XYZ Corp Has a Calendar Year End The Average Rates in Effect for 2019 and 2020 Were

XYZ Corp. has a calendar year end. On January 1, 2019, the company borrowed $5,000,000 U.S. dollars from an American Bank. The loan is to be repaid on December 31, 2022 and requires interest at 5% to be paid every December 31. The loan and applicable interest are both to be repaid in U.S. dollars. XYZ does not hedge to minimize its foreign exchange risk. The following exchange rates were in effect throughout the term of the loan:
$$\begin{array} { | l | l | } \hline \text { Jaruary } 1,2019 & \text { US } \$ 1 = \text { CDN } \$ 1.1500 \\\hline \text { December } 31,2019 & \text { US } \$ 1 = \text { CDN } \$ 1.1490 \\\hline \text { December } 31,2020 & \text { US } \$ 1 = \text { CDN } \$ 1.1485 \\\hline \text { December } 31,2021 & \text { US } \$ 1 = \text { CDN } \$ 1.1483 \\\hline \text { December } 31,2022 & \text { US } \$ 1 = \text { CDN } \$ 1.1487 \\\hline\end{array}$$ The average rates in effect for 2019 and 2020 were as follows:
$$\begin{array} { | l | c |} \hline2019 : & \text { US } \$ 1 = \text { CDN } \$ 1.1493 \\\hline 2020 : & \text { US } \$ 1 = \operatorname { CDN } \$ 1.1487 \\\hline\end{array}$$ By what amount (in Canadian Dollars) would XYZ have to adjust its Loan Liability on December 31, 2020 as a result of the year's foreign exchange rate fluctuations?

A) $3,500 decrease
B) $2,500 decrease
C) $2,500 increase
D) Nil