Dave plans to deposit $3,300 in an IRA account on April 15, Year 1. The account will earn 3% annually. If he makes this $3,300 deposit on April 15 of each of the next 14 years (total of 15 deposits), how much will he have on April 14, Year 16? (FV of $1, PV of $1, FVA of $1, PVA of $1, FVAD of $1 and PVAD of $1)