Which of the Following Will Result in an Instrument Being

Which of the following will result in an instrument being nonnegotiable?

A) It contains a variable interest rate such that the amount of interest that will be due cannot be determined at the time the note is created.
B) It states that the payment of funds will come from the proceeds of a specific contract.
C) It states that the entire balance will become immediately due in the event of a default by the maker.
D) It states that the rights of the payee to receive payment are subject to the terms of a separate agreement.