FINDING OF FACT, OPINION AND CONCLUSIONS OF LAW
RANDALL J. NEWSOME, Bankruptcy Judge.
This matter is before the Court pursuant to a complaint filed by the First National Bank of Cincinnati alleging that a debt owed by defendant Robert Hagedorn is not dischargeable in bankruptcy under 11 U.S.C. § 523(a)(2)(A). Pursuant to the December 13 trial held on such complaint, the Court hereby submits its findings of fact, opinion and conclusions of law:
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