A note from Mark Johnson with HealthCo International as payee for

$28,979.15 included the following language:

[p]ayable in , Successive Monthly Installments of $ Each, and in 11 Successive Monthly Installments of $2,414.92 Each thereafter, and in a final payment of $2,415.03 thereafter. The first installment being payable on the day of 20 , and the remaining installments on the same date of each month thereafter until paid.

Johnson signed the note. Is it negotiable? [Barclays Bank, P.L.C. v Johnson, 499 SE2d 769 (NC App)]

AppendixLO1