stonegate Holdings shall be permitted to include
Registrable Shares (including any shares of Common Stock included at the request of Stonegate Holdings) comprising at least 25% of the total securities included in the Underwritten Offering proposed under the IPO Registration Statement. 

By electing to include the Registrable Shares in the IPO Registration Statement, the Holder of such Registrable Shares shall be deemed to
have agreed not to effect any public sale or distribution of securities of the Company of the same or similar class or classes of the securities included in the IPO Registration Statement or any securities convertible into or exchangeable or
exercisable for such securities, including a sale pursuant to Rule 144 or Rule 144A under the Securities Act, during such periods as reasonably requested (but in no event for a period longer than 30 days prior to and 180 days
following the effective date of the IPO Registration Statement) by the lead managing underwriter(s), if an Underwritten Offering, or by the Company in any other registration. 
 If any Holder disapproves of the terms of any such underwriting, such Holder may elect to withdraw therefrom by written notice to the Company and the managing underwriter(s), delivered prior to the
earlier to occur of (1) three Business Days prior to the commencement of the road show for such underwritten offering and (2) 10 Business Days prior to the effective date of the IPO Registration Statement. Any Registrable Shares
excluded or withdrawn from such underwriting shall be excluded and withdrawn from the registration. 
 (e) Expenses. The
Company shall pay all Registration Expenses in connection with the registration of the Registrable Shares pursuant to this Agreement. Each Holder participating in a registration pursuant to this Section 2 shall bear such Holder’s
proportionate share (based on the total number of Registrable Shares sold in such registration) of all discounts and commissions payable to underwriters or brokers and all transfer taxes and transfer fees in connection with a registration of
Registrable Shares pursuant to this Agreement. 
 (f) Penalty Provisions. If the Company does not confidentially submit
or file a Shelf Registration Statement by September 12, 2013, other than as a result of the Commission being unable to accept such filings (a “Registration Default”), then James Cutillo, if employed by the Company and at any
time owed an annual and/or discretionary bonus with respect to services performed in 2013, whether under an employment agreement with the Company, a bonus plan or any other bonus arrangement, including any bonus compensation for which payment would
otherwise be deferred until after that fiscal year, shall forfeit 50% of the amount that would otherwise be payable to him in respect of such bonus, and shall thereafter forfeit an additional 10% of the amount that would otherwise be payable to him
in respect of such bonus for each complete calendar month any such Registration Default continues after September 12, 2013, until a Shelf Registration Statement is filed. The Company acknowledges and agrees that that no bonuses, compensation,
awards, equity compensation or other amounts shall be payable or granted in lieu of or to make Mr. Cutillo whole for any such forfeited bonus. 

  
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 (g) JOBS ACT Submissions. For purposes of this Agreement, if the Company elects to
confidentially submit a draft of a Shelf Registration Statement with the Commission pursuant to the JOBS Act, the initial confidential submission of the draft Shelf Registration Statement with the Commission shall be deemed to be a filing with the
Commission for purposes of this Section 2 and the date on which the Company makes such confidential submission will be deemed to be the date of the initial filing of such Shelf Registration Statement. 

 

	3.	Special Election Meeting. 

 (a) If either (i) a Shelf Registration Statement or IPO Registration Statement has not been declared effective by the Commission by June 30, 2014 (the “First Trigger Date”), or
(ii) if the Company has completed an initial public offering pursuant to an IPO Registration Statement prior to the First Trigger Date but has not caused a Shelf Registration Statement to be declared effective by the Commission by the 75th day
after the closing date of an initial public offering by the Company pursuant to an IPO registration Statement (the “Second Trigger Date”), provided that if such 75th day falls between February 12, 2014 and the date that the
Company’s Annual Report on Form 10-K for the 2013 fiscal year is required to be filed with the Commission under the Exchange Act, the Second Trigger Date will be extended until five days after the Company files such Annual Report on Form 10-K
with the Commission, and in either case the Company has received timely notice of at least three nominations in compliance with Section 3(c) and Section 3(d) hereof, the Company shall call a special meeting of stockholders (the
“Special Election Meeting”) in accordance with Article VI of the Code of Regulations of the Company. The Special Election Meeting shall occur as soon as reasonably practicable following the First Trigger Date or the Second Trigger
Date, as applicable, and the receipt by the Company of the timely notice of at least three nominations in compliance with Section 3(c) and Section 3(d) hereof, but, in any event, if the Company is obligated hereunder to call a Special
Election Meeting, such meeting shall occur no later than 60 days after the Company has received timely notice of at least three nominations in compliance with Section 3(c) and Section 3(d) hereof. 

(b) Purposes of Meeting. The Special Election Meeting shall be called solely for the purposes of considering and voting upon
proposals to (i) expand the size of the Board of Directors of the Company (the “Board of Directors”) by three, thereby creating three vacancies on the Board of Directors of the Company, such vacancies to be distributed between
the existing classes of directors as evenly as possible, and (ii) electing three new directors to fill such three vacancies on the Board of Directors. 
 (c) Nominations. Nominations of the three individuals for election to the Board of Directors at the Special Election Meeting may only be made upon receipt by the Company of written notice of
Holders entitled to cast, or direct the casting of, not less than 20% of the Registrable Shares (excluding any shares held by officers, directors or affiliates of the Company or by Stonegate Holdings or its successors, assign or affiliates), which
notice, to be effective, shall identify the Nominees (as defined below) and include the information, consents and resignations required under Section 3(d) hereof, in addition to any other information required by the Company’s Code of
Regulations; provided, however, that each Nominee will be subject to 

  
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approval by the Nominating and Corporate Governance Committee, or in the absence thereof by the Board of Directors, which approval may only be withheld by such committee or the Board of Directors
if the Nominee is not “independent” (as defined in Rule 303A in the New York Stock Exchange Listed Company Manual and any other national securities exchange on which the Company’s securities are then listed) and does not satisfy the
basic requirements of financial literacy and integrity established for directors generally by the Nominating and Corporate Governance Committee or the Board of Directors. Each individual whose nomination is made in accordance with this
Section 3(c) is hereinafter referred to as a “Nominee.” In accordance with the requirements of the Voting Agreement: (1) Stonegate Holdings shall not be entitled to nominate any director nominees at the Special Election Meeting,
(2) any Voting Shares of the Company held by Stonegate Holdings will be counted as present for quorum purposes at the Special Election Meeting, (3) Stonegate Holdings shall be required to vote all its Voting Shares FOR the proposal to
expand the size of the Board of Directors by three at the Special Election Meeting, (4) if the Special Election Meeting occurs as a result of the occurrence of the First Trigger Date under Section 3(a)(i) hereof, Stonegate Holdings shall
have the right either to vote all of its Voting Shares FOR the election of the three Nominees or to withhold its vote with respect to the election of the Nominees, and (5) if the Special Election Meeting occurs as a result of the occurrence of
the Second Trigger Date under Section 3(a)(ii) hereof, Stonegate Holdings shall be required to vote all of its Voting Shares FOR the election of the three Nominees. In no event will Stonegate have the right to vote its Voting Shares against the
election of the Nominees at a Special Election Meeting. 
 (d) Procedure for Stockholder
Nominations. As a condition for the Company being obligated to call the Special Election Meeting and as a condition for nominations of individuals for election to the Board of Directors to be properly brought before the Special Election Meeting
by Holders pursuant to Section 3(c) hereof, the Holders must have given notice thereof in writing to the Secretary of the Company not later than 5:00 p.m., Eastern Time, on the 10th day after the First Trigger Date or the Second Trigger Date, as applicable. Such notice shall (1) include each
proposed Nominee’s written consent to serve as a director, if elected, (2) include a resignation by each proposed Nominee that will automatically be effective upon the effectiveness of a Shelf Registration Statement, and (3) shall
specify, in addition to any information required by the Company’s Code of Regulations: 
 (i) as to each
proposed Nominee, the name, age, business address and residence address of such proposed Nominee and all other information relating to such proposed Nominee that would be required, pursuant to Regulation 14A promulgated under the Exchange Act (or
any successor provision), to be disclosed in a contested solicitation of proxies with respect to the election of such individual as a director; and 
 (ii) as to each Holder giving the notice, the class, series and number of all shares of beneficial interest of the Company that are owned by such Holder, beneficially or of record. 

  
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 (e) Notice. The Secretary of the Company shall give to each stockholder entitled to
vote at, or to receive notice of, such meeting at such stockholder’s address as it appears in the share transfer records of the Company, notice in writing in accordance with applicable law and the Company’s Code of Regulation setting forth
(i) the time and place of the Special Election Meeting, (ii) the purposes for which the Special Election Meeting has been called and (iii) the name of each Nominee. 

(f) Waiver or Deferral of Special Election Meeting. The Holders of at least 75% of the Registrable Shares (excluding any
shares held by officers, directors or affiliates of the Company or by Stonegate Holdings or its successors, assign or affiliates) shall have the right to consent to a waiver or deferral of a Special Election Meeting.

 

	4.	Rules 144 and 144A Reporting 

 With a view to making available the benefits of certain rules and regulations of the Commission that may at any time permit the sale of the Registrable Shares to the public without registration, the
Company agrees to use commercially reasonable efforts to: 
 (a) make and keep current public information available, as those
terms are understood and defined in Rule 144 under the Securities Act, at all times after the effective date of the first registration statement under the Securities Act filed by the Company for an offering of its securities to the general
public; 
 (b) to file with the Commission in a timely manner all reports and other documents required to be filed by the
Company under the Securities Act and the Exchange Act (at any time after it has become subject to such reporting requirements); 

(c) so long as a Holder owns any Registrable Shares, if the Company is not required to file reports and other documents under the
Securities Act and the Exchange Act, it will make available other information as required by, and so long as necessary to permit sales of Registrable Shares pursuant to, Rule 144 or Rule 144A, and in any event shall make available (either
by mailing a copy thereof to an address provided by such Holder to the Company, by posting on the Company’s website, by including in a Registration Statement filed by the Company with the Commission, by press release or otherwise) to each
Holder a copy of: 
 (i) the Company’s annual financial statements (including at least balance sheets,
statements of operations, statements of changes in stockholders’ equity and statements of cash flows) prepared in accordance with U.S. generally accepted accounting principles in the United States, accompanied by an audit report of the
Company’s independent accountants, no later than 90 days after the end of each fiscal year of the Company; and 
 (ii) the Company’s unaudited quarterly financial statements (including at least balance sheets, statements of operations and statements of cash flows) prepared in a manner consistent with the
preparation of the Company’s annual financial statements, no later than 45 days after the end of each of the first three fiscal quarters of the Company, other than the quarterly financial statements for the period ended June 30, 2013,
which shall be available no later than August 31, 2013; 

  
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 (d) if the Company is not required to file reports and other documents under the Securities
Act and the Exchange Act, the Company shall hold, a reasonable time after the availability of the financial statements described in clause (c) above and upon reasonable notice to the Holders and FBR (either by mail, by posting on the
Company’s website, or by press release), a quarterly investor conference call to discuss such financial statements, which call will also include an opportunity for the Holders to ask questions of management with regard to such financial
statements, and will also reasonably cooperate with, and make management reasonably available to, FBR personnel in connection with making Company information available to investors; provided, that (1) during any period when the Company
has on file or within 30 days thereafter intends to file a Registration Statement with the Commission which has not yet been declared effective or which relates to a proposed initial public offering that has not yet been completed, the Company shall
not be required to present information during such investor conference that is different than information contained in such Registration Statement and (2) during any period between when the Company has confidentially submitted a draft
Registration Statement and such draft Registration Statement has not been declared effective or during which the Company intends to confidentially submit or file a Registration Statement within the next 30 days, any obligations under this
Section 4(d) shall be limited to the extent necessary to ensure compliance with applicable quiet period restrictions until such Registration Statement is filed or the intention to file such Registration Statement has been abandoned; and

 (e) so long as a Holder owns any Registrable Shares, to furnish to the Holder promptly upon reasonable request (i) a
written statement by the Company as to its compliance with the reporting requirements of Rule 144 (at any time after 90 days after the effective date of the first Registration Statement filed by the Company for an offering of its
securities to the general public), (ii) a copy of the most recent annual or quarterly report of the Company, and (iii) such other reports and documents of the Company, and take such further actions, as a Holder may reasonably request in
availing itself of any rule or regulation of the Commission allowing a Holder to sell any such Registrable Shares without registration. 
  

