BRECKENRIDGE, Judge.
Forest Lake State Bank (Forest Lake), the assignee of an account, appeals from the trial court's entry of summary judgment in favor of Elgard Corporation (Elgard), the account debtor. Forest Lake raises one point on appeal claiming that the trial court erred in awarding Elgard summary judgment because § 400.9-318(3), RSMo Cum.Supp.1992,
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