You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of $4$ percent per y compounded monthly for the first six months, increasing thereafter to $18\mathrm{.}9$ percent per year, compounded monthly. Assur transfer the $$19,500$ balance fr$$m your existing credit card and make no subsequent payments, how much interest will y end of the first year?

Note: Do not round intermediate calculations and round your answer to $2$ decimal places, e$.$g$.,32\mathrm{.}16.$

Interest owed