Consider a credit card with an apr of 20.99% and a minimum payment each month of 4% of the new balance. the beginning balance is $350 and no additional charges are made during the next three months and only the minimum payment is made each month. given the table below, how much does the starting balance decrease after these three payments?

month starting balance finance charge new balance minimum payment
1 $350 $6.12 $356.12 $14.24
2 $341.88 $5.98 $347.86 $13.91
3 $333.95 $5.84 $339.79 $13.59
4 $326.2 xxx xxx xxx
express your answer rounded to the nearest cent.