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[Music] hi im manny fitzsimmons im your washington realtors legal hotline lawyer and in this very competitive market where so many buyers are including the form 22 a d the increased down payment addendum there is a question that constantly comes to the watch to the hotline email the question says if a buyer is a va buyer which necessarily means that the buyers purchase and sale agreement includes the amendatory clause provision and the buyer includes a form 22 a.d the increased down payment addendum which provision trumps which provision controls the other in the event of a dispute the amendatory clause says essentially the following it says that if the buyers lenders appraisal the va appraisal comes in below the purchase price buyer is excused from performance of the transaction buyer cannot be obligated to perform the terms of the transaction if the va appraisal comes in low and i seems like i always receive this question in correspondence with a va by a va buyers offer but of