	5.	Registration Procedures 

 In connection with the obligations of the Company with respect to a Shelf Registration Statement pursuant to this Agreement, the Company shall use its commercially reasonable efforts to effect or cause to
be effected the registration of the Registrable Shares under the Securities Act to permit the sale of such Registrable Shares by the Holder or Holders in accordance with the Holder’s or Holders’ intended method or methods of distribution,
and the Company shall: 
 (a) notify FBR and Selling Holders’ Counsel, in writing, at least three Business Days prior
to filing a Shelf Registration Statement, of its intention to file a Shelf Registration Statement with the Commission and, at least two Business Days prior to such filing, provide a copy of a draft of the Shelf Registration Statement to FBR and
Selling Holders’ Counsel for review and comment; prepare and file with the Commission, as specified in this Agreement, a 

  
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Shelf Registration Statement, which Shelf Registration Statement shall comply as to form in all material respects with the requirements of the Securities Act and the applicable form and include
all financial statements required by the Commission to be filed therewith; notify FBR and Selling Holders’ Counsel in writing, as soon as reasonably practicable prior to filing of any amendment or supplement to such Shelf Registration Statement
and, as soon as reasonably practicable prior to filing, provide a copy of such amendment or supplement to FBR and Selling Holders’ Counsel for review and comment; promptly following receipt from the Commission, provide to FBR and Selling
Holders’ Counsel copies of any comments made by the staff of the Commission relating to such Shelf Registration Statement and of the Company’s responses thereto for review and comment; and use its commercially reasonable efforts to cause
such Shelf Registration Statement to become effective as soon as practicable after filing and to remain effective, subject to Section 6 hereof, until the earliest of (i) such time as all Registrable Shares covered thereby have been sold in
accordance with the intended distribution of such Registrable Shares, (ii) there are no Registrable Shares outstanding or (iii) the first anniversary of the effective date of such Shelf Registration Statement (subject to extension as
provided in Section 6(c) hereof and the condition that the Registrable Shares have been transferred to an unrestricted CUSIP, are listed or included on the New York Stock Exchange or the Nasdaq Global Market, pursuant to Section 5(n) of
this Agreement, or on an alternative trading system with the Registrable Shares qualified under the applicable state securities or “blue sky” laws of all 50 states); provided, however, that if the Company has an effective
Shelf Registration Statement on Form S-1 (or other form then available to the Company) under the Securities Act and becomes eligible to use Form S-3 or such other short-form registration statement form under the Securities Act, the Company
may, upon ten Business Days prior written notice to all Holders, register any Registrable Shares registered but not yet distributed under the effective Shelf Registration Statement on such a short-form Shelf Registration Statement and, once the
short-form Shelf Registration Statement is declared effective, de-register such shares under the previous Registration Statement or transfer the filing fees from the previous Registration Statement (such transfer pursuant to Rule 429, if
applicable) unless any Holder registered under the initial Shelf Registration Statement notifies the Company within five Business Days of receipt of the Company notice that such a registration under a new Shelf Registration Statement and
de-registration of the initial Shelf Registration Statement would materially interfere with its distribution of Registrable Shares already in progress, in which case, the Company shall delay the effectiveness of the short-form Registration Statement
and termination of the then-effective initial Shelf Registration Statement or any short-form Registration Statement for a period of not less than 30 days from the date that the Company receives the notice from such Holders requesting a delay;

 (b) subject to Section 5(i) hereof, (i) prepare and file with the Commission such amendments and post-effective
amendments to each such Shelf Registration Statement as may be necessary to keep such Shelf Registration Statement effective for the period described in Section 5(a) hereof; (ii) cause each Prospectus contained therein to be supplemented
by any required Prospectus supplement, and as so supplemented to be filed pursuant to Rule 424; and (iii) comply with the provisions of the Securities Act with respect to the disposition of all securities covered by each Shelf Registration
Statement during the applicable period in accordance with the intended method or methods of distribution by the selling Holders thereof; 

  
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 (c) furnish to the Holders, without charge, as many copies of each Prospectus, including
each preliminary Prospectus, and any amendment or supplement thereto and such other documents as such Holder may reasonably request, in order to facilitate the public sale or other disposition of the Registrable Shares; the Company consents, subject
to Section 6 hereof, to the use of such Prospectus, including each preliminary Prospectus, by the Holders, if any, in connection with the offering and sale of the Registrable Shares covered by any such Prospectus; 

(d) use its commercially reasonable efforts to register or qualify, or obtain exemption from registration or qualification for, all
Registrable Shares by the time the applicable Registration Statement is declared effective by the Commission under all applicable state securities or “blue sky” laws of such jurisdictions as FBR or any Holder of Registrable Shares covered
by a Registration Statement shall reasonably request in writing, keep each such registration or qualification or exemption effective during the period such Registration Statement is required to be kept effective pursuant to Section 5(a) and do
any and all other acts and things that may be reasonably necessary or advisable to enable such Holder to consummate the disposition in each such jurisdiction of such Registrable Shares owned by such Holder; provided, however, that the Company
shall not be required to (i) qualify generally to do business in any jurisdiction or to register as a broker or dealer in such jurisdiction where it would not otherwise be required to qualify but for this Section 5(d) and except as may be
required by the Securities Act, (ii) subject itself to taxation in any such jurisdiction, or (iii) submit to the general service of process in any such jurisdiction; 
 (e) subject to the ownership restrictions included in the Company’s Articles of Incorporation, use its commercially reasonable efforts to cause all Registrable Shares covered by such Shelf
Registration Statement to be registered and approved by such other governmental agencies or authorities as may be necessary to enable the Holders thereof to consummate the disposition of such Registrable Shares; 

(f) notify FBR and each Holder promptly and, if requested by FBR or any Holder, confirm such advice in writing (1) when a Shelf
Registration Statement has become effective and when any post-effective amendments and supplements thereto become effective, (2) of the issuance by the Commission or any state securities authority of any stop order suspending the effectiveness
of a Shelf Registration Statement or the initiation of any Proceeding for that purpose, (3) of any request by the Commission or any other federal, state or foreign governmental authority for (A) amendments or supplements to a Shelf
Registration Statement or related Prospectus or (B) additional information and (4) of the happening of any event during the period a Shelf Registration Statement is effective as a result of which such Shelf Registration Statement or the
related Prospectus or any document incorporated by reference therein contains any untrue statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the
circumstances under which they were made, not misleading (which information shall be accompanied by an instruction to suspend the use of the Prospectus until the requisite changes have been made) and (5) at the request of any such Holder,
subject to Section 6 hereof, promptly to furnish to such Holder a reasonable number of copies of a supplement to or an amendment of such Prospectus as may be necessary so that, as thereafter delivered to the purchaser of such securities, such
Prospectus shall not include an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not
misleading; 

  
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 (g) use its commercially reasonable efforts to avoid the issuance of, or if issued, to
obtain the withdrawal of, any order enjoining or suspending the use or effectiveness of a Shelf Registration Statement or suspending the qualification of (or exemption from qualification of) any of the Registrable Shares for sale in any
jurisdiction, as promptly as practicable; 
 (h) except as provided in Section 6 hereof, upon the occurrence of any event
contemplated by Section 5(f)(4) hereof, use its commercially reasonable efforts to promptly prepare a supplement or post-effective amendment to a Shelf Registration Statement or the related Prospectus or any document incorporated therein by
reference or file any other required document so that, as thereafter delivered to the purchasers of the Registrable Shares, such Prospectus will not contain any untrue statement of a material fact or omit to state a material fact required to be
stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; 
 (i) in the case of an Underwritten Offering, if reasonably requested by the representative of the underwriters or any Holders of Registrable Shares being sold in connection with such offering,
(i) promptly incorporate in a Prospectus supplement or post-effective amendment such information as the representative of the underwriters, if any, or such Holders indicate relates to them or that they reasonably request be included therein and
(ii) make all required filings of such Prospectus supplement or such post-effective amendment as soon as reasonably practicable after the Company has received notification of the matters to be incorporated in such Prospectus supplement or
post-effective amendment; 
 (j) in the case of an Underwritten Offering, use its commercially reasonable efforts to furnish to
the underwriters: (i) an opinion of counsel for the Company, addressed to the underwriters, dated the date of each closing under the underwriting agreement, covering customary matters, reasonably satisfactory to such Holder and the underwriters
and such counsel; and (ii) a “comfort” letter, addressed to the underwriters and the Board of Directors, dated the effective date of such Registration Statement and the date of each closing under the underwriting agreement, signed by
the independent public accountants who have certified the Company’s financial statements included in such Registration Statement, covering substantially the same matters with respect to such Shelf Registration Statement (and the Prospectus
included therein) and with respect to events subsequent to the date of such financial statements, as are customarily covered in accountants’ letters delivered to underwriters in underwritten public offerings of securities; 

(k) enter into customary agreements (including in the case of an Underwritten Offering, an underwriting agreement in customary form and
reasonably satisfactory to the Company) and take all other reasonable action in connection therewith in order to expedite or facilitate the distribution of the Registrable Shares included in such Shelf Registration Statement and, in the case of an
Underwritten Offering, make representations and warranties to the Holders covered by such Shelf Registration Statement and to the underwriters in such form and scope as are customarily made by issuers to underwriters in underwritten offerings and
confirm the same to the extent customary if and when requested; 

  
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 (l) make available for inspection during normal business hours upon reasonable request by
representatives of the Holders and the representative of any underwriters participating in any disposition pursuant to a Shelf Registration Statement and any special counsel or accountants retained by such Holders or underwriters, such financial and
other records, pertinent corporate documents and properties of the Company as are reasonable in the context of such offering, and cause the respective officers, directors and employees of the Company to supply all information reasonably requested by
any such representatives, the representative of the underwriters, counsel thereto or accountants in connection with a Shelf Registration Statement; provided, however, that such records, documents or information that the Company determines, in
good faith, to be confidential and notifies such representatives, representative of the underwriters, counsel thereto or accountants are confidential shall not be disclosed by such representatives, representative of the underwriters, counsel thereto
or accountants unless (i) the disclosure of such records, documents or information is necessary to avoid or correct a misstatement or omission in a Shelf Registration Statement or Prospectus, (ii) the release of such records, documents or
information is ordered pursuant to a subpoena or other order from a court of competent jurisdiction, or (iii) such records, documents or information have been generally made available to the public; provided, however, that
the representatives of the Holders and any underwriters will use commercially reasonable efforts, to the extent practicable, to coordinate the foregoing inspection and information gathering and not materially disrupt the Company’s business
operations; provided, further, that, notwithstanding anything to the contrary in this Agreement, the Company shall not be required to provide any confidential information to any Person without such Person’s prior written agreement
to keep such information confidential; 
 (m) use its commercially reasonable efforts (including, without limitation, seeking to
cure any deficiencies cited by the exchange or market in the Company’s listing or inclusion application) to list or include all Registrable Shares on the New York Stock Exchange or the Nasdaq Global Market or a similar national exchange on
which shares of the Common Stock are listed; 
 (n) prepare and file in a timely manner all documents and reports required by
the Exchange Act and, to the extent the Company’s obligation to file such reports pursuant to Section 15(d) of the Exchange Act expires prior to the expiration of the effectiveness period of the Shelf Registration Statement as required by
Section 5(a) hereof, the Company shall register the Registrable Shares under the Exchange Act and shall maintain such registration through the effectiveness period required by Section 5(a) hereof; 

