OZ Bank issues a one-year Australian certificate of deposit to finance a US$1 million investment in one-year fixed rate U.S. bonds. The interest rate of AU$ CD is 5% per annum. and the yield to maturity of the US bond is 10% per annum. Currently, spot exchange rates are AU$1.25 per US dollar. What will be the end-of-year profit or loss to the bank if the exchange rate falls to AU$1.20 per US dollar in one year?