MEMORANDUM OPINION
STEPHANI W. HUMRICKHOUSE, Bankruptcy Judge.
The trial of this adversary proceeding initiated by the debtor, M&M Independent Farms, Inc., against Rural Community Insurance Agency, Inc. d/b/a Rural Community Insurance Services ("RCIS"), was held in Raleigh, North Carolina, on May 1 and 2, 2012. At the close of the debtor's evidence, RCIS moved for a directed verdict, which was taken under advisement, and RCIS proceeded with its evidence...
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