Protect&Ample Ltd, a start-up company offering a wide range of cleaning agents and personal care products in Singapore, has recently delivered an order with face value amounting to 665,000 pula (P) to Delta Pharmaceuticals Pty Ltd. of Botswana. The delivery will be conducted under the terms of a letter of credit issued by a Botswana bank on behalf of Delta Pharmaceuticals. The letter of credit specifies that the face value of the order will be paid in 90 days, after the Botswana bank accepts a draft drawn by Protect&Ample in accordance with the terms of the letter of credit.

According to Protect&Ample bank, the current discount rate at the money market for 90 days banker's acceptance is 3% per annum and an additional commission of 1% will be charged for the sale of banker's acceptance. The Singapore dollar (S$) is currently trading at P 7.0000 and is expected to drop by 5% against the pula in 90 days. Protect&Ample current weighted average cost of capital is 13% per annum.

Do you recommend Protect&Ample to hold the acceptance until maturity or sell it in the money market at once? Assume 360 days a year and 30 days a month.