Sanchita signs an instrument in favour of Brian that indicates that the instrument is subject to an agreement dated 08/01/12 as well as between Sanchita and Brian. This instrument is-
a. Negotiable
b. Non-negotiable, for the reason that it refers to another agreement
c. Non-negotiable, for the reason that it is made subject to another agreement
d. Non-negotiable, for the reason that neither Sanchita Brian nor any other party is a financial institution or bank (as such terms are largely defined by the UCC)