On September $1,2021,$ Susan Chao bought a motorcycle for $$33,000.$ She paid $$1,000$ down and financed the balance with a five$-$year loan at an annual percentage rate of $7\mathrm{.}5$ 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 $2$ percent prepayment penalty based on the loan balance, how much must she pay the bank on November $1,2023?$