Explain whether the following are negotiable instruments:

• An instrument that recites "I.O.U., John Smith, $500."
• A note for $1,000 payable to the order of George Lincoln 3 months after the death of John Franklin.
• A note for $10,000 that is payable in 30 equal monthly installments ($333.33/each) providing "If the maker dies, all payments not yet due are herebycancelled."