Irlene invested $3,500 in a high-interest savings account for three years. For the first year, the interest rate was 9% compounded semi-annually. For the second year the rate became 5.25% with the same compounding period. For the third year the rate remained the same but it was compounded quarterly. What was the value of the investment at the end of the third year? For full marks your final answer should be rounded to the nearest cent.