diff --git a/token-lending/program/tests/wrapper_program.rs b/token-lending/program/tests/wrapper_program.rs
index e9840749cbe..fa8ffa6710b 100644
--- a/token-lending/program/tests/wrapper_program.rs
+++ b/token-lending/program/tests/wrapper_program.rs
@@ -31,34 +31,6 @@ use helpers::*;
 use solana_program_test::*;
 use wrapper::processor::liquidate_without_receiving_ctokens;
 
-pub fn reserve_config_no_fees() -> ReserveConfig {
-    ReserveConfig {
-        optimal_utilization_rate: 80,
-        max_utilization_rate: 80,
-        loan_to_value_ratio: 50,
-        liquidation_bonus: 0,
-        max_liquidation_bonus: 0,
-        liquidation_threshold: 55,
-        max_liquidation_threshold: 65,
-        min_borrow_rate: 0,
-        optimal_borrow_rate: 0,
-        max_borrow_rate: 0,
-        super_max_borrow_rate: 0,
-        fees: ReserveFees {
-            borrow_fee_wad: 0,
-            flash_loan_fee_wad: 0,
-            host_fee_percentage: 0,
-        },
-        deposit_limit: u64::MAX,
-        borrow_limit: u64::MAX,
-        fee_receiver: Keypair::new().pubkey(),
-        protocol_liquidation_fee: 0,
-        protocol_take_rate: 0,
-        added_borrow_weight_bps: 0,
-        reserve_type: ReserveType::Regular,
-    }
-}
-
 #[tokio::test]
 async fn test_liquidate() {
     let (mut test, lending_market, reserves, obligations, _users, lending_market_owner) =
@@ -490,6 +462,7 @@ async fn test_withdraw_exact() {
         obligations[0].account.owner,
         // user_transfer_authority_pubkey,
         users[0].keypair.pubkey(),
+        obligations[0].account.deposits.iter().map(|d| d.deposit_reserve).collect(),
         // liquidity amount
         4 * FRACTIONAL_TO_USDC,
     ));
diff --git a/token-lending/wrapper/src/processor.rs b/token-lending/wrapper/src/processor.rs
index 59ff066ab4d..b3bc8dbf284 100644
--- a/token-lending/wrapper/src/processor.rs
+++ b/token-lending/wrapper/src/processor.rs
@@ -1,6 +1,5 @@
 //! Program state processor
 
-use solend_sdk::math::TrySub;
 use borsh::{BorshDeserialize, BorshSerialize};
 use num_derive::FromPrimitive;
 use solana_program::pubkey::PUBKEY_BYTES;
@@ -20,6 +19,7 @@ use solend_sdk::instruction::{
     withdraw_obligation_collateral_and_redeem_reserve_collateral,
 };
 use solend_sdk::math::Decimal;
+use solend_sdk::math::TrySub;
 use solend_sdk::state::Reserve;
 use thiserror::Error;
 
@@ -264,6 +264,11 @@ pub fn process_instruction(
             let user_transfer_authority_info = next_account_info(account_info_iter)?;
             let token_program_id = next_account_info(account_info_iter)?;
 
+            // while account info iter has pubkeys, add them to collateral reserves
+            let collateral_reserves = account_info_iter
+                .map(|account_info| *account_info.key)
+                .collect();
+
             let reserve = Reserve::unpack(&reserve_info.try_borrow_data()?)?;
             let mut ctoken_amount = reserve
                 .collateral_exchange_rate()?
@@ -289,6 +294,7 @@ pub fn process_instruction(
                 *reserve_liquidity_supply_info.key,
                 *obligation_owner_info.key,
                 *user_transfer_authority_info.key,
+                collateral_reserves,
             );
 
             invoke(
@@ -468,6 +474,7 @@ pub fn withdraw_exact(
     reserve_liquidity_supply_pubkey: Pubkey,
     obligation_owner_pubkey: Pubkey,
     user_transfer_authority_pubkey: Pubkey,
+    collateral_reserves: Vec<Pubkey>,
     liquidity_amount: u64,
 ) -> Instruction {
     let (lending_market_authority_pubkey, _bump_seed) = Pubkey::find_program_address(
@@ -475,28 +482,33 @@ pub fn withdraw_exact(
         &solend_program_id,
     );
 
+    let mut accounts = vec![
+        AccountMeta::new_readonly(solend_program_id, false),
+        AccountMeta::new(reserve_collateral_pubkey, false),
+        AccountMeta::new(user_collateral_pubkey, false),
+        AccountMeta::new(reserve_pubkey, false),
+        AccountMeta::new(obligation_pubkey, false),
+        AccountMeta::new(lending_market_pubkey, false),
+        AccountMeta::new_readonly(lending_market_authority_pubkey, false),
+        AccountMeta::new(user_liquidity_pubkey, false),
+        AccountMeta::new(reserve_collateral_mint_pubkey, false),
+        AccountMeta::new(reserve_liquidity_supply_pubkey, false),
+        AccountMeta::new(obligation_owner_pubkey, true),
+        AccountMeta::new_readonly(user_transfer_authority_pubkey, true),
+        AccountMeta::new_readonly(spl_token::id(), false),
+    ];
+
+    accounts.extend(
+        collateral_reserves
+            .iter()
+            .map(|reserve| AccountMeta::new(*reserve, false)),
+    );
+
     Instruction {
         program_id,
-        accounts: vec![
-            AccountMeta::new_readonly(solend_program_id, false),
-            AccountMeta::new(reserve_collateral_pubkey, false),
-            AccountMeta::new(user_collateral_pubkey, false),
-            AccountMeta::new(reserve_pubkey, false),
-            AccountMeta::new(obligation_pubkey, false),
-            AccountMeta::new(lending_market_pubkey, false),
-            AccountMeta::new_readonly(lending_market_authority_pubkey, false),
-            AccountMeta::new(user_liquidity_pubkey, false),
-            AccountMeta::new(reserve_collateral_mint_pubkey, false),
-            AccountMeta::new(reserve_liquidity_supply_pubkey, false),
-            AccountMeta::new(obligation_owner_pubkey, true),
-            AccountMeta::new_readonly(user_transfer_authority_pubkey, true),
-            AccountMeta::new_readonly(spl_token::id(), false),
-        ],
+        accounts,
         data: WrapperInstruction::WithdrawExact { liquidity_amount }
             .try_to_vec()
             .unwrap(),
     }
 }
-
-
-