(o) provide a CUSIP number for all Registrable Shares, not later than the effective date of the Shelf Registration Statement; 

  
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 (p) (i) otherwise use its commercially reasonable efforts to comply with all
applicable rules and regulations of the Commission, (ii) make generally available to its stockholders, as soon as reasonably practicable, earnings statements covering at least 12 months beginning after the effective date of the Shelf
Registration Statement that satisfy the provisions of Section 11(a) of the Securities Act and Rule 158, but in no event later than 90 days after the end of each fiscal year of the Company and (iii) not file any Shelf Registration
Statement or Prospectus or amendment or supplement to such Shelf Registration Statement or Prospectus to which any Holder of Registrable Shares covered by any such Shelf Registration Statement shall have reasonably objected on the grounds that such
Shelf Registration Statement or Prospectus or amendment or supplement does not comply in all material respects with the requirements of the Securities Act; 
 (q) provide and cause to be maintained a registrar and transfer agent for all Registrable Shares covered by any Shelf Registration Statement from and after a date not later than the effective date of such
Shelf Registration Statement; 
 (r) in connection with any sale or transfer of the Registrable Shares (whether or not pursuant
to a Registration Statement) that will result in the securities being delivered no longer being Registrable Shares, cooperate with the Holders and the representative of the underwriters, if any, to facilitate the timely preparation and delivery of
certificates representing the Registrable Shares to be sold, which certificates shall not bear any restrictive transfer legends (other than as required by the Company’s Amended and Restated Articles of Incorporation, as amended) and to enable
such Registrable Shares to be in such denominations and registered in such names as the representative of the underwriters, if any, or the Holders may request at least three Business Days prior to any sale of the Registrable Shares; 

(s) in connection with the initial filing of a Shelf Registration Statement and each amendment thereto with the Commission pursuant to
Section 2(a) hereof, cooperate with FBR in connection with the filing with FINRA of all forms and information required or requested by FINRA in order to obtain written confirmation from FINRA that FINRA does not object to the fairness and
reasonableness of the underwriting terms and arrangements (or any deemed underwriting terms and arrangements) (each such written confirmation, a “No Objections Letter”) relating to the resale of Registrable Shares pursuant to the
Shelf Registration Statement, including, without limitation, information provided to FINRA through its COBRADesk system, and pay all actual costs, fees and expenses incident to FINRA’s review of the Shelf Registration Statement and the related
underwriting terms and arrangements, including, without limitation, all filing fees associated with any filings or submissions to FINRA and the legal expenses, filing fees and other disbursements of FBR and any other FINRA member that is the Holder
of, or is affiliated or associated with an owner of, Registrable Shares included in the Shelf Registration Statement (including in connection with any initial or subsequent member filing); 

(t) in connection with the initial filing of a Shelf Registration Statement and each amendment thereto with the Commission pursuant to
Section 2(a) hereof, provide to FBR and its representatives, upon reasonable notice, the reasonable opportunity to conduct customary due diligence, including, without limitation, an inquiry of the Company’s financial and other records, and
make reasonably available members of its management for questions regarding information which FBR may request in order to fulfill any due diligence obligation on its part; 

  
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 (u) upon effectiveness of the first Shelf Registration Statement filed under this Agreement,
take such actions and make such filings as are necessary to effect the registration of the Common Stock under the Exchange Act simultaneously with or immediately following the effectiveness of the Shelf Registration Statement; and 

(v) in the case of an Underwritten Offering, use its commercially reasonable efforts to cooperate and assist in any filings required to
be made with FINRA and in the performance of any due diligence investigation by any underwriter and its counsel (including any “qualified independent underwriter,” if applicable) that is required to be retained in accordance with the rules
and regulations of FINRA. 
 The Company may require the Holders to furnish (and each Holder shall furnish) to the Company such
information regarding the proposed distribution by such Holder of such Registrable Shares as the Company may from time to time reasonably request in writing or as shall be required to effect the registration of the Registrable Shares, and no Holder
shall be entitled to be named as a selling stockholder in any Registration Statement and no Holder shall be entitled to use the Prospectus forming a part thereof if such Holder does not provide such information to the Company. Any Holder that sells
Registrable Shares pursuant to a Registration Statement or as a selling security holder pursuant to an Underwritten Offering shall be required to be named as a selling stockholder in the related prospectus and to deliver a prospectus to purchasers.
Each Holder further agrees to furnish promptly to the Company in writing all information required from time to time to make the information previously furnished by such Holder not misleading. 

Each Holder agrees that, upon receipt of any notice from the Company of the happening of any event of the kind described in
Section 5(f)(3) or 5(f)(4) hereof, such Holder will immediately discontinue disposition of Registrable Shares pursuant to a Registration Statement until such Holder’s receipt of the copies of the supplemented or amended Prospectus or the
Company has otherwise notified such Holder that the disposition of Registrable Shares may be resumed. If so directed by the Company, such Holder will deliver to the Company (at the expense of the Company) all copies in its possession, other than
permanent file copies then in such Holder’s possession, of the Prospectus covering such Registrable Shares current at the time of receipt of such notice. 
 (w) Notwithstanding any other provision of this Agreement, if the Commission or any rules, regulations or guidance thereof sets forth a limitation of the number of Registrable Shares or other shares of
Common Stock permitted to be registered on a particular Shelf Registration Statement (and notwithstanding that the Company used diligent efforts to advocate with the Commission for the registration of all or a greater number of Registrable Shares),
the number of Registrable Shares or other shares of Common Stock to be registered on such Shelf Registration Statement will be reduced as follows: first, the Company shall reduce or eliminate the shares of Common Stock to be included by any Person
other than a Holder; second, the Company shall reduce or eliminate any shares of Common Stock to be included by the Company; and third, the Company shall reduce the number of Registrable Shares to be included by all other Holders on a

  
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pro rata basis based on the total number of unregistered Registrable Shares held by such Holders, subject to a determination by the Commission that certain Holders must be reduced before other
Holders based on the number of Registrable Shares held by such Holders. In the event the Company amends the Shelf Registration Statement or files a Shelf Registration Statement, the Company will use its commercially reasonable efforts to file with
the Commission, as promptly as allowed by Commission any rules, regulations or guidance thereof, one or more Shelf Registration Statements to register for resale those Registrable Shares that were not registered for resale on the Shelf Registration
Statement. 
  

	6.	Black-Out Period 

 (a) Subject to the provisions of this Section 6 and a good faith determination by the Company that it is in the best interests of the Company to suspend the use of a Registration Statement, following
the effectiveness of a Registration Statement (and the filings with any international, federal or state securities commissions), the Company, by written notice to FBR and the Holders, may direct the Holders to suspend sales of the Registrable Shares
pursuant to a Registration Statement for such times as the Company reasonably may determine is necessary and advisable (but, other than as necessary to comply with a customary lockup applicable to the Company in connection with an Underwritten
Offering of its securities, in no event for more than an aggregate of 90 days in any rolling 12 month period commencing on the Closing Date), if any of the following events shall occur: (i) the lead managing underwriter(s) of an
Underwritten Offering have advised the Company that the sale of Registrable Shares pursuant to the Registration Statement should be suspended in connection with such Underwritten Offering; (ii) the Company shall have determined in good faith
that (A) the offer or sale of any Registrable Shares would materially impede, delay or interfere with any proposed financing, offer or sale of securities, acquisition, merger, tender offer, business combination, corporate reorganization or
other significant transaction involving the Company, (B) after the advice of counsel, the sale of Registrable Shares pursuant to the Registration Statement would require disclosure of non-public material information not otherwise required to be
disclosed under applicable law, and (C) either (x) the Company has a bona fide business purpose for preserving the confidentiality of such transaction, (y) disclosure would have a material adverse effect on the Company or the
Company’s ability to consummate such transaction, or (z) the disclosure would render the Company unable to comply with Commission requirements, in each case under circumstances that would make it impractical or inadvisable to cause the
Registration Statement (or such filings) to become effective or to promptly amend or supplement the Registration Statement on a post-effective basis, as applicable; or (iii) the Company shall have determined in good faith, after the advice of
counsel, that it is required by law, rule or regulation or that it is in the best interests of the Company to supplement the Registration Statement or file a post-effective amendment to the Registration Statement in order to incorporate information
into the Registration Statement for the purpose of (1) including in the Registration Statement any prospectus required under Section 10(a)(3) of the Securities Act; (2) reflecting in the prospectus included in the Registration
Statement any facts or events arising after the effective date of the Registration Statement (or of the most recent post-effective amendment) that, individually or in the aggregate, represent a fundamental change in the information set forth
therein; or (3) including in the prospectus included in the Registration Statement any material information with respect to the plan of 

  
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distribution not disclosed in the Registration Statement or any material change to such information. Upon the occurrence of any such suspension, the Company shall use its commercially reasonable
efforts to cause the Registration Statement to become effective or to promptly amend or supplement the Registration Statement on a post-effective basis or to take such action as is necessary to make resumed use of the Registration Statement
compatible with the Company’s best interests, as applicable, so as to permit the Holders to resume sales of the Registrable Shares as soon as possible. 
 (b) In the case of an event that causes the Company to suspend the use of a Registration Statement (a “Suspension Event”), the Company shall give written notice (a “Suspension
Notice”) to FBR and the Holders to suspend sales of the Registrable Shares. Such notice shall not be required to state generally the basis for the notice if such basis is confidential. Such suspension shall continue only for so long as the
Suspension Event or its effect is continuing and the Company is using its commercially reasonable efforts and taking all reasonable steps to terminate suspension of the use of the Registration Statement as promptly as reasonably practicable. The
Holders shall not effect any sales of the Registrable Shares pursuant to such Registration Statement (or such filings) at any time after they have received a Suspension Notice from the Company and prior to receipt of an End of Suspension Notice (as
defined below). If so directed by the Company, each Holder will deliver to the Company (at the expense of the Company) all copies other than permanent file copies then in such Holder’s possession of the Prospectus covering the Registrable
Shares at the time of receipt of the Suspension Notice. The Holders may recommence effecting sales of the Registrable Shares pursuant to the Registration Statement (or such filings) following further notice to such effect (an “End of
Suspension Notice”) from the Company, which End of Suspension Notice shall be given by the Company to the Holders and FBR in the manner described above promptly following the conclusion of any Suspension Event and its effect. 

(c) Notwithstanding any provision herein to the contrary, if the Company shall give a Suspension Notice pursuant to this Section 6,
the Company agrees that it shall extend the period of time during which the applicable Registration Statement shall be maintained effective pursuant to this Agreement by the number of days during the period from the date of receipt by the Holders of
the Suspension Notice to and including the date of receipt by the Holders of the End of Suspension Notice and provide copies of the supplemented or amended Prospectus necessary to resume sales. 

