MEMORANDUM OPINION
ALAN C. STOUT, Bankruptcy Judge.
This matter came before the Court for trial on January 10, 2012. Both the Defendant, Norman S. O'Nan ("O'Nan") and the Plaintiff, Bank of Henderson (the "Bank") appeared with counsel. The parties presented testimony and exhibits for the Court to consider. The Court enters the following Findings of Fact and Conclusions of Law pursuant to Fed. R. Bank. P. 7052.
FINDINGS OF FACT
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