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IN WITNESS WHEREOF, Borrower(s) has executed this VA Guaranteed Loan and Assumption Policy <br />Rider. <br />Borrower <br />HCFG -00782 <br />Veterans Affairs Guaranteed Loan and Assumption Policy Rider <br />VMP® 12/11 <br />Wolters Kluwer Financial Services © 1999, 2009 2016033015,3.2.3509- J20151030Y Page 3 of 3 <br />i <br />11 <br />i11 <br />201601879 <br />1 <br />11 <br />1 <br />11 <br />11 <br />11 <br />