WebCitizens Bank of Hayfield (bank) made loans to them of $450,000 and $100,000 in December 1981 and 1983 respectively, which were 90 percent guaranteed by the Small Business Administration (SBA). The bank obtained personal guarantees from Leth for $250,000 of these loans. He put up 80 acres of farmland as collateral for the $450,000 loan.

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