Hayley Signs an Instrument Payable to the Order of InstaCredit,Inc

Multiple Choice

Hayley signs an instrument payable to the order of InstaCredit,Inc.,that allows a holder to demand payment of the entire amount due,with inter?est,if Hayley fails to make a payment.This instrument is

A) negotiable.
B) nonnegotiable,because a holder can move up the payment date.
C) nonnegotiable,because moving up the payment date is conditional.
D) nonnegotiable,because the exact payment date cannot be deter?mined from the face of the instrument.