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A bank must make a single payment of 500,000 Swiss francs in six months at the maturity of a CD. The FI's in-house analyst expects the spot price of the Franc to remain stable at the current $0.80/Sf. But as a precaution, the analyst is concerned that it could rise as high as $0.85/SF or fall as low as $0.75/SF. Because of this uncertainty, the analyst recommends that the Fl hedge the CD payment using either options or futures. The FX risk facing the bank is: O USD appreciation Swiss Franc appreciation O Swiss Franc depreciation because it will cost the bank more in USD O Swiss Franc depreciation O USD appreciation because it will cost the bank more in USD