To finance the purchase of a car from Giant Auto Sales, Hoppy signs an instrument promising to pay to "Ideal Credit Union" $25,000 with interest in installments with the final payment due May 15, 2016. To be negotiable, this instrument must include on its face:

1. any conditions on the sale of the car.
2. any conditions to the disbursement of the funds.
3. any conditions to the repayment of the loan.
4. no conditions.