Karen and Wayne need to buy a refrigerator because theirs just broke. Unfortunately, their savings account is depleted, and they will need to borrow money in order to buy a new one. Sears offers them a installment loan at 15% (add-on rate). If the refrigerator at Sears cost $1,518 plus 5% sales tax, and Karen and Wayne plan to pay for the refrigerator 3 years, what is the monthly payment? (Round your answer to the nearest cent.)

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