Which of the following is not true concerning credit risk faced by swap bank? 1. Swap bank always face some credit risk II. If the swap bank make sure both parties are AAA rated, they can eliminate all their credit risks III. If the swap bank only accept fixed rate and pay LIBOR, it can eliminate credit risk. IV. If a swap bank only accept LIBOR and pays fixed rate, it can eliminate credit risk. I and IV only I only IV only 11. lll and IV