22) An incomplete instrument cannot be enforced until it is (2pts) O materially altered rewritten O completed O judicially determined to be enforceable 23) If an instrument provides for the payment of interest, but does not state the rate, the rate will be: 10% the maximum rate allowable by law O the judgment rate at the place of payment 0 0% (2pts) 24) An endorser who does not want to assume the liability of paying on the instrument if the primary obligor does not pay should add to the endorsement: O N.S.F. O without recourse O for deposit only O all rights reserved 25) Tom executed a note in favor of Jerry for $5,000. The note required Tom to make monthly payments (2pts) of $500 a month for 10 months. If Tom missed a payment, the entire balance still due on the note would become due and payable. This provision in the note is an ---_ clause. O allonge extension O acceleration O punitive