exhibit 10. 28 june 17, 2010 mr. curt byers vice president, secondary marketing manager homestreet bank 601 union street, suite 2000 seattle, wa 98101 re : master agreement # : ma10042083 master commitment # : m10042083 seller / servicer # : 727808 dear mr. byers : enclosed is one original master agreement and master commitment together with any applicable attachments. in order to accept and confirm the terms of freddie mac ’ s offer, you must sign the original master agreement signature page in the space provided and then fax or email that page by july 9, 2010 to : freddie mac attention : ms. cynthia knox, contracting specialist fax : 571 # # # - # # # - # # # # email : * * * @ * * * if the master agreement signature page is not executed and returned by the date specified, then freddie mac ’ s offer contained in the master agreement, at freddie mac ’ s option, will be null and void. if you have any questions, please contact your account manager, ms. jennifer kennelly at ( 206 ) # # # - # # # - # # # # or your deal & contract manager, ms. linda stone at ( 213 ) # # # - # # # - # # # #. / s / paul mullings enclosures ck / 727808 _ mamc10042083 _ homestreet bank / ljse - 84nnfh / jk master agreement this master agreement # ma10042083 ( this “ agreement ” ) dated as of june 17, 2010, ( the “ agreement date ” ) is made by and between freddie mac and homestreet bank, seller / servicer # 727808 ( “ seller ” ). this master agreement incorporates the provisions of the freddie mac single - family seller / servicer guide ( the “ guide ” ), and supplements the guide. unless otherwise specified, the terms and conditions described in this agreement shall apply to mortgages sold by seller under a master commitment that incorporates this agreement by reference. this agreement does not entitle seller to sell or obligate freddie mac to purchase mortgages unless they have entered into a master commitment incorporating the terms of this agreement. master agreement amount : $ 200 million effective date for delivery : june 22, 2010 required delivery date : may 31, 2011 overpurchase tolerance