Tom has filed for Chapter 7 bankruptcy. He owes the Bank $2,000, secured by his car, and would like to reaffirm the debt so that the Bank does not repossess his car. He goes to the Bank before his debt is discharged and explains this to the Bank. The Bank prepares a reaffirmation agreement which Tom signs, and the agreement is filed with the bankruptcy court. Tom did not have an attorney present at the time, but the agreement was approved by the Bankruptcy court prior to Tom's signing. 120 days after Tom signs the agreement, he changes his mind and asks the court to declare the agreement legally unenforceable. Which of the following, if true, is a reason for declaring the reaffirmation agreement legally unenforceable under the Bankruptcy Code?
1. The agreement was signed prior to discharge of Tom's debt.
2. Tom did not receive the disclosures specified in section 524(k) at or before he signed the reaffirmation agreement.
3. Tom was not represented by an attorney.
4. Tom validly rescinded the agreement within the time specified by the Bankruptcy Code.