Bon Signs a Promissory Note for $12,500 in Favor of Car

Bon signs a promissory note for $12,500 in favor of Car Loans Inc. The note specifies payment by a certain date and includes an option to pay early. This note is

A) negotiable.
B) nonnegotiable, because the date for payment is uncertain.
C) nonnegotiable, because the option violates negotiability requirements.
D) nonnegotiable, because the note need not be paid until the specified date.