[Financial Management]

On September 1, 2015, I bought a car for $30,000. I paid $1,000 down and financed the balance with a five-year loan from Nonhyop bank at an annual interest rate of 7.2% with monthly compounding. I started the monthly payment exactly one month after the purchase (i.e., October 1, 2015). Two years later, at the end of October 2017, I got a new job and decided to pay off the loan on the 1 of November. I have to pay the monthly payment for the November but I can prepay remaining balance. The bank will charge me a 1% prepayment penalty based on the remaining balance. How much should I pay the bank on November 1, 2017?