Janine signs a mortgage for $250,000.00 at 9% c.m. to be amortized with equal monthly payments of $2249.31 over 20 years, term 4 years. On the 1st anniversary date (12th payment) she makes an additional payment of $25,000.00 that is subject to a penalty clause requiring a penalty of three times one month's interest on any prepaid principal. Calculate the balance at the end of the term