The Equity Fund sells Class A shares with a front-end load of 3.75% and Class B shares with 12b-1 fees of 0.85% annually as well as back-end load fees that start at 5% and fall by 1% for each full year the investor holds the portfolio (until the fifth year). Assume the rate of return on the fund portfolio net of operating expenses is 7% annually. What will be the value of a $10,000 investment in Class A and Class B shares if the shares are sold after 3 years?