Mom and Dad deposited 20,000 yuan in education funds for Niu Niu, with a deposit period of three years and an annual interest rate of 3.24%. One time withdrawal upon maturity, with the non-compulsory education student identity certificate when withdrawing, you can get an additional fund dividend of 5% of the deposit. How much money can Niu Niu get in total when it expires?
爸爸妈妈给牛牛存了2万元教育基金，存期为三年，年利率为3.24%．到期一次支取，支取时凭非义务教育学生身份证明，可以额外获得存款5%的基金分红．问牛牛到期一共可以拿到多少钱？
<gadget id="calculator">3.24 / 100</gadget>
<output>0.0324</output>

<gadget id="calculator">2 * 0.0324 * 3</gadget>
<output>0.1944</output>

<gadget id="calculator">5 / 100</gadget>
<output>1/20 = around 0.05</output>

<gadget id="calculator">2 * (1/20)</gadget>
<output>1/10 = around 0.1</output>

<gadget id="calculator">0.1944 + 2 + (1/10)</gadget>
<output>2.2944</output>

<result>2.2944</result>