A Bank Has a Negative Repricing Gap Using a Six-Month

A bank has a negative repricing gap using a six-month maturity bucket. Which one of the following statements is most correct if MMDAs are rate-sensitive liabilities?

A) If all interest rates are projected to increase,to limit a profit decline when this occurs,the bank could encourage its retail deposit customers to switch from two-year CDs at current rates to three-month CDs.
B) If all interest rates are projected to decrease,to limit a profit decline when this occurs,the bank could encourage its retail deposit customers to switch from MMDAs to two-year CDs at current rates.
C) If all interest rates are projected to decrease,to limit a profit decline when this occurs,the bank could encourage its retail deposit customers to switch from three-month CDs to two-year CDs at current rates.
D) If all interest rates are projected to increase,to limit a profit decline when this occurs,the bank could encourage its retail deposit customers to switch from two-year CDs at current rates to MMDAs.
E) If all interest rates are projected to increase,to limit a profit decline when this occurs,the bank could encourage its retail deposit customers to switch from MMDAs to two-year CDs at current rates.