Your client wants to save a total of $40,000 by the end of 12 years. The interest rate is 3.60% per year. Calculate the annual payment your client needs to make in order to reach this goal. $2,724 $2,693 $2,632 $2,572 $2,528 Your client wants to save a total of $40,000 by the end of 12 years. The interest rate is 3.60% per year. Calculate the annual payment your client needs to make in order to reach this goal. $2,724 $2,693 $2,632 $2,572 $2,528