Respuesta :

12% of 4,000 = 480
4,000 * 3 = 12,000
480 * 3 = 1,440
12,000 + 1,440 = 13,440

So...at the end of 3 years, $13,400 is due.

Hope I helped! Please mark Brainliest if correct; I would greatly appreciate it. :)