Joe plans to deposit $200 at the end of each month into a bank account for a period of 2 years, after which he plans to deposit $300 at the end of each month into the same account for another 3 years. If the bank pays interest at the rate of 3.5%/year compounded monthly, how much will Joe have in his account by the end of 5 years? (Assume that no withdrawals are made during the 5-year period.)