BROWN, Judge.
In 1988, Robbie's Auto Body Shop, Inc. (Robbie's Auto), executed and delivered to the Bank of Jena (Bank) a promissory note in the amount of $92,996.23. This note was endorsed and guaranteed by Robbie McNemar, Debbie McNemar and Julius A. McNemar. The note was secured by various collateral mortgages, one of which covered land and improvements used as a shop by Robbie's Auto.
Because of a prior history of fire loss, Robbie's Auto was uninsurable...
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