Jake requires a loan of $$5,000$ to pay his mother's hospital bills. He asks Ursula, his co$-$worker, for the loan. She agrees to give him the money but does not ask for a collateral in exchange. Which of the following would be true in this scenario?

a$.$ The security agreement for this exchange is invalid as the description for the security interest is supergeneric.

b$.$ The security agreement for this exchange can be oral.

c$.$ The security agreement for this exchange will have to be evidenced by some record that meets all requirements.

d$.$ The security agreement for this exchange is invalid as it is electronically authenticated by Jake.