MEMORANDUM OPINION
H. CLYDE PEARSON, Bankruptcy Judge.
The within Adversary Proceeding is before the Court pursuant to Central Fidelity National Bank's (Bank) complaint to determine dischargeability of a debt. The sole issue is whether the debt was incurred fraudulently pursuant to 11 U.S.C. § 523(a)(2)(A) and (C). For the reasons hereafter stated, this Court holds that the debt is dischargeable.
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