A loan of $10,000 is to be repaid over 6 years with equal monthly payments at j12 = 15%. After 4 years, the outstanding balance on the loan is $4361.00. The loan carries a prepayment penalty equal to 3 times one month's interest on the outstanding balance. The borrower refinances the loan with another bank over the remaining 2 years at j12 = 12%. Taking into account the penalty, what is the new monthly payment?