David borrowed a loan from Bank A for $15,000 for buying a car. The loan is for five years and is fully amortized. The effective annual rate on the loan is 16.08 percent, and payments are made at the end of each month. Early payment will impose two months interest as penalty. Required: If David wants to make early full payment right away after the 30th payment, advise him the total amount. (Total 6 marks)