(creditor (bank) sought judgment that debt was nondischargeable under 11 U.S.C. Sec. 523(a)(2)(A) on the basis that the loaned funds were fraudulently obtained; debtor's motion to dismiss granted because 11 U.S.C. Sec. 523(a)(2)(A) and (a)(2)(B) are mutually exclusive;. (A) specifically excludes debts obtained via a statement "respecting a financial condition" and (B) requires that a statement "respecting a financial condition must be in writing to be actionable; debtor merely made oral statements via a telephonic loan application process).