Which of the following are characteristics of Notes Payable and not Accounts Payable? $($Select all that apply.$)$

Multiple select question.

Only notes Payable have interest charges.

Notes Payable are documented with formal documents called notes.

Notes Payable are liabilities; Accounts Payable are not.

Notes Payable are amounts owed to creditors; Accounts Payable are not.

Notes Payable are amounts borrowed from a lender; Accounts Payable are not.