 

	7.	Indemnification and Contribution 

 (a) The Company agrees to indemnify and hold harmless (i) each Holder of Registrable Shares and any underwriter (as determined in the Securities Act) for such Holder (including, if applicable, FBR),
(ii) each Person, if any, who controls (within the meaning of Section 15 of the Securities Act or Section 20(a) of the Exchange Act) any such Person described in clause (i) (any of the Persons referred to in this clause (ii)
being hereinafter referred to as a “Controlling Person”), and (iii) the respective officers, directors, partners, members, representatives and agents of any such Person or any Controlling Person (any Person referred to in
clause (i), (ii) or (iii) above may hereinafter be referred to as a “Purchaser Indemnitee”), to 

  
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the fullest extent lawful, from and against any and all losses, claims, damages, judgments, actions, out-of-pocket expenses, and other liabilities (the “Liabilities”), including
without limitation and as incurred, reimbursement of all reasonable and documented costs of investigating, preparing, pursuing or defending any claim or action, or any investigation or Proceeding by any governmental agency or body, commenced or
threatened, including the reasonable and documented fees and expenses of counsel to any Purchaser Indemnitee, joint or several, directly or indirectly related to, based upon, arising out of or in connection with any untrue statement or alleged
untrue statement of a material fact contained in any Registration Statement (or any amendment thereto), any Prospectus (or any amendment or supplement thereto) or any Issuer Free Writing Prospectus (or any amendment or supplement thereto), or any
preliminary Prospectus, or any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading,
except insofar as such Liabilities arise out of or are based upon any untrue statement or omission or alleged untrue statement or omission made in reliance upon and in conformity with information relating to any Purchaser Indemnitee furnished to the
Company, or any underwriter in writing by such Purchaser Indemnitee expressly for use therein. The Company shall notify FBR and the Holders promptly of the institution, threat or assertion of any claim, Proceeding (including any governmental
investigation that is not confidential), or litigation of which it shall have become aware in connection with the matters addressed by this Agreement which involves the Company or a Purchaser Indemnitee. The indemnity provided for herein shall
remain in full force and effect regardless of any investigation made by or on behalf of any Purchaser Indemnitee. 
 (b) In
connection with any Registration Statement in which a Holder of Registrable Shares is participating, and as a condition to such participation, such Holder agrees, severally and not jointly, to indemnify and hold harmless the Company and its
officers, directors, employees, representatives and agents and each Person who controls the Company within the meaning of Section 15 of the Securities Act or Section 20(a) of the Exchange Act and their respective officers, directors,
partners, members, employees, representatives and agents of such Person or Controlling Person to the same extent as the foregoing indemnity from the Company to each Purchaser Indemnitee, but only with reference to untrue statements or omissions or
alleged untrue statements or omissions made in reliance upon and in conformity with information relating to such Holder furnished to the Company in writing by such Holder expressly for use in such Registration Statement (or any amendment thereto),
Prospectus (or any amendment or supplement thereto), Issuer Free Writing Prospectus (or any amendment or supplement thereto) or any preliminary Prospectus or any Liabilities arising out of or based upon sales of Registrable Shares made by such
Holder who has received notice of the suspension prior to such sale in violation of Section 6(b). Absent gross negligence or willful misconduct, the liability of any Holder pursuant to this paragraph shall in no event exceed the net proceeds
received by such Holder from sales of Registrable Shares pursuant to such Registration Statement (or any amendment thereto), Prospectus (or any amendment or supplement thereto), Issuer Free Writing Prospectus (or any amendment or supplement thereto)
or any preliminary Prospectus. 

  
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 (c) If any suit, action, Proceeding (including any governmental or regulatory
investigation), claim or demand shall be brought or asserted against any Person in respect of which indemnity may be sought pursuant to paragraph (a) or (b) above, such Person (the “Indemnified Party”) shall promptly
notify the Person against whom such indemnity may be sought (the “Indemnifying Party”) in writing of the commencement thereof (but the failure to so notify an Indemnifying Party shall not relieve it from any liability which it may
have under this Section 7, except to the extent the Indemnifying Party is materially prejudiced by the failure to give notice), and the Indemnifying Party, upon request of the Indemnified Party, shall retain counsel reasonably satisfactory to
the Indemnified Party to represent the Indemnified Party and any others the Indemnifying Party may reasonably designate in such Proceeding and shall pay the reasonable fees and expenses actually incurred by such counsel related to such Proceeding.
Notwithstanding the foregoing, in any such Proceeding, any Indemnified Party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such Indemnified Party, unless (i) the employment
of such counsel shall have been authorized in writing by the Indemnifying Party in connection with the defense of such action, (ii) the Indemnifying Party shall not have employed counsel to have charge of the defense of such action within a
reasonable time or (iii) such Indemnified Party(ies) shall have reasonably concluded (based on the advice of counsel) that counsel selected by the Indemnifying Party has an actual conflict of interest or there are defenses available to the
Indemnified Party(ies) which are different from those available to the Indemnifying Party (in which case the Indemnifying Party shall not have the right to direct the defense of such action on behalf of the Indemnified Party(ies)), in any of which
events such reasonable and documented fees and expenses shall be borne by the Indemnifying Party and paid as incurred (it being understood, however, that the Indemnifying Party shall not be liable for the fees and expenses of more than one separate
firm of counsel (in addition to local counsel) for all Indemnified Party(ies) in any one action or series of related actions in the same jurisdiction representing the Indemnified Parties who are parties to such action), which firm shall be
designated in writing by those Indemnified Parties who sold a majority of the Registrable Shares sold by all such Indemnified Parties and any such separate firm for the Company, the directors, officers, employees, representatives and agents and such
control Persons of the Company as shall be designated in writing by the Company). The Indemnifying Party shall not be liable for any settlement of any Proceeding effected without its written consent. No Indemnifying Party shall, without the prior
written consent of the Indemnified Party, effect any settlement of any pending or threatened Proceeding in respect of which any Indemnified Party is or could have been a party and indemnity could have been sought hereunder by such Indemnified Party,
unless such settlement (i) includes an unconditional release of such Indemnified Party from all liability on claims that are the subject matter of such Proceeding and (ii) does not include a statement as to or an admission of, fault,
culpability or a failure to act by or on behalf of the Indemnified Party. 
 (d) If the indemnification provided for in
paragraphs (a) and (b) of this Section 7 is for any reason held to be unavailable to an Indemnified Party in respect of any Liabilities referred to therein (other than by reason of the exceptions provided therein) or is insufficient
to hold harmless a party indemnified thereunder, then each Indemnifying Party under such paragraphs, in lieu of indemnifying such Indemnified Party thereunder, shall contribute to the amount paid or payable by such Indemnified Party as a result of
such Liabilities in such proportion as is appropriate to reflect the relative benefits of the Indemnified Party on the one hand and the Indemnifying Party(ies) on the other in connection with the statements or omissions

  
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that resulted in such Liabilities and also the relative fault of the Indemnifying Party(ies) and the Indemnified Party, as well as any other relevant equitable considerations. The relative fault
of the Company on the one hand and any Purchaser Indemnitees on the other shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a
material fact relates to information supplied by the Company or by such Purchaser Indemnitees and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. 

(e) The parties agree that it would not be just and equitable if contribution pursuant to this Section 7 were determined by pro
rata allocation (even if such Indemnified Parties were treated as one entity for such purpose), or by any other method of allocation that does not take account of the equitable considerations referred to in Section 7(d) above. The amount
paid or payable by an Indemnified Party as a result of any Liabilities referred to in Section 7(d) above shall be deemed to include, subject to the limitations set forth above, any reasonable legal or other expenses actually incurred by such
Indemnified Party in connection with investigating or defending any such action or claim. Notwithstanding the provisions of this Section 7, in no event shall a Purchaser Indemnitee be required to contribute any amount in excess of the amount by
which the net proceeds received by such Purchaser Indemnitee from sales of Registrable Shares exceeds the amount of any damages that such Purchaser Indemnitee has otherwise been required to pay by reason of such untrue or alleged untrue statement or
omission or alleged omission. For purposes of this Section 7, each Person, if any, who controls (within the meaning of Section 15 of the Securities Act or Section 20(a) of the Exchange Act) FBR or a Holder of Registrable Shares shall
have the same rights to contribution as FBR or such Holder, as the case may be, and each Person, if any, who controls (within the meaning of Section 15 of the Securities Act or Section 20(a) of the Exchange Act) the Company, and each
officer, director, partner, employee, representative, agent or manager of the Company shall have the same rights to contribution as the Company. Any party entitled to contribution will, promptly after receipt of notice of commencement of any action,
suit or Proceeding against such party in respect of which a claim for contribution may be made against another party or parties, notify each party or parties from whom contribution may be sought, but the omission to so notify such party or parties
shall not relieve the party or parties from whom contribution may be sought from any obligation it or they may have under this Section 7 or otherwise, except to the extent that any party is materially prejudiced by the failure to give notice.
No Person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from any Person who was not guilty of such fraudulent misrepresentation. 

(f) The indemnity and contribution agreements contained in this Section 7 will be in addition to any liability which the
Indemnifying Parties may otherwise have to the Indemnified Parties referred to above. The Purchaser Indemnitee’s obligations to contribute pursuant to this Section 7 are several in proportion to the respective number of Registrable Shares
sold by each of the Purchaser Indemnitees hereunder and not joint. 

  
 - 23 -

	8.	Market Stand-off Agreement 

 Each Holder hereby agrees that it shall not, to the extent requested by the Company or the lead managing underwriter(s) of securities of the Company, directly or indirectly sell, offer to sell (including
without limitation any short sale), grant any option or otherwise transfer or dispose of any Registrable Shares or other shares of Common Stock of the Company or any securities convertible into or exchangeable or exercisable for shares of Common
Stock of the Company then owned by such Holder (other than to donees or partners of the Holder who agree to be similarly bound) (i) in the case of all Holders who include Registrable Shares in the IPO Registration Statement, beginning 30 days
prior to, and continuing for 180 days following, the effective date of the IPO Registration Statement, and (ii) in the case of all Holders who do not include Registrable Shares in the IPO Registration Statement, for a period of 60 days
following the effective date of the IPO Registration Statement; provided, however, that: 
 (a) the restrictions
above shall not apply to Registrable Shares sold pursuant to such Registration Statement; 
 (b) if Stonegate Holdings or any
officers or directors of the Company enter into agreements that are less restrictive than the restrictions applicable to the other Holders, then the restrictions applicable to the other Holders shall automatically be reduced to the same extent; and

 (c) the Holders shall be allowed any concession or proportionate release allowed to Stonegate Holdings or any officer or
director of the Company that entered into agreements that are no less restrictive (with such proportion being determined by dividing the number of shares being released with respect to such officer or director by the total number of issued and
outstanding shares held by such officer or director). 
 In order to enforce the foregoing covenant, the Company shall have the
right to place restrictive legends on the certificates representing the securities subject to this Section 8 and to impose stop transfer instructions with respect to the Registrable Shares and such other securities of each Holder (and the
securities of every other Person subject to the foregoing restriction) until the end of such period. 
  

	9.	Termination of the Company’s Obligation 

 The Company shall have no obligation pursuant to this Agreement with respect to any shares of Common Stock proposed to be sold by a Holder in a registration pursuant to this Agreement if all such shares
proposed to be sold by such Holder have ceased to be Registrable Shares. 
  

	10.	Limitations on Subsequent Registration Rights 

 From and after the date of this Agreement, the Company shall not, without the prior written consent of Holders beneficially owning not less than a majority of the then outstanding Registrable Shares
(provided, however, that for purposes of this Section 10, Registrable Shares 

  
 - 24 -

 
that are owned, directly or indirectly, by an Affiliate of the Company shall not be deemed to be outstanding), enter into any agreement with any holder or prospective holder of any securities of
the Company that would allow such holder or prospective holder (a) to include such securities in any Shelf Registration Statement filed pursuant to the terms hereof, unless, under the terms of such agreement, such holder or prospective holder
may include such securities in any such registration only to the extent that the inclusion of its securities will not reduce the amount of Registrable Shares of the Holders that is included (other than pursuant to the cutback provisions set forth
herein on a pro rata basis), or (b) to have its securities registered on a Registration Statement that is intended to be declared effective prior to the effective date of the first Registration Statement filed pursuant to this Agreement.

  

	11.	Miscellaneous 

 (a) Remedies. In the event of a breach by the Company of any of its obligations under this Agreement, each of FBR and each Holder, in addition to being entitled to exercise all rights provided
herein or, in the case of FBR, in the Purchase/Placement Agreement, or granted by law, including the rights granted in Section 2(f) hereof and recovery of damages, will be entitled to specific performance of its rights under this Agreement.
Subject to Section 7, the Company agrees that monetary damages would not be adequate compensation for any loss incurred by reason of a breach by it of any of the provisions of this Agreement and hereby further agrees that, in the event of any
action for specific performance in respect of such breach, it shall waive the defense that a remedy at law would be adequate. 

