An instrument complies with the requirements for negotiability contained in the Commercial Paper Article of the Uniform Commercial Code. The instrument contains language expressly acknowledging the receipt of $10,000 by the First Bank of Grand Rapids and an agreement to repay principal with interest at 15% one year from date. The instrument is

a. Nonnegotiable because of the additional language.

b. A negotiable certificate of deposit.

c. A banker's draft.

d. A banker's acceptance.