Zhang Bing deposits RMB 40,000 in the bank for two years with an annual interest rate of 3.60%. When it expires, how much will Zhang Bing get with principal and interest?
张兵将4万元人民币存入银行，定期两年，年利率是3.60%．到期时，张兵连本带息可得多少万元？
<gadget id="calculator">3.6 / 100</gadget>
<output>0.036</output>

<gadget id="calculator">4 * 0.036 * 2</gadget>
<output>0.288</output>

<gadget id="calculator">4 + 0.288</gadget>
<output>4.288</output>

<result>4.288</result>