SNELL, Justice.
In early 1983 David Dumont sought a loan in the amount of $25,000 from the Wellman Savings Bank to make alterations in his farming operation. The bank determined that Dumont lacked adequate security and declined to make the loan unless he could find a guarantor. He talked to his mother, Verna Adams, about acting as guarantor, and after some initial hesitation she acquiesced.
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