Sue has obtained a personal loan of $5000 at 13.25% simple interest for 4 years. She paid all the monthly payments except the last five payments, which she wanted to pay all at once.

1) What would be the total of the last five regular payments that Sue was planning to pay?

2) How much would the bank wanted her to pay, reminding her that her loan contract carries a pre-payment penalty?

3) How much would that pre-payment penalty be?