Bill borrowed $20,000 from Bank. Frank granted Bank a security interest in his personal automobile to secure Bill’s obligation, but does not agree to be personally liable for Bill's repayment of his obligation. Joe agrees to co-sign on Bill’s promissory note, thus acting as a surety for Bills obligation.  Bill defaults on his obligation to Bank.  Prior to foreclosure, to whom must Bank give notice to satisfy its obligation under Article 9?

1. Bill only

2. Frank only

3. Bill, Joe, and Frank

4. Joe and Frank only