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In order to be negotiable, a promissory note must be a signed, unconditional promise to pay a sum certain in money which is payable on demand or at a definite, stated time. The note must be payable to order or bearer and contain no other promise, order, obligation, or power given by the maker except as authorized by sections 1303.01 to 1303.78, inclusive, of the Revised Code. R.C. 1303.03; UCC 3-104.

The policy under pre-Code law was that instruments should be as concise as possible and free from collateral engagements. Akron Auto Finance Co. v. Stonebraker (1941), 66 Ohio App. 507, 35 ...