Is the Following Instrument Negotiable? "On January 3,2012,I Promise to Pay

Multiple Choice

Is the following instrument negotiable? "On January 3,2012,I promise to pay to the order of Mary Atkins the sum of $500 plus interest at the rate of Citibank's prime rate as of January 3,2012.The interest rate shall be 15% per year after January 3,2012.Further,I will pay the costs of collection if legal action is necessary to collect this amount.Dated this January 3,2008.(Signed) Colleen Smith."

A) Yes, this is a negotiable instrument.
B) No, there is not an unconditional promise or order to pay.
C) No, interest at the legal rates does not constitute a fixed amount.
D) No, the different interest rate after default destroys negotiability.
E) No, the additional promise to pay collection costs destroys negotiability.