Ed buys aVT from Al for $480$ by paying $50$ ni cash, $100$ every three months for one year $($four payments of $100),$ and a final payment in $15$ months $($three months after the final quarterly payment$).$ Find the amount of the final payment if Al earns a$-3$ month compound interest rate of $3\%.$ What si the final payment fi Al earns a one$-$month rate of $1\%?$