XYZ Corporation has annual cash demand of P3,000,000  for a fund set aside for operating expenses. The cost to transfer funds into this account is P500 each time. If cash was not placed into this fund, it would have earned 4% annually. Its current policy is to transfer P125,000 every 15 days. What is the increase /(decrease) in income if the Optimum Cash Balance model was applied to this account?