In order to hedge their interest rate risk for borrowing beginning 3 months from now, ExxonMobils treasury department entered into a 3x5 Forward Rate Agreement (FRA) with Barclays with a notional of $100mm where LIBOR was the reference rate and the forward rate agreement rate was 7%. If in 3 months, 2-month LIBOR decreased to 4.5%, what transfer would take place at the settlement date?