(b) Amendments and Waivers. The provisions of this Agreement, including the provisions of this sentence, may not be amended,
modified or supplemented, and waivers or consents to or departures from the provisions hereof may not be given, without the written consent of the Company and Holders beneficially owning not less than a majority of the then outstanding Registrable
Shares; provided, however, that for purposes of this Section 11(b), Registrable Shares that are owned, directly or indirectly, by an Affiliate of the Company shall not be deemed to be outstanding; provided, further, however, that
any amendments, modifications or supplements to, or any waivers or consents to departures from, the provisions of Section 8 hereof that would have the effect of extending the 60 or 180 day periods referenced therein shall be approved by, and
shall only be applicable to, those Holders who provide written consent to such extension to the Company. No amendment shall be deemed effective unless it applies uniformly to all Holders. Notwithstanding the foregoing, a waiver or consent to or
departure from the provisions hereof with respect to a matter that relates exclusively to the rights of a Holder whose securities are being sold pursuant to a Registration Statement and that does not directly or indirectly affect, impair, limit or
compromise the rights of other Holders may be given by such Holder; provided that the provisions of this sentence may not be amended, modified or supplemented except in accordance with the provisions of the first and second sentences of this
paragraph. 
 (c) Notices. All notices and other communications, provided for or permitted hereunder, shall be made in
writing and delivered by facsimile (with receipt confirmed), overnight courier or registered or certified mail, return receipt requested, or by telegram: 
 (i) if to a Holder, at the most current address given by the transfer agent and registrar of the Shares to the Company; and 

  
 - 25 -

	 	(ii)	if to the Company, at the offices of the Company at 9190 Priority Way West Drive, Suite 300, Indianapolis, IN 46240, Attention: James Cutillo (facsimile: 317-863-1239);
with a copy to Robert W. Downes, Sullivan & Cromwell LLP, 125 Broad Street, New York, NY 10004 (facsimile: 212-291-9043) and a copy to Curt Hidde, Barnes & Thornburg LLP, 11 South Meridian Street, Indianapolis, Indiana 46204
(facsimile: 317-231-7433); and 

 (iii) if to FBR, at the offices of FBR at 1001 Nineteenth Street
North, Arlington, Virginia 22209, Attention: Gavin Beske, Esq. (facsimile 703-312-9568). 
 (d) Successors and Assigns.
This Agreement shall inure to the benefit of and be binding upon the successors and assigns of each of the parties hereto, including, without limitation and without the need for an express assignment or assumption, subsequent Holders. The Company
agrees that the Holders shall be third party beneficiaries to the agreements made hereunder by FBR and the Company, and each Holder shall have the right to enforce such agreements directly to the extent it deems such enforcement necessary or
advisable to protect its rights hereunder; provided, however, that such Holder fulfills all of its obligations hereunder. 
 (e) Counterparts. This Agreement may be executed in any number of counterparts and by the parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement. 
 (f) Headings. The headings in this
Agreement are for convenience of reference only and shall not limit or otherwise affect the meaning hereof. 
 (g)
Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, AS APPLIED TO CONTRACTS MADE AND PERFORMED WITHIN THE STATE OF NEW YORK, WITHOUT REGARD TO PRINCIPLES OF
CONFLICTS OF LAW. EACH OF THE PARTIES AND EACH HOLDER BY ACCEPTING THE BENEFITS HEREOF AS THIRD PARTY BENEFICIARIES HERETO HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY STATE COURT IN THE STATE OF NEW YORK OR ANY FEDERAL COURT SITTING IN NEW
YORK IN RESPECT OF ANY SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT, AND IRREVOCABLY ACCEPTS FOR ITSELF AND IN RESPECT OF ITS PROPERTY, GENERALLY AND UNCONDITIONALLY, THE JURISDICTION OF THE AFORESAID COURTS. EACH OF THE
PARTIES HERETO AND EACH HOLDER BY ACCEPTING THE BENEFITS HEREOF AS THIRD PARTY BENEFICIARIES IRREVOCABLY WAIVES, TO THE FULLEST EXTENT IT MAY EFFECTIVELY DO SO UNDER 

  
 - 26 -

 
APPLICABLE LAW, ANY OBJECTION THAT IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT AND ANY CLAIM THAT ANY SUCH SUIT,
ACTION OR PROCEEDING BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM. Any right to trial by jury with respect to any action or proceeding arising in connection with or as a result of this Agreement or any matter referred to
herein is hereby waived by the parties hereto. 
 (h) Severability. If any term, provision, covenant or
restriction of this Agreement is held by a court of competent jurisdiction to be invalid, illegal, void or unenforceable, the remainder of the terms, provisions, covenants and restrictions set forth herein shall remain in full force and effect and
shall in no way be affected, impaired or invalidated, and the parties hereto shall use their commercially reasonable efforts to find and employ an alternative means to achieve the same or substantially the same result as that contemplated by such
term, provision, covenant or restriction. It is hereby stipulated and declared to be the intention of the parties hereto that they would have executed the remaining terms, provisions, covenants and restrictions without including any of such that may
be hereafter declared invalid, illegal, void or unenforceable. 
 (i) Entire Agreement. This Agreement, together with the
Purchase/Placement Agreement, is intended by the parties hereto as a final expression of their agreement, and is intended to be a complete and exclusive statement of the agreement and understanding of the parties hereto in respect of the subject
matter contained herein and therein. 
 (j) Registrable Shares Held by the Company or its Affiliates. Whenever the
consent or approval of Holders of a specified percentage of Registrable Shares is required hereunder, Registrable Shares held by the Company or its Affiliates, including Stonegate Holdings, shall not be counted in determining whether such consent or
approval was given by the Holders of such required percentage. 
 (k) Adjustment for Stock Splits, etc. Wherever in this
Agreement there is a reference to a specific number of shares, then upon the occurrence of any subdivision, combination, or stock dividend of such shares, the specific number of shares so referenced in this Agreement shall automatically be
proportionally adjusted to reflect the effect on the outstanding shares of such class or series of stock by such subdivision, combination, or stock dividend. 
 (l) Survival. This Agreement is intended to survive the consummation of the transactions contemplated by the Purchase/Placement Agreement. The indemnification and contribution obligations under
Section 7 of this Agreement shall survive the termination of the Company’s obligations under Section 2 of this Agreement. 

  
 - 27 -

 (m) Attorneys’ Fees. In any action or Proceeding brought to enforce any
provision of this Agreement, or where any provision hereof is validly asserted as a defense, the prevailing party, as determined by the court, shall be entitled to recover its reasonable attorneys’ fees in addition to any other available
remedy. 
 [Signature page follows] 

  
 - 28 -

 IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first
above written. 
  

			
	STONEGATE MORTGAGE CORPORATION
		
	 By:
	 	/s/ James J. Cutillo
		 	 Name: James J. Cutillo

Title: CEO

  

			
	FBR CAPITAL MARKETS & CO.
		
	 By:
	 	/s/ Paul Dellisola
		 	 Name: Paul Dellisola
 Title:
Senior Managing Director

 [Signature Page to Registration Rights Agreement] 

  
 - 29 -EX-10.2

 EXHIBIT 10.2 
 STONEGATE MORTGAGE CORPORATION 

AMENDED AND RESTATED 2011 OMNIBUS INCENTIVE
PLAN 
 (Amended and Restated as of May 8, 2013) 

 

	Section 1.	Purposes; Objectives; Definitions. 

 The purpose of the Plan is to give the Corporation a competitive advantage in attracting, retaining and motivating employees, consultants and Directors and to provide the Corporation and its Affiliates
with a plan providing incentives more directly linked to the success of the Corporation and increases in shareholder value. 

The objectives of the Plan are to optimize the profitability and growth of the Corporation through incentives which are consistent with
the Corporation’s goals. The Plan is intended to provide flexibility to the Corporation in its ability to motivate, attract and retain the services of employees, consultants and Directors who make significant contributions to the success of the
Corporation. 
 For purposes of the Plan, terms are defined in Exhibit A attached hereto and made a part hereof.

  

	Section 2.	Administration. 

 (a)
Committee. The Plan shall be administered by the Committee. The Committee shall have plenary authority to grant Awards pursuant to the terms of the Plan to employees, consultants and Directors of the Corporation and its Affiliates. The Awards
will be granted by the Corporation but may be based on the performance or other measures of one or more Affiliates of the Corporation. 
 (b) Authority. Among other things, the Committee shall have the authority, subject to the terms of the Plan, to: 

(i) select the employees, consultants and Directors to whom Awards may from time to time be granted; 

(ii) determine whether and to what extent Incentive Stock Options and Nonqualified Stock Options, Stock Appreciation
Rights, Restricted Stock, Performance Units, Phantom Stock, Restricted Stock Units and Stock Awards or any combination thereof are to be granted hereunder; 
 (iii) determine the number of shares of Common Stock to be covered by each Award granted hereunder; 
 (iv) determine the terms and conditions of any Award granted hereunder including, but not limited to, the exercise price, any vesting condition, restriction or limitation (which may be related to the
performance of the Participant, the Corporation or any Affiliate) and any vesting, acceleration or forfeiture regarding any Award and the shares of Common Stock relating thereto, based on such factors as the Committee shall determine (which may
include degrees of attainment such as minimums, thresholds and targets for payment); 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  1	  

 (v) modify, amend or adjust the terms and conditions of any Award at any
time or from time to time including, but not limited to, due to unusual or nonrecurring events; 
 (vi) suspend
the vesting, lapsing or exercise of an Award in connection with a transaction involving the Corporation or any Affiliate; and 
 (vii) determine under what circumstances an Award may be settled in cash, Common Stock, other securities, other Awards or other property (in which event, the Committee may specify what other effects such
settlement will have on the Award, including the effect on any repayment provisions under the Plan or award agreement), or any combination of the foregoing. 
 (c) Rules; Interpretation; Action. The Committee shall have the authority to adopt, alter, waive and repeal such administrative rules, guidelines and practices governing the Plan and any Award
thereunder as it shall from time to time deem advisable, to interpret the terms and provisions of the Plan, to interpret, amend or waive the terms or provisions of any Award issued under the Plan (and any award agreement relating thereto), to
correct any defect, supply any omission and reconcile any inconsistency in the Plan, and to otherwise supervise the administration of the Plan. 
 (d) Decisions Final and Binding. Any determination made by the Committee or pursuant to delegated authority pursuant to the provisions of the Plan with respect to any Award shall be made in the
sole discretion of the Committee or such delegate, and such determinations are not required to be uniform across Participants and may be selectively made among persons who receive (or are eligible to receive) Awards under the Plan. All decisions
made by the Committee or any appropriately delegated person pursuant to the provisions of the Plan shall be final, binding and conclusive on all persons, including the Corporation and its Affiliates and Participants. 

 

	Section 3.	Common Stock Subject To Plan. 

