You receive a credit card application from Shady Banks Savings and Loan offering an introductory rate of $2\mathrm{.}8$ percent per year,

compounded monthly for the first six months, increasing thereafter to $17\mathrm{.}7$ percent per year, compounded monthly. Assuming you

transfer the $$13,500$ balance from your existing credit card and make no subsequent payments, how much interest will you owe at the

end of the first year?

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