Looking to spice up his social life, Harvey purchased a 2022 hot red Alfa Romeo convertible from Anissa’s Alfa, Inc., an authorized Alfa Romeo car dealer. The purchase price including all taxes and other fees was $74,000. Harvey put down $24,000, and financed the balance through Alexa Lending Corp., a company that regularly did lending related with business Anissa’s Alfa, Inc. On May 1 Harvey and Alexa entered into a security agreement naming the purchased car as collateral, and on that date Harvey signed a negotiable promissory note in the amount of $50,000 payable with 12% interest per year in equal monthly installments for sixty months at which time the loan would be liquidated in full, as provided in the loan agreement between Harvey and Alexa. Also on May 1 Alexa properly filed Financing Statements concerning the transactions. On May 2 Harvey arranged for appropriate insurance coverage over the car, and on May 5 Harvey took title to the car and eagerly drove it away. Harvey was never aware that the car he purchased was part of collateral that helped secure a loan Anissa’s Alfa had with Ben Bank. (All events took place during 2021.)              

Which of the following was not required to create the promissory note in this situation?

a. A sufficient writing signed by Harvey as maker.            

b. A sufficient writing signed by Harvey as drawer.

c. An indication in the note of a sum certain to be paid.

d. That the note was payable to a named person or to bearer.