 (a) Number of Shares. Subject to Section 3(c), the total number of shares of Common Stock reserved and available for grant under the Plan shall be 178,000. Shares subject to an Award under the
Plan may be authorized and unissued shares or may be treasury shares. Subject to Section 3(c), the total number of shares of Common Stock which may be issued pursuant to the exercise of Incentive Stock Options granted under this Plan may not
exceed 178,000. 
 (b) Forfeiture of Awards. If any Award is forfeited or terminates without being exercised or prior to
vesting, shares of Common Stock subject to such Awards shall again be available for distribution in connection with Awards under the Plan. For the avoidance of doubt, the following will not again become available for issuance under the Plan:
(i) any shares of Common Stock issued upon exercise or in settlement of an Award, (ii) any shares of Common Stock withheld in respect of taxes, (iii) any shares of Common Stock tendered or withheld to pay the exercise price of Stock
Options, (iv) any shares of Common Stock repurchased by the Corporation from the Participant with the proceeds from the exercise of Stock Options and (v) any shares of Common Stock subject to stock appreciation rights but not issued on
exercise as a result of the operation of Section 6(b). 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  2	  

 (c) Change in Capital Structure. The Committee shall make or provide for such
adjustments in the number and kind of shares that may be granted under this Plan, in the number and kind of shares subject to outstanding Awards, and in the exercise price per share applicable to such outstanding Awards, as the Committee in its sole
discretion, exercised in good faith, may determine is equitably required to prevent dilution or enlargement of the rights of Participants that otherwise would result from (i) any stock dividend, stock split, combination or exchange of shares,
recapitalization or other change in the capital structure of the Corporation, (ii) any merger, share exchange, consolidation, split-up, spin-off, split-off, reorganization, partial or complete liquidation, or issuance of rights or warrants to
purchase securities, involving or affecting the Corporation, or (iii) any other corporate transaction or event having an effect similar to any of the foregoing; provided any adjustments shall be in accordance with the Code. 

(d) Material Transaction. Except as otherwise specifically provided in the award agreement, in the event of a material transaction
involving the Corporation, which shall mean those transactions determined by the Board to be material and which result in the consummation of (i) a sale of the Corporation or all or substantially all of its assets, (ii) the sale of a
majority of the stock of the Corporation or the merger or consolidated of the Corporation or (iii) another transaction deemed appropriate by the Board (in each case, a “Material Transaction”), the Board may, in its sole
discretion, provide for the treatment of Awards in any manner it deems appropriate (if any), including, without limitation, (i) substituting for any or all Awards under this Plan such alternative consideration as it in good faith may determine
to be equitable in the circumstances and may require in connection therewith the surrender of all Awards so replaced; (ii) the acceleration of the vesting or the lapsing of any restrictions and may require the exercise of and payment of Awards
to occur at the time of the Material Transaction or be subject to forfeiture and/or (iii) the provision of the same consideration, calculated on a per share basis, as the holders of shares were entitled to receive as if the Award was exercised
and the restrictions lapsed (and in connection therewith terminate the Award). The adjustments contained in this Section and the manner of application of its provisions shall be determined solely by the Board. 

 

	Section 4.	Eligibility and Award Agreement. 

 (a) Eligibility. Persons who serve or agree to serve as employees (including prospective employees), consultants (including prospective consultants) or Directors (including prospective Directors)
of the Corporation and its Affiliates who are responsible for or contribute to the management, growth and profitability of the business of the Corporation and/or its Affiliates are eligible to be granted Awards under the Plan. 

(b) Award Agreement. Each Award shall be evidenced by an award agreement, the terms and provisions of which shall be determined by
the Committee in its sole discretion and may differ among Participants. An award agreement shall indicate on its face whether it is intended to be an agreement for an Incentive Stock Option or a Nonqualified Stock Option or other Award type. The
grant of an Award shall occur on the date the Committee selects an individual to be a Participant in any grant of an Award and specifies the terms and provisions of the Award. The Corporation shall notify a Participant of any grant of an Award, and
a written award agreement shall be duly executed and delivered. Such grant shall become effective upon the date of grant (subject to conditions set forth therein), and the execution of the award agreement(s) may occur following the grant of the
Award. The Committee may, prior to grant, condition the vesting, exercisability or lapse of restrictions on any Award upon the attainment of Performance Goals. The Committee may, in addition to or instead of requiring satisfaction of

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  3	  

 
Performance Goals, condition vesting, exercisability or lapse of restrictions on any Award upon the continued service of the Participant or upon any other term or condition. The provisions of any
Award (including any applicable Performance Goals) need not be the same with respect to each Participant, and the Committee shall have the sole discretion at any time to accelerate or waive, in whole or in part, any or all remaining restrictions on
vesting or exercisability with respect to any or all Awards. The Corporation’s obligation to deliver shares of Common Stock in satisfaction of any Award shall be subject, in all cases, to compliance with applicable law (including the
requirements of any securities exchange on which shares of Common Stock may be listed). 
 (c) Shareholders Agreement.
Notwithstanding any other provision of the Plan or any award agreement, the Corporation shall not be required to issue or deliver any certificate or certificates for shares of Common Stock under the Plan until the Participant or any other person
entitled to such Common Stock executes a shareholders’ agreement containing such terms and conditions as determined by the Board in its sole discretion. Such terms and conditions may include, among other things, (i) restrictions on the
sale, assignment and transfer and pledge and encumbrance of such Common Stock, (ii) provisions granting the Corporation the right and option to repurchase such Common Stock upon or after any date and/or event, (iii) provisions granting the
Corporation the right of first refusal to purchase such Common Stock in certain events, (iv) drag along rights to the Corporation, and (v) any other rights for the benefit of the Corporation that the Board may deem necessary or desirable.

 (d) Investment Representations. The Committee may require each person purchasing or receiving shares of Common Stock
pursuant to an Award to represent to and agree with the Corporation in writing prior to such purchase or issuance that such person is acquiring the shares of Common Stock with investment intent and without a view to the distribution thereof.

  

	Section 5.	Stock Options. 

 (a)
Grant and Types. Whenever the Committee deems it appropriate, Stock Options may be granted alone or in connection with another Award and may be of two types: Incentive Stock Options and Nonqualified Stock Options. Any Stock Option granted
under the Plan shall be in such form as the Committee may from time to time approve. The Committee shall have the authority to grant any Participant Incentive Stock Options, Nonqualified Stock Options or both types of Stock Options (in each case
with or without Stock Appreciation Rights); provided, however, that only employees are eligible to be granted Incentive Stock Options. To the extent that any Stock Option is not designated as an Incentive Stock Option or even if so
designated does not qualify as an Incentive Stock Option, it shall constitute a Nonqualified Stock Option. 
 (b) Terms and
Conditions. Stock Options granted under the Plan shall be subject to the following terms and conditions, which shall be in addition to such terms and conditions as the Committee shall deem desirable, including those contained in any award
agreement: 
 (i) The option price per share of Common Stock purchasable under a Stock Option shall be
determined by the Committee and set forth in the option agreement and shall not be less than 100% of the Fair Market Value (on the date the Stock Option is granted) of the Common Stock subject to the Stock Option. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  4	  

 (ii) The term of each Stock Option shall be fixed by the Committee, but no
Stock Option shall be exercisable more than 10 years after the date the Stock Option is granted. 
 (iii) Except
as otherwise provided herein or in the award agreement, Stock Options shall be exercisable at such time or times and subject to such terms and conditions as shall be determined by the Committee; provided, however, that the exercise
provisions for Incentive Stock Options shall in all events not be more favorable than the following provisions: 

(1) No Incentive Stock Option may be exercised (A) before the Plan is approved by the shareholders of the
Corporation in the manner prescribed by Section 422 of the Code; and (B) after the first to occur of: (x) ten years from the date the Incentive Stock Option is granted, (y) three months following the date of the
Participant’s termination of employment with the Corporation and all Affiliates for reasons other than Disability or death, or (z) one year following the date of the Participant’s termination of employment on account of Disability or
death. 
 (2) An Incentive Stock Option by its terms shall be exercisable in any calendar year only to the
extent that the aggregate Fair Market Value (determined at the date the Incentive Stock Option is granted) of the Common Stock with respect to which Incentive Stock Options are exercisable for the first time during the calendar year does not exceed
$100,000 (the “Limitation Amount”). Incentive Stock Options granted under the Plan and all other plans of the Corporation and all Affiliates shall be aggregated for purposes of determining whether the Limitation Amount has been
exceeded. If Incentive Stock Options that first become exercisable in a calendar year exceed the Limitation Amount, the excess Stock Options will be treated as Nonqualified Stock Options to the extent permitted by law. 

(iv) Notwithstanding any other provision herein contained, no employee of the Corporation or any Affiliate may receive an
Incentive Stock Option under the Plan if such employee, on the date the Incentive Stock Option is granted, owns (as defined in Section 424(d) of the Code) Common Stock possessing more than 10% of the total combined voting power of all classes
of stock of the Corporation or any Affiliate, unless the exercise price for such Incentive Stock Option is at least 110% of the Fair Market Value (determined on the date the Incentive Stock Option is granted) and such Incentive Stock Option
is not exercisable after the date five years from the date the Incentive Stock Option is granted. 
 (v) Subject
to the provisions of this Section 5 and except as otherwise provided in the award agreement, Stock Options may be exercised, in whole or in part, at any time after the Stock Options become exercisable by giving written notice of exercise to the
Corporation specifying the number of shares of Common Stock subject to the Stock Option to be purchased. Such notice shall be accompanied by payment in full of the purchase price by certified or bank check or such other instrument as the Corporation
may accept; provided, however, that if permitted by the Committee and by applicable securities laws, the Participant may (A) deliver Common Stock already owned by the 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  5	  

 
Participant having a Fair Market Value on the date of exercise equal to the purchase price, (B) cause to be withheld from the Stock Option shares, shares of Common Stock issuable upon
exercise of the Stock Option having a Fair Market Value on the date of exercise equal to the purchase price, (C) deliver a certified or bank check or other instrument as the Corporation may accept, or (D) any combination of (A) above,
(B) above and/or (C) above. No shares of Common Stock shall be issued until full payment therefor has been made. 
  

	Section 6.	Stock Appreciation Rights. 

 (a) Grant. Whenever the Committee deems it appropriate, Stock Appreciation Rights may be granted alone or in connection with another Award. 

(b) Terms and Conditions. Stock Appreciation Rights granted under the Plan shall be subject to the following terms and conditions,
which shall be in addition to such terms and conditions as the Committee shall deem desirable, including those contained in any award agreement: 
 (i) Stock Appreciation Rights shall entitle the Participant, upon exercise of all or any part of the Stock Appreciation Rights, to receive in exchange from the Corporation an amount equal to the excess of
(y) the Fair Market Value on the date of exercise of the Common Stock covered by the surrendered Stock Appreciation Right over (z) the Fair Market Value of the Common Stock on the date the Stock Appreciation Right is granted. The Committee
may limit the amount that the Participant will be entitled to receive upon exercise of Stock Appreciation Rights. 
 (ii) A Stock Appreciation Right may only be exercised at a time when the Fair Market Value of the Common Stock covered by the Stock Appreciation Right exceeds the Fair Market Value of the Common Stock on
the date the Stock Appreciation Right is granted. 
 (iii) If the Stock Appreciation Right is granted in
connection with a Stock Option under the Plan then (A) the Participant, upon exercise of all or any part of the Stock Appreciation Rights, shall surrender to the Corporation, unexercised, that portion of the underlying Stock Option relating to
the same number of shares of Common Stock as is covered by the Stock Appreciation Rights (or the portion of the Stock Appreciation Rights so exercised), (B) the Stock Appreciation Right shall terminate and no longer be exercisable upon the
termination or exercise of the related Stock Option and Stock Options which have been so surrendered shall no longer be exercisable to the extent the related Stock Appreciation Rights have been exercised, and (c) the Stock Appreciation Right
shall be exercisable only to the extent that the related Stock Option is exercisable and the Stock Appreciation Right shall expire no later than the date on which the related Stock Option expires. 

(c) Exercise. Stock Appreciation Rights may be exercised, in whole or in part, at any time after the Stock Appreciation Rights
become exercisable by giving written notice of the exercise to the Corporation specifying the number of Stock Appreciation Rights the Participant has elected to exercise. 
 (d) Payment. The obligation arising upon the exercise of a Stock Appreciation Right shall be paid in cash; provided, however, the award agreement may provide for payment in

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  6	  

 
Common Stock, or a combination of Common Stock and cash, or the Committee may reserve the right to determine the manner of payment at the time the Stock Appreciation Right is exercised. Shares of
Common Stock issued upon the exercise of a Stock Appreciation Right shall be valued at their Fair Market Value on the date of exercise. 
  

