John deposits 10,000 in a bank. During the first year, the bank credits an annual effective interest rate of i. During the second year, the bank credits an annual effective rate of interest i 6%. At the end of two years, he has 12,093.75 in the bank. What would John have in the bank at the end of three years, if the annual effective rate of interest were i + 9% for each of the three years? Calculate to the closest value.