The only person I have seen with three MVOs with swords is Franz Ritter von Epp. He wore his 3rd Class with Crown and Swords awarded in 1914 for World War I, his 3rd Class with Swords (formerly Knight 1st Class) awarded in 1906 for Southwest Africa, and his 4th Class with Swords (formerly Knight 2nd Class) awarded in 1901 for China. Presumably, he interpreted the provisions of Article XI of the Statutes of the MVO - "Kriegs- und Friedensdekorationen werden nebeneinander, auch in verschiedenen Klassen, getragen." - to mean that war decorations from different wars could be worn together, and not just a peacetime non-swords award with a swords award. And probably no one was going to tell him he was wrong. In the higher grades, there was a provision for wearing multiple awards, but this wouldn't apply to a ribbon bar. A recipient of the Officer's Cross continued to wear his 3rd or 4th Class on the medal bar. If he received the 2nd Class, the 3rd or 4th Class was removed, but he continued to wear the Officer's Cross. If he received the Star to the 2nd Class, then he turned in the Officer's Cross.