	Section 7.	Restricted Stock. 

 (a)
Grant. Whenever the Committee deems it appropriate, shares of Restricted Stock may be awarded either alone or in connection with another Award. The Committee shall determine the number of shares of Common Stock to be awarded to any
Participant, the conditions for vesting or lapsing of restrictions, the time or times within which such Awards may be subject to forfeiture and any other terms and conditions of the Awards, in addition to those contained in Section 7(c).

 The Committee may, prior to grant, condition the vesting of or the lapsing of restrictions on Restricted Stock upon the
attainment of Performance Goals. The Committee may, in addition to or instead of requiring satisfaction of Performance Goals, condition vesting or lapsing upon the continued service of the Participant or upon any other term or condition. The
provisions of Restricted Stock Awards (including any applicable Performance Goals) need not be the same with respect to each Participant. 
 (b) Awards and Certificates. Shares of Restricted Stock shall be evidenced in such manner as the Committee may deem appropriate, including book-entry registration or issuance of one or more stock
certificates. Any certificate issued in respect of shares of Restricted Stock shall be registered in the name of such Participant and shall bear an appropriate legend referring to the terms, conditions, and restrictions applicable to such Award,
substantially in the following form: 
 “The transferability of this certificate and the shares of stock represented hereby
are subject to the terms and conditions (including forfeiture) of the Stonegate Mortgage Corporation Amended and Restated 2011 Omnibus Incentive Plan and an award agreement. Copies of such plan and award agreement are on file at the offices of
Stonegate Mortgage Corporation.” 
 The Committee may require that the certificates evidencing such shares of Common Stock be held in
custody by the Corporation until the restrictions thereon shall have lapsed and that, as a condition of any Award of Restricted Stock, the Participant shall have delivered a stock power, endorsed in blank, relating to the Common Stock covered by
such Award. 
 (c) Terms and Conditions. Shares of Restricted Stock granted under the Plan shall be subject to the
following terms and conditions, which shall be in addition to such terms and conditions as the Committee shall deem desirable, including those contained in any award agreement: 

(i) Subject to the provisions of the Plan, during the period, if any, commencing with the date of grant of such Award and
ending on the date of vesting or the lapsing of the restrictions, the Participant shall not be permitted to sell, assign, transfer, pledge or otherwise encumber Restricted Stock. The Committee may provide for the vesting or the lapse of restrictions
in installments. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  7	  

 (ii) Except as provided in this Section or in the award agreement, the
Participant shall have, with respect to the shares of Restricted Stock, all of the rights of a shareholder of the Corporation holding the shares of Common Stock that are the subject of the Restricted Stock, including, if applicable, the right to
vote the shares and the right to receive any dividends or distributions. 
 (iii) The Committee shall have the
sole discretion at any time to accelerate or waive, in whole or in part, any or all remaining restrictions with respect to any or all of such Participant’s shares of Restricted Stock. 

(iv) If and when any applicable restriction period expires without a prior forfeiture of the Restricted Sock,
certificates for such shares shall be delivered to the Participant upon surrender of any legended certificates. 

(v) To the extent the Award of Restricted Stock permits a Code Section 83(b) election, if a Participant makes an
election pursuant to Section 83(b) of the Code concerning an Award of Restricted Stock, the Participant shall promptly file a copy of such election with the Corporation. 

 

	Section 8.	Performance Units. 

 (a)
Grant. Whenever the Committee deems it appropriate, Performance Units may be awarded either alone or in connection with another Award. The Committee shall determine the number of Performance Units to be awarded to any Participant, the
duration of the Award Cycle and any other terms and conditions of the Award, in addition to those contained in Section 8(b). 
 The Committee may, prior to grant, condition the vesting or settlement of Performance Units upon the attainment of Performance Goals. The Committee may, in addition to or instead of requiring satisfaction
of Performance Goals, condition vesting or settlement upon the continued service of the Participant or upon any other term or condition. The provisions of Performance Unit Awards (including any applicable Performance Goals) need not be the same with
respect to each Participant. 
 (b) Terms and Conditions. Performance Units granted under the Plan shall be subject to
the following terms and conditions, which shall be in addition to such terms and conditions as the Committee shall deem desirable, including those contained in any award agreement: 

(i) Subject to the provisions of the Plan, Performance Units may not be sold, assigned, transferred, pledged or otherwise
encumbered. 
 (ii) At the expiration of the Award Cycle, the Committee shall evaluate, to the extent
applicable, the Participant’s continued service, the Corporation’s performance in light of the Performance Goals for such Award and any other terms and conditions of the Performance Units, and shall determine the value of the Performance
Units granted to the Participant which have vested and been earned. If the value is a positive number, the Committee may then elect to deliver that value in the form of (A) shares of Common Stock, (B) cash, or (C) a combination
thereof. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  8	  

 (iii) The Committee shall have the sole discretion at any time to accelerate
or waive, in whole or in part, any or all limitations with respect to any or all of such Participant’s Performance Units. 
 (iv) If and when any applicable Award Cycle expires without a prior forfeiture of the Performance Units, payment in accordance with this Section shall be made to the Participant. 

 

	Section 9.	Phantom Stock. 

 (a)
Award. Whenever the Committee deems it appropriate, Phantom Stock may be awarded either alone or in connection with another Award. The Committee shall determine the number of shares of Phantom Stock to be awarded to any Participant and any
restrictions and other terms and conditions of the Award, in addition to those contained in Section 9(b). 
 The Committee
may, prior to grant, condition the lapsing of any restrictions (the “Phantom Restrictions”) upon the attainment of Performance Goals. The Committee may, in addition to or instead of requiring satisfaction of Performance Goals,
condition the lapsing of Phantom Restrictions on the continued service of the Participant or any other term or condition. The provisions of Phantom Stock Awards (including any applicable Performance Goals) need not be the same with respect to each
Participant. 
 (b) Terms and Conditions. Phantom Stock granted under the Plan shall be subject to the following terms
and conditions, which shall be in addition to such terms and conditions as the Committee shall deem desirable, including those contained in any award agreement: 

(i) Subject to the provisions of the Plan, Phantom Stock may not be sold, assigned, transferred, pledged or otherwise
encumbered. 
 (ii) Upon the expiration of the period, if any, set by the Committee, commencing with the date of
grant of such Award and ending on the date the applicable Phantom Restrictions (if any) lapse, the Committee shall determine the excess of (y) the Fair Market Value on the date of lapse of the Phantom Restrictions of the Common Stock covered by
the Phantom Stock, over (z) the value of the Common Stock covered by the Phantom Stock as set forth in the award agreement (the “Phantom Stock Payment”). If the value is a positive number, the Committee may then elect to
deliver that value in the form of (A) shares of Common Stock, (B) cash, or (C) a combination thereof. 
 (iii) The Committee shall have the sole discretion at any time to accelerate or waive, in whole or in part, any or all remaining Phantom Restrictions with respect to any or all of such Participant’s
Phantom Stock. 
 (iv) If and when any applicable Phantom Restrictions lapse without a prior forfeiture of the
Phantom Stock, payment in accordance with this Section shall be made to the Participant. 
  

	Section 10.	Restricted Stock Units. 

(a) Grant. Whenever the Committee deems it appropriate, shares of Restricted Stock Units may be awarded either alone or in
connection with another Award. The Committee shall determine the number of shares of Restricted Stock to be awarded to any Participant, the conditions for vesting or lapsing of restrictions, the time or times within which such Awards may be subject
to forfeiture and any other terms and conditions of the Awards, in addition to those contained in Section 10(b). 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  9	  

 The Committee may, prior to grant, condition the vesting of or the lapsing of restrictions
on Restricted Stock Units upon the attainment of Performance Goals. The Committee may, in addition to or instead of requiring satisfaction of Performance Goals, condition vesting or lapsing upon the continued service of the Participant or upon any
other term or condition. The provisions of Restricted Stock Units Awards (including any applicable Performance Goals) need not be the same with respect to each Participant. 
 (b) Terms and Conditions. Restricted Stock Units granted under the Plan shall be subject to the following terms and conditions, which shall be in addition to such terms and conditions as the
Committee shall deem desirable, including those contained in any award agreement: 
 (i) Subject to the
provisions of the Plan, during the period, if any, commencing with the date of grant of such Award and ending on the date of vesting or the lapsing of the restrictions, the Participant shall not be permitted to sell, assign, transfer, pledge or
otherwise encumber Restricted Stock Units. The Committee may provide for the vesting or the lapse of restrictions in installments. 
 (ii) The Committee shall have the sole discretion at any time to accelerate or waive, in whole or in part, any or all remaining restrictions with respect to any or all Restricted Stock Units. 

(iii) If any when any applicable restriction period expires without a prior forfeiture of Restricted Stock Units, the
Participant shall be paid in cash the Fair Market Value of a share of Common Stock on the date of the restriction lapse multiplied by the applicable number of Restricted Stock Units. 

 

	Section 11.	Stock Awards. 

 (a)
Award. Whenever the Committee deems it appropriate, Stock Awards may be awarded either alone or in connection with another Award. The Committee shall determine the number of Stock Awards to be awarded to any Participant and any restrictions
and other terms and conditions of the Award, in addition to those contained in Section 11(b). The provisions of Stock Awards need not be the same with respect to each Participant. 

(b) Terms and Conditions. Stock Awards granted under the Plan shall be subject to only those terms and conditions as the Committee
shall deem desirable and which shall be contained in any award agreement. The Committee may require the Participant to pay a purchase price for each share of Common Stock subject to the Stock Award. 

 

	Section 12.	Effective Date, Amendment and Termination. 

 (a) Effective Date. The predecessor to the Plan, as amended and restated, was approved by the shareholders on April 28, 2011. An increase to the total number of shares of Common Stock reserved
and available for grant under the Plan, as amended and restated, was approved by the shareholders on April 10, 2013. The effective date of the Plan, as amended and restated, is May 8, 2013. No Incentive Stock Option Award shall be made
under the Plan after April 28, 2021. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  10	  

 (b) Amendment and Termination. The Board may at any time terminate, and may at any
time and from time to time and in any respect amend or modify, the Plan; provided, however, that to the extent necessary and desirable to comply with Section 422 of the Code (or any other applicable law or regulation), shareholder
approval of any Plan amendment shall be obtained in such a manner and to such a degree as is required by the applicable law or regulation; and provided further, that no termination, amendment or modification of the Plan shall in any manner
adversely affect any Award granted pursuant to the Plan prior to the date of such termination, amendment or modification, without the consent of the Participant or, if applicable, the transferee of the Award. 

 

	Section 13.	Effect of Termination Event. 

 Except as otherwise set forth in the award agreement: 
 (a) Generally. If a
Termination Event occurs for a Participant for any reason, other than his or her Disability or death, then (i) any Award or portion thereof that is unvested (or otherwise unexercisable or for which restrictions have not lapsed) as of the
Termination Date shall terminate and be forfeited as of the Termination Date, and (ii) any Stock Option or Stock Appreciation Right or portion thereof that has previously vested (and is otherwise exercisable) as of the Termination Date shall
terminate and be forfeited on the date that is three months after the Termination Date; provided, however, that if the Participant should die during that three-month period, such Option or Stock Appreciation Right or portion thereof
shall terminate on the date that is one year after the Termination Date. 
 (b) Disability or Death. If a Participant who
is an individual has a Termination Event as a result of his or her Disability or death, then (i) any Award or portion thereof that is unvested (or otherwise unexercisable or for which restrictions have not lapsed) as of the Termination Date
shall terminate and be forfeited as of the Termination Date, and (ii) any Stock Option or Stock Appreciation Right or portion thereof that has previously vested (and is otherwise exercisable) as of the Termination Date shall terminate and be
forfeited on the date that is one year after the Termination Date. 
  

