The calculated monthly payment on a loan amortized over five years is rounded up by 0.2 cents

Question:

The calculated monthly payment on a loan amortized over five years is rounded up by 0.2 cents to get to the nearest cent.
a. Will the adjusted final payment be more than or less than the regular payment?
b. Will the difference between the regular and the final payment be (pick one):
(i) More than
(ii) Less than or
(iii) Equal to 0.2 cents × 60 = 12 cents? Explain.