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IN WITNESS WHEREOF, Mortgagor(s) has executed this V.A. Rider. <br />Joshua C Hartley <br />Amber Hartley <br />202305972 <br />eal) (Seal) <br />-Borrower -Borrower <br />(Seal) (Seal) <br />-Borrower -Borrower <br />Loan Origination Company & NMLS Id: Charter West Bank - 466077 <br />Loan Originator & NMLS Id.: Amy L Otto - 491143 <br />MULTISTATE - V.A. RIDER <br />FORM 438 1/16 (rev 7/21) <br />Laser Forms Inc.#VA438 7/21 <br />Page 3 of 3 1111 <br />RUM <br />rig <br />i <br />