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D is corrent. The instrument in question is a promissory note that contains all the requirements of negotiability per Article 3 of the UCC. A promissory note is a two-party instrument in which the maker promises to pay a fixed amount in money to the payee.
A is incorrect. A negotiable investment security is a median for investment that evidences a share or other interest in property per Article 8 of the UCC.
B is incorrect. Stating the security given for the note does not affect the promissory note’s negotiability.
C is incorrect. Provisions for prepayment by the purchaser and certain additions to the fixed amount (such as costs of collection and attorney’s fees) do not affect the promissory note’s negotiability. The instrument is still payable at a definite time and contains a fixed amount in money.