Not much ado until you try hooking it up that way. So your proposal is to treat the existing bank as one big 12 volt battery and put it in series with the last, fourth battery. Then tap the current 12v load off the exisiting bank. Now, how do you plan on charging that set up, and how do you avoid burning through batteries in the process? You could hook up a two bank charger, one lead to the main bank and one to the odd man out. But it ain't going to solve the overall issue.