The balance on a credit card, that charges a 10.5% APR interest rate, over a 1 month period is given in
the following table:

Days 1-5: $200 (initial balance)

Days 6-20: $350 ($150 purchase)

Days 21-30: $150 ($200 payment)

What is the finance charge, on the average daily
balance, for this card over this 1 month period?

finance charge = $ [?]
Round to the nearest hundredth.