Equal Credit Corp has in its possession an instrument dated May 1, 2019. The instrument is payable to the order of Frat Guys Moving & Storage Company "on June 1, 2020," for $5,000. In the upper left corner is an address for Greater Metro Development Corporation10 Corporate Park Avenue, Chicago, Illinoisand in the lower right corner is the signature of "Hilltop Investments, Inc., By Ada, President." In the lower left corner is stamped "ACCEPTED: Greater Metro Development Corporation by John, President, May 5, 2019." On the back is the signature of "Frat Guys Moving & Storage Company by Kathleen, President." Does the instrument meet all the elements of negotiability?Explain all of the elements and if each one is met. Who, if anyone, is primarily liable on this instrument on May 1? On May 5? Who, if anyone, is secondarily liable on this instrument? Fully explain your answer.

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