A 20 -year loan of $10,000 is to be repaid with level anpual payments. These repayments are calculated based on an annual effective interest, rate of 12% for the first 5 years and 10% thereafter. Immediately following the 10-th repayment, the borrower makes an additional repayment of $500. The annual repayment will be reduced accordingly and assuming the interest basis remains unaltered. Calculate the amount of the revised anmual payment, to the nearest ten