answer: Mr. Ludlow gives #Person1# documents to have a discounting and #Person1# transacts it without a fee.
documents: #Person1#: Mr. Ludlow, hello. It's good to see you again. What can we do for you today?
  #Person2#: Hello, I'm sorry it's been such a long time. I've been away on business. I'd like to discount this.
  #Person1#: No problem. Could I please see the bill and all of the other documents?
  #Person2#: Yeah, sure. Here they are. Take your time going through them, I'm in no hurry.
  #Person1#: There's no problem here, everything's in order. I can transact that for you now.
  #Person2#: Do I need to pay anything? Like a handling fee, or something?
  #Person1#: No, you don't need to pay anything on top. We just simply deduct the discounting interest.