I arrange with my bank to borrow $12,500 for five year automobile loan. The bank will charge me 9.5% per year using the add-on method for computing finance charges. There are other finance charges in addition to interest (e.g., loan processing fee, credit report fee -- and a few more). Altogether, I'll wind up paying $19,470 over five years to the lender. What are the total finance charges for this loan?