Suppose you have an Equity-Indexed Universal Life policy and your Account Value at the end of the segment term, all of which is exposed to the index crediting mechanism, is $135,000. The participation rate is 90%, the growth cap is 12%, and the growth floor is 1%. If the change in the index over the segment term is 15%, how much is your interest credit for the segment term? Be sure to show your calculations and explain how you found your answer.