HABITAT FOR HUMANITY OF ORANGE COUNTY (5)

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EXHIBIT D The term default also includes an Ownership Default and a Maintenance Default as more fully defined and described herein. Notwithstanding the foregoing for purposes of acceleration of the Homebuyer Loan, or initiation of foreclosure proceedings there shall be a distinction between the types of default hereunder, including an "Ownership Default" and a "Maintenance Default." The term "Ownership Default" means the failure of Homebuyer to perform any action or covenant required by the Affordable Housing Resale Restriction related to ownership, owner-occupancy, lien priority, and restrictions on sale and resale of the Property subject to the notice and opportunity to cure provisions set forth herein. A default of any obligation secured by the First Lien shall be a cross-default and also constitute an Ownership Default. The term "Maintenance Default" means the failure of Homebuyer to perform any action or covenant required by Restriction relating to a "Maintenance Deficiency," including the ongoing upkeep, maintenance, and use of the Property in decent, safe, sanitary, clean, and neighborly manner, subject to the notice and opportunity to cure provisions set forth herein(and expressly excluding an Ownership Default). "Developer" means Habitat for Humanity of Orange County, a non-profit public benefit corporation. "First Lien" means the lien of the institution making the purchase money mortgage loan to Homebuyer for the purchase of the Property. "Homebuyer" means the person or persons set forth in the first paragraph of this Restriction, and their successors and assigns. "Legal Description"means the legal description of the Property which is attached hereto as Exhibit A and incorporated herein. "Low Income" and "Low Income Households" means low income households as defined in Health & Safety Code Section 50079.5. "Notice of Intent to Transfer" means the Notice of Intent to Transfer attached hereto as Exhibit B and incorporated herein by reference. "Permitted Transfer" means any Transfer which is permitted pursuant to Section 4 hereof. "Prohibited Transfer" means any Transfer which is not permitted pursuant to Section 4 hereof. "Property" means that certain real property located at the street address set forth in Recital A and legally described in the Legal Description. "Purchase Agreement"means that certain agreement pursuant to which Homebuyer has agreed to purchase the Property from the Developer. "Request for Approval of Proposed Transferee" means the Request for Approval of Proposed Transferee attached hereto as Exhibit B and incorporated herein. 3 EXHIBIT B