Pam Signs an Instrument Payable to the Order of Quick

Multiple Choice

Pam signs an instrument payable to the order of Quick Credit, Inc., that allows a holder to demand payment of the entire amount due, with inter?est, if Pam 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.