Identify the one factor not required with respect to the attachment and perfection of a secured creditor's security interest.
a. The creditor must either have registered the interest or have taken possession of the collateral.
b. The creditor must have agreed to be governed by the applicable legislation.
c. The creditor must have given some value to the debtor.
d. The item of collateral must be identified either by the creditor's possession of it or by a statement signed by the debtor.
e. The debtor must have legal rights in the collateral.