A building contractor gives a $15,000 promissory note to a plumber who has loaned him $15,000. The note is due in 9 months with interest at 5%. Three months after the note is signed, the plumber sells it to a bank. If the bank gets a 7% return on its investment, how much will the plumber receive? Will it be enough to pay a bill for $15,039? How much will the plumber receive? (Round to the nearest cent as needed.)