Fact Pattern $21-1$

Petro Oil Refinery asks Quality Bank for a loan to increase its oil inventory. Quality requires Robin, Petro$$s president, sign a personal guaranty to pay the debt if Petro defaults. Meanwhile, to sell fifty barrels of refined oil to Slick Lubricants, Inc., Petro asks its outside accountant Tina to co$-$sign a credit application.

Refer to Fact Pattern $21-1.$ If Robin is a guarantor, then the guaranty is required to be in writing because of$$

a$.$

$$the debtor$$s right of redemption.

b$.$

$$the Statute of Frauds.

c$.$

$$the creditor$$s transfer of possession.

d$.$

$$the co$-$signer$$s right of contribution