Provide a detailed, stepwise mechanism for the transformation shown below. 
Definitions:
Interest
The cost of borrowing money or the return that is earned on invested funds, typically expressed as an annual percentage rate.
Using Money
Likely referring to the utilization of financial resources or capital for transactions, investments, or other financial activities.
Term
A fixed or limited period for which something, such as an agreement or investment, lasts or is intended to last.
Due Date
The date by which an obligation, such as a payment or submission, is required to be fulfilled.
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