On September $1,2021,$ Susan Chao bought a motorcycle for $$20,000.$ She paid $$1,200$ down and financed the balance with a five$-$year loan at an annual percentage rate of $6\mathrm{.}2$ percent compounded monthly. She started the monthly payments exactly one month after the purchase $($i$.$e$.,$ October $1,2021).$ Two years later, at the end of October $2023,$ Susan got a new job and decided to pay off the loan. If the bank charges her a $1$ percent prepayment penalty based on the loan balance, how much must she pay the bank on November $1,2023?($Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.)$

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