OPINION OF THE COURT
After consideration of oral arguments and briefs, the opinion of the Court of Appeals by Judge Gudgel, as set forth below, is hereby adopted as the opinion of this court.
"This appeal stems from an action to enforce two promissory notes. Appellant, Mammoth Cave Production Credit Association (PCA), asks us to determine whether appellees, James K. Bale and B.A. Guilfoil (Bale and Guilfoil), had any valid affirmative defense to the enforcement...
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