Court of Appeals of the State of Georgia ATLANTA, February 22, 2013 The Court of Appeals hereby passes the following order A13D0219. JOHN C. OTTO v. SUNTRUST BANKCARD, N.A..

Upon consideration of the Application for Discretionary Appeal, it is ordered that it be hereby DENIED.

LC NUMBERS: 2005VS080182

Court of Appeals of the State of Georgia Clerk's Office, Atlanta, February 22, 2013.

I certify that the above is a true extract from the minutes of the Court of Appeals of Georgia.

Witness my signature and the seal of said court hereto affixed the day and year last above written.

, Clerk.