M&T Bank believes Malaysian ringgit $($MYR$)$ will depreciate over the next $18$ days from $$0\mathrm{.}21$ to $$0\mathrm{.}20.$ The following annual interest rates apply:

Currency Lending Rate Borrowing Rate

Dollars $($$$)5\mathrm{.}25\%5\mathrm{.}30\%$

Malaysian ringgit $($MYR$)3\mathrm{.}25\%3\mathrm{.}30\%$

M&T Bank has the capacity to borrow either MYR$10$ million or $$10$ million. If M&T Bank's forecast is correct, how shall M&T Bank implement its speculating trading activities and what will its dollar profit be from speculation over the $18-$day period $($assuming it does not use any of its existing consumer deposits to capitalize on its expectations$)?(30/360$ convention used for the interest calculation, i$.$e$.,$ assuming $360$ days a year$)$

M&T Bank shall borrow MYR$10$ million. Doing so$,$ M&T Bank will have the speculative profit of $$102,212\mathrm{.}50.$

M&T Bank shall borrow MYR$10$ million. Doing so$,$ M&T Bank will have the speculative profit of $$491,075\mathrm{.}00.$

M&T Bank shall borrow $$10$ million. Doing so$,$ M&T Bank will have the speculative profit of $$500,562\mathrm{.}50.$

M&T Bank shall borrow $$10$ million. Doing so$,$ M&T Bank will have the speculative profit of $$102,315\mathrm{.}00.$