DECISION AND ORDER
ARCARA, District Judge.
INTRODUCTION
Plaintiff-Appellant Bank of America ("Bank") brought an adversary proceeding against Defendant-Appellee Mark E. Jarczyk ("Jarczyk"), seeking to hold Jarczyk's credit card debt nondischargeable under 11 U.S.C. § 523(a)(2)(A). The bankruptcy court granted summary judgment in favor of Jarczyk, finding that the Bank was unable to establish several elements of its claim. The Bank appeals...
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