OPINION
NAJAM, Judge.
STATEMENT OF THE CASE
Stephen and Connie Ratcliff, Prairie Production, Inc., and Battleground Hybrids, Inc. (collectively the "Ratcliffs") appeal the trial court's grant of a motion to dismiss in favor of Citizens Bank of Western Indiana (the "Bank") and Dan J. Fehrenbach (collectively, the "defendants") on the Ratcliffs' multi-count civil complaint. The following two consolidated issues are dispositive of our review:
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