A note is made payable to the order of Ann Jackson on the front. On the back, Ann Jackson signs it in blank and delivers it to Jerry Lin. Lin puts “Pay to Jerry Lin” above Jackson’s endorsement. Which of the following statements is false concerning this note?

a. After Lin wrote “Pay to Jerry Lin,” the note became order paper.

b. After Jackson endorsed the note but before Lin wrote on it, the note was bearer paper.

c. Lin needs to endorse this note to negotiate it further, even though he personally wrote “Pay to Jerry Lin” on the back.

d. The note is not negotiable because Lin wrote “Pay to Jerry Lin” instead of “Pay to the order of Jerry Lin.”