	Section 14.	General Provisions. 

 (a)
Certificates. The certificates for such shares of Common Stock may include any legend which the Committee deems appropriate to reflect any restrictions on transfer and to comply with federal or state securities laws. 

(b) Other Plans. Nothing contained in the Plan shall prevent the Corporation or any Affiliate from adopting other or additional
compensation arrangements for its employees. 
 (c) No Continued Employment or Engagement; Nature of Payments. Adoption
of the Plan nor any Award shall confer upon any employee any right to continued employment, any Director any right to continue as a Director or any consultant any right to continued engagement, nor shall it interfere in any way with the right of the
Corporation or any Affiliate to terminate the employment of any employee or the engagement of any Director or consultant at any time. All Awards and deliveries of shares of Common Stock, cash, securities or other property under the Plan constitute a
special discretionary incentive payment to the Participant, and the grant to a Participant of an Award will not entitle the Participant to the grant of any future Awards. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  11	  

 (d) Withholding. No later than the date as of which an amount first becomes
includible in the gross income of the Participant for federal income tax purposes with respect to any Award under the Plan, the Participant shall pay to the Corporation, or make arrangements satisfactory to the Corporation regarding the payment of,
any federal, state, local or foreign taxes of any kind required by law to be withheld with respect to such amount. If permitted by the Committee, withholding obligations may be settled with Common Stock, including Common Stock that is part of the
Award that gives rise to the withholding requirement. The obligations of the Corporation under the Plan shall be conditional on such payment or arrangements, and the Corporation and its Affiliates shall, to the extent permitted by law, have the
right to deduct any such taxes from the payment of the Award and from any payment otherwise due to the Participant. 
 (e)
Beneficiary Designation. The Committee may establish such procedures as it deems appropriate for a Participant to designate a beneficiary to whom any amounts payable in the event of the Participant’s death are to be paid or by whom any
rights of the Participant, after the Participant’s death, may be exercised. 
 (f) Governing Law. The Plan and all
Awards made and actions taken thereunder shall be governed by and construed in accordance with the laws of the State of Indiana, without reference to principles of conflict of laws. 

(g) Notice. All notices and other communications required or permitted to be given under the Plan shall be in writing or other
form approved by the Committee and shall be deemed to have been duly given as follows (a) if to the Corporation mailed first class, postage prepaid at the principal business address of the Corporation to the attention of the Chairperson of the
Board of the Corporation; or (b) if to any Participant then delivered personally, mailed first class, postage prepaid at the last address of the Participant known to the sender at the time the notice or other communication is sent or delivered,
or by e-mail, interoffice mail, intranet or other means of office communication determined by the Committee. 
 (h)
Interpretation; Section 409A. All Awards made under the Plan that are intended to be exempt from Section 409A of the Code (“Section 409A”) shall be interpreted, administered and construed to comply with and
preserve such exemption, and all Awards granted under the Plan that are intended to be “deferred compensation” subject to Section 409A of the Code shall be interpreted, administered and construed to comply with Section 409A. The
Board and the Committee shall have full authority to give effect to the intent of the foregoing sentence. To the extent necessary to give effect to this intent, in the case of any conflict or potential inconsistency between the Plan and a provision
of any Award or award agreement with respect to an Award, the Plan shall govern. Without limiting the foregoing, to the extent that any Award constitutes “deferred compensation” subject to Section 409A: 

(i) any payment due upon a Participant’s Termination Event shall be paid only upon such Participant’s
“separation from service” from the Corporation within the meaning of Section 409A; 
 (ii) any
payment to be made with respect to such Award, to the extent a Participant is a “specified employee” (within the meaning of Section 409A), in connection with the such Participant’s “separation from service” from the
Corporation within the meaning of Section 409A (and any other payment that would be subject to the limitations in Section 409A(a)(2)(b) of the Code) shall be delayed until six months after the Participant’s separation from service (or
earlier death) in accordance with the requirements of Section 409A; 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  12	  

 (iii) to the extent necessary to comply with Section 409A, any other
securities, other Awards or other property that the Corporation may deliver in lieu of shares of Common Stock in respect of an Award shall not have the effect of deferring delivery or payment beyond the date on which such delivery or payment would
occur with respect to the shares of Common Stock that would otherwise have been deliverable (unless the Committee elects a later date for this purpose in accordance with the requirements of Section 409A); 

(iv) any Award that becomes payable as of a Material Transaction shall only be paid if such Material Transaction
qualifies as a “change in control event” within the meaning of Section 409A (and if the Material Transaction does not so qualify, then such Award shall become vested upon the consummation of the Material Transaction and shall be paid
at the times otherwise provided by the Award); 
 (v) if the Award includes a “series of installment
payments” (within the meaning of Section 1.409A-2(b)(2)(iii) of the Treasury Regulations), the Participant’s right to the series of installment payments shall be treated as a right to a series of separate payments and not as a right
to a single payment; and 
 (vi) if the Award includes “dividend equivalents” (within the meaning of
Section 1.409A-3(e) of the Treasury Regulations), the Participant’s right to the dividend equivalents shall be treated separately from the right to other amounts under the Award. 

(i) Non-transferability. No Award shall be sold, assigned or transferred or pledged or encumbered by the Participant other than
(i) transfers by will or by the laws of descent and distribution; or (ii) in the case of an Award other than an Incentive Stock Option to the extent specified in the award agreement. All Stock Options and Stock Appreciation Rights shall be
exercisable, subject to the terms of the Plan, during the Participant’s lifetime, only by the Participant or any person to whom the Stock Option or Stock Appreciation Right is permitted to be transferred. 

(j) Indemnification. No member of the Committee or the Board or any officer or employee of the Corporation shall be personally
liable by reason of any contract or other instrument executed by such member, officer or employee or on such member’s, officer’s or employee’s behalf in his or her capacity as a member of the Committee or the Board or their respective
delegates for any mistake of judgment made in good faith, and the Corporation shall indemnify and hold harmless each employee, officer or director of the Corporation or any subsidiary to whom any duty or power relating to the administration or
interpretation of the Plan may be allocated or delegated, against any cost or expense (including counsel fees) or liability (including any sum paid in settlement of a claim) arising out of any act or omission to act in connection with the Plan
unless arising out of such Person’s own fraud or bad faith. 
 (k) Successors. The Plan shall be binding upon the
successors and assigns of the Corporation. 

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  13	  

 Pursuant to resolutions adopted by the shareholders and the Board of the Corporation on the
date set forth in Section 12(a), the undersigned officer of the Corporation hereby adopts the Stonegate Mortgage Corporation Amended and Restated 2011 Omnibus Incentive Plan on behalf of the Corporation. 

Dated this 8th day of May, 2013. 
  

			
	STONEGATE MORTGAGE CORPORATION
		
	By:	 	/s/ James. J. Cutillo
		 	James J. Cutillo, CEO

  
  

					
	STONEGATE MORTGAGE CORPORATION AMENDED AND RESTATED 2011 OMNIBUS
INCENTIVE PLAN	  	 	PAGE  14	  

 EXHIBIT A 

DEFINITIONS 
 “Affiliate” means a corporation or other entity controlling, controlled by or under common control with the Corporation which shall include, as it relates to Section 5(b)(iv), any
related corporation (as defined in the Code). 
 “Award” means a Stock Option, Stock Appreciation Right,
Restricted Stock, Performance Unit, Phantom Stock, Restricted Stock Unit or Stock Award. 
 “Award Cycle” shall
mean a period designated by the Committee over which Performance Units are to be earned. 
 “Board” means the
Board of Directors of the Corporation. 
 “Code” means the Internal Revenue Code of 1986, as amended, and any
successor thereto and the regulations thereunder. 
 “Committee” means the Compensation Committee of the Board
or if there is no Compensation Committee then the Board. 
 “Common Stock” means common stock, no par value per
share, of the Corporation. 
 “Corporation” means Stonegate Mortgage Corporation, an Indiana corporation.

 “Director” means a member of the Board. 

“Disability” means, except as otherwise determined by the Committee in an option agreement, disability as determined
under procedures established by the Committee for purposes of the Plan; provided, however, in the case of Incentive Stock Options shall have the meaning set forth in the Code. 

“Fair Market Value” means, as of any given date, (1) the closing price for a share of the Common Stock on the
applicable date as reported on an established securities exchange or (2) if not so reported, the fair market value of one share of Common Stock, as determined by the Board and, with respect to Nonqualified Stock Options, in accordance with the
Section 409A of the Code and, with respect to Incentive Stock Options, in accordance with Section 422 of the Code. For purposes of the grant of any Award, the applicable date will be the trading day on which the Award is granted or, if the
date the Award is granted is not a trading day, the trading day immediately prior to the date the Award is granted. For purposes of the exercise of any Award, the applicable date is the date a notice of exercise is received by the Corporation or, if
such date is not a trading day, the trading day immediately prior to the date a notice of exercise is received by the Corporation. 
 “Incentive Stock Options” are Stock Options that are qualified under Section 422 of the Code. 
 “Limitation Amount” is defined in Section 5(b)(iii)(2). 

“Nonqualified Stock Option” means any Stock Option that is not an Incentive Stock Option. 

  
  

			
	EXHIBIT A	  	PAGE A-1

 “Participant” means any employee, consultant or Director selected by the
Committee under Section 2(b)(i) to participate in the Plan and receive an Award 
 “Performance Criteria”
means any areas of performance of the Corporation or any Affiliate including, without limitation: asset growth; combined net worth; debt to equity ratio; earnings per share; revenues; investment performance; operating income (with or without
investment income or income taxes); cash flow; margin; net income, before or after taxes; earnings before interest, taxes, depreciation and/or amortization; return on total capital, equity, revenue or assets; and increase in Fair Market Value of
Common Stock. Any Performance Criteria may be used with or without adjustment for extraordinary items or nonrecurring items. 

“Performance Goals” means the performance goals established by the Committee in connection with the grant of Restricted
Stock, Performance Units, Phantom Stock or Restricted Stock Units, which may or may not be based on Performance Criteria. Such Performance Goals also may be based upon the attaining of specified levels of Corporation and/or Affiliate performance
relative to the performance of other corporations. 
 “Performance Units” means an Award granted under
Section 8. 
 “Phantom Stock” means an Award granted under Section 9. 

“Phantom Stock Payment” is defined in Section 9(b)(ii). 

“Phantom Restrictions” is defined in Section 9(a). 

“Plan” means the Stonegate Mortgage Corporation Amended and Restated 2011 Omnibus Incentive Plan, as set forth herein
and as hereinafter amended from time to time. 
 “Plan Year” means the calendar year. 

“Restricted Stock” means an Award granted under Section 7. 

“Restricted Stock Units” means an Award granted under Section 10. 

“Restriction Period” is defined in Section 7(c)(i). 

“Stock Awards” means an Award granted pursuant to Section 11 and consists of shares of Common Stock awarded to a
Participant without any risk of forfeiture. 
 “Stock Appreciation Right” means an Award granted under
Section 6. 
 “Stock Option” means an Award granted under Section 5. 

“Termination Date” means, with respect to any Participant, the date of the applicable Termination Event. 

“Termination Event” means, (a) in the case of an employee, the termination of the employment relationship between
the employee and the Corporation and each Affiliate; provided, however, that if an employee’s relationship with the Corporation or an Affiliate changes but, after the change, such employee continues to be an employee, then no
Termination Event shall be deemed to have occurred by reason of such change; (b) in the case of a consultant, the termination of the consulting relationship between the consultant and the Corporation and each Affiliate; provided,
however, that if a consultant’s relationship with the Corporation or an Affiliate changes but, after the change, the consultant continues to be a consultant, then no Termination Event shall be deemed to have occurred by reason of such
change; and (c) in the case of a Director, the cessation of services as a member of the Board. 

  
  

			
	EXHIBIT A	  	PAGE A-2

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