Debbie is in desperate need of money. She goes to her bank and asks for a $10,000 loan. The bank agrees to loan the money to Debbie if she will grant the bank a non-possessory security interest in her car. As part of their agreement, which of the following steps is unnecessary to create a valid security interest in Debbie’s car?

A) Having Debbie sign a security agreement

B) The bank's committing to lend the money to Debbie

C) Including a description of the car in the security agreement

D) All of the above steps are necessary.