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201101495 <br />IN WITNESS WHEREOF, Borrower(s) has executed this VA Guaranteed Loan and Assumption <br />Policy Rider. <br />Richard L. Koch <br />(Seal) <br />- Borrower <br />,G/�� � (Seal) <br />Kathleen L. Koch -Borrower <br />(Seal) <br />- Borrower <br />(Seal} <br />- Borrower <br />�Q-539R (0405) Page 3 of 3 <br />DDS-VGL <br />�� <br />I I�I� I�I IIIN I�II iIG qll� WI�I ��III II�I �IM I�II III� �II II� <br />OOOOVGL669856 <br />